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I and others have been trying to get the word out to people since the monster was passed by the Democrats that Obamacare will cost much more than the current cost of healthcare insurance but 51% of the voters didn’t listen.  Now the word is finally out and Heritage got the answers for us.  check out what you will pay for health care insurance by checking out the state you live in.  BB

The Heritage Foundation

Issue Brief on Health Care

Issue Brief #4068 | October 16, 2013

How Will You Fare in the Obamacare Exchanges?

By Drew Gonshorowski

 

There are literally no comparisons to current rates. That is, [the Department of Health and Human Services] has chosen to dodge the question of whose rates are going up, and how much. Instead they try to distract with a comparison to a hypothetical number that has nothing to do with the actual experience of real people.

—Douglas Holtz-Eakin
President, American Action Forum[1]

Enrollment in Obamacare’s health insurance exchanges has proven to be a somewhat difficult process amidst technical glitches and delays. Aside from the issues associated with actually purchasing health care, once an individual gets a quote for health insurance on an exchange, is the premium higher or lower than before?

Our research finds that for many states, the insurance on health exchanges will cost more than existing insurance. This study illustrates that the general experience for individuals shopping on the exchange is that of increasing premiums from what was available to them prior to implementation of the exchanges. Many families and individuals will face this reality as they apply for coverage, and the implications of experiencing sticker shock are important to consider if enough people choose not to sign up for coverage for various reasons.

Methodology

The Heritage Health Insurance Microsimulation Model (HHIMM), in concordance with insurer data compiled by Mark Farrah and Associates, is used to create a snapshot of what it looks like to shop for insurance prior to exchange implementation. This data is used to build weighted average premiums within the rating areas, similar to the process described in the most recent release from the Department of Health and Human Services (HHS).[2]

First, we use expected age distribution in the individual market from the HHIMM. Next, we use census data for the county populations in order to scale up to the state level, creating something that is roughly comparable to the weighted averages presented by HHS.[3] This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

This paper is meant to provide a necessary segue to HHS’s data summary, creating an apples-to-apples comparison of exchange data to what the costs are for individuals. Effectively, we have used the same methods that were employed to provide summary data on the exchange markets to prior insurance data in order to get the closest comparison.

Some state-based exchanges have data releases that are more limited than the 36 federal exchanges. For state exchanges, some premiums must be estimated. As is the case with all studies built to address the changes in exchange premiums, it is important to note that when more data becomes available, results could vary slightly.

This study considers the data as released by HHS. States with little data released are omitted from this study.[4]

Results

Individuals in most states will end up spending more on the exchanges. It is true that in some states, the experience could be the opposite. This is because those states had already over-regulated insurance markets that led to sharply higher premiums through adverse selection, as is the case of New York. Many states, however, double or nearly triple premiums for young adults. Arizona, Arkansas, Georgia, Kansas, and Vermont see some of the largest increases in premiums.[5]

How Will You Fare in the Obamacare Exchanges?

The Obama Administration is desperate for younger people to enroll to prevent an adverse selection death spiral. As pointed out by Sam Cappellanti at the American Action Forum, “The enrollment of these low cost young adults…is essential as they are required to subsidize the costs of insuring the elderly and chronically ill.”[6] However, young adults face a penalty for not enrolling that is projected to be far less than the insurance coverage they could receive.

Our findings confirm that younger populations see larger percentage increases in premiums. A state that exhibits this clearly is Vermont, where the increase for 27-year-olds is 144 percent and the increase for 50-year-olds is still 60 percent, but far less. All states exhibit this relationship.

Many individuals will experience sticker shock when shopping on the exchanges. It is clear that many policies and cross-subsidization within Obamacare will lead to upward shifts in premiums. These policies include the health insurance tax, essential health benefit and actuarial value regulations, less allowed age variability in premiums, community rating, and guaranteed issue.[7] However, real uncertainty, amidst a rocky start, surrounds what enrollment will look like in the exchanges.

