Boots & Sabers

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Tag: Obamacare

UW Cuts Hours for Student Workers to Comply with Obamacare

Odds are that 75% or more of these students support Obamacare. The odds are also that fewer than 10% of those will make the connection between their politics and their livelihood.

UW-Madison is cutting the work week of its student employees to no more than 29 hours to conform to requirements of the Affordable Care Act, a move some student workers say will make it harder for them to stay in school.

“With less hours, many students will have to juggle two jobs, and that will definitely hurt academic success,” undergraduate student worker Reid Kurkerewicz said in comments provided by the Student Labor Action Coalition (SLAC).

“UW-Madison student workers would love to work less hours so they can put their academics first, but Chancellor Blank refuses to pay a living wage, making that impossible for many working class students,” said Jia Gonitzke, an undergraduate student worker.

Student leaders at SLAC, whose mission is to engage students in labor issues, say they are concerned that not only student workers, but other limited term employees of the UW-Madison will see cuts to their hours so that the university doesn’t have to offer them health insurance.

Big Obamacare Increases Coming in Wisconsin

Lovely. Thanks, Obama.

With the fourth open-enrollment period set to begin this fall for the marketplaces set up by the Affordable Care Act, it’s becoming clear that the market for health insurance has not evolved as expected, or hoped.

The market is smaller than projected. The people who have bought health plans overall are sicker than predicted. And health insurers have incurred larger losses than anticipated.

As a result, some large national insurance companies, including UnitedHealthcare, Humana and Aetna, plan to abandon markets across the country next year. And health insurers in Wisconsin are proposing the largest rate increases yet for health plans sold on the online marketplaces throughout the state.

The proposed increases could range from 5.44% to 37.88% statewide, according to filings with the federal government. In Milwaukee County, the smallest proposed increase is 9.06%.

Obamacare Premiums Going Up Again

I thought we created this monstrosity to make healthcare insurance more affordable? From MacIver:

Of the 87 Obamacare-compliant health insurance plans that reported rate changes to healthcare.gov, the average increase was 10 percent. Seventy-four plans requested increases, while 13 requested modest decreases.

The proposed 2017 double-digit price increases come on top of an 8.67 percent premium increase last year and a 17 percent increase in the cost of the deductible for silver plans.

“These products include plans which are compliant with all ACA requirements for inclusions on state and federal healthcare insurance exchanges. These plans have effective dates on or after January 1, 2014,” the website states. The 10 percent average is for plans whose rate changes would take effect on or after January 1, 2017.

The highest requested increase is a whopping 45.6 percent increase from Aetna for its small group indemnity plan. Aetna also requested a 38.8 percent rate hike for its preferred provider organization (PPO) plan.

Of the 87 plans, 15 requested an increase of 20 percent or more.Twenty plans requested an increase of between 10 and 19 percent. That means 35 plans, or 40 percent of all that requested a rate change, requested more than the 10 percent average.

UnitedHealthcare Exits Obamacare Exchange in Wisconsin

This was expected, but now it’s confirmed.

Insurance regulators in Wisconsin told the Star Tribune today that UnitedHealthcare will not be an option on the state’s health insurance exchange in 2017.

This isn’t surprising, really, given word earlier this week that the nation’s largest insurer currently plans to sell health insurance through exchanges next year in three states — Nevada, New York and Virginia.

But the company has not commented on exits from specific states until regulators in different states make the announcement.

Judge Rules Obama Violated Constitution for Obamacare Subsidies

It’s a step in the right direction, but we’ll see how the appeals go.

Washington (CNN)A federal judge ruled Thursday against the administration in a challenge to a portion of the Affordable Care Act brought by the House of Representatives.

At issue is the “cost sharing” provision in the law that requires insurance companies offering health plans through the law to reduce out-of-pocket costs for policy holders who qualify. The government offsets the added costs to insurance companies by reimbursing them.
But lawyers for the House argued that Congress did not properly approve the money for those reimbursements.
U.S. District Judge Rosemary Collyer, who was appointed to the bench by President George W. Bush, sided with the challengers but said that she would stay her ruling pending appeal.
“Congress is the only source for such an appropriation, and no public money can be spent without one,” she wrote.
The Obama administration is expected to appeal the decision.
At issue is a fundamental separation of powers issue. If the president can spend billions of tax dollars without Congress having appropriated the money to do so, then there ceases to be a reason for a Congress at all. We’ve vested the power of the purse in the Executive.

