Category Archives: Uncategorized

‘Substandard plans’ Mr. President? Here is proof that you are lying once again.

After President Obama was forced to finally admit that he was not telling the truth when he promised repeatedly “if you like your plan, you can keep your plan. No one will take it away from you, period.” The latest ‘spin’ from the president  is “most people can keep their plans and those who lose them will be getting a better plan for a lower price to replace the substandard plan they have now” from the ‘old market‘. A market that HHS secretary Kathleen Sebelius referred to as ‘The Wild West‘. As if the current individual and family market is some wild unregulated market where consumers can be abused by unscrupulous carriers offering ‘skinny‘ or ‘shoddy‘ plans. Nothing could be further from the truth. The evidence below will prove that the president is lying to the American people once again.

Below I will link actual policy termination letters from four of my existing clients who hold individual health insurance policies from Blue Cross Blue Shield of Illinois. The last names and policy numbers have been redacted in order to protect the privacy of these clients per 1996 HIPAA law.

Click here to download Stephen’s Obamacare termination letter.
Click here to download Robert’s Obamacare termination letter.
Click here to download Kathleen’s Obamacare termination letter.
Click here to download Michael’s Obamacare termination letter.

When you review their current health insurance policy outlines of coverage. Tell me, do these plans look like ‘unregulated plans‘ from a market similar to the ‘Wild West‘? Are these ‘skinny’ plans or ‘substandard plans’?

Please note that each of these policies offer 100% coverage for in network covered charges after an aggregate ‘common family’ deductible has been satisfied. The size of each of their family deductibles is listed in their current outlines of coverage, also included in each PDF document.

Worse yet, these health plans that are being canceled now are NON “Grandfathered” plans. These are health plans that have nothing to do with the “Grandfathered clause” that the president says he included in Obamacare which would allow people to ‘keep their plans’ if they were purchased before Obamacare was passed on March 23, 2010. These plans were purchased after March 23, 2010. In other words, NON “Grandfathered” plans. These are plans that HHS required insurers to redesign as of 9/23/2010 and then sell to consumers under Obamacare. These plans already include 9 out of the 10 ‘Essential Health Benefits‘ including the policy design changes listed below that were mandated as of 9/23/10. This means they are NOT substandard plans and they are also not ‘grandfathered’ plans.

Coverage of Children
If a policy makes available dependent coverage of children, the policy will make such coverage available for your children who have not attained age 26 regardless of the presence or absence of the child’s financial dependency, residency, student status, employment, or any combination of those factors. In addition, the policy will not deny or restrict coverage of such children based on eligibility for other coverage.

Rescissions
Coverage under the policy, with respect to an individual, will be canceled retroactive to the effective date of coverage if the individual (or a person seeking coverage on behalf of the individual) performs an act, practice or omission that constitutes fraud, or makes an intentional misrepresentation of a material fact, as prohibited by the terms of coverage. At least 30 days advance written notice will be provided before any such cancellation.

Lifetime Maximums
Benefits that are considered essential benefits (as that term is defined in the Affordable Care Act and applicable regulations) will not be subject to any lifetime limit on the dollar value of such benefits for any individual.

Preexisting Condition Waiting Period
A preexisting condition waiting period will not apply to enrollees who are under 19 years of age.

Annual Benefit Maximums
Although under the Affordable Care Act a restricted annual limit on the dollar value of essential health benefits (as that term is defined in the Affordable Care Act and applicable regulations) may be applied prior to 2014, benefits under this policy that are considered essential health benefits will not be subject to any annual limit on the dollar value of such benefits for any individual.

These are plans that were designed by HHS and HHS is now requiring insurers to cancel these plans in order to force these policyholders to pay higher premiums in order to subsidize the high cost of Obamacare. Besides all of these changes that HHS required insurers to redesign as of 9/23/2010, the following 65 ‘free’ preventative care tests & exams were also mandated under Obamacare to be added to all plans as of 9/23/10.

Please also note that in every case, the PPACA compliant ‘replacement plans’ offered to these clients are priced higher and in most cases much higher than what they are paying now. However, they’re not just priced higher, they expose these clients to a much higher out of pocket risk each year. Up to $12,700 for a couple and a family. Below are the outlines of coverage for each PPACA compliant alternative plan offered to these clients:

The Blue PPO Bronze 005. Click here to view the outline of coverage.
The Blue Bronze PPO 006. Click here to view the outline of coverage.
The Blue Choice Silver PPO 003. Click here to view the outline of coverage.

The Blue Choice Bronze PPO 005.
 Click here to view the outline of coverage.

The Blue Choice Bronze PPO 006. Click here to view the outline of coverage.

Lastly, regarding president Obama’s other statement that the ‘old market’ was a largely “unregulated market” where consumers could be taken advantage of by the ‘big insurance companies‘. Whilst there were a few bad players in the market before the PPACA was passed, the health insurance market was highly regulated. In fact, you can click here to see how Blue Cross’s HSA qualified plan (the same plan the aforementioned clients hold today) was designed long before the PPACA was signed into law. Tell me does that policy, designed in 2009 look like a ‘skinny’, ‘substandard’ plan? Once again, the president’s rhetoric does not match the facts. Then again, has it ever?

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ATTENTION Main Stream Media. Regarding Obamacare. I TOLD YOU SO!

Back on August 3rd, 2013 I wrote a piece exposing what I stated then will soon happen to millions of Americans if we do not support the Tea Party and Republican lead effort to defund Obamacare. In that piece, I stated when President Obama promised – “If you like your plan, you can keep your plan and no one will take it away from you, period” he was not telling the truth. Watch President Obama make this false promise below:

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Below I will link to some real world examples of what is beginning to happen because the Obamacare “Health Insurance Exchange Marketplaces” opened on 10/1/13 and were funded (once again) by Republicans in the most recent Continuing Resolution on the evening of October 16, 2013.

Below I will link actual policy termination letters from four of my existing clients who hold individual health insurance policies from Blue Cross Blue Shield of Illinois. The last names and policy numbers have been redacted in order to protect the privacy of these clients per 1996 HIPAA law.

Click here to download Stephen’s Obamacare termination letter.
Click here to download Robert’s Obamacare termination letter.
Click here to download Kathleen’s Obamacare termination letter.
Click here to download Michael’s Obamacare termination letter.

Please also note that in every case, the PPACA compliant ‘replacement plans’ offered to these clients are priced higher and in most cases much higher than what they are paying now. However, they’re not just priced higher, they expose these clients to a much higher out of pocket risk each year. Up to $12,700 for a couple and a family. Below are the outlines of coverage for each PPACA compliant alternative plan offered to these clients:

The Blue PPO Bronze 005. Click here to view the outline of coverage.
The Blue Bronze PPO 006. Click here to view the outline of coverage.
The Blue Choice Silver PPO 003. Click here to view the outline of coverage.

The Blue Choice Bronze PPO 005.
 Click here to view the outline of coverage.

The Blue Choice Bronze PPO 006. Click here to view the outline of coverage.

Notice the out of pocket costs with each of those plans? Every one of them has a higher out of pocket risk to this client than the risk his family assumes now and all of them are more expensive than what he pays now. With the exception of the “Bronze PPO 006″ plan which more than DOUBLES his family’s out of pocket risk exposure on his current “HSA 100%” plan.

Secondly, here is a sample copy of a letter that my Humana individual and family policy holders are now receiving. They too are now being forced into the Obamacare exchanges either on 12/31/2013 or on 12/31/2014 depending on when they purchased their health plan.  Notice that this client’s Obamacare replacement plan will triple his premium.

Thirdly, here is a sample copy of a letter that my Aetna clients are already receiving. These clients are now losing their individual and family health insurance plans. They too will be forced into an Obamacare compliant plan as of 12/30/2013 or 12/31/2014 where the cheapest – “Bronze” plan – will expose a couple or a family to a $12,700 out of pocket risk exposure each year for in network covered charges.

