Legalize Catastrophic Insurance! (6/29/16 Update)

New Endorsers
Tea Party Patriots
Virginians for Quality Healthcare
Alexandria Tea Party

These groups have endorsed the Truth Squad’s legislative proposal to allow states to legalize catastrophic insurance regardless of federal law.

In the News

NEW

Texas Lt Gov urges school districts to ignore Obama transgender bathroom rules
http://www.dallasobserver.com/news/dan-patrick-goes-back-to-the-urinal-urges-nullification-8349361

Industrial hemp acreage poised to double (part of Colorado’s legalization of marijuana)
http://blog.tenthamendmentcenter.com/2016/06/colorados-growing-industrial-hemp-industry-shows-nullification-works-in-practice/

Connecticut and Maine expand medical marijuana access despite federal law
http://blog.tenthamendmentcenter.com/2016/05/nullification-in-effect-two-states-expand-medical-marijuana-access/

South Carolina ‘Right to Try’ law in effect nullifies restrictive FDA rules on experimental drugs
http://blog.tenthamendmentcenter.com/2016/06/signed-by-the-governor-south-carolina-right-to-try-act-rejects-some-fda-restrictions-on-terminal-patients/

Nullification proposed as solution to overreaching federal housing rule.
http://www.thenewamerican.com/usnews/constitution/item/23352-battle-rages-as-gop-saves-obama-plot-to-diversify-neighborhoods

The Truth Squad has a new initiative and we hope you will join in.

Our idea is to legalize low-cost catastrophic insurance at the state-level regardless of what Obamacare says at the federal level.  Obamacare made true catastrophic insurance  illegal.  Let’s make it legal again by going through the states.

We draw a direct parallel to marijuana. Marijuana was legalized in some states even though it’s still a Schedule V controlled substance under federal law.

If nullification works for marijuana, it can work for catastrophic insurance.

Nullification has been a favorite Tea Party issue since the beginning and there have been some state bills to nullify all of Obamacare.  One bill in North Carolina would prevent the federal government from commandeering state officials to enforce Obamacare.

We’re taking a more targeted approach.  We’re just focusing on one thing:  legalize catastrophic insurance .

We have a catastrophic insurance proposal here.  There’s something called catastrophic insurance in Obamacare, but it’s really not true catastrophic insurance.  It’s got coverage mandates in it, for one thing.

Bringing back catastrophic insurance at the state level would strike a real blow against Obamacare.  We bet lots of people would switch.  What’s better – insurance that’s ‘affordable’ only after subsidies or low-cost insurance that meets a lot of people’s needs?  We think a lot of people would choose to pay the Obamacare penalty and buy a catastrophic policy, instead of buying an Obamacare exchange plan.

After the legalization of marijuana at the state level, nullification has become a much more interesting question.   Jefferson and Madison wrote in favor of nullification, saying states have a duty to protect their citizens from federal usurpations.  Even Eric Holder thinks nullification is a live option after the marijuana legalization.

The genie is out of the bottle.  The door is open for small government advocates to use nullification against a whole host of federal usurpations.  Alabama blocked UN Agenda 21 using nullification-type arguments.  The vote was unanimous in the Alabama state legislature – Democrats included. Even some liberals want states to nullify indefinite military detention under NDAA.

Keep making the nullification argument, and nullification space will grow.  We hope you will join us to spread the word and make catastrophic insurance legal again.

Contact us at mail@obamacaretruthsquad.com if you’re interested in joining this effort.

 

 

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UPDATE Restore Sanity to Healthcare with Market Forces

Tonight, I announce Free Market Fridays on Twitter, report on doctor-owned hospitals, and finish up with two small items.

A month ago, I told you about Single Payer Mondays on Twitter at 10 a.m. Eastern time.  I am pleased to announce that we have now started Free Market Fridays.  The Truth Squad has long argued that getting sucked into the vortex of Big Government, Big Insurance, and Big Healthcare is the wrong way to go.  Our mission statement, written shortly after Obamacare became law, reads in part: “the construction of a humane healthcare system lies in the direction of less government intervention, not more.” We take a dim view of the GOP’s new healthcare plan which replaces Obamacare’s tax credits with … more tax credits.  Sure, getting rid of Obamacare’s mandates would be an improvement, but subsidizing healthcare through the tax code is still a distortion and ratchets up government involvement in healthcare with bad consequences.  This is a self-defeating exercise in futility because costs will continue to spiral upwards, subsidized as they are by tax credits, sucking in more and more GDP to pay for less and less actual healthcare.  It’s a vicious cycle.  There is another way.  Bring market forces to bear and the myriad distortions in healthcare will begin to go away.  Transparent pricing alone would have many beneficial effects.  So, most Fridays at 10 a.m. Eastern time, the Truth Squad will be tweeting the week’s news that holds out real hope for reducing costs and restoring sanity to our healthcare system.  The first batch touches on transparent pricing, HSAs and health sharing ministries among other things.  Let me add a thought about health sharing ministries. Not one of them has gone bankrupt, unlike the Obamacare co-ops, more than half of which have gone bankrupt.  Imagine that – The ministries don’t get subsidies and they don’t go bankrupt.  They’re a perfect illustration why the government doesn’t have all the answers when it comes to healthcare. Time to go in the other direction, folks.

