Uh oh: Many younger consumers won’t get subsidies in ObamaCare exchanges

posted at 1:11 pm on November 25, 2013 by Ed Morrissey

If CNN’s analysis is correct, then the website is the least of the White House’s worries on ObamaCare.  The administration, specifically Kathleen Sebelius, insisted that anyone earning less than 400% of poverty level would qualify for subsidies on the exchanges, but that may not actually be true.  Thanks to a complicated formula for subsidies, the system will exclude many lower-income younger consumers from subsidies … the very people the ObamaCare program needs to sign up to keep the system from collapsing (via NewsAlert):

But a CNN analysis shows that in the largest city in nearly every state, many low-income younger Americans won’t get any subsidy at all. Administration officials said the reason so many Americans won’t receive a subsidy is that the cost of insurance is lower than the government initially expected. Subsidies are calculated using a complicated formula based on the cost of insurance premiums, which can vary drastically from state to state, and even county to county.

That doesn’t change the fact that in Chicago, a 27-year old will receive no subsidy to help offset premiums of more than $165 a month if he makes more than $27,400 a year.

In Portland, Oregon, subsidies for individuals making just $28,725 a year phase out for those younger than 35 years old.

CNN compares this to testimony from Sebelius in April, in which she told Congress that anyone under the 400%  of poverty level line would qualify for federal subsidies in the exchanges:

Back in April, Health and Human Services Secretary Kathleen Sebelius told a congressional subcommittee that any individual making under that $45,960 threshold — or four times the poverty level of $11,490 for an individual — would qualify for “an upfront tax subsidy.”

“Somebody who’s making $25,500 would definitely qualify for a subsidy if he or she is purchasing coverage in the individual market,” Sebelius added.

Despite the secretary’s assurance, a 25-year-old living in Nashville, Tennessee, making $25,500 will not qualify for a subsidy, for example.

The trigger on this is the premium price for a qualifying “bronze” plan in the exchange for the consumer.  If the premium does not go over a certain percentage of income, then the formula produces a zero for the calculated subsidy.  The problem for these consumers is that the baseline plans still cost more than their previous options, and have large deductibles to boot.  That sets the incentives for younger consumers to bail out of the system, paying the fine and only signing up for insurance after a catastrophic event, which they cannot be denied under the new law.

That will mean disaster for the ObamaCare system, as CNN notes in this video:

If the subsidies don’t show up, neither will these consumers. They’d be better off paying retail, which thanks to the enormous deductibles in these comprehensive plans they’d have to do anyway, rather than premiums and retail for provider services. And this is yet another point on which the administration has been less than honest with the very people who backed them through two successive presidential elections.


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If only Obama had more time to get the message out!

Curse those evil Republicans!

Gatsu on November 25, 2013 at 1:15 PM

and the hits just keep coming!

DanMan on November 25, 2013 at 1:15 PM

The Chinese are purchasing homes in CA and NYC. Can also somehow have them purchase Obamacare? Oh, wait we sell them debt.

Oil Can on November 25, 2013 at 1:15 PM

Because of the enormous price increases, I’m betting that even people who do get subsidies will end up paying a higher net price for coverage than the comparable plan pre-ZeroCare.

This thing stinks to high heaven. Not that Obama/Pelosi/Reid care two whits.

MTF on November 25, 2013 at 1:17 PM

Big squirrels, over there…Iran…Amnesty…

The young w/b very stupid if they even went to the site.

So would anyone else, except the moochers and bloodsuckers of the land.

Schadenfreude on November 25, 2013 at 1:17 PM

At DCCC fundraiser in Seattle, Pres Obama says “it’s understandable” some people “feel disturbed or concerned” about making progress.

– Mark Knoller

obama is the most transparent charlatanic thug of the USA, ever.

Schadenfreude on November 25, 2013 at 1:19 PM

Another day, another Administration Obamacare lie….

The problem for these consumers is that the baseline plans still cost more than their previous options, and have large deductibles to boot. That sets the incentives for younger consumers to bail out of the system, paying the fine and only signing up for insurance after a catastrophic event, which they cannot be denied under the new law.

And imagine what that is going to do to the cost models of the private insurers? This risk is one of the things that they are going to have to price into their premiums – increasing them even more.

If the subsidies don’t show up, neither will these consumers. They’d be better off paying retail, which thanks to the enormous deductibles in these comprehensive plans they’d have to do anyway, rather than premiums and retail for provider services. And this is yet another point on which the administration has been less than honest with the very people who backed them through two successive presidential elections.

The callous and utter contempt that the Administration demonstrates, not only to their own supporters, but all Americans, highlights an Administration that sees itself at war with it’s own country. We are all little more than fodder or useful idiots to facilitate ‘fundamental change’.

