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Did you know these Unbiased Facts on the Affordable Care Act, Healthcare Reform, and the Health Insurance Marketplace?

ProVega 2013/12/25 01:15:03
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ObamaCare Facts: Facts on the Affordable Care Act

ObamaCare Facts 2013 - We Tell you the Facts, Not The Talking Points

We present the facts on Obama Care (ObamaCare), the health care plan for America. Our goal is to help you understand the Affordable Care Act. Decide for yourself what you think about the new health care law, based on the facts and not the talking points.

Obamacare Cartoon(ObamaCare Facts Image Public Domain, Photo by Chuck Kennedy; U.S. Government Work)

• The official name for "ObamaCare" is the Patient Protection and Affordable Care Act (PPACA). It is also commonly referred to as Obama care, health care reform, or the Affordable Care Act (ACA).

• The Affordable Care Act was signed into law to reformthe health care industry by President Barack Obama on March 23, 2010 and upheld by the supreme court on On June 28, 2012.

ObamaCare's goal is to give more Americans access to affordable, quality health insurance, and to reduce the growth in health care spending in the U.S. What is ObamaCare?

• The Affordable Care Act expands the affordability, quality, and availability of private and publichealth insurance through consumer protections, regulations, subsidies, taxes, insurance exchanges, and other reforms.

• The fact is ObamaCare does not replace private insurance, Medicare, or Medicaid.

ObamaCare doesn't regulate your health care, it regulates health insurance and some of the worst practices of the for-profit health care industry.

• ObamaCare offers a number of new benefits, rights and protections including provisions that let young adults stay on their plan until 26, stop insurance companies from dropping you when you are sick or if you make an honest mistake on your application, prevent against gender discrimination, stop insurance companies from making unjustified rate hikes, do away with life-time and annual limits, give you the right to a rapid appeal of insurance company decisions, expand coverage to tens of millions, subsidize health insurance costs, and require all insurers to cover people with pre-existing conditions.

ObamaCare's new benefits, rights and protections also include the requirement that all non-grandfatheredhealth insurance plans cover preventive services and provide new Essential Health Benefits. Learn more aboutGrandfathered health plans.

Ten Essential Health Benefits including emergency care, hospitalization, prescription drugs, maternity, and newborn care must be included on all non-grandfathered plans with no annual or lifetime dollar limits.

Free Preventive services including yearly check-ups, immunizations, counseling, and screenings must be included on all non-grandfathered plans at no out-of-pocket costs.

• Many of Obamacare's numerous provisions have already been enacted. The rest of the program starts in 2013-2014 and continues to roll out until 2022.

• Hardship Exemption Update December 20th, 2013: If you had your plan canceled in 2014 due to the Affordable Care Act you now qualify for a hardship exemption in 2014. That means you won't have to pay the fee if you decide to go without insurance and will qualify for a low premium, high out-of-pocket catastrophic plan on your State's health insurance marketplace. This change does not affect your ability to get subsidies or purchase other marketplace plans.Remember to buy insurance through your State's Health Insurance Marketplace by December 23rd 2013 for coverage that starts January 1st!

• The Affordable Care Act contains ten titles that span over 1000 pages, but most of it's key provisions are in the first Title. The first title is about 140 pages long (these pages are mostly white space with about 450 characters per page). If you would like to read the whole title, would like a summary of the title, and/or a summary of the provisions within check out our Summary of the Patient Protection and Affordable Care Act.

• Over 100 million Americans have already benefited from the new health care law. This includes more than 105 million people who accessed critical preventive services for free that had previously been subject to out-of-pocket costs, billions of dollars saved for seniors from the gradual closing of the Medicare Part D "Donut Hole", billions saved from new accountability measures for insurance companies, and much more.

The Affordable Care Act also includes new taxes. Most new taxes are on high-earners, large businesses, and the healthcare industry. However, there are some tax related provisions every American should be aware of: Tax Credits to subsidize costs for low-to-middle income Americans and small businesses starting 2014, an Employer Mandate for large employers to provide health insurance to full-time employees by 2015, an Individual Mandate for individuals and families obtain health insurance by 2014, and lastly new limits to medical deductions.

Obamacare FactsIn exchange for the new rights and protections most Americans must obtain health coverage by 2014, get an exemption, or pay a fee. Learn more about the ObamaCare Individual Mandate.

• The CBO estimates that in 2016, after the major provisions of health care reform are implemented, 24 million people will be exempted from the Individual Mandate. In most cases if you don't think you can afford health insurance, you may be exempt and eligible for cost assistance.

• ObamaCare helps to cover working families who don't have access to health insurance. Come 2015 large employers will have to insurance full-time workers, while small businesses will get tax breaks for offering coverage. ObamaCare and Small Business.

• If you like your plan, you can keep it. Americans who like their health insurance can keep it until 2015 at which point all non-grandfathered health plans must meet the requirements of the ACA or be switched to a new plan. On November 14th, 2013 the President announced a "fix" that lets insurance companies renew plans and extend coverage of existing plans, that don't comply with the ACA, until the start of 2015. Some States have rejected the fix due to it creating two risk pools which will potentially drive up the cost of new plans. Learn more about keeping your insurance under ObamaCare.

ObamaCare creates State specific health insurance marketplaces(also known as exchanges) where individuals, families and small businesses can shop for subsidized health insurance and find out if they qualify for Medicaid, CHIP or Medicare. NOTE: If you have coverage through work, you can't get subsidies on the marketplace. What is the Health Insurance Marketplace?

Health and Human Services (HHS), the department in charge of implementing and overseeing the Affordable Care Act, reported that in the first two months of open enrollment nearly 1.2 million Americans of the 1.9 million who enrolled in the marketplace have selected a plan or had a Medicaid or CHIP eligibility determination.

