Where can you get health insurance for $969 for a whole year? That is the cost for a single employee for just over 2 months in South Florida for a decent plan.
The answer is $0. If any company might have received payment from the government for this article, it would’ve been Bloomberg.
However, there’s no indication that this is a sponsored advertiser, so the odds of anyone getting paid by the government to push this out is slim-to-none.
*sponsored advertisement, not sponsored advertiser
December 10, 2015 at 4:26 pm
Agent says:
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So your conclusion for IJ publishing this article is that they are just doing it for the Agenda. That would make them Obama voters with a purpose.
December 10, 2015 at 4:54 pm
Rosenblatt says:
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That’s a pretty big leap you just made there, Agent. I’m not sure how you got any “conclusion” from my reply except: IJ couldn’t have gotten paid to write this article because nobody from IJ wrote it in the first place
December 15, 2015 at 12:58 pm
bob says:
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I find it hilarious how much you are basically a zealot that you don’t even understand what Agent says to you.
You’re too cool for school, is it?
He said an expression, a concept. That this article is bleeding Obama support for the law.
The way he said it was who is getting paid to write this.
You responded literally, which to me, is actually the stupid move. Whereas you then tried to say agent was stupid. Twice. Actually the answer is $0. (= ignorant).
Agent then said essentially: Ah so then you agree that this is an article with purpose for supporting the Obama / health care agenda?
(Essentially the same thing a second time, it’s his way of saying you missed my point.)
Then you said that’s a pretty bid leap there. The second time you called him stupid essentially or unreasonable.
Read between the lines…Or should I say “Reading comprehension” like Ron?
December 15, 2015 at 1:33 pm
Rosenblatt says:
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I take people’s post literally unless there’s some indication the post was not meant to be taken as such (e.g. “putting something in quotes” or adding a phrase like sarcastically to the post).
Did you ever take written tests in school? Did you read and respond to those questions literally or did you answer a question you thought was being asked that never was?
If someone posts something, I will take it at face value and respond to what was written. We are all adults here and should be able to properly express our true intent and real meaning using the appropriate words without presuming the reader will jump to what the poster meant to say but never actually said. Apparently you think that is stupid?
December 18, 2015 at 12:33 am
UW says:
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God the knots you morons twist yourself into, and the numerous conspiracy theories you support seconds after dreaming them up, just to ignore reality about health care in this country is astounding.
I honestly think if people matched the comments to real names–specifically with Agent–people here could be sued out if their minds for gross incompetence about insurance.
December 11, 2015 at 2:59 pm
FFA says:
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Well agent, if you use the new obama math, it works out. If you use old school math like you and I were taught in grade school, it wont work out so much.
Rosenblatt, another one of your word parsing replies. You did notice that I said that IJ published the story on this blog, didn’t you. I could care less who wrote it. IJ put it out there for our consumption and debate.
December 11, 2015 at 5:50 pm
Agent says:
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Write FFA. The new math is 2+2 =3. Our math gives a different answer. What if we quoted a new policy and told the insured it was $1,000 and then it came in at $2,000 due to an incorrect quote. How long would the insured stay with us? Mine would ask for an immediate return premium. I have been fortunate over the years to not have much of that because I do have a good ten key and can figure it out before quoting business and I live with my quotes.
December 9, 2015 at 1:27 pm
Laurel says:
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My family can not afford Obamacare. The lowest tier is 24% of our net income. At our income level, we don’t qualify for a subsidy from the government, but we pay no fine as the law specifically states that if the premium is higher than 8.05% of your gross income, you are not subject to the penalty. We would love to be able to have health insurance, but even if we could afford the coverage, where would we ever get the $6000 deductible and coinsurance to pay?
I understand your dilemma, however going uninsured is not a rational choice. If you can’t afford the $6,000 deductible and co-pay, how would you handle the $100,000, $250,000 or $500,000 a serious accident or major illness might set you back which would be covered by insurance? Many medical providers would easily kiss off the deductible if they got the other $100,000 or so. It’s irresponsible to go with no insurance.
Dave, perhaps IJ should have read the latest CBO report on how Obamacare will cost 2 millions jobs in the next 10 years. If people’s income rises, they are ineligible to the subsidies. They will choose to take fewer hours or stay on unemployment so they can stay on insurance. What a disincentive to work and try to get ahead!
Agent, please try to include necessary context when you summarize an article. That report said, ObamaCare will reduce work hours equivalent to 2 million jobs in the next decade
I know it may seem like word parsing to you, but there is a big difference between what you said and what the article actually said.
Your summary = Obamacare will cost 2 million jobs in 10 years
Actual summary = There may be no job loss at all, but there will likely be reduced working hours due to Obamacare, which may add up to the equivalent of 2 million jobs.
Rosenblatt, I agree that you are still word parsing. Please cite the good news of the article and the continuing success of Obamacare. Will it spark a new economic boom, create jobs, or will it depress an already depressed economy and continue the welfare state?