Athos on November 25, 2013 at 1:19 PM

Administration officials said the reason so many Americans won’t receive a subsidy is that the cost of insurance is lower than the government initially expected.

Say what?

WitchDoctor on November 25, 2013 at 1:21 PM

The administration, specifically Kathleen Sebelius, insisted that anyone earning less than 400% of poverty level would qualify for subsidies on the exchanges, but that may not actually be true.

A lie? From this Administration?

Say it ain’t so!!

Bitter Clinger on November 25, 2013 at 1:21 PM

That will mean disaster for the ObamaCare system, as CNN notes in this video:

That will mean YET ANOTHER disater for Obamacare. Because there isn’t one aspect of Obamacare that has gone well so far.

The spin over the weekend was interesting. Focusing on the uninsured “finally able to get affordable low cost health insurance.” Unspoken in all of this is the fact that these are takers from the system not the high-quality participant that is expected to pay the bill of all these wonderful new fans of Obamacare. In other words, Obamacare may be filled with new enrollees but they are the wrong kind to sustain the whole ponzi scheme.

Happy Nomad on November 25, 2013 at 1:21 PM

Administration officials said the reason so many Americans won’t receive a subsidy is that the cost of insurance is lower than the government initially expected.

Say what?

WitchDoctor on November 25, 2013 at 1:21 PM

Kind of scary to think what they “initially expected”, isn’t it?

Bitter Clinger on November 25, 2013 at 1:22 PM

Pay if forward & smile, young ones.

portlandon on November 25, 2013 at 1:22 PM

If you kids are looking for sympathy, you know where to find it in the dictionary.

All you young kids fell for it and voted overwhelmingly for him. Perhaps you will learn, but I doubt it.

BTW hope it hurts even more to learn the government $41 Billion in profits on your student loads (one one’s you will never pay off because you can’t find a decent job).

Agent of the Cross on November 25, 2013 at 1:23 PM

The young w/b very stupid if they even went to the site.

So would anyone else, except the moochers and bloodsuckers of the land.

Schadenfreude on November 25, 2013 at 1:17 PM

But….but……but…… Beyonce told us to sign up. The Baltimore Ravens and Pittsburgh Steelers told us to sign up. Obama told us to sign up and then help our more seasoned friends and relatives (who are far less cool and tech saavy) to sign up.

The young face the stigma of not being hipsters if they opt out of Obamacare. Why do you hate them?

Happy Nomad on November 25, 2013 at 1:25 PM

More Brosurance posters, stat!

Uh oh: Many younger consumers won’t get subsidies in ObamaCare exchanges

Hah, and why should they? Just fork over your money for old sick people who make more than you. Hey, you likely voted for the guy.

Dash on November 25, 2013 at 1:25 PM

John Podhoretz reiterates what we all know:

Why Obama can’t wave away this scandal
The media shielded the president from every criticism — until he betrayed a liberal cause

…there’s a deeper reason he and his people lied: They did it because they could. They did it because nearly five years in the White House had given Obama and his team confidence they would not face the music and they could finesse the problems until they got fixed.

Consider the events that would have been unprecedented scandals in a Republican administration — with teams of reporters digging and scratching daily at every nook and cranny in every bureaucratic corridor — that have instead been covered dutifully but with relatively little passion and almost no follow-up. Why? Because it would have hurt Obama, that’s why.

First, the Obama Justice Department.

Second, the Internal Revenue Service.

Third, the State Department.

Fourth, making law from the White House.

So, if you want to understand the blindness and arrogance of the Obama White House in failing to appreciate the wave of rage and disappointment and disgusted wonderment that would hit them in the wake of the ObamaCare rollout, you need only consider these factors.

He has always had the protection of his liberal base.

He has always had the protection of Senate Democrats, who have not acted in any way to trouble him regarding these scandals and who have impeded aggressive investigations into them.

And he has always had the protection of the mainstream media.

As a result, Barack Obama and his administration have said what they felt they needed to say and done what they felt they needed to do for immediate political gain. They did so this time. But this time was different, because this time he was mishandling and discrediting the great liberal desideratum of our time — a national health-care system.

This time he hasn’t gotten away with it.

Yet.

