Obamacare Premiums Called Affordable in 17-State Survey

By Alex Wayne | September 5, 2013

  • September 5, 2013 at 11:23 am
    wvagt says:
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    “Subsidies.” Translation – higher taxes for everyone. The money for subsidies has to come from somewhere.

    • September 5, 2013 at 12:49 pm
      Zoe says:
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      Where is the Kaiser report?

      • September 5, 2013 at 1:45 pm
        J.S. says:
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        Simply Google “Kaiser Family Foundation”. The report is readily available.

    • September 5, 2013 at 2:25 pm
      Agent says:
      Hot debate. What do you think?
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      Hey Wvagt, isn’t is great how the left can slant an article and make it sound good? Subsidized medicine means that someone has to pay before the subsidy is granted. Who is likely to pay the increased taxes? The young dude making $25,000 is not going to be paying them except indirectly with higher prices on goods and services. Medical Devices, prescription drugs and other things will all have a much higher price tag and that will fall on the population. The carriers know that when their claims come rolling in on the Prex crowd, they will be re-imbursed and not allowed to fail.

      • September 5, 2013 at 2:33 pm
        D says:
        Hot debate. What do you think?
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        This is NOT MEDICARE! Your predictions are idiodic and have no basis in fact. You are just dreaming up stuff and posting it. The subsidization comes from everyone being part of the system. Aren’t you guys insurance people or did you just stumble on to this article some other way? The government’s initial cost is in providing the money for the setup of exchanges where private insurance companies compete for business.

        • September 5, 2013 at 2:40 pm
          Libby says:
          Hot debate. What do you think?
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          “Aren’t you guys insurance people or did you just stumble on to this article some other way?”

          I’m betting on the latter.

          • September 6, 2013 at 9:00 am
            Captain Planet says:
            Hot debate. What do you think?
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            D,
            Agent is hoping for this to fail. Evidently, he likes seeing millions of people uninsured, denied, sick, bankrupt, and even dead because of the lack of healthcare.

        • September 6, 2013 at 6:08 pm
          bob says:
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          Wrong.

          Even if you look at the Kaiser Foundation’s results wrong.

          They say that including “subsidies” premium rates will go down by 30% or down to zero for some people.

          This is actually an expansion in an indirect way of medicare.

          You are aware of how the plan works correct?

          The cap maximum of the amount you pay is automatically paid through a credit in taxes based on your income level.

          Are you really this clueless on the plan? The subsidies are not solely in the form of more people enrolled. CBO reports have already shown how they estimate including everyone enrolled and the no preexisting conditions, health care premiums will go up by 9% on average. That is the lowest estimate we have to date. I’m giving you the lowest documented amount in premium increase, that’s what we call fair. Even if you read Kaiser’s report, as I said, it says premiums will go down including the tax subsidy, which you really need to look up how it works. I just gave one of my younger brothers advice on this, as to what his costs will be after the law to the dollar in consideration of his plan type and his max out.

          And you Libby, Saying the likely on the latter, you actually DO know better on this one so why are you not educating D?

          • September 9, 2013 at 9:27 am
            Libby says:
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            Bob – please provide data that will confirm insurance rates would NOT go up 9% without Obamacare. Rates have been going up in double-digit increments for the last decade. What makes you think a 9% increase for 2014 would have been any lower? In fact, a 9% increase might be a DECREASE in rates for all we know.

    • September 5, 2013 at 2:57 pm
      David says:
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      You already pay for them. It’s called higher insurance premiums. It’s just that now you pay for them less, because they actually have to contribute something.

      • September 6, 2013 at 8:20 am
        Bob says:
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        Higher insurance premiums are a result, but that is actually still a symptom. Hospitals cannot turn away people. People without insurance and without money still get injured, diseases or sick. They go to the emergency room for care (sometimes after waiting until they are very far along in whatever disease/illness they may have). The hospitals charge more for their services to cover the costs of those that cannot pay. Who pays for that? The rest of us do through insurance premiums and our portion of the cost (deductibles/co-pays etc). You see? We are already paying for these people. The question is…were we paying more through the old system or will we pay more through the new system.

      • September 6, 2013 at 4:29 pm
        Agent says:
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        Planet, please provide proof that millions of uninsured people are dying in this country from lack of Healthcare. If it is so bad, how come people from all over the world come here for treatment and surgery? Does it take 3 months to get in to see a doctor like in Great Britain? Does it take 6 months to get a surgery done due to rationed care? We have the greatest hospitals and doctors in the world in this country and we don’t need this trumped up tax laden, penalizing bill ruining it for all of us.

        • September 6, 2013 at 4:46 pm
          Libby says:
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          “We have the greatest hospitals and doctors in the world in this country and we don’t need this trumped up tax laden, penalizing bill ruining it for all of us.”

          Too bad millions of Americans don’t have access to those great hospitals and doctors because they don’t have insurance. Who ruined it for all of them?

          But that’s your typical Me, Me, Me thinking, Agent.

          • September 6, 2013 at 6:35 pm
            bob says:
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            Libby,

            Too bad they DO have access to these hospitals.

            Not having access to insurance is not the same as not having access to care.

            As I said before:

            Cancer concurrence rate: 1 in 3.
            Poverty rate: 10-15%

            Uninsured rate: More typically 15% of the population, with the exception being during the great recession.