• Americans making less than $45,960 as individual or $94,200 as a family of 4 may be eligible for free or low-cost health insurance due to cost assistance subsidies like Tax Credits that reduce premium costs and cost sharing subsidies that lower cost sharing on copays, coinsurance and deductibles.

• The CBO estimates the average marketplace subsidy per subsidized enrollee will be $5,290 in 2014.

• There are three ways to save money on your health insurance through ObamaCare's marketplaces: Advanced premium tax credits which lower your monthly premium costs, cost sharing subsidies which lower your out-of-pocket costs for copays, coinsurance and deductibles, and Medicaid which does both. Learn more about ObamaCare Cost Assistance.

• Over 15 million men, women and children will be eligible for Medicaid in State's that participate in Medicaid Expansion.

• The 2013 Federal Poverty Guidelines are used to determine cost assistance on the marketplace.

Cost assistance is only offered through your State's Health Insurance Marketplace.

• There are 4 types of Qualified Health Plans (sometimes called metal plans) available on the marketplace. Each one has the same benefits, rights and protections, but different networks and cost-sharing. Don't buy health insurance without understanding actuarial value and deductibles, the cheapest option won't always be the best one for you and your family. Learn about the Types of Health Plans sold on the Marketplace.

• Aside from the 4 basic plan types people under 30 and people with hardship exemptions can buy a "catastrophic" health plan through the marketplace. Catastrophic health plans have a low premium but very high out-of-pocket costs.

• Wondering how health insurance works? You pay a premium for every month you have coverage. The higher the premium the less out-of-pocket expenses you are responsible for and the larger network of doctors and providers you can utilize. All plans starting after 2014 are required to offer the same benefits, rights and protections but difference out-of-pocket costs. Learn more about how health insurance works and how to buy health insurance for 2014.

• Coverage purchased through the marketplace before December 23rd doesn't start until January 1st, 2014. This is because many of ObamaCare's benefits, rights and protections don't kick in until 2014. Apply for coverage now to see what your options are. You can enroll at anytime after filling out an application. Even if you plan to buy insurance some other way, it is still smart to know your options.

•The opening of the SHOP "Small Business Health Options Program" (the part of the marketplace small businesses use to buy employee health plans) has been pushed back to November 1st, 2014. Small businesses can still buy a SHOP plan through an agent now and claim tax breaks up to 50% of their share of employee premiums starting January 1st, 2014. Learn more about the ObamaCare SHOP Small Business Health Options Program.

• Aside from the "key provisions" of the Affordable Care Act (ObamaCare) there are hundreds of little talked about provisions that are very effective, but rarely talked about. For example, Section 3022 of the PPACA includes guidelines for the establishment of accountable care organizations (ACOs) under the Medicare Shared Savings Program. ACOs are doctors who band together and get paid based on their patients’ medical outcomes rather than on how many tests and procedures they perform. Learn more about ObamaCare and Medicare Reform.

Find Out What the Affordable Care Act Means for You:

• The ObamaCare website, healthcare.gov, is the place you can sign up for subsidized health insurance. As of December 1st, 2013 the ObamaCare website seems to be working well with many of it's initial technical issues ironed out. The "fix" gives everyone time to sign up before the December 23rd, 2013 for coverage that starts on January 1st, 2014. Get the latest ObamaCare Website Updates.

Open Enrollment in Your State's marketplace started Oct 1st, 2013 and closes March 31st, 2014. Find Your State's Marketplace Now.

• Medicare isn't part of the Health Insurance Marketplace. If you have Medicare, keep it.

• ObamaCare gives seniors access to cheaper drugs, free preventive care, reforms Medicare Advantage, and closes the Medicare Part D 'donut hole. Learn about how the Affordable Care Act affects Medicare.

• The Fact is ObamaCare gives 47 million women access to preventive health services and makes it illegal to charge women different rates than men. Get more ObamaCare Women's Health Services Facts.

• Up to 82% of nearly 16 million uninsured young U.S. adults will qualify for cost assistance or Medicaid through Obamacare's marketplaces.

• The amount of young people who sign up for insurance will greatly impact the effectiveness of the program, as healthy young adults are the least likely to use costly health care services. Find out How ObamaCare Affects Young People.

• 1 in 2 Americans have a "pre-existing" condition that they could be denied health insurance for. ObamaCare chips Away at pre-existing conditions until 2014 when there are no more pre-existing conditions for anyone, including high-risk customers. This means you can no longer be denied coverage or treatment or charged more for health status. Find out more about pre-existing conditions.

• 54 million Americans with private health insurance now have access to preventive services with no cost sharing due to the new minimum standards of ObamaCare.

• ObamaCare doesn't ration health care; it protects consumers from the health care rationing that insurance companies have been doing for ages.

• ObamaCare reduces the growth in healthcare spending. The current $2.8 trillion U.S. healthcare system costs almost $9k a year for every man, woman, and child.

• The new law affects everyone differently. Find out, "How the Affordable Care Act Will Affect Me?:

After you get done reading the ObamaCare facts, check out our detailed summary of Obama Care to get the facts on how Obama's health care reform really works: Healthcare Reform Summary

Listen to the President discuss ways to enroll in the Health Insurance Marketplace, give an update on the website, and discuss what the Affordable Care Act has done to benefit Americans so far:

• You may have heard about the ObamaCare website glitches. The official healthcare.gov website (not the State-run Marketplaces) has been having some technical problems, but there are alternatives. You can also sign up for the marketplace by mailing in an online application (read these instructions first), get in person help, or call the 24/7 helpline (800) 318-2596. Learn more about other ways to sign up for health insurance.

how to get health insurance

• The Defund ObamaCare movement led to a Government Shutdown on October 1st, 2013 as House Republicans refused to pass a budget unless it included repealing, removing, delaying, or defunding parts of the Affordable Care Act such as the medical device tax and employer mandate. The shutdown lasted until October 18th. Get the facts on the Government shutdown and the Repeal ObamaCare Movement.