INC on November 25, 2013 at 1:27 PM

Oh, it gets much better than this:

Because your income is equal to 99% of the poverty level, you will not be eligible for tax credits in the exchanges. Tax credits are only available to people who make between 100% and 400% of the poverty level. Keep in mind that these results are estimates and you can still apply for exchange coverage if you are interested in receiving a tax credit. The information below is about unsubsidized exchange coverage:

Household income in 2014: $11,37

5Maximum % of income you have to pay for the premium, if eligible for a subsidy: None Health Insurance premium in 2014 (for a silver plan, before tax credit): $2,049 per year

You could receive a government tax credit subsidy of up to: $0 per year
(which covers 0% of the overall premium)

Amount you pay for the premium: $2,049 per year
(which equals 18.01% of your household income and covers 100% of the overall premium)

Because your income is equal to 101% of the poverty level, you may be eligible for tax credits in the exchanges. Tax credits are only available to people with incomes between 100% and 400% of the poverty level. The information below is about subsidized exchange coverage:

Household income in 2014:
$11,605

Maximum % of income you have to pay for the premium, if eligible for a subsidy:2%

Health Insurance premium in 2014 (for a silver plan, before tax credit): $2,049 per year

You could receive a government tax credit subsidy of up to: $1,816 per year
(which covers 89% of the overall premium)

Amount you pay for the premium: $232 per year
(which equals 2% of your household income and covers 11% of the overall premium)

The best part of this is that the democrats blame the Republicans for this situation because the Republican governors declined the medicaid expansion. But given that Medicaid is almost completely useless, it’s pretty evil to drive up premiums, then force the poorest to either pay full price, or get on medicaid, while the slightly less poor get the exchange plans virtually for free.

On the other hand, some of these plans have such small networks that they may well end up being as bad as or worse than Medicaid, so who knows which income bracket will be more screwed in the end.

I can’t wait to find out what other fun surprises are buried deep in those pages.

RINO in Name Only on November 25, 2013 at 1:27 PM

“…………….to know what’s in it.”

In other words, don’t believe us.

FOWG1 on November 25, 2013 at 1:28 PM

But…but…he’s so cool and black!!!

SouthernGent on November 25, 2013 at 1:28 PM

Having people pay directly for most non catastrophic medical care is the best possible outcome of any medical care reform. People paying cash are going to be more modest users of medical care, will possibly shop around for the best quality/price deal they can.
Obamacare, ending up with conservative changes after all?
The only thing missing is the catastrophic insurance option at a market determined affordable rate.

astonerii on November 25, 2013 at 1:28 PM

Administration officials said the reason so many Americans won’t receive a subsidy is that the cost of insurance is lower than the government initially expected.

Say what?

