Mr. Tilly, rather than wasting nine paragraphs recycling the lies and excuses coming from the administration, would better have employed a quote that has the virtue of being both succinct and closely reflective of his views: “You can’t make an omelette without breaking a few eggs.”
A few points, if I may.
The individual mandate goes into effect on Jan. 1; the open enrollment period was (illegally) extended to March 31, six weeks after the original cutoff date. The extension is to allow for the avoidance of tax penalties associated with not signing up for health coverage before the deadline.
Employer-provided health coverage will be affected by the same mandates driving the cancellation of 5 million (as of this writing) health insurance policies. It has been estimated, by this administration, that “66 percent of small employer plans and 45 percent of large employer plans will relinquish their grandfather status by the end of 2013. [p. 34,552 of the Federal Register]”
The healthcare.gov website is the only way to apply for Obamacare: no matter if a telephone, another person, or the postal service is involved, all of the information must go through the web site.
Despite the truckloads of lipstick being deployed by its increasingly desperate defenders, this pig remains a pig: Obamacare is every bit the disaster it was predicted to be, if not worse.
Those who have promoted, supported, and defended this abomination have much to answer to the American people for.
Obamacare will eventually improve Americans’ health insurance
The delay in Obamacare enrollment is a serious setback for people who have policies that do not meet the minimum coverage prescribed is the new law. The people who have these policies and received cancellations notices have even a bigger problem.
People with limited coverage policies have now been given until Dec. 31, 2014, to replace their policies. But they may apply to the federal or state exchanges, assuming enrollment becomes easier. Considering the vast majority of these citizens will receive a significant premium subsidy, they should enroll as soon as possible.
These non-major medical policies have been called by many names but the best one I have heard was used by Bill Mahr on HBO this past week. He called these policies “hospital gown policies.” Even after 25 years as an insurance agent, I have never heard a better description. These policies appear to have the policyholder fully covered, but have areas of “exposure” which the insured or wearer knows nothing about. I believe there are probably as many people with this type of policy as there are people with no health insurance of any kind.
The president has asked the insurance companies to continue coverage until Dec. 31, 2014. Of course, the media will report, at length, any company that refuses to extend or reinstate these policies. But I believe the companies will jump at the opportunity to extend this limited coverage, because generally this type of health insurance returns the highest profit to the company and the highest commissions to agents.
I learned many years ago that if an insurance company offered higher-than-normal commissions to agents, their policy either had limited coverage or poor claims payment. If an agent will use this knowledge, he or she will write individual/family policy only with large national insurance companies. I have seen dozens of Texas based carrier come and go, usually with great harm to their policy holders.
I still have many clients I placed with national companies and to my knowledge, they have not received cancellation notices, probably because their policies are major medicals, which have most of the inpatient and outpatient coverage required by Obamacare. The exception is maternity coverage. Due to Texas mandates, every carrier withdrew maternity coverage on individual family policies years ago. So these policies will eventually also be replaced.
I have often heard women complain that they do not need maternity coverage. If this is because of age, even though they have the coverage, they are not being charged anything for that coverage. The pro-rated charge starts reducing around age 30 and goes down to nothing around 40. The new Obamacare policies will all cover maternity, but the cost will be distributed among all policyholders, much as group policies do now.
The new policies cannot charge a woman more than a man of the same age. Presently, policies charge women more than men of the same age, because women have more operations and hospitalization than men of the same age.
I still strongly believe that once the enrollment problems are fixed, Americans will find better insurance through the exchanges than they have now.