Thursday, April 24, 2014
YOLO COUNTY NEWS
99 CENTS

Plenty of data for ACA repeal

In Dave Hart’s Dec.12 “commentary” on my letter of Dec. 4 calling for the repeal of Obamacare, he said that I “provided no other information” other than the $480-per-month premium of my old policy versus the $1,150-per-month premium of a Covered California policy. He goes on to say that “the fine print in a policy that cheap needs some checking” and the blanket statement that “these low-cost policies offer no guarantees on the maximum out-of-pocket payments.”

Apparently, Hart does not have to shop for insurance.

As I said in my letter, $480 per month covered my wife and me with the “virtually same policy by the same insurer” (Anthem Blue Cross) now costing $1,150 on the exchange — a premium increase of $8,000 per year. That seemed complete and concise to me.

Expanding further, the types of coverage were identical in my side-by-side comparison — same policy. And the maximum out-of-pocket comparison for one year is $12,700 Obamacare Bronze plan and $17,000 “old policy.” Including premiums for the year, if something serious happened to my wife and me, the totals out of pocket are $25,500 Obamacare Bronze plan versus $22,760 my old policy — virtually the same policy.

Needing more in premiums, the insurance companies knocked down the back-end deductible and boosted the front-end premium for Obamacare. My wife and I are very infrequent users of medical care, so $480 for that policy worked for us. An additional $8,000-per-year premium puts it out of reach.

Apparently, it is hard for Hart to believe a good policy (such as the Obamacare Bronze plan) could be “that cheap.” It was last year.

So far, the self-insureds are the only ones implemented on and feeling the pain. In spite of how “wonderful” and “affordable” ACA is, the president delayed the implementation for large employers for a year. Then he did the same for small employers. Seeing the writing on the wall for insurance premium increases for 2015, he moved back the unveiling of those insurance rates until 10 days after the 2014 election to protect his party. These are ominous signs for how costly in dollars (premiums and taxes and debt) this is all going to come out.

While not letting us in on his insurance situation, Hart feels comfortable waiting a year to pass judgment, and thinks so should we. There is plenty of data, not including my situation, to show that Obamacare should be repealed and some other solution found.

John Doughty

Davis

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Discussion | 17 comments

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  • RKDecember 19, 2013 - 11:29 am

    Using the calculator on Covered California, the numbers you provide mean that the potential cost is likely around 12-13% of your annual income if you go with a PPO. Is this really out of your reach? You obviously work, so it is a wonder why you don't have access to group insurance through your employment. Maybe you are not understanding what insurance is. It is not a health savings account where you expect to spend every dime that you pay into the system each year. It is insurance against an unforeseen need. The choice is certainly yours to go without any health insurance and pay as you go. But be prepared to empty your savings account, sell your house, go into debt if one of you needs substantial medical care.

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  • December 19, 2013 - 1:36 pm

    RK, not true. Since nobody can be turned away with pre-existing conditions all one has to do is buy insurance when the get sick and they will be covered. No need to go broke, sell one's house or empty their savings. All one has to do is play the game, go without insurance and only get it if you really need it. Obamacare is a joke.

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  • RKDecember 19, 2013 - 2:04 pm

    Then what is John Doughty complaining about. This is not my idea of "access to healthcare," but It will work for him as you seem to think it should work. He'll just have to not access any preventative care (or just pay cash for his visits) and wait for a crisis, then come up with the $25,000 share of cost and he's good to go. However, he'll have to pay cash during the month that it might take for the policy to go into effect. Not sure if a policy would be retroactive to the date of initial treatment or an emergency room visit, which could be really pricey. Not sure if those out of pocket expenses before the policy went into effect would count toward the policies limits.

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  • greg johnsonDecember 22, 2013 - 10:24 am

    Obamacare was a disaster from the beginning and will continue to be. I doubt even he believes in it anymore but he can hardly let it go now. Even the young people are waking up now and realizing they should have voted for Mitt Romney. Hopefully repeal will happen and we can wipe away every trace of this president's existence 8 years after his election victory with nothing to remind us it was anything more than a bad dream except the 10-12 trillion of additional debt.

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  • Grant AcostaDecember 22, 2013 - 7:45 pm

    Wrong, Greg. Most of the young people I know are not waking up wishing they voted for Romney, they're wishing Obama didn't try to compromise with the Republicans and give up on a public option. I agree the ACA is a disaster. Trying to install social justice in a greedy capitalistic system was not a good idea, but I think young voters respect the fact that Obama at least tried to do a good thing. Goodness you're delusional if you think a Republican administration would have tried to fix the broken health care system.

