Private Premiums Under Affordable Care Act 15% Below Forecast, Says CBO

April 15, 2014

  • April 15, 2014 at 12:09 pm
    Libby says:
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    • April 15, 2014 at 2:15 pm
      Original Bob says:
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      I’m not going to argue with the CBO, it was only a 15% “error” in their projection. In government it is nothing to make a $104 billion dollar mistake and still be considered a credible expert source. And a 15% decrease in projection means they now think it will only cost 693 billion Vs 797 billion then add in the chump change for the Medicaid increase of 792 billion – why it’s still a bargain. I really think they should have projected 1.4 Trillion then they could have announced a 50% reduction and that would have made it even more special. The beatings will continue until morale increases.

  • April 15, 2014 at 1:21 pm
    dave5329 says:
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    I tried to sign up for healthcare on the exchange. I was told my Bronze plan would be (with subsidies) 30% of my income… at least I don’t have to pay the fine.

    • April 15, 2014 at 5:21 pm
      FFA says:
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      Thanks for over paying so I can under pay.

      • April 15, 2014 at 5:54 pm
        Agent says:
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        • April 16, 2014 at 10:16 am
          Libby says:
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          Agent – Did you actually READ the study or just watch the video clip on FoxNews? I suspect the latter. If you had read it, you would have seen one of the last sentences of the article:

          “The current work doesn’t determine whether casual to moderate marijuana use is harmful to the brain, she said.” This came from the person who conducted the study, based on only 20 kids.

          • April 16, 2014 at 6:22 pm
            Agent says:
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            Libby, it doesn’t really matter whether it was 20 kids or a thousand or a thousand adults. What makes you think Marijuana use is not harmful to the brain. Your posts make it clear that it has affected yours.

          • April 17, 2014 at 9:34 am
            Libby says:
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            “it doesn’t really matter whether it was 20 kids or a thousand or a thousand adults”

            Spoken from a man that doesn’t believe in science or climate change. Stay in Texas where you belong. You’re probably the resident scholar there. LOL!!!

        • April 23, 2014 at 10:41 am
          Friendly Reader says:
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          You actually believe anything that is reported by Fox News? You should stay in Texas.

    • April 16, 2014 at 6:11 pm
      Dieu Huynh says:
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      That’s impossible O_o. Healthcare plans cannot be more than 10% of your income. Try contacting someone for help with your individual case, but this is really wrong.

      • April 17, 2014 at 9:52 am
        Destro says:
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        It’s no impossible, the cheapest possible healthcare.gov marketplace plan, the cheapest catastrophic plan, was 17.65% of my estimated yearly income. And I don’t qualify for any subsidy whatsoever simply for the mere fact that my employer OFFERS a plan which I A) can’t sign up for until October, and B) is not affordable either.

        There are people I know who make more than me who have access to plans like $21 a month prem. 450 max ded./Out-of-pocket, with everything covered after you spend the $450 max. Just because their employer doesn’t have health insurance through their company.

        This program/policy/law is designed to only help and make healthcare affordable to some poor people, but it’s essentially set up to step on/over those who have chosen to move on from a dead-end job and/or improve their work/career goals.

        • April 17, 2014 at 11:31 am
          Agent says:
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          Destro, it is also the biggest redistribution scheme in American History. It was never about covering the Uninsured as was evident when 6.5 million policies were cancelled. They needed that group to sign up for the Socialist scheme.

  • April 15, 2014 at 1:26 pm
    Captain Planet says:
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    • May 8, 2014 at 9:44 am
      Destro says:
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      You’re a moron.

  • April 15, 2014 at 1:28 pm
    Knotins says:
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    I am so happy ! So my increase of 272% over my private plan is saving me 15%. So the truth is they expected my health insurance to increase 287% ! This is such comforting news.

    I thought insurance was supposed to be more affordable ?

    Libby, your beyond all help because common sense logic has evaded your reasoning skills.

    • April 15, 2014 at 1:58 pm
      Libby says:
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      • April 15, 2014 at 2:22 pm
        FFA says:
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        No Libby, he is not. Many have realized this type of increase. How about the people who were cut back to part time? How about the people that lost coverage because the employer dropped coverage?
        How about the insurance agencies tat went out of business or realized a decrease in revenues forcing them to lay people off?

        You didnt do anything with this (client wise) so you do not know. I did. I have heard it all including one I have been trying to push in for about two weeks now. “Technical Problem” is what the “help desk” says. As of this AM, its still not resolved.

        • April 15, 2014 at 3:17 pm
          Libby says:
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          So he’s not lucky to be alive just because his insurance premium went up? The man has cancer. I’d think he’d be happy with every additional day he has with his family instead of spending his time griping on this website. You, too. There are many, many worse things in life than having to spend a few extra bucks for health insurance to keep yourself alive. Especially if you have the money, which he said he did.

          Quit your bitching. All of you. Go home and hug your husband or your wife, and your kids. Have dinner as a family and spend time together. Life is way too short to live it pissed off all the time.

          Amen.

          • April 15, 2014 at 4:01 pm
            Knotins says:
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          • April 15, 2014 at 4:09 pm
            Connie says:
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            Well, an increase of 272% over a plan you liked before is way more than “a few extra bucks.” Secondly, just because you “have the money” doesn’t mean other people in your situation “have the money.” And not everyone qualifies for subsidies. Third, what about the increase in the cost of co-pays and deductibles? What about the limited choice of doctors and hospitals on most plans? And did you notice the article says the prices are expected to start increasing in 2016? And if you do have “the few extra bucks to keep yourself alive,” wouldn’t you rather be able to spend those dollars on something else, especially since your previous plan that you liked and was working just fine for you was way less expensive than the one you now are forced to buy?

          • April 15, 2014 at 4:19 pm
            Libby says:
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          • April 16, 2014 at 7:45 am
            KY jw says:
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            Seriously, Knotins? Drop the all caps shouting. Nobody is going to stop posting just because you are upset. In fact, you probably just brought more comments with your little hissy fit. Get over yourself.

        • April 15, 2014 at 3:58 pm
          Libby says:
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          My father died of cancer. I never heard him complain one minute no matter what procedure he went through or how much pain he was in. He embraced his last years and was grateful for every day. It makes me sick to hear people complain about, of all things, money.

          I’d give every penny I had to spend one more day with my dad.