            If they didn’t have access to healthcare Libby, then we would have 10-15% higher deaths as a whole, while in fact we are equal.

            You’re just wrong.

            We have the best healthcare system in the world. People file for bankruptcy a bit on it, but that is not the same as not having access.

            If that much of the population was dying from a lack of access from just cancer alone (1/3rd of the population) you would know.

          • September 9, 2013 at 9:30 am
            Libby says:
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            Bob – I am not wrong and have posted statistics to prove it on another thread.

            “The uninsured are 1.6 times more likely to die in five years than those with private insurance according to the study: Insured Cancer Patients Do Better The Washington Post, December 20, 2007.

            Uninsured breast cancer patients at a large safety-net hospital system were more likely than their insured counterparts to be diagnosed with advanced disease requiring more extensive and costly treatment. Uninsured women also experienced delays in starting and completing treatment while trying to navigate through all that “free” treatment you and others insist is out there. Do you know how long it takes to apply and be accepted for these programs? I would imagine it is not a swift process.

            Also, a study, titled Association of Insurance with Cancer Care Utilization and Outcomes, presents evidence that lack of adequate health insurance coverage is associated with reduced access to care and poorer outcomes for cancer patients. The article further presents data on the association between health insurance status and screening, stage at diagnosis and survival for breast and colorectal cancer.

            I stand by my statement that uninsured people do not get the same level of care as insured people. And since the right seems to tout the level of care received in the U.S. compared to the U.K. and Canada, I would expect our mortality numbers to decrease under Obamacare.”

        • September 9, 2013 at 9:59 am
          Captain Planet says:
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          Agent,
          Again, your reading comprehension amuses me. I said you like to see millions of Americans uninsured. Which means, you like to see them ill, bankrupt, or even dead. But, if you’d like to see some numbers on Amercians dying w/o insurance, here is a study from Harvard from 2009. 45,000 annual deaths could be avoided. 40% higher death risk than those with insurance. Should we just ignore numbers like that?

          http://news.harvard.edu/gazette/story/2009/09/new-study-finds-45000-deaths-annually-linked-to-lack-of-health-coverage/

    • September 9, 2013 at 4:23 pm
      Agent says:
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      Hey Wvagt. Sorry about your Mountaineers Saturday. They played a good game without having Geno Smith anymore. They may have won if it were a home game, but it is very hard to win in Norman, Ok against Bob Stoops. He did start and win with the Jets which is quite an accomplishment considering how bad the Jets are. I think if the coach gives him a chance, he will develop into a good QB.

      • September 10, 2013 at 8:25 am
        wvagt says:
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        Good news about that game – the WV Defense was much-improved over last year. Bad news – WV needs a QB.

        • September 10, 2013 at 1:40 pm
          Nebraskan says:
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          What happened to that kid that got knocked out right at the end of the game? He was taken off on a stretcher. I apologize I don’t remember his name. Is he ok?

        • September 17, 2013 at 1:41 pm
          Agent says:
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          OU didn’t have the right quarterback in the game either. The red shirt freshman threw three bad interceptions. Stoops finally had enough and pulled him after 3 inept quarters. The replacement was who it was supposed to be, Blake Bell, the Belldozer. He started the next game and threw for 450+ yards and 4 TD’s. Coaches make some stupid decisions from time to time. At least Stoops recognized it and didn’t lose a winnable game before replacing him.

  • September 5, 2013 at 12:48 pm
    Zoe says:
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    So where are the formal findings of the Kaiser survey? Kaiser must be making this information public, right?

  • September 5, 2013 at 1:32 pm
    jw says:
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    I guess we’re going to have one of these articles every week to 10 days. Oh, well.

  • September 5, 2013 at 1:35 pm
    Sarahs says:
    Hot debate. What do you think?
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    Affordable” Who says, not the guy who is not paying anything now. Why not just wait until you get sick and apply for coverage. Remember the no pre-existing exclusions. Why buy it!

    • September 5, 2013 at 2:37 pm
      Libby says:
      Hot debate. What do you think?
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      So that you have preventive care with no deductible or coinsurance? So you won’t have to declare bankruptcy should you become ill? So you can remain healthy and live a happy life?

      It’s really funny to me how all the people railing against this on this site HAVE coverage. Why don’t we talk to some people that don’t and see how they feel?

      Elitist, Republican thinking at it’s worst.

      • September 6, 2013 at 9:01 am
        Captain Planet says:
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        Ding ding ding ding ding ding ding ding!

        • September 6, 2013 at 6:53 pm
          bob says:
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          Hidden due to low comment rating. Click here to see.

          • September 9, 2013 at 9:31 am
            Libby says:
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            I don’t recall him ever saying he was a moderate, only an independent.

      • September 6, 2013 at 9:30 am
        Gl Guru says:
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        I realy don’t see the value is comments like “elitist republican ” or “hair-brain liberal” or any argument that ends in alienation, especially in a public forum. If you have a good argument, then it should stand for itself.

        There are valid arguments on all sides.

        The issue with any solution that i have heard is that they only address the demand side of the health care equation and not the supply of health care. Insurance premium is nothing more than a symptom something is wrong. Obamacare does nothing to address reducing the cost of health care. Neither does the republican side offer anything meaningful.