Fantasy Savings

Obamacare will leave many people paying more for their health insurance. The healthcare.gov website is learning to crawl, with additional data trickling in. However, based on information already released by HHS, states, and insurance plans, the claims of savings on premiums for the average participant is a fantasy.

—Drew Gonshorowski is a Policy Analyst in the Center for Data Analysis at The Heritage Foundation.

————————-[1]Quoted in Avik Roy, “Double Down: Obamacare Will Increase Avg Individual Market Insurance Premiums by 99 Percent for Men, 62 Percent for Women,” Forbes, September 25, 2013,http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/ (accessed October 11, 2013).

[2]U.S. Department of Health and Human Services, “Health Insurance Marketplace Premiums for 2014,” September 2013,http://aspe.hhs.gov/health/reports/2013/MarketplacePremiums/ib_marketplace_premiums.cfm(accessed October 10, 2013).

[3]HHS’s main exchange dataset can be found here: https://www.healthcare.gov/health-plan-information/ (accessed October 10, 2013).

[4]Massachusetts and Hawaii are omitted. Minnesota, Kentucky, and Maryland have issued small releases.

[5]Virginia’s data likely has data entry errors. Omitting the entries that are likely incorrect suggests that Virginia’s likely premium increases are 115 percent for 27-year-olds, 65 percent for 50-year-olds, and 30 percent for a family of four.

[6]Sam Cappellanti, “Premium Increases for ‘Young Invincibles’ Under the ACA and the Impending Premium Spiral,” American Action Forum, October 2, 2013,http://americanactionforum.org/research/premium-increases-for-young-invincibles-under-the-aca-and-the-impending (accessed October 10, 2013).

 

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Good newsletter from Heritage on the monsters that Washington can not ignore but are ignoring and the impact is bad for the American people.  Also a good article on Dr. Ben Carson whom I personally like a lot.  BB

Two Things Washington Cannot Ignore10/14/2013Members of Congress are still at an impasse—they cannot agree on the debt limit, spending cuts, Obamacare, or funding the government.

The House has passed a variety of bills that would have reopened portions of the federal government, but the Senate has rejected them all. As they volley proposals back and forth, there are two things they cannot ignore.

Her-2-Oct11-MoveAlong_300

1. Obamacare

Obamacare is not even fully implemented, but it is negatively impacting people today. Just look at these responses we received when we asked readers about their health insurance costs. Premiums are going up—by hundreds of dollars per month for many. (Read here about how to send us your cost increases.)

It’s negatively impacting the practice of medicine. See what neurosurgeon and author Dr. Ben Carson told us about Obamacare getting between doctors and patients.

Conservatives across the country have made their voices heard—Obamacare must be stopped. Senator Ted Cruz (R-TX) told the activists at the Values Voter Summit on Friday that it is your voices that have helped House Members stand strong against Obamacare. And it’s not time to quit.

2. Spending Cuts

Obamacare creates new entitlement programs—which is the last thing the country needs as the existing entitlement programs are driving our spending and debt crisis. Even in the face of these huge problems, though, many Members of Congress are trying to go back and haggle over the 2.5 percent spending cuts agreed to in the sequestration deal that hails from 2011.

This is not only unproductive; it is absurd.

What Romina Boccia, Heritage’s Grover M. Hermann Fellow, wrote in August remains every bit as true today:

It is irresponsible for lawmakers to spend valuable negotiating time on how they can spend more of taxpayers’ money on discretionary programs when they should be pushing for an agreement to resolve the spending and debt crisis brought about by entitlement programs. Defunding Obamacare should be their first priority. Congress should cut spending and fix the real debt crisis—out-of-control entitlement spending—before or as part of any increase in the debt ceiling.

Obamacare and out-of-control government spending are holding back our economy and keeping people from jobs. These are two monsters Congress and the President cannot wish away.

