They had to go up to 35 (years young?) to get the stats they wanted. But, why start at 18? Aren’t kids able to stay with parents until age 26? I’d like to see the numbers for the 20-29 age group.
“…plans need enough healthy participants to prevent sick people from swamping the system and sending rates soaring.” That’s the rub, isn’t it? Many Blue states reporting 30-50% rate reductions in the exchanges. Let’s see where they are in 3 or 4 years.
InsGuy said “They had to go up to 35 (years young?) to get the stats they wanted. But, why start at 18?”
35 yrs old is still realively young, depending on your age. :-) I think starting at 18 is not a bad thing. Many of these people may not have parents with health insurance to insure them. Better to get them into the practice of buying it young and staying healthy.
Sounds like Obama has some cutting edge marketing going on. It will be interesting to see it play out.
I can hear the thought process now among the 20-somethings… “Let’s see, this year I can afford to get a new ipad or I can get health insurance I don’t want and don’t need. Hmmm… what shall I do?”
D, you are right. Libby doesn’t mind being disrespectful to anyone with a Conservative viewpoint. Just because West Virginia voted against Obama overwhelmingly in the last election does not mean there aren’t good people there. I am sure wvagt and the citizens there are not real happy about the EPA shutting down the coal industry there.
The 20 somethings I know may not be typical, but they want to have health insurance because they want to be able to go to the doctor. Then again, I’m in a small town and I only know a very small fraction of the kids in my town, so my anecdotal evidence is a bit weak. ;)
Hi Wvagt. It only makes sense that they go after the low information voters who voted for a slogan and want a hand out. I promise you that most of these poor young things have no clue about the real world and I saw a poll recently that 40% don’t even know Healthcare was passed 3 years ago. They may know how to download an app on their iphone or tablet, but not much else. I think they would be inclined to buy a toy rather than get health insurance even if it is subsidized. I wonder what they will do with the failure to launch crowd who have no jobs or prospects for jobs. I guess Mom & Dad can subsidize that too since they provide everything else for them.
Your comment about young people is disrespectful to them. “Just because young people voted for Obama overwhelmingly in the last election does not mean there aren’t good people there.”
Those are your exact words. Or are you a “do as I say and not as I do” kind of person?
Most of the youth I know are eager to start their professional careers. Yes, they may be electronically savy, but that only strengthens their professional skills. Everything is moving to tablets and phones, so it’s good they can employ those crafts. I don’t know young person who hopes to live at Mom and Dad’s. They want to get out, be independent, start their life path. Do you really think 18 year olds want to stay under their parents’ thumbs and house rules? You must be crazy!
the young ones are the ones to go after because they are naïve and don’t “get it”. Without them paying exorbitantly more for health insurance they will likely never utilize (since they are young and healthy) – they are unnecessarily “taxed” for the exorbitant health care real dollars spent on the aging population – yet those aging individuals pay way less than what is statistically valid.
oh well, those young ones are the dummies that voted for Obama so I hope they enjoy paying all that extra premium after they “figure it out”…and then realize that there are less young ones in the population than old; wait till the first rate increase goes through and the young are paying even more with the low salaries they have in low paying service industry jobs like fast food and telephone sales banks selling Obamacare…
So, the smoke & mirrors of data wizardry and shaky sizable subsidies that can’t be sustained over the long run will trump sound risk management, statistical analyses on cost drivers, and adherence to well known supply and demand forces in equilibrium markets?
Sounds like what happened in the Florida property insurance market, Mass Auto market, and with taxpayer-funded investments in the Green industry, will happen in the government controlled healthcare industry in a year or two. Marx my words.
Since PRIVATE carriers are insuring these people, I am sure they will follow risk management, statistical analyses on cost drivers, and adherence to well known supply and demand forces in equilibrium markets? Seriously, do any of you Republicans know anything about how the exchange works?
Sure…like the Massachusets plan which is successful. The shaky sizable subsidies, which you offer no proof of their “shakiness”, will only fall apart if the masses succumb to the dubious scare tactics from people like you and dumb ass Tea Party groups. Are there any insurance people posting here who understand the concept of a large pool of insureds and how that makes the system successful? Hopefully, the American people are smart enough to see through the fog of unproven predictions.
D – the law of large numbers is only insurance 101. It is a shameful representation of our industry that people posting on this blog don’t understand a fundamental principle of our business.
Yet more resources dedicated to Obama Care and to hell with Jobs by this administration.
Priorities are all out of wack. Of course, Chicago Politics invading DC so, biz as usual.
Wow. A plan to enroll millions of people to buy affordable health insurance to improve their well-being, while simultaneously bolstering the system with “large numbers” to make the system actuarially sound! Oh, the horror…the horror!!
I used to be a republican but seeing the party overun by nimrods like Mitch McConnel and those wack job Tea Party groups, which have no ability to improve the lives of anyone, makes me embarassed to say I ever registered with that party. They refuse to acknowlege republican ideas in the ACA like health exchanges and the requiremet that all people buy insurance. I will give them one thing…they are awesome at offering no alternatives but doomsday prediction and making up stuff like death panels.
D~
You are right on. Too many insurance “Producers” are only worried about making the biggest buck they can generate on American health care. God forbid MORE Americans should have QUALITY healthcare that COVERS pre-existing conditions at inception with NO lifetime caps. Don’t you know in America only the “well-to-do” deserve first rate healthcare.
Look how many GOP governors won’t expand medicaid. Most industrialized countries have universal healthcare for their citizens. Too many people suffer from what I call “THE ME” syndrome. I’m OK….it’s not my problem, it is YOUR problem.
If producers have yet to accept the fact that they have been cut out of the process because they just can not make any profit – yes that dirty little P word – they need to pull their head out of their a#@.
There is no money to be made in Health Insurance any more.
That’s funny. My company’s benefits department is exploding and so is our separate wholesale benefits division. We are selling consultation and creative solutions for large groups on the retail side. Brokering benefits products for other local agents on the wholesale side. They are excited by the great opportunity the ACA has provided in consulting with clients on the changes and also either using or selling against the exchanges, depending on the situation. The carriers on the exchanges still pay commission, but some of our agents charge a fee per participant in lieu of commission. The business has been very lucrative.
I just wasted 4.5 hours trying to close this group again. I now have at least 10 hours wrapped up in this and they still sent me away with out a check. Wants me to revise the quote again. Soon as OBAma Care kicks in, they will cancel and go to the exchange. There will be no profit here. I wont make the cost of gas alone on this one should it close.
I don’t do Agency Fees either. One of the biggest complaints that my new biz folks have is the Agency fees.
You can place business for them through the exchange and get commission if I’m not mistaken. I’ll find out for sure if you want me to.
August 8, 2013 at 10:36 am
FFA says:
Like or Dislike:
0
0
Libby, if you could find something on that, I would appreciate it greatly. I have to present that to my producers after I determine if it would be worth it. I at least need to cover the cost. I’ll make my profit off the other lines.
August 9, 2013 at 9:07 am
Libby says:
Like or Dislike:
0
0
Here is some info:
“The answer will vary by state. In most places the decisions about whether compensation will be paid and if so, how much have not yet been made. If you can ascertain the state or states in which your friend plans on selling exchange coverage, I can provide more detail. In general, I believe that at least for some time commissions will be paid for exchange product sales.”
I have asked him to check into IL and will get back to you.
August 9, 2013 at 11:01 am
FFA says:
Like or Dislike:
0
0
Libby says – “Here is some info”.
Thanks. Good info. As much as I despise OBama Care and as much as I bash on it, there is marketing opportunity to be had.
Like it or not, this thing is here to stay. I have a 4 hour class to take on this. I’ll sit through the class, knock heads with the GA involved on marketing it and see where it takes me.
That’s great! Hopefully producers as they lead to support staff. Only way we are getting out of this economic mess is going to be one at a time.
August 8, 2013 at 10:34 am
Libby says:
Like or Dislike:
0
0
One producer in our wholesale benefits division and a full-time HR person since we’ve hired so many people.
August 6, 2013 at 2:44 pm
Say What? says:
Like or Dislike:
0
0
Hey D, you think a larger pool eliminates risk? Take a swimming pool with 2 people who can’t swim in it and add 50 more that can’t swim. I guess the odds of someone drowning goes down then? Obamacare is also taking on a lot more currently uninsurable risks, not just healthy youth. After year one, when premiums explode, the young healthy are going to disappear. ACA is unsustainable, period. At least you have that cretin Libby on your side if that makes you feel good.