        Right now there is a shortage of GPs and PAs, NPs and it is getting worse. We need more health care providers and our archaic way of determining who provides health care. One way to start is to let Nurse Practicioners run their own office once they have adequate experience. The skills they possess now rival a GP in the 60s and blow away Drs in the 40s. And they generally have 6 years of education and 7 years of experience before they see a patient as an NP.

        We spend too much time arguing over symtpoms instead of solving the problem. Supply of health care not insurance!

        • September 6, 2013 at 11:40 am
          Libby says:
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          You have valid points. I see an NP now for almost everything.

          But you are wrong when you say Obamacare does nothing to address reducing the cost or supply of health care. There are several things in the law that address those issues.

        • September 6, 2013 at 11:52 am
          Agent says:
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          Hey Guru, if you are going to comment on this forum and if the article is about Obamacare, be prepared to see comments like Planet posted above yours. By the way, he bats from the left side of the plate. You are right about the shortage in the Medical profession. I have seen articles that we are about 60,000 short right now and projected to be 90,000 by 2020 due to so many retiring and selling their practice. Many don’t want to face more paperwork for less re-imbursement in the near future. You mentioned that we need more NP’s. I have a daughter who is a PA working for a large practice. She is very good at what she does. However, if a patient has something very serious, a good doctor is the one to see. I am afraid we will be in for some serious healthcare rationing when more patients are added to the roles and doctors continue to decline in numbers. This is what Socialized Medicine is all about and it won’t be high quality. All one has to do is see what has happened in Britain and Canada to confirm it.

          • September 9, 2013 at 1:55 pm
            Captain Planet says:
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            Hey Guru,
            I’ll speak for myself rather than let Agent do it for me. I actually politically swing from both sides of the plate. I’ve voted for both parties (even W his first term. I know, I was dumb). I am an Independent.

            You’ll be hard-pressed to have Agent ever actually site a source. You’ll get statements like, “I have seen articles that…” but never receive a link to said article. I would bet this is due to the fact Agent is seeing these articles on places like Drudge and Fox News.

      • September 6, 2013 at 6:40 pm
        bob says:
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        • September 8, 2013 at 8:21 pm
          jw says:
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          irregardless?

          ir = “not” or “the opposite of”
          regardless = heedless, careless

        • September 9, 2013 at 9:40 am
          Libby says:
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          Bob – you are so out of touch with reality, there is no talking to you.

          “Diet is the primary area that can be changed.” You are assuming everyone has been educated on what constitutes a healthy diet. Not true.

          “Cancer preventative care? That’s our top area of concern of imminent death.” Yes, cancer preventive care, you moron. Through PAP smears, colonoscopies, blood work, and a myriad of other procedures.

          “Heart disease? That’s diet and exercise.” Just where did you get your medical degree, Doctor? Even if you diet and exercise, that is not an immediate solution. I guess you have never heard of controlling high blood pressure through medication? And how will you get medication if you do not have prevatative care to identify you have high blood pressure in the first place???

          “Preventative care is not a reason for someone to get health insurance.” Of course it is. That’s why insurance carriers cover it with no deductible or coinsurance. It’s call Risk Management. Ever heard of it?

          You really need to get your head out of the sand (or somewhere else) and understand that of which you speak. Or speak no more.

      • September 10, 2013 at 4:46 pm
        Always Amazed says:
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        Let’s not forget about the $12,500 for your deductible that should make you happy as a clam.

        • September 11, 2013 at 10:06 am
          Libby says:
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          Always – that is only one example of one plan. The exchange rates and plans have not even been released yet. Can we wait to see how horrendous they are before we start whining about them?

  • September 5, 2013 at 1:38 pm
    Texas says:
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    So a person that can not afford insurance now is going to get a “low cost” or “no cost” plan. The Bronze is a 60/40 coinsurance, who is going to pay the 40% or out-of-pocket max $6,350?

    • September 5, 2013 at 1:56 pm
      NH says:
      Hot debate. What do you think?
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      So the $29,000 per year person would pay $111/month = $1332 and then pay up to $6,350 out of pocket for a total of $7,682 which comes to at least 26% of his income. After taking our for income tax, state taxes, and other living expenses (lodging, food, clothing), he better not get sick.
      and they wonder why they aren’t knocking down the doors to buy insurance.

      • September 5, 2013 at 4:14 pm
        Libby says:
        Hot debate. What do you think?
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        Better incentive for preventative care and staying healthy, which is covered with no deductible. For $111 x 12 = $1,332 he gets a physical, she gets a mammogram, he/she gets a colonscopy, she gets a PAP smear, they get flu shots and a myriad of other services. I’d say that’s not a bad deal.

        And if he gets sick without insurance he’d be paying 100% of medical costs out of pocket. How is that better than $6,350?

        • September 6, 2013 at 6:46 pm
          bob says:
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          None of the above are “preventative” care.

          That is “screening” you should learn the difference.

          Disregarding that, the screening above, is less than $6,350 so it’s actually not worth it.

          • September 9, 2013 at 10:41 am
            jw says:
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            bob, a screening is preventative in that you have the test to see if you’re at risk for a disease. Also, only a doctor can order the test (in my state), so you have to go to a doctor for a regular check up (as opposed to a visit because you’re sick) to have the test.

            By the way, have you ever read your EOB and how much the testing center charges for all these “screenings”?

