Is there ANYONE out there who benefits from Obamacare?
I’m asking in all sincerity.
I have not read the 1400 page bill. I am not an expert on the politics of health care. However, I am a partaker of our health care system, and have used it fully. I also realize that we won’t see the full benefits of Obamacare until next year. But from what I have seen so far, it scares me.
I had the opportunity to meet with my health insurance agent recently. What an eye opener! When she sent us our new rates for this year, it did not compute. I thought they would go down. My medical risk went down (by three points!) and Obamacare surely would provide some relief! But instead, my rates went up. I immediately set up an appointment (with my agent, unfortunately President Obama wouldn’t see me).
There seems to be this strange assumption that health insurance is the same as health care. Obamacare does not provide affordable health care to anyone (except those few extra people who now qualify for Medicaid). Obamacare mandates health insurance.
Don’t think for a moment that just because you have health insurance, that you automatically get health care. I have found that paying for an expensive family policy provides me with very little health care coverage. And with the new Obamacare guidelines, I am actually provided with even less than I had before Obamacare.
Tell me this: Does a policy that has a $7000 deductible before it pays for anything other than a minimal number of doctor’s visits considered to be health care? If I still have to pay for my medication, additional doctor’s visits, any tests I need and most surgeries, is it really accurate to say that having insurance also means that I have health care? And if I spend almost $700 a month for this policy, how in the world am I supposed to be able to afford to go to the doctor and get “health care.”
I will say that this policy provides fantastic insurance that comprehensively covers all of my health care needs IF I meet the $12,000 max out-of-pocket (up 20% from last year). So, to get great health care, it only costs my middle-class family $20,000 per year (premiums plus max out-of-pocket). What a deal!
I know, you might be thinking, “These aren’t typical prices. She had cancer.” Silly me, I thought it was people like me that Obamacare was going to help. But to put it in perspective, this year our rates went up $100 per month. Not because of me. The rates of our children went up, our perfectly healthy, non-income generating, dependent children.
My agent explained it this way; Obamacare dictates that the rates for the most expensive (high risk) policies cannot be more than THREE TIMES the rates of the least expensive (low risk). That might make you think that means the high-risk rates (mostly elderly) would decrease, and perhaps they have, just a teeny bit (although mine didn’t). But what that really means is that rates go up for the young and healthy.
As a nice little bonus, I now have a $1000 prescription deductible. Yes, you read that right. Before I get any prescription coverage, I have to pay $1000. This is not included in the $7000 deductible. This is in addition to that. Once I meet my $1000 deductible they pay a whopping 50%. But don’t worry, I’ll meet that deductible before we are half way through the year.
The problem is, Obamacare makes little rules that are supposed to help us – like eliminating caps on prescription benefits. The insurance companies have to make that up somewhere. “How?” By raising our prescription deductibles.
Tell me President Obama, where is the relief to the middle class? Isn’t that what you promised? No more excuses!
I now have to make a choice: Pay my mortgage and feed my family OR buy a health insurance policy that costs more than I can afford and still requires me to pay for almost all of my health care. Hmmm…
I innocently asked my agent, “With rates like these, there must be a lot of people who just don’t buy insurance. What is the penalty if we don’t have insurance.”
Yes, that’s right. Just NINETY-FIVE DOLLARS. Per year.
Sign me up for that! I can’t afford $20k a year. I already had to pay almost that much. Twice.
I’m pretty sure that as long as I don’t have a cancer recurrence, we won’t come even close to that amount if we just pay for all our health care ourselves. If the cancer did come back, I’m pretty confident that all my medical expenses would be covered even without insurance. I’ve seen it happen over, and over, and over: hospital write-offs, grants, etc.
Although, perhaps as part of the sinking middle class, we may not be poor enough to qualify for many of those benefits. It really does pay to be poor. And it is just getting way too expensive not to be.
Once again I ask: Can anyone out there tell me how Obamacare benefits anyone, especially those who need the benefit?
Let’s look at some of my friends who make quite a bit less money than my family. Surely it will help them.
Some are on Medicaid. In some states (not mine) some will benefit from the Medicaid expansion. I confess, that will help some families.
The bulk of them don’t have insurance because they can’t afford it. They also don’t go to the doctor because they can’t afford it. Obamacare will now force them to pay money they don’t have for an insurance policy that will still require them to pay to go to the doctor, once again, with money they don’t have. How is that a benefit?
