The Affordable Care Act - Obamacare/Justice Roberts care - requires DEPT of HEALTH and Human Services to monitor claims denials and provide info to the public BUT government officials coopted by the industry simply don’t bother. The risk of having our health insurance claims denied is roughly 10 times what it was a decade ago. THE ROTTED GOVERNMENT Obamacare IS THE PROBLEM and bought the insurance companies - FACISM. The rotted government is allowing claims denial to become a major profit center for insurers. Americans are not really insured if claims can be denied. ACA refuses to pay on average 17% of claims and the reason for this is … a black hole of silence. State regulators are no better and just as corrupt. Summarized from the article written by Betsy McCaughey, New York Post.
OBAMACARE has to be ENDED. Trump had almost done that until the TRAITOROUS LYING RAT McCain decided to stick it to Trump because Little Johnny’s ego was bruised and so McCain stuck his middle finger on the face of AMERICANS and VOTED to keep the monstrosity unlawful UNCONSTITUTIONAL corrupt lousy Obamacare.
The one thing that Obamacare fixed that I know off is insurance companies being able to deny payment / not cover pre-existing conditions which was brutal - I definitely don’t want insurance companies be able to revert to that.
The problem with the ACA is that it was more or less written by health insurances.
What HHS needs to do is review and analyze top ranking countries that get health insurance right and then adapt what’s best and not let health insurances write their own ticket.
Out of pocket deductibles are unheard of in some Western European country. Yes, they might pay 5 Euros (roughly 5 bucks) for one prescription but there is also a limit of how much your max is (and it’s definitely not hundreds or thousands of Euros).
I lived in Europe many moons ago and never saw a medical bill. I got statements for services rendered but the insurance covered all of it. No copay, no out of pocket.
As a retired expert in universal and single payer systems there is no doubt the ACA has and has had it’s share of problems. because it was designed totally ass backwards by people with zero experience. However denying claims does not relate to profitability. Totally unrelated. That said abolishing the ACA would be a huge mistake if the goal is a universal or single payer system, The ACA only works and only becomes “affordable” if EVERYBODY is in it which is easy to fix, However all the legislative issues necessary for a national system are already done within the ACA. Fixing it is far easier and faster than starting all over.
What President Trump has to do is get rid of OBAMACARE that is a disaster and a corruption and a fraud. GET the government out of our lives!
A National Health Care System is DISASTER. End Obamacare. SOCIALIZED medicine in DEATH. Just look at the countries that have it - HORRENDOUS. The federal government has NO CONSTITUTIONAL right to be in healthcare and Obamacare has destroyed our health care and our connections with our doctors and ruined many hospitals. THE ACA NEVER become affordable - NEVER and why should CONGRESS have GOLD HEALTHCARE and THE PEOPLE nothing…
THE ANSWER is to END OBAMACARE and start again and the next system has to have an end date in which people get private insurance and group insurance - Once government has socialized healthcare it controls EVERYTHING about a citizen and THAT is TYRANNY,
ACA was never law because it never originated in The House and so it is UNCONSTITUTIONAL of that and because Justice JOHN ROBERTS took power he does not CONSTITUTIONALLY have and rewrote the non-law and made his own law LAW! GET the government out of our lives and prices will fall and product excellence will rise because of COMPETITION. THE GOVERNMENT has no right to tell citizens who can and cannot have ANYTHING, much less medical care. CONGRESS has GOLD healthcare - imagine how much we THE TAX PAYERS have paid for NAZI NANZI PELOSI’S luxury non-essential “trip” to Europe and THEN PAID FOR THE CORRUPT fossil to have a HIP REPLACEMENT!!!
NANZI should pay for her own! WHO gives a damn about EUROPE. THIS IS the capitalist USA. Go back to EUROPE if that makes you happy and leave the REST of AMERICAN CITIZENS FREE.
ABSOLUTELY kill Obamacare. SOCIALIZED medicine is a death sentence. ACA never becomes “affordable” and we do not want GOVERNMENT to decide who lives, dies, has children, gets medicine, survives… GET THE ROTTED GOVERNMENT OUT of our lives. UNCONSTITUTIONAL government tyranny.
Government Healthcare by Tyrants is the reason we had the COVID Lockdowns, Vaccine Mandate, Forced Compliance.
Ann Marie
Please see my policy and link below. This policy will help healthcare in America.
They are defrauding the elderly for Healthcare they never get and come to collect the debt (their properties) from their survivors. You don’t want the government put a lean on your inheritance for 'health" services your relatives never got.
Have not yet been able to read and absorb all you have. written, but so appreciate the information, Scott. Hopefully, Obamacare can be ended soon.
By tippinsights Editorial Board • 17 Dec 2024
MIT economist Jonathan Gruber, the “Obamacare Architect,” said in an explosive video that the bill was cleverly written to cheat Congress - “to ensure that the Congressional Budget Office (CBO) did not score the Obamacare mandate as taxes. If the CBO scores the mandate as taxes, the bill dies.” Gruber went on to argue that “the lack of transparency was a huge political advantage.”
