White House Rebranding Obamacare for ‘Young Invincibles’

By Caren Bohan | December 24, 2013

  • December 26, 2013 at 12:05 pm
    Agent says:
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    Isn’t it great to see the ads on the young invincibles? A Millenial sitting in his jammies drinking hot chocolate and thinking about signing up. Another one of gay guys in their undies singing the praises and knowing they will have AIDs coverage. What a deal.

  • December 26, 2013 at 12:15 pm
    Sargeant Major says:
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    What I find ironic is; the party that is supposed to be FOR the lower income workers, hire celebrities worth millions (Like Lady Gag Me) to promote Obamacare to young people who can’t afford it.

    Irony number 2? Obama has had how many $5K to $50 and $100,000 plate fundraising dinners and complain that the Republicans are for the rich.

    • December 26, 2013 at 12:59 pm
      Agent says:
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      Hey Sargeant, the Dems unfortunately have a lot of elitist rich people on their side now. Uncle Warren hosted some of those dinners during the last election and there are a lot of lobby groups like the trial lawyers and of course we can’t leave out Hollywood and their ilk. I don’t think the Democrats have been for the poor since Harry Truman was in office. The poor have been getting their ox gored over and over and they continue to believe that Democrats are looking out for them. How did LBJ’s War on Poverty work out for the poor in this country? All they got was entitlements designed to keep them in their place for not working or trying to get ahead.

    • December 31, 2013 at 10:07 am
      Agent says:
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      Rebranding for young Invincibles? You can put lipstick on a pig and it is still a pig, right?

      • December 31, 2013 at 11:12 am
        Libby says:
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        You would know…

        • January 3, 2014 at 11:17 am
          Agent says:
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          I don’t wear lipstick, but you do. Just sayin.

  • December 26, 2013 at 1:59 pm
    FFA says:
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    Just principles working today???
    Don’t matter what he calls it, If it smells like shit, it is shit.

  • December 26, 2013 at 2:27 pm
    Agent says:
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    FFA, I have seen a number of interviews of the young Millenials. The ones who have been paying attention are smart enough to know what a travesty it is. Many have gone online to check it out. When they see what is offered and the cost, they say in unison, no way. The ones who have not paid attention and only know how to download an app could care less. They don’t work and prefer to be a perpetual student since Mom & Dad will cover for them. Some of them don’t even know Healthcare was even passed 3 years ago. It is shocking how stupid many of them are.

  • December 26, 2013 at 2:44 pm
    FFA says:
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    My nephew – a Student at NIU – wants me to let him start selling ofnbama care to his class mates. He thinks he can reason with people. After trying to explain what a pointless exercise this would be, I told him go for it. If he can sell this to that demographics, I may have just found the next greatest producer…

    • December 26, 2013 at 5:44 pm
      Agent says:
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      Does your nephew know that he has to get licensed and all the training involved in selling insurance? Continuing Education? Perhaps he thinks he can just refer these young people to you and you can pay him a finders fee. How will he reason with kids that have no money and will face the exhorbitant premium they charge for young people? He will indeed be a great salesman if he can overcome the obstacles.

      • December 26, 2013 at 7:15 pm
        FFA says:
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        He is one of them Know It All kids – pushing Straight A for seven semesters now in their Business School. I tried to convince him of the obstacles – but he is gonna try it anyways – or so he was saying…. Could have been some Lite Beer Courage. I figure after three “Are you kidding me’s”, he will figure out Uncle FFA knows what he is taking about.

        • December 27, 2013 at 9:59 am
          Agent says:
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          FFA, if the kid is interested in the insurance business and wants to pay the price for licensing and training, he would be better off in P&C. There is not much of a future for an agent in Health Insurance. In fact, we expect to see our health customers going away and hope to keep their P&C business.

          • December 27, 2013 at 10:34 am
            FFA says:
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            I know Health is a dead line for us agents. Obama made sure he took out part of our product offering.