Read the Morning Bell and more en español every day at Heritage Libertad.

Quick Hits:

Dear reader this is a great article that you really need to read and understand AND do go to all the referred articles and sites.  What it comes down to of course is that is our fault because We the People allowed  sat on our haunches and blithely allowed this all to take place while we played.    It is still not too late to turn things around and take our country back but it will not be done without pain and without fully understanding what is happening.  This is why I keep passing on these best of the best in my opinion news articles to you so that you understand and can make the right choices and vote for men and women who share your values and need to save America.

The following article is from my favorite site: Heritage.  I read many sources but use the Heritage often because their articles seem to me to be the most informative and concise.  BB

Mon, Sep 23, 2013 at 10:12 AM
Mon, 10:12 AM

Morning Bell: 6 Reasons Why the National Debt Keeps Rising

from The Heritage Foundation to you

6 Reasons Why the National Debt Keeps Rising

09/23/2013

Out-of-control spending by Congress and the Obama Administration has once again maxed out the latest debt limit—a nearly $17 trillion burden that harms job growth, gives special interests a pass, and lowers American families’ personal income.
($17 billion up from $9 billion just in the 5 years since Obama took office!  BB)
Inspired by Dave Ramsey’s recent post “6 Reasons People Stay in Debt,” we compiled six reasons why Members of Congress, the Obama Administration, and others in Washington avoid the path to financial stability in favor of big spending…

Ramsey_debt_300

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1. They want to keep up appearances.

The truth is, ever-growing entitlement programs drive ever-greater government spending. Everyone knows it. Some leaders in both parties have even worked together on first-step solutions agreeable to both sides. Yet rather than risk Warren Buffett’s taxpayer-funded benefits decreasing, politicians pretend America’s national budget can handle all the extensive promises they’ve made over the past several decades.

2. They are unwilling to sacrifice even wasteful spending.

Like a recent guest on “Hannity,” some in Washington will defend even the most ridiculous spending. Yet Congress could eliminate billions in spending tomorrow. Heritage expert Patrick Louis Knudsen, who spent two decades working on the House Budget Committee, recently went line-by-line through the federal budget to find $42 billion in unnecessary, poorly run, and duplicative federal government programs.

3. They fear changing “business as usual” in Washington.

Politicians are masters at playing the game. Because Americans are waking up to the fiscal crisis we are in, today policymakers in both parties use any number of legislative “back doors” to increase the debt ceiling—without looking like they did. CNN reports:

Since it’s a politically tough vote, they occasionally devise clever ways to tacitly approve increases without ever having to publicly record a “yes” vote.

For example, as part of the deal to resolve the 2011 debt ceiling war, Congress approved a plan that let President Obama raise the debt limit three times unless both the House and Senate passed a “joint resolution of disapproval.” Such a measure never materialized. And even if it had, the president could have vetoed it.


4. They’re addicted to stuff.

Policymakers in Washington enjoy a good haircut, lavish conference vacations, and even renovating their bathrooms… all at our expense. How does so much wasteful spending get into the federal budget? Follow the money. When government keeps doling out so much to so many, it’s inevitable thatWashington’s 10,000+ registered lobbyists get in on the bureaucrats’ action—while helping along a few re-election campaigns in the process.

5. They don’t know how to see long-term.

Word has it that the 2013 deficit will be lower than previous years. Let’s not break out the confetti just yet. This short-term change is due in part to massive tax increases signed into law by President Obama. Moreover, this year’s $642 billion deficit adds to the already massive national debt. Nearing $17 trillion, the debt is depressing job growth and opportunity for American families.

6. They lack the courage to lead on spending reform.

Clearly there are real proposals on the table to get the budget under control. Heritage offers Saving the American Dream, a budget framework that wisely resets spending levels back to historical norms. Even with recent legislative action on defunding Obamacare, it is unclear whether Congress will ultimately follow through and fully defund this unfair, unworkable, unaffordable law before its massive new entitlements go into effect.