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  • greg johnsonDecember 22, 2013 - 9:44 pm

    Wrong Grant. Young voters have turned on Obama, and it is mostly because of Obamacare. In the recent poll by Harvard, 47 percent of 18-29 year-olds said he should be recalled. Is that because they think he's too conservative and copped out? It is about statistical data, not "most young people you know". That's what polls are for. I don't know if Romney would have done anything for healthcare but he would have made positive strides in the economy. Do "most young people you know" like the fact that their degree no longer gets them a decent job, or that 95% of the wealth created under their man in the past 5 years has gone to the top one percent. Where's the social justice in that? He's the wrong guy. I voted for him the first time but figured out pretty quickly that I made a mistake!

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  • Grant AcostaDecember 23, 2013 - 8:48 am

    "95% of the wealth created under their man in the past 5 years has gone to the top one percent. Where's the social justice in that?" - Not sure where that stat came from, but if its true, then Obama should be your guy. We'll just have to wait for it to trickle down... If your theory about Obama being viewed as too conservative is true, the last thing voters will do is vote for a Ted Cruz-type Republican. Finally, I hope what comes of this health care mess is that people start to reconsider the idea of a public option. Most people agree there should be a public education option. Why should health care be any different?

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  • greg johnsonDecember 23, 2013 - 9:13 pm

    Grant, I got that stat off CNBC.com. I believe it. All the Obama-Bernanke printing machine has done is make a huge bubble in the stock market. And, no, I don't like that. I hate the Wall Street bastards. Romney would have been much better for the middle class. I was under the impression from your comments that you thought the young were abandoning Obama because he was not liberal enough. They are ditching him because they don't want anything that makes them pay. They want to receive, not give! I don't know why Davis liberals think that anyone who doesn't like Obama or Obamacare is a right-wing, Wall street, hard-hearted person. Obamacare is a bad plan, and the guy is incompetent. I don't like Ted Cruz and am hoping Christie will win. He is a practical, problem-solving moderate who, unlike Obama, is capable of compromise and negotiation.

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  • ontDecember 27, 2013 - 5:37 pm

    “hate the Wall Street bastards.” Then in the next breath praise Romney. What?? Romney was the overwhelming pick of Wall Street. He was their guy. They buried him in donations because he would let them write the rules again. And if Romney was president now and the exact same economic conditions were in place of low inflation, gdp last reported growing at 4 percent, gradual but steadily falling unemployment now at a 5 year low, declining consumer debt, recovering housing valuesetc republican lackeys would be crowing about his expert management of the economy.

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  • ontDecember 27, 2013 - 5:40 pm

    “hate Wall Street.” Then in the next breath praise Romney. What?? Romney was the overwhelming pick of Wall Street. He was their guy. They buried him in donations because he would let them write the rules again. And if Romney was president now and the exact same economic conditions were in place of low inflation, gdp last reported growing at 4 percent, gradual but steadily falling unemployment now at a 5 year low, declining consumer debt, recovering housing valuesetc republican lackeys would be crowing about his expert management of the economy.

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  • December 22, 2013 - 11:30 pm

    The healthcare system wasn't broken before but it's certainly broken now. Are you happy?

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  • MLDecember 23, 2013 - 10:53 pm

    Grant bemoans out "greedy capitalist system" which has produced the lions share of new treatments and drugs enjoyed by the world. Grant, exactly what significants medication innovations have come from France, Cuba, Grece, Portugal, or North Korea the past 2 decades? Do you know that many of the top specialty clinics for Canada are located in - Cleveland, Ohio? To put it another way, Grant, I know of a 73-year-old who just recovered from a massive stroke, and her 85-year-old boyfriend who is recovering from a heart attack. Sadly, at least one might have made the ACA's "death panel". This thing is an unfolding disaster of epic proportions.

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  • SteveDecember 23, 2013 - 4:29 am

    Obamacare has been great for us. We have a family of five and now we and our kids are all covered under a Kaiser plan and receiving regular insurance instead of having to go to the Communicare clinic and be treated like a second class citizen.

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  • December 23, 2013 - 6:13 am

    Steve, how much is it costing you and your family to get Kaiser?

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  • ontDecember 27, 2013 - 5:33 pm

    Unfortunately Steve the hysterical Obama-haters require you and your family be sacrificed so they can get a "win".

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  • December 23, 2013 - 9:15 am

    It's hard to believe that with all the lies Obama said about Obamacare, the skyrocketing cost and the resulting mess of implementing this monstrosity that there are still people who actually defend it.

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  • MLDecember 23, 2013 - 10:58 pm

    If you're on the receiving end of redistribution, or you help turn the wheels of redistribution, its OK. But haven't we learned that it took a centrally controlled economy to produce the Yugo? You see, Millions of people making millions of decisions a day are smarter than Barack Obama, Valerie Jarrett, MSNBC and Cass Sustein. Funny how that works.

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