Fourthly, about a month after I penned my original piece on August 3rd, other Blue Cross associations all over the country began sending our their policy termination letters. You can see the Independence Blue Cross policy termination letter if you click here.

Click here to read another policy termination notice and Obamacare compliant replacement letter from Regence Blue Shield of Nebraska. Pay particular attention to $12,700 annual out of pocket expense risk that this family will now face when they are forced to switch to an Obamacare compliant “Bronze” plan on 12/30/2013. Notice that their premium doubled as well.

One thing you can be sure of, all Individual and Family health plans sold in Illinois by Blue Cross Blue Shield, Humana and Aetna after March 23, 2010 a.k.a. ‘non-Grandfathered’ plans will be terminated and replaced with an Obamacare compliant plan either by 12/31/2013 or by 12/31/2014 depending on when you purchased the plan. Also, since the aforementioned June of 2010 ruling was a federal ruling, this will be the case for any carrier who offers plans inside the exchanges in all other states as well.

Millions of individual and family health insurance plans have already been terminated and 16 million more Americans will soon lose their individual health insurance plans because of Obamacare.

CBS: A charter member of the Main Stream Media finally reports on 2 million Americans who have already lost their health plans:

CBS: They finally report on the true cost of Obamacare approved health insurance:

CBS News: Also reporting on hundreds of thousands losing their health insurance plans because of Obamacare:

CBS News: “Obamacare resulting in dropped coverage and higher premiums.

NBC News: Consumers facing sticker shock and policy cancellation notices due to Obamacare.

Kaiser Health News: Thousand of consumers getting insurance cancellation notices due to health law changes.

NBC News: Thousands getting health insurance cancellation notices.

NBC News: Half a million Californians losing their health insurance plans because they don’t comply with Obamacare.

The worst part about all of this is that NBC News is now reporting that President Obama knew, as early as July of 2010 that millions of Americans would lose their health insurance plans because of his health care law:

Below is a photocopy of a page of the federal register that proves that the Obama administration knew in 2010 that millions of Americans would lose their Individual & Employer Sponsored health insurance plans because of Obamacare. This regulation was written on purpose so that millions of existing policy holders would be forced to purchase health insurance inside the exchanges instead. The forced addition of millions of these policyholders – all who were assured by president Obama that they could ‘keep their plan‘ – will lower the cost or further subsidize the high cost of insuring sick people who will most certainly be purchasing subsidized health insurance inside the exchanges. In other words this was a deliberate action taken by HHS and a direct violation of the president’s promise.

Proof

President Obama is also falsely referring to these canceled plans as “substandard plans” from the ‘old market’. Nothing could be further from the truth. These plans were designed in large part by his health care law. All individual plans sold since 9/23/2010 already include 8 out of the 10 “Essential Health Benefits” that he states must be “added’ in January of 2014 in order to make them ‘better’. In fact, my clients who selected Maternity coverage with Blue Cross Blue Shield of Illinois already have 9 out of the 10 “Essential Health Benefits”. Yet the President’s health care law requires that these plans must also be terminated and replaced with even more expensive plans in 2014. The evidence in this post prove that these plans are far from ‘substandard’ plans from the ‘old market’.

Remember, president Obama also promised rates would go down by $2,500? Watch him make that promise here:

San Jose Mercury News: Two time Obama voters shocked to receive policy cancellation notices and massive premium increases.

You can run your own Obamacare compliant rates by clicking on my Blue Cross Blue Shield of Illinois quote engine below:

If you’re not in Illinois, you can run your own Obamacare approved rates using my Humana quote engine here:

Please note: There is one major difference between my online quote engines and the “Health Insurance Exchange Marketplace” at HealthCare.gov. Mine actually work!

Months after I penned that original article – on August 3, 2013 – a flagship member of the main stream media – NBC – finally confirmed in their article entitled  Thousands get health insurance cancellation notices“ that I was indeed speaking the truth and not a ‘fear-mongerer’, ‘racist’ or ‘liar’ as I have been labeled repeatedly by our ‘friends on the Left’ since writing that piece.

Several days before NBC finally confirmed I was right. A newspaper in California detailed the anger and frustration by two time Obama voters who were also losing their health plans and facing an increase in their family premium of $10,000 a year. You can read that California newspaper clip if you click here.

Oh and it’s not just individual and family policy holders who are losing their health insurance policies because of Obamacare. It’s employer sponsored group policy holders as well. Click here to see a copy of the California Farm Bureau Federation group policy termination letter sent to their insured members. The CBO is predicting that 14.5 million Americans will lose their health plans after 2014. I disagree. I am predicting more than 40 million Americans will lose their employer sponsored health insurance plans. I discussed why for the Fox Business television network. View the video on the Fox Business web site by clicking here:

Worse yet, those whom we count on to provide us with the care we need are also losing their health insurance plans because of Obamacare. Here is a letter that doctors and dentists in Illinois received all over the state. They too will be losing their health insurance plan as of 12/31/2013.

All of these policy holders are being forced to forfeit their existing plans and agree to accept an Obamacare compliant plan (along with the premium increases required) by December 31, 2013 or December 30, 2014 depending on when you purchase your plan. I discussed this for the Fox Business television network on 09/30/2013 the day before the Obamacare “Health Insurance Exchange Marketplace” opened.

Why is this happening now?

I will use the state of Illinois as an example. Governor Quinn had originally expected 16 health insurance carriers to offer products within the Illinois Obamacare exchange. Only 6 carriers have chosen to sell plans within the exchange. They are as follows:

Humana
Blue Cross Blue Shield of Illinois
Aetna
Coventry
Land of Lincoln Health
The Carle Foundation, a nonprofit hospital network based in Urbana

Since these carriers have chosen the option to offer a “Medal” (Bronze, Silver, Gold or Platinum) product within the exchange, individual/family health insurance plans that they have already sold in 2010, 2011, 2012 and 2013 must be terminated and replaced with a plan that conforms to the design of the “Medal” plans sold inside the exchanges. Either on 12/31/2013 or 12/31/2014 depending on when the plan was purchased. These new replacement plans must include all 10 of the federally mandated “Essential Health Benefits” and they must conform in design to the deductible and other out of pocket expenses that will be included with the “Medal” plans sold inside the exchanges.

There are however two large insurance carriers that are staying out of the new Obamacare “Health Insurance Exchange Marketplace” in Illinois and most other states. Those carriers are United HealthOne and Assurant Health.

Although these two carriers must still adopt all 10 of the new federally mandated “Essential Health Benefits” and they must also offer guaranteed insurability (no preexisting conditions) to all applicants during ‘Open Enrollment” periods in 2014. The deductible and coinsurance arrangements that they offer to their clients can be different than the standard deductibles and coinsurance arrangements that will be offered in the exchanges until December 30, 2014.

This means that their prices will be inherently lower than the “Medal” plans sold inside the exchanges. And, the out of pocket expenses don’t have to be $12,700 out of pocket for a couple of a family as is the case with the cheapest “Bronze’ plan sold inside the Obamacare “Health Insurance Exchange Marketplace”. This is most especially true for individuals with MAGI – Modified Adjusted Gross Incomes – higher than 400% above the Federal Poverty Level. Those income levels would be anyone who makes less than the following income levels:

$46,960 for an individual
$62,040 for a couple
$78,120 for a family of three
$92,200 for a family of four
$110,280 for a family of five
$126,360 for a family of six

Those Americans will receive NO taxpayer funded ‘subsidy’ to artificially lower the high cost of the expensive Obamacare Qualified Health Plans that will be sold within the new ‘Health Insurance Exchange Marketplace”.

Because these two carriers are staying out of the Obamacare exchanges around the country. They are both able to make the following commitment to potential new policy holders. If you purchase a health insurance plan from either of these carriers prior to 2014 you will not lose or have to change that health plan and you will not receive a premium increase until December 30, 2014. You will also be able to design your own plan with your own deductible, your own co pay and other policy features that after 2014 will be designed by the federal government.

