On October 2nd President Obama touted an “improved, strong U.S. economy” and the “benefits of Obamacare” at Northwestern University. It all sounded great but this is what I’ve been dealing with today. I’m fielding angry calls from my HumanaOne, Aetna and Blue Cross Blue Shield of Texas clients. All of their policies will be canceled as of December 31, 2014. See the letters here and here. Cigna is also terminating their pre-2014 plans. This is the second year I’ve had to deal with this but this year it’s much different.
Last year when more than 4 million cancellation notices went out, Americans were able to shop for prices as early as October 1st, granted the initial roll out left much to be desired. In fact, in my opinion it was an unmitigated disaster. Many of my clients spent hours on the phone with Healthcare.gov ‘navigators’ only to find out that their application had then mysteriously disappeared.
Worse yet, because our state’s “C.H.I.P” program was expanded long before Obamacare. The few members of my clientele who actually qualified for an APTC – “Advance Premium Tax Credit” a.k.a. “subsidy” to artificially lower their premiums were unable to add their children to their subsidized policies. They were instead instructed to enroll their children in Medicaid. Or, they could pay full price for each of their children. The rates for a single child in my state are at least $100 a month for the cheapest “Bronze” plan which includes a $6,000 deductible per person. That’s not exactly ‘affordable care’ when you have three children.
This year, for the first time in 20 years I can not even quote a replacement product because Barack Obama has issued a GAG ORDER to the health insurance industry instructing them not to disclose their January 2015 health insurance rates until after the mid-term elections. This is unprecedented. Normally health insurance premiums are released for public viewing 60 days before the January 1st effective date. Where are the reports on these cancellations and the gag order from NBC, ABC, CBS and CNN? The only news organization that I am aware of that has reported on any of this is the Fox News channel. I can guarantee you one thing, not one of my clients who received a cancellation notice is voting Democrat on Tuesday.
Republicans have outstanding alternatives to this disastrous health care law. The two most recent are the American Health Care Reform Act and the Universal Exchange Plan. Please read them, for it will be up to us to forge a new path forward for the American people and time is of the essence. The insurance company bail outs are temporary and they will expire in 2016. Without a bailout the health insurance industry will pull out of the individual and family health insurance market. Before that happens we need to be able to articulate intelligent, market based alternatives. It’s up to us.
11/4/2014 UPDATE: Yesterday, “Snopes” the ‘fact check’ site stated that the actual term ‘Gag Order’ was not used in the original Wall Street Journal article which I link to above. Whilst that is true, Snopes does not disagree with the fact that 2015 health insurance premiums and plans are not available for viewing until after the election. Since the term ‘Gag Order’ was not used in that WSJ post “Snopes” lists my post as ‘false’. Anyone who has access to the internet can visit my health insurance brokerage site HealthInsuranceMentors.com and then click on the orange ‘Start Shopping Now” button. Then attempt to get a quote for January 1, 2015. You will not be able to. That is the point of this entire piece. Not the fact that the actual term “Gag Order” was not used but the fact that you can not quote premiums for January 1, 2015 and this is what is unprecedented. That is the point. Certainly the good folks at ‘Snopes’ are intelligent enough to figure that out. Maybe they should take a lesson from USA Today who figured out the point and used the term “Gag Rule” last month. Does the fact that USA Today used the term “Gag Rule” render their entire piece ‘false’? No one with a working cerebral cortex would believe such nonsense.
21 responses to “Humana Aetna and BCBSTX are canceling plans but this year it’s MUCH different.”
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Socialism is the message, Marxism is the strategy and Fascism is the goal…
Democrats lost America’s first Civil War because they enslaved Black people. Democrats are going to lose America’s second Civil War because they attempted to enslave everyone else…
We have our work cut out for us. The Republican Establishment is signaling that they only want to repeal “parts” of Obamacare, not the whole thing. And even if they did repeal all of it. there’s no way BO would ever sign it. Only if enough Democrats heard from their constituents, telling them to vote to repeal all of it–then and only then could they override his veto. But even with the Dems on board, the Republican Establishment is so stupid, they would probably vote to keep Obamacare intact for reasons no one but wiseacre Karl Rove could understand. It’s a mess.
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I voted for Obama twice, but obamacare is unaffordable to me an other high earners I know.
My previous plan cost me $368 a month. When Obamacare started, my employer offered me an ACA compliant plan for $1608 a month! I simply can’t afford the spend as much for “access” to health care, as I would spend on housing. And I would still likely not even meet my deductibles and never see the benefit of that outrageous pricetag.
In lieu, I am using a temporary insurance policy that offers the same benefits and a lower deductible, and it costs $258 per month, plus whatever I am fined on my taxes this year for not having an ACA plan.
Guess that ‘Hoax and Chains’ wasn’t all it was cracked up to be Toneii? Today is the day to let the President know how you feel about his lies. Vote Republican. Then check out the “American Healthcare Reform Act” and the “Universal Exchange Plan”. Republicans have far better answers to reforming the American health care system and none of them require penalizing your for non compliance nor do they violate our U.S. Constitution as Obamacare does.
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