Web site isn't the big issue

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Recently, my wife and I were having lunch with her late-20s cousin, a self-employed musician. Our conversation turned to the question of whether, as a single and healthy young adult, he should purchase health insurance next year when the individual mandate goes into effect.

This question seems simple, but as the Affordable Care Act has rolled out, this law’s new minimum-coverage requirements for health-care plans have had serious unintended consequences. These new requirements, including coverage for maternity and pediatric care, have led to the cancellation of many Americans’ existing policies that lacked such coverage. Many so affected have had to purchase more expensive plans with coverage that they simply did not need.

President Obama’s promise that “if you like your health-care plan, you can keep your health-care plan” has been replaced by the offer to extend some old plans for one year, usually with higher deductibles and monthly premiums. Frankly, this is a stay of execution rather than a full pardon. The simple fact is that insurers continuing to offer such plans after the extension period ends would be in violation of existing federal statutes.

As I explained to my wife’s cousin, his best prospects for a health plan that meets his specific needs would require that the ACA be amended. Should this process begin, it would present the first real opportunity in more than three years to reassess legislation with known current problems and other problems that will surely surface with its further implementation. Many of these problems would have been apparent in advance had the ACA’s partisan supporters carefully examined the act’s many provisions before its passage.

My wife’s cousin might reasonably decide to sit on the sidelines at least until the 2014 open enrollment deadline approaches, hoping that ACA amendments occur. Failing that event, he could pay a small fine now, knowing that if he later developed a medical problem he could purchase a health plan without his being denied for a pre-existing condition.

While the healthcare.gov website glitches have gotten a lot of airplay, they are far from the ACA’s biggest problem and eventually will be fixed. However, fixing the website without solving the ACA’s more pressing problems will fall far short of meeting the basic needs and concerns of my wife’s cousin and many other Americans like him.

Lawrence Devoe

Augusta

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Humble Angela
41338
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Humble Angela 12/18/13 - 07:05 am
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3
The only problem I have with
Unpublished

The only problem I have with this letter is that it said that the ACA had serious unintended consequences.

I don't believe the consequences were unintended at all, but were well planned and intended from the start. This law was, in my opinion, designed to fail for the purpose of having the government sweep in and save us from the disaster with a "single payer" system, which Obama, himself stated was his ultimate goal all along.

Humble Angela
41338
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Humble Angela 12/18/13 - 07:12 am
5
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Let the unlawful
Unpublished

Let the unlawful discrimination begin.

http://www.foxnews.com/politics/2013/12/18/smoking-obesity-other-health-...

I wonder how much screaming you will hear if they want to charge a black person more because they are more likely to get sicle cell anemia?

ymnbde
10358
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ymnbde 12/18/13 - 07:24 am
5
1
an accumulation of infirmities

an accumulation of doctors to treat the accumulation of infirmities
an accumulation of bills to pay the accumulation of doctors to treat the accumulation of infirmities
an accumulation of taxes to pay the bills to pay the accumulation of doctors to treat the accumulation of infirmities
an accumulation of forced labor to make the money to pay the accumulation of taxes to pay the accumulation of bills to pay the accumulation of doctors to treat the accumulation of infirmities
to each according to his portion of that mass of infirmity
from each according to his ability to pay
socialist medicine works fine
as long as you're healthy
oh, but the accumulation of infirmities and patients will grow and grow
and the accumulation of taxes will grow and grow
and the accumulation of workers will shrink and shrink
and the accumulation of doctors will shrink and shrink
and the competing accumulations will cause rationing of health care
or as Sarah correctly called it, death panels
thank you, liberals

teaparty
11313
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teaparty 12/18/13 - 08:59 am
5
2
"I wonder how much screaming
Unpublished

"I wonder how much screaming you will hear if they want to charge a black person more because they are more likely to get sicle cell anemia?"
HA, black people are at a higher risk for high blood pressure and diabetes. Using the logic of the unaffordable care act blacks should charged more. Also black men are more likely to be shot or stabbed so they should be charged even more.

Bizkit
34269
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Bizkit 12/18/13 - 09:26 am
4
1
Teaparty you are correct

Teaparty you are correct health disparities are a documented fact. We all have to pay a tax for the pre-existing conditions and their added costs-so really they fall in the same category.