I’ve spoken before on this webinar about physician-owned hospitals.  Obamacare prevents them from expanding unless they go hat in hand to Washington where their requests are likely to fall on deaf ears.  Physicians and their financiers lost millions of dollars when 30 expansion projects already underway were scuttled by the Affordable Care Act.  These hospitals are widely recognized as some of the best in the country, with better patient outcomes and higher quality scores, at lower cost. Yet, they are prohibited from expanding on pain of losing their Medicare license.  The restrictions against doctor-owned hospitals in Obamacare were born of cronyism.  We have them because other hospitals with better political connections wanted to wipe out their competitors.  It’s time to rip out the restrictions, root and branch.  Strike a blow for economic freedom and for – what seems to have been forgotten in the whole Obamacare train wreck – better patient care.

Someone asked me two weeks ago about MACRA, the new payment rules for doctors under Medicare that look like trouble.  I said I didn’t know too much about MACRA but, tonight, I’m putting a link in the wrap-up to a good article that lays it all out.

Finally, I want to thank the person who drew my attention in Chatzy to a very disturbing photograph from a Venezuelan hospital.  I tweeted it out and it quickly became our most popular tweet ever in a matter of hours – three times as popular as any of our other tweets.  The picture is a grim reminder of why we do not want single payer healthcare in this country and I’ll send it in for the wrap-up.

Links

Free Market Fridays on Twitter
https://twitter.com/ObamacreTrthSqd

Free Market Tweets

Live free or submit. What will you decide?

For-profit medical schools address rural doctor shortage
http://hosted.ap.org/dynamic/stories/U/US_MED_SCHOOL_BOOM?SITE=AP&SECTION=HOME&TEMPLATE=DEFAULT&CTIME=2016-06-22-00-30-30

Opponents of HSAs said “HSAs won’t work.”  20 million Americans say they do.
http://www.forbes.com/sites/ryanellis/2016/06/21/health-savings-account-expansions-to-pass-u-s-house-overwhelmingly/#267519c05c16

Health sharing ministries more than double enrollment since 2010 – lower costs, more caring, preexisting covered
http://www.healthline.com/health-news/christian-health-cost-sharing-programs-growing-in-wake-of-obamacare

 #Obamacare stumbles backwards into bringing market forces to bear thru hi deductibles
http://reason.com/archives/2016/05/11/free-market-medicine

Ambulatory surgery centers save employers $38B/yr. Hospitross association gives grumpy response.
http://www.modernhealthcare.com/article/20160620/NEWS/160629992/study-employers-save-billions-at-ascs-over-hospital-outpatient

 retweet
Jones Raleigh@jonesraleigh 34m34 minutes ago
Jones Raleigh Retweeted IP4PI
You Doctors sold out to insurance Co’s 2 decades ago. Take your lives back, fire them. Demand posted pricing.

 retweet
AssocAmerPhys&Surg@AAPSonline 12h12 hours ago
Not How… But Why. @DrBob_Southlake makes the argument for third-party-free practice:
https://www.youtube.com/watch?v=_dfr9Uu8e9A&feature=youtu.be

Other

Free Doctor-Owned Hospitals from the Shackles of Obamacare. Original Commentary at ObamacareTruthSquad.com.
http://0363930.netsolhost.com/WordPress/2016/06/23/free-doctor-owned-hospitals-from-the-shackles-of-obamacare/

Good article on MACRA
http://fairfaxfreecitizen.com/2016/06/12/39482/

#SinglePayer in one picture (Venezuela)
http://www.dailymail.co.uk/news/article-3595946/No-electricity-no-antibiotics-no-beds-no-soap-devastating-look-inside-Venezuela-s-crisis-struck-hospitals-7-babies-die-day-bleeding-patients-lie-strewn-floor-doctors-try-operate-without-tools.html

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Free Market Fridays

The Truth Squad has long argued that getting sucked into the vortex of Big Government, Big Insurance, and Big Healthcare is the wrong way to go.  Our mission statement, written shortly after Obamacare became law, reads in part: “the construction of a humane healthcare system lies in the direction of less government intervention, not more.” We take a dim view of the GOP’s new healthcare plan which replaces Obamacare’s universal tax credits with … universal tax credits.  Sure, getting rid of Obamacare’s mandates would be an improvement, but subsidizing healthcare through the tax code is still a distortion and ratchets up government involvement in healthcare.  This is a self-defeating exercise in futility because costs will continue to spiral upwards, sucking in more and more GDP to pay for less and less healthcare.  It’s a vicious cycle.  There is another way.  Bring market forces to bear and the myriad distortions in healthcare will begin to dissipate.  Transparent pricing alone would have many beneficial effects.  So, most Fridays at 10 a.m. ET, the Truth Squad will be tweeting the week’s news that holds out real hope for reducing costs and restoring sanity to our healthcare system.  Here’s the first batch:

Live free or submit. What will you decide?