We can change our current course, support a budget based on real Constitutional priorities, and set free the unlimited genius of Americans to create jobs, wealth, and prosperity. Find out how you can spread the word >>

I have stated again and again that any other president would have been impeached long ago for what this one has gotten away with.   Today Heritage reports on five things that he has done that a egregious sins against the Constitution of the United States and therefore egregious sins against the people of the United States.  Why do we the people put up with this behavior????   BB

 

5 Ways Obama Has Trampled the Constitution09/17/2013

Today, the Constitution turns 226 years old. Let’s not forget it states that the President “shall take Care that the Laws be faithfully executed.”

The Obama Administration has done the opposite, turning the law on its head and ignoring constitutional limitations on its power.

>>> Read the Constitution now

Here are five of the Administration’s largest violations:

1. Changing Obamacare on the fly without congressional action

The Patient Protection and Affordable Care Act requires that businesses employing 50 or more full-time employees must provide health insurance or pay a fine per uncovered employee. The law schedules this mandate to begin in January 2014. Yet the Administration has already announced that it will put this requirement on hold.

Meanwhile, Congress explicitly considered and rejected proposed amendments to Obamacare that would have created a specific allowance for a congressional health insurance subsidy in the exchanges, and indeed, such an exemption is illegal. But the Administration told Members of Congress and their staffers that it would give them a generous taxpayer-funded subsidy just the same.

Obamacare won’t work as written, and the Administration is just seizing power unilaterally to rewrite it.

2. Implementing the DREAM Act by executive fiat 

Congress has repeatedly considered, and rejected, a bill known as the Dream Act that would effectively grant amnesty to many illegal aliens. Yet in June 2012, Department of Homeland Security Secretary Janet Napolitano issued a directive to immigration officials instructing them to defer deportation proceedings against an estimated 1.7 million illegal aliens. Oddly, this happened about a year after President Obama admitted that “the President doesn’t have the authority to simply ignore Congress and say, ‘We’re not going to enforce the laws you’ve passed.’”

3. Making “recess appointments” while the Senate was in session

In January 2012, President Obama made four “recess” appointments to the National Labor Relations Board (NLRB) and Consumer Financial Protection Bureau, claiming that the Senate was not available to confirm those appointees. Yet the Senate was not in recess at that time. The Recess Appointments Clause is not an alternative to Senate confirmation and is supposed to be only a stopgap for times when the Senate is unable to provide advice and consent. Eventually, a three-judge panel of the D.C. Circuit struck down the appointments to the NLRB as unconstitutional.

4. Waiving welfare work requirements

In July 2012, the Department of Health and Human Services gutted the work requirements out of the welfare reform law passed in 1996. It notified states of Secretary Kathleen Sebelius’s “willingness to exercise her waiver authority” so that states may eliminate the work participation requirement of Section 407 of the 1996 reforms. This flatly contradicts the law, which provides that waivers granted under other sections of the law “shall not affect the applicability of section 407 to the State.” Despite this unambiguous language, the Obama Administration continues to flout the law with its “revisionist” interpretation.

5. Encouraging federal contractors to violate the law

The WARN Act requires that federal contractors give 60 days’ notice before a mass layoff or plant closing. Employers who do not give notice are liable for employees’ back pay and benefits as well as additional penalties. With defense-related spending cuts set to start on January 2, 2013, defense contractors should have issued notice by November 2, 2012 (just four days before the presidential election). Yet, the Department of Labor instructed defense contractors not to issue notice for layoffs due to sequestration until after the election—and assured them they would be reimbursed with taxpayer funds for any subsequent liability for violating the law.

One of the Constitution’s strongest features is its simplicity. It doesn’t serve as a laundry list of rights, as many modern constitutions attempt to do. Instead, it lays out a governing framework, divides power among three co-equal branches, and protects Americans from having their rights usurped by an overreaching government.