UnitedHealthcare Leaving Most Obamacare Exchanges

Ouch.

UnitedHealthcare, the biggest health insurer in the United States, said Tuesday that it plans to exit most of the Affordable Care Act state exchanges where it currently operates by 2017.

The health insurer had already indicated that it was dropping coverage of the plans, more commonly known as Obamacare, in Arkansas, Georgia and Michigan.

But during a conference call with analysts Tuesday, CEO Stephen Hemsley noted that “next year we will remain in only a handful of states.”

Hemsley explained that UnitedHealth will leave most states by 2017 because the markets for these exchanges are relatively small and also have higher risks for the company over the short-term.

Some Having to Pay Back Obamacare Subsidies

You’re welcome!

MADISON (WKOW) — If you have a federal health insurance subsidy through the Affordable Care Act, you might need to write a check to Uncle Sam.

A monthly premium subsidy is determined by the estimated income a person puts down at the beginning of each year.

But as many are finding out, earning any income above that estimate means you’re likely going to have to pay back some or all of the subsidy on your 2015 taxes.

It’s something that wasn’t spelled out by the federal government when people were signing up for those subsidies.

Obamacare Enrollees Sicker, Consume More Care

Once again, this was easily predicted before Obamacare was ever rammed down our throats.

Consumers who signed up for Blue Cross Blue Shield health plans through the Affordable Care Act’s insurance marketplaces these last two years tended to be sicker and incurred greater medical costs than people with BCBS coverage through their jobs.

The enrollees in those individual health plans in 2014 and 2015 had higher rates of diabetes, depression and heart disease, according to a report released Wednesday by the Blue Cross Blue Shield Association.

Medical costs for individuals who obtained coverage through the ACA’s insurance exchanges were, on average, 22 percent higher than those with employer-based coverage in 2015, according to the association. Average monthly medical spending per member was $559 for individual enrollees in 2015, for example, versus $457 for group members.

$750 Million Handed to Illegal Aliens through Obamacare

Wow. It’s almost as if the Obama Administration didn’t care if Obamacare dollars flowed to illegal aliens. And, by the way, we aren’t going to get that money back.

In March 2015, Chairman Ron Johnson of the Senate Committee on Homeland Security and Governmental Affairs initiated an inquiry into CMS’s eligibility verification process and into the process used to recoup improper payments. 2 The inquiry found that CMS had awarded ACA tax credits on behalf of more than 500,000 individuals who CMS later determined to be ineligible for coverage and tax credits. The inquiry also found that CMS and the IRS lack an effective plan to recoup credits that CMS awarded to ineligible individuals. The majority staff estimates that CMS distributed approximately $750 million in taxpayer funds in the form of tax credits, and anticipates that the IRS is unable to fully recoup the funds. This “pay and chase” model has potentially cost taxpayers approximately $750 million.

Pursuant to the ACA, if CMS cannot verify an individual’s citizenship, status as a national, or legal presence, CMS provides temporary coverage to the individual, including credits and subsidies, while it allows the individual to provide documentary evidence of his eligibility. If the individual does not provide sufficient documentary evidence of eligibility, CMS must remove the individual from coverage. Indeed, CMS has announced that it removed more than 500,000 individuals from health insurance coverage because of their failure to document citizenship or legal residency status.

Based on information provided to the Committee and the majority staff’s calculations, as of June 2015, the Administration awarded approximately $750 million in tax credits on behalf of individuals who were later determined to be ineligible because they failed to verify their citizenship, status as a national, or legal presence.

Obamacare Costing More, Performing Worse than Expected

I know… shocking.