Swimming pool? 50 people? Are you really serious? So, you are the one with the breakdown on the proportion of unhealthy uninsureds to healthy uninsureds? Why didn’t anyone consult such a smart person such as yourself when they wrote this thing? Remember, health exchanges and the concept of EVERYONE buying in is a republican idea. Either way, anyone who calls themselves an insurance person (people who post here) should step up and recognize the value of the law of large numbers. Hyperbole (swimming pool analogies) does not refute facts.
D, As long as you like the law of big numbers, why not insist that the government employees, public sector unions and private unions and all the other companies who have sought and received waivers all have to enroll. That should be several million enrolling and then you can crow about how rates should come down with the law of large numbers. There is no evidence shown so far that this bill will reduce cost to any consumers out there. I tend to believe the CBO’s prediction of large increases and I see the evidence every day of companies raising rates on insureds.
Let me try more simple logic D. Can we assume that probably 100% of the truly sick and uninsurable will end up buying? Why wouldn’t they right? Now how many healthy will buy? It’s a total guess which is why the wizards need their magic. But FOR SURE, the pool is going to weight more toward the sick from day one. And when that cost is absorbed, look out. If that doesn’t make sense I can’t help you.
Cretin? The names I am called because I am for universal healthcare astonish me sometimes. I can’t believe the rest of the country cares less whether our society gets sick, suffers, and dies. In a supposed Christian nation, the lack of charity is unbelievable.
Funny how libtards use God to make a point, then want to remove his name from all Government documents, buildings etc. I am sure he would vote republican than support a baby killing morally deficient liberal.
You’re a despicable human being. I will pray for your soul, Sarah. Someone has to.
August 9, 2013 at 7:53 am
jw says:
Like or Dislike:
0
0
Funny how you, Sarah, need to use insults.
August 6, 2013 at 2:48 pm
Original Bob says:
Like or Dislike:
0
0
Agents in this discussion know that marketing “wizardry” may get an initial response but it will not be large enough to offset adverse selection. Additionally the lapse rate will be very high among younger people, whose health care needs are few, if the tax penalty plus the cost of birth control is substantially less than their insurance premiums. People want “free” health care not cheaper premiums, witness the number of young adults that flocked back to their parent’s policy for what they viewed as “free” Vs the number who decide to be independent and responsible by purchasing it on their own.
Bob, the adverse selection you are talking about is the flood of PreX people who will be first in line since they have had trouble finding coverage. Can you just imagine the claims that will be filed once they get coverage? Whatever young healthy applicants they get will be overwhelmed by the PreX people. I have a very good client who is a doctor with a successful practice and he said he wouldn’t accept Obamacare coverage and many of his doctor friends said they wouldn’t either.
I worked in marketing for a health insurance company that got out of individual and small group policies due to government regulations that set them up for adverse selection – the low health risks all left for new groups not yet affected by adverse selection or for lower individual premiums leaving those that stayed with the higher experience mods. Am I advocating that higher health risk be uninsured or insured at an unafordable rate? – absolutely not. Before Obama care all states had health risk pools with rates at or lower than most health care insurance providers were charging for healthy risks. Facts? Read Paul Zane Pilzer’s (a former commentator on CNN and NPR) book, written prior to Obama Care, on “The New Health Insurance Solution”.
Your first sentence is an opinion based on what research? It won’t be large enough to offset adverse selection? Really? Do you mean to say that those who buy an affordable coverage will simply let it lapse? Who is to predict such a thing on a grand scale? The only certainty in your statement is that nobody knows for sure what will happen. Those who flock back to their parent policy are doing so because it’s available and not simply free. You would do the same, I’m sure. There is a cost to that buy the way and it is paid for by the policy holder. What about the many who do not have a parents policy to flock back to? What happens when they reage age 26?
Wait until Generation X,Y,Z has to pay for their insurance of pay a fine. These kids have such an entitlement mindset, they will not be happy if they have to pay $10 for their health insurance.
To Libtard and D for dumb,
If the exchanges and ACA are so good for everyone, why have the Companies who donated money to the Democrat party obtained waivers and almost all Unions, Federal Employees, Congress and State and local government employees demanding to be exempt from the exchanges and the ACA regulations.
Oh to hear from Sarah, the nicest person on this blog. I never pay attention to anything you say since you never cite sources or say anything remotely close to the truth. I may be a Libtard, but I’m happy not to be in your nasty, negative shoes. Your life must suck.
Libby, Sarah may be one of the the smartest people on this blog… She certainly isn’t the snarkiest. You seem to fit that description better than Sarah.
LMAO… Arguing with a libtard like D – (Democrat) and Libby the (Libtard) is is like playing chess with a pigeon. No matter how much you study and learn the game, they always will jump up in the middle of the board crap on everything,knock over all the pieces and then for some strange reason strut around like they just won the game. To read their posts you would think they actually understand the ACA, Don’t you remember girls, we had to pass the law to find out whats in it. and now we do, no one likes it even the unions, government employees, and Obama supporters who donated but now want exemptions from the law?
LMAO… Arguing with a replublicrap like Sarah – (queen of mean) is like playing chess with a pigeon. To read their posts you would think they actually understand the ACA. Don’t you remember, people, the mandate and exchange ideas were all YOURS. Now, all you do is jump up on the middle of the board, crap on everything, knock over all the pieces and then for some strange reason strut around like you just won the game. Newsflash sweetie, you LOST the game! In 2008 AND 2012. Put on your big girl panties and GET OVER IT!!!
August 8, 2013 at 3:12 pm
Captain Planet says:
Like or Dislike:
0
0
I can’t thumb that up enough!
August 6, 2013 at 4:53 pm
D says:
Like or Dislike:
0
0
When you resort to name calling without the use of actual facts you have already lost your argument. There are plenty of religious organizations that are exempt too that have no stomach for the president. Not sure what you mean by exempt. If you mean not having to buy insurance, here are the groups that do not have to buy insurance under ACA rules: American Indians, undocumented immigrants, prisoners, some relgious groups, people with wages so low they do not need to file taxes, and those who already have insurance which probably includes all of us who post here…even those who don’t care about the law of large numbers but still call themselves insurance people. See, I can help you with the facts without calling you names. Have a nice day Ms. Sarah.
FFA, If we could use a little logic here and knowing what we know about human nature, why would a young person sign up for this and pay whatever the premium is if they know that they can’t be turned down if they get sick? They would rather buy that iphone or ipad and won’t give it another thought until they are diagnosed with something and then they can run to the exchange and get coverage that will have to pay. The really sick PreX crowd are the ones that will flood the exchanges. I think we call that adverse selection and then watch the rates jump through the roof.
I was 21 when I got my first job that offered benefits. I signed right up and paid the premium via paycheck deduction. And this was before premiums were before-tax. Everyone I know that has coverage offered to them at an affordable rate has purchased it. You naysayers on the right are so out-of-touch with the youth these days, you’re laughable.
August 7, 2013 at 1:07 pm
Agent says:
Like or Dislike:
0
0
Libby, your post was as goofy as most you do. You are using an example of what, 30 years ago when you first signed up for benefits and got a deduction from your check. Do you really think that the GenX crowd still thinks the same way young people did back then? We didn’t have an entitlement society back then. You weren’t looking for a handout back then. Have you tried having a conversation with the typical GenX person recently? They have an attention span of about 20 seconds and then they have to check their iphone for texts or their facebook. 40% don’t even know Healthcare was passed. All many of them know is that they were added to their parents policy until they are 26. Why would they buy Health coverage until they are forced to? Many don’t have a job or any prospects for jobs so they are just biding their time and fail to launch.
August 7, 2013 at 1:53 pm
Libby says:
Like or Dislike:
0
0
You are such a stereotyper. And you have a miserable outlook on the world today. I am sure you know a couple of redneck teenagers in Bumf*ck Texas. Big deal. You are hardly qualified to speak for an entire generation.
August 7, 2013 at 4:12 pm
FFA says:
Like or Dislike:
0
0
I had two interns from NIU Business School last summer. They both thought that – because of their education – they are entitled to at least $50K upon graduation.
The Generation of Entitlement is was different from when you or I were kids Libby. Even my kids – “I am going to sign up a cell phone on your account.” Me – The hell you are! Want a phone, get a job.
August 7, 2013 at 4:47 pm
Libby says:
Like or Dislike:
0
0
I think they are led to believe that while they’re in school.
August 7, 2013 at 5:08 pm
FFA says:
Like or Dislike:
0
0
When I had my College Grad Employee paying him $12.50 an hour, all he could do was laugh.
He told them about the real world and they still did not believe him.