            I have half an eye on him to take over the reins when its time for me to burn the license renewal… He has done spot duty for me in the past and his work ethic in not like the typical kids these days. He want to put in a full 8 and be paid for a full 8.. So, yes, we do have our eye on each other.

            He wants to market new age (send an email and hope for the best) and I am still old school (warm up letter and a phone call). Gonna wait and see when he graduates. He may end up being sought after if he keeps his grades where they are. Then again, he may like the idea of being his own man.

          • December 27, 2013 at 11:56 am
            Agent says:
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            Well FFA, there is something to be said for continuing an agency when the Principal decides to hang it up. The trick is to get a young person who has a strong work ethic and will beat the streets to bring it in and then can close a sale. I have tried that route with a couple of young producers and they didn’t want to pay the price for success. They expected people to walk in the door or call in and hand them their business. Needless to say, with all the training and advice I gave them, they failed in their first year and we had to send them on their way. I am glad I have some younger partners who will take over and pay me my interest when I decide to hang it up. That doesn’t look likely in the near future because Obama will not allow me to retire.

  • December 26, 2013 at 4:44 pm
    FFA says:
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    Had another young & healthy tell me today that he will just pay the fine. His exact words “That’s supposed to be affordable?”

    So this ad campaign, wonder if that was in the original cost estimates?

  • December 26, 2013 at 6:30 pm
    Heather says:
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    So the message to the young is that we want them to pay for health insurance, but then not actually use that health insurance….. so we can use their money to pay for someone else’s insurance.

    So, please show me were the “incentive” part is.

    • December 27, 2013 at 8:33 am
      Ron says:
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      Heather,

      I must assume by your post that you have little understanding of insurance. The incentive is to provide financial protection due to a loss that is financially catastrophic. For example, pregnancy (pre and post natal care), cancer, major surgery, heart attack, etc. That way someone does not have to deal with financial burdens or worry about going bankrupt while trying to get better.

      Insurance does not work if everyone uses it all the time. It is a pooling mechanism where the many pay for the losses of a few. As much as I am against the PPACA, I believe it could be a starting point where there is an intelligent conversation about dealing with the current problems of our health care sytsem.

      Insurance is a traditionally conservative industry which is why the Hertiage Foundation has advocated for mandates in response to any form of universal health care system. If only sick people join/pay into the system (adverse selection), the whole system falls apart.

      The problem has been that the private insurance companies cannot afford to cover high risk insureds. That is why there are so many restrictions on pre-exisiting conditions and cancellations/non-renewals when people get sick. Private helath insurance companies are for-profit and that is their highest priority. As it should be.

      • December 27, 2013 at 10:35 am
        FFA says:
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        Ron, that’s a good thumb nail outline.

    • December 27, 2013 at 9:56 am
      Agent says:
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      Let me help you out Heather. First of all, this is not insurance we are talking about. It is a redistribution of wealth Ponzi scheme of the highest order. It is all about Progressive elitists who think they know what is best for the American People, hence all the mandates built into it. Unfortunately, they lied over and over to the American People telling them they could keep their plans they liked, PERIOD! They could keep their doctors they liked, PERIOD! 6 Million and counting have now lost their coverage and have little hope of getting affordable coverage in the future. Millions will be forced into Medicaid which is a low reimbursement government policy that is not accepted by many doctors. The only way out of this is for it to implode in the coming months and we start over with a common sense approach to fixing healthcare in this country. By the way, the sickest people who have either not had coverage or have been in a State Pool are the ones applying for coverage. The young and healthy are rejecting it in mass and they are the ones being counted on to pay the freight.

      • December 27, 2013 at 10:36 am
        Ron says:
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        Agent,

        If this law is a Ponzi scheme, then all insurance is a Ponzi scheme. Please differentiate this law as a Ponzi scheme from every other line of insurance.