• We've created a detailed ObamaCare Facts timeline of every protection, benefit, and tax laid out by the Affordable Care Act from 2010 to 2022. Health Care Reform Timeline

• ObamaCare is a hot button political issue and both sides of the aisle will try to persuade you to be for or against it. Get THE FACTS on ObamaCare and American Health Care Reform.

• About 15% of Americans are uninsured, which is a little less than 50 million men, women and children.

• The primary reasons for Americans being uninsured are cost and job loss.

• Both the individual mandate and the health insurance marketplace only affect uninsured Americans.

• For the 85% of Americans with health coverage almost all of ObamaCare's changes are already in place.

• 7 million Americans are projected to purchase private insurance on the marketplace this year.

• 9 million Americans are projected to enroll in Medicaid or CHIP (you can apply for Medicaid and CHIP through the marketplace).

• The number of uninsured has dropped every year since the Affordable Care Act was signed into law.

• The Congressional Budget Office is projecting the rate of uninsured will drop by 14 million people in 2014.

• The 101.5 million already enrolled in government health programs like Medicaid, Medicare, CHIP won't need to use the marketplace.

• The 170.9 million already covered by employer insurance won't need to use the marketplace.

• In 2010 16% of uninsured were full-time workers or their dependents.

• In 2010 only 53.8% of private sector firms offered health insurance.

• Poor working families are the most likely to be uninsured.

• The "employer mandate" means come 2015 larger employers will have to insure their full-time employees and their families or pay a per employee fee. Learn more about the Employer Mandate.

• In 2013, the average annual total cost of employer-sponsored family coverage was $16,351, and the share of the premium paid by workers was 29%. Between 2003 and 2013, premiums have increased by 80%.

• Small businesses can now get better benefits, cost-assistance and better buying power to provide employee health insurance via the SHOP (part of their State's Health Insurance Marketplace).

• Want more facts about uninsured Americans? Learn more about uninsured Americans from the Kaiser Family Foundation (one of the best resources on health care reform) and how ObamaCare helps.

The video below will tell you everything You Need to Know About ObamaCare in under 7 minutes.

Most Americans must obtain qualifying health insurance by January 1st, 2014, get an exemption or pay a fee for every month they are without insurance. The fee is paid on your federal income tax return. This fee is commonly referred to as an Individual Mandate and is part of the shared responsibility provision. Learn more about theObamaCare Individual Mandate.

• Most Americans will have the option to stay on their current healthcare plans. No one who can afford it or who have access to a subsidized plan, including seniors, will be forced not to have healthcare. That's an ObamaCare fact.

• If you like your doctor, and your health insurance provider includes your doctor in your insurer network, you can keep your doctor. Nothing in the ACA prevents you from keeping your doctor. Learn more about ObamaCare and Doctors.

• If you don't have coverage, you can use your State's new Health Insurance Marketplace to buy a private insurance plan. Many Americans will qualify for lower costs on monthly premiums and out-of-pocket costs through the marketplace. Please note that if you have access to employer based insurance you cannot get cost assistance through the marketplace.

Your State's Health Insurance Marketplace Opened Oct 1st, 2013 and closes March 31st, 2014. Insurance companies will compete to be your healthcare provider via your State's Health Insurance Marketplace, which is sometimes called a Health Insurance Exchange.

• Americans earning below 400% of the Federal Poverty Level may be eligible for cost assistance on the marketplace.

• Read our Complete Guide to the Health Insurance Exchange Marketplaces and find out how you can get reduced premiums and lowered out-of-pocket costs for copays, coinsurance and deductibles.

• 6 in 10 Americans without health insurance can get health insurance for under $100 through their State's Health Insurance Marketplace. Many low income Americans will have an option for free health insurance when applying through the marketplace.

Should I buy insurance through the health insurance marketplace? Your options for obtaining coverage are changing. For some of us buying private insurance through the health insurance marketplace will be our best option, for others buying health insurance through a private broker will be the smarter move. Find out which option is right for you and your family. ObamaCare and health insurance plans.

HealthCare.gov is the official site on the Affordable Care Act and the Health Insurance Marketplace. Ready to sign up for health insurance? Find your State's health insurance marketplace now.

• Any insurance plan that starts after 2014 must follow new health insurance rules and include Ten Essential Benefits. All health plans sold through the health insurance marketplace adheres to these rules.

• Policies issued before 2010 ("grandfathered" health plans) don't have to adhere to all the new rights and protections offered by the Affordable Care Act.

• ObamaCare takes measures to prevent all types of discrimination in regards to your right to health care. Factors such as pre-existing conditions, health status, claims history, duration of coverage, gender, occupation, and small employer size and industry can no longer be used by insurance companies to increase health insurance premiums.

• The only factors that can affect premiums of new insurance plans starting in 2014 are your income, age, tobacco use, family size, geography and the type of plan you buy. This applies to all plans sold through your State's health insurance marketplace.

• The amount of out-of-pocket costs your health plan covers can affect your rates. Plans that cover more out-of-pocket costs like deductibles, coinsurance, and copayments also have higher premiums.

• Starting 2015 in some States smokers can expect to pay up to 50% more than non-smokers for the same health plans. Subsidies are given before being charged a "tobacco surcharge" meaning that smokers could find affordable insurance being unaffordable. Get the facts on ObamaCare and smokers.

• the Affordable Care Act includes a major focus on wellness including funding for programs that educate the public on health and wellness and new rules for employer wellness programs.

• Employers can use the SHOP marketplace or Small Business Health Options Program, a part of the health insurance exchange, to purchase affordable coverage for their workers saving employers up to 50% of low to moderate earning workers premiums in the form of tax credits.