WitchDoctor on November 25, 2013 at 1:21 PM

~~~~~~~~

Hahaha, too funny…they sold this in part because they said health care costs were SOOOOOO high, and they were going to fix that…turns out, they lied about how high the costs *were*, and “fixed” that by…making costs higher for everyone. That’s government for you.

ellifint on November 25, 2013 at 1:29 PM

Further, I don’t understand how subsidized youths signing up benefits the system. Subsidies cost $. That would be a drag on the system? A mess?

anotherJoe on November 25, 2013 at 1:30 PM

Old and busted: “Who’s FICA and why is he taking all my money?”
New Hotness: “Who’s ACA and why is he taking even more of my money?”

I try not to think about the poor families and those with illnesses suffering. Instead I try and think about the 27 year old, thick frame wearing hipster who sneered at Romney and calls Bush a Nazi who just found out that $2,000/year is now gone to pay for birth control, substance abuse, etc.

Side note, all that extra $ being taken from people will definitely get this economy jumping again right?

nextgen_repub on November 25, 2013 at 1:30 PM

Y-y-y-ya mean… He lied?

Whada bummah. Eat your turdburgers boys and girls.. It’s tasty! He promised!

/

Key West Reader on November 25, 2013 at 1:31 PM

Falling apart at the seams. So much fun for the holiday season!

Texas Zombie on November 25, 2013 at 1:32 PM

The vast majority of the currently uninsured and who do not qualify for Medicaid are going to pay the 1% penalty of their salary which is much cheaper than any Obamacare crappy insurance plan they will purchase even with huge subsidies… It is simple logic and even the dumbest of the dumb can make this simplest of money and spending decision…

If someone makes $ 30,000 a year his penalty for not paying for a healthcare insurance is $ 300 a year… That is much cheaper than any Obamacare plan even with all type of subsidies…

mnjg on November 25, 2013 at 1:35 PM

Ever wonder why house sales have been dropping the last 5 months?
Could it be people are realizing that money for the house payment now has to go to ObamaCare?

albill on November 25, 2013 at 1:35 PM

“It has nothing to do with the economic incentives. The fact is anyone who does not sign up for Obamacare is a racist extremist who hates President Obama because he’s a black man.”

- Martin Bashir
- I mean Jeanine Garofolo
- Oops, I mean Bill Mahrer
- Uh, oh, I meant Pelosi
- Did I say Pelosi? I meant Reid
- And so on and so on

SoRight on November 25, 2013 at 1:37 PM

Why do we keep reporting stories about Obama and Sebelius lying as though they are news? Virtually every single word they utter is a deliberate lie. It should come as no surprise at this point.

Shump on November 25, 2013 at 1:37 PM

Pass it around. Simply put and true, even understood by the LIVs.

The folks who are getting the free stuff don’t like the folks who are paying for the free stuff, because the folks who are paying for the free stuff can no longer afford to pay for both the free stuff and their own stuff.

And the folks who are paying for the free stuff want the free stuff to stop.

And the folks who are getting the free stuff want even more free stuff on top of the free stuff they are already getting!

Now… the people who are forcing the people who pay for the free stuff have told the people who are RECEIVING the free stuff that the people who are PAYING for the free stuff are being mean, prejudiced, and racist.

So… the people who are GETTING the free stuff have been convinced they need to hate the people who are paying for the free stuff by the people who are forcing some people to pay for their free stuff and giving them the free stuff in the first place.

We have let the free stuff giving go on for so long that there are now more people getting free stuff than paying for the free stuff.

Now understand this. All great democracies have committed financial suicide somewhere between 200 and 250 years after being founded. The reason?

The voters figured out they could vote themselves money from the treasury by electing people who promised to give them money from the treasury in exchange for electing them.

The United States officially became a Republic in 1776, 236 years ago. The number of people now getting free stuff out numbers the people paying for the free stuff.

Failure to change that spells the end of the United States as we know it.
ELECTION 2014 IS COMING

A Nation of Sheep Breeds a Government of Wolves!

Schadenfreude on November 25, 2013 at 1:39 PM

Shump on November 25, 2013 at 1:37 PM

Because this time the MSM and Congressional Dems are freaking out over it. Not to mention some Obama voters are finally waking up.

INC on November 25, 2013 at 1:39 PM

It would have been nice if the media had done reports like that before the bill was passed and before the elections instead of just parroting talking points like “You guys, if you’re 26 or under, you’ll be covered on your parents’ plan!”

forest on November 25, 2013 at 1:40 PM

In his post on his blog today, conservative talk radio host Hugh Hewitt takes the NYT shill, Paul Krugman to task for his latest effort to pump up Obamacare by using CoveredCA.Com, the state exchange for California, as an example of Obamacare working when the website works.

Unsurprisingly, Krugman takes the propaganda and spin from Covered California with neither question or any viable application of critical thinking.

On Friday, Hugh Hewitt interviewed Dana Howard, a Deputy Director of Covered California, on his radio broadcast. Some of the information, at the above link, is quite enlightening.

HH: Your goal is to have 465,000 people enrolled by March 31st of 2014?