Yesterday, in its budget and economic outlook for the next decade, the Congressional Budget Office (CBO) substantially changed its short-term Affordable Care Act (ACA) estimates in ways that show the law is performing far worse than expected. CBO’s new projection of 13 million exchange enrollees in 2016 is nearly 40% below previous expectations. CBO’s also projects that the average subsidy per enrollee in 2016 will increase by about 18% relative to its March 2015 ACA estimate—an indication that enrollees are both less healthy and poorer than the agency originally projected.

Additionally, the ACA’s Medicaid expansion is costing far more than projected because of higher enrollment and higher spending per enrollee. The costs of Medicaid expansion almost certainly exceed corresponding benefits given the findings of a recent study by MIT, Harvard, and Dartmouth economists that Medicaid expansion enrollees only receive about 20 to 40 cents of benefit for each dollar of program spending. Overall, CBO’s revision demonstrates that the ACA’s coverage expansion is primarily benefiting people earning less than 200% of the federal poverty level (FPL)—an income equal to $23,540 for a single person—while its costs, largely in the form of higher premiums and taxes and fewer health insurance choices, are widespread.

Obamacare at Work

It’s almost like someone could have predicted this.

UnitedHealth (UNH), which is weighing an exit from the Obamacare exchanges, reported it lost about $475 million on Obamacare-compliant plans in 2015 and expects to lose more than $500 million this year.

The insurer, the parent company of United Healthcare, ended last year with about 500,000 enrollees in Obamacare exchange plans. It expects that number to grow towards 800,000 during the 2016 open enrollment period, which ends Jan. 31, before dropping again as some members get jobs, stop paying premiums or find insurance elsewhere. (Also in 2015, it had about 150,000 enrollees who signed up outside the exchanges for individual policies that are compliant with Obamacare.)

UnitedHealth, which sat out the first year of Obamacare in 2014, said it is not looking to grow its exchange business. Instead, it has increased prices, eliminated marketing and commissions and withdrawn its top-tier products. In an effort to stem the losses, it is also working more closely with providers and enrollees to manage their illnesses and care.

Kentucky to Dismantle State Obamacare Exchange

I suspect more will follow.

(Reuters) – Kentucky Governor Matt Bevin has notified U.S. authorities that he plans to dismantle the state’s health insurance exchange created under the Obama Administration’s Affordable Care Act, the Courier-Journal reported on Monday.

Bevin’s office was not immediately available for comment.

Bevin, a Republican, has said his goal is to complete the transition of the state’s system, known as “kynect,” by the end of 2016 to the federal system, the Louisville newspaper said.

Obamacare Repeal Heads to Obama’s Desk

Yes, he will veto it, but this is how our system is supposed to work. The Republican majorities in Congress were elected for a reason.

Washington (CNN)The GOP-controlled House of Representatives on Wednesday afternoon passed legislation that would repeal Obamacare, and after more than 60 votes to roll back all or part of the law, the bill dismantle it will finally get to the President’s desk.

But it won’t stay there long; President Barack Obama has vowed to veto any Republican bill that guts his signature health care law, a five-year-and-counting effort.

The vote was 240-181, largely along party lines.

Obamacare Needs the Young

It’s almost as if someone could have predicted this

Robert Laszewski of Health Policy and Strategy Associates has contended that the health plans “are just plain unattractive” because of their high premiums, deductibles and copays for people who don’t receive the additional subsidies.

“The value simply isn’t there for the working and middle class — unless of course you are sick,” Laszewski, a Wausau native, recently wrote in a column for Forbes magazine.

The cost still is high even if you are sick. The lowest-cost health plan in Milwaukee County — sold by Molina Healthcare — requires 30% coinsurance payments if someone is hospitalized, until the out-of-pocket maximum of $6,850 is reached.

Even for common health care expenses, the limited coverage provided by some plans sold on the marketplaces can be frustrating.

Kathryn Bruce, 28, bought the least expensive health plan this year. She pays only $15 a month, but the plan has a $5,000 deductible. When she got the flu and her doctor prescribed Tamiflu, an antiviral medication, she learned that it would cost her $400.

“I was just blown away by it,” said Bruce, who lives in Milwaukee. “They can diagnose you, which is free. But getting better is the most expensive part.”