Did your health insurance premium go up? The fact is ObamaCare enacted a number of consumer protections, including a rate review provision, where insurance companies have to justify rate hikes above 10% to your State and post details online immediately. Yet, many Americans are still seeing their premiums rise at alarming rates. Learn more about ObamaCare Insurance Premiums

• ObamaCare is the first step toward true health care reform in the US. The fact is about 60 percent of all personal bankruptcies in the US are related to medical bills. The health care law helps protect you from medical bankruptcy by ending annual & lifetime limits. Find out more Health Care Facts.

• Other insurance reforms to curb the cost of premiums are already in effect as well. These include a Medical Loss Ratio policy and other accountability measures. Many more protections go into effect in 2014. So far, the average insurance premium has gone down. Americans saved $2.1 billion due to the new ObamaCare consumer protection provisions in 2012 alone.

• ObamaCare means 21 new taxes. Get the facts on how they will affect you, your family and your business. Get the ObamaCare Taxes Facts.

• ObamaCare states that "affordable insurance" means paying no more than 8% of your annual income on or 9.5% of family income if insurance is obtained through an employer. Please note ObamaCare does not guarantee "affordable insurance".

• ObamaCare provides lower prescription drug costs for people on Medicare.

• ObamaCare provides free preventive women's services, including mammograms, as one of the 10 essential benefits covered under every new insurance plan.

• Young, healthy Americans and those making above 400% of the FPL are projected to pay more for insurance while many others are projected to pay significantly less.

• ObamaCare ensures that there are no out-of-pocket costs on patients receiving mammograms and colonoscopies which are two of the most widely used forms of preventive health care.

• ObamaCare reforms and expands Medicaid to over 15 million of our nation's poorest. That's 6.1 million less than the last estimate due to States opting-out out of providing coverage, despite 100% federal funding for the first 3 years and 90% thereafter. Learn more about ObamaCare's Medicaid Expansion.

• States will have to spend millions on Medicaid over the next ten years regardless of whether they implement Medicaid Expansion. However, states that do implement ObamaCare's Medicaid Expansion will reap billions in additional federal dollars.

• As a direct cause of Texas opting-out of Medicaid expansion over a million Texans will go without health insurance in 2014. This includes In 2010 25% of Texans didn't have access to health insurance this includes 1,247,300 children. Many of the State's who opted out have the highest uninsured rates in America.

• ObamaCare's new Medicare Value-Based Purchasing Program means hospitals can lose or gain up to 1% of Medicare funding based on a quality v. quantity system. Hospitals are graded on a number of quality measures related to treatment of patients with heart attacks, heart failures, pneumonia, certain surgical issues, re-admittance rate, as well as patient satisfaction. Learn more about ObamaCare and Medicare.

• ObamaCare's insurance reform helps to insure millions of Americans each year. 48.6 million Americans went without insurance during all of 2011, compared to 49.9 million in 2010. The rate of uninsured decreased from 16.3% to 15.7%, the biggest percentage drop since 1999 due to the Affordable Care Act.

• Obamacare mandates that Medicaid payments be raised to the same level Medicare pays doctors. While it varies from state to state, primary care physicians will see an average 73% pay increase. This will make it easier for new Medicaid recipients to find doctors willing to take Medicaid.

• 25 States have opted out of setting up a State Run Health Insurance Exchange. This leaves the federal tax payer responsible for providing care for their constituents. 19 are running State Exchanges, while 7 have set up Joint State / Federal Exchanges. Find out more about ObamaCare's State Run Exchanges.

• ObamaCare makes it illegal for health insurance companies to terminate coverage for any reason other than customer fraud.

• ObamaCare provides $20 billion in tax credits for as many as 4 million Small Businesses to offset the cost of purchasing insurance on the Health Insurance Exchanges.

• Medicare and Medicaid both help to prevent "price gouging" by hospitals. ObamaCare's reforms strengthen these protections.

• Only the top 3% of small businesses will have to pay the additional 0.9% ObamaCare Medicare tax increase.

• Only 0.2% of businesses have over 50 full-time equivalent employees and don't already offer insurance to full-time workers. Providing these folks with insurance is the only "employer mandate" in ObamaCare.

• Over half uninsured Americans are small business owners, employees or their dependents. Learn the Truth Behind the ObamaCare Small Business Taxes, How They Affect America's Biggest Job Creators.

• Want single payer? By 2017, states will be able to get a waiver to set up their own approved health care solution, as long as it meets the standards of ObamaCare.

• The CBO estimates 19 million Americans (of the 23 million estimated to use the exchange) will receive Tax Credits to Purchase Insurance on the Exchanges.

• Due to Tax Credits and up-front assistance, Americans making less than 400% of the Federal Poverty Level (roughly $88k for a family of 4) could see up to a 60% reduction in the cost of health insurance premiums.

• Uninsured Americans cost the American healthcare system an additional $49 billion each year. Only 12% of uninsured families pay their hospital bills in full, this includes families making over $88k a year. These costs affect the rising cost of insurance premiums; ObamaCare helps to reduce this spending drastically by eliminating dollar limits.

• The cost of insurance premiums must be 8% or less of your modified adjusted gross income, when insurance goes on sale via the health insurance exchanges in 2014, to be considered affordable.

• ObamaCare allows newly insured Americans to choose any available participating primary care provider, OB-GYN, or pediatrician in their health plan’s network, or emergency care outside of the plan’s network, without a referral.

• ObamaCare prevents insurance companies from limiting the number of benefits a customer can receive in their lifetime.

• Members of Congress will purchase their health care through the health exchange like the rest of us (who chose not to opt-out and pay a tax, are covered by Medicaid or choose to stay on their existing insurance) Get more facts about theObamaCare Insurance Exchange.

• In 2011, ObamaCare helped around 86 million Americans use free preventive services that had previously been subject to co-pays or deductibles.

