Some Health Insurers Say They’ll Be Squeezed by Obamacare Subsidy Freeze

By , Sarah Kopit and Brian Broderick | July 9, 2018

  • July 9, 2018 at 8:11 am
    PolarBeaRepeal says:
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    Paragraph 5: needs the word ‘that’ between ‘pool’ and ‘is’.

    Paragraph 9: The Federal govt receives ALL of its funds from US taxpayers. In the end, taxpayers paying a penalty for not insuring, and direct purchasers of health insurance, pay the higher costs resulting from enactment of ACA than those which would have otherwise occurred. So, this is a misdirection away from the true bearers of the adverse impacts of ACA. The ACA resulted in higher costs than would have otherwise occurred due to the simple fact it subsidizes the high costs instead of attempting to lower the overall level of costs, to make health insurance more affordable, thus more available in the private market.

    Paragraph 4: The CMS’s appeal should be summarily dismissed because it is an attempt to stop the Death Spiral that will free the people from the burden of a failed socialist program that increases costs instead of attempting to lower them.

    Paragraph 6: 2nd sentence omits the possibility of market competition driving down costs. Insurers seeking to capture market shares will compete via price, via innovations such as HEALTH CARE SPPECIFICCS, thus lowering HI costs for ALL insured risks. Prexers can get a better deal via high risk pools that worked in the past, but which were removed by ACA rules.

    Paragraph 10: Adverse selection issues have been resolved in auto insurance via reinsurance facilities / high risk pools… tweaking the prior high risk pools will increase voluntary market availability.

    Paragraph 11: Yes, ACA rules were APPLIED unfairly and arbitrarily by the Obama Administration, which granted over 2000 EXEMPTION for its cronies, unions, and specific companies that are ‘friendly with’ Democrats. Wait!; let me restate the descriptor ‘arbitrarily’ to ‘with favorable bias to donors’.

    More later…

  • July 9, 2018 at 8:20 am
    PolarBeaRepeal says:
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    Martin Hickey, CEO of New Mexico Health Insurers is correct only about his assertion that increased competition will lower costs. The risk adjustment, as it is currently implemented, or adjustments thereto, will not level the playing field. A ‘level playing field’ is NOT the objective; it will not create incentives for innovations that will lower costs. De-regulation will lower barriers to entry, which will enable competition among many creative individuals, to lower costs. Centralized governments to not innovate… they merely regulate and raise tax rates to cover their mistakes, fraud, and inefficiencies.

    • July 9, 2018 at 8:26 am
      PolarBeaRepeal says:
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      Last sentence above should be ‘…do not innovate’ instead of ‘…to not innovate’. Bear culpa.

  • July 9, 2018 at 8:30 am
    PolarBeaRepeal says:
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    Katie Keith is dreaming if she thinks the Trump Administration will go back on its campaign promises. The Death Spiral is taking down ACA, along with the removal of the mandate from the IRC, per the TRA-17.

  • July 9, 2018 at 8:36 am
    PolarBeaRepeal says:
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    Re: article’s title: insured US citizens were severely squeezed by ACA, and the Trump Administration is providing relief, despite the resistance of those who created and support the major social engineering federal government program failure called ‘ACA’. Policyholders were squeezed out of their satisfactory plans after Obama promised (i.e. lied) 29 times on the campaign trail that… ‘If you like your plan, you can keep your plan”.

  • July 10, 2018 at 1:50 pm
    Jack says:
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    I’m still waiting on my $2500 a year savings promised by Obola. Please tell me he was telling the truth?

  • July 10, 2018 at 2:04 pm
    Charlie says:
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    Obamacare, please hurry up and die and go away. I want my pre-Obamacare health coverage back.

  • July 10, 2018 at 4:32 pm
    Dave says:
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    Obamacare continues to die a slow and painful death.

  • July 12, 2018 at 8:34 am
    Ron says:
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    Fact: The Trump administration has had 18 months to come up with their replacement plan that, per President-elect Trump, will cover everybody regardless of their ability to pay. It was suppose to have been near completion prior to his taking office, according to him.

    https://www.washingtonpost.com/politics/trump-vows-insurance-for-everybody-in-obamacare-replacement-plan/2017/01/15/5f2b1e18-db5d-11e6-ad42-f3375f271c9c_story.html?utm_term=.b31488ee9968&wpisrc=al_alert-COMBO-politics%252Bnation

    Notice how I did not say anything about an actual bill being written or passed by Congress.