For-profit medical schools address rural doctor shortage
http://hosted.ap.org/dynamic/stories/U/US_MED_SCHOOL_BOOM?SITE=AP&SECTION=HOME&TEMPLATE=DEFAULT&CTIME=2016-06-22-00-30-30

Opponents of HSAs said “HSAs won’t work.”  20 million Americans say they do.
http://www.forbes.com/sites/ryanellis/2016/06/21/health-savings-account-expansions-to-pass-u-s-house-overwhelmingly/#267519c05c16

Health sharing ministries more than double enrollment since 2010 – lower costs, more caring, preexisting covered
http://www.healthline.com/health-news/christian-health-cost-sharing-programs-growing-in-wake-of-obamacare

#Obamacare stumbles backwards into bringing market forces to bear thru hi deductibles
http://reason.com/archives/2016/05/11/free-market-medicine

Ambulatory surgery centers save employers $38B/yr. Hospitross association gives grumpy response.
http://www.modernhealthcare.com/article/20160620/NEWS/160629992/study-employers-save-billions-at-ascs-over-hospital-outpatient

retweet
Jones Raleigh ‏@jonesraleigh 34m34 minutes ago
Jones Raleigh Retweeted IP4PI
You Doctors sold out to insurance Co’s 2 decades ago. Take your lives back, fire them. Demand posted pricing.

retweet
AssocAmerPhys&Surg ‏@AAPSonline 12h12 hours agoNot How… But Why.
@DrBob_Southlake makes the argument for third-party-free practice:
https://www.youtube.com/watch?v=_dfr9Uu8e9A&feature=youtu.be

 

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Free Doctor-Owned Hospitals from the Shackles of Obamacare

Under Obamacare, physician-owned hospitals (POHs) are prohibited from expanding while their competitors remain free to do so.  Physicians and their financiers lost millions of dollars when 30 expansion projects already underway were scuttled by the Affordable Care Act.  Only a handful of doctor-owned hospitals will ever qualify for the exceptions to the expansion ban in the ACA.  Most will never add another bed or operating room.  The benefit to their more politically-connected competitors is clear, but the discrimination against POHs makes no rational or policy sense whatsoever.

POHs are widely recognized as some of the best hospitals in the country, providing  demonstrably better patient outcomes and quality (e.g., lower readmission rates), at lower cost.  Yet, they are prohibited from expanding on pain of losing their Medicare license.

The POH restrictions in the ACA were born of cronyism.  It’s time to rip them out, root and branch.  Strike a blow for economic freedom and for – what seems to have been forgotten in the whole Obamacare mess – better patient care.

The Truth Squad invites anyone and everyone to write in and tell us why physician-owned hospitals should be restricted from expanding when other hospitals are not.  Why shouldn’t every hospital have to compete on a level playing field?  Why is the game rigged in favor of those with the most powerful friends in Washington?  Oh, and what business does Washington have attempting to structure an entire industry in the first place, hmm?

Posted in Declining Quality of Care, Free Market Alternatives, Government Takeover, Perversities | Tagged , , , , | Comments Off

#SinglePayer Mondays

You know the single-payer debate is coming. Our side too often leaves a vacuum – our opponents start a messaging campaign in advance of a debate and our side responds with … nothing, for months or even years. The drumbeat from the Left on single-payer has started.  The Truth Squad is responding now, with news items and rhetoric most Mondays at 10 a.m. ET.  Follow us @ObamacreTrthSqd  Here’s the most recent batch of our #SinglePayer tweets:

#SinglePayer in one picture (Venezuela)
http://www.dailymail.co.uk/news/article-3595946/No-electricity-no-antibiotics-no-beds-no-soap-devastating-look-inside-Venezuela-s-crisis-struck-hospitals-7-babies-die-day-bleeding-patients-lie-strewn-floor-doctors-try-operate-without-tools.html

Were Medicare and Medicaid cheaper than expected? Then why do you expect ‘Medicare/Medicaid for All’ (#SinglePayer) to be cheaper?

“writing that a totally government run program works better is a liberal fantasy”
http://bwcentral.org/2016/06/lipstick-on-a-pig/

Success of Cuba’s propaganda about its medical system is based on lies; education worse, resources lacking.
http://bwcentral.org/2016/06/lipstick-on-a-pig/

Poor surgical technique of Cuban doctors damaged the vision of dozens of Jamaicans
http://www.frontpagemag.com/fpm/262902/protesters-burn-che-guevara-t-shirts-humberto-fontova

96 Cuban doctors were expelled from Brazil, called ‘witch doctors and shamans’
http://www.frontpagemag.com/fpm/262902/protesters-burn-che-guevara-t-shirts-humberto-fontova

“When government is in charge, you get long lines and someone else deciding if you get treatment.”
http://reason.com/archives/2016/05/11/free-market-medicine/

Wait times climb at VA; half million vets waiting over 30 days for care
http://freebeacon.com/issues/half-million-vets-waiting-over-30-days-for-va-care/?utm_source=Freedom+Mail&utm_campaign=140d0bc944-WFB_Morning_Beacon_06_07_166_6_2016&utm_medium=email&utm_term=0_b5e6e0e9ea-140d0bc944-45628225

 

 

 

 

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Besides Wasting Money, Are Obamacare’s E-records Killing People?

Comment: Though advertised to save money (long debunked [1]), the real purposes of Orwellbamacare’s electronic data-gathering seem to be invading your privacy and making health care as unwieldy and expensive as possible.  But besides driving up cost and driving down productivity, could this healthcare-Gruberizing mandate actually be killing people when doctors miss vital warnings buried in O-clutter?  You be the judge.

“Something similar is happening to doctors, nurses and pharmacists. And when they’re hit with too much information, the result can be a health hazard. The electronic patient records that the federal government has been pushing — in an effort to coordinate health care and reduce mistakes — come with a host of bells and whistles that may be doing the opposite in some cases.”