          • April 15, 2014 at 5:22 pm
            Agent says:
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            Libby, it is too bad your father didn’t teach you manners or how to be nice to people you disagree with. I guess it comes with the territory of a Blue State Progressive Liberal woman.

          • April 15, 2014 at 7:03 pm
            Libby says:
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            You should talk, Agent. Your manners are no better than mine. And I don’t have to pussyfoot around and try not to hurt your feelings. Man up and get over it. Big boy pants!

          • April 16, 2014 at 7:46 am
            KY jw says:
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            Agent – it’s not like you’re Ms. Manners, either.

          • April 16, 2014 at 11:14 am
            Libby says:
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            You know, I can’t believe I got 10 thumbs-down about my Dad dying from cancer. You Republicans are despicable human beings.

          • April 16, 2014 at 12:01 pm
            ralph says:
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            sincere condolences, Libby. Always boggled my mind that we can put a man on the moon but can’t cure cancer.

          • April 16, 2014 at 12:10 pm
            Libby says:
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            Thank you, Ralph. I feel the same way.

          • April 16, 2014 at 1:41 pm
            Connie says:
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            Libby, I want you to know I wasn’t one of the ones who gave you a thumb down on your post about your dad. I lost my mom to cancer in 1999. I am so, so sorry for your loss. We disagree on politics and religion, but I think it’s safe to say, we are in 100% agreement on something, and that is, cancer stinks, and losing somebody you love stinks. My mom never complained either. In fact, two weeks before she died, she was worried because she hadn’t seen our neighbor across the street and was hoping that lady was ok and just out of town or something. Imagine, you’re dying of cancer, have just days to live, and you’re worried about your neighbor and not yourself? I was in awe over that. Your dad and my mom were both wonderful role models on how to handle suffering and adversity.

          • April 16, 2014 at 2:12 pm
            Libby says:
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            Thanks, Connie. I actually choked up over your post. I miss him every day, as I’m sure you do your Mom. I’m going home tonight and call my Mom.

          • April 16, 2014 at 2:54 pm
            Destro says:
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            Maybe they were thumbs-downing to say “Boooo cancer!”

          • April 16, 2014 at 3:11 pm
            Libby says:
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            LOL! You crack me up Destro. Have you seen how hated I am on here? People thumb me down before they even read my post. I say the sky is blue and dollars to donuts I’ll get thumbed down.

            But, I agree. Boo! Thumbs down to cancer!

        • April 15, 2014 at 4:40 pm
          Agent says:
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          FFA, from the remarks in this forum and on every Obamacare article, it is plain to see Obama’s plan to divide this country by race, gender and class has been wildly successful. That is what he is counting on to try to help his buddies get re-elected in the fall since none of his policies work and haven’t from day 1. Gee, I wonder why so many of his cohorts are running way behind. They will have to get the dead people out in droves to pull this out.

          • April 15, 2014 at 5:55 pm
            Celtica says:
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            Well behaved women seldom make history.

          • April 16, 2014 at 12:02 pm
            Libby says:
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            I’m making history on IJ! I am the most hated, talked about, and thumbed-down on here! LOL! I guess it’s better than nothing.

          • April 16, 2014 at 4:21 pm
            Destro says:
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            You forgot obnoxious. =)

          • April 16, 2014 at 4:32 pm
            Libby says:
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            If you say so. I’ll own it. I have no problem with it. I speak my mind and don’t mince words. Agent doesn’t think I fit the mold of a “proper” woman because I’m not in awe of his business acumen. You know what I say to Agent. Hint: F.U.

          • April 16, 2014 at 4:33 pm
            Libby says:
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            Oh! And potty mouth, too. One of my finest attributes.

  • April 15, 2014 at 1:30 pm
    Big D says:
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    Bring Sebilius back, let’s elect Obama for a third term, if you can believe these windbag liars!

    • April 15, 2014 at 1:59 pm
      Libby says:
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    • April 17, 2014 at 11:35 am
      Agent says:
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      Actually Bid D, Sebelius is thinking about running for the Senate in Kansas now. I am sure the great state of Kansas is real proud of her track record. I don’t think she could win dog catcher in Salina at this point.

  • April 15, 2014 at 1:42 pm
    Celtica says:
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    Who knew that the CBO is full of left wingers who manufactured these numbers just in time for the 2014 mid term elections.

    • April 15, 2014 at 4:17 pm
      Don't Call Me Shirley says:
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      They also conspired with CBS to have Colbert replace Letterman. Then they forced Letterman to retire, so that they could do the replacement. It’s all part of their master plan to wage war against the heartland of America.

      • April 15, 2014 at 4:58 pm
        FFA says:
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        In my opinion, they should have replaced Letterman with Leno…

  • April 15, 2014 at 1:51 pm
    FFA says:
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    Seems easier to predict the weather then where this thing is going to land. YIKES!!!

    • April 15, 2014 at 2:25 pm
      Agent says:
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      It is interesting how they use the word “savings”, isn’t it FFA. I think the promise was that a family of four would save $2,500 each year on their premiums. In the logic of the liberals, a reduction of a huge increase is a savings.

    • April 15, 2014 at 3:14 pm
      Agent says:
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      A little off subject FFA. I told you my wife was having a Spine Stimulator installed to relieve the terrible pain she was having for the past 15 years and after 5 major back surgeries. Well, she had it installed and after waiting for 2 weeks to let the incisions heal, she got it turned on yesterday. She is already feeling some relief and hopefully it will do better as she learns more about what the settings should be. They will do some more fine tuning in about a month. In any case, it is much better than what she was going through on the constant pain.

      • April 15, 2014 at 5:08 pm
        FFA says:
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        Good News. My wife is having a set back. Felt real good for a while and then all of a sudden…

        • April 15, 2014 at 5:24 pm
          Agent says:
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          Hope your wife gets to doing better soon FFA. Maybe your never ending winter has something to do with her ongoing pain.

          • April 15, 2014 at 5:58 pm
            FFA says:
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            As soon as my wife starts to feel better, she thinks she is back to 100% and then over does it. She went Fossil Hunting on Sunday and then started to sand some drywall as I have a small project happening. The she could not get out of bed on Monday and has been in a lot of pain.

            she still thinks she is 20.

          • April 16, 2014 at 7:50 am
            KY jw says:
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            That sounds like my husband! He forgets his herniated discs and tries to shovel snow. We have a perfectly capable 17 y.o. at home for those chores, but nooooo…. I hope winter is over so I don’t have to keep nagging him to put the shovel down.