August 8, 2013 at 8:34 am
jw says:
Like or Dislike:
0
0
Agent, I’m no expert on 20-somethings, but the few I know don’t fit your description. My boys (mid-20s) wanted out of the house as soon as possible. Most of their friends were living on their own by 20, and all of those friends were out in the real world by the time they graduated from college.
August 8, 2013 at 8:38 am
jw says:
Like or Dislike:
0
0
Should clarify that: my boys are mid 20s NOW – they wanted out as teens. In fact, both moved out in their teens. They moved out 6 months apart at 18 & 19.
August 8, 2013 at 2:26 pm
Sarah says:
Like or Dislike:
0
0
Roughly 1,200 companies received waivers from part of the healthcare reform law, the Health and Human Services Department (HHS) As of last Friday.
Labor unions continued to receive the overwhelming majority of waivers from the president’s health care reform law since the Obama administration tightened application rules last summer.
Documents released in a classic Friday afternoon news dump show that labor unions representing 543,812 workers received waivers from President Barack Obama‘s signature legislation since June 17, 2011.
By contrast, private employers with a total of 69,813 employees, many of whom work for small businesses who supported Obama, have been granted waivers by HHS.
you keep mentioning the lack of facts. Where are yours?
Just because you state them as fact, does not make them so. State your source and I’ll check it out for myself. Until then, you’re just whistling in the wind to me.
Sarah, If this bill wasn’t bad enough, Property Casualty 360 through Reuters (hardly a bastion of Conservatism) reports that the Exchanges are months behind on testing security of the IT Data. Supposedly, when people try to enroll Oct 1, their identity, income and other information will be funneled through a federal data hub and 7 different agencies who will have access to it starting with the now infamous IRS. What chances do you think that hackers can get into it and steal identities from Socials & income info? Judging from the breaches we keep hearing about with the government, the hackers could have a field day. I also think the exchanges will have a hard time staying up with the sheer number of applicants and will freeze up the exchange sites. It will not be a pretty picture no matter how much Libby & Ron tout the benefits of it.
Gee, Sarah, how are they “exempt”? I was under the impression that if your employer already provides health insurance there is nothing preventing that employer from continuing to provide the same insurance as long as it meets the minimum requirements.
jw, try explaining that to the unions who have the negotiated Cadillac plans which are going to be untenable in cost. Contact Jimmy Hoffa, Jr and tell him he can keep his plan if he likes it. The problem is he doesn’t like the cost and he will be losing his membership to the exchanges.
My ex-husband was in a union and he didn’t have “cadillac” coverage. He had health insurance, but it wasn’t anything special. The only difference in his plan was that it was funded by dues and administered by the union.
JJ~
I thought I just read that Congress & its employees WILL be using Obamacare exchanges for THEIR coverages. They will keep their federal contribution to their benefits but they must choose from the exchanges.
Wow…private carriers directly involved.
If this approach fails, single payor “medicare” for all is next. You’ll have plenty to keep complaining about…
So you’re ok with government representatives and their employees, who on average are making $175k per year, being able to skirt the taxes due on their Cadillac plans? Aren’t we as equal citizens supposed to share in the gains and pains of the law because it’s better for everyone? Its sad to see some of us are ok with different rules for the ruling class.
jw – I read it and my reply does fit. It doesn’t matter if they are getting coverage through the exchange they are still shorting the system due to the taxes they should be paying into it. Wasn’t the whole reason for designating some plans as Cadillac plans to make sure the wealthy paid their “fair share”? If you or I had the same insurance set up we would be forced to pay the taxes. Since they have self appointed themselves as a special class of citizen they are except from the full extent of the law. What is it that I missed?
August 7, 2013 at 2:22 pm
Libby says:
Like or Dislike:
0
0
The argument could be made that since the members fund the welfare fund with their dues, they are “self-insuring” the risk. It’s not illegal to buy a less comprehensive insurance plan and then fund for uninsured losses out of your own pocket. I think they have a point.
August 8, 2013 at 8:42 am
jw says:
Like or Dislike:
0
0
jj – if congress and employees get their coverage through the exchange, how are they getting a “cadillac plan”?
August 6, 2013 at 5:31 pm
Celtica says:
Like or Dislike:
0
0
It seems to me that if young people can afford to buy car insurance, which is mandatory if they own a car, they can also afford to buy minimum health care coverage.
Naturally, I recongize the fact that the GOP would prefer that only GOP members be able to afford health care insurance, so as to kill off everyone else. It will be the only way that they can win elections.
Celtica Says “It seems to me that if young people can afford to buy car insurance, which is mandatory if they own a car, they can also afford to buy minimum health care coverage.”
But will they? A question that we will have to wait and see on no doubt.
Dear FFA – who would buy auto insurance if they didn’t have to? There has to be a mechanism in place that penalizes those who do not buy mandatory insurance, such as auto. And so it goes with health care. Being 25 does not guarantee no health problems until age 50. Same with auto, being a safe driver over 50 does not guarantee you won’t be in an accident.
Celtica, Just plucked another one of them Govt Intrusions into private business nerves in my body.
All mandatory Auto insurance did in IL was to make the people with out coverage criminals. Beside that adverse selection people just went to crap carriers that didn’t bother paying claim any ways. All them folks bought was an Insurance Card.
Case and point – A carrier named Universal Auto. Took premium. Never paid claim. Had a 1% Market share in IL and led all carriers in # of Complaints filed. When the state started taking action, they folded, took the money and ran. unfortunately, there are many examples of these carriers that came to life after Mandatory Auto Insurance hit the books in IL.
What do you think that would have done to the Ill Guarantee Fund?
We will never agree that Govt Intrusion in Private Industry is a good thing or better for the greater good. Maybe I am more against it because I see the same crap going on in DC that I see in Springfield knowing where OBama came from.
Neither Govt entity (DC or Springfield) gibes a rats ass about getting people back to work. On the news last night, Quinn is holding their second paycheck. that jack ass in DC wants to develop green energy in Africa before he makes sure all our kids are fed.
Like I said before, I am from Illinois and I know what Chicago / IL politics are about. Unfortunately, your finding out the hard way too.
You’re gonna love this with more government intrusion. The IL Dept. of Insurance should have been watching over Universal Auto to prevent exactly this type of sham operation. Can’t even guess why there weren’t — unless the DOI was on the take. But if the government watch dogs don’t monitor this activity — who would? Certainly no one in the private world — they would be looking to also hoodwink the unsuspecting public. By and large, the DOI’s take their responsibilities seriously. What they didn’t in this case is subject to opinion. My guess is the were more sloppy than unscrupulous.
I would not doubt someone in the DOI is on the take. Its just biz as usual here in IL.
As far as I know, Universal is gone. Soon as one leaves, another pops up.
Being in the Ins Biz, AM BEST is a great indicator of what your buying.
August 7, 2013 at 9:58 am
Reagan says:
Like or Dislike:
0
0
The comment ” 2011 poll by the research group Demos finding that among those younger than 35 only 1 in 10 uninsured women and 2 in 10 uninsured men believe they don’t need health coverage, ” is misleading. It doesn;t say they are willing to buy it, only that they think they need it. This fits right in with what the Republicans have said all along. That these types of people wnat something for nothing.
Another disturbing fat, that someoe making $20K a year can pay as little as $42 a month for health insurance coverage. So, in the meantime that person is paying $200 a month for their beloved
i-phone, and I’m paying 10x that plus more to come to subsidize people so that they can by the i-phone 13 when it comes out. Meanwhile I’ll have to keep using my old Blackberry curve. This is a joke and wrong! The system will collapse! All you white middle class over privlidged dolts just killed this country when you put this Commie back in the white house. He doesn’t care about you and will soon find that out
“This fits right in with what the Republicans have said all along. That these types of people wnat something for nothing.” That is your assessment of young people under the age of 35? They’re all good for nothing and want something for nothing because they feel entitled? It doesn’t say much for the parents that raised these young people, many of which are Republicans. As a matter of fact, it insults not only the kids, but the parents, too.
Where do Republicans get this Us versus Them mentality? Us v. the 47%. Us v. the Democrats. Us v. the have-nots. It is not only not Christian, it’s unAmerican and it needs to stop. Yesterday.
Celtica – “Circa Nov./Dec. 2000. Ring a bell?”. No it don’t. Just don’t have time to dig into it. Nor am I that concerned about history.
I don’t think so much Red V Blue as opposed to IL politics. I guess history does influence my thinking.