December 10, 2015 at 12:31 pm
Rosenblatt says:
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The only part I did not agree with you on was “Obamacare will cost 2 million jobs” — implying 2 million people will be out of work — versus “Obamacare will reduce working hours that add up to be the equivalent of 2 million jobs” — not implying any actual job loss, just lost hours within a job, e.g. people working 35hr weeks instead of 40.
December 10, 2015 at 4:22 pm
Agent says:
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Rosenblatt, am I to infer from your post that you will be happy to have millions of people either not working at all or taking less hours and be on part time status with low wages? If a citizen takes another job for low wages to make ends meet, will he make too much to get a subsidy?
Obama so loved the poor, he made millions more!
December 10, 2015 at 4:29 pm
BS says:
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Agent, what would make you infer that Rosenblatt would be happy to have “millions of people either not working at all or taking less hours and be on part time status with low wages?” All he did was clarify what the article said. Other than saying he agreed with you, there was no additional commentary on it. How did you turn that into something to attack over?
December 10, 2015 at 4:58 pm
Rosenblatt says:
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While I have no idea how you went from me clarifying the article you erroneously summarized to my schadenfreude towards the unemployed or underemployed, your inference is 100% wrong.
December 11, 2015 at 5:58 pm
FFA says:
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Agent says ” Obama so loved the poor, he made millions more!”
Let me finish the thought – While he made millions.
December 15, 2015 at 1:02 pm
bob says:
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“They will choose to take fewer hours or stay on unemployment so they can stay on insurance. What a disincentive to work and try to get ahead!”
Everything that is needed to explain why below is not an accurate response is above, mainly contained in “They will choose to take fewer hours OR stay on unemployment so they can stay on insurance”. In other words, he is arguing that as a result of:
“Actual summary = There may be no job loss at all, but there will likely be reduced working hours due to Obamacare, which may add up to the equivalent of 2 million jobs.”
People will more often choose to go on government benefits in the lower income bracket. You can argue his point if you would like…But arguing like MORON on this issue by using word choice and trying to make it philosophical to remove his point, is not rational, not moderate, and not ok. So STOP doing it. Either you have labeled agent so much that you ignore his concepts accidentally, or this is intentional, and spiteful. I basically have to think you’re an idiot to not think you’re swine. So that moron insult is your own fault buddy.
December 15, 2015 at 1:35 pm
Rosenblatt says:
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I sarcastically thank you for your “useful” post, bob. “Great” job moving the conversation forward and “not” resulting to childish name calling.
December 18, 2015 at 12:39 am
UW says:
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Agent, you incompetent liar, Rosenblatt is correct, you are wrong, and just spreading lies. The CBO specifically stated that this line of bullshit is not what their report said. They said some people would stay part-time, because they could afford to, and that many people would start their own businesses, which counts as a reduction in “jobs” as they define it.
December 11, 2015 at 3:01 pm
FFA says:
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Dave, R us stuck in the protest zone? Whats your feeling on Rahm? I know he has done well with the grad rate. But that pesky murder rate….
Bob, I am used to it with Rosenblatt. On any article I post on, he looks for my comment and tries to discredit it with his unique style and word parses it to death. I say it is Schadenfreude, his word not mine.
Because of Government subsidies, I guess. I pay more than that a month, for sure.
I bet if you stood on the street corner giving out checks for $10,000 half the people would bitch it wasn’t $20,000.
I even wonder if many even file a tax return…..in the World of Reality. Penalties mean nothing to them…………
There is NOTHING AFFORDABLE in this Act…perhaps if the insurance companies did not DOUBLE EVERYTHING — like my rates and deductibles – as it went into effect, those of us over the subsidy line would not be so strapped. The healthcare dot gov guy kept saying how wonderful it was for so many people to now have health insurance after I kept telling him the rates were nowhere near affordable. This forced-altruism won’t help me pay my other bills.
Is it true that subsidies are taxable, as a commenter said? I did’nt know that.
ileans, you must be a young one. Every time the govt sticks their nose into private business, cost goes up. Get used to getting screwed like this. He had no business sticking his nose into Health Insurance. No experience. No knowledge. Just a large ego.
FFA, good one except you left off a huge Progressive Socialist Agenda. Progressives have been longing for this since Woodrow Wilson and they finally got it with Obama. What a signature legislative nightmare and we are all paying the price for their stupidity and agenda.
yeah, FFA. you failed to insult almost half of our country! thank god agent was here to fill the void
December 11, 2015 at 5:57 pm
FFA says:
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Confused, I am an old timer – 26 years in this biz. I have suffered through Il politics my entire life. It sucked on a state level. It sucks even more on the Federal Level. I have spent more then half my day on hold trying to get the latest round of lies (you can keep your policy) back up & running. These are just existing clients that do not see the point and have seen nothing but costs increase. They are the people that know the old school definition of affordable – not the new ofnbama speak.
The only one I insult is ofnbama. He is the biggest jack ass that ever sat in the white house. He care about no one but himself. His special brand of Cook County Politics screws everyone.
