Say goodbye to that $500 deductible insurance plan and the $20 co-payment for a doctor’s office visit. They are likely to become luxuries of the past.Is this what you signed on for with Obamacare? You thought you were going to get free health care, didn't you? Remember what Margaret Thatcher said, the problem with socialism is you eventually run out of other people's money.
Get ready to enroll in a program to manage your diabetes. Or prepare for a health screening to determine your odds of developing a costly health condition.
Expect to have your blood pressure checked or a prescription filled at a clinic at your office, rather than by your private doctor.
Then blame — or credit — the so-called Cadillac tax, which penalizes companies that offer high-end health care plans to their employees.
While most of the attention on the Obama administration’s health care law has been on providing coverage to tens of millions of uninsured Americans by 2014, workers with employer-paid health insurance are also beginning to feel the effects. Companies hoping to avoid the tax are beginning to scale back the more generous health benefits they have traditionally offered and to look harder for ways to bring down the overall cost of care...
Proponents of the law say the Cadillac tax is helping bring down costs by making employers pay attention to what their health care costs are likely to be in the long run. “It’s really one of the most significant provisions” in the Affordable Care Act, said Jonathan Gruber, the M.I.T. economist who played an influential role in shaping the law. “It’s focusing employers on cost control, not slashing,” he said.
Cynthia Weidner, an executive at the benefits consultant HighRoads, agreed that the tax appeared to be having the intended effect. “The premise it’s built upon is happening,” she said, adding, “the consumer should continue to expect that their plan is going to be more expensive, and they will have less benefits. ” (emphasis mine--Darren)
Update, 5/29/13: Your quality of care will probably go down under Obamacare:
If you live in California and purchase health insurance on the newly created exchange called Covered California, don't expect care at Cedars-Sinai Medical Center, the prestigious academic hospital in Los Angeles. That top-drawer care won't be covered by exchange plans. Many Californians will have to give up doctors and hospitals they currently use if they want subsidized coverage.Update #2, 5/31/13: California leads the way!
That's one of the truths omitted from last Thursday's fanfare when Covered California unveiled the plans it will offer starting Oct. 1.
Covered California will be the largest exchange in the nation. So the unveiling attracted nationwide interest. ObamaCare boosters declared victory. But the truth gap between what they claimed and what exchange consumers will actually get is wider than San Francisco Bay. Setting the record straight is important, because the problems in California will be repeated elsewhere.
Maine, for example, hasn't officially announced its exchange plans yet, but already consumers are outraged to learn that they too will have to give up their current doctors and hospitals if they enroll on the exchange.
“The rates submitted to Covered California for the 2014 individual market,” the state said in a press release, “ranged from two percent above to 29 percent below the 2013 average premium for small employer plans in California’s most populous regions.”Update #3, 5/31/13: Who could have predicted this? I did, a long time ago!
That’s the sentence that led to all of the triumphant commentary from the left. “This is a home run for consumers in every region of California,” exulted Peter Lee.
Except that Lee was making a misleading comparison. He was comparing apples—the plans that Californians buy today for themselves in a robust individual market—and oranges—the highly regulated plans that small employers purchase for their workers as a group. The difference is critical...
It’s great that Covered California released this early the rates that insurers plan to charge on the exchange, as it gives us an early window into how the exchanges will work in a state that has an unusually competitive and inexpensive individual market for health insurance. But that’s the irony. The full rate report is subtitled “Making the Individual Market in California Affordable.” But Obamacare has actually doubled individual-market premiums in the Golden State.
Obamacare may make people with certain lifestyles pay a very real price.You thought we were joking about being required to eat broccoli. Not so much.
According to new regulations just issued by the Obama Administration, if you smoke, you're overweight, or have high cholesterol or high blood pressure, you could be forced to pay a lot more for health insurance.