Had the public been educated about the actual architecture of Obamacare—that a vast pool of healthy people pays into it to subsidize an enormous array of mandated benefits, including mental health counseling, for a relatively few—the bill would never have passed. But President Obama, working closely with former House Speaker Nancy Pelosi, bribed, cajoled, and even cheated to get the Affordable Care Act passed in 2010. The bribe happened when Obamacare benefits (premium subsidies, Medicaid expansion, cost-sharing reductions, and pre-existing conditions protections) were rolled out immediately - first to hook Americans into the program - with the costs (higher taxes, individual mandates, and employer mandates)) kicking in much later.
Fourteen years later, excessive government mandates to micromanage benefits have lowered competition among insurers, just like unrealistic mandates from the Dodd-Frank legislation after the 2008 financial crisis legitimized the creation of the “Too Big To Fail” banks. The five largest insurers - UnitedHealth, Kaiser Permanente, Anthem, Centene, and Humana - control 40% of the market.
Insurers dominate geographic regions by skillfully dividing up locations, and in some heavily populated areas, a single provider serves more than 50% of the market. The so-called “Healthcare Marketplace” is a joke. A family of two relatively healthy non-smokers on an Obamacare Bronze Plan can end up paying nearly $1,500 a month in premiums, with federal subsidies of almost $900 lowering the cost to the couple. But the entire $1,500 a month goes to the insurer. When it is time for the couple to claim benefits, they have to fulfill exorbitant deductibles amounting to $15,000 per annum. Plus, there are co-pays. In effect, insurers collect nearly $35,000 each year before paying out a single dollar in claims.
In 2023, UnitedHealth Group’s revenue grew to $371.6 billion, an increase of 14.6% from 2022. Full-year 2023 earnings from operations were $32.4 billion, an increase of 13.8%. Net earnings in 2023 increased to $22.3 billion, compared to $22.1 billion in 2022.
The Left engineered the creation of bureaucratic monopolies in the healthcare industry obsessed with regulating products and an addiction to deficit spending, throwing money away to keep the Obamacare boondoggle alive. The Left has no moral standing to protest high prices and poor service and denied claims for a vast majority of people - because they caused the problem.
Unfortunately, the “You break it, you pay for it,” store axiom doesn’t apply in America. The Left breaks it; all of America pays for it.
Insurance Co. Need to be legally able to sell policies in EVERY STATE! T o open up COMPETITION
Remember when ACA was to force everyone to have health insurance, and if they didn’t, were charged a penalty in addition to their taxes. Many couldn’t afford the insurance, or the penalty. Trump removed the forced ACA for future years, however he did not remove the previous years unpaid penalty tax. So now the IRS feels it is their responsibility to send yearly bills for unpaid Shared Responsibility tax from the years it was forced on the American people, with added interest!! Those who couldn’t afford it to begin with are being harassed to pay the past years penalty tax, along with interest. These unfair, unconstitutional, IRS Unpaid Shared Responsibility Payment Taxes must be removed permanently. Thank you. We are counting on the Trump Team!!
To be honest Ann Marie the ACA has nothing to do with private insurance or its’ costs. The ACA is group insurance. However it is a specialized group of mostly sick and therefore expensive people. There are few healthy people to offset the cost of the sick ones. The gov’t has no involvement in the ACA beyond using YOUR tax $'s to offset the high premiums of ACA members so it appears to cost less…TO THEM and only them and does nothing for anyone else, As you know private insurance cost 40% more than it should due to the negative effects of Medicare. The only way to fix things is to reform Medicare and that pathway is thru the ACA.
Sorry Anne Marie but the ACA is not socialized medicine and the gov’t does not partake in the day to day business of the ACA. The people do. The VA is socialized medicine. I’m not sure what your endgame is. The ACA is nothing more than a framework, much like Medicare & Medicaid and has nothing to do with Drs. or hospitals, etc. As I stated the ACA was a predictable failure long before implementation. It didn;t work on paper. The operating mechanics were directly opposite of the legislative intent and thus the negative result. My point is simple. The ACA is fixable. The framework is exactly what is needed for a universal system, Burning down the whole house means starting over. Fixing the ACA will reduce the cost of pvt. insurance by 30-40% for reasons that night be difficult for many to understand,
Bad idea Shawn. It will hurt more people than it will help. Insurance companies don’t really compete and they don’t set their own pricing. State ins. depts. tell them what they must charge to stay solvent. It is simple. Younger, healthier people cost less. Insurers do not profit from claims. They make their money in claims administration which is usually a percentage of claims. Higher claims=higher premiums-higher administrative revenue. Insurance companies can and do sell policies in evry state in which they are LICENSED to do so. Just like car insurance.
The ACA is UNCONSTITUTIONAL and, therefore, has to be destroyed. The FEDERAL GOVERNMENT has NO CONSTITUTIONAL right to be involved in our medical system. and the point that ACA is “fixable” has no merit. What a laughable illogical “argument.”
OUR CONSTITUTION denies any “universal system” of ANYTHING. Burning down the house means BURNING DOWN THE HOUSE. Nothing has to be rebuilt except FREEDOM. “FIXING” the tyranny called ACA, which has destroyed hospitals, also, will do nothing but further destroy our medical system and it will do NOTHING to lower medical costs.