  • April 15, 2014 at 2:56 pm
    Knotins says:
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    Libby, You are rude, and a royal b**ch. You im only one of several million that has been injured, your next. WAKE UP AND SMELL COMMON SENSE ! Do you think that I am the only one ?

    • April 15, 2014 at 3:23 pm
      Libby says:
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      You are a whiny, sniveling brat. Be happy you’re alive and are fortunate enough to have the resources to afford health insurance instead of bitching about how much it’s costing you. Screw everyone else that has cancer and couldn’t get insurance before! As long as it doesn’t cost me more money. You have no idea how ungrateful and petty you sound. It’s pathetic.

      • April 15, 2014 at 4:07 pm
        Knotins says:
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        • April 15, 2014 at 4:20 pm
          Libby says:
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          Oh, shut up Knot.

        • April 15, 2014 at 4:22 pm
          Libby says:
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          Quit being a puss, Knot. Just say it. BITCH.

          • April 15, 2014 at 4:28 pm
            Knotins says:
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          • April 15, 2014 at 4:34 pm
            Libby says:
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            You sound a little off your rocker, Knot. But luckily, with Obamacare you now how mental health coverage.

            You are the ugly one here. You are fortunate enough to be ALIVE, receiving TREATMENT for cancer, and have the OPPORTUNITY to spend quality time with your family.

            How much money is that worth? All I hear from you right wingers is money, money, money. It makes me sick. Some things are just priceless. You should be on your knees thanking God for all the fortunate things you have. Instead you’re threatening to knock my teeth out. Nice. And I’m the ugly bitch.

            I am not a troll and you know nothing about my personal life. I’m a beautiful person, inside and out, and I care about people OTHER THAN MYSELF.

          • April 15, 2014 at 7:10 pm
            Libby says:
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            “SHOW EVERYBODY HERE WHAT EVERY MAN IN YOUR LIFE HAS LEARNED ABOUT YOU THEN RAN AWAY LIKE YOU WERE A HOUSE ON FIRE.”

            First of all, I’m happily married.

            Second, even if I wasn’t, what makes you think a woman needs a man to live a happy, fulfilled life? Typical misogynist, white, conservative, male remark.

          • April 16, 2014 at 7:58 am
            KY jw says:
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            Libby says: “Second, even if I wasn’t, what makes you think a woman needs a man to live a happy, fulfilled life?”

            Amen! And +1

          • April 16, 2014 at 6:14 pm
            Agent says:
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          • April 16, 2014 at 9:06 pm
            Destro says:
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            “Typical misogynist, white, conservative, male remark”

            Quit being so bigoted against conservatives and pigeonholing people who have a differing opinion than you.

          • April 21, 2014 at 11:40 am
            Libby says:
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            I’m not bigoted against Conservatives. I’m bigoted against white, misogynistic, males that usually tend to be conservative (i.e. Agent). I don’t think you qualify. I guess I’ll find out for sure when I get to know you better.

        • April 15, 2014 at 4:27 pm
          Agent says:
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          Hey Knotins, I have had my share of run ins with Libby. She is just one of those dumb Progressive Liberals who voted for Obama twice and is proud of it, no matter how much harm he has done to the citizens.

          • April 15, 2014 at 4:35 pm
            Libby says:
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            Just gotta throw your two cents in, don’t you Agent?

        • April 15, 2014 at 4:30 pm
          Ron says:
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          Knotins,

          Do you think threatening people in all caps will make any difference to anyone?

          Grow up!!

          • April 15, 2014 at 4:42 pm
            Agent says:
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            You bet Libby. Speaking of getting the two cents worth in, you horn in on every comment FFA & I have and tell us we are dumb agents. Keep you mouth shut about our business and you will not get so much heat.

          • April 15, 2014 at 4:50 pm
            Knotins says:
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            Ron, Sorry, I will use small case !

          • April 15, 2014 at 7:07 pm
            Libby says:
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            I know this business as well as you do.

    • April 15, 2014 at 3:39 pm
      Celtica says:
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      Is this coming from someone whose screen name rhymes with snotins?

    • April 16, 2014 at 7:53 am
      KY jw says:
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      Again, I have to say – Get. Over. Yourself.

      **oh, and work on your typing skills**

    • April 16, 2014 at 10:19 am
      Agent says:
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      FFA, I hear you on the overdoing thing with your wife. Mine has had short periods when she was doing better, tried to do something she shouldn’t have and then paid for it for a week. We are hoping the Stimulator will allow her to do more without the consequences. If it works as advertised, she can adjust the settings to block the pain signals.

      • April 16, 2014 at 11:34 am
        FFA says:
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        Keep me posted, if you would please…

        • April 16, 2014 at 11:56 am
          Agent says:
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          Will do FFA. I saw a video on the news the other day that a paralyzed guy had a version of the Stimulator put in and he was able to move his legs some. Technology keeps advancing and who knows what the potential is for this kind of treatment.

  • April 15, 2014 at 3:06 pm
    jack says:
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    You might be a dumb fing liberal if you think this wont cost the middle class an arm and a leg over the next 10 years. Who the hell do you thinks going to pay the 85% cost above the 15% forecast reduction?

    • April 15, 2014 at 3:27 pm
      Agent says:
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      Hey Jack, did you see the article in Newsmax.com today on the 442 tax hikes Obama has formally proposed since first taking office? This was compiled by the Americans for Tax Reform. The lowest number was in the fiscal year 2012/13 during an election cycle. After he was re-elected, he promptly went way back up in 2014 and projects another 93 in 2015. This does not include the 20 new taxes in Obamacare. The Tax and Spend Dimwits think they can tax and spend their way to prosperity.

      • April 15, 2014 at 4:23 pm
        Ron says:
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        • April 15, 2014 at 4:34 pm
          Agent says:
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          I have the list right here in front of me weak minded Ron. There are plenty of tax increases built in and many deal with taxes on the Oil & Gas Industry and disallowing credits on business. Call them administrative if you like, but they are all bad for America. Speaking of letting other people do thinking for you, you don’t have an original thought and let left wing and government websites do your thinking for you. Who is the knucklehead here? How about giving us another article written by your hero Paul Krugman of the NYTimes? That should be uplifting.