        I did not realize that the Heritage Foundation consisted of a bunch of Progressive elitists who think they know what is best for the American People.

        http://www.forbes.com/sites/theapothecary/2011/10/20/how-a-conservative-think-tank-invented-the-individual-mandate/

        Pleae find me one politician, whom identifies themselves as a Liberal or Progressive, that advocated for mandates prior to the PPACA.

        • December 27, 2013 at 11:44 am
          Agent says:
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          Seriously Ron? FFA, Sargeant and I have operated a Ponzi scheme all these years and didn’t know it. I wonder how I was able to get all those claims paid for losses my customers have had if there was nothing to back it up. Have you been smoking some of that legal weed from Colorado? It’s funny, but with all the training I received prior to and after I was a licensed agent, I have never heard one instructor ever refer to our industry as a Ponzi scheme. You take idiocy to a new level. By the way, the Heritage Foundation didn’t write the Progressive Ponzi scheme of Obamacare. Ask Ezekiel Emanuel(Progressive elitist) why he wrote it like he did with numerous mandates that can’t be funded or will work. Please find me one Democratic politician who read the bill before they voted on it. Many of those Democrats who did vote for it in the blind are now wishing they hadn’t since they are in big trouble.

          • December 27, 2013 at 12:02 pm
            Ron says:
            Hot debate. What do you think?
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            Agent,

            Where did I say that insurance is a Ponzi scheme? I said that IF the PPACA is a Ponzi scheme, THEN all insurance is a Ponzi scheme. Since you were not able to differentiate the PPACA as a Ponzi scheme (because it is not), you, FFA and Sargeant can rest assured that you have not been operating a Ponzi scheme all these years.
            Get it?????????????

            I did not say that the Heritage Foundation wrote the PPACA, only that they were the genesis of the individual mandate.
            Get it?????????????

            I am going to assume that you were unable to find one Liberal/Progressive who was for mandates prior to the PPACA.

            Why do I need to provide one Democrat who read the bill before voting for it? I AM AGAINST THE LAW AND WILL NOT DEFEND IT!!!!!!!!!!!!!!!
            Get that through your thick skull.

            However, I will defend facts and the truth.

  • December 26, 2013 at 6:39 pm
    Heather says:
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    “…….Other blogs linked on Twitter and Facebook tout people who have gotten good deals on insurance through Obamacare. They include a pregnant woman from California who will pay only $34 a month for coverage……”

    This is so amusing! THIS is an example of the “young invincible” that this article is about? A woman who got health insurance cheap and who will also be using it for a costly health need!

    I have read so many articles like this, using the example of a young person who has expensive medical needs as its example of the young people signing up……

    But ObamaCare is dependent on young people who won’t be using the medical care, they just have to pay for it so someone else’s insurance costs will be lower!

    Either the media is confused about the young people the law needs to sign up… or they are being stupid on purpose.

    • December 27, 2013 at 10:29 am
      FFA says:
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      Heather, ever try and sell a snowball to an Eskimo? Then throw in an Ice Cube for free? That’s is what this amounts to.

      I have signed up somewhere around ten now. One was a small group (4) within my agency that was not going to renew at the spike in rates they were offered on the group side. All adverse Selection. None of the Young Healthy folks that is needed to make this work.

      I have only signed up two new people to my agency – both Adverse Selection.

      • December 27, 2013 at 11:48 am
        Agent says:
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        FFA, Adverse Selection is the norm with this so called law. It is exactly what is going on nationwide. I would expand on your Eskimo example. Obama is trying to sell a deluxe side by side refrigerator/freezer to the Eskimo. They have no need for it, but they must have it according to our administration.

  • December 27, 2013 at 12:00 pm
    Jeff says:
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    I was speaking to a friend of mine, a woman of 58, who has been laid off. She does not have medical insurance. She looked at the exchange in her state and got a quote of $400 per month. To me it sounded like a fantastic deal, but she will continue to use the emergency room in her local hospital rather than buy insurance. She is not going to be paying taxes, so there is no penalty for her to not buy the insurance. The problems with Obamacare are not limited to Young Invincibles.