DH: That’s correct.

HH: And you’ve got 80,000 thus far?

DH: Yes.

HH: What was the mix of the 465,000 by demographic? What’s the estimate there that you need to make this pool work?

DH: No, we do not have a figure as far as what we have to have in each particular demographic.

HH: You don’t have an actuarial projection of viability?

DH: No, not in the sense that this is what we have to have in order to make ourselves be able to be sustainable. We do have overall numbers as far as the pool goes. But we are not looking at what we need, people, well, this many people in this particular age, or this particular ethnicity, or this particular language or income, that says that this is what we’re going to have to have to be able to make this a sustainable product.

HH: So on the overall pool numbers, what are those?

DH: Just what I was saying, 400,000-650,000 is the projected enrollment.

HH: But you don’t have that breakup broken down by anything other than projected enrollment?

DH: No, we do not, not that we look at and say okay, this is what we’re going to have to have as far as demographics go.

The California High Speed Rail plan, when it was released, was lambasted because of the lack of real specifics around what would make the boondoggle fiscally viable – just effectively made up numbers of ridership – some of which projected that by 2025, the station in Modesto would see more passenger traffic than NYC’s Pennsylvania Station (Amtrak’s busiest station) does today.

CoveredCalifornia, which also has yet to construct a functional back-end payment processing system (like Healthcare.gov), has absolutely no clue as to how many ‘young healthy’ are needed to make their exchange economically viable for the insurers who are participating in it. They fully intend to just see what happens and then react after the fact.

I’m sure that’s going to work out quite well for the insureds and the insurance companies…. /sarc

Athos on November 25, 2013 at 1:40 PM

the very people the ObamaCare program needs to sign up to keep the system from collapsing

But it isn’t going to keep the system from collapsing if they get subsidies. Their “wealth” is required if Obamacare has a chance of surviving.

taznar on November 25, 2013 at 1:41 PM

This Administration is like the Global Warming people and the Peak Oil crowd. They make predictions year after year and every single one they make is proven wrong every single time over and over, yet people still continue to listen to them like they know what they are doing.

I suspect the reason for that is that most people want to be told things like that. They want the reassurances from the Government that things will be OK and they will be taken care of and not have to spend more money on Health Care than they are now.

Johnnyreb on November 25, 2013 at 1:41 PM

That doesn’t change the fact that in Chicago, a 27-year old will receive no subsidy to help offset premiums of more than $165 a month if he makes more than $27,400 a year.

In Portland, Oregon, subsidies for individuals making just $28,725 a year phase out for those younger than 35 years old.

If individual above who is making $ 27,400 a year then his/her penalty for not buying a healthcare insurance is $ 274 a year… Whereas his healthcare plan will cost him 165×12 = $ 1,980 a year and of course it will have huge deductible and large doctors visit copays… So by paying the penalty this individual will save $ 1,706 a year… A no brainer even if you do not have a brain…

mnjg on November 25, 2013 at 1:41 PM

HHS will just change the law by replacing the formula. They already know that no one will stop them.

thirtyandseven on November 25, 2013 at 1:41 PM

Schadenfreude on November 25, 2013 at 1:39 PM

Brilliant! Summation!

Scrumpy on November 25, 2013 at 1:42 PM

Pivot from: “Affordable”

socalcon on November 25, 2013 at 1:42 PM

But it isn’t going to keep the system from collapsing if they get subsidies. Their “wealth” is required if Obamacare has a chance of surviving.

taznar on November 25, 2013 at 1:41 PM

Exactly, the more subsidies they get the faster and harder Obamacare will collapse… Hence the fatal contradiction in this Obamacare disaster…

mnjg on November 25, 2013 at 1:43 PM

0bamie is playing the Knockout Game on young and/or healthy people.

freedomfirst on November 25, 2013 at 1:47 PM

No problem, they can just keep their old plan as Dog Eater promised.

Bishop on November 25, 2013 at 1:47 PM

HHS will just change the law by replacing the formula. They already know that no one will stop them.

thirtyandseven on November 25, 2013 at 1:41 PM

If someone is making $ 27,400 a year then in order for his healthcare insurance of $ 165 a month ( $ 1980 a year) to match his penalty of not buying a health insurance ( $ 270 a year penalty) then he/she has to receive $ 1,706 in subsidies which represents 87% of the premium cost… The more subsidies the less money in Obamacare and hence it will be destroyed much faster…

mnjg on November 25, 2013 at 1:47 PM

Duh. You can’t subsidize the people who are supposed to financially prop up your fraudulent scheme.

gwelf on November 25, 2013 at 1:48 PM

But, but Paul Kruggie said that California was a big success…?

d1carter on November 25, 2013 at 1:49 PM

Editorial note:

Could we stop calling the redistribution of wealth a subsidy? It’s essentially a tax on having more than your neighbor.

Yet, when talked about in terms of Obamacare, it is as if that generosity helping you pay for your healthcare comes from the government and not your neighbor who no longer can feed his children in order that some bar slut gets free birth control and abortions when it doesn’t work.

