Enforcement of Obamacare Executive Benefits Rule Delayed: Report

January 22, 2014

  • January 22, 2014 at 1:24 pm
    Dave says:
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    Again, when was the Constitution changed so that Obama could single handedly change any law he wishes which was passed by both houses of congress. Should not any change in any law be approved by both houses of congress and the President before it can be changed? Or is our President subverting the Constitution, a document he swore to uphold when he took the oath of office?

    • January 22, 2014 at 1:30 pm
      Darren says:
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      Are you not familiar with the phone and pen clause?

      • January 22, 2014 at 1:33 pm
        FFA says:
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        No I am not. Please advise.

        He is acting more like a Dictator then a president. Welcome to Illinois.

      • January 22, 2014 at 3:07 pm
        Agent says:
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        I am familiar with the phone and pen clause. After all, our leader has been spouting it for a couple of weeks now. We will get another dose of it with the State of the Union this time. Our Imperial President wants to rule with a pen because Congress refuses to implement his agenda. He reminds me of a petulant child who doesn’t get his way and then throws a tantrum.

        • January 22, 2014 at 3:38 pm
          Libby says:
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          Where does the phone come in?

          • January 22, 2014 at 4:17 pm
            Agent says:
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            Libby, are you naive or what? The phone is used to order his minion departments and agencies to implement what he wants done. Never mind the Constitution, just do it. When we get caught, we can just feign ignorance and pledge to correct it and then nothing happens.

          • January 22, 2014 at 6:14 pm
            FFA says:
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            I’m lost. What does that mean???

          • January 23, 2014 at 8:53 am
            KY jw says:
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            I’m with FFA. I don’t get it. Well, other than it’s bad.

          • January 23, 2014 at 10:22 am
            Libby says:
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            I don’t know either. Agent just likes to think he knows what it means. Phone & pen clause? WTF?

          • January 23, 2014 at 10:51 am
            FFA says:
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            Seems nobody knows…

          • January 23, 2014 at 11:56 am
            Libby says:
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            Darren do.

          • January 23, 2014 at 12:02 pm
            Agent says:
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            Have none of you heard of Executive Orders? A President does them to implement policy to the various branches of the government. He uses a “pen” to sign them. In Obama’s case, he is seeking to make an end run around Congress by implementing his agenda since they won’t go along with him on many issues. In some cases, it is circumventing existing law. How many times has he changed Obamacare so far by Executive Orders? In the case of the phone, if he wants something done right away, he merely calls a minion like a Czar and has them implement his agenda. Is this clear enough yet? Do we have an Imperial President or what?

          • January 23, 2014 at 1:00 pm
            Libby says:
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            Agent – you’re so off base, you can’t see straight. Obama has issued 160 executive orders since 2009. Bush issued 197 executive orders for the same period of time in his presidency.

            And there has been NOT ONE excutive order issued in regards to the ACA.

            The delays are at the authority of the IRS. This same authority has been used by other administrations.

            You have zero credibility on this site.

        • January 23, 2014 at 12:39 pm
          Connie says:
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          The phone and pen clause refers to a statement Dear Leader made last week. Here’s an NPR story about it.

          http://www.npr.org/2014/01/20/263766043/wielding-a-pen-and-a-phone-obama-goes-it-alone

          • January 23, 2014 at 2:02 pm
            KY jw says:
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            Wow. Just. Wow. That’s some ego.

          • January 23, 2014 at 2:05 pm
            KY jw says:
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            I forgot to say thanks for the link.

          • January 23, 2014 at 2:40 pm
            Libby says:
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            How so? Is he supposed to sit by and do nothing because Congress is in gridlock? If he did that, surely everyone would be up in arms. So he acts and everyone is still up in arms. What would make people happy other than his total disappearance?

            He’s not the first President to use executive order to get stuff done. As I pointed out to Agent earlier, Obama has passed fewer executive orders than Bush did at the same point in his presidency.

            It’s just plain hatred for the man, that’s all.

          • January 23, 2014 at 2:42 pm
            Libby says:
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            I expected more from you, KY.

          • January 23, 2014 at 5:01 pm
            Agent says:
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            Libby, you take naivety to a new level. Here we are talking about what Obama has stated in the past few weeks on what he is going to do and you drag old numbers from the waste basket from 09. The way he is talking, he may issue 160 Executive Orders in 2014 alone and we aren’t going to like many of them. If I read you right, you are saying that his proclamation of delaying the Employer Mandate for one year is not an Executive Order. I think it was implemented so I think it was an order to do so.

          • January 24, 2014 at 7:42 am
            Ron says:
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            Libby,

            To take the executive order issue another step, he has issued the least EOs per year since President Carter.

            Agent,
            Stop making predictions. If he actually does sign that many EOs this year, I will tip my hat to you However, we will have to wwait and see.

          • January 24, 2014 at 8:42 am
            KY jw says:
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            Sorry, Libby, I am NOT an Obama fan. He may not have as many executive orders as other presidents, but the quote in the article linked above is very arrogant. That’s my take on it.

          • January 24, 2014 at 8:55 am
            Libby says:
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            Agent – it’s clear you do not know the meaning of “Executive Order”, so I have provided a link for your education:

            http://legal-dictionary.thefreedictionary.com/Executive+Order

      • January 23, 2014 at 11:06 am
        Proud Conservative says:
        • January 23, 2014 at 5:02 pm
          FFA says:
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          Thanks for the links. So, all he needs to do is call someone or pull his pen out to change what ever fits his mood…

          • January 24, 2014 at 8:56 am
            Libby says:
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            That’s right. That’s why he’s the POTUS.

    • January 22, 2014 at 1:34 pm
      Libby says:
      Hot debate. What do you think?
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      Dave – this is not a Constitutional issue, it is an Administrative issue. The law is not being changed, only delayed.

      Administrative authority is granted by section 7805(a) of the Internal Revenue Code. This authority has been used to postpone the application of new legislation on a number of prior occasions across Administrations.

      • January 22, 2014 at 1:41 pm
        FFA says:
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        Changed again… How the hell are we supposed to stay on top of things when he just changes his mind??? get one thing figured out just so he can change another the next day.

        How about getting the damn payment system fixed? I take payments. People go to the Doc. Carrier says payment not received when the govt took the payment and did not send to the carrier. I have a handful of dis enchanted clients. Guess who they are going to vote against in the mid terms? Hint – starts with a D.

        • January 22, 2014 at 2:15 pm
          Libby says:
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          • January 22, 2014 at 2:27 pm
            FFA says:
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            It just sucks Libby. Get something figured out and then it changes again.

            No other entity can change rules in the middle of the execution phase of the plan.

          • January 22, 2014 at 3:03 pm
            Agent says:
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            I hate to tell you this Libby, but a delay is a change.

          • January 22, 2014 at 3:39 pm
            Libby says:
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          • January 22, 2014 at 4:54 pm
            FFA says:
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            Its just oBama Speak to justify his actions.

          • January 23, 2014 at 11:30 am
            FFA says:
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            A Delay is a change. Just cause he changed the definition of words to fit his personal agenda does not mean the rest of the world needs to accept his new definition.

          • January 23, 2014 at 11:57 am
            Libby says:
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            FFA – he didn’t change anything. This IRS administrative authority has been used in the past by many other administrations. I understand the delays are frustrating, but don’t bend the truth or you’ll start sounding like him.

      • January 22, 2014 at 1:45 pm
        Captain Planet says:
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      • January 22, 2014 at 4:45 pm
        Dave says:
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        And this is why congress will not pass “comprehensive” immigration reform while this liar occupies the White House. A big part of “comprehensive” immigration reform is securing our borders. Obama and his ilk see a huge number of Democratic voters potentially crossing our southern border. So a bill gets passed, it includes greater border security and the liar chooses not to enforce it.