The only way insurance works is when there are a lot of people who buy it and don’t use it. For health insurance, that means a lot of young, healthy people need to buy insurance to pay for the old, sick people who use it. But when the insurance is so expensive, it is difficult for a young, healthy person to justify it. And for the vast majority of those young people who choose to go without insurance, they will be just fine. In hindsight, it will be a good bet for them.

But Obamacare can’t tolerate such decisions. The young people who do not need health insurance NEED to pay into it so that the old people can have their bills paid. So our government will now force the young folks to pay a bunch of money for insurance they don’t need.

Of course, health insurance is always a good idea to protect yourself in the event you have a catastrophic health need, but we, as a society, could have addressed that sliver of circumstances without the monstrosity that is Obamacare.

Obamacare Eating Into Planned Parenthood’s Profits

I finally found something about Obamacare that I like.

Many formerly uninsured women who once depended on Planned Parenthood for low-cost access to birth control, abortions and other reproductive healthcare have gotten coverage under President Barack Obama’s healthcare law, making them less reliant on the organization’s 700 clinics.

In many states, Planned Parenthood is losing clients as newly insured patients turn to medical providers included in their health plan’s networks, according to data provided to Reuters and interviews with more than two dozen of its affiliates.

“Some people relied on us because they were uninsured prior to the Affordable Care Act. Now they can go anywhere for care, and some of them have been,” said Lori Carpentier, president and CEO of Planned Parenthood of Mid and South Michigan, which expects to treat 58,000 patients in 2015, down about 15 percent from the 68,000 it treated in fiscal 2012, before major parts of the law went into effect.

Federal Judge Rules Against Contraception Mandate

Good. Being able to freely act according to one’s conscience is a right that should be, and used to be, protected in our nation.

It sued the Obama administration last year, calling the contraceptive mandate unconstitutional because it granted an exemption to churches, synagogues and other religious institutions but did not extend the same carve out for non-religious groups that raised ethical — and not religious — objections.

In his ruling, Leon agreed with that reasoning, saying the contraceptive requirement violated the Constitution by treating religious and nonreligious groups differently.

March for Life closely resembles religious groups in that its employees do not wish to use birth control, Leon wrote, but the U.S. Department of Health and Human Services had nonetheless chosen to “accommodate this moral philosophy only when it is overtly tied to religious values.” The government, he said, had created a framework of “regulatory favoritism.

“HHS provides no principled basis, other than the semantics of religious tolerance, for its distinction,” Leon wrote. “If the purpose of the religious employer exemption is, as HHS states, to respect the anti-abortifacient tenets of an employment relationship, then it makes no rational sense — indeed, no sense whatsoever — to deny March (for) Life that same respect.”

Obamacare Ruling

I can’t say much more than Scalia already did. The Supreme Court beclowned itself in its Obamacare ruling and rendered themselves just another political judicial body. Unfortunately, it’s one with lifetime appointments.

On the argument the state subsidies violates the act:
“Words no longer have meaning if an Exchange that is not established by a State is ‘established by the State. You would think the answer be obvious — so obvious there would hardly be a need for the Supreme Court to hear a case about it. The Secretary of Health and Human Services is not a state.”

And he added…
“The Court solves that problem (believe it or not) by simply saying that federal exchanges count as state exchanges only…for purposes of the tax credits.  How wonderfully convenient and how utterly contrary to normal principles of interpretation.”

IRS Fiasco

Soooo… taxes will be higher and even more complicated, but the IRS is in no position to help at least half of the people. This is government working?

WASHINGTON (AP) — Filing a federal tax return is about to get more complicated for millions of families because of President Barack Obama’s health law. But they shouldn’t expect much help from the Internal Revenue Service.

Got a question for the IRS? Good luck reaching someone by phone. The tax agency says only half of the 100 million people expected to call this year will be able to reach a person.

Callers who do get through may have to wait on hold for 30 minutes or more to talk to someone who will answer only the simplest questions.

Obamacare Website Hacked

Uh huh.

Hackers silently infected a Healthcare.gov computer server this summer. But the malware didn’t manage to steal anyone’s data, federal officials say.

Given their track record, are you confident in HHS’ assertions here?

Yea, me either.

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