Watch United HealthOne make this promise here.

Run your own quotes from United HealthOne by clicking on their logo below:

http://www.a1insuranceaz.com/images/carriers/united-health-one.png

Run your own quotes from Assurant Health by clicking on their logo below:
It’s not just health plans that have been terminated. Health insurers have also been terminated.
It’s not just health plans that have been terminated. We’ve lost 13 carriers as well. In July of 2013 we lost the 13th individual health insurance carrier since Obamacare passed. See this insurance company’s exit letter here. The other individual health insurers who have pulled out of the individual health insurance market since the passage of Obamacare are as follows:

1.) American National
2.) American Republic > 35,000 people LOST their health plans when American Republic exited the market. Hundreds of jobs were lost as well.
3.) American Medical Security
4.) American Community Mutual
5.) Standard Life & Accident
6.) Principle Financial
7.) nHealth
8.) World Insurance
9.) Unicare
10.) Guarantee Trust Life < One of my clients in Naperville, Illinois who received that letter lost her plan during Breast Cancer treatment!
11.) Coventry
12.) Physicians Benefit Trust
13.) Independence Holding Group

Obamacare is creating a massive insurance monopoly. These smaller carriers that I used to be able to offer to my clients, the carriers with the good prices are now gone. They are being gobbled up by the larger carriers. We now have only a handful of health insurance carriers left in the country. Think about it, you know this. Look at the exchange plans and see if you can find more than 5 carriers who are offering plans.

Eliminating health insurance carriers and creating a taxpayer funded monopoly is not ‘competition’. It is a monopoly and nothing drives up prices like a monopoly. Period.

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Why Are Health Insurance Premiums Still Increasing After The PPACA?

The Obama administration and more specifically HHS Secretary Kathleen Sebellius is repeatedly stating that the reason 14 million health insurance policies are being terminated as of December 30, 2013 is because these policies are ‘skinny plans’ or plans that have large coverage ‘gaps’. She has also stated that the individual and family health insurance market is the ‘Wild West’. In other words a largely unregulated market where consumers can be taken advantage of by unscrupulous insurance companies offering plans that are unregulated and harmful. This could not be further from the truth. Below are the mandated coverage requirements that have already been placed in force upon all policies sold on the market since 9/23/2010 under the PPACA – Patient Protection and Affordable Care Act (Obamacare). In other words, these policies are already PPACA compliant. Yet it is these policies, sold after 9/23/2010 that are being canceled all over the country even though they are already PPACA compliant!

It is also because of the addition of all of the PPACA mandated policy changes listed below that premiums have increased so significantly (as Table 1 illustrates) since 9/23/2010. As you examine all of the mandated coverage parameters below, think for yourself, does this look like the “Wild West”? An unregulated market of limited benefit plans where consumers can be taken advantage of? In fact, it is far from it.

Source: http://www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare#.UmLMYB-ENzA

1) My Blue Cross Group clients have received policy renewal rate increases since the passage of the PPACA of up to 46% for the first time in 17 years. See just a few of them here. Their prior premium increases were nothing near this amount. This is not isolated to Blue Cross either. These premium increases are happening in many markets across the United States in both the Individual and Group health insurance markets because of all the PPACA mandated coverage parameters. Even though Barack Obama promised “my health care plan will save the average family $2,500 on their premium.”

And then their was this quote from Barack Obama: “It’s estimated that your employer’s premiums will fall by as much as 3,000% which means they could give you a raise.”

These premium increases are due to the fact that multiple new “Preventative Care” mandates were imposed upon all “non-grandfathered” health insurance plans as of 9/23/2010 under the PPACA (Patient Protection & Affordable Care Act). A “Non-grandfathered” health insurance plan is a plan that was purchased after the PPACA (a.k.a “Obamacare”) was signed in to law on March 23, 2010. It is 14 million of these individual and family policies that will be terminated before December 30, 2013 even though they are already ‘Obamacare compliant”. Keep in mind, that all of the charges below were mandated to be covered on all individual and family policies no later than 1/1/11 WITHOUT a co pay or DEDUCTIBLE. The entire list is as follows:

2.) Now for the policy “design” mandates. Including the requirement that all plans cover an unlimited lifetime maximum coverage amount for all insured members on policies sold after 9/23/10.
http://www.resourcebrokerage.com/BCBSupdates22510B/PPACAILInsuredNotification.pdf

3.) The recent inclusion of PPACA mandated “Essential Health Benefits” on group health plans. Among these are the following:

Starting on 1/1/14 all individual and family policies will also have to include the aforementioned 10 “Essential Health Benefits” under the PPACA. The majority of individual health plans on the market today already include 8 or even 9 out of the 10 ‘Essential Health Benefits’ that we are told they need and to not have so they have to be canceled in order not to be ‘substandard’ plans. They must also cover all preexisting conditions without proof of prior coverage. The truth is the vast majority of health insurance policies available on the individual and family market prior to the PPACA already included many of these “Essential Health Benefits”. But even for those that did not, the aforementioned facts prove that the individual and family health insurance market is far from what the Obama administration is falsely calling the “Wild West”. Both the Group and Individual and Family health insurance market has been the most regulated industry in America for decades before the PPACA was passed. It is even more regulated since 9/23/2010 and yet it these PPACA compliant individual and family policies that are being terminated on December 30, 2013. And, the plans that are being offered to these policy holders as a replacement are even more expensive according to main stream media outlets like:

CBS: A charter member of the Main Stream Media finally reports on 2 million Americans who have already lost their health plans:

CBS: They finally report on the true cost of Obamacare approved health insurance:

CBS News: Also reporting on hundreds of thousands losing their health insurance plans because of Obamacare:

CBS News: “Obamacare resulting in dropped coverage and higher premiums.

NBC News: Consumers facing sticker shock and policy cancellation notices due to Obamacare.

Kaiser Health News: Thousand of consumers getting insurance cancellation notices due to health law changes.

NBC News: Thousands getting health insurance cancellation notices.

NBC News: Half a million Californians losing their health insurance plans because they don’t comply with Obamacare.

Millions of individual and family health insurance plans have already been terminated and 16 million more Americans will soon lose their individual health insurance plans because of Obamacare.

The worst part about all of this is that NBC News is now reporting that President Obama knew, as early as July of 2010 that millions of Americans would lose their health insurance plans because of his health care law:

Below is a photocopy of a page of the federal register that proves that the Obama administration knew in 2010 that millions of Americans would lose their Individual & Employer Sponsored health insurance plans because of Obamacare. This regulation was written on purpose so that millions of existing policy holders would be forced to purchase health insurance inside the exchanges instead. The forced addition of millions of these policyholders – all who were assured by president Obama that they could ‘keep their plan‘ – will lower the cost or further subsidize the high cost of insuring sick people who will most certainly be purchasing subsidized health insurance inside the exchanges. In other words this was a deliberate action taken by HHS and a direct violation of the president’s promise.

Proof4.) The onerous PPACA mandated Medical Loss Ratios or “MLRs”. This is another reason why health insurance premiums are increasing on “Non-Grand-Fathered” health insurance plans – plans purchased after the passage of the PPACA. For full details on these I refer you to the following link from the Heritage Institute. http://www.heritage.org/Research/Reports/2010/01/Squeezing-out-Private-Health-Plans

This MLRs have left hundreds of thousands of American’s either uninsured or without the plan they had prior to the passage of the PPACA. Here is a sample letter that many of my clients received when Guarantee Trust Life insurance company ceased providing health insurance to my clients around the country in 2010.

This is exactly the opposite of what President Obama promised when he said in his speech to the AMA on June 15, 2009 “If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what.” Watch him repeat this lie over, and over again below:

Find out the names of the carriers that have left the industry since the passage of the PPACA as well as all the other damage done to the health insurance industry since the passage of the PPACA by reading the study completed by the Galen Institute on December 1, 2011 entitled “A Radical Restructuring of Health Insurance.”