August 7, 2013 at 10:43 am
parityfanatic says:
Like or Dislike:
0
0
It is my understanding that people under age 30 will be able to purchase a Catastrophic Health policy in the Exchanges with an extremely high deductible. If money is tight, they will be able to satisfy their mandate requirement with an extremely low premium. Even this policy will have no lifetime Cap and all essential areas of coverage are covered with certain coverages without the large deductible. Exchanges will have premiums 10/1…with 1/1/2014 coverage date. Open enrollment period will exist until end of March 2014.
Don’t forget…The FACTS will set you free.
Answer – nobody. Nobody pays $200 a month for any phone. I have an iPhone. I have the 64 GB phone I payed $300 for. I have the 1GB data plan. I pay under $70/month with Verizon and have data left over almost every month.
Verizon coverage for my stupid little Blackberry Curve was $100 per month. Sounds like Reagan ought to trade that bad boy in for an i-phone!
And I need to get one!
August 8, 2013 at 3:18 pm
Captain Planet says:
Like or Dislike:
0
0
I should note, this includes my 18% discount I get through my company. So, I guess without that, I’d pay close to $80. But, still, a far cry from $200/month. Numbers just fall from the thin air all the time out here. Right Sarah?
August 8, 2013 at 4:18 pm
FFA says:
Like or Dislike:
0
0
Me. Sprint. Two numbers. Me & my wife. $191 @ month. Unlimited Data. Had to leave ATT because they cut service at my lake. It was either Sprint or Cell One.
I have 8 people living in my house and another 3 – 4 days a week. As much as I like the isolation up there, I do need to be reachable especially with my parents health failing – my dad at a rapid rate. Besides, its in the company name and I write off 100%…
August 8, 2013 at 1:51 pm
Sarah says:
Like or Dislike:
0
0
Key word to the title of this article is Wizardry! Kind of like Hope, Change, Forward, Etc.
Do we really need anymore political wizardry. I think we are all tired of that crap. Obama seems to be on an ever ending political campaign with meaningless political sermons. But when it comes to leadership he is MIA. I saw him on Leno the other night and was disappointed he didnt pull out his saxophone, or sing us another R&B song. lol….. Pathetic at best!
Lacey Underall: Sarah says you’ve got a screw loose.
Ty Webb: Sarah molests collies.
August 8, 2013 at 2:32 pm
Sarah says:
Like or Dislike:
0
0
It was a reference to old Slick Willy’s (Bill Clinton’s) campaigning on TV playing his saxophone in his re-election campaing in 1996. Liberals fall for stuff like that!
look at how it is to argue with libtards. They do not know that Bill Clinton played the saxophone on TV. They come back with and you play chess with pigeons? They ask for facts but use none.
Arguing with liberals is useless. When faced with facts, They always revert to a baseless irrational emotional outburst of ridicule. Then they will say something stupid like where are your facts when they have not used any of their own in the tread. Pathetic!
I knew Clinton played the saxaphone, but you weren’t talking about Clinton. And you are the one with a limited understanding of the English language. When you say “arguing with a libtard is like playing chess with a pigeon” you are obviously comparing the two activities. So you do indeed enjoy playing chess with pigeons because you sure love to argue with a liberal. Most of which you lose, so you just quit posting. Spoiled sport.
Labor unions, government employee unions are continuing to receive the overwhelming majority of waivers from the president’s health care reform law since the Obama administration tightened application rules last summer.
Documents released in a classic Friday afternoon news dump show that labor unions representing 543,812 workers received waivers from President Barack Obama‘s signature legislation since June 17, 2011.
By contrast, private employers with a total of 69,813 employees, many of whom work for small businesses and financially supported Obama’s re-election, were granted waivers.
If my memory serves me correctly, the waivers you mention were issued on a temporary basis until 1/1/2014.
It sounds like extremely large employers could try to avoid Obamacare provisions by self-funding their plans.
Time will tell if self-funding becomes controlled by individual state legislation.
Someone in the forum has info I need. Does any one know of a way I can get into a chat room with that one poster with out the rest of the group joining the conversation???
Agent, Just got back from Dallas Texas. Had a great time and it was a business trip. Had a great steak at III Forks and had a customer friend take me to the ranch for a little horseback riding, cowboy hat, boots and all.
I was down there a few years back on a biz trip. Got snowed in for an extra two days as Ohare got blasted with a blizzard. 1st day was all business. Next day was play time on them. The additional two days was all about me & the wife.
Was a great little mini vacation. Very nice place to visit.
Back to healthcare, according to USA Today, this morning, August 9, 2013 page 9A. A Gallup Poll survey question was- Do you think the affordable healthcare act will affect your family’s heath care?
The Results:
42% said it would make it worse
33% said it would not make much difference
22% said it would be better and
3% had no opinion.
Does not look like the American people like it to me.
At this point the American public has experienced gigantic advertising $$$$$$$$ spent by special interests who desire to kill REAL change in our healthcare system. Supposedly that spending is at a rate 5-1 compared to those who support change.
I think it will be much more meaningful to look at polls AFTER Obamacare has operated for a year or two.
Don’t forget big $$$$$$$ were spent to kill Medicare BEFORE it became active.
FFA – this is “special interest” money we’re talking about. It’s rich Republicans, like the Koch Bros., funding this disinformation campaign. They have all the money in the world and are fighting with all they have to keep it that way.
I can not fault them for trying to protect their I interests.
At the very least, they are paying people to get out and “spread the word” weather you like the message or not. They are putting people to work.
August 9, 2013 at 4:24 pm
Libby says:
Like or Dislike:
0
0
Nice to have you back, Sarge. NOT.
August 9, 2013 at 3:57 pm
Sargeant Major says:
Like or Dislike:
0
0
So what you are saying is, go ahead federal government, pass laws that the majority of the people do not like and then take a poll after it goes in place to see if the people have changed their minds?
They do that in Russia and China, they just don’t take the poll
And you were just saying how you were accepting it is here to stay and were going to educate yourself and go with the flow. What happened?
August 9, 2013 at 5:32 pm
FFA says:
Like or Dislike:
0
0
Marketing plan is formulating as we speak. Waiting on City to tell me if I can make this a political thing. If I can make this a political thing, I can go over board on sinage. If its a marketing thing, I can only hang exterior sinage for 14 days and it can only be 32sq ft.
That determination will determine on how I manage the sinage. Sign guy coming buy next week to take measurements and then put together the design. Talking to my GA about the demographics to chase. Going to pull some eddm post cards and just start bombarding the county with my info.
Looking at hiring someone speaks Spanish to handle that influx.
Also have my web designer getting that set up.
if there is money to be made here, I am going to make it weather I like it or not. I have bills to pay. I don’t care how people come in. just care that people do come in. Charging hard.
You were right on a previous post – I need to get over it. I am getting over it. Its a costly proposition for my agency and I can not afford to miss fire on it…. Butterflies… Stress…
So, I am put in a position to embrace something I hate!! Inner Conflict through and through. Awe full lot of biz to be had here.
At the end of the day, its all about that dirty little P word. I want my house on the lake with my 24 ft Party Barge parked in front.
August 12, 2013 at 9:51 am
Libby says:
Like or Dislike:
0
0
Go for it, FFA! I’ve got my fingers crossed for you.
August 12, 2013 at 11:15 am
FFA says:
Like or Dislike:
0
0
For the first time In my professional career, I’ll be selling a product I do not like nor believe in.
Millions of people shopping for a product I can sell… Cant ignore that opportunity.
August 12, 2013 at 11:22 am
Libby says:
Like or Dislike:
0
0
You don’t like or believe in health insurance??? Since when?
August 12, 2013 at 1:47 pm
FFA says:
Like or Dislike:
0
0
I don’t believe OBama Care is the correct solution. I believe this is going to create a tremendous Burdon on tax payers. I have always believed that there was a better solution. Of course, it starts with Tort Reform -a pipe dream at best.
August 12, 2013 at 4:25 pm
Libby says:
Like or Dislike:
0
0
I guess we’ll just have to wait and see…
August 12, 2013 at 5:49 pm
FFA says:
Like or Dislike:
0
0
Time will tell. May as well take advantage of the massive amount of money spent already advertising this..
August 9, 2013 at 4:09 pm
FFA says:
Like or Dislike:
0
0
Per the Chicago Tribune today – another close personal friend of OBama is being questioned in some sort of Federal Grant Program Fraud. It states there is no evidence that the friend is being charged, but is heavily involved in the investigation.
They had to go up to 35 (years young?) to get the stats they wanted. But, why start at 18? Aren’t kids able to stay with parents until age 26? I’d like to see the numbers for the 20-29 age group.
