Obamacare

JrChurch

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The ACA is obviously a bureaucratic nightmare, but it boggles my mind that there is nothing we can do about it.  I understand that the cost of health care has been a problem in this country, but the care itself is top notch. Since the passage of the ACA I have witnessed some changes in the health care system and I don't like what I see.

To date the changes are administrative-driven as costs are pared down in preparation for less revenue.  The cuts are mostly in personnel, such as shorter hours per paycheck or elimination of jobs.  I am wondering what will be cut next.  And the cuts must continue.  It isn't like it will happen overnight- today there are fewer nurses on the ward and tomorrow all elderly will be banned from care.  But, if you compare it to the automobile business in Detroit you can see how a once thriving community based on a profitable industry has been slowly decimated by union and government involvement. The health care industry is showing signs of convulsions and I can not envision its future.

While I can only attest to adverse changes in our region, I wonder if we are a representation of the country.  Let me make this personal.  My husband was a physician in the military for 20 years and has been in the present hospital-based specialty for 17 years.  There were 3 doctors and 6 specialty RNs in his department when he came to this hospital and the department was physician-owned.  The department contract went to a corporation 7 years ago and there are now 6 docs and 14 support RNs.  Under his present contract, the drs are salaried to work 80 hours per 2 weeks, with no increase in salary unless the profit gains warrant a raise.  He loves his work and has no problems with working conditions or salary.  Patient loads increase annually without increasing profit for the company (Medicaid/Medicare reimbursements are low.)  My husband's work log for the last 2 weeks was 125 hours. 

Our state has accepted Obamacare and the additional Medicaid patients will soon be eligible for care.  The hospitals were told to expect at least a 1% decrease in Medicaid reimbursements.  Our hospital  is actively negotiating for a new contract so there will only be 3 doctors in the department, thus cutting costs to reflect the low reimbursements.  See the developing pattern?  Increase in work load accompanied with decrease in pay. In the short term, there are physicians like my husband (no college/med school debt) who will work extended hours without extra compensation.  What about long term? It isn't about us, it is about quality and availability of care.   

 
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.
 
FSSL said:
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.

Agree with you.
 
FSSL said:
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.

Their goal for now is to get people enrolled so they can fund their program.  And refusal is fine for people who have insurance, but what about all the people who have no insurance?
 
Someone has to pay for the insurance for everyone. We make so little now, and the government just keeps taking more and more from us! I dont have much more to give!

For right now our insurance is provided by my husband's employer, but I can see them trying to cut costs and take our insurance away. So just sitting here waiting to see what will happen!
 
I saw a commercial the other day for a product called "Recticare"...... it made be think..... "Hey, that a better descriptive name for Obamacare"....

 
FSSL said:
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.

That's fine, but I'm sure you realize that if you do not have any health care you will be penalized. 

That is the part that most infuriates me. 
 
Bruh said:
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That's fine, but I'm sure you realize that if you do not have any health care you will be penalized. 

That is the part that most infuriates me.

According to healthcare.gov

"People without health coverage will also have to pay the entire cost of all their medical care."

"The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher."

"It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care."


 
JrChurch said:
FSSL said:
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.

Their goal for now is to get people enrolled so they can fund their program.  And refusal is fine for people who have insurance, but what about all the people who have no insurance?

Actually, that is not true either.  I have my private insurance which has served me well for many years.  It doesn't meet Obama's compliance standards of breaking my bank, so it will expire at the end of next year.  After that, I will be forced to accept Commie Care or go without and pay a heavy fine.  BTW, Commie Care will cost me almost $300 per month more than what I currently pay.
 
BandGuy said:
JrChurch said:
FSSL said:
I have a theory... Obamacare will continue to cost more. Only those who want to pay for it will enroll. I will never enroll. I won't even go through the application process.

Their goal for now is to get people enrolled so they can fund their program.  And refusal is fine for people who have insurance, but what about all the people who have no insurance?

Actually, that is not true either.  I have my private insurance which has served me well for many years.  It doesn't meet Obama's compliance standards of breaking my bank, so it will expire at the end of next year.  After that, I will be forced to accept Commie Care or go without and pay a heavy fine.  BTW, Commie Care will cost me almost $300 per month more than what I currently pay.

"If you like your insurance, you can keep it." ;)
 
I am thinking about Samaritan Ministries.

However, I have always "paid-as-I-go." I know that is risky, but it has worked well so far!

I predict that very few people will actually sign up for Obamacare because of the outrageous costs. That will bust the system.
 
FSSL said:
I am thinking about Samaritan Ministries.

However, I have always "paid-as-I-go." I know that is risky, but it has worked well so far!

I predict that very few people will actually sign up for Obamacare because of the outrageous costs. That will bust the system.

By design.  They will use it as an excuse to go to single-payer.
 
Well, I don't have insurance, so I'm mandated to sign up.  From what I can tell, I don't qualify for a subsidy.  But I don't really know for sure, because the .gov site is still not operational.  If and when I am able to shop policies/prices, I'll let the forum know how much I am contributing to the "less economically advantaged" fund.
 
FSSL said:
I predict that very few people will actually sign up for Obamacare because of the outrageous costs. That will bust the system.

If they don't sign up,  then they have to pay the fine.  More $ into the abyss.
 
JrChurch said:
If they don't sign up,  then they have to pay the fine.  More $ into the abyss.

Maybe. You are probably right. I hope not. I hope that this creates a revolt which ends with masses of people refusing to pay the penalty.
 
From what I've heard, they'll take the fine out of your tax return.
 
BandGuy said:
From what I've heard, they'll take the fine out of your tax return.

Individual Shared Responsibility Provision
Starting in 2014, the Individual Shared Responsibility provision calls for each individual to either have minimum essential coverage for each month, qualify for an exemption, or make a payment when filing his or her federal income tax return. On Aug. 27, 2013, the Department of the Treasury and the IRS issued final regulations on the Individual Shared Responsibility provision. Additionally, Notice 2013-42, issued on June 26, 2013, provides transition relief from the shared responsibility provision for employees and their families who are eligible to enroll in certain employer-sponsored health plans with a plan year other than a calendar year if the plan year begins in 2013 and ends in 2014. For additional information on the Individual Shared Responsibility provision, the final regulations and Notice 2013-42, see our questions and answers. Additional information on exemptions and minimum essential coverage is available in final regulations issued by the U.S. Department of Health & Human Services. The open enrollment period to purchase health insurance coverage for 2014 through the Health Insurance Marketplace runs from Oct. 1, 2013, through March 31, 2014.

http://www.irs.gov/uac/Affordable-Care-Act-Tax-Provisions
 
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