          • April 15, 2014 at 4:36 pm
            Libby says:
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            Why should oil companies receive government welfare any more than the crackhead down the street?

          • April 16, 2014 at 8:28 am
            Ron says:
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            Agent,

            Please list all of the actual direct tax increases on the list. Just because your hero Grover Norquist calls something a tax increase does not make it so. You talk about spin.

            How many of these were implemented and what was the negative impact on the economy? Proposals mean nothing if they cannot be implemented. I don’t give a rat’s ass about ideology or methodology, I care about results. Nearly all economic indicators have shown improvement since President Obama took office. Is it because of him? Highly unlikely. But that has been my position, one person cannot fix or destroy our country or economy, period. President Reagan did not single-handedly fix the mess he inherited. He needed support from Congress. The diference between then and now is that Congress wants no part in working with President Obama because they fear if the economy recovers quickly, President Obama will get all of the credit and it would burn the Republicans to see someone who does not look like them to get all of the credit. I am not saying they are all racist, but to think race does not play a role in their current strategy to make him look bad is extremely naive. Nobody has yet to show where his policies are considerably different than most presidents before him. It is all rhetoric and talking points, but no facts. Cite me what he has proposed, not what some right-wing think tank or “news” source says are his proposals and I will find a similar proposal from a previous president.
            Hint: The PPACA was not his proposal, he wanted a single-payer universal health care system or at least a public option.

          • April 16, 2014 at 8:31 am
            Ron says:
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            Libby,

            I’ll have to disagree with your analogy. Crackheads should not receive any welfare, in my opinion.

            You should have used the single mother who chose to have the baby.

          • April 16, 2014 at 8:48 am
            Libby says:
            Hot debate. What do you think?
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            Ron – it was my point exactly. The crackhead does not deserve welfare and corporations do not deserve welfare. They are both equal in my book. Neither deserves a handout.

          • April 16, 2014 at 10:13 am
            Agent says:
            Hot debate. What do you think?
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            Hey Ron, you really want me to list 15 pages of tax increases on this blog? I am sorry, but I don’t have time like you and Libby to list all of these. Go to http://www.ATR.org and read them for yourself. Just so you know, a repeal of a credit formerly given is a tax increase. I know that is hard for your brain to absorb since your brain has been shrunk by repeated Marijuana use. I encourage you to read that study as well. If they did an MRI on your brain, they would find significant damage.

          • April 16, 2014 at 10:38 am
            Libby says:
            Hot debate. What do you think?
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            Agent, Agent, Agent. I didn’t even get a thank you for teaching you how to cut and paste a link. How ungentlemanly of you. Perhaps if you smoked a joint or two you’d relax and learn to enjoy life a little more. And don’t worry about brain damage (oh I could say something really good here!) because that study was just for 18-25 year-olds. You’re way too old to suffer any ill effects. Light up and enjoy, old man!

          • April 17, 2014 at 9:11 am
            Ron says:
            Well-loved. Like or Dislike:
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            Agent,

            We would have far fewer debates if you had a reading comprehension level above the second grade.

            I did not want you to list all of the “tax increase”. I wanted you to provide insightful analysis. Apparently that is WAY above your intellectual capabilities.

            The points I was making were:
            1. MOST of these are not actual tax increases and can only be defined as such by doing some creative spinning.
            2. Are proposals, not implemented law.
            3. Have not negatively affected the economy, especially businesses who are making record profits and just stashing the cash instead of reinvesting the capital and creating more jobs.

            Now, prove me wrong.

          • April 17, 2014 at 9:18 am
            Ron says:
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            Agent,

            In addition, repealling a credit that was not providing the intended benefit may be considered a tax increase because Grover Norquist told you so. However, it sounds more like simplifying the tax code. Isn’t that something for which Conservatives have been advocating?+

            If you want to play that game, what do you call lowering taxes when there is a budget deficit? Answer: increased spending.

            Please provide evidence that I have ever, let alone excessively used marijuana. Hint: My posts are not evidence.

            I will respectfully ask that you refrain from making any direct or indirect references to me using marijuana or any other illegal drug in the future. Can you do that?

          • April 17, 2014 at 9:20 am
            Libby says:
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            OMG, Ron. Do you really expect an answer? After all, this is Agent. His Texas H.S. education is equivalent to a fifth grader and he got his “degree” in economics out of a cereal box. Not only will he stop embarassing himself by not responding, he’s unable to respond in any type of articulate or educated way. You remind me of a father trying to “reason” with his 4 year-old.

          • April 17, 2014 at 11:11 am
            Ron says:
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            Libby,

            No, I do not expect an anwer. Eespecially an intelligent and relevant answer.

            Smetimes it is just fun to point out what a clueless, imcompetent, blind Conservative lemming with no reading comprehension skills that is Agent.

          • April 17, 2014 at 3:14 pm
            Spectacular says:
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            Ron,

            Since he won’t answer I will:

            1. Removing a credit is a tax increase. It is spinning to say that it is not.

            2. Whether or not most of those are proposals, does not negate that this law does come with tax increases, but worse, habitual changes in economy. These types of regulations, as did the gas pricing laws around Carter’s era, harm the economy. The economy is not recovering as fast as it should. Debate that. You cannot. Reagan’s recovery was faster.

            3. CORPORATIONS are reaping record profits, businesses are not. Businesses are still failing at record rates. The reason behind this, is as usual, democrats are getting in with their buds, and they are not helping the core of America business. The reason behind jobs not opening up is not solely those reaping record profits (though through laws like these they can certainly crush smaller businesses or businesses they force into a bad spot) it is because small businesses are still not strong. 98% of small businesses aren’t large enough to be included with corporations. This came from Obama’s mouth.

          • April 18, 2014 at 8:06 am
            Ron says:
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            Spectacular,

            1. Removing a credit that was not providing the intended benefit to the economy is correcting an error in passing such credit. That is a valid tax increase. In addition, it simplifies the tax code.

            I guess you would agree with me that implementing tax cuts during a budget deficit is additional spending, right?

            2. I will not debate that the economy recovered faster under President Reagan. What is debateable are the reasons. President Reagan did not face nearly the same level of opposition and we are the most productive workforce ever. The Democratically controlled Congress worked with President Reagan. This Congress would not even pass President Obama’s American Jobs Act that was full of tax credits to companies who hired veterans and the long-term unemployed. They did not like it because he had the audacity to want it paid for with tax increases on those who could afford an increase. You know, fiscal responsibility. All President Reagan did was increase spending while cutting taxes causing the US to reached a trillion dollars in debt. At the time, the debt increased more than all of the president before him combined and ran deficits each year. Sound familiar? Why were debt and deficits not important while he was in office?