    • July 13, 2018 at 7:37 am
      PolarBeaRepeal says:
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      You keep harping about time expired since Trump took office to fix ACA. Obama took 2 years to implement that disaster, so it will take some time to unwind it and replace it with a better market solution. Your impatience with the delay is amusing because it is currently the ONLY thing you can object about. Trump has been sidetracked with a frivolous, biased, unsubstantiated investigation by Mueller… and it is only the fault of the Left that such distractions are impeding progress on Repeal & Replace. Finally, the mandate has been voided by the TRA-17 change. The rest will go away as the Death Spiral, now accelerated, ends ACA after US citizens vote for repeal via the 2018 elections.

      • July 13, 2018 at 10:05 am
        Ron says:
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        “Your impatience with the delay is amusing because it is currently the ONLY thing you can object about.” Until our president and Congress present a replacement, there is nothing else to which I can object.

        • July 14, 2018 at 9:17 am
          PolarBeaRepeal says:
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          Several options to replace ACA were introduced. The Congressional impasse due to the Dem resistance movement is the reason for the delay. Do not blame Trump or Republicans other than RINOs and Spoil Sports like Paul and McCain. The multiple proposals require vetting by the committees.

          The private HI industry is not yet ready to move on those plans because they have no strong motivation to lower costs that lower their revenues. SEVERAL laws must be enacted to unwind ACA rules, and multiple laws and NAIC Model Bills must be enacted to free the way for the private HI industry to fix the multiple existing problems…. via increased competition and supply of HI and health care services.

        • July 14, 2018 at 9:20 am
          PolarBeaRepeal says:
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          “Until our president and Congress present a replacement, there is nothing else to which I can object….”

          You CAN object to Schumer & Pelosi impeding progress in replacing ACA. Why don’t you do so, by writing to them, instead of writing empty complaints on IJ?

    • July 13, 2018 at 7:39 am
      PolarBeaRepeal says:
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      Tax Reform Act 2017 repeals the mandate. Death Spiral will conclude the ACA, clearing the way for Replacement plans in the private market.

    • July 13, 2018 at 9:43 am
      Ron says:
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      Why do ya’ll from the right have such poor reading comprehension?

      Please quote me in my post where I said anything about implementing a replacement? I even went out of my way to say my post was not about having a fix in place.

      I just want to see the proposal that he said was near completion over 18 months ago. THAT IS ALL!!

      • July 14, 2018 at 9:23 am
        PolarBeaRepeal says:
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        Try an internet search for the MULTIPLE proposals to replace ACA. Don’t expect us to point to ONE specific plan. Don’t ask for OUR (IJ readers) plan because we can’t control Congress, especially with Pelosi & Schumer dragging their heels to impede progress by Conservatives who have solutions in writing.

  • July 13, 2018 at 9:44 am
    Ron says:
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    Why do ya’ll from the right have such poor reading comprehension?

    Please quote me in my post where I said anything about implementing a replacement? I even went out of my way to say my post was not about having a fix in place.

    I just want to see the proposal that he said was near completion over 18 months ago. THAT IS ALL!!

    • July 13, 2018 at 9:56 am
      Rosenblatt says:
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      Maybe accidentally posting the same comment twice will allow PBR to properly comprehend what you’ve said? :D

      • July 13, 2018 at 10:06 am
        Ron says:
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        Lord knows that is what will be the focus, not the content.

        • July 13, 2018 at 2:19 pm
          bob says:
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          Pot, kettle.

          You take this same tactic very often. What is it with the reading comprehension of the left? More like you have a habit of being very disingenuous with your debates.

          As for his replacement: There have been bills. You ignored them. Also, the democrats refused to put up a new bill for vote I might add. They locked themselves out.

          That slows down process as well.

          Regardless, you mean to say, the plans you have seen won’t address what you think should be addressed. There have not been no plans.

          As for Trump’s one comment on the matter when he likely used one wrong word: He likely meant care for all, not insurance. As it stands, a good health care plan for premiums would automatically go back to the standard if you go into a hospital and can’t pay, you get coverage.

          That’s likely what he meant. He wouldn’t lie to pass no plan saying all will have coverage just wait another week. It’s ignorant to think that. Obama however, with a plan, said that his specific plan would save $2,500. He did know, he did NOT misspeak, and I know why you keep saying this Trump phrase, you compare them as the same. They aren’t.