World Insurance company in Omaha, Nebraska and it’s subsidiary American Republic insurance company is the latest carrier to succumb to the PPACA’s onerous MLR – Medical Loss Ratio requirement. They have now exited the individual market due to the PPACA Medical Loss Ratios. This move left 35,000 former policy holders without their plans. Sadly, the exit of American Republic from the Individual health insurance market also left 110 former employees without a job. Read that story here. Both companies will be purchased by Celtic Insurance company of Chicago Illinois.

This is not an isolated incident in Iowa. Iowa’s Principle Financial Group also exited the health insurance market, leaving 840,000 policy holders without their health insurance plans. Principle was purchased by United Health Group. Thankfully, due to this purchase, United Health Group will be offering new coverage to those formerly insured with Principle Financial Group. Again, you can not keep your plan, even if you like it. President Obama lied. And, as these larger companies gobble up smaller companies, competition is stifled resulting in higher premiums, less choices for consumers and a rapidly growing monopoly.

Other companies that have either closed their doors entirely or stopped selling health insurance since Obamacare was signed into law are as follows:

1.) American National
2.) American Republic
3.) American Medical Security
4.) American Community Mutual
5.) Standard Life & Accident
6.) Principle Financial
7.) nHealth
8.) World Insurance
9.) Unicare
10.) Guarantee Trust Life
11.) Coventry
12.) Physicians Benefit Trust
13.) Independence Holding Group

Other carriers are slowly withdrawing State by State. Page 7 of this white paper dated September 6, 2011 from the North Carolina Department of Insurance details exactly why the majority of all health insurance carriers that offered health insurance in their State have already exited and why even more are considering doing so shortly.

Millions more Americans will lose their Employer Sponsored health insurance after 2014. This is due to the fact that the ‘fine’ (Roberts Tax) on employers – with 50 or more more full time employees – who do not offer HHS approved health insurance to their employees is only $2,000 annually. This is far less than the cost to provide health insurance. So, many employers will simply choose to pay the ‘fine’ and push their employees onto the ‘health insurance exchanges’. For the full impact of the PPACA “Roberts Tax” on Individuals, Taxpayers & Employers visit this link.

UPDATE: Even though Barack Obama has now delayed this onerous mandate on employers until 2015 the ramifications have already been realized in the latest jobs report with a massive increase in part time workers.

Historical precedent proves that forcing mandate after mandate and new regulation after regulation on to the health insurance industry does nothing but increase costs. In 1979 there were 252 mandates forced upon the health insurance industry, by 2007 there were nearly 1900. With the implementation of the PPACA  we have tipped the scales at nearly 2,262 mandates. Keep piling them on and costs will continue to rise.

5.) Premiums will continue to increase when the following additional PPACA imposed requirements begin on January 1, 2014

A.) The “minimum actuarial value” requirement that forces insurers to provide more financially generous coverage with fewer co-pays and deductibles.
B.) The “community rating” provision that forces young Americans to pay far more for health insurance in order to subsidize older Americans. This was included in the PPACA even though historical data points to the catastrophic failure of ‘community rating’.
C.) The “guaranteed issue” provision that forces insurers to take all comers, even if they are already sick.
D.) The “essential health benefits” mandate that forces insurers to cover health-care services that many customers wouldn’t otherwise want to pay for.

The sad truth is, even though the President promised ‘affordable health insurance for all Americans‘, many Americans will not receive health insurance at all. In fact, according to the Congressional Budget Office’s latest assessment,
30 million Americans will remain uninsured even after full implementation of the PPACA. Worse yet, 17 million more will simply be enrolled in a Government Welfare program called Medicaid. Many who do receive health insurance will receive a very large tax payer funded subsidy, which will continue to detach the consumer with the true cost of health insurance. To find out what health insurance will cost you in the PPACA ‘Health Insurance Exchanges’ click here.

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C. Steven Tucker vs. Rep. Luis Guiterrez, 3 ‘Windy City Live’ hosts & audience.

On October 14th I engaged in what I was told by ABC7 Chicago producers would be a debate on the Patient Protection & Affordable Care Act with a ‘supporter of the law’. What I did not know until I stepped on the set was that I would be debating a sitting U.S. Congressman and that I would spend most of my time trying to get a word in edgewise. Instead of discussing the merits of Obamacare or lack thereof. I spent most of my time defending the GOP, Sarah Palin, Ted Cruz, George W. Bush AND the Tea Party. Not only was I debating the Congressman I was also debating all 3 of the Windy City Live program hosts in front of a live audience filled with furloughed IRS agents and union workers. The odds were heavily stacked against me but when I had a chance to speak I spoke the truth. Even when the Congressman was filibustering, receiving support from his friends on the Left and refusing to answer direct questions.

October 19, 2013 UPDATE: Just for the record, NBC news is now confirming precisely what I said in the above ‘debate’. “Thousands get health insurance cancellation notices” – NBC. That is precisely what the Tea Party was trying to prevent.

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What will “Hope & Change” cost you in 2014 under Obamacare?

Source: http://www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare#.UmLMYB-ENzA

Oh and you’re going to lose your health plan. This time it’s not according to me. It’s according to NBC News. http://www.nbcnews.com/health/thousands-get-health-insurance-cancellation-notices-8C11417913

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What will health insurance cost in the new health insurance exchanges?

If you want to see just how expensive “Government approved” health insurance will be in the new health insurance exchanges. Just click on the Kaiser Family Institute’s Exchange Calculator here. Or, you can use the online Obamacare health insurance exchange “Marketplace” by clicking here. Good luck logging in though. The system crashed 90 minutes after it opened. You should see the following image when you get to the Obamacare insurance exchange ‘Marketplace”. Have fun!

exchange holding point
Now that you’ve chosen the Kaiser Calculator instead, enter the average annual income for a family of four according to the 2011 U.S. Census report. That number is $51,144.  First, look at the “unsubsidized health insurance premium“. This is the actual  premium for the health insurance. As you can see, the cost of these policies are extremely expensive. Worse yet, the cheapest plan – the Bronze plan – exposes a family to $12,700 in out of pocket risk each year. Why?  Because the “Affordable Care Act” mandates that all of  these Preventative Care benefits must be provided to the policy holder with no copay, deductible or any other out of pocket expense. Add to all of those newly mandated Preventative Care benefits, the recently added  “Essential Health Benefits” which will also now be included on all health insurance policies sold within the exchanges as of 1/1/2014.

Source: http://www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare#.UmLMYB-ENzA

As I have mentioned many times before, Government imposed mandates on health insurance carriers are the primary driver behind high health insurance costs. Historical precedent proves this. In 1979 there were a total of 252 mandates forced upon the health insurance industry nationwide, by 2007 there were nearly 1900. Today, there are more than 2,262 mandates. The new “Affordable Care Act” mandates will drive up health insurance costs even higher.

Still using the calculator? Take a look at how much the consumer will actually pay for their health insurance once the few, the proud, the 51% of us who still pay income taxes have subsidized their premium. The “Affordable Care Act” doubles down on what I call “Consumer Detachment Syndrome”. This ‘syndrome’ is a result of WW2 era legislation that tied health insurance to employers. Since many employers pay much of the cost of health insurance for their employees as an added benefit. Many consumers have no idea what health insurance truly costs until they lose their job and receive a COBRA continuation premium that rivals the size of their mortgage payment.