        * If you like your doctor, you can keep your doctor.
        * If you like your medical plan, you can keep your medical plan.
        * Benghazi was the result of a demonstration resulting from a video
        * I said the day after Benghazi it was a terrorist attack.

        The lies go on and on. This man promised to uphold the Constitution, yet he challenges it every day and every time he unilaterally changes the healthcare law, he challenges it yet again. The fact that you are too blind to see it doesn’t mean it is not happening.

      • January 23, 2014 at 2:06 pm
        mr bob says:
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        Libby,
        I may be able to agree with your spin on this matter were it not for O’Bamas other actions that are fully in violation of his authority, such as not enforcing immigration law and deporting all illegal’s. I can give him a pass on the ACA delay’s but not on many other issues.

        • January 23, 2014 at 3:07 pm
          Libby says:
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          Fair enough, Mr. Bob.

  • January 22, 2014 at 1:24 pm
    FFA says:
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    The circus of the OBama Admin continues… How many clowns fit in the car?

    • January 23, 2014 at 5:04 pm
      Agent says:
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      FFA, I saw 10 clowns get out of a VW Beetle one time at the circus. I wonder how many of these administration clowns would fit in a bus or would he just throw them under the bus instead.

      • January 23, 2014 at 6:07 pm
        FFA says:
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        Thats funny. But sad because its true.
        Wonder if he invited his little blondie to Michelles B day party…. Letterman keeps showing that picture of Michell fuming at him. In that regards, I sort of feel sorry for him. Caught flirting with one much hotter then his wife.That put me in the dog house in the past…

        • January 24, 2014 at 10:59 am
          Agent says:
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          FFA, I don’t think the Danish Prime Minister will be visiting the White House anytime soon. BO probably had to sleep in the Lincoln bedroom for a couple of weeks after the Mandela incident. In my view, he acted stupidly to do selfie pictures in true Narcissistic style with the blonde and Michelle was sitting right next to him. Hello! Of course, he can’t hold a candle to what Kennedy was doing. He was running Marilyn Monroe out the back door while Jackie was coming in the front.

  • January 22, 2014 at 1:46 pm
    Stu says:
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    So President Obama does not like the idea of highly compensated
    employees, or the boss, to have a better plan than his other employees…. Okay… Then, how is it, that HE, and members
    of Congress can have far superior health plan benefits, than the rest of the United States Citizens?

  • January 22, 2014 at 1:48 pm
    FFA says:
    Hot debate. What do you think?
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    Good to know your coming to the reality of the matter too Cap…
    He is just another F’n Ill Politician.

  • January 22, 2014 at 2:11 pm
    FFA says:
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    Scott Walkers residence. This guy has it going on.
    http://www.cnbc.com/id/100883393/page/3

    • January 22, 2014 at 2:17 pm
      Libby says:
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      Scott Walkers residence NOW.

      http://www.bing.com/images/search?q=wisconsin+governors+mansion&qpvt=wisconsin+governors+mansion&FORM=IGRE

      He sure DOES have it going on!

      • January 22, 2014 at 2:31 pm
        FFA says:
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        And when he goes home, it is to that little house…

        I’ve seen the Gov Mansion in Madison.. Thats a big house… I could get lost in it very easy.

        Of course, our gov dont like the tax payer funded mansion so he has his own place right around Chicago. Seems he is in Chicago more then Springfield.

        • January 22, 2014 at 2:50 pm
          Libby says:
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          We’ll see. He may be going home to that big white house in DC if you have your way…

          • January 22, 2014 at 2:59 pm
            FFA says:
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            Humble roots from a small town in Wis instead of a politician from the most corrupt county in the country. Someone that stick to their promise and gets things done without changing the rules to fit his mood. Dont shut down bridges just cause he can…

            An Honorable man in the white house…. At least he wouldnt send billions to our enemies… Just dreaming. dishonorable profession

          • January 22, 2014 at 3:41 pm
            Libby says:
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            That could all change once he’s in the White House. DC seems to corrupt the most incorruptable.

          • January 22, 2014 at 4:23 pm
            FFA says:
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            Not Gerald Ford!

          • January 23, 2014 at 10:25 am
            Libby says:
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            Now who thumbed me down for insinuating Scott Walker, a Republican I might add, could be President of the United States?

            Agent? I thought you’d be elated. Sarge? You, too.

            There are just some haters on here that will thumb me down no matter what I say. Sad.

          • January 23, 2014 at 10:49 am
            FFA says:
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            Libby, its probably someone in a Union…

        • January 22, 2014 at 4:40 pm
          Agent says:
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          Perhaps he is doing consultation with Dead Fish and Axelrod on the plans for the State so that is why he needs to be in Chicago. Maybe he just likes that deep dish Sicilian pizza in Chicago. Springfield just doesn’t have the same amenities and it is hard to catch a Bulls game there.

          • January 22, 2014 at 5:00 pm
            FFA says:
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            I cant blame him on the pizza thing. Rahm seems to be getting a grip on the murder rate. He is raising a stink with the teachers union because he want to put in more charter schools. The poor folks are bitchin about the Charter School thing too.

            Rahm not making a lot of friends…

          • January 23, 2014 at 12:08 pm
            Agent says:
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            Actually Libby, I didn’t down thumb you for insinuating Walker could one day be President. Many of us hope he will continue to rise and make a run for it. He does seem to govern with common sense and has survived in a heavy union state which is quite an accomplishment. I do hope he takes action against the Teachers Union that allowed a teacher to continue teaching and getting back pay after he was caught watching porn while in class. We don’t need teachers doing that in school. Teachers Unions will support any of their members no matter how bad they are.

          • January 23, 2014 at 12:34 pm
            FFA says:
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            Well Agent, his stand on Collective Bargaining is pretty well known. Many dont like it, but the majority spoke twice.

            Humble man from humble roots. Thinks Personal Responsibility is the way it should be. Soon enough, that line of thinking will end up nation wide.

            Believes in the old school definitions instead of oBama Speak.

  • January 22, 2014 at 2:54 pm
    Original Bob says:
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    I believe the point of the story is that the delay is further evidence that Democrats had very little idea of what they passed or its impact. “IRS officials said they were wrestling with complicated questions like how to measure the value of employee health benefits, how to define “highly compensated” and what exactly constitutes discrimination” So why was this provision stuck in? Because it sounds good and helped sell the ACA to the little information voters.
    Oh and California has recently declared they will be successful in reaching their enrollment goal – it is just going to cost the tax payers a mere 6 billion more per year because, surprise, surprise – there is a disproportionate number of Medicaid and subsidized enrollees to the total! But what’s a few billion? Certainly not worth what it used to be or will be in a few short years.

    • January 22, 2014 at 3:53 pm
      Libby says:
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      • January 22, 2014 at 4:24 pm
        Agent says:
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        Libby, it is true that many Democrats didn’t read or understand this bill before they passed it in the most partisan way possible. That is why we call them Democraps. Nothing could dissuade them from their Progressive agenda. Pelosi said she would pass it if she had to pole vault over the fence and then she said she had to pass it to see what was in it. You should be ashamed you voted for Obama and any Democrat that voted for this POS legislation. Look at the mess made.

        • January 22, 2014 at 4:36 pm
          Libby says:
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          • January 22, 2014 at 5:04 pm
            Agent says:
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            So Libby, it matters little that we have the worst President in history and you voted for him twice. As FFA says, anyone else would have been better. Pick out any small businessman in this country and we might have had a chance. If you are not ashamed of who you voted for, you are still a Progressive lemming. We really didn’t have to ruin the country to do this law.