Happy Nomad on November 25, 2013 at 1:49 PM

But, but Paul Kruggie said that California was a big success…?

d1carter on November 25, 2013 at 1:49 PM

Oh! I’m sure you heard that wrong. California is a big mess.

Completing that statement with any other word doesn’t make sense.

Happy Nomad on November 25, 2013 at 1:51 PM

Could we stop calling the redistribution of wealth a subsidy? It’s essentially a tax on having more than your neighbor.

Yet, when talked about in terms of Obamacare, it is as if that generosity helping you pay for your healthcare comes from the government and not your neighbor who no longer can feed his children in order that some bar slut gets free birth control and abortions when it doesn’t work.

Happy Nomad on November 25, 2013 at 1:49 PM

Thank you. And it is totally immoral.

Murphy9 on November 25, 2013 at 1:51 PM

I guess Obama will just have to concede to a couple more tyrants, maybe that will help. . . . we’re doomed.

rplat on November 25, 2013 at 1:53 PM

But look: Even the clown show at HHS will, given enough time, pull its act together and get the federal website running.

and then hotair will run out of material to bash the President on…that’s what you’re really afraid of, right?

nonpartisan, Juris Doctor on November 19, 2013 at 4:47 PM

They have 5 days left to get the site running, then no more material.

Bishop on November 25, 2013 at 1:53 PM

Duh. You can’t subsidize the people who are supposed to financially prop up your fraudulent scheme.

gwelf on November 25, 2013 at 1:48 PM

Not all of them anyway. But with any good con job you need bait. Pay for a certain number of suckers to convince the marks that the whole scheme is legitimate.

Happy Nomad on November 25, 2013 at 1:53 PM

Scrumpy, to be sure, it’s an e-mail floater. No idea who the author is.

Schadenfreude on November 25, 2013 at 1:54 PM

I wonder if young people making less than $25K who turn down the opportunity to get insurance through their employer would be eligible for a subsidy? I guess they would since the website undoubtedly has not idea if a young person has that option. Oh well, look at us pretending the website is ever going to get fixed.

Cindy Munford on November 25, 2013 at 1:54 PM

A Nation of Sheep Breeds a Government of Wolves!

Schadenfreude on November 25, 2013 at 1:39 PM

I was afraid we had hit the tipping point prior to the last Presidential election and I think that was the case. However, now the question is who will start the revolution? The ones receiving the freebies, when the trough runs dry or the ones paying for the freebies? My gut tells me it will be the receiving ones as they tend to be less civilized than the payers. We’ll see….in fairly short order is my guess!!

Deano1952 on November 25, 2013 at 1:57 PM

So, instead of fixing the health insurance market, ObamaCare will drive people to create a retail health care marketplace with one Tier for those with money, and another much lower Tier (Medicaid) for those without.

RSbrewer on November 25, 2013 at 1:58 PM

If you’ve never read The Law by Frédéric Bastiat, published in 1850, I recommend it. It’s very short, and Bastiat had great insight into the law and justice as he surveyed the wreckage of the socialism that France was sinking in.

INC on November 25, 2013 at 1:59 PM

Bishop, you’ll want to click this if you haven’t found one already.

rogerb on November 25, 2013 at 2:00 PM

If you’ve never read The Law by Frédéric Bastiat, published in 1850, I recommend it. It’s very short, and Bastiat had great insight into the law and justice as he surveyed the wreckage of the socialism that France was sinking in.

INC on November 25, 2013 at 1:59 PM

No link.

Murphy9 on November 25, 2013 at 2:01 PM

It’s a good thing we have the smartest people in the world administering this legislation, or this might be a problem.

NotCoach on November 25, 2013 at 2:03 PM

No link.

Murphy9 on November 25, 2013 at 2:01 PM

Acck! Sorry!

I can’t believe I forgot to paste it in!

http://bastiat.org/en/the_law.html

INC on November 25, 2013 at 2:03 PM

But look: Even the clown show at HHS will, given enough time, pull its act together and get the federal website running.

and then hotair will run out of material to bash the President on…that’s what you’re really afraid of, right?

nonpartisan, Juris Doctor on November 19, 2013 at 4:47 PM

They have 5 days left to get the site running, then no more material.

Bishop on November 25, 2013 at 1:53 PM

I know! Scary isn’t it? Because everybody knows that the only thing wrong with Obamacare is the stinking website that they are still in the process of building. Come next Sunday, the website will be fixed and like all of Whoville on Christmas Morning the public will join hands and singing.

And the haters at HA? They’ll be expecting massive outrage. But instead they’ll stand slack-jawed.

“This sound wasn’t sad. Why… this sound sounded glad. Every Who down in Whoville, the tall and the small, was singing… without any GlITCHES at all! They hadn’t stopped Obamacare from coming. It came! Somehow or other… it came just the same.”

Yep, come Sunday morning we’ll find that all the negative commentary about Obamacare was just GOP overreach.

Happy Nomad on November 25, 2013 at 2:06 PM

Bastiat’s Intro:

The law perverted! And the police powers of the state perverted along with it! The law, I say, not only turned from its proper purpose but made to follow an entirely contrary purpose! The law become the weapon of every kind of greed! Instead of checking crime, the law itself guilty of the evils it is supposed to punish!

If this is true, it is a serious fact, and moral duty requires me to call the attention of my fellow-citizens to it.