    • December 27, 2013 at 12:54 pm
      Agent says:
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      So Jeff, is this lady just going to apply for Disability, Food Stamps and all the other entitlements she can? That seems to be the easy way out these days. Before she was laid off, did she work for a company that provided benefits? Maybe she was laid off due to downsizing from the effects of Obamacare. By the way, many state exchanges are not quoting correct rates as the example of the woman in Washington State recently. After the dust cleared, she found she didn’t qualify for subsidies and the rates were wrong so she opted to not buy and just will pay the tax.

      • December 27, 2013 at 1:29 pm
        Jeff says:
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        I am not a fan of Obamacare, but I don’t think it had much to do with her situation. She got benefits through her employer (a small P&C insurer) for over 20 years. She wants to work. She is going nuts at home.

        My point is that there is very little teeth in the tax penalty. It certainly will not be effective for someone like my friend, and frankly I don’t think the bite is sufficient to concern the invincibles.

        • December 27, 2013 at 1:47 pm
          Ron says:
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          I hope these people opting for the penalty have been advised and understand that do not have coverage and cannot just sign up when they get sick or something happens. They will still need to wait for the next open enrollment and pay for any medical treatment out of their pocket.

          Just like opting out of any other insurance product, as long as nothing goes wrong, they will come out ahead.

          • December 27, 2013 at 3:27 pm
            FFA says:
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            Ron, standard part of the script in my office. They reply, I can always claim Bankruptcy..

          • December 27, 2013 at 3:29 pm
            Ron says:
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            At least you are providing correct information. In the mean time, the government can collect a few extra tax dollars from them to help pay for the subsidies for those who are responsible enough to get a policy from a private insurance company.

          • December 27, 2013 at 4:19 pm
            FFA says:
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            Ron, I fear that there just wont be enough that pay the premium. I have yet to find one Health Uninsured person to buy into this. Its looking bleak in my neck of the woods…

        • December 27, 2013 at 4:35 pm
          Agent says:
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          Jeff, I hope the lady finds work soon so she can be productive. Perhaps she can hook on with an agent or broker if the companies are not hiring right now. Good skills are generally in demand with P&C. I agree on the Invincibles that the tax bite will not bother them at all. They are saying no way will they sign up to subsidize others. The ones that don’t have a job will see no difference if they don’t pay taxes anyway.

  • December 27, 2013 at 4:20 pm
    FFA says:
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    Leaving for the year.
    To All left…. Have a great New Years.
    C U in 2014….

    • December 27, 2013 at 4:36 pm
      Agent says:
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      Have fun FFA. Perhaps 2014 will be better than 2013. We can only “hope for change”.

  • December 30, 2013 at 12:09 pm
    FFA says:
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    Woke up this AM in the dells. Water lines frozen… Its cold up here!

    • January 2, 2014 at 4:31 pm
      Agent says:
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      Hey FFA, It was good to see Lovie Smith get another head coaching job. He will be challenged by the dysfunctional Tampa Bay team and will need some time to put together something competitive. Perhaps he will have a shot at Johnny Football. That will cure the QB problems, but they need something to go along with him. Wasn’t Manziel amazing at the Chick Fil A game? If he was on a team with just an average defense, he would have won the Heisman all over again. They tend to give that award if the team was very good and they had a terrific record. I swear that a decent junior college team could move the ball against the Aggies.

  • January 3, 2014 at 1:21 pm
    FFA says:
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    I watched the 2nd half. He was amazing. Is Manziel coming out this year? Personally, I think he would be better off waiting until the Bears are bad enough to have a shot at him.

    Good to hear Lovie is back on the scene away from the north. Bears defense was awful with out him this year. Cost us the play offs.

    • January 20, 2014 at 11:21 am
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      FFA, Manziel is coming out. Perhaps Lovie will take him for Tampa Bay now that he is in charge. They definitely need quarterback help.



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