But for the Constitution to survive the next quarter-century, we need leaders who are dedicated to maintaining it, not stretching it to suit their immediate political needs.

The Chicago gang in the White House at at it again with this move to put off the employer mandate until after the 2014 elections.  You see when employers are forced to give expensive coverage to their full time employees they will do one of two things: 1) cut the employees hours back so they are part time employees or 2) pay the fine to the government which costs much less than the insurance premiums and force their employees to go into the government sponsored so-called “exchanges”  which is just another way of saying Medicare or Medicaid.  Which ever it won’t be good for We the People I promise you.  Insurance rates are going sky high over this abomination that the Democrats and Obama have  pushed onto the American people.  The following articles from Heritage Outlook are interesting reading and explain very well what is ahead for the American public.

Also some more information on how the Immigration Bill passed in the Democrat Senate and now in the Republican House is playing at home while the Congress is on recess.   I can tell you the American public does not like the Senate bill and want the borders secured FIRST.  The Senate bill doesn’t do this.  It does make some funds available to secure the border but then it gives the President and the National Security Secretary Napolitano the option of saying just exactly when the border is secure so that amnesty can begin.  Well guess what People, these two already think the border is already secure!

Note:  Remember when you click on one of the names of authors below to page down to the articles they have written for all the they have written on the subject so that you have all the information you need.   I have featured some of these aerticles as individual blog p[osts but it helps you to see all of them if you have a particular interest in the subjects.  BB

Heritage Hotsheet

Experts on the Day’s Hottest News

Contact An Expert
MEDIA INFORMATION LINE:
Phone: (202) 675-1761 | Email: Broadcast Services

Items for Monday, July 8, 2013

How employer mandate delay wreaks havoc with Obamacare
Washington Examiner

Chris Jacobs
Nina Owcharenko
Alyene Senger

Fireworks back home over immigration reform
McClatchy

Derrick Morgan
James Carafano

Could have seen this one coming:  Chicago and Detroit both Obama strongholds are using Obamacare to help bail them out of their fiscal woes by using Obamacare exchanges to dump theri public sector employeees into the Obamacare exchanges and off of their gold plated health care policies.  Look for more big cities to do the same and dump their profligate spending off on the federal  tax payers to bail them out.  Ironically the public employees of these cities don’t care for what their leaders are planning and just may be the instrument that will finally put an end to Obamacare.  Wouldn’t that be just dandy.  The very unions who put and kept this abomination in office to turn against him and his signature piece of destruction of the American way of life!

Washington has always been a city filled with crooks but never to the extent it has now risen to under Barack Obama with his Chicago style governing.  At this point with any other President doing what Obama has done to our  laws and Constitution  the President would have been thrown out of office by election if not impeached, but  the first Black President and his entire administration and departments have a pass for any thing he wants done.  I hope We the People come to our senses before too much more damage is done.  Obama and his Chicago gangland thugs are responsible for all the scandals now hitting Washington.  and People stay tuned because the Pandora’s Box has just been opened and there are many more to come!   The following article explains just one more.  BB

The Obamacare Big City Bailout

July 6, 2013 at 7:00 am

Newscom

Newscom

Bloomberg reports this week on the latest Obamacare trend sweeping across the country: Cities and states may soon attempt to unload unsustainable health costs on the federal government by dumping employees and retirees onto exchanges.

Both Chicago and Detroit have explored using the exchanges to reduce massive budget shortfalls, and it could set an example for others. Bloomberg quotes one expert from the Rockefeller Institute of Government: “We can expect other cities to pick up on this.… I expect [employee dumping] to mushroom.”

The incentives for cities—or even states—to dump their workers onto exchanges are significant. Bloomberg notes that reducing retiree health costs could save Detroit approximately $150 million per year—at a time when the city faces a $386 million budget deficit and $17 billion in long-term debt.