          • January 22, 2014 at 5:53 pm
            Connie says:
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            I think “providing health insurance to all” is not the same as “providing quality health CARE” to all. If you can afford to buy the policy (with or without the subsidies), and then you find out your co-pays and especially your deductible are sky-high, so you must go thousands of dollars into debt before the policy even kicks in to start paying your bills – and you find out the pool of doctors you have to choose from is very limited – and you find out the pool of hospitals you have to choose from is very limited – how is that going to ultimately be “humane and civilized?” Health insurance is not the same thing as health CARE.

          • January 23, 2014 at 8:53 am
            Libby says:
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          • January 23, 2014 at 10:16 am
            Connie says:
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            I don’t understand why single payer is seen by some as such a vast improvement. If we already are seeing, under what we have just starting out with Obamacare, limited choice in doctors and hospitals, to name just one bad thing, doesn’t it make sense to think this would get exponentially WORSE if the government is in charge of deciding what and who and how much to pay? I wish someone could give, without sarcasm or snarkiness, three bullet point reasons as to why single payer would be so great, and someone else, without sarcasm or snarkiness, would give three bullet points as to why single payer would be a gigantic failure. I just know I don’t want the government anywhere near my health care or my doctor. That scares the living daylights out of me!

          • January 23, 2014 at 12:04 pm
            Libby says:
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            I’ll give you more than 3:

            1. Everyone would have access to quality care.
            2. We can develop a centralized national database which makes diagnosis and treatment easier for doctors.
            3. Medical professionals can concentrate on healing the patient rather than on insurance procedures, malpractice liability, etc.
            4. Free medical services would encourage patients to practice preventive medicine
            5. People will have an easier time starting their own business, changing jobs or working part-time if health insurance is covered.
            6. Patients with pre-existing conditions can still get health coverage.
            7. Profit motives are taken out of healthcare expenses.

          • January 23, 2014 at 2:46 pm
            FFA says:
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            Reasons against single payer -
            Taxes would skyrocket for everyone.
            No Profit Incentive would reduce any incentive for further research.
            No incentive to work past “normal working hours” would reduce access to health care.
            Research Canada and England – there is a back log of patients waiting on life saving procedures. People with Private Insurance in them countries are always the first seen. It would have an UnLeveling Effect on access to health care.
            Do you really want a politician making your health decisions based on Dollars and Cents?

            Tort Reform and a single bill er would be a huge reduction in cost. This is obvious, but yet completely ignored by ofnbama. Didn’t want to upset the Personal Injury Lawyers (I guess) ….

          • January 23, 2014 at 3:11 pm
            Libby says:
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            Taxes wouldn’t necessarily skyrocket, FFA. What if we stopped foreign aid to Syria, Egypt, and other hostile nations? We would use that money for healthcare for U.S. citizens.

            No profit would help make healthcare more affordable and would have nothing to do with research. Research is done by universitites and pharmaceutical companies.

            Don’t know why people wouldn’t work as hard. What does access to healthcare have to do with that?

            We’re America. Surely we can build a better mousetrap that England or Canada.

            And no, a politician wouldn’t be making my healthcare decisions. My doctor would.

            Next?

          • January 23, 2014 at 5:12 pm
            FFA says:
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            We agree 100% on the foreign aide thing. We need to take care of the home land before we can start to worry about others. Somewhere along the line, that theory got lost in the White House.

            Taxes would go up because someone has to pay for it. England taxes gas to cover the Health Expense. From last I saw and its been a while, gas was nearly three times then what it is here.

            without profit, where is the incentive to come up with the next latest and greatest break though in Medicine? why would anyone pursue a cure for cancer if there was no money to be made off their efforts?

            Why they would not work hard? Why would they? They get paid the same as if they see three people a day as the ones that see 20 a day.

            We had a better mouse trap. It needed improvement like TORT Reform that was completely ignored.

            With the Govt paying the bills, you dont think they would be sticking their nose into your care???? Hell, he is sticking his nose in our bed rooms, infringing on religious freedoms, and digging his hand in my pocket so we can send or money over seas.

            Single Payer seems counter productive to a free market economy.

          • January 24, 2014 at 8:55 am
            KY jw says:
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            FFA – I think some research would continue because medical schools are part of that equation. I don’t know if profit would be allowed for pharmaceutical companies, so they may or may not continue to do research.

            Many non-profit hospitals exist & thrive, so I don’t think taking profit out of hospitals is bad. Would it affect the supply of doctors? Maybe, if med school continues to be so expensive. What if med school became part of the healthcare system so that the tuition is subsidized somehow?

            I’m just rambling on a Friday morning, wondering if we could build a better system than other countries. That would be my dream solution, but I’m not convinced it is possible.

          • January 24, 2014 at 8:59 am
            Libby says:
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            FFA – I kindly agree to disagree with you on this issue.

          • January 24, 2014 at 1:10 pm
            FFA says:
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            Well Jw, Subsidize….. All that translates to in the real world is shifting expense from one to another- ie the Med Student to the tax payer.

            And Libby, thanks for not making me think too hard today. 04:00am wake up call to get my mom to hospital. was gonna head to WI & do some smobiling, but I think that plan is shot…

          • January 24, 2014 at 1:14 pm
            Libby says:
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            Sorry about your Mom, FFA. Hope she is doing well.

          • January 24, 2014 at 2:09 pm
            FFA says:
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            Thanks Libby. I’ll never get used to them 04:00 am wake up calls… They got the bleeding stopped and sent her back to the home.

          • January 26, 2014 at 2:25 am
            bob says:
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            Libby:

            I can give you one primary reason single payer is bad:

            Healthcare outcomes for catastrophic care.

            I showed you our survival rates. They are the highest in the world. Our system isn’t broken. Our lifestyles are.

            Our system has better outcomes than any other country, and higher survival rates. Don’t say it’s just those who can afford it who have the higher survival rates. It isn’t. I have also shown that when you adjust for our alarmingly high murder/vehicular death rates, our life expectancy is equal to every other country despite having an obesity rate that is 1/3rd that of most nations that have single payer. Our fat bastards are living as long as their healthy bastards, and more of our fat bastards have a high survival rate than their skinny bastards. It’s clear which system is better.

            When those with horrible conditions survive just as long here as those with pristine in other countries, it shows the other countries have better lifestyles but far worse systems.

          • January 26, 2014 at 2:26 am
            bob says:
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            That should have read our despite other nations having an obesity rate that is typically 1/3rd ours.

      • January 22, 2014 at 5:14 pm
        Original Bob says:
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        Fool me once shame on you, fool me twice shame on me. The voters re-elected many of the people who gave us the ACA so why is it not fair to blame the voters?

        • January 22, 2014 at 6:03 pm
          Agent says:
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          Bob, Libby doesn’t mind getting fooled twice so shame on her. The dumbed down society we have now fell for a slogan and a smooth speech giver. They haven’t paid attention to the news ever since cell phones became widely used. Also, the major networks don’t do news reporting anymore so where are you supposed to get your information unless you get it online from a reliable source or Fox who does report it.

          • January 23, 2014 at 8:54 am
            Libby says:
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            Hidden due to low comment rating. Click here to see.

        • January 23, 2014 at 6:04 pm
          Agent says:
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          FFA, A simple statement from the late great Margaret Thatcher who said – “The trouble with Socialism is that pretty soon you run out of other peoples money”. Never have truer words been spoken.