          • July 13, 2018 at 2:48 pm
            Ron says:
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            bob,

            Yes, thr Republicans in the Senate came up with a bill that was not even good enough for all of its own members to vote “yes”. Must have been phenomenal.

            I want to see President Trump’s plan that provides, as you say, “care for all”, that he said was nearly completed 18 months ago.

            All of your words do not change the fact that, 18 months in, Republicans have been unable to come up with, or sell, a replacement plan as great as we were told they already had. Just admit that President Trump failed in either presenting the type of plan he promised, or was not able to sell it. It has to be one or the other.

            President Obama was wrong. Anything else about that?

          • July 13, 2018 at 4:49 pm
            bob says:
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            “Yes, thr Republicans in the Senate came up with a bill that was not even good enough for all of its own members to vote “yes”. Must have been phenomenal.”

            3 defected. 3 blocking is not synonymous with mass discontent. This is less than would normally defect by the way.

            Your statement is that you want to see a bill. There have been bills. Why will you not be honest and just say you don’t like what has come out?

            This is why you lose debates. This is one of the rare times I’m trying to help you, because I would agree with the following statement:

            I don’t like the republican healthcare plan. I would also agree it is better than the ACA though.

            It makes you disingenuous in the debate. You prefer the more extreme argument, how is that logical? You won’t take your opponents credibly due to that. They then over react with you, and you then say this is what the right does. I semi think you do it on purpose. I’m not entirely sure, but I suspect you think it makes you win arguments.

            “I want to see President Trump’s plan that provides, as you say, “care for all”, that he said was nearly completed 18 months ago.”

            So you’re obsessed with on phrase, and will say no plans meet it until that’s passed. That’s also extreme.

            “All of your words do not change the fact that, 18 months in, Republicans have been unable to come up with, or sell, a replacement plan as great as we were told they already had. ”

            Your last line does not contradict anything, and it’s disingenuous. They have had numerous plans, this is the same thing you did when I showed the 2009 republican bill, this is the same thing you did when you admitted you didn’t hear about the debit card program to pay for insurance, along with 9% lower premiums estimated for the republican plan, which the ACA was expected to increase premiums 9%, an 18% swing. If you lower premiums 18%, offer debit credits to buy insurance, and make premiums tax deductible (Paul Ryan’s plan, and why I liked him) and let people choose not to have insurance and be idiots all they like (it’s on them, personal responsibility) you let people fail, and reward people who don’t, in the insurance market, and allow lower premiums. It was the best plan. They would still get care, and then they might file for bankruptcy, but they wouldn’t push exploding premiums onto everyone, and on the government dollar as well, breaking the whole economy. You didn’t know this program existed, by your own admission, and blamed republicans, and not the media for tearing it to shreds. There is no direct line access politician to media. There have been plenty of plans, your words were just twisted. Rather, nothing you say can get rid of the fact that republicans have credible plans, which you the extremist pre qualify and ignore, based on off the cuff statements.

            “Just admit that President Trump failed in either presenting the type of plan he promised, or was not able to sell it. It has to be one or the other.”

            No, it doesn’t. Hindsight is 20/20, Trump did not FIRST SAY coverage for all, then fail to sell it. Trump first said he had a plan, said it 100 times, and once made a misspeak off the cuff. He didn’t fail to present it. He had a plan you don’t like.

            “President Obama was wrong. Anything else about that?”

            You only say this to be disingenuous. What you want is a public option. Every time you say this crud, that’s why you’re hyper focused on the Trump off the cuff statement, now you will not accept anything that isn’t single payer as honoring that one time statement.

            That statement is not what I base all my info off of. I’m not that stupid, unlike you.

            Obama off the bat said with a plan, that his specific announced plan would save $2,500. Trump said while crafting a plan, non specific according to you, there would be coverage for all. I’m talking your view point right now. And that was said once. Every other time, nope. So you took the one statement as being crafted, and said that was a promise the whole time and you’re now waiting for it? Get ready to be manipulated by every politician ever. Or you could get educated and pay better attention to the plans instead of who said what. That would work better. And debate what you don’t like.

            Want to know what I don’t like? The plan was estimated to increase the cost of insurance by 20%!!!! You have your golden egg! Why won’t you take the logical path? Instead of this nonsensical hissy fit!?

          • July 13, 2018 at 4:54 pm
            bob says:
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            You may as well be saying again and again:

            Me no likey Trump! How dare he say things, how dare he tweet things, I don’t likey Trump!!! I DON’T LIKEY TRUMP!!