[...] “Take Children’s Hospital of Philadelphia. In 2012, the facility switched to a new electronic health record, said Eric Shelov, the hospital’s associate chief medical information officer. Immediately, he said, practitioners began seeing far more alerts, to the point that doctors were overriding almost all of them. The problem, Shelov said, is that “if you see enough nonsense, you’re going to start ignoring it.””

“That has consequences. In one instance at Children’s, doctors ignored relevant information about how a patient might respond to a drug, Shelov said, because it appeared alongside heaps of superfluous notifications — warnings, for instance, about drugs that posed minimal risk of interfering with each other. Consequently, the patient received medication that induced a potentially lethal reaction.

Doctors are overloaded with electronic alerts, and that’s bad for patients
By Shefali Luthra June 13 at 11:59 AM

_____________

[1] Bonus article: (You’re welcome!)
“Despite the government’s bribe of nearly $27 billion to digitize patient records, nearly 70% of physicians say electronic health record (EHR) systems have not been worth it. It’s a sobering statistic backed by newly released data from marketing and research firm MPI Group and Medical Economics that suggest nearly two-thirds of doctors would not purchase their current EHR system again because of poor functionality and high costs.”

“We used to see 32 patients a day with one tech, and now we struggle to see 24 patients a day with four techs. And we provide worse care,” said one survey respondent.

Posted in Declining Quality of Care, Designed to Fail, Government Takeover, Perversities, Uncategorized | Tagged , , , , , , | Comments Off

Americans Defying Obamacare: “Come and get me.”

Comment: Much to the Obamacare-Grubers’ chagrin, about 60% of the “stupid American[s]” Prof. Jonathan Gruber intended to penalize into buying Obamacare, aren’t buying it.  Many have carefully calculated that the Freedom Tax (a.k.a. Obamacare penalty) is a lot cheaper than paying a bundle for lower-quality Obamacare insurance, only to get essentially no insurance anyhow.  It seems that Americans aren’t as stupid as Prof. Gruber thought…

Many holdouts have made their decisions after meticulously comparing the cost of insurance premiums and deductibles with paying for doctor appointments, lab tests and prescriptions themselves. For some healthy people, the combined cost of premiums and deductibles, which can exceed $10,000, makes the penalty seem a better deal.

_________

Susan Reardon, 61, of Kalamazoo, Mich., said she was leaning toward going uninsured this year. She calculated that she would have to spend more than $12,000, including premiums of nearly $500 a month and a $6,850 deductible, to get anything beyond preventive benefits from the cheapest exchange plan available to her.”

“Ms. Reardon, whose husband is old enough to be covered by Medicare, said she would rather pay out of pocket for the drugs she takes for fibromyalgia and the handful of doctor appointments she tends to need each year.”

[...]

“As for the tax penalty, which could approach $1,500 for her?”

““Come and get me,” Ms. Reardon said.

_________

For Tim Fescoe, a visual effects artist in Culver City, Calif., the problem with his health plan was that it seemed too bare-boned. That plan from Covered California, his state exchange, cost $455 a month for himself and his wife in 2014. But they dropped the plan, which had a $6,000 deductible for each spouse, and went uninsured last year.”

It literally covered zero medical expenses,” Mr. Fescoe said.

Many See I.R.S. Penalties as More Affordable Than Insurance
By ABBY GOODNOUGH

Posted in Designed to Fail, Free Market Alternatives, Government Takeover, Perversities, Uncategorized | Tagged , , , , , , , , , , , , , | Comments Off

UPDATE Obamacare 5 Years On: #PremiumPain and Insurers Leaving

On last week’s webinar, people asked for more ammunition to fight Obamacare on the basis that premiums are sky-rocketing and insurers are leaving the exchanges.  Tonight, I give you that ammunition, but I want to start by drawing your attention to a new rule HHS is proposing to cut off an escape route from Obamacare.

There’s something called short-term insurance that can be purchased off-exchange outside of Obamacare.  For years now, the Truth Squad has been urging people to consider buying short-term insurance and paying the ACA individual mandate penalty as a way of resisting Obamacare. We believe this strategy would be cheaper, and suit some people’s needs better than an Obamacare plan, even though short-term insurance typically covers less.

This strategy must make some sense because along comes HHS this week trying to put a stop to it.  Their proposed rule would limit short-term insurance to 3 months and not let it be renewed.  Currently, short-term insurance can be purchased for up to 364 days and it is renewable. If the rule is finalized, only people in some kind of transition would still have access to short-term insurance.

We know that sick people like Obamacare because Obamacare heavily subsidizes the cost of their illness.  Healthy people are more likely stay away from the Obamacare exchanges, and many have.  Cutting off the short-term insurance escape route will push some of these healthy individuals into Obamacare plans, shoring up Obamacare financially by capturing more healthy people to subsidize sick risk pools.

HHS calls short-term insurance a “loophole”.  I call their effort to drastically curtail its availability, left-wing authoritarianism.

Now on to premium increases.  The Truth Squad has tweeted 30 stories about premium increases, so far.  I’m including all 30 in the wrap-up.  That’s too many to put in Chatzy tonight, so I will provide one link to a post on ObamacareTruthSquad.com where you can find the stories later tonight.  One notable story is about the 60 percent increase requested in Texas recently.  This is not what we were promised, so we often include the hashtag #WheresMy2500, referring to the President’s repeated promises that people would see their premiums go down $2,500 a year, not up.