“…plans need enough healthy participants to prevent sick people from swamping the system and sending rates soaring.” That’s the rub, isn’t it? Many Blue states reporting 30-50% rate reductions in the exchanges. Let’s see where they are in 3 or 4 years.
InsGuy said “They had to go up to 35 (years young?) to get the stats they wanted. But, why start at 18?”
35 yrs old is still realively young, depending on your age. :-) I think starting at 18 is not a bad thing. Many of these people may not have parents with health insurance to insure them. Better to get them into the practice of buying it young and staying healthy.
Sounds like Obama has some cutting edge marketing going on. It will be interesting to see it play out.
I can hear the thought process now among the 20-somethings… “Let’s see, this year I can afford to get a new ipad or I can get health insurance I don’t want and don’t need. Hmmm… what shall I do?”
That may be true in West Virginia.
Your comment is disrespectful to those who live in WV. You need to do a better job at supporting your argument.
D, you are right. Libby doesn’t mind being disrespectful to anyone with a Conservative viewpoint. Just because West Virginia voted against Obama overwhelmingly in the last election does not mean there aren’t good people there. I am sure wvagt and the citizens there are not real happy about the EPA shutting down the coal industry there.
I don’t bother supporting my argument with people that will not investigate my sources or read my data. They dismiss it out of hand, so why bother?
Well, he should know shouldn’t he? He’s the WVagt. Not me. What’s disrespectful about that?
The 20 somethings I know may not be typical, but they want to have health insurance because they want to be able to go to the doctor. Then again, I’m in a small town and I only know a very small fraction of the kids in my town, so my anecdotal evidence is a bit weak. ;)
Hi Wvagt. It only makes sense that they go after the low information voters who voted for a slogan and want a hand out. I promise you that most of these poor young things have no clue about the real world and I saw a poll recently that 40% don’t even know Healthcare was passed 3 years ago. They may know how to download an app on their iphone or tablet, but not much else. I think they would be inclined to buy a toy rather than get health insurance even if it is subsidized. I wonder what they will do with the failure to launch crowd who have no jobs or prospects for jobs. I guess Mom & Dad can subsidize that too since they provide everything else for them.
Your comment about young people is disrespectful to them. “Just because young people voted for Obama overwhelmingly in the last election does not mean there aren’t good people there.”
Those are your exact words. Or are you a “do as I say and not as I do” kind of person?
Most of the youth I know are eager to start their professional careers. Yes, they may be electronically savy, but that only strengthens their professional skills. Everything is moving to tablets and phones, so it’s good they can employ those crafts. I don’t know young person who hopes to live at Mom and Dad’s. They want to get out, be independent, start their life path. Do you really think 18 year olds want to stay under their parents’ thumbs and house rules? You must be crazy!
the young ones are the ones to go after because they are naïve and don’t “get it”. Without them paying exorbitantly more for health insurance they will likely never utilize (since they are young and healthy) – they are unnecessarily “taxed” for the exorbitant health care real dollars spent on the aging population – yet those aging individuals pay way less than what is statistically valid.
oh well, those young ones are the dummies that voted for Obama so I hope they enjoy paying all that extra premium after they “figure it out”…and then realize that there are less young ones in the population than old; wait till the first rate increase goes through and the young are paying even more with the low salaries they have in low paying service industry jobs like fast food and telephone sales banks selling Obamacare…
Yeah, those overpriced premiums like $42 a month!
So, the smoke & mirrors of data wizardry and shaky sizable subsidies that can’t be sustained over the long run will trump sound risk management, statistical analyses on cost drivers, and adherence to well known supply and demand forces in equilibrium markets?
Sounds like what happened in the Florida property insurance market, Mass Auto market, and with taxpayer-funded investments in the Green industry, will happen in the government controlled healthcare industry in a year or two. Marx my words.
Since PRIVATE carriers are insuring these people, I am sure they will follow risk management, statistical analyses on cost drivers, and adherence to well known supply and demand forces in equilibrium markets? Seriously, do any of you Republicans know anything about how the exchange works?
Sure…like the Massachusets plan which is successful. The shaky sizable subsidies, which you offer no proof of their “shakiness”, will only fall apart if the masses succumb to the dubious scare tactics from people like you and dumb ass Tea Party groups. Are there any insurance people posting here who understand the concept of a large pool of insureds and how that makes the system successful? Hopefully, the American people are smart enough to see through the fog of unproven predictions.
D – the law of large numbers is only insurance 101. It is a shameful representation of our industry that people posting on this blog don’t understand a fundamental principle of our business.
Yet more resources dedicated to Obama Care and to hell with Jobs by this administration.
Priorities are all out of wack. Of course, Chicago Politics invading DC so, biz as usual.
Wow. A plan to enroll millions of people to buy affordable health insurance to improve their well-being, while simultaneously bolstering the system with “large numbers” to make the system actuarially sound! Oh, the horror…the horror!!
I used to be a republican but seeing the party overun by nimrods like Mitch McConnel and those wack job Tea Party groups, which have no ability to improve the lives of anyone, makes me embarassed to say I ever registered with that party. They refuse to acknowlege republican ideas in the ACA like health exchanges and the requiremet that all people buy insurance. I will give them one thing…they are awesome at offering no alternatives but doomsday prediction and making up stuff like death panels.
D~
You are right on. Too many insurance “Producers” are only worried about making the biggest buck they can generate on American health care. God forbid MORE Americans should have QUALITY healthcare that COVERS pre-existing conditions at inception with NO lifetime caps. Don’t you know in America only the “well-to-do” deserve first rate healthcare.
Look how many GOP governors won’t expand medicaid. Most industrialized countries have universal healthcare for their citizens. Too many people suffer from what I call “THE ME” syndrome. I’m OK….it’s not my problem, it is YOUR problem.
If producers have yet to accept the fact that they have been cut out of the process because they just can not make any profit – yes that dirty little P word – they need to pull their head out of their a#@.
There is no money to be made in Health Insurance any more.
That’s funny. My company’s benefits department is exploding and so is our separate wholesale benefits division. We are selling consultation and creative solutions for large groups on the retail side. Brokering benefits products for other local agents on the wholesale side. They are excited by the great opportunity the ACA has provided in consulting with clients on the changes and also either using or selling against the exchanges, depending on the situation. The carriers on the exchanges still pay commission, but some of our agents charge a fee per participant in lieu of commission. The business has been very lucrative.
I just wasted 4.5 hours trying to close this group again. I now have at least 10 hours wrapped up in this and they still sent me away with out a check. Wants me to revise the quote again. Soon as OBAma Care kicks in, they will cancel and go to the exchange. There will be no profit here. I wont make the cost of gas alone on this one should it close.
I don’t do Agency Fees either. One of the biggest complaints that my new biz folks have is the Agency fees.
You can place business for them through the exchange and get commission if I’m not mistaken. I’ll find out for sure if you want me to.
Libby, if you could find something on that, I would appreciate it greatly. I have to present that to my producers after I determine if it would be worth it. I at least need to cover the cost. I’ll make my profit off the other lines.
Here is some info:
“The answer will vary by state. In most places the decisions about whether compensation will be paid and if so, how much have not yet been made. If you can ascertain the state or states in which your friend plans on selling exchange coverage, I can provide more detail. In general, I believe that at least for some time commissions will be paid for exchange product sales.”
I have asked him to check into IL and will get back to you.
Libby says – “Here is some info”.
Thanks. Good info. As much as I despise OBama Care and as much as I bash on it, there is marketing opportunity to be had.
Like it or not, this thing is here to stay. I have a 4 hour class to take on this. I’ll sit through the class, knock heads with the GA involved on marketing it and see where it takes me.
Don’t forget the on-line training at:
http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/a-b-resources.html
Just got a notice we are hiring 2 more people in our agency.
That’s great! Hopefully producers as they lead to support staff. Only way we are getting out of this economic mess is going to be one at a time.
One producer in our wholesale benefits division and a full-time HR person since we’ve hired so many people.
Hey D, you think a larger pool eliminates risk? Take a swimming pool with 2 people who can’t swim in it and add 50 more that can’t swim. I guess the odds of someone drowning goes down then? Obamacare is also taking on a lot more currently uninsurable risks, not just healthy youth. After year one, when premiums explode, the young healthy are going to disappear. ACA is unsustainable, period. At least you have that cretin Libby on your side if that makes you feel good.