            You sound like a 2 year old, just like the conservatives here. They say, I no likey Obama, he lie, he lie, he lie, I no likey Obama!

            And you try to say hey, I don’t do that! Yes…You do. It’s really annoying, and while you do, you don’t just say that like republicans here do, you also say “Why you votey for Trump? Why you support he!? HE LIE!!! HE LIE!!! HE NO GOOD!”

            All politicians lie, all are not good. We can instead say “why do you support this? Here is a better option from a democrat candidate”.

            The fact is the democrats have no better option, and no better candidate, that’s why we vote Trump. Not because we are immoral, are hypocrites, or have bad reading comprehension, or because we support a liar as you’ve said many times. How can I support him? Why do ewe support him?

            It’s nonsense. You’re being a big baby, and you’re disrespecting every person when you do it.

          • July 13, 2018 at 5:01 pm
            bob says:
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            By the way:

            This phrase:

            “All politicians lie, all are not good. We can instead say “why do you support this? Here is a better option from a democrat candidate”.”

            I have literally said on the alternate end from 2009 onward, referencing Paul Ryan’s plan, referencing Romney’s plans, and each time at the time you said that just because you vote them in doesn’t mean the ACA will be removed. So back then you even said you might support such health plans, but you refused to vote republican. I’m inclined to believe you won’t, that you’re basically very stubborn on supporting republicans, more than democrats, and that you won’t be reasonable on voting for an actual solution.

            You vote to complain, and vote out the other side, and to vote out liars, but I haven’t seen you vote for the issues. It’s people like you that vote so poorly, which makes us have no solutions.

            Craig said it to you lately: Then vote a solution. Don’t vote a person, don’t vote a non liar, don’t vote a not Trump, vote a solution. Where is it from the left? In the last 10 years, have they presented a plan you liked? Like the ones I showed you that you admitted you were for? You several times even said in the name of being bipartisan, if democrats wouldn’t vote for a bill, they shouldn’t even consider it. Democrats know this Ron. They use it, and they use you. They have successfully shut down plans for healthcare for decades, not vice versa. You have not held them accountable whatsoever, and you don’t list plans as I do to say what you do and don’t like, instead, it’s “Me no likey Trump! Trumpy say all cover! One time he said that! Why??? Me no likey Trump!”

            Stop being a child, start showing plans, start giving options to those you debate, instead of degrading and leaving not other option than “Dumpy Trump or you bad!”.

            Where is my option or alternate path Ron? You tell me. Do you remember our conversations about the 2009 republican alternates?

        • July 13, 2018 at 3:03 pm
          Rosenblatt says:
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          Ron #1: Notice how I did not say anything about an actual bill being written or passed by Congress.

          Ron #2: I just want to see the proposal that he said was near completion over 18 months ago. THAT IS ALL!!

          Ron #3: I just want to see the proposal that he said was near completion over 18 months ago. THAT IS ALL!!

          Bob: There have been bills. … the democrats refused to put up a new bill … you mean to say, the plans you have seen won’t address what you think should be addressed. There have not been no plans.

          See bob, this is why we keep harping on reading comprehension.

          Ron said THREE TIMES he’s not talking about bills, but the proposal Trump said was nearly complete 18 months ago. Your first 4 paragraphs are all about the bills – the thing Ron SPECIFICALLY said he was NOT talking about.

          As for your linguistic gymnastics about Trump meaning “care” and not “insurance” … even if you are 100% right that’s what he meant, you’re STILL missing the point.

          Trump (not the GOP & not the Dem’s) still hasn’t provided the plan he clearly said was nearly complete over a year and a half ago.

          • July 13, 2018 at 3:34 pm
            Ron says:
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            Thank you

          • July 13, 2018 at 5:05 pm
            bob says:
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            “Bob: There have been bills. … the democrats refused to put up a new bill … you mean to say, the plans you have seen won’t address what you think should be addressed. There have not been no plans.
            See bob, this is why we keep harping on reading comprehension. ”

            This is not a lack of reading comprehension, it’s Ron being disingenuous and me calling it out. You are incorrect.

            So now we insert the prequalifier where is the plan that Trump said on one occasion off the cuff all would have free care? Nowhere, because Trump never meant to say it, and every other time it wasn’t said. You fell right into Ron’s trap.

            This is why you will lose in the long run, and I won’t vote democrat. #walkway has tons of stories like mine.

            It’s time for you two to be honest. It’s why Craig is rejecting you. It’s why I am.

