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Thread: Individual Mandate Delayed

  1. #11
    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by shinyhead View Post
    I will state again that we have data going back 3 years in our database, GOVT requirement to retain our records for 3 years.
    They have the information. its like putting toothpaste back in the tube. Who's going to sign back up and at what rate? Do we (the insurance company) get the healthy ones back or just the uninsurable? Nope. Those terminated policies are gone. Not because of lack of information but because the carriers have no control over who would return. Logic says only the uninsurable.

    As for a search, you can dig through some of my old threads about healthcare if your interested.
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    Quote Originally Posted by M&K's Retrievers View Post

    As for a search, you can dig through some of my old threads about healthcare if your interested.
    Brilliant, if anyone questions what you say they can just search through some of your old threads to verify that that is what you say!!

    Self fulfilling prophecy regards......

  3. #13
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    M&K's analogy is pretty accurate. It is like putting toothpaste back in the tube. The insurance companies have already changed their business models to comply with the ACA, and for the state insurance commissioners it's just to disruptive to change the rules back. Our dear leader Odumbo cannot have it both ways. Personally, I really wish folks who got their insurance cancelled could go back on to their old policies. I have a real hard time with this whole income redistribution thing, which is what the ACA is. It's not about health care, it's all about the progessive movement's desire to change the political model of the United States to socialism. Period. The health care system is just the start of the transformation.
    Last edited by freezeland; 03-13-2014 at 08:36 AM.
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    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by mjh345 View Post
    Brilliant, if anyone questions what you say they can just search through some of your old threads to verify that that is what you say!!

    Self fulfilling prophecy regards......
    Not at all. I'm just tired of explaining it. I do it every day for clients and I've done so here several times. With clients, I have a shot of retaining their business. On this forum, most of the time it seems like I'm just wasting my time. It just gets a little old having folks whose only expertise in insurance is that they bought a policy once or they know someone who knows someone who got screwed without knowing the facts.

    Stick a fork in it regards,
    Last edited by M&K's Retrievers; 03-13-2014 at 09:54 AM.
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    Quote Originally Posted by BonMallari View Post
    its no great secret that the GOP, TEAS and maybe even the Libertarians are going to try and hang the anchor of the ACA around the neck of every Dem candidate...it just worked in Fla..if they think they can take back the Senate with the tactic it wont matter that the mandate has been delayed

    Then I guess that there's nothing to worry about, in that case. The legislative branch will be overwhelmingly Republican with the Teas cracking the whip and the ACA will be deflated like a 2 week old balloon with a slow leak. It's only 7 1/2 months to November and Nirvana......-Paul
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    Nothing that our dear leader said in promoting this mesh has been true. I guess if it hasn't affected you personally you can play dumb and continue the folly. Then we have some on here that just jumps on someone tired of explaining this mess over and over. Why don't you explain this mess counselor? There are certainly plenty of ambulance chasing attorney's that have contributed to the the high costs in healthcare. Bottom line is this administration has taken an already costly healthcare system and made it more costly, placed more burden on the medical profession in the codes it forced upon them and have flip flopped on the law so many times already that it is a joke! If it is such a great law and is going to help so many people why do they keep delaying and changing the law? Why don't all the libs running for office ride this great law to the winners circle? Because they know it is a LOSER!!!! The so called obstructionist on the right have said all along that there was no way that what the president and his regime was saying to sell this mess would be true or could happen. This mess is driving costs of insurance up not down but I know it is the insurance co fault not an inept federal govt sticking it big arse where it doesn't belong!
    Last edited by duckheads; 03-13-2014 at 04:37 PM.
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    If you step back and really look at the Obama administration and the ACA....they worked on this for over 3 years prior to implementation....and they did not anticipate these problems? How can that be? Not to mention the terrible work they did on the software development and release/start up....of ACA Website!

    All of you that still support this ACA and the people who put it together.....your position is impossible to defend, based on the number of problems that continue to flare up. And it still is just the 'tip of the iceberg' with the ongoing failures of Obamacare! Obama's legacy is already sealed....much to the delight of Jimmy Carter...