          • September 9, 2013 at 10:57 am
            Libby says:
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            jw – Bob thinks everything can be prevented by diet and exercise. And a $50 – $100 expense for a flu shot is no biggie. For a family of four, that is $200 – $400 which is probably the cost of their monthly food bill. He’s out of touch with reality. Typical of, well, you know who…

        • September 6, 2013 at 6:50 pm
          bob says:
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          And further:

          I’m disregarding that flu shots are like $50-100 bucks.

          It’s not worth it to make that covered by insurance while taking away that amount for catastrophic health issues.

          I’d rather have a heart transplant than a flu shot, or vaccines covered, or a physical where I cough to the left and right.

          A physical does not in fact do anything good toward your health I might add. Have you ever had one?

          I have. My dad had one a week before he died. A lot of good that did eh? He did all sorts of preventative work through the doctor on that one.

          Exams saying what his heart needed, etc. Genes and diet were the factors that did him in. He wasn’t obese either.

          You’re talking about non-realistic methods of lowering costs.

          Now if you want to direct a real one:

          I have a nutritionist friend who has been talking about:

          Integrating nutritionist programs in school through state funding.
          Integrating nutritionist plans through federal and state funding.

          Those two actually would have a huge preventative assistance.

          There are all sorts of natural herbs and diets that lower cholesterol, substantially cut cancer rates, etc.

          We could fund that.

          • September 9, 2013 at 9:48 am
            Libby says:
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            Screening is preventative, Bob. Without it, you can not identify you have a problem.

            Remember the steps of Risk Management or did you miss that class in Insurance 101? Identify, Assess, Develop a Plan, Implement Plan, Monitor.

            Preventative care, including screening and testing, is essential to do Step 1. You can not go on to Steps 2-5 without doing Step 1. Insurance carriers recognized this years ago. That is why preventative care is covered with no out-of-pocket cost. They would much rather catch something in it’s earlier stages than wait until it blows up into something catastrophic.

            And you comment “Disregarding that, the screening above, is less than $6,350 so it’s actually not worth it.” is just ignorant. None of the preventative care is subject to the $6,350 – only the premium payments of $1,332 per year. I think that’s a smoking good deal.

          • September 9, 2013 at 9:51 am
            Libby says:
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            ” have a nutritionist friend who has been talking about:

            Integrating nutritionist programs in school through state funding.
            Integrating nutritionist plans through federal and state funding.

            Those two actually would have a huge preventative assistance.

            There are all sorts of natural herbs and diets that lower cholesterol, substantially cut cancer rates, etc.

            We could fund that.”

            Those are all good ideas and do not preclude Americans having health insurance. In fact, this only confirms my statement above about not everyone knowing what a healthy diet is.

          • September 9, 2013 at 4:33 pm
            Agent says:
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            Bob, have you ever seen one of these total vegetarian nitwits? I have and a lot of them look very emaciated and unhealthy. The key is to have a balanced diet and have healthy lean meat along with vegetables and to get some excercise as well. The insurance business is pretty sedentary and I have to walk and play golf to get enough. I have seen these runners who have to run everyday and they have their problems as well and they don’t feel well unless they run not to mention having foot and leg problems.

          • September 9, 2013 at 4:53 pm
            Captain Planet says:
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            Agent,
            Total vegetarian nitwits – really? Albert Einstein was a vegetarian. So was Abraham Lincoln. Ever seen Alyssa Milano? Pretty hot, right? Vegetarian. Allen Ginsberg…vegetarian. Did you ever hear of Aristotle? Vegetarian. Barry White. Bob Dylan, Bob Marley, Billie Jean King, Bill Walton, Brooke Shields, Bruce Springstein, Carl Lewis, Carlos Santana, Carrie Underwood, Chris Evert, Claudia Schiffer, Clint Eastwood, the Dalai Lama, Dustin Hoffman, Dwight Yokam, Faith Hill…I mean, I can go on and on. Do these people seem unhealthy to you?

          • September 9, 2013 at 4:56 pm
            Captain Planet says:
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            The ones that are living still, that is. Granted, some are dead but none of the deaths are related to lack of a balanced diet. Ever wonder why we have to cut our meat with a knife? Because humans were not created to rip through meat. Our teeth are made to eat plants.

    • September 5, 2013 at 3:21 pm
      youngin' says:
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      That’s the way health insurance SHOULD be, IMO.

  • September 5, 2013 at 1:39 pm
    Linda says:
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    The Kaiser report can be found on their website at http://kff.org/

  • September 5, 2013 at 2:01 pm
    David says:
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    Looks like I need to move to NY. Every quote I’ve gotten in Ca has been over $800.00 per month, and I am a 38yr old Male with no health problems

  • September 5, 2013 at 2:16 pm
    Wayne says:
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    The 25 year old New Yorker making $25000 can pay more than $700 for insurance or a $90 fine. You don’t have to be a genius to figure out their choice.

    And even if all of the uninsured/uninsurable buy a policy, the rate will prove insufficient to cover costs so the rate will go up or they’ll run a deficit that they will blame on the standard market insurers instead of on an inadequate rate model.

    People need to face the fact that if it could be done for less, the private enterprise system would have done it; they are in the business of selling insurance (and making a profit). The government, on the other hand, is in the business of buying votes and spending other people’s money to do it.

