Thursday, April 24, 2014

Time to repeal Obamacare

Obamacare needs to be repealed now. Sound extreme? Then take a look at what is occurring.

The $480-per-month insurance policy for my wife and me was canceled along with millions of other self-insureds. I went to the “affordable,” “better prices because purchasing in a group” Covered California exchange. The virtually same policy by the same insurer was now available at $1,150 per month, or $8,000 more per year. That is  a huge increase in premiums. We will now be uninsured.

The bulk of the population has employer-sponsored insurance. Minimally, two things will happen to those employers. Employees previously opting out of coverage, but now required to have it, will now sign up. And overall premiums of company policies will increase in the same way the self-insureds’ did.

The company has several options to keep costs to where they have been. It can pass on more of the premiums to employees. It can get a cheaper plan with a higher employee deductible for the employees. And it can have more part-time positions under 30 hours. So employees will pay more, get less value and have fewer work opportunities. It isn’t the fault of the employers. Obamacare causes this.

All the increases in premiums are in addition to the higher taxes we will pay to cover the subsidies, increases in Medicaid and the increased administration for this program. $1.5 trillion over 10 years has to come from taxes. You didn’t know your taxes were going up? The income tax rates didn’t go up, but our taxes were raised in less obvious ways than that. And for all that isn’t covered by current taxes, it goes onto debt for our kids to pay.

Don’t forget that while the insurance companies figure out just how much higher the premiums really need to be, the government, i.e. you and me, covers any of their losses for the next three years.

The speaker of the House at the time, Nancy Pelosi, told us we wouldn’t know what is in the bill until after it is passed. The representatives should have known if they read the bill before they voted. Now we now what is in it. Time to tell the same representatives to repeal it and find a different way to solve the problem.

John Doughty

Letters to the Editor


Discussion | 10 comments

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  • Not convincedDecember 04, 2013 - 8:58 am

    Yesterday, I heard from a small businessman that he is finding out from his employees that they will do better buying on the health exchange than what he is able to offer them through a group insurance policy. I know of many families that are able to buy health insurance for the first time in their adult lives. I also know of the relief of young adults who are able to stay on their parents policies until they establish their careers. I personally know of one young adult who had one accident on his bike. He is truly grateful that, because of Obamacare, he didn't need to worry about being taken to the emergency room for care and isn't saddled with the bill of over $15,000. Obviously, your income is high enough that you do not qualify for a subsidy. Companies are paying about the same to cover one employee. The cost is actually not out of line. Around $500/month per person for full health insurance is difficult to fit into the budget, but may be necessary to protect your life, your savings, your home. You've obviously chosen to take that risk.

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  • greg johnsonDecember 04, 2013 - 7:15 pm

    I'm sorry but after reading this response (and without a name to boot) I have to ask...Is this for real or somebody campaigning?? I should Google it to see if it was taken word for word from an Obama speech. Really!

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  • ontDecember 05, 2013 - 2:26 pm

    Funny coming from the resident GOP mouthpiece.

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  • Greg JohnsonDecember 06, 2013 - 1:53 pm

    Funny you should say that ont. Actually, I am not a republican, I'm an independent. My number one concern is the economy, which was already floundering before this monstrosity came about.

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  • ML1999December 04, 2013 - 11:03 am

    This is the biggest ongoing travesty in my lifetime. Not plastic bags or the so-called Global Warming. There have to be a dozen or more major components of the Affordable Care Act (Obamacare / ACA)where we will have ongoing, significant problems. Mr. Doughty has simply pinpointed the affects on one American family, a yearly increase of $8,000 out of pocket. The current ACA website has garnered the most attention as it is so visible, but wait until tens of millions of Americans continue to lose their health care coverage. Rates rise, coverage falls, and deductibles rise. Current estimates are that 50-100 million Americans will lose their HC coverage in pursuit of this fantasy. The ACA website is one of the most expensive websites in history, but guess what? Johnny down the street can access your personal data with the nonexistent security measures. Your medical privacy has been waived; its part of the bill, Nancy! The evidense so far as that we have indeed entered the "death spiral" - young healthy citizens aren't signing up, and the majority of poor people are joining Medicaid. Rates will skyrocket even further; ther is no Free Lunch. On top of this, how many doctors will refuse to cover patients when their rates are squeezed? With all of these new "requirements", rates obviously will skyrocket. Why should a 60-year-old grandmother have to pay for pre-natal care, contraception, and abortion services? We had an excellent system that had spurred innovations for decades! Yes, I do know of 2 people who will benefit from this program, but I know of dozens that will be harmed. I also personally know of 2 seniors who have made miraculous recoveries that Obamacare may not cover. (i.e., "Death Panels.) A 73-year-old grandmother who the doctors said wouldn't make it 1 year" has recevered from a stroke with love, family support, a fighting spirit and quitting smoking. And her 84-year-old boyfriend has recovered from a heart attack (medically induced coma), and numerous other illnesses. Both of these fighting seniors "defied the odds", but would the ACA panels deny them needed services? Our President knew all of this, and he lied to us on numerous issues, hundreds of times, over 3 years. This doesn't sound right to me.

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  • Rich RifkinDecember 04, 2013 - 1:54 pm

    "This is the biggest ongoing travesty in my lifetime." ........ Where does the $800 billion we spent on the Iraq War rank on your travesty list? Or the $400 billion spent on Afghanistan? I am not convinced, in either case, that those wars benefitted us. With Obamacare, it is yet to be seen. ....... In Iraq, given its terrible ongoing instability and the heightened influence of Iran there, our interests appear to be much worse off. The Afghanistan we will soon be departing remains an unimportant country to us and our vital interests and it remains unstable and direly poor. ........ Doing a bit of math, we could have spent that $1.2 trillion to buy a year's medical insurance for every single American. It's got to be seen by most, now, a travesty that we failed to use that money more wisely.

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  • Greg JohnsonDecember 04, 2013 - 1:20 pm

    There would be a million ways for this legislation to go wrong if it were enacted by a competent administration, which the current one is clearly not. We have already seen too many bad consequences. I know this letter represents only one case but it is an extreme one, and I have heard similar ones from people I have talked to. I have heard secondhand stories of people who are saving but nobody I have talked to directly is going to save money under Obamacare (or the ACA as dems like to call it now as they as they see the fallout). I think this is a lead weight around the neck of and already struggling economy. Most of what has emerged shows blatant lies and miscalculations, the greatest one being the assumption that young, healthy people will enroll in the numbers needed to not, as Bob Woodward put it "blow a hole in the budget". It is a mess and will continue to be a mess if not repealed. It is the creation of egomaniacs and philosophers and it was sold by the campaigner-in-chief who thought that the accomplishment of his signature legislation was acheived simply by the application of his signature.

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  • RKDecember 04, 2013 - 2:14 pm

    John Doughty does not include what the $240 per month per person policy included - the deductible, the co-pay, what was included and excluded.

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  • ontDecember 05, 2013 - 2:23 pm

    Or, more succinctly, you want to go back to allowing insurance companies to pick and choose who is worthy of receiving health insurance.

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  • ontDecember 05, 2013 - 2:19 pm

    Like many of these anecdotes, key details are missing. We don't know if John Doughty's previous insurance was real insurance or one of those products you pray you actually never have to attempt to use. If he would care to check it out, a bronze level plan in CA for two 50 year olds, for example, is going for a couple hundred bucks a month more than his premium last year. The bottom line is most people not lucky enough to be in perfect health and wealthy (aka most people) will benefit from this law. And those making over 200k a year can afford a small increase in their taxes to help pay for it.

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