          • January 23, 2014 at 6:10 pm
            FFA says:
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            Wonder if Barack would flirt with her??? As jim McMahon once said, you can drink them pretty, but you cant drink them thin.

          • January 24, 2014 at 9:02 am
            Libby says:
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            That’s not nice. Besides, what man doesn’t want a little cushion to snuggle up to? You want to sleep with a bag of bones?

          • January 24, 2014 at 1:11 pm
            FFA says:
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            Libby, not sleep…. Besides, we always want what we cant have… Thats the child in all of us…

          • January 24, 2014 at 1:12 pm
            Libby says:
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            You want to lay on top of a bag of bones? Go for it. I’m glad my husband likes my curves.

          • January 24, 2014 at 2:11 pm
            FFA says:
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            The right curves are just fine with me. If I cant see your hammys because you caboose is blocking the view, well….

            A little cush with the push is good. For me personally, I may have enough for the both of us.

          • January 24, 2014 at 2:31 pm
            Libby says:
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            My hammys?

          • January 24, 2014 at 2:50 pm
            FFA says:
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            Ham Strings….

          • January 24, 2014 at 2:59 pm
            Libby says:
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            I guess it depends on what angle you’re looking at my hammys. Straight down, my caboose would probably be in the way. Isn’t everyone’s?

          • January 24, 2014 at 3:21 pm
            FFA says:
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            You have to aweful short for me to look straight down at anything.

          • January 24, 2014 at 3:49 pm
            Libby says:
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            5’3″?

          • January 24, 2014 at 4:35 pm
            FFA says:
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            HMMM. If you as dumb as a box of rocks, we would get along just great. i always like my women short, skinny and stupid. I would never date anyone that could beat me up.

            Then I marry someone that much taller then me and could beat the crap out of me. She worked Road Construction for many years. She did the maintenance on all the equipment when the road work was slow. She sees me with a wrench in my hand, she takes it away.

            My dating “model” didnt work so I broke the mold and went with the opposite.

          • January 24, 2014 at 4:38 pm
            Libby says:
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            Well, you’d lose out with me. Short, curvy, and smart as hell. But I doubt I could beat you up. Maybe 10 years ago when I did weight training, but not so much these days.

            My hubby is 6’4″. We’re a funny pair!

          • January 24, 2014 at 5:16 pm
            FFA says:
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            Like I said, I had to break the mold to find my special someone…. She has shrunk a bit. Ostio whatever the doc said. This accident has really taken its toll on her. In constant pain.

      • January 22, 2014 at 10:22 pm
        Sergeant Major says:
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        Yes Libby but those in favor of healthcare for everyone thought that they would be saving 2500.00 or more in premium, thought they were going to be able to keep their doctor, thought they could keep their healthcare plan if they liked it, did not know their deductibles would be 2,3 or 4 times higher than they were, did not know they would be subjected to a multitude of new taxes that will impact the middle class, did not know their personal information would be subjected to every hacker in the country because of a lousy, unsecured website etc, etc, etc.
        The rest of the obamacare lovers were looking for free healthcare paid for by the rest of us. Since 80% of those who signed up we’re Medicaid sign ups;looks like the free sh*tters are way ahead.
        In the meantime 6 million people lost their healthcare and the “best” this administration can come up with is 2.1 million sign ups which is a farce. They don’t know how many actually bought and paid and they counted anyone who applied and was approved.

        • January 23, 2014 at 8:57 am
          Libby says:
          Hot debate. What do you think?
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          Sarge – Didn’t I say this turned out to be a bad way to do it? I could have sworn I said that.

          And I don’t want anything paid by others. I pay my taxes. I’d prefer they go towards providing healthcare to Americans than aid to Egypt and Syria. Why is it wrong to use our tax dollars to benefit our own citizens, but it’s OK to use them to invade other countries and take care of the world?

          • January 23, 2014 at 12:05 pm
            Libby says:
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            I guess there are 2 people that would rather use tax dollars to support Syria and Egypt than to provide healthcare to U.S. citizens. Commies.

        • January 23, 2014 at 10:46 am
          Agent says:
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          Hi Sargeant. Good to have you back on the forum. Your summary is excellent. I hope all those libs like their Medicaid replacing their “substandard” policies because that is where a majority are sent. Hollywood could not make up what has happened to this country in a few short years. So tell me, if 6 million have lost their coverage because it doesn’t fit the model, and the government only signed up 2 million, mostly on Medicaid, are they not 4 million behind or is my math fuzzy?

          • January 23, 2014 at 12:06 pm
            Libby says:
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            Your math is usually fuzzy, expecially considering you claim to have an Economics degree.

          • January 23, 2014 at 1:45 pm
            Sargeant Maor says:
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            Hello Agent,

            The way I look at it, The Obozocare officials say they need 7 million people (Not sure how they got to the number or if it was pulled out of the air. 6 million have lost their coverage. That makes the net number 13 million. They signed up 2.1 million (also a mushy number which can’t be varified). So, the net impact from this bad legislation is 10.9 million more sign ups needed, varified to be where the adminstration said they would.

          • January 23, 2014 at 4:12 pm
            Agent says:
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            Libby, are you calling your President a Commie for giving aid to the Syrian rebels (Al Quida) and the Muslim Brotherhood in Egypt military equipment and money? Why did you vote for him twice? He may not be a Commie yet, but his is sure a Socialist big time. Of course, he may morph into a Commie if he does what he says he will and go around Congress to implement his agenda with the pen and the phone. That is how Dictators operate. Chavez did it in Venezuela for many years and the new leaders continue it to this day.

          • January 23, 2014 at 4:34 pm
            Libby says:
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            There you go again, Agent. Put on your reading compehension hat and read my post again.

            I called YOU a commie for thumbing me down indicating you would rather spend U.S. tax dollars supporting Syria, Egypt, and other hostile countries instead of providing healthcare to your own citizens.

          • January 23, 2014 at 5:16 pm
            FFA says:
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            Libby, if Agent is a commi for supporting it, then OBoma would be for actually doing it… It is Obama in the top spot.

          • January 24, 2014 at 9:03 am
            Libby says:
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            But Obama’s not doing it. He’s trying to help Americans get healthcare.

          • January 24, 2014 at 1:13 pm
            FFA says:
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            But Libby, his method isn’t working… He is not backing down after proven failure. Besides, who can believe anything this guy says from this point on?
            he is not the man to get the job done.

          • January 24, 2014 at 1:18 pm
            Libby says:
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            FFA – there is an article on IJ today that confirms people do not like the ACA, but are against repealing it without an alternate plan. The majority wants healthcare reform. Obama won both elections based on this fact. They don’t want the law repealed. They want it fixed.

            This new article says Repubs are finally realizing they need to come up with an alternative in order to get votes. Let’s see what they come up with. After all, the ACA was their plan to begin with and we see how that’s turned out.

          • January 24, 2014 at 2:14 pm
            FFA says:
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            I agree Libby. No Tort reform, there is no reform. I did read that Libby. The light Bulb finally got turned on… Hopefully, they will do it right this time.

    • January 22, 2014 at 4:31 pm
      Agent says:
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      FFA, Gerald Ford was not in the White House for long, but I think he was an honorable man. The worst thing he did was pardon Tricky Dicky and that cost him against the wonderful peanut farmer we got as a result. You know who I mean, the worst President in modern history up until 2008 and he was quickly supplanted. I don’t remember any corruption charges brought against Ronny and he was there for 8 years.