    • September 5, 2013 at 2:25 pm
      D says:
      Hot debate. What do you think?
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      The private enterprise system IS doing it. This is not Medicare. Read about health exchanges where private companies compete for business. Who do you think is providing the coverage? Your lack of knowlege is typical of most of the opposition.

    • September 5, 2013 at 2:27 pm
      Original Bob says:
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      I once sold policies covering accidents, accidental death, disability and unemployment for $20 a month, targeting low income earners. But got rid of it as we had few takers. About the only ones interested were those that were already disabled or unemployed. We didn’t get inquiries from any dead people though. the one class of pre-existing condition people the company didn’t have to worry about.

    • September 5, 2013 at 2:29 pm
      Adam says:
      Hot debate. What do you think?
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      Yep, and if you complain about it, you’re a bigotted, offensive, heartless, loathsome curmudgeon who will be added to the IRS’ audit-for-resisting-progress list.

    • September 5, 2013 at 2:33 pm
      Libby says:
      Hot debate. What do you think?
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      “The 25 year old New Yorker making $25000 can pay more than $700 for insurance or a $90 fine. You don’t have to be a genius to figure out their choice.” I guess you don’t have to be a genius to post silly comments on this blog, either. Individuals who did not have insurance would owe $95, or 1 percent of income, whichever is greater. That equals $250 for the tax penalty, not $95. And that penalty increases with time. And don’t come back now and say $744 v. $250 because the argument doesn’t hold water. It’s not like the individual is not getting something for the $494 difference. Studies have shown that young people WANT health insurance, it’s just the cost they are concerned with.

      “And even if all of the uninsured/uninsurable buy a policy, the rate will prove insufficient to cover costs so the rate will go up or they’ll run a deficit that they will blame on the standard market insurers instead of on an inadequate rate model.” Please provide data to support your assertion. Oh, that’s right. You can’t!

      “…if it could be done for less, the private enterprise system would have done it; they are in the business of selling insurance (and making a profit).” Just who do you think is going to be providing coverage on the exchange? Private, standard carriers. And guess what? Their ACTUARIES think they will make money doing it. Or they wouldn’t be doing it.

    • September 5, 2013 at 3:00 pm
      David says:
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      As D says, the private enterprise system is now doing it. It’s not a government-run system.

    • September 6, 2013 at 9:06 am
      Captain Planet says:
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      The government isn’t offering the coverage, Wayne. The private enterprise system is. And it can be done for less and it is being done for less thanks to the PPACA.

  • September 5, 2013 at 2:24 pm
    Alan says:
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    Sarahs, I think rules are you can only buy coverage during the initial enrollment period or during the annual open enrollment period–like Medicare Advantage. So can’t enroll just when you get sick.

    • September 5, 2013 at 3:20 pm
      Original Bob says:
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      But under Medicare Advantage if you miss the annual enrollment period you are still covered under regular Medicare, correct? So what are you covered under if you miss the ACA open enrollment period? I am really trying to understand how it all works.

      • September 5, 2013 at 3:34 pm
        Libby says:
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        O.B. – coverage is provided by private carriers through an exchange, which is just a place you can go to compare all the different plans and premiums on-line. It is NOT government insurance and is not Medicare. You may buy insurance using the plans on the exchange or continue purchasing outside the exchange. Not all carriers have opted to be part of the exchange.

        So, to answer you question, if you miss the enrollment period you will not have coverage until the next enrollment period comes along.

        • September 5, 2013 at 3:58 pm
          Original Bob says:
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          I understand it is not government insurance but is there a government or private sector provision in the ACA to provide emergency health care for the people who pay the tax penalty and remain uninsured – until the next enrollment period when they can enroll with a pre-existing condition? Or are they just SOL like they were before the ACA?

          • September 5, 2013 at 4:17 pm
            Libby says:
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            Not that I know of. As far as I know they are SOL.

      • September 5, 2013 at 6:02 pm
        Agent says:
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        Does anyone believe there will be only a limited open enrollment period? If they don’t get their numbers right off the bat, the enrollment period will be quickly expanded to 12 months.

        • September 6, 2013 at 12:33 pm
          FFA says:
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          No. Everything on this is subject to change at any time. All the delays in provisions that have already occurred would indicate that more changes/adjustments are on the way.
          I would expect that the Group number would decrease from 50 probably down to 25 and then down to 10 and then down to two. Just my opinion of what is going to happen – bracing for worst case to play out.

          • September 6, 2013 at 4:48 pm
            Agent says:
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            FFA, If you ever get this figured out, I am sure you will let us know. A 2,700 page bill with 15,000 pages of regulations that changes from day to day is a bit much to absorb. Even legal scholars cannot understand it so how are we supposed to “get it”? We are supposed to just “trust” them. Unfortunately, there is a big credibility gap with this President and his minions.

          • September 6, 2013 at 4:57 pm
            FFA says:
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            Agent, All I need to know is Coverage Options, Pricing and Subsidy. Anyone that’s been in this biz can run an ap.

            I view this as a Max Rated Group policy with the Govt acting as the employer using our tax dollars for the employer contribution.

    • September 5, 2013 at 5:43 pm
      FFA says:
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      That is true. Its right in the OBama Care training. It, basically, is one big group. If you miss open enrollment, you need a qualifying event to get on the plan. No qualifying event – no coverage. You get to pay the fine/tax/penalty – what ever you want to call it.