December 11, 2015 at 10:20 am
Agent says:
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Rosenblatt, it is interesting that you don’t like it when I tell you that you parse words. If you don’t want to be criticized, then stop doing it. Now, you throw in “Schadenfreude” – Pleasure derived by someone from another person’s misfortune. Does this mean you are taking pleasure that so many people are being hurt by Obamacare and the Law of Unintended Consequences? Just a little bit of Common Sense goes a long way.
I’m not going down the rabbit hole of insults, and I know I’m probably asking too much here, but….
I sincerely hope Agent can post a quick reply along the lines of “I misunderstood what you wrote and agree you weren’t saying you take pleasure in those who are unemployed.”
Just some quick acknowledgement about him not comprehending what I said is all I’m looking to get from him. Not even asking for an “I’m sorry I thought you take pleasure in other people’s pain” comment – just a simple “I get what you meant now” reply.
December 15, 2015 at 1:06 pm
bob says:
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Rosenblatt:
Or you could admit that the one who made the first irrational comment was you above. I already explained it;
Ron,
Stop mocking Agent’s intelligence. Rosenblatt clearly twice missed agents points here. I followed it. Rosenblatt didn’t.
And if you keep mocking his intelligence I’ll keep going after you personally on your ignorant mess ups.
It is fun but annoying to have to quote article after article after methodology, especially the last time when you said you already proved it, and didn’t have to prove it again when I gave facts…
You’re such a bigoted fool…With agent being the reason you’re a fool. What I mean by that is:
You have been searching for the Agents of the world. All you see is agents. Stupid people. With bad reading comprehension.
Who hate the gays.
Who hate women’s rights.
Yatta yatta yatta. Us conservatives just (and true moderates) just think you’re a kid with a superiority complex who wants to think he’s better than everyone ELSE who is causing hatred. But not you. No no no no!
Agent just deserves that treatment! That nasty stupid man!
December 16, 2015 at 8:19 am
Ron says:
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bob,
Agent expresses his lack intelligence. I just happen to point it out.
It is amazing to me the lengths you will go to try to defend the indefensible.
I do not believe I am better than anyone, but I will not just take yours or his insults and false characterizations lying down.
maybe people usually just bow down to you and your “intelligence”, but I will not. If you can’t take it, don’t dish it out.
GROW UP CHILD!!
December 11, 2015 at 12:33 pm
Agent says:
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Suggestion to you Rosenblatt. Use some common sense in your replies and some intelligence. I hardly ever see you have an opinion on anything, just interpret a story in your own way as a way to criticize my post.
In your “opinion”, has Obamacare been a classic failure from the start or has it exceeded your wildest expectations like Obama has stated or is it your Schadenfreude???????? Please explain this to us. Also, please tell Ron that a number of his posts have between 10 to 20 misspellings and poor grammar.
Are you seriously asking me the same question a 3rd time when I have already answered it twice? Are you just not reading my replies? Come on man, try to keep up.
Okay – this is the most succinct way I can put it:
I THINK OBAMACARE HAS FAILED AND I DO NOT HAVE ANY SCHADENFREUDE TOWARDS THE UNEMPLOYED.
Do you understand me this time? Can you PLEASE stop asking about my (non-existent) schadenfreude towards the unemployed now?
“I hardly ever see you have an opinion on anything.”
Stop lying. We’ve talked about all of these at least 1/2 a dozen times: (1) I believe global warming is happening, (2) I haven’t voted Democrat in any election in the past 8 years, (3) I think Obama has been a worse-than-average President, (4) Trump would make an even worse President, (5) I will not vote for Hillary for President, (6) I support driver-less vehicles and accident avoidance in-vehicle technology, (7) texting and driving is horribly dangerous, (8) not all Muslims are terrorists, (9) not all Millenials are snot nosed entitled punks, and, well, I’ll just stop there.
December 11, 2015 at 4:36 pm
Agent says:
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It only took what, 4 replies to get anything out of you. This is why you were on the moratorium for several months. At least your replies are not filled with insults of my character or if my spellcheck didn’t work on one word. Thank you for your opinions, finally. What ever possessed you to put “Schadenfreude” in a reply on this forum? Try common terms next time and there will be no confusion on what you meant. Surely, you don’t talk to friends and colleagues that way or they would be rolling their eyes and wondering what in the h – – – did he mean by that statement?
December 11, 2015 at 5:07 pm
Rosenblatt says:
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“It only took what, 4 replies to get anything out of you”
Nope. I answered you the first time bud. You just didn’t understand me until I said the same thing 3 more times.
No comment on you claiming I have no opinions or that I clearly said your inference was 100% wrong the first time you asked? Just going to glossy over those?
PS – Except for you, everyone I’ve ever dealt with has been able to understand me, verbally and in writing. That should tell you all you need to know about who in our dialogue is failing at conversing properly.
Merry Christmas
December 14, 2015 at 3:00 pm
Agent says:
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As the prison warden said in Cool Hand Luke, What we have here is a failure to communicate.
We apparently have two America’s now, people speaking entirely differently from the North to the South. You speak in fancy language like SCHADENFREUDE and I speak in terms you don’t understand like Common Sense language. Vivre la Difference! That is French! I might as well speak that because you seem to have a problem with the English language.