Of course, these budgetary maneuvers aren’t really “savings”—they merely represent a shift of unsustainable costs from cities and states onto the backs of federal taxpayers. If more individuals than expected—particularly retirees, who are likely to be older and sicker than the population as a whole—require federal exchange subsidies, the cost of Obamacare could rise by trillions. And if cities and even states set an example by dumping their health care obligations on the federal government, private-sector employers could well follow suit.

The spokesman for Chicago mayor Rahm Emanuel called the city’s retiree health system “fiscally unsustainable,” but merely shifting that responsibility to Washington may be about as effective as moving deck chairs on a budgetary Titanic.

Meanwhile, like other Americans losing their coverage due to Obamacare, retirees themselves appear none too keen on getting dumped onto the exchanges. Bloomberg quotes one retired Detroit police officer expressing his outrage:

Imagine if they said tomorrow your Social Security, your Medicare is going away and you’re going on Obamacare.… How would you feel?

Many Americans may soon find out.

The huge Farm Bill was defeated.  80% of the Farm Bill was for Food Stamp spending and only 20% related to farms and farming.  The  Republican led House is now proposing to split the Food Stamp program or SNAPS from the Agriculture Department so that a closer watch can be kept on this outrageous spending.  Of course they were put together in the first place in order for both farm and rural congressmen and Food Stamps which are primarily urban Congressman would vote together to pass these outrageous bills.  This is a favorite  Washington ploy: buying the votes!  Just look at the Immigration Bill and how the Senators loaded it down with pork ( or pay offs) for everyone before it got passed.  Remember the Republican House refusing to pass the first version of the  Hurricane Sandy Bill to help the hurricane victims in the northeast to rebuild because on 30% of the funds allotted were to go to the hurricane victims while the 70% of pork funding in it was for things as unrelated as a new roof for a building in D.C.  Many, including Gov. Christie of New Jersey blamed the Republicans for stopping this outrage and believed that anything  the greedy big spending Democrats wanted was okay as long as something went to the right people.  It is this kind of thinking and this kind of voting that has gotten our country to the brink of bankruptcy!  This is the name of the game in the Farm Bill which the Republican House members voted down and it is the same game being played with the Democrats Senate version of an Immigration Bill.

The following newsletter from heritage has some very good information from various writers on these topics.  Also more information on Obama’s plans for raising all of our energy prices which will not only affect our  electric and gasoline bills but our food and clothi8ng bills as well because all industry requires the use of energy and if energgy costs go up the cost of all goods and services must aslo go up.  Check them out>  BB

Heritage Hotsheet

Experts on the Day’s Hottest News

Contact An Expert
MEDIA INFORMATION LINE:
Phone: (202) 675-1761 | Email: Broadcast Services

Items for Friday, June 28th, 2013


Immigration Bill Riddled With Pork
Breitbart.com

Jim Carafano
Derrick Morgan
Genevieve Wood
Jessica Zuckerman

Family Fact of the Week: What the Record-Low Marriage Rate Means for Americans’ Well-Being
Heritage.org

Jennifer Marshall
Ryan Anderson
John Malcolm

Gay rights clash: Obama, African host are at odds 
AP

Jennifer Marshall
Ryan Anderson 
Charlotte Florance

Abortion tables may turn in Texas on Monday
Politico

Jennifer Marshall
Ryan Anderson
Andrew Walker

House Leaders Consider Splitting Food Stamps From Farm Bill
Bloomberg

Diane Katz
Daren Bakst
Rachel Scheffield

Obama refuses to barter for Edward Snowden
BBC.com

Steven Bucci
Paul Rosenzweig
Ariel Cohen
Peter Brookes
Jim Carafano

 

Latest Heritage Research:


Issue Brief
History Suggests Social Security Insolvency Is Coming Sooner Than Projected

Issue Brief
Energy Production on Federal Lands: Handing Keys Over to the States

Issue Brief
Cost of a Climate Policy: The Economic Impact of Obama’s Climate Action Plan


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