• ObamaCare aims to improve community health care centers in an effort improve health care for those who cannot afford private health care.

• ObamaCare doesn't increase the deficit. It is projected to cut the deficit by over a trillion dollars over the next two decades.

• ObamaCare offers countless benefits and protections that have been rolling out since 2010 and continue into 2022. Find out more about the Benefits of ObamaCare.

• In 2013, American employers with 25 or less full-time employees may receive tax breaks of up to 35% (25% non-profits) of the cost of their employees' insurance premiums. In 2014, it increases to 50% (35%).

• Employers with more than 50 full-time equivalent employees must insure their full-time workers or pay a tax (like the current state run unemployment and workers compensation programs).

• ObamaCare won't cause 650,000 jobs to be lost as some of its detractors say (the number isn't even in the CBO report on The Affordable Care Act). The often misrepresented quote stated that part of the job loss ObamaCare creates is from employees who cut back their hours, since they will no longer have to rely solely on their jobs for their family's health care. In fact, ObamaCare's effect on job growth in Government jobs and Health Care rivals job loss in other markets.

• Although ObamaCare hasn't resulted in job loss, the "employer mandate" has resulted in a number of full-time workers at large firms having their hours cut back to part time in order for employers to avoid providing their full-timers with health insurance. On the same note, many larger firms have moved workers from part-time to full-time to provide them will benefits.

• If an you or your family chooses not to purchase healthcare through the Online Health Insurance Exchange, they can still buy private insurance, get insurance through their employer, Medicare, or Medicaid. Those who chose to not purchase insurance will pay an income "penalty" tax to help cover the rest of us. In other words, it is a tax, not a mandate; no one is actually forcing you to have health insurance.

• Obamacare cuts $716 billion of waste from Medicare and reimbursements to private Medicare Advantage plans and reinvests it into Obama's health care reform. In other words $716 billion is saved and then $716 billion is reinvested back into ObamaCare and Medicare. Doctors and hospitals almost universally agree on this reform.

• 19 million Americans making under 400% of the Federal Poverty Level are estimated to receive tax credits to help pay for the cost of health insurance premiums.

• ObamaCare reduces costs of premiums to millions of families and small businesses and provides billions dollars in tax relief.

• The healthcare industry, specifically doctors, will be rewarded for quality over quantity.

• The Affordable Care Act allows religious institutions to choose to be exempt from providing controversial contraception and reproductive health services to women. Multiple businesses have also received an exemption after taking the ruling to court.

• Although some businesses have won injunctions allowing them to avoid the "contraception mandate", there have been a number who have lost their cases including Hobby Lobby.

• The Affordable Health Care Act doesn't just focus on insurance, it also reforms the parts of the healthcare system that aren't working, or are costing the tax payer money. For example, by focusing on preventive measures instead of just treatment, ObamaCare will save tens of billions of dollars and tens of thousands of lives.

• The ObamaCare fact is the average American will save money under ObamaCare. In fact, many Americans are already paying less for health care services.

• ObamaCare cuts the national deficit by over two hundred billion dollars during its first 10 years.

• ObamaCare aims to make it easier for small businesses to provide coverage to workers by offering Tax Credits to employers who enroll their workers in private healthcare plans.

• The Affordable Care Act (ObamaCare) is more than just a website. The ACA contains over a thousand pages of provisions that increase the affordability, quality, and availability of health insurance through consumer protections, regulations, subsidies, taxes, exchanges, reforms, and the expansion of Government programs.

MOST IMPORTANTLY: ObamaCare "the law of the land". There are many people who would like to see ObamaCare repealed. If ObamaCare is repealed, tens of millions of Americans will be without proper health coverage, and insurance companies will continue to be able to deny coverage for pre-existing conditions. Without healthcare reform America will continue to suffer the consequences of a health care system controlled by private for-profit companies, whose bottom line is money and not health. Help ObamaCare Facts to spread the truth about President Obama's health care reform.

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Opinions

  • Z 2013/12/25 03:13:37
    Yes. I know all I need to know.
    Z
    I'm sure a website devoted toward making Obamacare look like a decent law is such an unbiased source.
  • Luca Z 2013/12/25 14:09:56
    Luca
    they were funded by the HHS. It IS a good website inasmuch the information there is factual. What is NOT factual is it does not discuss any of the negatives. It is basically a 'public information' overview that highlights the benefits, costs, and some basic procedural stuff as it pertains to subsidy, time-lines, etc. (and then, once they got funded by HHS, they add the Conservative bashing sections), and everything form the Cadeceus down that says FACT is pretty much bullsh*t.... a highly perverted distortion of truth, coupled with out-right lies.
  • ProVega Z 2013/12/27 03:45:04
    ProVega
    Biased, maybe, but truthful.
  • Luca 2013/12/25 01:34:55 (edited)
    Yes. I know all I need to know.
    Luca
    +1
    They are totally biased. They are facts,granted, but they do not reveal one single negative aspect of the Bill, the Regulations, or their consequences. A presentation of only the positive facts IS BIASED

    This is an HHS Liberal funded "obamacarefacts" website. I have read that entire website from cover-to-cover..(many times). MOST everything within that website is accurate...HOWEVER...

    What Liberals do not want to consider or look at are any of the negatives or even possible negatives. You, and others like you, will do whatever it takes to continue to look at things thru rose tinted glasses, seeking only to to garner affirmation for your 'hero-worship'

    IN fact, the lack of critical thought is absolutely appalling...starting right from buying into the horsesh*t that there were 47 million uninsured (without bothering to ask WHO or WHY). It is mathematically impossible.

    The narrative INITIALLY started out saying "there are 13 million uninsured....then it went to 22 million, then it went to 27 million, then it went to 30 million, then jumped to 42 million, then finally settled upon 47 million. Simple math could prove the last number is utter bullsh*t. Further, within this entire narrative no one was saying WHO were the uninsured or WHY they were uninsured. When you reduced tha...





