  8. #18
    Senior Member Gerry Clinchy's Avatar
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    More clarification on the latest mandate delay. This time they are actually using the "hardship" exemption. I'm not sure there is any time limit on using the hardship exemption ... not just till 2017, but, rather, no time limit at all.

    "It's been really aimed at people who could not afford coverage one way or the other," she said. She noted that the list includes people who live in states that did not expand eligibility for Medicaid.


    But Holtz-Eakin, former director of the Congressional Budget Office under the George W. Bush administration, said that for someone to qualify for the latest waiver, they could simply say they couldn't get through on HealthCare.gov or plans were too expensive or a special condition they have didn't appear to be covered.
    "It's been really aimed at people who could not afford coverage one way or the other," she said. She noted that the list includes people who live in states that did not expand eligibility for Medicaid.


    But Holtz-Eakin, former director of the Congressional Budget Office under the George W. Bush administration, said that for someone to qualify for the latest waiver, they could simply say they couldn't get through on HealthCare.gov or plans were too expensive or a special condition they have didn't appear to be covered.

    As a consequence, he said, there could be "chaos" in the insurance market. Insurance companies, in exchange for taking on older and sicker patients as part of the Affordable Care Act, were counting on millions of young and healthy Americans signing on. The individual mandate -- and the penalty that comes with it -- was supposed to compel people who might not otherwise buy insurance to enter the system.


    Now that the mandate is being softened, it's unclear whether insurance companies will have enough of those new customers to keep premiums down for everyone else.
    A huge part of the problem seems to be that the govt decided to leave no choice to consumers as to what coverage they wanted/needed. This might work okay for single-payer with the govt being the payer (which is what Obama & others have stated they really wanted), but works much less well when the burden falls so heavily NOT on the 1%, nor the very poor who get Medicaid, but on the the huge middle class.

    Remember the person earning just over $62,000 who finally "discovered" that THEY would be paying to support O-care? As I recall, this was not a stupid person (based on their occupation).

    We've also found that while the theory of the law was that pre-existing conditions would be covered, we are now finding that such coverage may NOT extend to drugs needed to treat some of those conditions. How did that happen? Catch 22? It would appear that the fellas who drew up the plans' coverage parameters did not have much knowledge of medicine.

    Interestingly, Bon, Alex Sink stayed away from O-care (and her opponent hammered on O-care), and Sink tried to run on "climate change" (calling her opponent "a denier"). If climate change was going to be at all effective, it should have been so in FL which would be an area that could end up underwater from warming; or even, according to climate change supporters, subject to more violent hurricane weather. When people are having trouble paying their electric bill or for food today, or have lost their doctor, it's hard to focus on what will happen 50 years from now, if it does happen (which is not certain at this point exactly what will happen, especially if the fellow in No Korea gets randy or the mullahs in Iran get an itchy trigger finger).
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    "As a consequence, he said, there could be "chaos" in the insurance market. Insurance companies, in exchange for taking on older and sicker patients as part of the Affordable Care Act, were counting on millions of young and healthy Americans signing on."

    A bit of a freudian slip there? At what point do I morph from being a "young and healthy American" into an "older and sicker patient"? Am I then no longer an American? When one enters that demographic, do they no longer matter to the "young and healthy Americans"? Is there a young and healthy American insurance company somewhere which previously had no elderly clients?

    Will Holtz-Eakin eventually be a liability when he/she becomes older and health problems become more likely? Inquiring minds (at least mine) want to know.-Paul
    Last edited by paul young; 03-13-2014 at 03:33 PM. Reason: punctuation
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  10. #20
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    Quote Originally Posted by shinyhead View Post
    I will state again that we have data going back 3 years in our database, GOVT requirement to retain our records for 3 years.
    Right because insurance companies don't have to collateralize expected losses based on the the risk profile of the policy holder base, current investment returns, actuarial studies based on their long term CBR, or renegotiate their re-insurance treaties, and refile their forms with the department of insurance in their state for approval. They can just pull old policies from their servers and offer exact same terms and rating.

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