what you fail to realize a lot of people have what is know as catastrophic plans they are very cheap and what most young healthy Americans only need for protection for something major to happen to their health. a lot of small business and businesses that employee a lot of part time workers offer those plans. all of them who have those plans will have them cancelled because they don't meet the Obama care requirement. so they will be forced to buy a plan they don't want at a much higher cost.
this is also one reason the very few states that will see a decrease in coverage price is because state law didn't allow those catastrophic plans to begin with. some actually had higher requirements then what Obama care requires
Last edited by trfjr; 09-23-13 at 03:14 PM.
If your employer drops you from coverage, (which is happening for lots of people which is why the Unions now oppose it), would you
A) Buy HI
B) Pay the fine
Congress and Obama have exempted many of their political cronies and themselves from this law. If they can exempt themselves from the law, why shouldn't I be able to do the same thing? Remember paying the fine = NO HEALTH CARE
"What difference" "does it make?"
I can agree that because obama put off the employer mandate that companies will probably take the opportunity while they can to push their costs off onto the employees. Still, since that is just delayed they will eventually need to offer the health care plans in the future. I actually agree it was a pretty crappy thing for Obama to do to make some stupid excuse to let the employers off the hook for a year. Still, I cannot totally blame him considering how the republicans have done everything possible to derail implementation and there may be some truth to the claim they are behind schedule because of the open interference. It is convenient for the contributors to both the reps and the dems that it was pushed back, but not to regular people.
Also, it does not seem like they are being forced to change doctors unless they are worried about costs. That has always been the way of insurance. Maybe if you have a more expensive insurance plan then you do not have to deal with it, and you could always pay for it yourself, but when you are bargain hunting you may not get who you want to do service for you. That is how bargain hunting works. Sometimes when you cut costs you have to go somewhere else.
Yes, Obamacare's Exchanges Will Narrow Your Choice Of Doctors -- And That's A Good Thing
Yesterday, Robert Pear of the New York Times discussed an emerging concern with Obamacare’s soon-to-be-online health insurance exchanges. “Many insurers,” he writes, “are significantly limiting the choices of doctors and hospitals available to consumers” in the market. Many critics of the health law made note of the news, holding President Obama to account for his repeated promise that “if you like your doctor, you can keep your doctor.” But here’s the twist: it’s actually a good thing that insurers are forcing hospitals and doctors to compete on price. Indeed, these “narrow networks” may be one of Obamacare’s best features.But hospitals and doctors will have to compete on price
Every major insurer has conducted substantial market research into consumers’ attitudes about shopping for coverage. And consistently, what insurers find is that consumers’ highest priority is price. Just as most travelers shop for airline tickets based on price, rather than the brand or the in-flight amenities, most exchange participants will shop on the basis of premiums.
So insurers will compete to offer the lowest price, by contracting with the doctors and hospitals who charge them the lowest fees for treating you. “The networks will be narrower than the networks typically offered to large groups of employees in the commercial market,” said a spokesman for Cigna.
This is, in general, a good thing. Unlike government-imposed price controls, these contracts are voluntary. If doctors don’t like the fees that insurers are talking about, they don’t have to participate. If insurers think doctors are asking too much, they can take their business elsewhere. This is the essence of market-based transactions.
Prestigious but costly academic hospitals will lose business
In particular, this phenomenon means that exchange-based insurance plans will avoid the expensive big-name academic hospitals associated with prestigious medical schools like Harvard. Those hospitals are usually the ones that charge higher prices because they know that they can.
People who really want to keep their doctor, at any price, will often have to pay higher premiums for the privilege. And people who prefer lower premiums, above all, might need to choose a different doctor. But the overall effect of this dynamic will be that hospitals and doctors will have to compete on price, just like people do in every other sector of the economy.
There are a lot of things about Obamacare that will take our health-care system in the wrong direction. But there are a few good things that we should learn from. One of them is that competition works.
OMB issued a rule this year that states that the FEHB, which Congress gets to purchase health insurance, will be made available no matter what.
Since the ACA states that Congress must buy insurance from the exchange, they would under the section 1512 - a(3) rule lose their FEHB contribution, but the OMB rule overrode that.
Its either affordable health care or its not...
We, the masses, the great unwashed, cannot have the wealthy design things for us...
It would be un-affordable..
Eventually, we will have a great society, and the wealthy class will be a thing of the past.
There are 24 hours in a day and 7 days in a week.
Of those 168 hours, a man is good for 30 to 50 depending..
So for good complete medical care, one needs to have FIVE personnal doctors....
I, for one, have no interest in this absurd situation, and I damn sure cannot carry five doctors !
Even if I were wealthy, I could not do this !
I think the conservatives know this, its simple enough.