    They are totally biased. They are facts,granted, but they do not reveal one single negative aspect of the Bill, the Regulations, or their consequences. A presentation of only the positive facts IS BIASED

    This is an HHS Liberal funded "obamacarefacts" website. I have read that entire website from cover-to-cover..(many times). MOST everything within that website is accurate...HOWEVER...

    What Liberals do not want to consider or look at are any of the negatives or even possible negatives. You, and others like you, will do whatever it takes to continue to look at things thru rose tinted glasses, seeking only to to garner affirmation for your 'hero-worship'

    IN fact, the lack of critical thought is absolutely appalling...starting right from buying into the horsesh*t that there were 47 million uninsured (without bothering to ask WHO or WHY). It is mathematically impossible.

    The narrative INITIALLY started out saying "there are 13 million uninsured....then it went to 22 million, then it went to 27 million, then it went to 30 million, then jumped to 42 million, then finally settled upon 47 million. Simple math could prove the last number is utter bullsh*t. Further, within this entire narrative no one was saying WHO were the uninsured or WHY they were uninsured. When you reduced that down to REAL numbers, there were 7 million people that actually fell thru the cracks and needed assistance. Here are some examples to get STARTED in discerning the FACTS:

    (a) There are 197,000,000 employees in this country
    (b) There are 59,000,000 on Medicaid
    (c) There are 50,000,000 on Medicare
    (d) There are 12,000,000 covered with Disability Insurance
    (e) There are 69,000,000 people less than the age of 18
    (f) There are 23,000,000 Veterans covered by the VA
    (g) There are 18 million Union Workers
    (h) There are 19 million State and Federal employees

    http://familiesusa.org/issues...
    http://quickfacts.census.gov/...
    http://kff.org/medicare/state...
    http://www.va.gov/vetdata/doc...

    With MINIMAL effort it is easy to ascertain that there is NO POSSIBLE way that 47 million are uninsured with no way to get insurance. Just these numbers above combined, exceed the entire population (because there are many with disabilities or over 65 that still work)

    Obamacare has not reduced either the price of insurance, nor the price of healthcare. Costs per days in hospitals will actually go UP. Cost for Procedures will go UP. Again, I am not going to bother even trying to explain the inner workings of medicine to you, simple LOGIC could explain it. There are currently 2.8 hospital beds per 1,000 people in this country. IF we have just added 47 million people, that number just became 1.7 beds/1,000. Scarcity drives up price. But it is even going to be worse...MUCH worse. Major Medical Centers are not even available to ACA patients. Further, the ACA has banned any new Doctor owned hospitals. Most of those "community" hospitals are Doctor owned. There will be no new ones. Not allowed.

    And again, it does not take a genius to figure out that with only so many hours in the day to see patients, time spent with patients has to decrease (or wait times to get in must vastly increase), and the quality of care will diminish accordingly. Then, when you consider that the CBO predicts a physician shortage of 130,000 by 2020, that problem will only be further exacerbated. One such way to assuage this problem is: "Grant program to train nurse practitioners as primary care providers (Section 10501(e), p. 2332)". Nurses, regardless how well trained, are still not Doctors. So rather than having first-tier level of care, you will be handed down to a lowered tier level of primary care.

    Half a Truth is No Truth at All. Rather then spending time regurgitating all the heralded positive affects...ANY critical thinking person would be looking to discover if there are any negative consequences. Then, and only then, are you in a position to evaluate if the positives outweigh the negatives. This strictly partisan posts from strictly partisan websites convey NOTHING. (although at LEAST someone can learn some basic information from obamacarefacts to give them a smattering of knowledge about what is going on...so in that sense, it IS an excellent starting point)
    (more)
  • ProVega Luca 2013/12/25 02:02:43 (edited)
    ProVega
    I think thou protests too boldly. Where is your list of negatives?

    I will be the first to admit I don't understand all the ins and outs of the ACA. I also don't understand all the ins and outs of my body. I rely on the advice of someone I trust. For me it comes down to who do I trust our President or the insurance companies who put profit before all.
  • Luca ProVega 2013/12/25 02:09:30
    Luca
    nope. I just know my stuff...the good and bad about Obamacare. You only seek to learn about the good. You only read about the good. You only talk about the good. I think YOU try to hard to leave safely in the womb of ignorance, where you hope to be coddled and nurtured.
  • ProVega Luca 2013/12/25 02:14:15
    ProVega
    Educate me. Do it in plain simple words.
  • Luca ProVega 2013/12/25 02:16:47
    Luca
    I have made numerous posts. here is a "beginners" one

    http://www.sodahead.com/unite...
  • ProVega Luca 2013/12/25 02:29:07
    ProVega
    Who is paying you for all this effort? Or, are you just saving America?
  • Luca ProVega 2013/12/25 02:36:13
    Luca
    +1
    dont be a smart ass...who is paying you for YOURS? Trying to insult me does not mean you have learned anything. Like your post here...it merely suggests you don't wish to take off rose-tinted glasses and face any possible facts that could debunk the myth of the Divinity you seek to affirm. Avoid negating influences at all costs. The "bury my head in the sand syndrome" on steroids. NOt only do you wish to remain ignorant to the other half of the equation...you will defend the half you wish to cling to at all costs. I had given you the benefit of the doubt that you might be intelligent. I was wrong.
  • ProVega Luca 2013/12/27 03:49:27 (edited)
    ProVega
    Sorry if I came off as smart ass. It seems to me you are putting a lot of effort into this and I am a bit suspicious of your motives.

    I'll agree no system is perfect. The ACA debate has turned into a war. Lots of nasty words are being tossed back and fourth.