December 15, 2015 at 1:11 pm
bob says:
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Rosenblatt,
Each time you replied to agent you tried to say that an issue he said was an issue was not really the issue.
At the same time YOU missed the issue. So agent asked again and again.
This is simple rosenblatt. Pay attention.
The 35 hour work weeks…You said the same things.
Agent said a 35 hour work week may cause people to just go on government assistance rather than work, which will cause a loss of jobs.
You said; 35 hour work weeks doesn’t cause a loss of jobs! You missed the point!
Agent said: So I suppose this law is good? (basically his way of indirectly saying stop putting words in my mouth and focusing on what you think I’m saying incorrectly when you know you agree with me that this law is bad)
You said: No I don’t like the law, stop putting words in my mouth (basically you can’t say no if you agree, and you were the one to mess up the first interpretation.)
He said “stop putting words in my mouth”
You said “stop putting words in my mouth”
Ron said: “Agent doesn’t know how to think”
And it went in circles.
Cool and Luke is definitely the right analogy Agent. You’re outside of the age range for them to understand what you’re saying.
December 16, 2015 at 8:22 am
Ron says:
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bob and Agent,
I will agree that we do have a failure to communicate. But it goes both ways.
December 9, 2015 at 1:51 pm
FFA says:
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Its BS propaganda. Even with Subsidy, they need to guess again.
Ask FFA, Jack, Dave, integrity matters, Patriot, Pete, FL/Agent, Bob if they understood “Schadenfreude” when you posted it. As they say often in the NFL, “Common Man”.
if someone doesn’t understand a word they’re reading on the internet, how hard is it for them to use google to expand their knowledge base? it is not like you’re reading in a library and have to find a dictionary and know the spelling to learn what something means.
Depends how much they care about knowing what it means… Whats the opportunity cost? When dealing with Ofnbama care, it amounts to a lot of hold time and getting kicked off the various sites.
Bob, do you remember what happened to poor Luke when he didn’t understand the warden and the rules? He was put in the hole for 30 days. He must have been a Progressive because he never did learn about respecting authority.
By the way, these dudes like Ron and Rosenblatt don’t like Independent Agents and owners of business. They are very lucky they still have jobs with their attitudes.
Jack- the price looks low but you did not mention the costly out of pocket expenses per plan (includes deductibles) or the limited hospital and doctor networks:
Out-of-Pocket Max: Bronze Plan $6,500/$13,000 (ind/fam); Silver Plan $6,250/$12,500 (ind/fam); Gold Plan $6,200/$12,400(ind/fam) and Platinum Plan $4,000/$8,000 (ind/fam)
And those obtaining their coverage through subsidies have already been on the unpleasant end of having the portion of their premiums subsidized through the government added to their taxable income and thereby increasing their tax liability.
This is a blatant lie, it isnt for most. Only a very few qualify for subsidies, the majority do not. My friend was laid off from her job with no income and she applied for subsidies, they denied her because she had a small amount of retirement money. She was told to cash that in and pay for her own health insurance which is what she ended up having to do. I have another friend that pays $550 per month for a single person and another that pays $300 per month for a healthy 12 year old child, she is on medicare living off social security-no subsidie for her either.
Until the government forces everybody onto the plan it is not likely to be “affordable.” It would seem to me that the only people signing up now are those whose health care costs exceed their annual premiums. For a carrier to make money you have to have a large group of people who won’t file claims or will only have small claims to offset the large claims. Right now only the sick are signing up.
1. It will NEVER be `affordable’. Once the government becomes involved, the last thing it can be is `affordable’. Nobody’s saving $2,500/year??? LOL
2. If you don’t pay taxes, what the hell do they penalize?
3. This was a fiasco from the start and the only reason it hasn’t crashed already is;
a. legislators aren’t subject to it
b. Obama’s minions have delayed its’ implementation repeatedly to avoid the voter’s wrath (i.e. – penalty/tax hit in 2017 – post 11/16 elections).
As an agent, the only thing we’ve seen from this is PAIN – on every level. The uninsured could have been provided for on a much more cost effective and much less disruptive basis.
Absolutely ridiculous, disruptive, destructive and counter-productive – like everything else this POTUS has touched.
Nice summary Pete. You left off the long string of lies to the American people from the POTUS right on down through Gruber, Pelosi, Reid and others. They have painted themselves into a corner and don’t know how to get out.
FFA, following is a good one for our scientist friends.
Energy = Mass X Speed of Light squared.
A lesser known formulation of this asserted that:
If you were to strip naked and run around in a circle at the speed of 298 km/sec ( the speed of light), it could be possible to screw yourself.
If you are not physically capable of achieving that speed at your age, you can easily accomplish the same result by: Voting Democratic in the Nov 8th 2016 General Election.
nope, the real problem with the internet is just too many progressive democratic millenial muslims posting jihadic messages trying to make war against christmas
The real problem is that OBama jammed this thing down our throats with out though as to implementation.
This years enrollment is worse the the initial enrollment. We expected trouble in the beginning, but this jack ass still thinks its a great idea to jam everyone into the system all at one right before the holidays.