This “Detachment Syndrome” will continue with the “Affordable Care Act” since many consumers will not see these massive new tax payer subsidies when they purchase health insurance in the exchanges. Instead, they will believe that the “Affordable Care Act” magically reduced the cost of health insurance, just like the President promised. And, the burden on the tax payer will continue to increase. Sadly, there are not enough producers to tax to sustain this massive new entitlement for long. This means that the printing and borrowing will continue at the Federal level and the cost of all of this will be passed on to our children and grandchildren. Either way, the “Affordable Care Act” is unsustainable. I discussed this on the Fox Business television network:

States like Massachusetts have already developed a state -based health insurance exchange. In fact, the exchange in Massachusetts is the prototype that will be used to develop other health insurance exchanges under the PPACA. There’s only one problem, the cost to taxpayers. At last count, the Massachusetts health care overhaul initiated by Mitt Romney has cost taxpayers more than $8 Billion. The Federal tax credits provided to other states who make the catastrophic budgetary mistake to develop a state-based PPACA exchange should be equally staggering.

Still have that calculator open? Enter $30,000 for a family of four and $15,000 for an individual. As you can see, those people will not be getting health insurance. In fact, according to the latest CBO assessment, 17 million of them will receive a Government WELFARE program called Medicaid instead. Medicaid is the worst and most dangerous health care program ever devised by man. Even though the President promised “Affordable Health Insurance for all Americans.”

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Want to keep your health plan? Then DEFUND Obamacare in the coming Continuing Resolution on 9/30/2013.

Since the establishment GOP is promulgating the talking point that supporting U.S. Senator Mike Lee and U.S. Senator Ted Cruz’s effort to defund Obamacare in the coming Continuing Resolution on 9/30/2013 is ‘crazy’ and ‘politically disastrous’. I wanted to write a piece exposing what will soon happen to millions of Americans if we do not defund Obamacare in the coming CR on 9/30/2013. Unlike what President Obama promised. You can not ‘keep your plan if you like your plan’ and yes ‘someone will take it away from you’. That someone is President Obama via his health care law. Watch President Obama make this promise below:

Below I will link to some real world examples of what is beginning to happen because the Obamacare HIX – health insurance exchange – will be opening on 10/1/13 in Illinois.

Firstly, here is a letter that Aetna clients received just last week. These clients will soon be losing their health insurance plans and will be forced into and Obamacare compliant plan as of 12/30/2013.

Secondly, here is an advance copy of a letter that Humana individual and family policy holders will begin receiving this fall. After the September 30, 2013 continuing resolution battle is over.

Thirdly, here is an advance copy of a letter than Blue Cross Blue Shield of Illinois clients will receive after October 1, 2013.

October 19, 2013 UPDATE: It is now confirmed…. you know… now that the main stream media is reporting it. “Thousands get health insurance cancellation notices“. – NBC News.

October 5, 2013 UPDATE: As I warned back in the first week of August. Americans – many of which supported Obamacare and voted twice for President Obama – are now receiving letters from their insurance carriers notifying them of the termination of their existing policies and details about their Obamacare compliant replacement plans. Replacement plans that dramatically increase their out of pocket risk and their premiums. To read the most recent news story click here.

September 29, 2013 UPDATE: Other Blue Cross associations are already sending out their policy termination letters. Click here to see a copy of a letter that was just sent out to Independence Blue Cross policy holders.

Click here to read the termination and replacement letter (which doubled this policy holder’s deductible) from Regence Blue Shield of Nebraska.

Click here to see a copy of the California Farm Bureau Federation policy termination letter sent to their insured members.

These policy holders have two options. Either agree to change their existing plan to an Obamacare compliant plan (along with the premium increases required) by December 31, 2013. Or, agree to keep their existing plan until December 31, 2014. They will then be issued an Obamacare compliant plan. Either way, they will be not be able to keep their existing plans. Exactly the opposite of what President Obama promised. I discussed this for the Fox Business television network on 9/30/2013:

Even low cost, high deductible health plans are now in jeopardy because of Obamacare.

This is happening right now. Not next year, not in 2015, right now. However, we CAN stop this by defunding the Obamacare exchanges in the coming CR on 9/30/2013.

Fourthly, here is a letter that doctors in Illinois just received 2 weeks ago. They too will be losing their health insurance plan because of Obamacare because the exchanges are opening on 10/1/13. They too will be forced into the Obamacare exchanges if we don’t stop funding Obamacare on 9/30/2013.

Why is this happening now?

Governor Quinn had originally expected 16 health insurance carriers to offer products within the Illinois Obamacare exchange. At this juncture, only 6 carriers have chosen to sell plans within the exchange. They are as follows:

Humana
Blue Cross Blue Shield of Illinois
Aetna
Coventry
Land of Lincoln Health
The Carle Foundation, a nonprofit hospital network based in Urbana

Since these carriers have chosen the option to offer a “Medal” (Bronze, Silver, Gold or Platinum) product within the exchange all individual/family health insurance plans that they have already sold in years 2011, 2012 and 2013 must conform to the design of the “Medal” plans sold inside the exchanges. This means that they must add all 10 of the federally mandated “Essential Health Benefits” and the plans must be redesigned to conform with the deductible and other out of pocket expenses that will be included with the “Medal” plans sold inside the exchanges.

This also means that millions of Aetna, Humana & Blue Cross Blue Shield of Illinois clients will not be able to keep their existing plans. They will instead by forced to accept a change to their plan design either on 12/31/13 or by 12/31/14 if they sign an amendment that has yet to be approved by the Illinois Department of Insurance. Again, they will not be able to keep their existing health insurance plans.

The two largest carriers that are staying out of the new Illinois Obamacare health insurance exchange are United HealthOne and Assurant Health. Because these two carriers are staying out of the exchange, the PPACA (Obamacare) law allows them to continue to design their products differently than the plans sold within the exchange. Although they must still adopt all 10 of the new federally mandated “Essential Health Benefits” and they must also offer guaranteed insurability (no preexisting conditions) to all applicants during ‘Open Enrollment” periods. The deductible and coinsurance arrangements that they can offer to their clients can be higher than the standard deductibles and coinsurance arrangements that will be offered in the exchanges.

This means that their prices will be inherently lower than the “Medal” plans sold inside the exchanges. This is most especially true for individuals with MAGI – Modified Adjusted Gross Incomes – higher than $46,000 a year. These individuals will receive no taxpayer provided ‘subsidy’ to artificially lower the cost of the expensive health insurance plans that will be sold within the new health insurance exchanges. To find out what you will pay for insurance in the new health insurance exchanges use the Kaiser Family Institute’s “Advance Premium Tax Credit” calculator by clicking here.

Because these two carriers are staying out of the Obamacare exchange. Not just here in Illinois but around the country. They are both now able to make the following commitment to potential new policy holders. If you purchase a health insurance plan from either of these carriers prior to 2014 you will not lose or have to change that health plan and you will not receive a premium increase until the December 30, 2014.

Watch United HealthOne make this promise here.

Read Assurant Health’s promise here.

Spouses are losing their health insurance plans because of Obamacare

CNN is now reporting that UPS is now dropping spouses from their corporate health insurance plans because of Obamacare.

Many more companies will follow because Obamacare does not require employers to offer coverage to spouses. They must only offer an Obamacare ‘QHP’ – “Qualified Health Plan” to employees and their dependent children up to the age of 26.

Just last week I lost the 13th individual health insurer since Obamacare passed. Again, because the most onerous provisions of Obamacare will begin on 1/1/14 if we do not stop it. See this insurance company’s exit letter here.We can reverse much of this by defunding Obamacare in the coming CR on 9/30/2013. The other individual health insurers who have pulled out of the individual health insurance market since the passage of Obamacare are as follows.
1.) American National
2.) American Republic > 35,000 people LOST their health plans when American Republic exited the market. Hundreds of jobs were lost as well.
3.) American Medical Security
4.) American Community Mutual
5.) Standard Life & Accident
6.) Principle Financial
7.) nHealth
8.) World Insurance
9.) Unicare
10.) Guarantee Trust Life < One of my clients in Naperville, Illinois who received that letter lost her plan during Breast Cancer treatment!
11.) Coventry
12.) Physicians Benefit Trust
13.) Independence Holding Group
Obamacare is creating a massive insurance monopoly. These smaller carriers that I used to be able to offer to my clients, the carriers with the good prices are now gone. They are being gobbled up by the larger carriers. Obamacare must be stopped now. Unlike the talking points being promulgated by the establishment GOP both discretionary and mandatory spending for Obamacare can be stopped via an amendment penned by Senator Ted Cruz which can be attached to the coming Continuing Resolution on September 30, 2013. WATCH Senator Cruz explain exactly what he has prepared to stop discretionary AND mandatory spending for Obamacare on 9/30/2013.