DanK
784
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DanK 12/18/13 - 09:44 am
1
7
ALL group plans do this

No matter what group plan you go with, it will include coverage for the most common health issues for the populace at large. If you are male, your payment includes coverage for women's issues like preganancy and childbirth and breast disease, etc. If you are female, your payment includes coverage for male issues like prostate disorders, erectile dysfunction, etc. If you are single, you still pay for coverage for childhood illnesses like chicken pox and vaccinations and whooping cough. It is a *group* plan.

I know everyone wants to complain about the ACA, but the ACA is no different from any other group plan in regards to coverage of the various policies available.

Humble Angela
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Humble Angela 12/18/13 - 09:44 am
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DanK...the difference is,
Unpublished

DanK...the difference is, before the ACA, you had the option of getting a plan that DIDN'T include coverage for things you don't need. The ACA removed that choice, and forced less affordable coverage for a large number of Americans.

DanK
784
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DanK 12/18/13 - 09:53 am
1
5
Racial pricing

Okay, so White women are at greater risk for breast cancer. So should whites pay more? Hispanic and Asian-Americans have significantly lower incidence. Should they pay less? The incidence of Parkinsons Disease is higher among whites and lowest of all racial groups among blacks. Do whites pay more?

Group plans cover all common health issues for the entire populace represented in the group. If you don't like group plans, the best alternative is self-insurance -- in other words, pay out of your own pocket for your own health issues.

DanK
784
Points
DanK 12/18/13 - 09:58 am
1
4
Angela

"before the ACA, you had the option of getting a plan that DIDN'T include coverage for things you don't need."

You could *never* get a group plan that covered only a checklist of what you wanted and what you don't want. No group plan ever did that. Ever.

If you want an individualized, customized plan, you do not want a group plan. The ACA is a group plan, similar to what you'd get from an employer health plan only on a larger scale.

Humble Angela
41338
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Humble Angela 12/18/13 - 10:17 am
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1
No DanK...but now you can't
Unpublished

No DanK...but now you can't even get an individual plan that only covers what you want. Those are now forbidden by law...just ask all those who got their coverage cancelled. So much for choice.

As for the profiling....the left only likes it when they can discriminate against those that aren't preferred by the PC police.

Humble Angela
41338
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Humble Angela 12/18/13 - 10:32 am
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1
It seems liberals are all
Unpublished

It seems liberals are all about pro choice, as long as you choose what they want you to choose.

carcraft
27834
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carcraft 12/18/13 - 12:11 pm
5
0
Dan K your statement is

Dan K your statement is partially true. In many group plans OB coverage was an option and you bought a rider. Many College plans covered minor illness or catastrophic events, no preventative care. College plans have gone from $50/ semester to $1,500/ year due to increased coverage .

Humble Angela
41338
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Humble Angela 12/18/13 - 12:13 pm
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The part that DanK glosses
Unpublished

The part that DanK glosses over is that it is now illegal to sell insurance that only covers the things you need.

Darby
28343
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Darby 12/18/13 - 12:34 pm
6
0
Strange, I've never seen a study indicating that white

women are more inclined to develop breast cancer. On the other hand, I've read at least one report that suggested that on a per capita basis, black women ARE more likely to contract the disease.

Still, insurance rates should be set by the industry and not by some political hack with no knowledge of the facts, but a strong desire to please his boss and redistribute the nation's wealth.

Darby
28343
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Darby 12/18/13 - 12:35 pm
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The bottom line seems to be that ObamCare's

greatest accomplishment thus far is to move those who don't pay and have NEVER PAID, out of crowded hospital emergency rooms and into crowded doctor's offices where they STILL WON'T PAY!

The major difference seems to be that ObamaCare is intended to create even more of them.

Karl Marx would be SO proud!

OJP
7491
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OJP 12/18/13 - 02:18 pm
1
7
@Darby

"Karl Marx would be SO proud!"

Requiring everyone to enter the PRIVATE insurance market is no where close to Marxism - but it's not really expected of someone using those kinds of insults to know what they actually mean.

teaparty
11313
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teaparty 12/18/13 - 03:04 pm
5
1
"Requiring everyone to enter
Unpublished

"Requiring everyone to enter the PRIVATE insurance market is no where close to Marxism"
IT IS a large step in that direction. It is the 1st step to a single payer system which all the communists and Marxists in the democrat party want.