            3. Please provide statistics about the number of failing business and cite your source. I have asked multiple times and have been unable to find any data on businesses created and dissolved. Pleae do not tell me to use common sense and just look around. I am numbers based and will not be influence by rhetoric or anecdotal evidence.

  • April 15, 2014 at 3:08 pm
    jack says:
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    If I tell you libs that I’m going to kick the shitz out of you for a week and then stop after 6 days you would think I’m doing you a favor.

    • April 15, 2014 at 4:20 pm
      Don't Call Me Shirley says:
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      Hidden due to low comment rating. Click here to see.

      • April 15, 2014 at 4:21 pm
        Libby says:
        Hot debate. What do you think?
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        You and Knot will get along famously, then. He wants all the healthcare for himself and none for anyone else.

        • April 15, 2014 at 5:26 pm
          Knotins says:
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          Hidden due to low comment rating. Click here to see.

          • April 15, 2014 at 5:46 pm
            Agent says:
            Hot debate. What do you think?
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            Funny Knotins. I made the identical comment about rode hard and put up wet last week. Libby has a mean streak a mile wide and doesn’t know how to shut up when she is losing an argument. I think someone must have hyptnotized her some years ago into believing Progressive Liberalism is a good thing. If anyone has a Conservative post, she jumps on them with a vengeance since she is still drinking the Koolaid.

          • April 15, 2014 at 7:12 pm
            Libby says:
            Hot debate. What do you think?
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            I’m not on Linkedin you dumbass. But nice try. And I look 20 years younger than I am.

          • April 15, 2014 at 7:14 pm
            Libby says:
            Hot debate. What do you think?
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            Nice to know you are so interested in me you have to try to stalk me online. LOL!!!

          • April 16, 2014 at 8:04 am
            KY jw says:
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            Libby – I have share a totally off topic happy thing. I still get carded when I drink. :D

          • April 16, 2014 at 8:50 am
            Libby says:
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            That’s awesome, KY! My husband and I went to Nashville and were standing in line at Tootsies. The bouncer was carding everyone in front of us, so we get out our IDs. When he gets to us, he just waved us in. We were so bummed! But we still laugh about it!

          • April 17, 2014 at 7:51 am
            KY jw says:
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            I will confess it has to be on a good hair & makeup day. ;)

    • April 16, 2014 at 11:19 am
      Agent says:
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      Hidden due to low comment rating. Click here to see.

      • April 16, 2014 at 11:39 am
        Libby says:
        Hot debate. What do you think?
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        Agent – you are the one that needs to read the study old man. The study was done to guage effects of marijuana use in YOUNG people – ages 18-25.

        Despite all my dope smoking years in the 1970′s, I’ve still got double the brain cells than you do. At least I can read and comprehend. And can cut and paste a link. Can’t say the same for you.

        You also can’t make up your mind who’s the rudest commenter on IJ. Perhaps a lack of focus due to old age? Is it me? Is it Insurance 102? Is it txmouthbreatherbuggereatertx? Make up my mind, Agent! LOL!!!

        • April 16, 2014 at 12:02 pm
          Agent says:
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          Hidden due to low comment rating. Click here to see.

          • April 16, 2014 at 12:16 pm
            Libby says:
            Hot debate. What do you think?
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            Ron is not rude. He just calls you on your shit and you can’t stand it.

            And because you are too dense to understand witty humor, buggar eater is a reference to Texans.

            Here’s how you spell Texas in a spelling bee. Texas. Mouth Breather, Buggar Eater, Knuckle Dragger. Texas. Yeah, I win!!

    • April 17, 2014 at 3:57 pm
      Agent says:
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      Hey Spectacular, welcome to the blog. I didn’t answer him because he is a total idiot and after 4 years of this, I am not going to direct a response to him or send him any useful info since he always comes back with a typical Progressive response. He doesn’t want the truth since he is an Obama supporter having voted twice for him. He has also admitted to being two faced. Be prepared to get the same goofy replies I have been getting from him all this time.

  • April 15, 2014 at 7:33 pm
    FFA says:
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    well,,,, 06:32 Central Time. I re-Created an account for this lady Ive been working for over a week. The new account is locked up too. She called tech support on the gov site and got hung up on. So, the site still dont work correctly.

  • April 16, 2014 at 8:38 am
    Destro says:
    Well-loved. Like or Dislike:
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    I tried signing up, the cheapest possible plan, the cheapest catastrophic plan, was 17.65% of my income and is deemed by the government as unaffordable. And I don’t qualify for any tax credit subsidy because my employer offers a plan. A plan that has crappy coverage and is overly expensive as it is. However, had I stuck with my delivery driving job I had before which didn’t offer a health plan, I would be able to get a $254 tax credit on a plan I would pay $21 a month with a $400 maximum out of pocket/yr.

    Just the mere fact that my employer OFFERS an insurance plan makes it so I can’t afford health insurance. Why should someone making as much as me if not more get a freakin’ dream plan essentially for free while I go entirely uninsured? Just because the employer does or doesn’t offer a health insurance plan? That’s absurd, those whose employer doesn’t offer a plan can sign up for private insurance just as easily as I could.

    The reason is that it is a system that incentivizes being poor or becoming more poor. The system is basically telling me, “Go back to a dead end delivery driving job and you’ll be totally covered. Try and improve yourself and good ****ing luck ***hole.”

    • April 16, 2014 at 8:55 am
      Libby says:
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      Destro: How much do you pay for your employer-sponsored plan and do you participate in it?

      The ACA is supposed to provide affordable care for those that have been uninsured. Usually people are uninsured because they can’t afford the coverage or they have a pre-existing condition that prohibits coverage. It’s not intended as a free ride for healthy, young Americans that are able-bodied and working.

      Wow! Just when I thought I could not be astounded, the hypocrisy of Republicans continues to astound me.

      • April 16, 2014 at 9:26 am
        Destro says:
        Well-loved. Like or Dislike:
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        “It’s not intended as a free ride for healthy, young Americans that are able-bodied and working.”