      • January 22, 2014 at 4:51 pm
        Libby says:
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        Interesting fact:

        “After Ford left the White House in 1977, the former President privately justified his pardon of Nixon by carrying in his wallet a portion of the text of Burdick v. United States, a 1915 U.S. Supreme Court decision which stated that a pardon indicated a presumption of guilt, and that acceptance of a pardon was tantamount to a confession of that guilt. In 2001, the John F. Kennedy Library Foundation awarded the John F. Kennedy Profile in Courage Award to Ford for his pardon of Nixon. In presenting the award to Ford, Senator Ted Kennedy said that he had initially been opposed to the pardon of Nixon, but later stated that history had proved Ford to have made the correct decision.”

        • January 22, 2014 at 5:41 pm
          Agent says:
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          Good answer Libby. It might have been the right thing to do to heal the country and spare a trial etc, but politically, it was disastrous. Ford had no chance to win in the election after that pardon. Look at who beat him, a peanut farmer from Georgia with no clue as to how to govern. He was and is an embarassment to this country. I remember his little fireside chats where he had his cute little sweater on and saying we should just turn the thermostat down in the winter and wear more clothing. That was the extent of his energy policy. His other policies were equally disastrous. What a joke! It was a long 4 years until we got him out of there.

      • January 22, 2014 at 5:06 pm
        FFA says:
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        Some say Ron was the best resident of our generation…
        Jimmy Carter…. Didnt he get us Billy Beer??? yummyyyy….

        Ford just didnt have enough time to get caught doing anything wrong or right for that matter. I remember in his final months in office he offered State Hood to Puertorico (I can spell today)…

        • January 22, 2014 at 5:46 pm
          Agent says:
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          I agree FFA, but that didn’t stop the kook woman from trying to assassinate him in SF. Ford was probably our least confrontational President in modern history. Those were the times.

        • January 22, 2014 at 10:30 pm
          Sergeant Major says:
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          FFA, I think Ford was the right guy at the right time. He was honorable, made good decisions for the country (with exception of Puerto Rico) and was not afraid to make decisions.
          As far as Puerto Rico? The US subsidizes all of Puerto Rico. They are a lousy non self sufficient drain on the US which we (the US Taxpayer) get no benefit. We might be better making them a state or close the checkbook and tell them to take care of themselves. I vote close the checkbook and pull the plug

          • January 23, 2014 at 10:44 am
            FFA says:
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            My vote too. We have enough hungry on the main land that needs that assistance.

            I’ll take it one step further – cut off all foreign aide. Every penny…

          • January 23, 2014 at 10:51 am
            Agent says:
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            Sargeant, all Puerto Rico has going for them is Tourism and Rum making and Chi Chi Rodriguez. Chi Chi came from humble beginnings and rose to be a star in professional golf. He was about 5’6″, weighed 130 lbs soaking wet and could hit it a mile. He is also very funny and I have seen him play many times in person. Put him with Lee Trevino and you are thoroughly entertained.

      • January 23, 2014 at 12:14 pm
        Agent says:
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        Libby, someone needs to show you how to use a 10 key since you obviously can’t add or subtract. That is the way with most Progressives. Money, numbers don’t mean anything to them. All they care about is spending the taxpayers money unwisely and running up huge deficits and bankrupting the economy. $17 Trillion so far and rising.

        • January 23, 2014 at 1:08 pm
          Libby says:
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          Hidden due to low comment rating. Click here to see.

          • January 23, 2014 at 3:39 pm
            Agent says:
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            Yeah Libby. We know you are a fiscal conservative and social liberal which is the worst mix since it is oil mixing with water.

          • January 23, 2014 at 3:55 pm
            Libby says:
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            What is oil and water about it? I want smaller government, fairer taxation, but equality for all. It’s the epitome of freedom.

            Because I am for equal rights for women, gays, rich and poor you label me some sort of spendthrift. You’re very narrow minded Agent.

          • January 27, 2014 at 4:05 pm
            Agent says:
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            ( * )

  • January 22, 2014 at 3:01 pm
    FFA says:
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    Whats the Difference Between Gov Quinn & OBama?
    Quinn racks up debt in the Billions.
    OBama racks up debt in the trillions…

    • January 22, 2014 at 4:19 pm
      Agent says:
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      So FFA, if this country has debt in the trillions and borrows $.40 of every dollar from China and others to operate, how do we justify giving billions in foreign aid to countries that don’t like us?

      • January 22, 2014 at 4:26 pm
        FFA says:
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        It fits OBamas Agenda. Export all jobs and import all debt… Screw the poor people of America. Screw the Business Man in America. Screw American. After all he is ________ (fill in what ever you want so long as its not American).

      • January 22, 2014 at 5:07 pm
        FFA says:
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        I think his end game is we are all Chinease…

        • January 22, 2014 at 5:49 pm
          Agent says:
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          China owns us. They are coming in and buying large properties. They had better watch out. Japan tried that many years ago when they were the big dogs and it backfired on them. They had to sell a bunch of real estate at a loss when they got in economic trouble and they are still in trouble. They have tried some of their own Stimulus plans and it has worked about the same as our Stimulus that wasn’t a Stimulus.

    • January 22, 2014 at 10:32 pm
      Sergeant Major says:
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      FFA, I thought you were going to say the difference is Obama, while from ILL hasn’t done time in the ILL state penal system- (yet) LOL

      • January 23, 2014 at 10:35 am
        Agent says:
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        Something tells me he won’t be retiring to Chicago. He wouldn’t be able to play golf year round there. Hawaii beckons and he will probably buy half of Maui. Good! Out of sight, out of mind. It will take a long time to recover from the damage done to the country.

      • January 23, 2014 at 10:43 am
        FFA says:
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        Sarge, he would go Federal like the rest of his pals…

  • January 22, 2014 at 4:03 pm
    vince phillips says:
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    Although I am glad that the IRS is delaying implementation of 105(h) anti-discrimination against non-highly compensated individuals, the IRS does seem to forge policy and not implement the law when:
    - the law says required reporting for employers 2014; changed to 2015
    - employer penalty 2014; changed to 2015
    - spouses are no longer dependents
    - 9.5% of household income is the max for the employee contribution per the law; IRS made up several options such as W2 to use instead of 9.5%
    Don’t get me wrong. It’s not just the IRS. The HHS list of ignored provisions of the law is much longer. the larger point is when Congress passes a law for good or ill, the Administration has the legal obligation to implement it, not to pick and choose and to delay implementation so that the Democrats won’t be shellacked in 2014. That is a corruption of our system of government.

  • January 22, 2014 at 5:19 pm
    FFA says:
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    • January 22, 2014 at 5:58 pm
      Agent says:
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      Huffington Post FFA? I am not surprised at Quizno’s. They can’t stay up with Subway and they have already closed down in my city. Penney’s got in trouble for catering to the gay crowd and they can’t attract the straight shoppers anymore so they are about gone. Red Lobster and Darden have been hurt by Obamacare and all the problems associated with it. Having said that, it will survive in one form or another. You can’t get through the door at ours because it is so crowded all the time and wait times are 20-30 minutes just about every night. They will do just fine and I don’t mind tipping for good service. These poor waiters/waitresses are trying to get by after having their hours cut due to Obamacare.

      • January 22, 2014 at 6:23 pm
        FFA says:
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        I had to check something on AOL and that article popped up. Time for OfnBama to bail out some more American Icons eh??

        Jc Pennys in my neck has already closed two. The other one listed is getting close to home too.