    When something gets as confusing and comprehensive as this issue I look to see who the backers are. On one side I see Insurance companies, large medical organizations and wealthy doctors. On the other side I see the President of our United States. I pick ACA.
  • Luca ProVega 2013/12/25 02:19:21
    Luca
    +1
    then in response to someone raving about the NHS...again, they spew only one side of the equation...my response to her was:

    "You are touting how wonderful NHS is. Well the NHS has a board similar to the PCORI that is now being incorporated into 'Obamacare", called NICE. (National Institute for Health and Care Excellence).

    Dr. Berwick (newly Obama appointed head of the CMS) has expressed lavish praise for NICE and its restrictions on care. In a 2009 interview with Biotechnology Health Care, he said NICE has “developed very good and very disciplined, scientifically grounded, policy-connected models for the evaluation of medical treatments from which we ought to learn.”

    NICE employs a complicated mathematical formula to limit care based on a “quality adjusted life year.” In general, Britain won’t spend more than $22,000 to prolong life by six months. This figure has stayed relatively constant and does not take into account medical or overall inflation.

    Under NICE, desperate patients requiring badly needed cancer drugs encounter an incredibly difficult time obtaining these expensive life-prolonging medicines. NICE recently rejected Vidaza for bone marrow malignancies, Tyverb for breast cancer, and the multi-cancer drug Avastin. Sutent, a treatment for advanced renal cancer, was o...











    then in response to someone raving about the NHS...again, they spew only one side of the equation...my response to her was:

    "You are touting how wonderful NHS is. Well the NHS has a board similar to the PCORI that is now being incorporated into 'Obamacare", called NICE. (National Institute for Health and Care Excellence).

    Dr. Berwick (newly Obama appointed head of the CMS) has expressed lavish praise for NICE and its restrictions on care. In a 2009 interview with Biotechnology Health Care, he said NICE has “developed very good and very disciplined, scientifically grounded, policy-connected models for the evaluation of medical treatments from which we ought to learn.”

    NICE employs a complicated mathematical formula to limit care based on a “quality adjusted life year.” In general, Britain won’t spend more than $22,000 to prolong life by six months. This figure has stayed relatively constant and does not take into account medical or overall inflation.

    Under NICE, desperate patients requiring badly needed cancer drugs encounter an incredibly difficult time obtaining these expensive life-prolonging medicines. NICE recently rejected Vidaza for bone marrow malignancies, Tyverb for breast cancer, and the multi-cancer drug Avastin. Sutent, a treatment for advanced renal cancer, was only approved after doctors publicly rallied on its behalf.

    NICE rations other types of medicines as well. In 2007, NICE limited the use of two medications for macular degeneration. It completely blocked Macugen, while the drug Lucentis was approved, but restricted to approximately 20 percent of patients with macular degeneration. Even then it was limited to use in only one eye. (that's bloody bad news, eh Matey?)

    Pirate

    NICE has limited the commonly used Alzheimer’s drug, Aricept, in the early stages of the illness. NICE has maintained its ruling that early stage treatment is not “cost effective,” despite pleas from doctors that treatment should begin as early as possible to slow disease progression. NICE has also imposed limitations on fertility treatment, back surgery, and steroid injections.

    When NICE recently rejected the drug Avastin in combination with chemotherapy for metastatic colorectal cancer, NICE Chief Executive Andrew Dillon said, “We are disappointed not to be able to recommend bevacizumab as well but we have to be confident that the benefits justify the considerable cost of this drug.” In this system, access to medication is not decided by patient desires or the professional opinion of doctors, but rather by government decree. The government bases its decisions largely on cost.

    These government-mandated restrictions lead to poor patient care. For example, the United States boasts a five-year survival rate for breast cancer and prostate cancer, significantly higher than that of England. In the United States, the survival rates for breast cancer and prostate cancer are 83.9 percent and 91.9 percent, respectively, compared to 69.7 percent and 51.1 percent for England.

    NICE has indeed managed to suppress costs. Yet its methodology that ignores choice and individual predilection would warrant concern from most Americans, however, not from Dr. Donald Berwick. In fact, he has also said, “The decision is not whether or not we will ration care — the decision is whether we will ration with our eyes open.”
    (more)
  • Luca ProVega 2013/12/25 02:27:47 (edited)
    Luca
    Just a suggestion...but if you want some UNBIASED understanding of the PPACA, I would suggest reading various various Medical websites (not Doctors posting on Daily Kos)..but unaffiliated medical websites (excluding the AMA, of which only 17% of the doctors are registered with, and whom is part of the Rockefeller empire and "political" in nature. Read what Doctors say...not organizations.

    People seem to be distracted with everything that does NOT count. The ONLY thing that really counts is what affect is this going to have on YOUR health CARE? That's the question! It is the only valid question. Because when or if you get diagnosed with cancer (as an example), are you going to be lying there and thinking..."well, although my healthcare treatment options suck and I will probably die...I am sure glad that Treetop and Marshmallow; who never had any insurance before; can at least drag their fat assed Twinkie stuffing diabetic family into the doctor any time they want" You seem rather intelligent...so use that intellect to cast a discriminating eye of discernment.
  • JCD aka... Luca 2013/12/25 11:18:02
    JCD aka "biz"
    Why should the cost of health care go up? Countries with universal health care - Western Europe, Canada, Australia, Israel etc. spend a lot less on health care than America (6-12% of thier GDP, vs. 18+%). Why do US conservatives want to waste SO much money?
  • Luca JCD aka... 2013/12/25 13:05:21
    Luca
    should? Not a matter of should...the way this is structured it will force prices higher. And that is going to be the bane of it.
  • Luca JCD aka... 2013/12/25 14:47:33 (edited)
    Luca
    Here is 59 pages that explain why: http://www.gao.gov/assets/660...