Swimming pool? 50 people? Are you really serious? So, you are the one with the breakdown on the proportion of unhealthy uninsureds to healthy uninsureds? Why didn’t anyone consult such a smart person such as yourself when they wrote this thing? Remember, health exchanges and the concept of EVERYONE buying in is a republican idea. Either way, anyone who calls themselves an insurance person (people who post here) should step up and recognize the value of the law of large numbers. Hyperbole (swimming pool analogies) does not refute facts.
D, As long as you like the law of big numbers, why not insist that the government employees, public sector unions and private unions and all the other companies who have sought and received waivers all have to enroll. That should be several million enrolling and then you can crow about how rates should come down with the law of large numbers. There is no evidence shown so far that this bill will reduce cost to any consumers out there. I tend to believe the CBO’s prediction of large increases and I see the evidence every day of companies raising rates on insureds.
Let me try more simple logic D. Can we assume that probably 100% of the truly sick and uninsurable will end up buying? Why wouldn’t they right? Now how many healthy will buy? It’s a total guess which is why the wizards need their magic. But FOR SURE, the pool is going to weight more toward the sick from day one. And when that cost is absorbed, look out. If that doesn’t make sense I can’t help you.
Comparing apples to swimmers.
Cretin? The names I am called because I am for universal healthcare astonish me sometimes. I can’t believe the rest of the country cares less whether our society gets sick, suffers, and dies. In a supposed Christian nation, the lack of charity is unbelievable.
My son gave me a magnet that says: “Get Real. Like Jesus would ever own a gun & vote Republican.”
That pretty much sums it up!
I can’t thumb that up enough!
Funny how libtards use God to make a point, then want to remove his name from all Government documents, buildings etc. I am sure he would vote republican than support a baby killing morally deficient liberal.
You’re a despicable human being. I will pray for your soul, Sarah. Someone has to.
Funny how you, Sarah, need to use insults.
Agents in this discussion know that marketing “wizardry” may get an initial response but it will not be large enough to offset adverse selection. Additionally the lapse rate will be very high among younger people, whose health care needs are few, if the tax penalty plus the cost of birth control is substantially less than their insurance premiums. People want “free” health care not cheaper premiums, witness the number of young adults that flocked back to their parent’s policy for what they viewed as “free” Vs the number who decide to be independent and responsible by purchasing it on their own.
Bob, the adverse selection you are talking about is the flood of PreX people who will be first in line since they have had trouble finding coverage. Can you just imagine the claims that will be filed once they get coverage? Whatever young healthy applicants they get will be overwhelmed by the PreX people. I have a very good client who is a doctor with a successful practice and he said he wouldn’t accept Obamacare coverage and many of his doctor friends said they wouldn’t either.
I worked in marketing for a health insurance company that got out of individual and small group policies due to government regulations that set them up for adverse selection – the low health risks all left for new groups not yet affected by adverse selection or for lower individual premiums leaving those that stayed with the higher experience mods. Am I advocating that higher health risk be uninsured or insured at an unafordable rate? – absolutely not. Before Obama care all states had health risk pools with rates at or lower than most health care insurance providers were charging for healthy risks. Facts? Read Paul Zane Pilzer’s (a former commentator on CNN and NPR) book, written prior to Obama Care, on “The New Health Insurance Solution”.
Your first sentence is an opinion based on what research? It won’t be large enough to offset adverse selection? Really? Do you mean to say that those who buy an affordable coverage will simply let it lapse? Who is to predict such a thing on a grand scale? The only certainty in your statement is that nobody knows for sure what will happen. Those who flock back to their parent policy are doing so because it’s available and not simply free. You would do the same, I’m sure. There is a cost to that buy the way and it is paid for by the policy holder. What about the many who do not have a parents policy to flock back to? What happens when they reage age 26?
I think you all are selling Generation Happy Meal a little bit short. Type 2 Diabetes isn’t THAT cheap.
Wait until Generation X,Y,Z has to pay for their insurance of pay a fine. These kids have such an entitlement mindset, they will not be happy if they have to pay $10 for their health insurance.
Will not work
Obama!
As usual, your use of the facts is impressive (sarcasm).
Liberals and Facts used in the same sentence is like using Obama and frugal in the same sentence.
To Libtard and D for dumb,
If the exchanges and ACA are so good for everyone, why have the Companies who donated money to the Democrat party obtained waivers and almost all Unions, Federal Employees, Congress and State and local government employees demanding to be exempt from the exchanges and the ACA regulations.
Oh to hear from Sarah, the nicest person on this blog. I never pay attention to anything you say since you never cite sources or say anything remotely close to the truth. I may be a Libtard, but I’m happy not to be in your nasty, negative shoes. Your life must suck.
Libby, Sarah may be one of the the smartest people on this blog… She certainly isn’t the snarkiest. You seem to fit that description better than Sarah.
There you go with Evidence and Logic, code for… Well you know what.
Sic em Sarah. They can’t argue with your evidence and logic.
Sarcasm, right?
Evidence and logic?? Where? When?
Evidence meaning bull and logic meaning sh!t. It’s code.
Can’t thumb that one up enough, either…
LMAO… Arguing with a libtard like D – (Democrat) and Libby the (Libtard) is is like playing chess with a pigeon. No matter how much you study and learn the game, they always will jump up in the middle of the board crap on everything,knock over all the pieces and then for some strange reason strut around like they just won the game. To read their posts you would think they actually understand the ACA, Don’t you remember girls, we had to pass the law to find out whats in it. and now we do, no one likes it even the unions, government employees, and Obama supporters who donated but now want exemptions from the law?
LMAO… Arguing with a replublicrap like Sarah – (queen of mean) is like playing chess with a pigeon. To read their posts you would think they actually understand the ACA. Don’t you remember, people, the mandate and exchange ideas were all YOURS. Now, all you do is jump up on the middle of the board, crap on everything, knock over all the pieces and then for some strange reason strut around like you just won the game. Newsflash sweetie, you LOST the game! In 2008 AND 2012. Put on your big girl panties and GET OVER IT!!!
I can’t thumb that up enough!
When you resort to name calling without the use of actual facts you have already lost your argument. There are plenty of religious organizations that are exempt too that have no stomach for the president. Not sure what you mean by exempt. If you mean not having to buy insurance, here are the groups that do not have to buy insurance under ACA rules: American Indians, undocumented immigrants, prisoners, some relgious groups, people with wages so low they do not need to file taxes, and those who already have insurance which probably includes all of us who post here…even those who don’t care about the law of large numbers but still call themselves insurance people. See, I can help you with the facts without calling you names. Have a nice day Ms. Sarah.
D Says -“When you resort to name calling without the use of actual facts you have already lost your argument”
Peoples arguments diminish with the name calling with or with facts.
In my opinion and my opinion only with nothing to back this up – the Generation of entitlement will not buy Health Insurance until they need it.
FFA, If we could use a little logic here and knowing what we know about human nature, why would a young person sign up for this and pay whatever the premium is if they know that they can’t be turned down if they get sick? They would rather buy that iphone or ipad and won’t give it another thought until they are diagnosed with something and then they can run to the exchange and get coverage that will have to pay. The really sick PreX crowd are the ones that will flood the exchanges. I think we call that adverse selection and then watch the rates jump through the roof.
I was 21 when I got my first job that offered benefits. I signed right up and paid the premium via paycheck deduction. And this was before premiums were before-tax. Everyone I know that has coverage offered to them at an affordable rate has purchased it. You naysayers on the right are so out-of-touch with the youth these days, you’re laughable.
Libby, your post was as goofy as most you do. You are using an example of what, 30 years ago when you first signed up for benefits and got a deduction from your check. Do you really think that the GenX crowd still thinks the same way young people did back then? We didn’t have an entitlement society back then. You weren’t looking for a handout back then. Have you tried having a conversation with the typical GenX person recently? They have an attention span of about 20 seconds and then they have to check their iphone for texts or their facebook. 40% don’t even know Healthcare was passed. All many of them know is that they were added to their parents policy until they are 26. Why would they buy Health coverage until they are forced to? Many don’t have a job or any prospects for jobs so they are just biding their time and fail to launch.
You are such a stereotyper. And you have a miserable outlook on the world today. I am sure you know a couple of redneck teenagers in Bumf*ck Texas. Big deal. You are hardly qualified to speak for an entire generation.
I had two interns from NIU Business School last summer. They both thought that – because of their education – they are entitled to at least $50K upon graduation.
The Generation of Entitlement is was different from when you or I were kids Libby. Even my kids – “I am going to sign up a cell phone on your account.” Me – The hell you are! Want a phone, get a job.
I think they are led to believe that while they’re in school.
When I had my College Grad Employee paying him $12.50 an hour, all he could do was laugh.