On a previous webinar, I mentioned that Obamacare subsidies go up as premiums go up.  I called this the ‘real Obamacare death spiral’ because it means the national debt will just keep getting bigger.  Since that time, I’ve read that only half the people on the Obamacare exchanges are getting subsidies.  This means that premium increases are hitting these people right between the eyes.  The administration likes to say that subsidies insulate Obamacare policyholders from premium increases, but that’s not true for half the people on the exchanges.  Surely, they can’t be happy campers, and we should channel their discontent into repealing Obamacare.

Finally, we have tweeted more than 20 stories about insurers getting out of the Obamacare business and leaving the exchanges.  It’s true that some new ones are coming in, and some insurers are profitable and want to stay on.  However, it appears, on balance, that more are leaving and over 500 counties in the country are down to one insurer.  That’s not a good thing and it gives us another reason to get rid of Obamacare.

Links

Short-Term Insurance

Left-wing authoritarian gov’t wants to capture more sefs, save #ACA risk pools by stomping on short-term insurance
https://morningconsult.com/alert/hoping-improve-aca-risk-pools-hhs-proposes-way-curb-use-short-term-plans/

#Premium Pain

California expects ave increase in #Obamacare rates of 8%. #SpinThis #TheYearOfRisingPrecipitously
http://khn.org/news/obamacare-premiums-in-california-may-rise-8-percent-next-year-state-predicts/
#PremiumPain #1

#PremiumPain #2 – “Obamacare insurers request double-digit rate hikes in Maine”. #RepealObamacareNow
http://bangordailynews.com/2016/05/11/business/obamacare-insurers-request-double-digit-rate-hikes-in-maine/

#PremiumPain #3 – “Vermont health insurance companies seek 8 percent rate hike”. #SpinThis
http://www.wptz.com/news/vermont-health-insurance-companies-seek-8-percent-rate-hike/39521330

#PremiumPain #4 – “Humana Seeks 50% ObamaCare Premium Hike In Michigan”. #WheresMy2500
http://www.investors.com/politics/policy/humana-seeks-50-obamacare-premium-hike-in-michigan/

#PremiumPain #5 – Wellmark to jack up rates 38% to 43% for some customers in Iowa. #WheresMy2500
http://www.desmoinesregister.com/story/news/health/2016/05/12/wellmark-plans-38-to-43-increases-some-customers/84277758/

 #PremiumPain #6 – Florida #ACA plans to increase average of 17.7%. #WheresMy2500
http://hotair.com/archives/2016/05/13/florida-insurers-seek-17-rate-hike-under-obamacare/

#PremiumPain #7 – Insurers seek 9.4 to 37.1 percent #ACA hikes in Virginia. #WheresMy2500
http://www.loudountimes.com/news/article/significant_premium_hikes_expected_under_obama_health_law432

#PremiumPain #8 – average 29.6% increase requested in Oregon
https://insurancenewsnet.com/oarticle/obamacare-premium-increases-aplenty

#PremiumPain #9 – low-cost provider requests 45.2% increase in New Hampshire, right between the eyes. #WheresMy2500
https://insurancenewsnet.com/oarticle/obamacare-premium-increases-aplenty

#PremiumPain #10 – New York insurers seek ave 17.3% increase. If regulators trim, insurers will leave
http://www.bloomberg.com/news/articles/2016-05-18/obamacare-plans-in-new-york-seek-to-raise-premiums-by-17-percent

#PremiumPain #11 – “MARYLAND: ‘Insurers to seek rate increases of up to 30 percent’”
https://insurancenewsnet.com/oarticle/obamacare-premium-increases-aplenty

 #PremiumPain #12 – Uh oh, Tennessee insurers continue to bleed despite 36-60% increases last year. #WheresMy2500
https://insurancenewsnet.com/oarticle/obamacare-premium-increases-aplenty

 #PremiumPain #13 – rates for young men increasing 97-99%, young women 55-62%. #MillennialsGettingTheShaft
http://www.washingtonexaminer.com/obamacare-raised-premiums-and-taxes-to-combat-soaring-premiums-and-taxes/article/2538236

Retweet
Scott Gottlieb, MD Verified account @ScottGottliebMD 1h1 hour ago
Public Exchange Update: Pennsylvania Insurers Propose +24% Individual Market Rate Hikes #Obamacare
#PremiumPain #14

#PremiumPain #15 (Pa) – Highmark seeks 48% increase; others also ask for big hikes
http://lancasteronline.com/news/local/highmark-seeks-percent-increase-in-obamacare-premiums-others-also-ask/article_f7371652-22ae-11e6-958e-071e999c3bc4.html

#PremiumPain #16 – Nebraska insurers seek average 35% increase
http://www.sasse.senate.gov/public/index.cfm/press-releases?ID=D49569B5-B829-4287-9031-5D6FD1812F8F

#PremiumPain #17 explained – “At every turn, regulators favored enrollment gains over sound management.”
http://www.forbes.com/sites/scottgottlieb/2016/05/20/the-political-choices-made-to-goose-obamacare-are-now-wrecking-it/#1a11dd0d6184

#PremiumPain #18 – Arkansas insurers ask for big rate hikes, up to 24 percent. #WheresMy2500
http://swtimes.com/news/obamacare-insurers-seek-rate-increases-arkansas

#PremiumPain #19 – Midwest states biggest losers 2016 price hikes.  Who loses most 2017?
http://www.businessinsider.com/obamacare-price-change-for-every-state-in-us-2016-5