        In the mean time Chick Fil A in my suburb is rolling! Guess there are a still more straight people then gay people out here. IN the mean time, my daughters restaurant is dying a slow death.. Getting sent home more and more often, earlier every night. Used to be home at 11:00pm. Now she is rolling in around 09:00 – 09:30pm…

        • January 23, 2014 at 10:32 am
          Agent says:
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          You are right about Chick Fil A. Ever since the gays said they would boycott them, business has been booming. We have three of them and they are always busy inside and the drive through. Among the sit downs, Texas Roadhouse and Outback do the best and both have wait times to get in.

          • January 23, 2014 at 12:08 pm
            Libby says:
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            Texas Roadhouse is the BEST!

  • January 22, 2014 at 11:27 pm
    Sergeant Major says:
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    Two new can you top this Obamacare stories- 1.) small business owner 11 employees. Deductibles tripled, and the monthly premium went from approximately 4,850 per month to 11,270. Per month. Additionally, The RX plan no longer pays for specialty drugs like Humira or methotrexate etc. he says he may have to let it go and send his employees go to the exchanges on their own.
    2.) A business owner we insured with 30 employees, sold his business. Made over 5 million net to him from the sale. He has a form of leukemia and his healthcare cost was somewhere north of 2000 per month (according to him). Once the sale closed he needed Heath insurance. He called the 800 line. He was asked “what his W2 wages were gong to be in 2014? He said- “I will not have W2 wages in 2014″ They then asked- “so you won’be making a salary or be paid hourly?” He said no- his premium with leukemia? 232.00 per month. This guys net worth is in excess of 10 million dollars by a lot. Thank you Obama! He laughed and said I still would not vote for him.

  • January 23, 2014 at 10:41 am
    FFA says:
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    Sarge, they didnt ask the right question… He is going to have unearned income that is supposed to be taken into account on the subsidy. It may come in the form of an Annuity or interest income, but he is gong to get hammered on the 2015 Tax Return.

    This is a very good scenario of why this is not going to work. Its all Adverse Selection getting put on.

    Has anyone in this forum put anyone in the system that is not Adverse Selection? Anyone?? Libby? Agent? Cap? Dave? JAck? Always? JW? Any one?

    • January 23, 2014 at 10:55 am
      Agent says:
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      FFA, I am sending inquiries to the Blue Cross website. I won’t touch this with a 10 foot pole. I think it will be better not to fool with it on my E&O renewal.

    • January 23, 2014 at 12:09 pm
      Libby says:
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      I don’t do benefits, FFA. P&C only. Always have. Always will.

    • January 23, 2014 at 1:55 pm
      Sargeant Maor says:
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      FFA, you are right they did not ask the right questions but that goes to the issue of not having quality people ask the questions. Seems like a bunch a Rubes to me. So, there are people who will get a pass for the next year, then get hammered on their 2015 tax return because the government has idiots signing people up, who are paid for with ur tax dollars. Great

      The idiots signing people up could be part of the problem with 80% of sign ups all being medicaid.
      Next headline- “widespread fraud in the Obamacare system, people wrongly on Medicaid!”

      • January 23, 2014 at 5:20 pm
        FFA says:
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        People need to ask about their MAGI – Modified Adjusted Gross Income, not what their W@ says. I get 1099′s. Do I get free health care?
        Your guy is going to get hammered at the 2014 Tax season… You would do wise by him to inform him of what the 800 pin head did to him…

    • January 23, 2014 at 2:20 pm
      KY jw says:
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      I’m just a P&C analyst, I don’t deal with people. ;)

      • January 23, 2014 at 2:56 pm
        Agent says:
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        KY, if you don’t deal with people in your job, you are lucky. Agents get chewed on every day of the week by customers for what is going on in our industry and with this terrible law. FFA gets it, I get it, Sargeant gets it. That is why we make the big bucks so we can take the heat. After the customer understands who did this to them, they understand and get off our back. And no, we aren’t racists for not liking this Progressive agenda and the ruination of a once great country.

        • January 23, 2014 at 5:22 pm
          FFA says:
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          Ummmmm. I dont make the big bucks. I get by & survive… I try to help my producer as much as I can, but….. I dont make the big buck… Something wrong here.

          Could it be that the govt at all levels keep thinking they know our jobs better then we do?

          • January 23, 2014 at 5:55 pm
            Agent says:
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            FFA, I was being a little sarcastic with my comment about us making the big bucks so we have to take the heat. I am glad I am 98% P&C so I don’t have to deal with this much. We, as Independent Agents are survivors in the marketplace. I have been at this a long time and have seen many ups and downs. I must say I have never seen a cycle like this. A bad economy and hard market wanting rate increases is tough to deal with. You and I have to look the customer in the eye and try to explain things and smooth the feathers. The employees on this site don’t have to do that and they will never understand it. They think it is easy and companies are so impersonal, they just ram things through and hope they stick. What a world we live in.

          • January 23, 2014 at 6:15 pm
            FFA says:
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            Since OBama came to be, its been a struggle. I dont want to pack my family up and move, but now my wife is starting to put that pressure on me. I had a 35% jump in revenues last year…

            everyone in the forum knows my stand on Illinois, but yet I seemingly turned a corner last year. Even with Quinn screwing me out of over $500000 in premium volume, I still cranked it up…

          • January 24, 2014 at 9:07 am
            Libby says:
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            Agent – I may be an employee, but I have a book of business and have to look my clients in the eye at renewal and explain the same things you do. If I lose the account, it affects my pay. That’s why I approach every renewal as new business.

            You need to have more respect for employees. Without them you would have no business at all.

          • January 24, 2014 at 9:08 am
            Libby says:
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            FFA – Obama must not be too bad if you had a 35% increase in profit last year.

          • January 24, 2014 at 1:16 pm
            FFA says:
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            Libby, not profit, revenue. With the massive increase in expenses, Profit is way down…. My 1040 will also show a decline from the year prior.

          • January 24, 2014 at 1:19 pm
            Libby says:
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            Your expenses went up more than 35%??? How the heck did that happen?

          • January 24, 2014 at 2:21 pm
            FFA says:
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            Yes Libby, my expenses went up to the point it eat up all the increase in revenue.
            1) Health Insurance Cost was way up from 2012.
            2) I ramped up payroll expecting the Health Care to take off. Pay for training. Jump through all the hoops. ect… get NOTHING from it.
            3) moving the office.
            4) All other insurance was up. Comp BOP Umbrella.
            5) tech expense was way up. I ramped up security fearing that Obama and his web site was not properly secured.
            6) Phone & all other communication was up.
            7) Postage expense jumped way up
            8) Community Events expense was up.
            9) Taxxes were way up. Unemplyment Ins included.

            Taxxes and Health Insurance were the two biggest expense increase. And I have yet to sit down and disect everything.

            I work harder and harder and the Govt always finds a way to take it from me.

          • January 24, 2014 at 2:35 pm
            Libby says:
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            I hear ya, FFA. Big business gets all the breaks, but not small business. It sucks for the little guy.

          • January 27, 2014 at 4:01 pm
            Agent says:
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            So FFA, I am not surprised that Libby didn’t know about revenue and expenses since all she does is collect her check every two weeks. If she were cutting the checks out of the agency account on a regular basis, she might have a little more understanding. There is only so much in the till and we are dependent on commission income for our living. Some carriers have been cutting commission over the years. They seem to think we can do just fine on 10% for Auto. We used to get much higher commissions on HO, Inland Marine etc. Not so much anymore. The only answer is to put more business on the books to make it. The tax burden is enormous, particularly in the blue states. At least I live in Texas with no state income tax. I still don’t like my quarterlies I have to send to Obama so he can promptly waste it on his nefarious schemes.

        • January 24, 2014 at 9:05 am
          KY jw says:
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          I am quite fine with not getting the big bucks if the only way is to work with customers.