Its just not worth the time or the effort. Next year, I will not be chasing this LOB. Ill service my clients, but marketing it for more of the same….
NOPE. NOPE. NOPE!
Where can you get health insurance for $969 for a whole year? That is the cost for a single employee for just over 2 months in South Florida for a decent plan.
Agreed. $969 for an annual health insurance policy? Maybe with ample subsidies? Yet another poorly written article by Insurance Journal.
Hey Dave & FFA, I wonder how much of a subsidy that IJ gets to write these pro Obamacare articles that are completely divorced from reality.
The answer is $0. If any company might have received payment from the government for this article, it would’ve been Bloomberg.
However, there’s no indication that this is a sponsored advertiser, so the odds of anyone getting paid by the government to push this out is slim-to-none.
*sponsored advertisement, not sponsored advertiser
So your conclusion for IJ publishing this article is that they are just doing it for the Agenda. That would make them Obama voters with a purpose.
That’s a pretty big leap you just made there, Agent. I’m not sure how you got any “conclusion” from my reply except: IJ couldn’t have gotten paid to write this article because nobody from IJ wrote it in the first place
I find it hilarious how much you are basically a zealot that you don’t even understand what Agent says to you.
You’re too cool for school, is it?
He said an expression, a concept. That this article is bleeding Obama support for the law.
The way he said it was who is getting paid to write this.
You responded literally, which to me, is actually the stupid move. Whereas you then tried to say agent was stupid. Twice. Actually the answer is $0. (= ignorant).
Agent then said essentially: Ah so then you agree that this is an article with purpose for supporting the Obama / health care agenda?
(Essentially the same thing a second time, it’s his way of saying you missed my point.)
Then you said that’s a pretty bid leap there. The second time you called him stupid essentially or unreasonable.
Read between the lines…Or should I say “Reading comprehension” like Ron?
I take people’s post literally unless there’s some indication the post was not meant to be taken as such (e.g. “putting something in quotes” or adding a phrase like sarcastically to the post).
Did you ever take written tests in school? Did you read and respond to those questions literally or did you answer a question you thought was being asked that never was?
If someone posts something, I will take it at face value and respond to what was written. We are all adults here and should be able to properly express our true intent and real meaning using the appropriate words without presuming the reader will jump to what the poster meant to say but never actually said. Apparently you think that is stupid?
God the knots you morons twist yourself into, and the numerous conspiracy theories you support seconds after dreaming them up, just to ignore reality about health care in this country is astounding.
I honestly think if people matched the comments to real names–specifically with Agent–people here could be sued out if their minds for gross incompetence about insurance.
Well agent, if you use the new obama math, it works out. If you use old school math like you and I were taught in grade school, it wont work out so much.
Rosenblatt, another one of your word parsing replies. You did notice that I said that IJ published the story on this blog, didn’t you. I could care less who wrote it. IJ put it out there for our consumption and debate.
Write FFA. The new math is 2+2 =3. Our math gives a different answer. What if we quoted a new policy and told the insured it was $1,000 and then it came in at $2,000 due to an incorrect quote. How long would the insured stay with us? Mine would ask for an immediate return premium. I have been fortunate over the years to not have much of that because I do have a good ten key and can figure it out before quoting business and I live with my quotes.
My family can not afford Obamacare. The lowest tier is 24% of our net income. At our income level, we don’t qualify for a subsidy from the government, but we pay no fine as the law specifically states that if the premium is higher than 8.05% of your gross income, you are not subject to the penalty. We would love to be able to have health insurance, but even if we could afford the coverage, where would we ever get the $6000 deductible and coinsurance to pay?
I understand your dilemma, however going uninsured is not a rational choice. If you can’t afford the $6,000 deductible and co-pay, how would you handle the $100,000, $250,000 or $500,000 a serious accident or major illness might set you back which would be covered by insurance? Many medical providers would easily kiss off the deductible if they got the other $100,000 or so. It’s irresponsible to go with no insurance.
Dave, perhaps IJ should have read the latest CBO report on how Obamacare will cost 2 millions jobs in the next 10 years. If people’s income rises, they are ineligible to the subsidies. They will choose to take fewer hours or stay on unemployment so they can stay on insurance. What a disincentive to work and try to get ahead!
Agent, please try to include necessary context when you summarize an article. That report said, ObamaCare will reduce work hours equivalent to 2 million jobs in the next decade
I know it may seem like word parsing to you, but there is a big difference between what you said and what the article actually said.
Your summary = Obamacare will cost 2 million jobs in 10 years
Actual summary = There may be no job loss at all, but there will likely be reduced working hours due to Obamacare, which may add up to the equivalent of 2 million jobs.
Rosenblatt, I agree that you are still word parsing. Please cite the good news of the article and the continuing success of Obamacare. Will it spark a new economic boom, create jobs, or will it depress an already depressed economy and continue the welfare state?
The only part I did not agree with you on was “Obamacare will cost 2 million jobs” — implying 2 million people will be out of work — versus “Obamacare will reduce working hours that add up to be the equivalent of 2 million jobs” — not implying any actual job loss, just lost hours within a job, e.g. people working 35hr weeks instead of 40.