INC on November 25, 2013 at 2:06 PM

Duh. You can’t subsidize the people who are supposed to financially prop up your fraudulent scheme.

gwelf on November 25, 2013 at 1:48 PM

Or maybe you can. If the young people signing up are meant to prop up the insurance companies, and the subsidies are coming from the govt, and the Dems could care less about how much the govt spends, maybe this is what the Dems want. A mess.

anotherJoe on November 25, 2013 at 2:07 PM

If you kids are looking for sympathy, you know where to find it in the dictionary.

All you young kids fell for it and voted overwhelmingly for him. Perhaps you will learn, but I doubt it.

BTW hope it hurts even more to learn the government $41 Billion in profits on your student loads (one one’s you will never pay off because you can’t find a decent job).

Agent of the Cross on November 25, 2013 at 1:23 PM

Blaming young people for baby boomers screwing up the country makes a lot of sense.

tetriskid on November 25, 2013 at 2:07 PM

Acck! Sorry!

I can’t believe I forgot to paste it in!

INC on November 25, 2013 at 2:03 PM

Shouldn’t you be focusing on that HHS website? ;0

Happy Nomad on November 25, 2013 at 2:10 PM

Shouldn’t you be focusing on that HHS website? ;0

Happy Nomad on November 25, 2013 at 2:10 PM

:)

Bastiat is on it like a laser!!!!

INC on November 25, 2013 at 2:12 PM

So da Yoots were taken in by His Noble Highness. What a shock.

Maybe you should pay a little more attention next time.

Meanwhile, enjoy that crap sandwich – I heard it tastes good with a little extra salt – & crow.

ICanSeeNovFromMyHouse on November 25, 2013 at 2:16 PM

The young overwhelmingly voted for King Barky the Liar. It is their duty to pay more for health insurance. Besides those higher premiums means frrrrreeeeeeeeeee birth control pills.

I fell not an ounce of pity and nothing but scorn for them. I hope they pay through the nose for the rest of their lives. Valuable lessons are painful.

jukin3 on November 25, 2013 at 2:17 PM

…stupid auto refresh killed my entire comment.

Forget it!

freedomfirst on November 25, 2013 at 2:19 PM

The Lying Sack of America strikes again! One wonders if the Israelis are confident in his word? The Americans surely are not.

Mason on November 25, 2013 at 2:20 PM

REPEAL THIS FRANKENSTEIN OF A BILL!

neyney on November 25, 2013 at 2:21 PM

The problem for these consumers is that the baseline plans still cost more than their previous options

…one of which was to do nothing, a luxury no longer available to them, or at least not tax-free.

jhall2323 on November 25, 2013 at 2:21 PM

…stupid auto refresh killed my entire comment.

Forget it!

freedomfirst on November 25, 2013 at 2:19 PM

Yeah, Einstein had the same problem when working on relativity theory.

Happy Nomad on November 25, 2013 at 2:24 PM

The young overwhelmingly voted for King Barky the Liar. It is their duty to pay more for health insurance. Besides those higher premiums means frrrrreeeeeeeeeee birth control pills.

I fell not an ounce of pity and nothing but scorn for them. I hope they pay through the nose for the rest of their lives. Valuable lessons are painful.

jukin3 on November 25, 2013 at 2:17 PM

In fact Romney won the White young vote (18-29) by 55% to Obama 44%… It is the non white young voters who voted for Obama 95% to Romney 5%…

mnjg on November 25, 2013 at 2:24 PM

The problem for a lot of these people is that anything more expensive than free is too expensive.

bsinc1962 on November 25, 2013 at 2:26 PM

It is the non white young voters who voted for Obama 95% to Romney 5%…

mnjg on November 25, 2013 at 2:24 PM

All the more delicious that they are the most screwed by Obamacare. Not that they are “non-white” but that the very demographic Obama is banking on to be the most stupid are finding out just how expensive their vote really was. Might move the needle a bit come 2014 and 2016.

Happy Nomad on November 25, 2013 at 2:27 PM

The problem for a lot of these people is that anything more expensive than free is too expensive.

bsinc1962 on November 25, 2013 at 2:26 PM

Yet, I bet they have cell phones, cable tv, and a bunch of other “essentials” that take higher priority in their lives than health insurance. Until they actually become sick. Then healthcare and no pre-existing conditions become an inalienable right.

Happy Nomad on November 25, 2013 at 2:29 PM

Happy Nomad on November 25, 2013 at 2:24 PM

Heh heh.
Nice point. Only my comments are barely worth the electrons I cause to be moved around by typing on my keyboard. See, I’m not a narcissist.

I was only going to answer a previous post about how 0bamacare is not going to effectively cause people to purchase directly from providers.

It is causing enormous distortions of incentives for people. People can not choose whether or not to buy healthcare directly or to purchase tailormade insurance. 0bamacare will prevent me from opting out because I won’t be able to afford the fines. Also, I won’t be able to craft my own insurance that allows me to carry the risk that I’ll become pregnant (I’m a guy) while offloading the risk I’ll break my arm. obamacare assumes I have every imaginable preexisting condition or that anything might happen to me.

Too bad the state will also get to decide what treatments I’ll deserve.

The state is telling me what it thinks is best. The state is moronic in this regard.

freedomfirst on November 25, 2013 at 2:34 PM

The subsidy structure of the exchanges looks like a prime catalyst for a death spiral.