#PremiumPain #20 – rate hike requests average 17% in Kentucky
http://politicalnews.me/?id=38971&keys=OBAMACARE-DESTROYING-MIDDLECLASS-HEALTHCARE

 #PremiumPain #21 – double-digit increases in Massachusetts small biz attributed to #ACA risk adjustment
http://www.bizjournals.com/boston/blog/health-care/2016/05/thousands-of-small-businesses-to-see-doubledigit.html

#PremiumPain #22 – “Blue Cross asking for 60 percent rate hike for Obamacare plans in Texas in 2017”
http://bizbeatblog.dallasnews.com/2016/06/blue-cross-asking-for-60-percent-rate-hike-for-obamacare-plans-in-texas-in-2017.html/

 #PremiumPain #23 – “Health insurance could cost up to 49.4% more for individuals, small businesses”
http://www.kansas.com/news/business/health-care/article81716057.html

 #PremiumPain #24 – rates to go up as much as 29% in Indiana next year
http://www.ibj.com/articles/58807-hoosiers-could-pay-more-for-obamacare-policies-next-year

#PremiumPain #25 – Oklahoma state regulators: don’t look at us. We don’t set rates, feds do.
http://www.prnewswire.com/news-releases/oid-has-no-authority-to-approve-obamacare-rate-increases-300275831.html

#PremiumPain #26 – Florida rate increases reach 44%, average 13%. #WheresMy2500
http://events.tbo.com/news/health/florida-insurers-seek-rate-increases-for-obamacare-plans/2279141

#PremiumPain #27 – #ACA 2016 Average Rate Hike Was 8%. You broke your promise. #WheresMy2500
http://blog.independent.org/2016/06/08/confirmed-obamacares-2016-average-rate-hike-was-eight-percent/

#PremiumPain
http://www.wsj.com/articles/insurers-seek-big-premium-boosts-1464220397
graphic

‘Stable health insurance market’ and ‘no reason to despair’? You’re in denial. #PremiumPain
http://healthpolicyandmarket.blogspot.com/2016/06/everything-will-be-fine-as-soon-as.html?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+HealthCarePolicyAndMarketplaceBlog+%28Health+Care+Policy+and+Marketplace+Blog%29

‘Subsidies insulate you from rate hikes.’ Really? Half the individual market does not get a subsidy.
http://healthpolicyandmarket.blogspot.com/2016/06/everything-will-be-fine-as-soon-as.html?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+HealthCarePolicyAndMarketplaceBlog+%28Health+Care+Policy+and+Marketplace+Blog%29


Insurers Leaving

Wheels coming off – “Fifty-plus insurers nationwide are exiting the exchanges”
http://nypost.com/2016/01/10/beyond-obamacare-the-light-at-the-end-of-the-tunnel/

UnitedHealth to remain in only 3 states – Nevada, New York and Virginia
http://www.bizjournals.com/milwaukee/news/2016/06/02/unitedhealth-confirms-exit-from-wisconsin.html

 UnitedHealth joins Humana in leaving Wisconsin exchange
http://www.bizjournals.com/milwaukee/news/2016/06/02/unitedhealth-confirms-exit-from-wisconsin.html

UnitedHealthcare, Humana leaving Arizona exchange, leaving only one statewide insurer. #ItsNotWorking
http://ktar.com/story/1078738/arizonans-left-with-fewer-options-as-major-health-care-insurers-pull-out/

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#refusetoenroll
Dan BonginoVerified account
When does the good news start with Obamacare? “Humana warns it will exit some #Obamacare exchanges” http://washex.am/1UyKPva  @DCExaminer

Humana might leave more #ACA exchanges; enrollment way down.
http://www.chicagobusiness.com/article/20160505/NEWS03/160509869/humana-like-rivals-may-leave-obamacare-exchanges

 Humana to leave #Obamacare market in Alabama and Virginia
http://www.wtvy.com/content/news/Humana-pulls-out-of-Alabama-leaving-one-insurer-on-Obamacare-exchange-378451841.html

Virginia a microcosm: sicker pool, rate hikes, insurer profits squeezed, insurers leaving
http://www.investors.com/politics/policy/why-anthem-obamacare-premiums-will-soar-in-va-as-humana-bolts/

Humana loses $176M on #ACA business, may withdraw from exchanges next year
http://www.forbes.com/sites/brucejapsen/2016/02/10/obamacare-losses-for-humana-mean-potential-withdrawal-in-2017/#94e8a146761d

“Oregon health insurers seek double-digit 2017 rate hikes”; one insurer leaves state
http://www.oregonlive.com/business/index.ssf/2016/05/oregon_health_insurers_seek_do.html

Blue Cross might leave North Carolina after losing almost $300 million there.
http://wncn.com/2016/05/05/blue-cross-still-dealing-with-system-failure-issues-may-drop-obamacare/

“UnitedHealthcare leaving Illinois Obamacare exchange”. #ItsNotWorking
http://www.chicagobusiness.com/article/20160531/NEWS03/160539973/unitedhealthcare-leaving-illinois-obamacare-exchange

“UnitedHealth to exit California’s Obamacare market”
http://money.cnn.com/2016/05/31/news/companies/unitedhealth-obamacare-california/index.html

“UnitedHealthcare leaving Florida Obamacare exchange”
http://www.news-press.com/story/news/2016/05/27/unitedhealthcare-leaving-florida-obamacare-exchange/85039848/