      From the BCBs seminar the other night, the only advantage for Medicare folks is the donut hole is going to disappear (I think) in 2020.

  • September 5, 2013 at 2:24 pm
    Maxwell says:
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    90$ fine or 1% of your income, which ever is the higher number.

  • September 5, 2013 at 3:37 pm
    PM says:
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    Interesting how a system is deemed affordable after the government provides a subsidy. That is a very liberated use of the word “affordable”. What was the purpose of social security, medicare, medicade? To make items including health care affordable? Ahhh. Another liberated use of the word.

    Now D, don’t yell or curse me. Just post a link to the funds available for those that will get insurance in Vermont and not pay.

  • September 5, 2013 at 4:34 pm
    TxLady says:
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    I am not an accountant, so perhaps someone who is can answer this. Isn’t a tax credit something you get to claim on income tax AFTER you have spent the money, such as a credit for buying a hybrid or electric vehicle. Meaning you have spent the money to purchase it, now you get a when you file your taxes and your tax liability goes down for that tax year. I did not think it came off the purchase price. Do these buyers eligible for the credit have to pay the full premium up front and then get a credit when filing their taxes?

    • September 5, 2013 at 5:47 pm
      FFA says:
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      You can take the credit up front. The Gvt will send the credit directly to the carrier. If you missed the mark on your estimated MAGI, then you need to square up on April 15th…
      Works kind of the same principle as a Workers Comp audit does.
      If you want the credit up front, then you better put on your thinking cap and get it as close to the mark as possible…

      It seems like that a lot of people will not be getting the income tax refund.

    • September 5, 2013 at 6:05 pm
      Agent says:
      Hot debate. What do you think?
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      The quick answer TxLady is yes you have to wait for your tax refund when you file in April – 2015. Meanwhile, you pay that premium all year. What a deal!

      • September 6, 2013 at 9:44 am
        FFA says:
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        Agent, your only half right. You can take the credit up front then square up on your tax bill/refund.

        • September 6, 2013 at 10:32 am
          Agent says:
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          FFA, will we have people taking credit up front and then again when they file their taxes? No wonder IRS is hiring all those new auditors. I wonder how many will get caught.

          • September 6, 2013 at 12:27 pm
            FFA says:
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            Agent – That’s a very real probability – Tax Fraud.
            The “honest” people will likely lose their Income Tax Refund. The cheats will get caught because the “sheriff always gets their man!” (Eddy Money- give me some water)

          • September 6, 2013 at 1:17 pm
            Libby says:
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            ‘Cause I shot a man on the Mexican border.

          • September 6, 2013 at 2:20 pm
            FFA says:
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            Had you pegged for a Boot Scoot Boogie kind of a gal. Pointy toe cow boy boots – 10 Gal Cowboy hat. Lasso by your side ready to roll.

            google 91.1fm the drive and check out their deep tracks internet radio. All the B Sides all day. No news. No Commercials. Very little DJ chat.

          • September 6, 2013 at 2:21 pm
            FFA says:
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            Sorry – 97.1 the Drive…..

          • September 6, 2013 at 2:50 pm
            Libby says:
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            FFA – I’m a little bit country AND a little bit rock-n-roll! I’ll check out 97.1 the Drive.

  • September 5, 2013 at 4:55 pm
    henry hershberger says:
    Well-loved. Like or Dislike:
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    Say there are 10 million uninsured individuals who join the exchanges. Each gets a $50 per month ($600/year) subsidy. That is $6 BILLION per year that we TAXPAYERS pay to subsidize the current uninsured folks. Not good economics to me.

    • September 6, 2013 at 11:57 am
      Agent says:
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      Henry, since when have Liberals ever made economic sense? They are very good at spending other peoples money and don’t really care if it bankrupts the economy as long as they get their benefits.

  • September 5, 2013 at 4:59 pm
    Libby says:
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    Hidden due to low comment rating. Click here to see.

    • September 6, 2013 at 10:36 am
      Agent says:
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      Yes, Libby. That may explain why so many companies, unions, municipalities, counties are reducing hours to employees or laying off people because they realize that the cost of Health Insurance is going to be lower.

  • September 5, 2013 at 5:58 pm
    FFA says:
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    If, if and if.

    When has anything EVER gone down when the govt interferes into private business.

  • September 5, 2013 at 7:13 pm
    DJ says:
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    What validity can anyone (either side of the aisle) place on these premium projections?

    • September 6, 2013 at 9:43 am
      FFA says:
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      NONE AT ALL. They had to pass it to see what is in it. They have to let it play out to see what the true cost will be including the increase on your tax bill. Its all guess work at this point in time.

      Me personally, figures for worst case (in everything, not just this) and then I am happy when worst case does not play out.

      • September 6, 2013 at 10:40 am
        Agent says:
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        FFA, unfortunately we have to go through the worst case before the mess can be straightened out to get to a best case. We all have to go through all the tax increases and premium increases to subsidize all the PreX crowd.

        • September 6, 2013 at 11:46 am
          Libby says:
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          Hidden due to low comment rating. Click here to see.