He told them about the real world and they still did not believe him.
Agent, I’m no expert on 20-somethings, but the few I know don’t fit your description. My boys (mid-20s) wanted out of the house as soon as possible. Most of their friends were living on their own by 20, and all of those friends were out in the real world by the time they graduated from college.
Should clarify that: my boys are mid 20s NOW – they wanted out as teens. In fact, both moved out in their teens. They moved out 6 months apart at 18 & 19.
Roughly 1,200 companies received waivers from part of the healthcare reform law, the Health and Human Services Department (HHS) As of last Friday.
Labor unions continued to receive the overwhelming majority of waivers from the president’s health care reform law since the Obama administration tightened application rules last summer.
Documents released in a classic Friday afternoon news dump show that labor unions representing 543,812 workers received waivers from President Barack Obama‘s signature legislation since June 17, 2011.
By contrast, private employers with a total of 69,813 employees, many of whom work for small businesses who supported Obama, have been granted waivers by HHS.
you keep mentioning the lack of facts. Where are yours?
Just because you state them as fact, does not make them so. State your source and I’ll check it out for myself. Until then, you’re just whistling in the wind to me.
Sarah, If this bill wasn’t bad enough, Property Casualty 360 through Reuters (hardly a bastion of Conservatism) reports that the Exchanges are months behind on testing security of the IT Data. Supposedly, when people try to enroll Oct 1, their identity, income and other information will be funneled through a federal data hub and 7 different agencies who will have access to it starting with the now infamous IRS. What chances do you think that hackers can get into it and steal identities from Socials & income info? Judging from the breaches we keep hearing about with the government, the hackers could have a field day. I also think the exchanges will have a hard time staying up with the sheer number of applicants and will freeze up the exchange sites. It will not be a pretty picture no matter how much Libby & Ron tout the benefits of it.
Gee, Sarah, how are they “exempt”? I was under the impression that if your employer already provides health insurance there is nothing preventing that employer from continuing to provide the same insurance as long as it meets the minimum requirements.
jw, try explaining that to the unions who have the negotiated Cadillac plans which are going to be untenable in cost. Contact Jimmy Hoffa, Jr and tell him he can keep his plan if he likes it. The problem is he doesn’t like the cost and he will be losing his membership to the exchanges.
My ex-husband was in a union and he didn’t have “cadillac” coverage. He had health insurance, but it wasn’t anything special. The only difference in his plan was that it was funded by dues and administered by the union.
They could add approx. 11,000 people tomorrow if Congress and their staffers didn’t just exempt themselves from the law you and I must abide by.
JJ~
I thought I just read that Congress & its employees WILL be using Obamacare exchanges for THEIR coverages. They will keep their federal contribution to their benefits but they must choose from the exchanges.
Wow…private carriers directly involved.
If this approach fails, single payor “medicare” for all is next. You’ll have plenty to keep complaining about…
Parityfanatic
So you’re ok with government representatives and their employees, who on average are making $175k per year, being able to skirt the taxes due on their Cadillac plans? Aren’t we as equal citizens supposed to share in the gains and pains of the law because it’s better for everyone? Its sad to see some of us are ok with different rules for the ruling class.
JJ – did you even read what Parityfanatic wrote? Your reply doesn’t fit.
jw – I read it and my reply does fit. It doesn’t matter if they are getting coverage through the exchange they are still shorting the system due to the taxes they should be paying into it. Wasn’t the whole reason for designating some plans as Cadillac plans to make sure the wealthy paid their “fair share”? If you or I had the same insurance set up we would be forced to pay the taxes. Since they have self appointed themselves as a special class of citizen they are except from the full extent of the law. What is it that I missed?
The argument could be made that since the members fund the welfare fund with their dues, they are “self-insuring” the risk. It’s not illegal to buy a less comprehensive insurance plan and then fund for uninsured losses out of your own pocket. I think they have a point.
jj – if congress and employees get their coverage through the exchange, how are they getting a “cadillac plan”?
It seems to me that if young people can afford to buy car insurance, which is mandatory if they own a car, they can also afford to buy minimum health care coverage.
Naturally, I recongize the fact that the GOP would prefer that only GOP members be able to afford health care insurance, so as to kill off everyone else. It will be the only way that they can win elections.
Goodonya, Celtica! That was hilarious.
Celtica,
They think they need to go further to the right. I can hear Jon Lovitz right now, “Yeah, yeah, that’s the ticket.”
I applaud that strategy. Please, please go further to the right! Where can I donate?
Celtica Says “It seems to me that if young people can afford to buy car insurance, which is mandatory if they own a car, they can also afford to buy minimum health care coverage.”
But will they? A question that we will have to wait and see on no doubt.
Dear FFA – who would buy auto insurance if they didn’t have to? There has to be a mechanism in place that penalizes those who do not buy mandatory insurance, such as auto. And so it goes with health care. Being 25 does not guarantee no health problems until age 50. Same with auto, being a safe driver over 50 does not guarantee you won’t be in an accident.
Celtica, Just plucked another one of them Govt Intrusions into private business nerves in my body.
All mandatory Auto insurance did in IL was to make the people with out coverage criminals. Beside that adverse selection people just went to crap carriers that didn’t bother paying claim any ways. All them folks bought was an Insurance Card.
Case and point – A carrier named Universal Auto. Took premium. Never paid claim. Had a 1% Market share in IL and led all carriers in # of Complaints filed. When the state started taking action, they folded, took the money and ran. unfortunately, there are many examples of these carriers that came to life after Mandatory Auto Insurance hit the books in IL.
What do you think that would have done to the Ill Guarantee Fund?
We will never agree that Govt Intrusion in Private Industry is a good thing or better for the greater good. Maybe I am more against it because I see the same crap going on in DC that I see in Springfield knowing where OBama came from.
Neither Govt entity (DC or Springfield) gibes a rats ass about getting people back to work. On the news last night, Quinn is holding their second paycheck. that jack ass in DC wants to develop green energy in Africa before he makes sure all our kids are fed.
Like I said before, I am from Illinois and I know what Chicago / IL politics are about. Unfortunately, your finding out the hard way too.
Dear FFA:
You’re gonna love this with more government intrusion. The IL Dept. of Insurance should have been watching over Universal Auto to prevent exactly this type of sham operation. Can’t even guess why there weren’t — unless the DOI was on the take. But if the government watch dogs don’t monitor this activity — who would? Certainly no one in the private world — they would be looking to also hoodwink the unsuspecting public. By and large, the DOI’s take their responsibilities seriously. What they didn’t in this case is subject to opinion. My guess is the were more sloppy than unscrupulous.
I would not doubt someone in the DOI is on the take. Its just biz as usual here in IL.
As far as I know, Universal is gone. Soon as one leaves, another pops up.
Being in the Ins Biz, AM BEST is a great indicator of what your buying.
The comment ” 2011 poll by the research group Demos finding that among those younger than 35 only 1 in 10 uninsured women and 2 in 10 uninsured men believe they don’t need health coverage, ” is misleading. It doesn;t say they are willing to buy it, only that they think they need it. This fits right in with what the Republicans have said all along. That these types of people wnat something for nothing.
Another disturbing fat, that someoe making $20K a year can pay as little as $42 a month for health insurance coverage. So, in the meantime that person is paying $200 a month for their beloved
i-phone, and I’m paying 10x that plus more to come to subsidize people so that they can by the i-phone 13 when it comes out. Meanwhile I’ll have to keep using my old Blackberry curve. This is a joke and wrong! The system will collapse! All you white middle class over privlidged dolts just killed this country when you put this Commie back in the white house. He doesn’t care about you and will soon find that out
“This fits right in with what the Republicans have said all along. That these types of people wnat something for nothing.” That is your assessment of young people under the age of 35? They’re all good for nothing and want something for nothing because they feel entitled? It doesn’t say much for the parents that raised these young people, many of which are Republicans. As a matter of fact, it insults not only the kids, but the parents, too.
Where do Republicans get this Us versus Them mentality? Us v. the 47%. Us v. the Democrats. Us v. the have-nots. It is not only not Christian, it’s unAmerican and it needs to stop. Yesterday.
Wasn’t like that before Obama in America.
Bull.
Ok. But you have to agree, its never been this bad.
FFA says: Wasn’t like that before Obama in America.
Red State vs. Blue State vs. state rights. Circa Nov./Dec. 2000.
Ring a bell?
Celtica – “Circa Nov./Dec. 2000. Ring a bell?”. No it don’t. Just don’t have time to dig into it. Nor am I that concerned about history.