We can not count on any of our Illinois U.S. House reps to stand with principled men like Ted Cruz and Mike Lee on 9/30/2013 because each and every one of them have been voting to fund Obamacare for the last 3 years. You will find their recorded votes in every Continuing Resolution since their first chance to defund Obamacare in HJRes48 on March 15, 2011 here > http://twitpic.com/d3zi33 If you think this Obamacare funding by Republicans is isolated to Illinois, you could not be more mistaken. Click here to see how many times your Congressman voted to fund Obamacare since HJRes48. Be sure to track their votes from 2011 forward. Check every year since then as well.

You see, HJRes48 was Republican’s first chance to defund Obamacare after gaining a majority in the House of Congress where spending originates in January 2011. This majority was EARNED by us. It was then given to Republicans. What have they done with it? They have voted again and again to fund Obamacare during every Continuing Resolution and debt ceiling deal. Please do not buy into the talking points used by Congressional reps who have stated that “I have voted to repeal Obamacare more than 30 times. Just look at my voting record to repeal Obamacare!” Many are referring constituents to this link which contains their recorded votes to repeal Obamacare.

Repealing Obamacare and defunding Obamacare are two entirely different things. The more than 30 repeal votes have gone nowhere. This is because U.S. Senate majority leader Harry Reid will not allow these repeal votes to come to the floor in the U.S. Senate. These votes are purely symbolic. This is why it takes no courage to vote for these repeal votes. The real courage is in defunding Obamacare. This is what these Reps and Senators must now do to protect all of us from what is coming in a few short months under Obamacare.

Defunding Obamacare means attaching the legislative rider that has been penned by Senator Ted Cruz to the continuing resolution on 9/30/2013 that prohibits any funds from being spent on any activities to implement or enforce Obamacare. It will also rescind any unspent balances that have already been appropriated for implementation of Obamacare. Lastly, it turns off the exchange subsidy and new Medicaid spending that are on auto-pilot. In other words both discretionary and mandatory spending for Obamacare comes to a screeching halt.

Why is this crucial now? According to the CRS – Congressional Research Service – the Obamacare legislation provided $1 billion in mandatory implementation funding when it was enacted, HHS projects that theses fund have already been spent. According to CRS, Obamacare “administrative costs will have to be funded through the annual discretionary appropriations.” This means HHS needs more money to implement Obamacare. It is now up to our Republican Reps and Senators to make sure they do not get it. If we do not stop funding for Obamacare now, more Americans will suffer. Just like this mother with a sick child:

Now is the time to take a stand. The excuses these Reps and Senators have used in the past have been “Obama won’t get reelected so we don’t have to take a stand right now” so let’s vote to fund Obamacare and Planned Parenthood in this CR. Or, “The Supreme Court will strike down Obamacare so let’s not take a stand now” let’s vote to fund Obamacare and Planned Parenthood in this CR as well.” Those excuses are over and in less than 60 days the full weight of Obamacare will be doled out on the American people. Americans all over the nation will lose their health insurance plans. All because the exchanges are opening around the country in less than 60 days.

WHAT ESTABLISHMENT REPUBLICANS REFUSE TO ACKNOWLEDGE:

DELAYING Obamacare needs Democrat support. DEFUNDING Obamacare needs NO Democrat support! And, no matter how many times members of the establishment GOP say ‘we can’t stop mandatory spending for Obamacare‘ they are lying. In 2011 Congress stopped $2.2 billion of mandatory spending for Obamacare. We did it then and we can do it again.

This year, the Obama administration has waived or delayed major features of Obamacare such as the employer mandate and the law’s procedures for verifying one’s income prior to receiving APTX – Advance Premium Tax Credits – in the exchanges. However, according to the Congressional Research Service the Obama administration has actually inadvertently delayed half of the legally imposed Obamacare implementation deadlines. It is time to delay the rest.

Listen to the establishment talking heads who are attacking Senator Cruz and Senator Lee for attempting to educate the public on the necessity of defunding Obamacare coming on 9/30/2013. If you know nothing else, the fact that Joe Scarborough supports not defunding Obamacare in the CR should be all you need to know. Listen to the “Morning Joe” attack here.

Below, I discuss how the IRS is writing new law empowering themselves with powers they were not given in the original Obamacare legislation. They did this so that they can penalize employers in the 26 states that have rejected a state based exchange. The IRS is not a Legislative branch. They can not write new law! This is legislative tyranny and it must be stopped. If we do not stand for what is right now, all of this will be implemented beginning 10/1/13 when Obamacare exchanges open.

Again by Executive fiat, without Congressional approval. Barack Obama allowed Congress and their staffers a waiver from Obamacare. So that now, when they lose their Congressional health plans and are forced into the Obamacare exchanges we the people will be paying 75% of the cost of their Obamacare health insurance plans. Again, now is the time to defund not repeal Obamacare.

Lastly, neither Senator Ted Cruz nor Senator Mike Lee are calling for ‘shutting down the government’. They wish to fund all of the normal functions of government, social security, military, entitlement funding etc. Everything but Obamacare. The decision to ‘shut down the government’ would only be made by President Obama. Again, it is not our desire to do so. Unlike the rhetoric from the establishment GOP, historical precedent proves that Republicans have benefited politically when a government shut down occurs. The Heritage Institute has provided other excellent talking points to refute the rhetoric coming from those in the establishment who are against the common sense effort to defund Obamacare in the coming Continuing Resolution on 9/30/2013.

ACTION ITEMS. September 20, 2013 UPDATE: To defund Obamacare in the coming Continuing Resolution on 9/30/2013 we will need cooperation from both chambers of our U.S. Congress. The House and the Senate. On Friday September 20th House Republicans stood united (less one vote) and passed HJRes59 – the “Continuing Appropriations Resolution Act of 2014 over to the U.S. Senate. HJRes59 defunds Obamacare whilst appropriating amounts for continuing operations, projects, or activities which were conducted in Fiscal Year 2013. These continuing operations, projects, or activities are as follows:

  • the Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2013 (division A of P.L. 113-6);
  • the Commerce, Justice, Science, and Related Agencies Appropriations Act, 2013 (division B of P.L. 113-6);
  • the Department of Defense Appropriations Act, 2013 (division C of P.L. 113-6);
  • the Department of Homeland Security Appropriations Act, 2013 (division D of P.L. 113-6);
  • the Military Construction and Veterans Affairs and Related Agencies Appropriations Act, 2013 (division E of P.L. 113-6); and
  • The Full-Year Continuing Appropriations Act, 2013 (division F of P.L. 113-6).

Currently U.S. Senators John Cornyn (Texas), Bob Corker (Tennessee) and Richard (North Carolina), Lindsey Graham (South Carolina) and John McCain (Arizona) have threatened a CLOTURE vote which would end the debate in the U.S. Senate over the new House continuing resolution bill HJRes59 which defunds Obamacare. This cloture vote would prevent any filibuster and allow U.S. Senate Majority Leader Harry Reid to restore funding for Obamacare by stripping that section out of HJRes59 and then sending it back to the House next week. Please call these Senators offices and the offices of any other Republican U.S. Senator who threatens a cloture vote.

Illinois U.S. Senator Mark Kirk signed Senator Mike Lee’s letter pledging to defund Obamacare and then removed his name less than 24 hours later. We suspect he will also vote for cloture. We must contact Kirk’s office and the offices of any other U.S. Senators like Lindsey Graham and U.S. Senate Minority Leader Mitch McConnell who have also hinted at voting for Cloture.