Instead, they will pay the miniscule $95 penalty and not have insurance. The only thing that changed was that they now have $95 less and still, no health care.
Forcing people to buy health insurance does not provide affordable health care. It seems obvious, although perhaps overly simplistic: the only way to make health care affordable is to reduce the cost of health care. This can only be done by confronting the giants that compromise the basic economic principle of supply and demand.
I won’t even get into what Obambacare is doing to businesses that are already under the heavy load of a tough economy.
It seems to me Obamacare is just making everyone pay a whole lot more money for a whole lot of nothing.
I’d love to know how Obamacare has affected you this year (good or bad). Please respond and share your stories!
How did our generation get stuck with such a raw deal when it comes to Social Security? I’m not bemoaning the fact that my mother and grandmother get it; I’m sick of the way government handles our money! There wasn’t a whole lot of foresight in the creation of SS.
Is it really wise to let our government take our hard earned money and put it into a fund for the use of generations ahead of us to retire, masked as a ‘due’ for our own retirement, no less?! Did anyone ever think that maybe the birth rate would decline immensely? Did anyone think that maybe people would live longer and longer? How about a bad economy and high unemployment on top of that? Let’s think that through.
The Social Security taxes you now pay go into the Social Security Trust Funds and are used to pay benefits to current beneficiaries. The Social Security Board of Trustees now estimates that based on current law… In 2017 (it) will begin paying more benefits than it collects in taxes and… in 2041, the Trust Funds will be depleted. Because people are living longer and the birth rate is low, the ratio of workers to beneficiaries is falling. Therefore, the taxes that are paid by workers will not be enough to pay the full benefit amounts scheduled. So, according to the SS Administration, our generation will pay the tax but won’t be able to collect on it when we retire.
Of course, I have heard the argument that this is a simple math problem to be fixed with increasing taxes. When does that line of thinking ever stop?! And how much do you have to raise the taxes to compensate for all of the changes I just mentioned? Let’s learn from history and our mistakes. Quit having the government take things over that are too important to mess with. Do we really want to give the US Government the opportunity to make us relive the Social Security mess with our healthcare?
Will our children be asking us, “Why did you get us into such a healthcare mess we can’t afford, when you knew how Social Security failed?”
Recently, Hobby Lobby made known that they have no intentions of acquiescing to the dictates of the HHS Mandate and they are willing to face the fines that will likely follow. To the tune of over a million dollars. A day.
A corporate giant refusing to kowtow to government dictates at their very own expense should inspire in us courage and awe. At the very least it should renew our faith in Corporate America. Maybe there are some wealthy and powerful white men who aren’t the spawn of Satan? The jury is still out on that one as there are folks who still find fault with Hob Lob’s stance, nevermind their apparent absence of monetary greed.
So Hobby Lobby is being accused of “forcing their beliefs on others.” Let’s give a collective shout: “What in the world???” It’s true. Some people actually think that because Hobby Lobby won’t include provisions for the abortion pill in their insurance policy, they are “forcing” their beliefs on America and the next logical conclusion we must reach is that Hobby Lobby will single-handedly usher in a new era of forcing all Americans to be Christians “just like them.” Wow, who knew southern folk who have a penchant for sewing fabric and picture frames could lead such a revolution?! It really brings new meaning to “domestic threat.” We better keep an eye on the Pioneer Woman, I am sure she has a hand in this revolution too.
As Christians, I highly doubt the Green family (owners of Hob Lob) expect to be treated with the same respect that a minority religious group might receive from the liberal steamroller that authored Obamacare, including the HHS Mandate. Truth be told, they know the Bible tells Christians to expect to be hated because Jesus was hated. Yet, we live in America, and America is supposed to be free. Meaning business owners are supposed to be free to run their business, secular or not, how they want to run it.
Yet over the years we have seen religious freedom become replaced by religious tolerance. And when it comes to Christianity, there is just no tolerating it. Why, you may ask? Well, because Christianity is INTOLERANT, duh! So we have a family who would like to quietly be allowed to run their business according to the dictates of their conscience, not telling anybody what to do, yet they are shot down hard by the oh-so-tolerant Supreme Court Justice Sonia Sotomayor.
It’s really a liberal problem.