“UnitedHealth Quits 27th Obamacare State as Insurer to Exit N.J.”
http://www.bloomberg.com/news/articles/2016-05-18/unitedhealth-quits-27th-obamacare-state-as-insurer-to-exit-n-j

UnitedHealth’s departure will leave consumers paying more and getting less
http://khn.org/news/uniteds-departure-from-marketplaces-could-impact-consumers-costs-access/

Where UnitedHealth leaves and others merge: no, you can’t keep your plan, doctor, or drugs
http://dailysignal.com/2016/04/26/how-unitedhealthcares-exit-from-obamacare-exchanges-will-impact-consumers/?utm_source=TDS_Email&utm_medium=email&utm_campaign=MorningBell&mkt_tok=eyJpIjoiTUdRNE1qRXlZalJsWWpjMSIsInQiOiJBVVNJTUFnYmtDUmpqWkMwV1wvSUFFbEg5ZGhkRHE1ZVwvcVpIS2JcL2RRNXc1dk85elJNS0NyakN0K2xYWjhEZ1ZWSzgrbTMxMFZFSHpRQ0k0VHlnM0dCbWVxVVJFMVVIY1F4dGtFbnN4VFM0VT0ifQ%3D%3D

Quality of #ACA coverage will continue to fall after UnitedHealth exit; race to the bottom
http://www.forbes.com/sites/michaelcannon/2016/04/19/five-things-aca-supporters-dont-want-you-to-know-about-unitedhealths-withdrawal-from-obamacare/#7861fb3a5e41

UnitedHealth is 1 of 2 insurers in 536 counties; pull-out will cause rates to go up
https://morningconsult.com/2016/04/study-finds-local-impact-unitedhealth-aca-withdrawal/

 “UnitedHealth to exit Michigan Obamacare exchange”
http://www.detroitnews.com/story/business/2016/04/16/unitedhealth-exit-michigan-obamacare-exchange/83137432/

UnitedHealth to exit Georgia and Arkansas exchanges after losing $1 billion on #Obamacare plans
http://thehill.com/policy/healthcare/275660-unitedhealth-to-exit-obamacare-exchanges-in-two-states-report

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Sally Pipes@sallypipes 54m54 minutes ago
My latest piece in @MedEconomics: “As insurers leave Obamacare exchanges, doctors pay the price” http://buff.ly/1Tyiikx  #Obamacare #ACA

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RATE SHOCK 2017: Oklahoma Insurer Files to Raise Rates 49%!

Comment: The unAffordable Act (aka “Obamacare”) makes health insurance cost MORE.   Obamacare adds bureaucrats, middlemen, government, taxes, freeloaders, and fees to your health insurance premiums.  All of that costs MORE.  Not less, MORE.   (As we have been humbly reporting here at OCTS from the beginning.)

It’s absolutely unnecessary, it’s counterproductive, but that’s what the unAffordable Act does.

Check out the hashtag #PremiumPain on Twitter for more stories about #ACA rate hikes.

In Texas, Blue Cross and Blue Shield is seeking increases averaging 53.7 percent across its Affordable Care Act plans, according to documents posted online by the federal government. In Oklahoma, Blue Cross and Blue Shield is seeking rate increases that average 49.2 percent.

“Texas and Oklahoma are possible harbingers of Blue Cross’ prices on the Illinois exchange because all three health plans are owned by the same company, Chicago-based Health Care Service Corp. Blue Cross is the most popular insurer on the Illinois exchange.”

HCSC’s medical costs have outpaced premium rate increases by a wider margin compared with other big health plans, according to Mark Farrah’s analysis. Between 2013 and 2015, HCSC has seen a 107.4 percent jump in its average claim per member per month. But its premiums over that time went up 45 percent.

HCSC said it lost $1.5 billion last year on its individual business, up from $767 million in 2014. In Texas, where HCSC has nearly 603,000 members on ACA plans, the company lost $592 million last year and $416 million in 2014 on its individual business, Spencer said.”

Still losing money despite 45 percent rate-hikes!!  (Now that’s affordable!)

“In Illinois, Blue Cross lost about $375 million last year on its individual business, despite an average increase in premiums of 17.8 percent on ACA plans.

Blue Cross premium hikes in Texas, Oklahoma could mean Illinois sticker shock
June 3, 2016, by Ameet Sachdev, Chicago Tribune

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UPDATE – Obamacare is Corrupt

Tonight, I will introduce you to a theme the Truth Squad will be working going forward. Obamacare is corrupt.  Leave aside for the moment that it’s tyrannical, unworkable, and costs way too much. Obamacare is corrupt, and we will be pounding that theme in future posts and tweets.

Corruption is a very powerful theme that has brought down governments around the world, a famous example being Ferdinand and Imelda Marcos in the Philippines, and the latest example being Brazil. Let’s harness the power of the corruption theme and turn it into energy for repealing Obamacare.

Obamacare was born of corruption. Big Pharma made a $70 billion deal to support Obamacare in order to remove the threat that the government would allow the re-importation of cheaper-priced drugs through Canada. To hold up its end of the bargain, Big Pharma made secret contributions to political action committees to run ads in favor of senators who were for Obamacare at the time it was being considered, and ads against those who were not. Then there was the crooked deal – made in secret and against the members’ wishes – whereby the AMA (the American Medical Association) supported Obamacare in exchange for a government contract worth $100 million a year to produce diagnostic and billing codes.