Just as in all, things, once the government gets involved, corruption and higher costs and poor results are the price. Obama the Marxist Islam traitor’s own henchman who helped write this tyrannical monster called ACA admitted that and laughed at the American People. That includes all the government involvement in “lowering” the cost of medicine - LOL - when, in fact, ACA and the rest are FACIST systems that demand business collusion with government. THAT IS EXACTLY why insurance (joke) costs have risen beyond measure - because ACA allows and wants insurance claims denied so that BOTH the business and government make $$$. ACA is NOT LAW - it did not originate in THE HOUSE and was passed by that imperious rat called Justice Roberts who rewrote it and called his own version law. JUSTICES take an OATH to uphold The constitution and not to pass their own ideology.
Thanks for playing.
Thank you for this awesome breakdown. Sincere Questions - Where is the root of the problem? And then WHAT IS THE FIX?.. how do we all get medical treatment and not be penalized finacially for being sick or old ? HELP!
The ROOT of the “problem” is government and The Catholic Church that pushed for the rot called Obamacare because it does not want to pay the healthcare of its employees and McCain who threw his middle finger in the face of Americans and out of spite voted to keep the FACIST program !
The Fix - get the government the hell out of healthcare.
How do we ALL get treatment? WHO KNOWS because, truthfully, everyone will not be covered and they are not covered now. Those who can’t afford treatment costs go to the Emergency Room and WE ALL PAY FOR THEM thanks to REAGAN. Most of those people are drug addicts looking for pills while pretending to be ill. END Clinton’s demand that all hospitals pay for foreign language experts to help interpret - use that $$ for citizens’ care.
END CLINTON’S demand for prescription insurance in order to get MEDICARE!! That is coercion and UNCONSTITUTIONAL and FACIST collusion with BIG PHARMA. THAT also raises prices of drugs and awards BIG PHARMA and INSURANCE COMPANIES at the cost of consumers! MAKE medicine in the USA - the little extra cost will be more than absorbed by JOBS for citizens and protect our medical supply and supply us with lower-cost medicine by boosting our economy. WHO knows what is in medicine made in CHINA??
Many group policies could and do cover a host of people: business coverage plans, plans affiliated with religious groups, group plans for …create the group - Insurance Companies will create those. LOOK at what The Church of Latter Day Saints does: medical insurance for all members and college plans for Brigham Young and their other college.
The Catholic Church can do so and the Episcopal Church and the Evangelical Churches and Baptist churches can also do so and GROUP coverage is far less expensive than individual plans.
Cities can be incentivized to establish small walk-in clinics where people can get help for non-emergency problems. That last rat Mayor of New York wife was GIVEN 9 MILLION to establish that very thing and guess what - NONE WERE CREATED and no one knows where that 9 MILLION IS.
Just like saving Social Security - INCREASE the social security tax on BILLIONAIRES first million rather than their first $100,000 or $200,000. Change the old stupid way social security fiunds are invested. WE LOSE A BILLION a year from the idiotic investment strategy.
States need to set up an “emergency medical care cost” program for CITIZENS whose medical bills are massive BUT that has to be directed by citizens themselves who are rotated out every three years with other citizens taking their turns. ANY proven corruption in that program should be punished by two year prison term, and that fund could be paid for by a 2% tax OR better yet have AMERICAN BILLIONAIRES and multi-millionaires asked to donate the start-up funding for all 50 states and their donations made public. Each state receiving an equal share for starters. Think Bezos needs another yacht? WHY NOT? Look what the so-called “robber barons” did for AMERICA and AMERICANS in their generosity. SCHOOLS, LIBRARIES, MUSEUMS and more. Gates, Bezos, Steyer, Buffet, Zuckerberg, Musk, and on and on - thousands of these people.
TAX remittances by 35% and use that $$. BILLIONS flow out of our country through remittances. MAKE people pay their back taxes and cut the IRS by half and overhaul the tax code - LOL stealing by government -and use that money to create these care centers in our cities.
LOOK what the amazing charity hospitals do for children - St. Jude, Shriners for starters - donations that allow free care and housing for families. Apply the same.
Look at the funding for MERCY SHIPS. Have those ships along our coastlines for the AMERICAN poor.
GETTING the government out of our healthcare will IMMEDIATELY improve costs and quality of care. ILLEGALS have destroyed several charity hospitals whose mission was to care for poor CITIZENS through their demands for care. WHY are we paying for them??? Why do we allow illegals here to live off our backs and destroy care for our citizens???
OUR OWN CITIZENS NEED the care.
OUR GOVERNMENT wastes TRILLIONS every year. STOP payments to foreign countries, END payments to Planned Parenthood and NPR and COWBOY POET’S SOCIETY and LSBTQAUNDTS**** and every other WASTE and direct that money to the state “emergency medical coverage bill care” that would help those who cannot pay and prevent penalties!
GOVERNMENT IS THE PROBLEM. WE are the solution and should demand it takes place.