        But that’s exactly who it is benefiting, as long as their employer doesn’t OFFER a plan.

        How is there no grey area for help in getting affordable healthcare between $254 a month in tax credits if I work at a delivery driving job vs $0 because I work in an office building, making less money than I was delivery driving?

        • April 16, 2014 at 9:32 am
          Libby says:
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          Why do you work in an office if you made more money as a delivery driver? Were you ashamed to be a delivery driver?

          • April 16, 2014 at 9:53 am
            Destro says:
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            No, I wasn’t ashamed, but “Delivery Driver” isn’t really a showstopper on a resume`.

            I love how liberals love ACA except when an actual real life case happens where the person making below the poverty line unless they work 55 hours a week for overtime pay(which I do), and I get attacked for pointing out that somebody working 32 hours a week delivering pizzas deserves to get a massive tax credit. With no middle ground whatsoever to help me get healthcare at an even remotely affordable cost.

          • April 16, 2014 at 10:03 am
            Libby says:
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            How did I attack you? I just asked a question. Which, by the way, you didn’t answer. If your employer offers health insurance, do you participate? At what cost?

          • April 16, 2014 at 10:04 am
            Libby says:
            Hot debate. What do you think?
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            And if you were a delivery driver, were you a teamster?

          • April 16, 2014 at 10:41 am
            Destro says:
            Well-loved. Like or Dislike:
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            “It’s not intended as a free ride for healthy, young Americans that are able-bodied and working.

            Wow! Just when I thought I could not be astounded, the hypocrisy of Republicans continues to astound me.”

            I’m not able to enroll in my company’s insurance until October. I still need to go over the plan. I was told by my manager that the plan sucks and is really expensive so that’s why I went to sign up for Obamacare. And no I wasn’t a teamster, I delivered pizza.

          • April 16, 2014 at 10:50 am
            Libby says:
            Hot debate. What do you think?
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            You made more money delivering pizzas than working for an insurance carrier? That boggles my mind. I didn’t know there was that much money in pizza.

            I would think you could answer the question “Does your employer offer a plan?” as NO right now, because they aren’t offering you a plan at this time. Not until October. Once October rolls around, you’ll be able to see what your employers plan is. Maybe it’s not as bad as you think. After all, it must conform with ACA requirements.

            But you missed open enrollment.

          • April 16, 2014 at 11:02 am
            Destro says:
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            I’m not an insurance agent, I’m an entry level employee with a call center. While delivery driving I was making on average $15 an hour. a little less than twice my hourly wage at my current job (although car repairs can offset that $15 an hour).

          • April 16, 2014 at 11:03 am
            Destro says:
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            I thought I could answer NO as well but apparently that’s not the case.

          • April 16, 2014 at 11:04 am
            Destro says:
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            I was able to sign up for ACA marketplace plans by the 15th, I didn’t miss open enrollment.

          • April 16, 2014 at 11:11 am
            Libby says:
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            Yes, I know you work for a carrier not an agency. Do you have a career path where you are? If not, study for your agents license. The sky’s the limit on the agency side. You’re less likely to be pigeon holed and will move up quickly if you are motivated and eager. What state are you in?

            You might be better off delivering pizzas at night or on the weekend than working overtime at the call center.

          • April 16, 2014 at 12:12 pm
            Destro says:
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            I work for a TPA in WI. I have a degree in Accounting, the career path that I have here I plan to move up as quickly as possible but it’s not really that much of upward mobility, and definitely not related to accounting. It’s more of a stepping-stone job.

            But my basic point is, I’m no more able to afford insurance than the ex co-workers at the pizza place I was at, yet they can receive a veritable healthcare dream plan for pennies on the dollar while the government deems the cheapest possible marketplace option which is more than twice the “8% of yearly income” rule as unaffordable. And with student loan debt and credit card debt due in large part to car repairs, it really is unaffordable unless I want to bury myself in debt the rest of my life. So I’m screwed at the moment with no insurance.

          • April 16, 2014 at 12:19 pm
            Libby says:
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            That does suck, Destro. Did someone at the Exchange tell you you couldn’t say no to the employer offered plan?

            I’m curious. You didn’t have coverage before, right? Why did you decide to purchase coverage now under the Exchange?

          • April 16, 2014 at 1:45 pm
            KY jw says:
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            Hey, Destro, you can take your accounting degree just about anywhere you want to go.

            Look for a premium auditor job – they actually work for the insurance company and review the insured for proper exposure. I loved being an auditor for an insurance company.

            Also, NCCI hires “investigators” who do a similar job, just without the payroll requirement. Yes, NCCI is almost like working for the government, but not really. They are funded by membership.

            I don’t know anyone in WI, or I’d give you more specific advice.

          • April 21, 2014 at 2:45 pm
            FFA says:
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            Destro, where in WI?

      • April 16, 2014 at 1:36 pm
        KY jw says:
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        Libby, 17.65% of someone’s income is a lot. That is no where near affordable.

        • April 16, 2014 at 2:08 pm
          Libby says:
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          I agree. He’s getting screwed.

        • April 16, 2014 at 3:14 pm
          Agent says:
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          Destro, there are any number of Independent Auditor jobs out there since many of the large carriers have farmed out this function as well as Loss Control positions/inspections. Companies just don’t do what they used to do since they are worried about costs and paying benefits to employees, especially Healthcare benefits with the advent of Obamacare. They also farm out a lot of claims functions. It makes one wonder who and where the real employees are with these companies.

          • April 17, 2014 at 7:43 am
            KY jw says:
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            I forgot about Equifax. They have a premium auditor division. There are other companies that contract auditor services. I even have a friend working for one of the contractors and I still forgot about them.

        • April 17, 2014 at 3:17 pm
          Agent says:
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          As are most young people in America, KYjw. There is no underwriting. The young have very few health issues and if it was insurance underwriting as in the past, they would have the most affordable rate, but when you have a failed premise that penalizes the young, look what we have.

  • April 16, 2014 at 12:11 pm
    Destro says:
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    I work for a TPA in WI. I have a degree in Accounting, the career path that I have here I plan to move up as quickly as possible but it’s not really that much of upward mobility, and definitely not related to accounting. It’s more of a stepping-stone job.