If a company that offers employment to people chooses not to offer a certain controversial and unnecessary medical procedure to it’s employees, how is that the same as “forcing” beliefs on anyone? What about supporting tolerance of Hobby Lobby’s religious conviction?
Well here’s the clincher. The tolerance gig only goes one way. If what I am doing is agreeable to liberal progressives, they are tolerant and encourage tolerance. If it goes against said ideology, tolerance is not the issue, my intolerance is the issue. And it becomes a crusade filled with hate speech – er, I mean, “reasons” why my ideology should be crushed. (Yes, I know, nevermind that just by saying that Christianity is intolerant and shouldn’t be allowed to be expressed against the wishes of liberal ideology, the say-er would be found guilty of intolerance. It doesn’t matter that they be consistent or intellectually honest, only that they be passionate and loud.)
In the name of tolerance, liberal progressive Americans are happy to snuff out others – business owners for now – because it forwards with their own ideology. The issue is silencing opponents of the liberal agenda and the end justifies the means, as always. So the same intolerance that has liberals worked up into a foamy lather does not apply to them. Makes perfect sense right?
Americans of good, moral conscience, please wake up to the foul odor of circumstantial ethics. The end does not justify the means and we must start holding the preachers of tolerance accountable for their hypocrisy. Let’s just start by simply and kindly pointing it out and asking them to defend their intolerance. They might say we are intolerant, but guess what? I am not the one claiming to be the messenger of the gospel of tolerance, so I don’t care. Jesus didn’t preach tolerance of all behaviors, he preached love of all people. They are not the same thing.
Oh, and OBVIOUSLY, if you want free access to the abortion pill, don’t apply for a job at Hobby Lobby. Seriously?! How is this complicated?
It’s still America. And America is still a free country. Stand down, Hob Lob haters, and go preach your violent message of tolerance to someone else, we are busy fighting to keep our freedom.
I leave for Washington DC on September 27th, and as excited as I am about this trip – it has been the cause of some very interesting conversations with people who love and care about me. Well-meaning and selfless followers of Christ, who care about my future and my sphere of influence (as small as it may be).
I’m traveling to DC with my boss, Brandi Swindell, and we’re taking part in an event called Acts Five29. With the recent controversy over the HHS Mandate (which requires Catholic institutions, as well as other well-meaning faith based institutions, to pay for and provide abortion-inducing drugs), pro-life and christian leaders around the nation have decided to come together, humble and broken, for 72 hours of peaceful prayer, prophetic witness, worship, and possible arrests in front of the White House.
I know that the only thing you’ve taken from this post so far is the word “ARREST.” Yeah. You read it correctly. Unfortunately, as we are standing for religious freedom, the unborn, and our first amendment rights, we also risk arrest.
Here is the mission of Acts Five29:
On September 29 – October 2, 2012, I will stand for my liberty. I will not participate in the subjugation of the vulnerable, in the deterioration of American liberty, in the removal of religious freedom in my country. I will not comply with the HHS Mandate; and I will risk and accept arrest to oppose this injustice.
This is my country. Liberty is my most precious right besides that of life, and it is a gift from God, deriving from natural law, not a grant from any government, just or unjust.
This is my time to act. I will not comply. I will not be complicit in injustice, or allow it by my inaction. I will not comply.
ActsFive29. I will ACT–5pm, September 29.”
There you have it. As radical, crazy, extreme, and ridiculous as it seems – it is for truth, life, and liberty that I will stand, pray, and fight. I know that many do not agree with this event or my participation in it, and so I’ve prayerfully committed to another post that will be coming soon. I want my generation to understand why faith and politics must go hand in hand. It will be controversial, I’m sure – but I am merely an instrument to be used by the most high God, and where He goes, I will go. What He says, I will say. What He asks me to do, I will do. I must obey God rather than man. Reverend Patrick J. Mahoney said to me, “Christianity isn’t safe. If it’s safe, it’s not Christianity.”
I pray that as a church, we have the courage to stand when all looks hopeless and when all seems lost. I pray that we come together and crush apathy underfoot as we march onward in this ever-present fight for truth and justice in a broken and confused world. I pray that many will join us in Washington DC as we fight for the future of the church and the legacy of our Founding Fathers. I pray for protection, compassion, unity, and most of all – for God to be glorified in our suffering as well as our success.
“I feel the greatest destroyer of peace today is abortion, because it is a war against the child.” -Mother Teresa