          • January 24, 2014 at 11:10 am
            Agent says:
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            No customers, no income. A wise insurance man once told me that the customer may not always be right, but they are always the customer. An agent makes it by acquiring customers and then keeping them on the books. We have to listen to all their complaints and smooth the feathers down when they are upset with rate increases or what the government is doing to them. They are certainly right on that issue for the past 5 years.

          • January 24, 2014 at 11:55 am
            Agent says:
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            And you Libby should be respectful of your employer who took a chance when they hired you. Employers take the risks, put the money up, get the markets to appoint, pay the bills, put up with all the headaches, pay the taxes for self employment, employees wage taxes, provide benefits and most are also producers that bring the business in and then make a sale and bring the customers into the agency. We wear a lot more hats than you do and are responsible for profit and loss and the welfare of the agency. I wonder if your boss realizes how much time you play on IJ instead of doing your job.

          • January 24, 2014 at 12:00 pm
            Libby says:
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            I wonder if your employees know how much time you’re on here while you’re busy telling them how hard you work and how many hats you wear! LOL!

            And my boss took no chance in hiring me. I’m a proven commodity.

          • January 24, 2014 at 1:18 pm
            FFA says:
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            Well agent, I think you may have missed some points, but you did make your point. We have all kinds of crap hit us from all angles.

          • January 24, 2014 at 4:43 pm
            Agent says:
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            I hear you on the expenses FFA. We did not have one expense that wasn’t higher in 2013 than in 2012. We had good growth in income and it was eaten up with much higher expenses. We also had to do raises for employees and that is by far our biggest expense. They work well and are efficient, but the companies and all their changes, rate increases keep them hopping remarketing everything coming down the pike. This is a much harder business environment than just a few years ago. A lot of it has to do with what government is doing and the unpredictability with the market and what is going to happen in the near future. We had better hang onto our hat, because it is going to be a bumpy ride.

          • January 24, 2014 at 5:29 pm
            FFA says:
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            Yes Agent. I ramped up payroll (70.91%)expecting things to pop. Seriously considering letting my service rep go and running just me and my producer.

            But the confusion sets in. One of my friends kids has inquired about being a producer. He is tired of traveling the country as a sales rep.

            Then my niece calls me inquiring the same… She a paralegal. Straight A Student out of NIU.

            When I broke independent, I had a goal of 5 producers on the payroll by then end of my 5th year.

            I generate the leads…. Just got a call back on a cold call that includes 12 commercial vechs, the GL, IM, Comp Umbrella….

            Maybe the growth spurt isnt over yet??? What the heck should I do? My wife wants to move out of state??? People calling agreeable to work straight up commission… Maybe I could be one of these power house brokers???

  • January 23, 2014 at 11:15 am
    FFA says:
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    Any healthy inquires?

    • January 23, 2014 at 12:26 pm
      FFA says:
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      I guess my point is that no one that is healthy has signed up that any of us in the Insurance Industry knows of.

      I am trying to get the ratio of Adverse Selection to the Young / health invincible.

      Everyone know that is the key. In my agency anyways, this thing will implode.

      • January 23, 2014 at 2:23 pm
        KY jw says:
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        Sadly, until the claims are paid, no one will know if any young & healthy people bought insurance. It’s a little late by then. (my guess is not many, but that’s just a guess)

        • January 23, 2014 at 3:01 pm
          Agent says:
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          KY, it will be the unhealthy that will be filing claims, not the young and healthy. I can see it now. They go in to the doctor and their bill is $4,000 for the treatment and then they are told their deductible is $5,000. Sorry, would you like to pay cash? You don’t have an insurance claim here. The patient says, I thought I had insurance to pay for this. No, not until your deductible is met. Oops!

      • January 23, 2014 at 3:24 pm
        Agent says:
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        FFA, do you not believe the numbers that were put out a week or so ago that 24% were the Millenials signing up? Since everything else this administration has proved to be a lie, I would doubt we have 24% of them signing up. It is overwhelmingly the older, sicker signing up and some of the applicants are the ones who lost coverage (6mil). Many are being sent to Medicaid instead of exchange policies.

        • January 23, 2014 at 5:24 pm
          FFA says:
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          Well Agent, if I am doing math like OfnBama does, I am sure 24% is accurate. If I am doing math like my first grade math teacher does, well, I am sure they come up with different answers.

          • January 23, 2014 at 5:48 pm
            Agent says:
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            FFA, if you like Obama’s numbers, you can keep them. If you like your Health coverage, you can keep it, PERIOD! If you like your doctor, you can keep him, PERIOD! You can save $2,500 on your family premiums, right? You should also like your deductibles and out of pocket expenses, right?

          • January 23, 2014 at 6:17 pm
            FFA says:
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            Yes, and I am 25 years old and weigh 175 and am 6’2″… Period. Oh, and I have a full head of hair too.

          • January 24, 2014 at 4:01 pm
            Agent says:
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            Hey FFA. I don’t know if you subscribe to Town Hall. They posted a story of the Aetna CEO, a guy named Bertolini that was interviewed by CNBC, hardly a bastion of Conservatism. Basically, he told them that Aetna may pull out of Obamacare because clearly the uninsured are not applying for coverage. The ones applying are people that were insured and then cancelled or the sick PreX and not the healthy uninsured. The risk pool is not being populated with who they said would benefit. He said the rates coming out in May will be double digit. Only 11% of applicants appear to be those firmly uninsured and that is not a proper risk pool. So what was the point of Obamacare/ ACA if it wasn’t going to bring rates down and pick up the uninsured? Did the President say the average family would save $2,500? Did he say if you like your plan, you could keep it, PERIOD? If Aetna pulls out, can Blue Cross, United be far behind? The implosion continues unabated.

          • January 24, 2014 at 4:44 pm
            FFA says:
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            Wow Agent… We are not even through Jan, the first month. I suppose if the Govt Payment System would work properly and the carriers would get their money, Aetna may be willing to hang in there a little longer, but yep. If that is Aetnas experience, it cant be far off the other carriers.

            I hope the folks at Land of Lincoln (An Il Start Up) is paying attention.

          • January 27, 2014 at 10:28 am
            Agent says:
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            FFA, I saw an interesting article on how to create a Socialist State. The teaching is from Saul Alinsky on his “Rules for Radicals”. There are 8 levels of control that must be obtained before you create a Socialist State.
            1. Healthcare- Control Healthcare and you control the people.
            2. Poverty – Increase the poverty level as high as possible, poor people are easier to control and will not fight back if you provide them with entitlements.
            3. Debt – Increase the debt to an unsustainable level. That way you are able to increase taxes and this will produce more poverty.
            4. Gun Control – Remove the ability to defend themselves from the Government. That way you are able to create a police state.
            5. Welfare – Take control of every aspect of their lives (Food, Housing & Income).
            6. Education – Take control of what people read and listen to – take control of what children learn in school.
            7. Religion – Remove the belief in God from the Government and schools.
            8. Class Warfare – Divide the people into the wealthy and the poor. This will cause more discontent and will be easier to tax the wealthy with the support of the poor.

            Does any of this sound like what is happening to the United States right now? Do we know who the student of Alinsky is?

        • January 24, 2014 at 9:10 am
          KY jw says:
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          • January 24, 2014 at 9:12 am
            KY jw says:
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            It really isn’t a good idea for me to try typing before my third cup of coffee. “could are”? Really? TGIF (and ignore could in my post)

          • January 24, 2014 at 2:48 pm
            Agent says:
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            FFA, I guess you cut a striking figure at 6’2, 175 lbs. And you still have hair after being in this business for a while. I am a veteran, but still have my hair. Perhaps it is because I don’t employ anyone like Libby or I would be tearing it out and would have to send her on her way for playing IJ instead of doing what I hired her to do.