    But my basic point is, I’m no more able to afford insurance than the ex co-workers at the pizza place I was at, yet they can receive a veritable healthcare dream plan for pennies on the dollar while the government deems the cheapest possible marketplace option which is more than twice the “8% of yearly income” rule as unaffordable. And with student loan debt and credit card debt due in large part to car repairs, it really is unaffordable unless I want to bury myself in debt the rest of my life. So I’m screwed at the moment with no insurance.

    • April 16, 2014 at 12:42 pm
      Original Bob says:
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      Until you can afford a healthcare plan, you might consider an accident and a serious illness policy, both of which should be relatively inexpensive compared to a health policy. AFLAC has some good affordable plans as well as Combined and sometimes these types of policies are offered by life insurance companies.

      • April 20, 2014 at 8:40 am
        Destro says:
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        Thanks O Bob, I might have to look into that. Although I’ll most likely just go without until I can enroll in my company’s health plan in the Fall.

    • April 16, 2014 at 1:47 pm
      KY jw says:
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      You might have even been better off with the penalty this first year since you didn’t qualify for a subsidy. That’s really sad, though. I agree that over 17% of your income is not affordable, FWIW.

    • April 17, 2014 at 4:39 pm
      Agent says:
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      Destro, we are behind you 100% and hope you do well as you start your career. Hopefully, you will find something better than that entry level job and get into the Accounting that you are degreed in. There are a lot of young people out there that can’t get a job at all and particularly in the field they chose.

      • April 18, 2014 at 8:10 am
        Ron says:
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        Agent,

        Based on your negative comments about young people, you and your ilk are the reason young people are having difficulty finding a job. You have judged and pigeon-holed an entire generation based on an extremely small sample.

        • April 20, 2014 at 8:48 am
          Destro says:
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          I think the reason young people are having difficulty finding a job has a lot more to do with Liberal policies that negatively affect business. But that’s just like, my opinion man (*stirs White Russian).

          • April 21, 2014 at 2:58 pm
            Agent says:
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            Destro, it is refreshing that a young person like you does not have the same attitude of some of the liberal employees on this site post ad nauseum. They seem to think employers are evil and greedy and only have profits in mind for their business. They fail to see that this “law” has had such a negative impact on business owners and hiring. You have had good upbringing in Conservative values and I applaud you for having them.

      • April 20, 2014 at 8:45 am
        Destro says:
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        Thanks Agent,

        So far it’s going pretty well, my boss routinely tells me that I’m doing the best out of the people that were in my training group and it seems that I’m being noticed by some of the higher positioned employees at my company for the extra hours I’m putting in so I’m optimistic that I’ll advance at my current job faster than most around me.

        • April 21, 2014 at 9:32 am
          Agent says:
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          Destro, you are absolutely correct about your comment that Liberal policies espoused by Obama and his minions are negatively impacting the job market for young people. Everything from Obamacare to the EPA is killing jobs in this country.

          • April 21, 2014 at 9:58 am
            Ron says:
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            Agent,

            But business owners like you not even giving young people an opportunity is helping them how? You had a couple negative experiences and have already written off an entire generation. What if Dr. Carson was written off because he was from a traditionally under-achieving demographic? Somebody gave him a chance even though the odds were against him.

            There has been net job growth during 44 of the 48 months since the PACA was signed into law. Please explain to me how that is killing jobs. I agree that job growth needs to be higher, but it is not getting worse. In addition, young people should be targeted by companies since most can stay on their parents’ health insurance until 26, thanks to the PPACA. Finally, the EPA was created by a Republican.

          • April 23, 2014 at 11:11 am
            Agent says:
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            Ron, it is clear you have not ever had to make a hiring or firing decision as an owner of a business. You have not had the expense out of your own pocket either. Carson succeeded in the medical field, not business depending on sales for success. He had a lot of grit to get educated and then there was demand for his services. So you are still trotting out the line about net job growth since Obamacare was installed? Ron, I hate to tell you, but hiring has been anemic to say the least. 6 years into the so called “recovery” and not much going on, particularly with young people. A country who has recovered from a recession should be generating twice the jobs and shouldn’t be having 250,000 to 300,000 new jobless claims a month.

          • April 23, 2014 at 3:30 pm
            Ron says:
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            Agent,

            Nice to see you thuming up your own posts still.

            Why do I need to have experience hiring or firing people to comprehend your posts? If you keep hiring producers who do not turn out to be successful, what does that say about your ability to select good talent, train, and foster them? You will say it is the generation, but you still hired them. You took a risk and lost. Brush yourself off and move on. Stop judging an entire generation because talented people do not want to work for you.

            What part of, “I agree that job growth needs to be higher…” do you not comprehend?

            I never said we are fully recovered, all I have ever said is that the economy is improving and the facts back me up. You have yet to provide data showing the economy is getting worse under President Obama. Until you can do that, SHUT IT!!!!

            You fail…again!!

        • April 23, 2014 at 11:15 am
          Agent says:
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          It sounds like you have a good boss Destro. Work hard,keep impressing him and you will do well. I wish the two young producers I hired had the same attitude and showed me something. The sky was the limit for them and they blew it.

  • April 16, 2014 at 12:18 pm
    Agent says:
    Hot debate. What do you think?
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    Destro, It looks like you are serving a waiting period to get on the company plan. Do they pay your employee only cost when you get on it? If you are married, they might not pick up expense on the spouse or any children. Really, if you are interested in the Insurance business, the place to be is in an Independent Agency where you can sell and service business. I was fortunate to do that many years ago and have done well. If there is a large agency in your area with producers on the street and they can pay you enough to live on and have some benefits, that is much better than doing call center for a company which probably doesn’t have a whole lot of potential. I would avoid a Captive Agent company like the plague since they talk a good game and then screw you at some point. FFA can tell you all about the wonderful Farmer’s Group that he was with prior to splitting off and going Independent.

    • April 16, 2014 at 12:29 pm
      Libby says:
      Hot debate. What do you think?
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      Again with the no reading comprehension thing, Agent. He said he had a degree in Accounting. Chances are he wants to work with numbers, not sales.

      Destro, one thing about an Accounting degree is that you can work in any industry. But insurance certainly has a need for numbers people. Even a large agency needs an accounting department. Good luck with your career.