    Even that is a limited analysis, you really need to pull the information from also CMS, CBO, and JCT...but in a nutshell:

    1. Decreased patient time requiring increased testing
    2. Decreased time also requiring more expensive testing
    3. Shortage of hospital beds (enrollment as projected will reduce availability from 2.8 beds/1000 people to 1.7, and that is not taking into account that all the MAJOR research hospitals have decided not to participate, Mayo Clinic, John Hopkins, Cedars Sinai, etc).
    4. Ban against any more doctor's building hospitals. That means no more newly constructed "community hospitals".

    But it is funny how liberals cannot even remember their own talking points, or connect the dots. It was the LIberals screaming that "those uninsured people are clogging up the Emergency Rooms as their primary care and driving costs up...etc etc". Any healthcare professional would validate that this is true. What they are really saying is: "those that get something for nothing abuse the system." I have many Doctor friends and associates that work at County/State Facilities...you have NO IDEA just how abusive the freeloaders are. They come into the hospital as if it were their only form of entertainmen...









    Here is 59 pages that explain why: http://www.gao.gov/assets/660...

    Even that is a limited analysis, you really need to pull the information from also CMS, CBO, and JCT...but in a nutshell:

    1. Decreased patient time requiring increased testing
    2. Decreased time also requiring more expensive testing
    3. Shortage of hospital beds (enrollment as projected will reduce availability from 2.8 beds/1000 people to 1.7, and that is not taking into account that all the MAJOR research hospitals have decided not to participate, Mayo Clinic, John Hopkins, Cedars Sinai, etc).
    4. Ban against any more doctor's building hospitals. That means no more newly constructed "community hospitals".

    But it is funny how liberals cannot even remember their own talking points, or connect the dots. It was the LIberals screaming that "those uninsured people are clogging up the Emergency Rooms as their primary care and driving costs up...etc etc". Any healthcare professional would validate that this is true. What they are really saying is: "those that get something for nothing abuse the system." I have many Doctor friends and associates that work at County/State Facilities...you have NO IDEA just how abusive the freeloaders are. They come into the hospital as if it were their only form of entertainment. Now we are going to be subsidizing 40% of the population whom have already shown (and whom have already been commented on by the Liberals) how they ABUSE the system.

    This Bill, once analyzed away from all the glowing rhetoric and ideology, is a TRAIN WRECK. It is one massive contradiction with many gaping ill-conceived holes. The latest scoring from the CBO has not yet come out...but already this original $900 billion Bill has jumped to 1.7 trillion.

    The bottom line (that i keep repeating over and over to people)...is stop worrying about OTHER PEOPLE...and discover what it will do to YOUR costs, and most importantly, to YOUR healthcare. If you are Liberal, you will read all the things that give you the affirmation you seek. If one is Conservative, the seek out all the information that affirms their paradigm. And then 2 people with opposite HALVES of the picture argue incessantly about...and MOST only have that half view...so essentially are uninformed. Yet, all anyone should really be ultimately concerned about is their own personal healthcare. That is going to suffer GREATLY--and further, it will have no choice but to be even MORE rationed as time goes on than what the first draft of the PPACA has already done. (and people don't seem to know a damn thing about THAT either).

    I find it curious that Liberals that were screaming "down with Big Insurance...down with Big Pharma" are so enthustiastically supporting a Bill that does nothing but greatly rewards big insurance and big pharma...not only are they going to be making HUGE profits (which is why their stocks shot up thru the roof on Oct 1st), they are going to be making it at YOUR expense. They wrote this Bill! Not only are they going to be makig much greater profits, the "risk corridors" within the PPACA underwrite and guarantee their profits! In other words, OUR money is going to be taken to make sure THEIR profits remain intact. Also, isn't it ironic that there was no Tort Reform? The lawyers are licking their chops..because of the way the PPACA Is structured, limiting treatment protocols, load-bearing stresses placed on doctors and hospitals..the diminished quality of care is going to be a Lawyers heaven. Not one thing was done to stave off their "buddies" though...was it? It is appalling to me how people refuse to even see or question the obvious.

    Look at ANY "Obamacare Plan" and you will notice something 'peculiar'. ALthough you have to pay more for name-brand drugs ($19 co-pay on most cheaper Bronze Plans) versus $13 for Generic drugs...the Generic Drugs do NOT apply to your deductible. So, for the $6 extra dollars, people are going to want to reduce that $5,000 deductible any chance they get...huh? Clever? Huh?

    There is 34,000 pages of "clever" sh*t in the PPACA...way beyond this mundane and banal talking points. As I suggested to Vega...stop reading what partisan organizations have to say...and start learning what Doctors have to say. IN the final analysis, that is ALL that is going to be important to YOU.
    (more)
  • JCD aka "biz" 2013/12/25 01:28:04
    No. Thanks for the Info.
    JCD aka "biz"
    +1
    Thanks for the info, and the useful links.
  • flaca BN-0 2013/12/25 01:26:15
    Yes. I know all I need to know.
    flaca BN-0
    +1
    The CBO says it will save money in the longrun. That's all I need to know.
  • Luca flaca BN-0 2013/12/25 01:28:09
    Luca
    no it doesn't.
  • flaca BN-0 Luca 2013/12/25 01:32:34
    flaca BN-0
    yet the republicans have sworn by the CBO in the past. Are they that venal that they don't support them when their findings aren't what they want?
  • Luca flaca BN-0 2013/12/25 01:46:01 (edited)
    Luca
    All I am saying is that the CBO has not said it will save money...in fact they have revised their projections on how much more over-budget it is actually going to cost. I did not discount their findings...i am just correcting the record..because you are mistaken
  • ProVega Luca 2013/12/25 02:01:37
    ProVega
    Where is your proof?
  • Luca ProVega 2013/12/25 02:10:15
    Luca
    is it that hard for you to look up the CBO...go find it..you seem to be good at copying the obamcarefacts website.

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