            There was no promised plan Ron is talking about, there have been dozens of plans you are now ignoring with prequalifiers, it’s insane.

            I lack no reading comprehension. Take the phrase back, or we don’t debate.

          • July 13, 2018 at 5:08 pm
            bob says:
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            Also, wrong. He is not only talking about what Trump said that one time, or he couldn’t possibly say this:

            ““All of your words do not change the fact that, 18 months in, Republicans have been unable to come up with, or sell, a replacement plan as great as we were told they already had. ””

            That “They” said they already had? He’s talking about a long period of time, isn’t he?

            He’s definitely making the statement that they have said they have a plan and don’t. He said this same thing in 2009, I debated him about it then. He always adds a prequalifier after he is shown he is wrong.

            I won’t keep doing this back and forth. I didn’t fail to read his comment in 2009, or 2012 during the election before Trump ever made this comment.

            He’s bluntly being a liar, and misleading.

          • July 13, 2018 at 5:17 pm
            bob says:
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            Ron in 2015 trying to say republicans had no bills for healthcare.

            https://www.insurancejournal.com/news/national/2016/05/13/408397.htm/?comments

            Depending on the time period, he would also go on to say well, they had proposals but they didn’t pass, and that’s because they were extreme, so they haven’t had any real fixes.

            Instead of saying what he didn’t like about what they tried to pass.

            This is the same record, repeated again and again.

            I know what I’m talking about, and you were around to see it. Get your head on straight. He has never taken a republican plan credibly. I’m inclined to believe that’s the problem, not one off the cuff statement from Trump.

          • July 13, 2018 at 5:21 pm
            bob says:
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            The thing is I’m actually really good at listening what Ron says, and I’m good at seeing the things he tries to pull.

            I don’t have reading comprehension skill issues. Ron fails to stay consistent on his case. He fails to go over republican bills. He fails to debate with people on that basis.

            We have had this same absurd argument too long. Also, he then every now and again says he indeed will only accept single payer.

            Even before Trump said this, so I know it’s not Trump’s phrase that is pushing this in Ron’s head, it’s his bias, and it’s very large.

            He clung to the one comment to be able to say what he already said in 2015, and earlier. Which is no solution will work but single payer in his head, regardless of what Trump said.

            So instead of taking that debate, which he knows is unpopular, he’s doing the unethical, look at Trump the big liar argument, and is saying he’s just waiting for the plan. The same plans he missed before and weren’t acceptable? The needle keeps moving as to why he won’t accept them, but he keeps saying each time he wants single payer. I’m inclined to think he’s not waiting for a plan from republicans unless it’s single payer and he’s using Trump’s off the cuff statement to say that’s why this time but it isn’t. He isn’t waiting for a credible plan, he’s rejecting all but single payer. I won’t keep seeing this dishonest method of debate. It’s what you want Ron. Just admit it, and stop trying to divert attention and pull the argument to another tone.

          • July 13, 2018 at 5:27 pm
            bob says:
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            “The needle keeps moving as to why he won’t accept them, but he keeps saying each time he wants single payer.”

            I worded this poorly and you probably can’t understand it due to that.

            What I mean by the needle keeps moving as to why he won’t accept them, I mean in public. Ron will say he won’t accept it because it doesn’t cover as many people, or because it wouldn’t be bipartisan and democrat votes won’t be given, or it didn’t pass because republicans didn’t get support, (one he says a lot) but he never took it credibly to begin with. The real reason, the true reason, is he is not looking for anything other than single payer, whether Trump made an off remark, or republicans didn’t sell their plans well enough, or whatever excuse he puts in public at the time to say a prequalifier of why the plan doesn’t count, and why republicans can’t get it done. He’s basically just being extremely misleading. And it’s obvious to anyone who pays attention to this goon.

          • July 13, 2018 at 6:43 pm
            Rosenblatt says:
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            “Nowhere, because Trump never meant to say it”

            I’ve read you make some outlandish claims before, but this might be the best. Will you use that argument every time we quote our President and we can prove he’s not being honest?

            He’s apparently a stable genius, right? That’s not a one-off comment he’s made. He’s said it a few times. So why won’t you take his words at face value? He’s got the best words after all! He’s a stable genius — he knows EXACTLY what he’s saying!

      • July 14, 2018 at 9:23 am
        PolarBeaRepeal says:
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        I did, and replied twice above.

  • July 13, 2018 at 12:58 pm
    need job says:
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    will my guaranteed federal job cover health care do we know yet??????????



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