      • April 16, 2014 at 12:51 pm
        Agent says:
        Hot debate. What do you think?
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        Libby, Libby, Libby. What an idiot you are. I posted my question before he said he had an Accounting Degree. Hey Destro, perhaps you should investigate working for a CPA. You will have all you can stay up with on the tax issues since Obama keeps adding new taxes to the American People to pay for his wonderful Social programs including Obamacare which has 20 new taxes built right in to it. By the way, the government collected record tax revenues in the most recent quarter and still managed to spend $400 billion+ than they took in. Progressives are running this country into the ground. Perhaps after November, we will get some relief from this burden.

        • April 16, 2014 at 1:01 pm
          Libby says:
          Hot debate. What do you think?
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          Considering he posted at 12:11 and at 12:12 and you didn’t post until 12:51, you are obviously a liar.

          Isn’t it the one that yell loudest about others that turn out to be the perpetrator (or perp, as you like to say). I hope you never have the nerve to call me a liar again. You have been caught red-handed. Not once have you caught me in a lie, because I DON’T LIE.

          • April 16, 2014 at 2:55 pm
            Agent says:
            Poorly-rated. Like or Dislike:
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            Hidden due to low comment rating. Click here to see.

          • April 16, 2014 at 3:04 pm
            Libby says:
            Hot debate. What do you think?
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            Agent, just because you say it (over and over ad nauseum) does not make it true.

            Name ONE TIME I have lied on here. I dare you. You won’t be able to because I don’t lie. I don’t need to lie. Why would I lie? You mean nothing to me. I have no need to lie to you.

            So, I’m waiting and I’m sure I’ll be waiting for a very, very long time, for you to name one thing I have lied about. Put your money where your mouth is or shut the hell up. Preferably the latter.

        • April 20, 2014 at 9:41 am
          Destro says:
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          Yeah, I’ll need to pass the CPA exam if I want to work at a CPA firm as anything other than the janitor. And I do intense to take the CPA exam, it’s just a matter of saving money for a decent exam review/study guide (they’re pretty expensive).

          Totally agree about Progressives/Collectivists running the country into the ground. I wonder at what point will the welfare state cause an economic collapse for us. Too much blatant incentivizing of laziness and stagnation with a system that is more or less encourages the exploitation of itself.

      • April 20, 2014 at 8:54 am
        Destro says:
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        Currently there aren’t any openings in the accounting department but I recently introduced myself to the company’s controller and some people in the billing department. I just need to keep my eyes out for opportunity.

  • April 16, 2014 at 3:27 pm
    Lauen CIC ARM says:
    Hot debate. What do you think?
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    Libby – I’m curious about what type of job you have. I hope you are self-employed, commission only or the owner of your company since you made 14 posts on 4/15 and 25 so far today. I had to stop reading after a few comments since it seems none of them from you or others shed any light on the situation.

    • April 16, 2014 at 4:04 pm
      Agent says:
      Hot debate. What do you think?
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      Libby, you have lied thousands of times about Obamacare and that is just one issue. You have your leaders lies committed to memory and can call them up by rote.

      • April 16, 2014 at 4:25 pm
        Libby AIA, CIC, ARM, CRM says:
        Poorly-rated. Like or Dislike:
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        Hidden due to low comment rating. Click here to see.

      • April 16, 2014 at 4:51 pm
        Libby says:
        Hot debate. What do you think?
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        You’re a joke.

    • April 16, 2014 at 4:08 pm
      Agent says:
      Hot debate. What do you think?
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      Lauren, let me fill you in on what Libby does since I have the history on her. She is a glorified Commercial Lines CSR for an agent and thinks she is The Agent because she is licensed. If she is The Agent and has contracted with companies, signed any payroll checks for employees or paid any agency bills, she is sure dumb about agency operations. I keep expecting her boss to cut her loose since she trolls 8 hours a day 5 days a week.

      • April 16, 2014 at 4:28 pm
        Libby AIA, CIC, ARM, CRM says:
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        Hidden due to low comment rating. Click here to see.

      • April 16, 2014 at 4:29 pm
        Libby says:
        Hot debate. What do you think?
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        Agent – Is THE Agent a particular job title in Texas? If so, what does it entail? Being a complete and utter jackass? You’re welcome to that title.

        • April 16, 2014 at 5:08 pm
          Agent says:
          Hot debate. What do you think?
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          So you are so furious you have to hit the button twice? I guess I must have hit a nerve. Anyone who repeats the lies of Obama is also a liar. You are a true believer and you are lying to yourself as well as others on this site.

          • April 17, 2014 at 9:15 am
            Libby says:
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    • April 16, 2014 at 4:23 pm
      Libby AIA, CIC, ARM, CRM says:
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    • April 16, 2014 at 4:24 pm
      Libby AIA, CIC, ARM, CRM says:
      Hot debate. What do you think?
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      I’m a claim manager. And you?

      Libby, AIA, CIC, ARM, CRM, CPCU

    • April 16, 2014 at 4:26 pm
      Libby AIA, CIC, ARM, CRM says:
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      Hidden due to low comment rating. Click here to see.

    • April 16, 2014 at 4:52 pm
      Libby says:
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      Hidden due to low comment rating. Click here to see.

    • April 17, 2014 at 7:47 am
      KY jw says:
      Well-loved. Like or Dislike:
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      Lauen CIC ARM – you must be new here. Because if you’d been around awhile, you would know that within 10 posts we go off topic. Sometimes so far off topic (talking about the Bulls or the Cubs or the Rangers and occasionally, we venture into TMI) that we get lost. You know what? That’s ok.

  • April 16, 2014 at 4:08 pm
    jack says:
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    What’s black and doesn’t work? Decaf coffee you racist bastards…lol.

    • April 17, 2014 at 7:49 am
      KY jw says:
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      All right, that’s mildly amusing.

  • April 17, 2014 at 10:09 am
    Agent says:
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    FFA, Let me be the first to wish you a very Happy Easter. I hope everything is going well up there on the frozen tundra. Despite all the trauma we have been going through with the economy, markets, Healthcare debate, we still live in the best country of the world. If we can survive the Progressive onslaught until November and change out the Senate, we have a real chance to change things in DC and bring our Constitutional Republic back.

    • April 17, 2014 at 3:27 pm
      Agent says:
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      One more to end the week FFA. Picture a red used sports car with its front end smashed in almost to the windshield. There is a tag on the front of it and it says – Obama is my co-pilot.

  • April 18, 2014 at 7:51 am
    KY jw says:
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    It’s Good Friday – and I’m working. I hope y’all have a safe and blessed Easter weekend!



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