Who could forget the ‘Lie of the Year’ in 2013 – President Obama promised 36 times, ‘if you like your plan, you can keep your plan’. That lie will eventually affect 93 million people who will lose their plans because of Obamacare. How do you lie to 93 million people and not be corrupt?

Jonathan Gruber has been investigated for billing fraud. Journalists got slush fund money to write favorable stories about Obamacare. Unions misused Obamacare navigator money to recruit new union members. Kathleen Sebelius hit up the insurers for promotion money because enrollment wasn’t going so great. Planned Parenthood got half a million dollars in Obamacare navigator contracts, despite its long history of fraud in government contracting. Government officials have cashed in on their Obamacare credentials and taken cushy jobs in the private sector, including Marilyn Tavenner who now heads up the insurance lobby. I discussed another crony on this webinar before – Rocco Perla who left HHS shortly after it was announced the government would spend Medicaid money on things like housing. Perla cashed in to become CEO of an outfit specializing in … spending Medicaid money on things like housing.

The White House coerced insurers to limit premium increases before the 2014 mid-term elections. Healthcare.gov sells your health information to outside data companies. Who knows – maybe they’re also selling it to the Democratic Party. Colorado officials were pressured to report fewer policy cancellations in order to make Obamacare look good. Oregon’s former Governor colluded with his state exchange to help his reelection campaign. That one has been referred for criminal prosecution.

And the nail in the coffin: Congress foisted this law on us, but exempted themselves from it. The House is currently in court complaining that the administration is paying out unlawful subsidies to insurers, but members of Congress and their staffs are receiving illegal Obamacare subsidies themselves, and telling the most outrageous lies to justify it. If I were the court, I would throw out the House lawsuit, telling them to clean up their own corruption first. Swearing you’re a small business on official forms when you know darn well you’re not? Really.

Obamacare is corrupt. Obamacare breeds corruption. Obamacare corrupts everyone and everything it touches. Obamacare’s endemic corruption means it will never achieve anything noble or worthwhile. You can talk about social justice all you want, but the essence of Obamacare is corruption. Corruption is a powerful theme; let’s use it.

Links

 Corrupt pharma deal -
2015 book America’s Bitter Pill by Steven Brill (pp. 97-101).

AMA’s corrupt support for Obamacare
http://thehill.com/policy/healthcare/117413-tea-party-doctors-take-aim-at-the-american-medical-association

“Video: 36 Times Obama Lied About Keeping Your Insurance”
http://www.breitbart.com/blog/2013/11/05/video-36-times-obama-lied-about-keeping-your-insurance/

“Lie of the Year: ‘If you like your health care plan, you can keep it’”
http://www.politifact.com/truth-o-meter/article/2013/dec/12/lie-year-if-you-like-your-health-care-plan-keep-it/

Everything you wanted to know about Jonathan #Gruber corruption – no-bid contracts, phantom research assistants, etc.
http://www.americanthinker.com/articles/2015/03/grubers_grasp.html

 Slush funds for journalists to write favorable stories about Obamacare
http://wizbangblog.com/2013/02/03/obama-operatives-training-media-how-to-sell-obamacare/

 More #Corruption: Feds investigate whether union misused #Obamacare navigator money to recruit new members
http://dailycaller.com/2015/04/12/feds-investigate-whether-union-misused-obamacare-funds/

 GAO: White House adviser (and Sebelius) involved in soliciting funds for Enroll America. Skirted spending limits.
http://www.foxnews.com/politics/2014/04/21/white-house-involved-in-seeking-for-pro-obamacare-group-watchdog-says/

Planned Parenthood units score half a million dollars in navigator grants, despite fraud cases.
http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/navigator-list-09-08-2014.pdf
Documentation: Corruption and Cronyism – $28 million overbilling and Medicaid fraud case against Planned Parenthood reinstated. Source: LifeNews.com
Planned Parenthood overbilling government exceeded $180 MILLION in California alone in 6-year period. Source: Human Events

#CronyAlert –CMSer leaves to become prez of multi-million $ mission creep .org to puff up what counts as healthcare
http://www.prnewswire.com/news-releases/former-cms-official-rocco-perla-joins-health-leads-as-president-300207156.html

White House coercing insurers to limit premium increases before the mid-term elections
http://danieljmitchell.wordpress.com/2014/07/15/obamacare-cronyism-and-bailouts-for-corrupt-health-insurance-companies/
this goes back to a Tim Phillips AFP editorial –
http://www.forbes.com/sites/theapothecary/2014/07/14/the-white-house-is-bribing-health-insurance-companies/

Healthcare.gov sends your data to co.s w/o consent (how much does gov’t make selling it & where’s my cut?)
http://money.cnn.com/2015/01/21/technology/security/obamacare-website-advertisers/

Sen Udall pressured Colorado officials to report fewer policy cancellations to make #Obamacare look better. #LIARS #corrupt
http://coloradopeakpolitics.com/2014/08/13/peakfeed-afp-launches-devastating-ad-highlighting-mark-udalls-obamacare-cover-up/

Former Oregon Governor’s pushing of state exchange for campaign purposes referred for criminal prosecution
http://townhall.com/tipsheet/katiepavlich/2016/05/25/house-oversight-committee-refers-failed-oregan-obamacare-exchange-to-doj-for-criminal-investigation-n2168714

 

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