In no exchange will the subsidies for those 18-34 extend all the way to 400 percent FPL —indeed, in most exchanges the subsidies will stop before 300 percent FPL for that age group. The subsidy picture doesn’t look much better for people a few years older. The subsidy structure becomes far more generous as an individual nears age 50.
At the other end of the age range, everyone age 59 to 64 — and in most states examined here everyone age 52 to 64 — will be eligible for a subsidy at 400 percent FPL.
This means that insurance on the exchange will be far more attractive to those who have high medical expenses.

Read more.

lynncgb on November 25, 2013 at 2:35 PM

In fact Romney won the White young vote (18-29) by 55% to Obama 44%… It is the non white young voters who voted for Obama 95% to Romney 5%…

mnjg

But in 2008, which is the election that gave us Obamacare, they voted for Obama 54%-44%. Now they get to reap what they sowed.

xblade on November 25, 2013 at 2:47 PM

This Bastard wouldn’t have lied to anyone, would he? Surely not

tmgrant on November 25, 2013 at 2:53 PM

Because of the enormous price increases, I’m betting that even people who do get subsidies will end up paying a higher…

MTF on November 25, 2013 at 1:17 PM

The ‘complex’ math may be based on a very simple unpopular principle in the end: Everyone that had insurance will pay more for less so that those without get something. It almost has to so that it balances.

Tsar of Earth on November 25, 2013 at 2:55 PM

The state is telling me what it thinks is best. The state is moronic in this regard.

freedomfirst on November 25, 2013 at 2:34 PM

You’re making the common mistake that healthcare and health insurance are the same thing. They are not.

Obamacare is set up so that you, a male, are paying for things you will never use in order for the state to turn around and use that money to pay the freight for some deadbeat who needs maternity care or an abortion. It is wealth redistribution, plain and simple. What the state is telling you is that they are entitled to more of your money in order to finance the consequences of some bar slut who would otherwise have to buy her own birth control.

Happy Nomad on November 25, 2013 at 2:55 PM

In California, according to Covered California, out of 30,830 ‘enrollees’ (defined as those who signed up for the site and put a policy in their shopping cart – but may not have paid for the policy), only about 16%, 4,852 qualified for any subsidies.

They don’t break out where in the various age demographics these people fall. We don’t know if they are primarily some of the ‘young healthies’ who need subsidies to offset the sticker shock (otherwise they will not participate).

Obamacare is little more than a giant shell game – with the primary focus on seizing 1/6th of the national economy and massive wealth redistribution. If it fails, they always have single payer as their ‘fallback’.

Athos on November 25, 2013 at 3:12 PM

Happy Nomad on November 25, 2013 at 2:55 PM

With all respect, because you’re among my favorite commenters and I almost always concur…

I’m unclear on my mistake. I maintain a clear distinction between the two. I totally understand the redistribution. In fact, I believe 0bamacare is not about health and insurance. I believe it’s about expanded power and control of the govt over our lives.

Do you agree?

freedomfirst on November 25, 2013 at 3:21 PM

The proper ebonics pronunciations is:

Suckahs!

profitsbeard on November 25, 2013 at 4:55 PM

But Barack believes in marriage equality, so it is worth it getting screwed on ObamaCare!!eleventy1!1! /youth voters

txmomof6 on November 25, 2013 at 4:57 PM

It’s Hammer Rebranding Time!!

iurockhead on November 25, 2013 at 5:00 PM

This thing is a huge mess. I guess the only way to fix it is to have the government be the sole provider of insurance. That’ll fix everything!

hawksruleva on November 25, 2013 at 5:23 PM

This thing is a huge mess. I guess the only way to fix it is to have the government be the sole provider of insurance. That’ll fix everything!

hawksruleva on November 25, 2013 at 5:23 PM

Just bypass insurance, and go to direct payment. Insurance companies are so eeeeevilllll! anyway.

BobMbx on November 25, 2013 at 5:32 PM

This thing is a huge mess. I guess the only way to fix it is to have the government be the sole provider of insurance. That’ll fix everything!

hawksruleva on November 25, 2013 at 5:23 PM

Just bypass insurance, and go to direct payment. Insurance companies are so eeeeevilllll! anyway.

BobMbx on November 25, 2013 at 5:32 PM

Payment? Why do you have to be such an ideologically rigid right-wing extremist?

There’s no need to bother with monetary compensation – the doctors would likely spend it unwisely. Just provide them with food stamps, government uniforms, government housing, and state-approved entertainment.

RINO in Name Only on November 25, 2013 at 5:44 PM

It’s like a chain of failure dominoes.

MrX on November 25, 2013 at 5:48 PM

No one is madder about this than Obama…

right2bright on November 25, 2013 at 6:41 PM

This whole subsidy thing is so dishonest! I can’t understand why people aren’t outraged over the bait and switch of it. It is a tax in reverse and I really don’t get how they got a way with such a thing.

petunia on November 25, 2013 at 7:07 PM

So lets see, we will allow the young people to stay on their parents plan until 26 thus endearing them to his highness, then we will also get young people to buy the junk but wait…..morons

crosshugger on November 25, 2013 at 7:12 PM

Is there some Constitutional protection from a law that was passed under false pretenses? Nothing they told us about this law is true.

jdpaz on November 25, 2013 at 8:43 PM

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