          • January 24, 2014 at 2:57 pm
            Libby says:
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          • January 24, 2014 at 5:42 pm
            Agent says:
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            Well FFA, we have been in this enrollment thing for nearly 4 months now and the carriers are seeing the fruit and the fruit is rotten. Of course, the law is also so flawed, it can’t possibly work for the carriers. These companies jumped on the bandwagon thinking it would be to their benefit. I am sure they were in awe meeting in the White House and being told they would make more money and would be insuring more people and charging more for coverage. The outrageous lies that had been told to the American People were repeated to them and then reality set in. Now, the bailout of companies looms as people aren’t enrolling or can’t figure out what to do or who to pay and they are upset with premiums which will continue to skyrocket. May increases in double digits. Can you see some of these people seeing another rate increase on top of the high premium they just signed up for? Stay tuned, it is now on fast forward toward implosion.

      • January 23, 2014 at 5:19 pm
        Agent says:
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        Hey FFA & Sargeant, you know what else we will get if Libby & Planet get their precious Single Payer coverage through the government? No more Health Insurers needed for the country so we get about 500,000 more unemployed professionals. What will that do to the tax receipts for individuals and companies? Everybody else will have their taxes increased again to make up the difference and we will have the supreme wasteful government with their hooks into us for health coverage that doesn’t work and will be exceptionally high because they have no clue what they are doing. Can’t possibly work and a revolt would follow if it is done.

        • January 24, 2014 at 9:10 am
          Libby says:
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          • January 24, 2014 at 11:15 am
            Agent says:
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            Is Great Britain your example of how it has worked? Their system is bankrupt, hundreds of thousands of healthcare workers laid off, long wait times to see a doctor, long waits to get an operation and the now infamous Pathway to Death for seniors. Yes, it has worked miracles for their citizens.

          • January 24, 2014 at 12:08 pm
            Libby says:
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          • January 24, 2014 at 1:20 pm
            FFA says:
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            Carnac??? Are you going old school to Johnny Carson???

          • January 24, 2014 at 2:44 pm
            Agent says:
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            Libby, for every leftist site you trot out like Columbia???, there have been dozens of articles published in recent years going back to the original debate on Healthcare that demolishes their Single Payer National Health Service. Do you not remember the controversey about “Pathway to Death” they instituted a while back. They don’t treat seniors with serious health issues. They basically just let them die. We have the same premise with Obamacare with their bureaucrats who will make life and death decisions on whether seniors will be treated or let die.

          • January 24, 2014 at 2:46 pm
            Libby says:
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          • January 24, 2014 at 2:51 pm
            Libby says:
            Hot debate. What do you think?
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            Agent – you’re hopeless. You have NO sites to prove your outlandish statements. All you do is deride mine.

            And yes, I do remember our past discussions where I PROVED to you that your (once again) outlandish statements about a “Pathway to Death” were false, wrong, off-the-mark, and downright lies.

            The Liverpool Care Pathway for the Dying Patient (LCP) is a UK care pathway covering palliative care options for patients in the final days or hours of life. It was developed to help doctors and nurses provide quality end-of-life care.

            Even though I spell it out for you, time and time again, you continue to upchuck all your right-wing propoganda hogwash poppycock. The LPD is nothing more than hospice care for terminal patients.

            But I don’t expect you to be able to either comprehend what I wrote or retain it in that little pea-brain of yours. So I’m sure we’re destined to revisit it again in the future. Sigh…

          • January 24, 2014 at 2:55 pm
            Libby says:
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          • January 24, 2014 at 2:56 pm
            FFA says:
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            Carnac was always dead on…

          • January 24, 2014 at 2:58 pm
            Libby says:
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          • January 24, 2014 at 4:59 pm
            nomesaneman says:
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            Oddly, I have been to Karnack, Texas.

            You often get answers before questions in Texas. However, they are rarely followed-up with a curse like:

            “May a bloated yak change the temperature of your jacuzzi” or

            “May a weird holy man…”

        • January 24, 2014 at 3:31 pm
          Agent says:
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          Libby, you would argue with a fence post. There is nothing a Conservative posts on this site that you agree with. I hope you stay in that Pennsylvania shit hole up there on the frozen tundra. We don’t want or need people like you working down here. By the way, post your job growth numbers in your state and compare them to Texas sometime. Do you approve of Cuomo’s remarks that Conservatives aren’t welcome in NY? Boy, that was a good statement. If you don’t subscribe to the Progressive Liberal theme, just leave. I wonder why NY is losing residents up there.

          • January 24, 2014 at 3:53 pm
            Libby says:
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          • January 24, 2014 at 4:23 pm
            Agent says:
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            Libby, very few on this forum agree with what you, Planet, Ron, Celtica have to say. You even attacked KYjw the other day and she has agreed with you often. She has more common sense and is not married to the Progressive cause like the rest of you.

          • January 24, 2014 at 4:40 pm
            Libby says:
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          • January 24, 2014 at 4:48 pm
            FFA says:
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            Agent, thats about half the forum (on a regular basis).

          • January 24, 2014 at 4:48 pm
            Libby says:
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    • January 24, 2014 at 4:34 pm
      Agent says:
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      Yes FFA. Libby seems to think she is more valuable to the agencies success than the owner/producer. I wonder why she didn’t start her own agency from scratch. By the way, CSR’s can be replaced and none are so valuable they can’t be replaced. We have been lucky to have some good ones and currently have very good ones. We have had a few bad apples over the years who didn’t get their work done, liked to visit a lot and play on the internet. They are no longer with us for a good reason. They understand their computer is for agency business, not blogging on the internet.

      • January 24, 2014 at 4:43 pm
        Libby says:
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      • January 24, 2014 at 4:47 pm
        Libby says:
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        • January 24, 2014 at 5:32 pm
          Agent says:
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          I sign the checks Libby. They work for me to do a job. What I do with mine is my business. I get plenty done and still can deal with the likes of you. You are a disgrace to good employees everywhere. Your husband could have done better and I am sure there are other women out there who could replace your disagreeable Progressive ass in a heartbeat.

    • January 24, 2014 at 5:56 pm
      Agent says:
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      FFA, be careful in hiring Producers. We have tried several over the years. The problem with insurance is the lag time from when something is written and commission is received. Most producers want a salary against commission since they have to have an income to pay bills. We had some like that and they wore us out and never could generate enough income to offset salary. I have seen several industry articles that conclude that good producers don’t pay for themselves for the first 3 years. They often don’t have the drive to beat the bushes to bring it in. When I was a young producer many years ago, the agent was making a profit on me after one year because I was out there constantly bringing in business to write and building my book. Young people of today tend to want something handed to them like a book of business to fund them while they are learning. Larger agencies may be able to afford to do that and can play the waiting game for profitable business to be produced. Medium sized and smaller agents don’t have unlimited resources to fund these producers. I have been there, done that so I don’t see that as an option for us anymore. We have 4 producing partners and we like it that way and have established business and get nice referrals on our customers.

  • January 23, 2014 at 12:21 pm
    Agent says:
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    I have inquiries every week. One of my Brokers had an employee lady that called me since they didn’t do Group there and asked about a Health quote. I sent her to Blue Cross as well. Hey, it will quote those Bronze, Silver & Platinum plans all day long and their site is much more secure. She can pick one of those sorry plans and decide if she can afford it or pay the fine for not. Her choice.



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