          • September 11, 2013 at 12:12 pm
            Agent says:
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            Hey Libby, guess what! Your home state of Colorado seems to be in turmoil. They had a recall election last night and the President of the Senate, John Morse, a Democrat got recalled because of him leading the charge to ban guns. Also, a female Senator, Angela Giron also recalled. I think Coloradans have about had enough of this style of leadership. Many more are quaking in their boots since they are up for re-election in 2014. There is also a movement of several northern counties to secede from the state. These elitist Democrats thought they had it made and could do whatever they wanted and now they are former Senators.

          • September 11, 2013 at 12:25 pm
            Libby says:
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            Coloradans, like Texans, have a love affair with their guns. Must be something about the wild, wild west.

        • September 6, 2013 at 12:29 pm
          FFA says:
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          Agent – what a night by Payton Manning. Is Baltimore D that bad or is Denver that good?

          • September 6, 2013 at 1:18 pm
            Libby says:
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            Denver is just that damned good! Stayed up waaaay past my bedtime to watch the game. It really was a good one!

          • September 6, 2013 at 1:30 pm
            FFA says:
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            Tebow = Pretender. Manning = Contender. Now with Welker… They have established themselves as the team to beat after just one game.

          • September 6, 2013 at 4:35 pm
            Agent says:
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            FFA, Denver is good, but this is only one game. If Manning went down, Denver would be average like a lot of other teams that lose their star quarterback. Baltimore lost Ray Lewis on defense (retirement) along with their key safety who went to Houston in the off season. They also lost their All Pro tackle – Michael Oher (Blindside)who had an ankle injury early and didn’t return. The offense struggled after that and the defense was on the field too long. A good prescription for a loss, but they will be a contender this year. It will be interesting to see Denver when they have a tough road game like in New England and see how they come out.

          • September 6, 2013 at 4:49 pm
            Libby says:
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            There is already talk of Denver being a contender for the Super Bowl, Agent. But I would only expect you to bad mouth them because they’re my home team.

            But I agree that Baltimore is alot tougher than that one game showed.

          • September 6, 2013 at 5:02 pm
            FFA says:
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            I knew Denver would be better with Welker coming over. Manning makes them Legit and Welker just piles that on top.

            They are just going to kill the average teams. I cant wait for a Brady V Manning shoot out. Two of the best in the biz just shredding each other…..

          • September 9, 2013 at 10:21 am
            Libby says:
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            Another late night last night watching NY Giants trounce all over Dallas. What a game!

          • September 11, 2013 at 5:11 pm
            Agent says:
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            Yes Libby, Colorado has also lost a lot of revenue from out of state hunters who won’t go there anymore due to the gun ban issue. By the time you add up all the licenses, food, accomodations, guides etc, pretty soon you are talking serious money lost. Coloradans also don’t like goofy tree hugging Progressive Democrats imposing this law. Didn’t these same lawmakers make Marijuana legal there? Other than the college kids, who else was in favor of that?

          • September 12, 2013 at 8:40 am
            Libby says:
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            Agent – what, exactly, do you know about medical marijuana? I voted for it, my 82 year-old mother voted for it, along with the majority of other Coloradans that understand the difference between recreational and medical use of marijuana. Making it illegal in the first place was the dumbest thing ever. Talk about revenues! Colorado is making money hand over fist with the taxes on medical marijuana. It makes the lost revenues from out-of-state hunters look like chump change.

            I think I know a little more about the mentality of Coloradans than you do. My state is more purple than it is blue or red. Something other states might try. Like Texas.

      • September 9, 2013 at 4:16 pm
        Agent says:
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        FFA, I saw a story at noon on Fox today that IBM & Time Warner were going to cut a check to former employees to get Health Insurance on the exchanges. Apparently, the legacy costs were going to be so high, they thought this was the way to go. More companies are going to be doing the same thing.

        • September 9, 2013 at 6:51 pm
          FFA says:
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          Lots and lots of rethinking the benefits going on…

      • September 10, 2013 at 4:41 pm
        Agent says:
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        FFA, I am having to send in my quarterlies to help pay for Obama’s new adventure. Don’t you enjoy sending your hard earned money to the Feds so they can squander it or spend it very unwisely? I bet the speech writers spent all night re-programming the teleprompter for the speech tonight after Putin solved the Syrian problem for him. I think I will watch a Netflix movie and pick up the analysis later.

        • September 11, 2013 at 10:08 am
          Libby says:
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          The ANALYSIS? WHAT analysis? FoxNews commentary? You are pathetic.

          • September 11, 2013 at 3:04 pm
            Agent says:
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            From his own lips Libby. That is pretty good analysis. I do think it is hard to intepret someone who talks in circles and flip flops every day. No wonder the American People don’t trust this guy, especially after Benghazi which we still don’t have answers for after a year, Fast & Furious, IRS, NSA, EPA. His credibility is nearing zero with the majority of Americans and you and Planet keep clinging to that Hope & Change montra. You both are like lemmings following him to the bitter end.

          • September 11, 2013 at 3:37 pm
            Libby says:
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            “You both are like lemmings following him to the bitter end.” Following him where? He’s the POTUS for crying out loud. Leader of the free world. Chief cook and bottle washer. We ALL have to follow him. At least until Hilary takes over in 2016!

  • September 6, 2013 at 12:21 pm
    jw says:
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    From the Louisville Courier Journal:

    State officials have posted examples of possible premiums and payment assistance on the kynect.ky.gov website. For example, a family of four earning $48,000 a year could expect to pay $252 a month for the “silver” plan, while the same-size family earning $80,000 could expect to pay $634 a month.