“If 41 Republicans stand strong and oppose cloture, they can defeat Reid’s plan to fund ObamaCare. However, if Republicans waffle and vote for cloture, it will grease the skids for Reid’s plan to defund ObamaCare. Any Republican who votes for cloture is voting to fund Obamacare.” – Matt Hoskins, executive director of the Senate Conservatives Fund.

“If Reid pursues this plan — if he insists on using a 50-vote threshold to fund ObamaCare with a partisan vote of only Democrats — then I hope that every Senate Republican will stand together and oppose cloture on the bill in order to keep the House bill intact and not let Harry Reid add ObamaCare funding back in,” – U.S. Senator Ted Cruz.

The aforementioned U.S. Senators are not to be trusted to reflect the will of the vast majority of their constituents. As such, they need to hear from you right now, before and all throughout the real battle to defund Obamacare which begins next week in the U.S. Senate. The pledge that your U.S. Senator needs to sign is Mike Lee’s pledge. View it here.

Please note: Senator Ted Cruz has a bill to defund Obamacare and many conservative organizations have said they fully support that bill. That bill is S.1292. However, the Cruz bill alone is not enough! Senators must also signed Senator Mike Lee’s letter. See which Senators have done so thus far. If you call your Senator’s office and are told that he/she has signed on as a cosponsor of Cruz’s bill to defund Obamacare you must tell them that it is imperative that they ALSO sign Senator Mike Lee’s letter – and do so TODAY! The Capitol Switchboard is 1-866-220-0044.

Call the Senators who are not on Senator Lee’s letter and ask that they sign the letter. Tell them you think it is important for them to sign that letter or you will presume they will fund Obamacare.

Please sign and distribute this petition to the White House to grant We The People an Obamacare exemption.

To hear our side and the establishment GOP side of this issue please click here to listen to an on air debate between Senator Mike Lee and Karl Rove recorded on the Sean Hannity show 8/12/13.

I discussed delaying and stopping funding for Obamacare on the Joe Walsh radio show on Chicago’s Am560 on 8/23/13

C. Steven Tucker on delaying and stopping funding for Obamacare on the Sara Marie Brennar radio show on 8/21/13

I discussed delaying & stopping funding for Obamacare on Bloomington’s Robert Rees show on Cities 92.9 FM 8/16/13

I discussed delaying and stopping funding for Obamacare on the statewide Illinois Tea Party conference call on 8/12/13

I discussed delaying and stopping funding for Obamacare on the Joe Walsh show on Chicago’s Am560 8/6/2013

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Please call these Senators NOW. The CRUCIAL Senate vote on defunding Obamacare is TOMMORROW.

U.S. Senators Mitch McConnell (KY) John McCain (AZ) Lindsay Graham (SC) John Cornyn (TX) Lamar Alexander (TN) Thad Cochran (MS) Bob Corker (TN) John Thune (SD) Orrin Hatch (UT) Tom Coburn (OK) Roy Blunt (MO) Dan Coats (IN) Johnny Isakson (GA) Saxby Chamblis (GA) have threatened a CLOTURE vote which would end the debate in the U.S. Senate over the new House continuing resolution bill HJRes59 which defunds Obamacare. Updates at www.DontFundObamacare.com.

This cloture vote would allow U.S. Senate Majority Leader Harry Reid to restore funding for Obamacare by stripping that section out of HJRes59 and then send it back to the House next week. Click on each Senator’s name for their contact numbers and please call their offices now, TODAY. The crucial Senate vote on HJRes59 could be as early as TOMORROW.

PLEASE NOTE: The new tactic from Establishment Republicans is to tell undecided senators that a cloture vote is a vote to defund Obamacare. That is a LIE. Harry Reid is voting for cloture. A cloture vote is a vote to FUND Obamacare.

September 27, 2013 UPDATE After repeatedly assuring his constituents that he would not fund Obamacare. Illinois U.S. Senator Mark Kirk now states that he WILL help Harry Reid FUND Obamacare via a cloture vote. Please call, tweet, Facebook and email his office TODAY.

“If 41 Republicans stand strong and oppose cloture, they can defeat Reid’s plan to fund ObamaCare. However, if Republicans waffle and vote for cloture, it will grease the skids for Reid’s plan to defund ObamaCare. Any Republican who votes for cloture is voting to fund Obamacare.” – Matt Hoskins, executive director of the Senate Conservatives Fund.

“If Reid pursues this plan — if he insists on using a 50-vote threshold to fund ObamaCare with a partisan vote of only Democrats — then I hope that every Senate Republican will stand together and oppose cloture on the bill in order to keep the House bill intact and not let Harry Reid add ObamaCare funding back in,” – U.S. Senator Ted Cruz.

The video below reminds us all why we must defund Obamacare now.

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Complete list of Senate Republicans who just voted to REFUND Obamacare.

Below is a complete list of Senate RINOs who just voted to REFUND Obamacare via voting for Cloture with Democrat Senate Majority Leader Harry Reid. Please pay special attention to those who are up for REELECTION.

french republicans

Alexander (R-TN)   – UP FOR REELECTION
Ayotte (R-NH)
Barrasso (R-WY)
Blunt (R-MO)
Boozman (R-AR)
Burr (R-NC)
Chambliss (R-GA) – UP FOR REELECTION
Chiesa (R-NJ)       – UP FOR REELECTION
Coats (R-IN)
Coburn (R-OK)
Cochran (R-MS)   – UP FOR REELECTION
Collins (R-ME)      – UP FOR REELECTION
Corker (R-TN)
Cornyn (R-TX)      – UP FOR REELECTION
Corker (R-TN)
Cornyn (R-TX)
Graham (R-SC)     – UP FOR REELECTION
Hoeven (R-ND)
Isakson (R-GA)
Johanns (R-NE)     – UP FOR REELECTION
Johnson (R-WI)
Kirk (R-IL)
McCain (R-AZ)
McConnell (R-KY)   – UP FOR REELECTION
Murkowski (R-AK)
Thune (R-SD)
Wicker (R-MS)

ted cruz American patriot
Below is the list of Senate Republicans who kept their promise to DEFUND Obamacare and voted against Cloture:

Crapo (R-ID)
Cruz (R-TX)
Enzi (R-WY)
Fischer (R-NE)
Grassley (R-IA)
Heller (R-NV)
Inhofe (R-OK)
Lee (R-UT)
Moran (R-KS)
Paul (R-KY)
Portman (R-OH)
Risch (R-ID)
Roberts (R-KS)
Rubio (R-FL)
Scott (R-SC)
Sessions (R-AL)
Shelby (R-AL)
Toomey (R-PA)
Vitter (R-LA)

Not voting, but present:
Flake (R-AZ)
Hatch (R-UT).

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Call your Illinois U.S. Reps! There are only 13 days left to DEFUND Obamacare.

The Illinois Tea Party has discussed in great detail why we must DEFUND Obamacare in the coming Continuing Resolution on September 30, 2013. There are now only 13 days left to do so. In Illinois, only one U.S. Rep. – Rep. Randy Hultgren signed on to the original legislation H.R.2682 – the “Defund Obamacare Act of 2013″ proposed by Rep. Tom Graves back on 7/11/2013.

