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Play The Man
03-22-2010, 09:30 PM
http://blogs.investors.com/capitalhill/index.php/home/35-politicsinvesting/1563-20-ways-obamacare-will-take-away-our-freedoms


20 Ways ObamaCare Will Take Away Our Freedoms
By David Hogberg

With House Democrats poised to pass the Senate health care bill with some reconciliation changes later today, it is worthwhile to take a comprehensive look at the freedoms we will lose.

Of course, the overhaul is supposed to provide us with security. But it will result in skyrocketing insurance costs and physicians leaving the field in droves, making it harder to afford and find medical care. We may be about to live Benjamin Franklin’s adage, “People willing to trade their freedom for temporary security deserve neither and will lose both.”

The sections described below are taken from HR 3590 as agreed to by the Senate and from the reconciliation bill as displayed by the Rules Committee.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employers’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 101 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

11. If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))

12. If you are a physician and you want to own your own hospital, you must be an owner and have a “Medicare provider agreement” by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn’t have those by then, you are out of luck. (Section 6001 (i) (1) (A))

13. If you are a physician owner and you want to expand your hospital? Well, you can’t (Section 6001 (i) (1) (B). Unless, it is located in a country where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)).

14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)

15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).

16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).

The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).

17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)

18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).

19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).

That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).

20. If you go for cosmetic surgery, you will pay an additional 5% tax on the cost of the procedure. Think you know how to spend that money you earned better than the government? Tough. (Section 9017).

internationalharvester
03-24-2010, 07:38 PM
http://blogs.investors.com/capitalhill/index.php/home/35-politicsinvesting/1563-20-ways-obamacare-will-take-away-our-freedoms

scary......if you use a tanning bed you will be charged an extra 10% as a "sin tax".....just saw that one this morning

Tyburn
03-24-2010, 09:04 PM
:scared0011:...that really is quite extreme...so your not just forced to buy health insurance...you have to buy a specific type of health insurance...probably the most inclusive and expensive am I correct :huh:

Noone told me this level detail before. If all you say is true for everyone in those twenty bullet points, im staggered that even the most liberal of democrats would want that :blink: (no offense to any democrats reading...just a little shocked at the small print...I hope Britian doesnt decide this is a good idea....I'd never be able to afford health insurance :unsure-1: I cant even afford contents insurance :cry:

Tyburn
03-24-2010, 09:13 PM
is this a Government money making scam :huh:

...and what about the Student Loans changes that were included...

Seems to me this isnt about health care, isnt even really about insurance..nor really even forcing people to do something

plain and simply...this is going to be how The Federal Government reclaim the money...possibly that it gave out during the wallstreet wobble.

Where any other country would have just raised taxes to an extortinate measure...this is how he's managed to do it without :ninja: This is all about the money... :mellow: My GOD, what has he done :scared0015:

Disclaimer: No offense is meant to anyone who thinks this is being critical of America

internationalharvester
03-25-2010, 03:05 PM
is this a Government money making scam :huh:

...and what about the Student Loans changes that were included...

Seems to me this isnt about health care, isnt even really about insurance..nor really even forcing people to do something

plain and simply...this is going to be how The Federal Government reclaim the money...possibly that it gave out during the wallstreet wobble.

Where any other country would have just raised taxes to an extortinate measure...this is how he's managed to do it without :ninja: This is all about the money... :mellow: My GOD, what has he done :scared0015:

Disclaimer: No offense is meant to anyone who thinks this is being critical of America



really Dave I think you have hit the nail on the head with this one.......you should google Farm Bill 2010 and look at how he is trying to do away with all the stuff there to save the govt from handing out money to farmers

CAVEMAN
03-25-2010, 03:45 PM
A gentleman that works for an employee benefits consulting service called into the Laura Ingram show yesterday and stated that all of America will be on the the government healthcare system in just a few years. I don't know how true this actually is, but he stated that insurance companies are already using 65% of their profits to pay claims. Under this reform, it will be bumped to 85%. He said you do the math, a business cannot survive on 15% profit.

TexasRN
03-25-2010, 04:05 PM
A gentleman that works for an employee benefits consulting service called into the Laura Ingram show yesterday and stated that all of America will be on the the government healthcare system in just a few years. I don't know how true this actually is, but he stated that insurance companies are already using 65% of their profits to pay claims. Under this reform, it will be bumped to 85%. He said you do the math, a business cannot survive on 15% profit.


This is correct and I think it is the long term ultimate goal of the bill.


~Amy

NateR
03-25-2010, 04:25 PM
I was talking to my dad a while back and he has medical insurance from his job that covers both him and my mom. However, the insurance company was so freaked out by this upcoming bill that they upped the cost of co-pays from $400 to $2400 and those co-pays MUST be paid completely in advance before the insurance company will allow any sort of medical procedure.

So, they're paying over $150 a month into this insurance policy and it's completely useless to them because they have to come up with even more money to actually get any sort of benefits from the policy.

This kind of crap is exactly why I believe medical insurance to be a scam.