I don’t think so much Red V Blue as opposed to IL politics. I guess history does influence my thinking.
It is my understanding that people under age 30 will be able to purchase a Catastrophic Health policy in the Exchanges with an extremely high deductible. If money is tight, they will be able to satisfy their mandate requirement with an extremely low premium. Even this policy will have no lifetime Cap and all essential areas of coverage are covered with certain coverages without the large deductible. Exchanges will have premiums 10/1…with 1/1/2014 coverage date. Open enrollment period will exist until end of March 2014.
Don’t forget…The FACTS will set you free.
Reagan,
Sounds like you should quit your job and work at Wal*Mart for $10 per hour so you can live the good life.
Who the heck pays $200 a month for the i-phone???
I know, right?!!? Hmm. Guess I better alert AT&T, they’ve been undercharging me. A lot.
Answer – nobody. Nobody pays $200 a month for any phone. I have an iPhone. I have the 64 GB phone I payed $300 for. I have the 1GB data plan. I pay under $70/month with Verizon and have data left over almost every month.
Verizon coverage for my stupid little Blackberry Curve was $100 per month. Sounds like Reagan ought to trade that bad boy in for an i-phone!
And I need to get one!
I should note, this includes my 18% discount I get through my company. So, I guess without that, I’d pay close to $80. But, still, a far cry from $200/month. Numbers just fall from the thin air all the time out here. Right Sarah?
Me. Sprint. Two numbers. Me & my wife. $191 @ month. Unlimited Data. Had to leave ATT because they cut service at my lake. It was either Sprint or Cell One.
Having the phone actually work (get service) is probably a good idea.
I have 8 people living in my house and another 3 – 4 days a week. As much as I like the isolation up there, I do need to be reachable especially with my parents health failing – my dad at a rapid rate. Besides, its in the company name and I write off 100%…
Key word to the title of this article is Wizardry! Kind of like Hope, Change, Forward, Etc.
Do we really need anymore political wizardry. I think we are all tired of that crap. Obama seems to be on an ever ending political campaign with meaningless political sermons. But when it comes to leadership he is MIA. I saw him on Leno the other night and was disappointed he didnt pull out his saxophone, or sing us another R&B song. lol….. Pathetic at best!
The only crap I’m tired of is yours. You’re so stupid you think Obama plays the saxaphone.
And you like to play chess with pigeons.
Don’t know why, but that line reminds me of Ty Webb’s, “Well, your mom molests Collies.”
Lacey Underall: Sarah says you’ve got a screw loose.
Ty Webb: Sarah molests collies.
It was a reference to old Slick Willy’s (Bill Clinton’s) campaigning on TV playing his saxophone in his re-election campaing in 1996. Liberals fall for stuff like that!
I know your intellectual understanding of using an analogy is limited, but you are the pigeon! lol…
look at how it is to argue with libtards. They do not know that Bill Clinton played the saxophone on TV. They come back with and you play chess with pigeons? They ask for facts but use none.
Arguing with liberals is useless. When faced with facts, They always revert to a baseless irrational emotional outburst of ridicule. Then they will say something stupid like where are your facts when they have not used any of their own in the tread. Pathetic!
I knew Clinton played the saxaphone, but you weren’t talking about Clinton. And you are the one with a limited understanding of the English language. When you say “arguing with a libtard is like playing chess with a pigeon” you are obviously comparing the two activities. So you do indeed enjoy playing chess with pigeons because you sure love to argue with a liberal. Most of which you lose, so you just quit posting. Spoiled sport.
Labor unions, government employee unions are continuing to receive the overwhelming majority of waivers from the president’s health care reform law since the Obama administration tightened application rules last summer.
Documents released in a classic Friday afternoon news dump show that labor unions representing 543,812 workers received waivers from President Barack Obama‘s signature legislation since June 17, 2011.
By contrast, private employers with a total of 69,813 employees, many of whom work for small businesses and financially supported Obama’s re-election, were granted waivers.
Again, you don’t name your source or post a link. And you say I have no facts? LOL. You’re pathetic. Now crawl back in your hole and pout awhile.
If my memory serves me correctly, the waivers you mention were issued on a temporary basis until 1/1/2014.
It sounds like extremely large employers could try to avoid Obamacare provisions by self-funding their plans.
Time will tell if self-funding becomes controlled by individual state legislation.
Someone in the forum has info I need. Does any one know of a way I can get into a chat room with that one poster with out the rest of the group joining the conversation???
Can any one from IJ help????
Don’t know, sorry. I have wondered that myself.
Really, Sarge? You dislike my comment, identical to jw’s by the way, enough to censor it? You’re a piece of work.
Sorry, no idea.
Per IJ, cant be done unless I post my EMAil Address. They are advising against that.
It can be done in the Discussion forum.
Agent, Just got back from Dallas Texas. Had a great time and it was a business trip. Had a great steak at III Forks and had a customer friend take me to the ranch for a little horseback riding, cowboy hat, boots and all.
I was down there a few years back on a biz trip. Got snowed in for an extra two days as Ohare got blasted with a blizzard. 1st day was all business. Next day was play time on them. The additional two days was all about me & the wife.
Was a great little mini vacation. Very nice place to visit.
Back to healthcare, according to USA Today, this morning, August 9, 2013 page 9A. A Gallup Poll survey question was- Do you think the affordable healthcare act will affect your family’s heath care?
The Results:
42% said it would make it worse
33% said it would not make much difference
22% said it would be better and
3% had no opinion.
Does not look like the American people like it to me.
At this point the American public has experienced gigantic advertising $$$$$$$$ spent by special interests who desire to kill REAL change in our healthcare system. Supposedly that spending is at a rate 5-1 compared to those who support change.
I think it will be much more meaningful to look at polls AFTER Obamacare has operated for a year or two.
Don’t forget big $$$$$$$ were spent to kill Medicare BEFORE it became active.
I have to say, I love your name, Parityfanatic!
A big waste of money that could be funding Jobs Projects or even feeding the hungry children in our country.
Priorities are out of wack!
FFA – this is “special interest” money we’re talking about. It’s rich Republicans, like the Koch Bros., funding this disinformation campaign. They have all the money in the world and are fighting with all they have to keep it that way.
I can not fault them for trying to protect their I interests.
At the very least, they are paying people to get out and “spread the word” weather you like the message or not. They are putting people to work.
Nice to have you back, Sarge. NOT.
So what you are saying is, go ahead federal government, pass laws that the majority of the people do not like and then take a poll after it goes in place to see if the people have changed their minds?
They do that in Russia and China, they just don’t take the poll
I HATE THIS THING!!!!! Part of it old dog / new trick thing.
And you were just saying how you were accepting it is here to stay and were going to educate yourself and go with the flow. What happened?
Marketing plan is formulating as we speak. Waiting on City to tell me if I can make this a political thing. If I can make this a political thing, I can go over board on sinage. If its a marketing thing, I can only hang exterior sinage for 14 days and it can only be 32sq ft.
That determination will determine on how I manage the sinage. Sign guy coming buy next week to take measurements and then put together the design. Talking to my GA about the demographics to chase. Going to pull some eddm post cards and just start bombarding the county with my info.
Looking at hiring someone speaks Spanish to handle that influx.
Also have my web designer getting that set up.
if there is money to be made here, I am going to make it weather I like it or not. I have bills to pay. I don’t care how people come in. just care that people do come in. Charging hard.
You were right on a previous post – I need to get over it. I am getting over it. Its a costly proposition for my agency and I can not afford to miss fire on it…. Butterflies… Stress…
So, I am put in a position to embrace something I hate!! Inner Conflict through and through. Awe full lot of biz to be had here.
At the end of the day, its all about that dirty little P word. I want my house on the lake with my 24 ft Party Barge parked in front.
Go for it, FFA! I’ve got my fingers crossed for you.
For the first time In my professional career, I’ll be selling a product I do not like nor believe in.
Millions of people shopping for a product I can sell… Cant ignore that opportunity.
You don’t like or believe in health insurance??? Since when?
I don’t believe OBama Care is the correct solution. I believe this is going to create a tremendous Burdon on tax payers. I have always believed that there was a better solution. Of course, it starts with Tort Reform -a pipe dream at best.
I guess we’ll just have to wait and see…
Time will tell. May as well take advantage of the massive amount of money spent already advertising this..
Per the Chicago Tribune today – another close personal friend of OBama is being questioned in some sort of Federal Grant Program Fraud. It states there is no evidence that the friend is being charged, but is heavily involved in the investigation.
Rezco, Levine, JR, now Whittaker……