However, there is a now a new bill that we need all of our Illinois U.S. Republican Reps to cosponsor. As of September 18th only Rep. Randy Hultgren has agreed to do so. That bill is H.J.Res.62 – the “Stability, Security, and Fairness Resolution of 2013” also proposed by Rep. Tom Graves on September 12, 2013. This bill fully funds the normal functions of government – Social Security, Military, Agriculture, Commerce, Justice, Science etc. for the next fiscal year with the following clause added at the end

    “Sec. 114. (a) Limitation on Funding the Affordable Care Act- Notwithstanding any other provision of law–
      (1) none of the funds made available by this joint resolution or any other Act may be used to carry out Public Law 111-148 or title I or subtitle B of title II of Public Law 111-152 (including any amendment made by such Act, title, or subtitle, respectively) during any fiscal year;
      (2) any funds provided by such Act, title, or subtitle for fiscal year 2014 are rescinded; and
      (3) any funds so provided for fiscal year 2015 shall not be available for obligation until January 1, 2015.
      (b) Delay in Implementation of the Affordable Care Act- No provision of the Patient Protection and Affordable Care Act (Public Law 111-148) or title I and subtitle B of title II of the Health Care and Education Reconciliation Act of 2010 (Public Law 111-152), or of the amendments made by either such Act, shall have effect until December 31, 2014.”

September 18, 2013 UPDATE: This is the new Continuing Resolution that Speaker Boehner is passing over to the Senate. Below is the text of H.J. Res. 59, the Continuing Appropriations Resolution, 2014, and the text of the Scalise amendment which defunds Obamacare and also includes the text of the Full Faith and Credit Act which prioritizes debt held by the public in the event of a lapse in borrowing authority, are both online on the Rules Committee website. http://rules.house.gov/bill/113/hj-res-59 I have been told that Congressman Peter Roskam will support this Continuing Resolution.

We must now contact every one of our Illinois U.S. Republican Representatives who have not agreed to cosponsor either HJRes62 or Speaker Boehner’s HJRes59 and our Illinois Republican Senator Mark Kirk. Please contact them at their D.C. offices, their local offices, their Facebook pages and on Twitter and respectfully request that they support either Tom Grave’s HJRes62 or Speaker Boehner’s HJRes59. Below is each U.S. Congressional Reps contact information and Senator Mark Kirk’s contact info.

Senator Mark Kirk needs to sign on to Senator Mike Lee’s pledge to defund Obamacare and agree to cosponsor S.1292. which is Senator Ted Cruz’s amendment to defund Obamacare. As of today, 31 other U.S. Senators now have.

U.S. Senator Mark Kirk D.C. office:
Phone: 202-224-2854
Fax: 202-228-4611
Chicago, Illinois office:
Phone: 312-886-3506
Fax: 312-886-2117
Springfield, Illinois office:
Phone: 217-492-5089
Fax: 217-492-5099
Facebook pages:
http://www.facebook.com/SenatorKirk
http://www.facebook.com/KirkForSenate
Twitter page:
https://twitter.com/SENATORKIRK
Kirk’s Staff members:
Michael Rasmussen Staff Assistant

1 (217) 492-5089
Michael_Rasmussen@kirk.senate.gov
Randy Pollard Outreach Coordinator
1 (217) 492-5089
Randy_Pollard@kirk.senate.gov

U.S. Rep. Peter Roskam D.C. office:
Phone: (202) 225-4561
Fax: (202) 225-1161
Email: https://forms.house.gov/roskam/webforms/zipauthen_contact.shtml
Facebook pages:
http://www.facebook.com/RepRoskam
http://www.facebook.com/RoskamForCongress
Twitter page: https://twitter.com/PeterRoskam
Barrington, Illinois office:

Phone: (847) 656-6354
West Chicago, Illinois office:

Phone: (630) 232-0006
Fax: (630) 232-7393

 
Washington Office
227 Cannon House Office Building  
Washington, DC 20515
(202) 225-4561
(202) 225-1166 (fax)

- See more at: http://roskam.house.gov/index.php?option=com_content&view=article&id=5621&Itemid=100042#sthash.as5EljDm.dpufU.S. Rep Randy Hultgren D.C. office:

U.S. Rep Randy Hultgren D.C. office:
Phone: (202) 225-2976
Fax: (202) 225-0697
Facebook pages:
http://www.facebook.com/RepHultgren
http://www.facebook.com/randyhultgren
Twitter page: https://twitter.com/RepHultgren
Email: https://hultgrenforms.house.gov/email-me
Geneva, Illinois office:
Phone: (630) 232-7104
Fax: (630) 232-7174

U.S. Rep Aaron Shock D.C. office:
Phone: (202) 225-6201
Fax: (202) 225-9249
Facebook pages:
http://www.facebook.com/RepAaronSchock
http://www.facebook.com/RepAaronSchock?rf=103082913065865
Twitter page: https://twitter.com/repaaronschock
Email: http://schock.house.gov/contact/
Peoria, Illinois office:
Phone: (309) 671-7027
Fax: (309) 671-7309
Springfield, Illinois office:
Phone: (217) 670-1653
Fax: (217) 670-1806
Jacksonville, Ilinois office:
Phone: (217) 245-1431
Fax: (217) 243-6852

T:
202.225.6201
F:
202.225.9249

U.S. Rep Adam Kinzinger D.C. office:
Phone: (202) 225-3635
Fax: (202) 225-3521
Facebook pages:
http://www.facebook.com/RepKinzinger
http://www.facebook.com/electadam
Twitter page: https://twitter.com/RepKinzinger
Email: https://kinzingerforms.house.gov/email-adam
Ottawa, Illinois office:
Phone: (815) 431-9271
Fax: (815) 431-9383

U.S. Rep John Shimkus D.C. office:
Phone: (202) 225-5271
Fax: (202) 225-5880
Facebook pages:
http://www.facebook.com/repshimkus
http://www.facebook.com/pages/John-Shimkus-for-US-House-Energy-and-Commerce-Committee-Chairman/164058543629313
Twitter page: https://twitter.com/RepShimkus
Email: http://shimkus.house.gov/contact
Danville, Illinois office:
Phone: (217) 446-0664
Fax:  (217) 446-0670
Effingham, Illinois office:
Phone: (217) 347-7947
Fax: (217) 342-1219
Harrisburg, Illinois office:
Phone: (618) 252-8271
Fax: (618) 252-8317
Maryville, Illinois office:
Phone: (618) 288-7190
Fax: (618) 288-7219

U.S. Rep Rodney Davis D.C. office:
Phone: 202.225.2371
Fax: 202.226.0791
Facebook pages:
http://www.facebook.com/RepRodneyDavis
http://www.facebook.com/ElectRodney
Twitter page: https://twitter.com/RodneyDavis
Email: http://rodneydavis.house.gov/contact
Champaign, Illinois office:
Phone: 217.403.4690
Fax: 217.403.4691
Decatur, Illinois office:
Phone: 217.791.6224
Fax: 217.791.6168
Normal, Illinois office:
Phone: 309.252.8834
Taylorville, Illinois office:
Phone: 217.824.5117
Fax: 217.824.5121

Please remember that with the exemption of Rep Shimkus and Rep Davis every one of our other Illinois U.S. Reps have been funding Obamacare in every other Continuing Resolution and debt ceiling deal since their first chance to do fund it on March 15, 2011 with the passage of HJRes48. Their excuses for doing so are now no longer valid. President Obama was reelected and U.S. Supreme Court Chief Justice John Roberts did allow the legislation to move forward by illegally rewriting the definition of the “Individual Mandate’. Roberts literally rewrote the ‘fine’ for not purchasing a “Qualified Health Plan” and labeled it as a ‘tax’. He then then stated Congress has the power to tax.

Below is a graphic showing each specific vote where Reps Roskam, Hultgren, Schock & Kinzinger have voted to continue funding Obamacare. Now is the time for them to finally take a stand and reflect the will of the vast majority of their constituents. Now is the time to DEFUND Obamacare.

1.) Big Government has now been ‘waived’ from paying the full price of their Obamacare health plans as the original legislation stated they must.
2.) Big Business has now received a one year reprieve from paying the ‘Pay or Play’ penalty of $2,000 or $3,000 for each full time employee.
and
3.) Big Labor is now calling for repeal of Obamacare unless their existing waiver is made permanent.

Now is time for our waiver. We The People. You know, those who are going to pay for all of this.

Last chance to defund Obamacare

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