Rosenblatt, am I to infer from your post that you will be happy to have millions of people either not working at all or taking less hours and be on part time status with low wages? If a citizen takes another job for low wages to make ends meet, will he make too much to get a subsidy?
Obama so loved the poor, he made millions more!
Agent, what would make you infer that Rosenblatt would be happy to have “millions of people either not working at all or taking less hours and be on part time status with low wages?” All he did was clarify what the article said. Other than saying he agreed with you, there was no additional commentary on it. How did you turn that into something to attack over?
While I have no idea how you went from me clarifying the article you erroneously summarized to my schadenfreude towards the unemployed or underemployed, your inference is 100% wrong.
Agent says ” Obama so loved the poor, he made millions more!”
Let me finish the thought – While he made millions.
“They will choose to take fewer hours or stay on unemployment so they can stay on insurance. What a disincentive to work and try to get ahead!”
Everything that is needed to explain why below is not an accurate response is above, mainly contained in “They will choose to take fewer hours OR stay on unemployment so they can stay on insurance”. In other words, he is arguing that as a result of:
“Actual summary = There may be no job loss at all, but there will likely be reduced working hours due to Obamacare, which may add up to the equivalent of 2 million jobs.”
People will more often choose to go on government benefits in the lower income bracket. You can argue his point if you would like…But arguing like MORON on this issue by using word choice and trying to make it philosophical to remove his point, is not rational, not moderate, and not ok. So STOP doing it. Either you have labeled agent so much that you ignore his concepts accidentally, or this is intentional, and spiteful. I basically have to think you’re an idiot to not think you’re swine. So that moron insult is your own fault buddy.
I sarcastically thank you for your “useful” post, bob. “Great” job moving the conversation forward and “not” resulting to childish name calling.
Agent, you incompetent liar, Rosenblatt is correct, you are wrong, and just spreading lies. The CBO specifically stated that this line of bullshit is not what their report said. They said some people would stay part-time, because they could afford to, and that many people would start their own businesses, which counts as a reduction in “jobs” as they define it.
Dave, R us stuck in the protest zone? Whats your feeling on Rahm? I know he has done well with the grad rate. But that pesky murder rate….
Bob, I am used to it with Rosenblatt. On any article I post on, he looks for my comment and tries to discredit it with his unique style and word parses it to death. I say it is Schadenfreude, his word not mine.
Because of Government subsidies, I guess. I pay more than that a month, for sure.
I bet if you stood on the street corner giving out checks for $10,000 half the people would bitch it wasn’t $20,000.
I even wonder if many even file a tax return…..in the World of Reality. Penalties mean nothing to them…………
There is NOTHING AFFORDABLE in this Act…perhaps if the insurance companies did not DOUBLE EVERYTHING — like my rates and deductibles – as it went into effect, those of us over the subsidy line would not be so strapped. The healthcare dot gov guy kept saying how wonderful it was for so many people to now have health insurance after I kept telling him the rates were nowhere near affordable. This forced-altruism won’t help me pay my other bills.
Is it true that subsidies are taxable, as a commenter said? I did’nt know that.
ileans, you must be a young one. Every time the govt sticks their nose into private business, cost goes up. Get used to getting screwed like this. He had no business sticking his nose into Health Insurance. No experience. No knowledge. Just a large ego.
FFA, good one except you left off a huge Progressive Socialist Agenda. Progressives have been longing for this since Woodrow Wilson and they finally got it with Obama. What a signature legislative nightmare and we are all paying the price for their stupidity and agenda.
yeah, FFA. you failed to insult almost half of our country! thank god agent was here to fill the void
Confused, I am an old timer – 26 years in this biz. I have suffered through Il politics my entire life. It sucked on a state level. It sucks even more on the Federal Level. I have spent more then half my day on hold trying to get the latest round of lies (you can keep your policy) back up & running. These are just existing clients that do not see the point and have seen nothing but costs increase. They are the people that know the old school definition of affordable – not the new ofnbama speak.
The only one I insult is ofnbama. He is the biggest jack ass that ever sat in the white house. He care about no one but himself. His special brand of Cook County Politics screws everyone.
Rosenblatt, it is interesting that you don’t like it when I tell you that you parse words. If you don’t want to be criticized, then stop doing it. Now, you throw in “Schadenfreude” – Pleasure derived by someone from another person’s misfortune. Does this mean you are taking pleasure that so many people are being hurt by Obamacare and the Law of Unintended Consequences? Just a little bit of Common Sense goes a long way.
Agent – why do you keep thinking that I take pleasure in unemployed or underemployed people? I JUST responded to you about this!
Let’s see if you understand this time. I’ll be as succinct as possible.
You asked “am I to infer…that you will be happy to have…people…not working…or taking less hours”
I responded by saying your inference is 100% wrong.
Rosenblatt,
Agent just is not smart enough to keep up with intelligent conversation.
In the future, when responding to him, please use small words and type slowly.
I’m not going down the rabbit hole of insults, and I know I’m probably asking too much here, but….