Humble Angela
41338
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Humble Angela 12/18/13 - 03:16 pm
4
1
"Requiring everyone to enter
Unpublished

"Requiring everyone to enter the PRIVATE insurance market is no where close to Marxism...."

But this administration is quite clever. It's called a private market, but the product they sell must be one of 4 very specificly defined packages.....those packages all defined by the Federal government. Yes.... a LARGE step indead. From the thousands of products that the private insurance companies could previously offer, the Feds have brought that down to a grand total of 4. Yes....thousands of choices, down to 4. All this from the party that claims to value choice.

Humble Angela
41338
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Humble Angela 12/18/13 - 03:24 pm
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1
It is good that OJP feels
Unpublished

It is good that OJP feels that being compared to Karl Marx is an insult..Odd though.

carcraft
27834
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carcraft 12/18/13 - 03:35 pm
4
1
The other "communist "

The other "communist " follows the basic tenant " from each according to his ability , to each according to his need"!. By forcing people to buy insurance they don' t need and won't use the excess revenue is transferred to reduce costs of those requiring what would have been much more expensive policies. It is a wealth transfer system managed by the IRS.

Humble Angela
41338
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Humble Angela 12/18/13 - 03:36 pm
4
1
It's not to be expected for
Unpublished

It's not to be expected for those defending Marxism to recognize it when it is so cleverly disguised.

GodisSoGood
1017
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GodisSoGood 12/18/13 - 04:00 pm
4
1
Choice?

The liberals preach choice when it comes to a woman's right to end the life of her unborn child. But FORCE a person to have insurance. Rather ironic. Either get insurance or pay a penalty....certainly doesn't sound like choice to me!

Humble Angela
41338
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Humble Angela 12/18/13 - 04:06 pm
4
1
Not just force them to have
Unpublished

Not just force them to have insurance, but reduce the available choices from thousands to just 4.

Little Lamb
47928
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Little Lamb 12/18/13 - 04:29 pm
2
1
Fine

Letter writer Lawrence Devoe wrote, “ . . . he could pay a small fine now, knowing that if he later developed a medical problem he could purchase a health plan without his being denied for a pre-existing condition.”

That would definitely be Mrs. Devoe's cousin's best option for 2014.

And then when we learned from the Associated Press that the only mechanism the IRS has to collect those fines is to take the fine money from any income tax refund check the taxpayer is due. Therefore, Mrs. Devoe's cousin should arrange his taxes such that he does not get a refund. However, it is mid-December and he has very little time to implement such a strategy. Even if he is due a refund, he will come out ahead by paying the fine.

KSL
139898
Points
KSL 12/18/13 - 04:53 pm
2
1
I wish health Savings

I wish health Savings Accounts had been available when we started out. Years of lower premiums, higher deductibles, healthy family, and the savings aspect, we would have a ton of money by now.

But then, our government does not want people to be self-sufficient.

allhans
24499
Points
allhans 12/18/13 - 04:54 pm
2
0
One of the selling points of

One of the selling points of Obamacare is the ER visits.
Watch what happens next...even more will be there. Some folks simply have no interest in having a private doctor when the emergency room is right there.

KSL
139898
Points
KSL 12/18/13 - 05:03 pm
2
1
Just read this.

http://www.newsmax.com/Newsfront/social-security-disability-depleted/201...

One of the reasons for lower unemployment numbers.

What a crook we have in the WH.

RMSHEFF
17800
Points
RMSHEFF 12/18/13 - 05:14 pm
2
0
Allhans

You are correct. There was a survey of people that use the ER for all their health need and 75 % were eligible for Medicaid but had not bothered to enroll.

KSL
139898
Points
KSL 12/18/13 - 05:37 pm
3
1
The Wharton School of

The Wharton School of business found prior to the passage of Obamacare there were about 10 million who were eligible for medicaid, etc, but had not bothered to sign up, 10 million could afford to buy insurance, but chose not, 10 million illegals (who should have been rounded up and shipped home), leaving about 10 million who needed help. For 10 million people, the democrats have ruined healthcare in America for the majority.

Bizkit
34269
Points
Bizkit 12/18/13 - 10:26 pm
2
0
There is a separate "tax"

There is a separate "tax" everyone pays $68 dollars or there about for pre-existing conditions.

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