    The totals are what consumers would pay after subsidies paid in advance by the federal government.

    http://www.courier-journal.com/article/20130905/PRIME07/309050099

    • September 9, 2013 at 3:21 pm
      Agent says:
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      Who won Libby? Who committed 6 turnovers at the wrong time? I have seen high school teams that didn’t do what the Giants did last night on the goofy turnovers. I didn’t run down your Broncos, did I? I agree that Denver is good, but one game does not a season make. Historically, Denver is not nearly so good on the road and they will lose games you think they should win. If Manning goes down, they will be fairly average just like the Patriots would be if Brady went down. He just barely beat the Buffalo Bills yesterday and he was in there for the whole game.

      • September 9, 2013 at 3:48 pm
        FFA says:
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        We must have watched a different game. All I seen the Giants do was cough up the ball on a regular basis.

        • September 9, 2013 at 4:12 pm
          Agent says:
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          Yes FFA, Libby can’t resist slamming anyone or anything that is from Texas. Apparently, she did not see the final score and thought the Giants had won. Dallas was guilty of playing some prevent defense toward the end of the game and that is the quickest way to get scored on. The Giants coach, Coughlin was beside himself the way they played. I wouldn’t be surprised if he made some cuts with the running backs this week. Jimmy Johnson used to do that all the time with players who were not the stars. He just didn’t put up with it and the players would clean out their locker if they messed up and cost the team a win.

          • September 10, 2013 at 9:09 am
            Libby says:
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            These are your own words: “I have been telling you that Dallas is not a sound team. They get three turnovers early and get 3 points. 6 for the game and barely win.

            Whose slamming Dallas now?

          • September 10, 2013 at 11:08 am
            Agent says:
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            Libby, I can use constructive criticism of my team because they are my team. I will not tolerate someone like you to say that NY trounced all over Dallas when they turned the ball over 6 times and deserved to lose. It will be interesting to see Manning vs Manning this weekend. The Giants will be very angry and young Eli loves to show up his big brother. Denver will be very lucky to survive that meeting and I wouldn’t be surprised if the Giants hand them their head.

          • September 10, 2013 at 11:47 am
            FFA says:
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            There is no denying that your D Stepped up pretty big. My only question is this the real deal or was that a fluke? I want to improve my D on my fantasy team.

          • September 10, 2013 at 12:08 pm
            Libby says:
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            Agent, you are entitled to have your teams just as I hav mine. You dissed my team. I dissed yours. That’s how trash talking works. I will admit, my husband told me NY came back and since I fell asleep before the end of the game, I thought he meant they won. I stand corrected. But Dallas didn’t look any better/worse than NY.

  • September 9, 2013 at 10:42 am
    Mom of 26 yr old says:
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    My son and I have been discussing the upcoming health insruance rquirements and over all costs. He makes $9 an hour and works for a compnay with over 50 employees. He asked his employer when they are going to announce what they are offering in health insurance. He was told that they are going to lay off workers so they keep the employee count under 50 so they can be exempt from having to offer. The owners of this company are millionaires and they won’t do the right thing for the employees that help them make their money. Everyone can toss stones at the politicians, but some of this problem is a result of employers like these that won’t do the right thing for their employees.

  • September 9, 2013 at 6:36 pm
    FFA says:
    Well-loved. Like or Dislike:
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    It is a hard job market out there and will only get worse due to this law what ever the motivation is.

    • September 10, 2013 at 4:34 pm
      Agent says:
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      Libby, You better hope that little brother doesn’t top big brother next Sunday or your team will be the one that lost to the team that Dallas beat.

      • September 11, 2013 at 10:09 am
        Libby says:
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        Whatever, Agent. That’s why they play the game. You should know that by now.

      • September 11, 2013 at 5:57 pm
        FFA says:
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        Ok Agent. Now your stretching. Little Brother beating who you could make a valid argument is the best QB to take the field since Montana? Since Young? Since Jim mcMahon??/

        • September 11, 2013 at 6:16 pm
          Agent says:
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          I like you FFA, but little brother has more Super Bowl rings than Big Brother. In crunch time, Eli scares the dickens out of me since he usually finds a way to win. Unfortunately, he didn’t have dependable backs this time and they kept dropping the ball or they might very well have won.

          • September 13, 2013 at 1:49 pm
            FFA says:
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            No doubt Eli needs better receivers and better backs. That’s was the battle cry in Chicago until Marshal & Bush came to town – No Disrespect to Forte. I consider him to be one of the best in the Biz.

            Until NY gets their back / receivers issued worked out, I would rather him come to town then Peyton.

  • September 17, 2013 at 11:59 am
    Agent says:
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    I am sure Coughlin thought he had his team put together for the season and had the backs and receiver issues worked out, but he doesn’t. Eli can only do so much and if this continues, they will be an 8-8 team like Dallas. As I told you before, the O line is their issue. They can’t block for the run or protect for the pass. Murray had only 25 yards rushing and he is a good back. Hard to make yards when you are hit in the backfield before you get started. The NFC East appears to be the weakest division in the NFC with Washington being mediocre, Dallas weak, NY weak and Philly fair. Someone to watch is the Seahawks. They really put it on the 49ers and that little quarterback and the running back Lynch are really good and the defense is stout. I feel sorry for teams playing them right now.



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