I sincerely hope Agent can post a quick reply along the lines of “I misunderstood what you wrote and agree you weren’t saying you take pleasure in those who are unemployed.”
Just some quick acknowledgement about him not comprehending what I said is all I’m looking to get from him. Not even asking for an “I’m sorry I thought you take pleasure in other people’s pain” comment – just a simple “I get what you meant now” reply.
Rosenblatt:
Or you could admit that the one who made the first irrational comment was you above. I already explained it;
Ron,
Stop mocking Agent’s intelligence. Rosenblatt clearly twice missed agents points here. I followed it. Rosenblatt didn’t.
And if you keep mocking his intelligence I’ll keep going after you personally on your ignorant mess ups.
It is fun but annoying to have to quote article after article after methodology, especially the last time when you said you already proved it, and didn’t have to prove it again when I gave facts…
You’re such a bigoted fool…With agent being the reason you’re a fool. What I mean by that is:
You have been searching for the Agents of the world. All you see is agents. Stupid people. With bad reading comprehension.
Who hate the gays.
Who hate women’s rights.
Yatta yatta yatta. Us conservatives just (and true moderates) just think you’re a kid with a superiority complex who wants to think he’s better than everyone ELSE who is causing hatred. But not you. No no no no!
Agent just deserves that treatment! That nasty stupid man!
bob,
Agent expresses his lack intelligence. I just happen to point it out.
It is amazing to me the lengths you will go to try to defend the indefensible.
I do not believe I am better than anyone, but I will not just take yours or his insults and false characterizations lying down.
maybe people usually just bow down to you and your “intelligence”, but I will not. If you can’t take it, don’t dish it out.
GROW UP CHILD!!
Suggestion to you Rosenblatt. Use some common sense in your replies and some intelligence. I hardly ever see you have an opinion on anything, just interpret a story in your own way as a way to criticize my post.
In your “opinion”, has Obamacare been a classic failure from the start or has it exceeded your wildest expectations like Obama has stated or is it your Schadenfreude???????? Please explain this to us. Also, please tell Ron that a number of his posts have between 10 to 20 misspellings and poor grammar.
Are you seriously asking me the same question a 3rd time when I have already answered it twice? Are you just not reading my replies? Come on man, try to keep up.
Okay – this is the most succinct way I can put it:
I THINK OBAMACARE HAS FAILED AND I DO NOT HAVE ANY SCHADENFREUDE TOWARDS THE UNEMPLOYED.
Do you understand me this time? Can you PLEASE stop asking about my (non-existent) schadenfreude towards the unemployed now?
“I hardly ever see you have an opinion on anything.”
Stop lying. We’ve talked about all of these at least 1/2 a dozen times: (1) I believe global warming is happening, (2) I haven’t voted Democrat in any election in the past 8 years, (3) I think Obama has been a worse-than-average President, (4) Trump would make an even worse President, (5) I will not vote for Hillary for President, (6) I support driver-less vehicles and accident avoidance in-vehicle technology, (7) texting and driving is horribly dangerous, (8) not all Muslims are terrorists, (9) not all Millenials are snot nosed entitled punks, and, well, I’ll just stop there.
It only took what, 4 replies to get anything out of you. This is why you were on the moratorium for several months. At least your replies are not filled with insults of my character or if my spellcheck didn’t work on one word. Thank you for your opinions, finally. What ever possessed you to put “Schadenfreude” in a reply on this forum? Try common terms next time and there will be no confusion on what you meant. Surely, you don’t talk to friends and colleagues that way or they would be rolling their eyes and wondering what in the h – – – did he mean by that statement?
“It only took what, 4 replies to get anything out of you”
Nope. I answered you the first time bud. You just didn’t understand me until I said the same thing 3 more times.
No comment on you claiming I have no opinions or that I clearly said your inference was 100% wrong the first time you asked? Just going to glossy over those?
PS – Except for you, everyone I’ve ever dealt with has been able to understand me, verbally and in writing. That should tell you all you need to know about who in our dialogue is failing at conversing properly.
Merry Christmas
As the prison warden said in Cool Hand Luke, What we have here is a failure to communicate.
We apparently have two America’s now, people speaking entirely differently from the North to the South. You speak in fancy language like SCHADENFREUDE and I speak in terms you don’t understand like Common Sense language. Vivre la Difference! That is French! I might as well speak that because you seem to have a problem with the English language.
Rosenblatt,
Each time you replied to agent you tried to say that an issue he said was an issue was not really the issue.
At the same time YOU missed the issue. So agent asked again and again.
This is simple rosenblatt. Pay attention.
The 35 hour work weeks…You said the same things.
Agent said a 35 hour work week may cause people to just go on government assistance rather than work, which will cause a loss of jobs.
You said; 35 hour work weeks doesn’t cause a loss of jobs! You missed the point!
Agent said: So I suppose this law is good? (basically his way of indirectly saying stop putting words in my mouth and focusing on what you think I’m saying incorrectly when you know you agree with me that this law is bad)
You said: No I don’t like the law, stop putting words in my mouth (basically you can’t say no if you agree, and you were the one to mess up the first interpretation.)
He said “stop putting words in my mouth”
You said “stop putting words in my mouth”
Ron said: “Agent doesn’t know how to think”
And it went in circles.
Cool and Luke is definitely the right analogy Agent. You’re outside of the age range for them to understand what you’re saying.
bob and Agent,
I will agree that we do have a failure to communicate. But it goes both ways.
Its BS propaganda. Even with Subsidy, they need to guess again.
Ask FFA, Jack, Dave, integrity matters, Patriot, Pete, FL/Agent, Bob if they understood “Schadenfreude” when you posted it. As they say often in the NFL, “Common Man”.
Agent,
If they did not understand schadenfreude, then there are as unintelligent as you. I am guessing they are not.
Well Ron, I guess I am unintelligent then.
Correction: “they’re” not “there”
if someone doesn’t understand a word they’re reading on the internet, how hard is it for them to use google to expand their knowledge base? it is not like you’re reading in a library and have to find a dictionary and know the spelling to learn what something means.
Depends how much they care about knowing what it means… Whats the opportunity cost? When dealing with Ofnbama care, it amounts to a lot of hold time and getting kicked off the various sites.
Bob, do you remember what happened to poor Luke when he didn’t understand the warden and the rules? He was put in the hole for 30 days. He must have been a Progressive because he never did learn about respecting authority.
By the way, these dudes like Ron and Rosenblatt don’t like Independent Agents and owners of business. They are very lucky they still have jobs with their attitudes.
Jack- the price looks low but you did not mention the costly out of pocket expenses per plan (includes deductibles) or the limited hospital and doctor networks:
Out-of-Pocket Max: Bronze Plan $6,500/$13,000 (ind/fam); Silver Plan $6,250/$12,500 (ind/fam); Gold Plan $6,200/$12,400(ind/fam) and Platinum Plan $4,000/$8,000 (ind/fam)
And those obtaining their coverage through subsidies have already been on the unpleasant end of having the portion of their premiums subsidized through the government added to their taxable income and thereby increasing their tax liability.
This is a blatant lie, it isnt for most. Only a very few qualify for subsidies, the majority do not. My friend was laid off from her job with no income and she applied for subsidies, they denied her because she had a small amount of retirement money. She was told to cash that in and pay for her own health insurance which is what she ended up having to do. I have another friend that pays $550 per month for a single person and another that pays $300 per month for a healthy 12 year old child, she is on medicare living off social security-no subsidie for her either.
I am a 60 year old female in excellent health and the cheapest plan I can find is 679@ month. I don’t know how this is considered affordable.
Until the government forces everybody onto the plan it is not likely to be “affordable.” It would seem to me that the only people signing up now are those whose health care costs exceed their annual premiums. For a carrier to make money you have to have a large group of people who won’t file claims or will only have small claims to offset the large claims. Right now only the sick are signing up.
I have had three people tell me they would take the fine instead of paying the premium.
1. It will NEVER be `affordable’. Once the government becomes involved, the last thing it can be is `affordable’. Nobody’s saving $2,500/year??? LOL
2. If you don’t pay taxes, what the hell do they penalize?
3. This was a fiasco from the start and the only reason it hasn’t crashed already is;
a. legislators aren’t subject to it
b. Obama’s minions have delayed its’ implementation repeatedly to avoid the voter’s wrath (i.e. – penalty/tax hit in 2017 – post 11/16 elections).
As an agent, the only thing we’ve seen from this is PAIN – on every level. The uninsured could have been provided for on a much more cost effective and much less disruptive basis.
Absolutely ridiculous, disruptive, destructive and counter-productive – like everything else this POTUS has touched.
Nice summary Pete. You left off the long string of lies to the American people from the POTUS right on down through Gruber, Pelosi, Reid and others. They have painted themselves into a corner and don’t know how to get out.
Yeah. What Pete said.
FFA, following is a good one for our scientist friends.
Energy = Mass X Speed of Light squared.
A lesser known formulation of this asserted that:
If you were to strip naked and run around in a circle at the speed of 298 km/sec ( the speed of light), it could be possible to screw yourself.
If you are not physically capable of achieving that speed at your age, you can easily accomplish the same result by: Voting Democratic in the Nov 8th 2016 General Election.
Seems like all sites are crashed. Have not been able to access any site since Friday.
What now?
FFA, I could guess that we have some serious hacking going on which causes down time.
nope, the real problem with the internet is just too many progressive democratic millenial muslims posting jihadic messages trying to make war against christmas
The real problem is that OBama jammed this thing down our throats with out though as to implementation.
This years enrollment is worse the the initial enrollment. We expected trouble in the beginning, but this jack ass still thinks its a great idea to jam everyone into the system all at one right before the holidays.
Its just not worth the time or the effort. Next year, I will not be chasing this LOB. Ill service my clients, but marketing it for more of the same….
NOPE. NOPE. NOPE!
FFA, I concluded about 4 years ago that is wasn’t worth the effort and I didn’t need the E&O exposure.
Maybe if they hired people that could actually speak English.