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More Obamacare Stupidity: Insurances Exchanges Can't Charge More for Smokers

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Photo Credit: Fried Dough

The board charged with implementing federal health care reforms in the District has voted to prohibit insurance companies from charging higher premiums to cigarette smokers, adding the city to a handful of states rejecting such surcharges because of the effect they have on poor families who are more likely to smoke.

The D.C. Health Benefit Exchange executive board voted Monday to join Rhode Island, Vermont and Massachusetts in eliminating smoking premiums in their health care exchanges.

Dr. Mohammad N. Akhter, chairman of the city’s health exchange board, said the costs of the surcharge could be prohibitive for poor families. The Affordable Care Act allows states to impose up to a 50 percent surcharge for people who have used tobacco at least four times a week over the last six months.

A June 2012 study by the Institute for Health Policy Solutions estimated that the largest effect would be on older couples whose earnings were at 150 percent of the federal poverty line. If subjected to the maximum surcharge, a couple older than 60 years old who both smoke would face a premium equaling 48 percent of their total income and 143 percent of their income above the poverty level.

“That’s basically unaffordable,” Dr. Akhter said.

An estimated 20.8 percent of D.C. adults smoke regularly, compared to a national median of 21.2 percent, according to 2011 statistics from the Centers for Disease Control and Prevention. But smoking rates among black residents in the District were much higher, at 30.8 percent.

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Democrats Now Hate Obamacare, Too

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Photo Credit: Washington Examiner

President Obama is eager to build public support for his health care overhaul in the few months remaining before its implementation, but waning enthusiasm from Democrats threatens his effort right out of the gate.

Two-thirds of Democrats now believe Obama’s health care reforms will either hurt them personally or have no effect on their daily lives, a Quinnipiac University poll released Thursday shows. In comparison, just 27 percent of Democratic respondents said the reforms would help them.

The president has long struggled to convince independent and Republican-leaning voters that his health care blueprint would lower premiums and expand insurance coverage.

However, an inability to convince his own party that the reforms have merit suggests an even bigger problem for the president ahead of the 2014 implementation.

“Obama is trying to make the next election a referendum on Republicans,” said Democratic strategist Doug Schoen. “But Obamacare will still be a drag on the Democratic ticket. Democrats supported it because Obama was attached to it, but they still have great skepticism about the real impact of the law.”

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It’s Easier to Apply for Green Card than Obamacare

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Photo Credit: Keith Williamson

If you thought nothing could be more tedious than filling out your tax forms, just wait until you try to apply for health insurance through the Affordable Care Act’s new exchanges.

The draft of the paper application is 15 to 21 pages, depending on whether someone is applying individually or for their family. See the Application for Health Insurance

And the instructions for the application run no less than 61 pages. That’s nearly six times longer than the instructions for a green-card application. (There are also videos of the process.)

“If you like IRS forms, you’re going to love this one,” says Ken Hoagland, chairman of Restore America’s Voice, a conservative organization that advocates for the repeal of the health-care law. “These are the kinds of things that are going to drive people crazy.”

Adding to the confusion from this new bureaucracy is that experts say most Americans are still largely in the dark about what the health-insurance exchanges — the new marketplaces for individual insurance stipulated by the health-reform law — even are. Though government officials are hurrying to set them up before open enrollment for 2014 begins this fall, a survey released today by InsuranceQuotes.com found that 90% of U.S. consumers don’t know that the exchanges open Oct. 1, and 22% said they thought the exchanges were already open now.

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Tens of Thousands Obamacare 'Navigators' to be Hired

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Photo Credit: Washington Examiner

Tens of thousands of health care professionals, union workers and community activists hired as “navigators” to help Americans choose Obamacare options starting Oct. 1 could earn $20 an hour or more, according to new regulations issued Wednesday.

The 63-page rule covering navigators, drawn up by the Centers for Medicare & Medicaid Services, also said the government will provide free translators for those not fluent in English — no matter what their native language is.

“The proposed requirements would also include that such entities and individuals provide consumers with information and assistance in the consumer’s preferred language, at no cost to the consumer, which would include oral interpretation of non-English languages and the translation of written documents in non-English languages when necessary to ensure meaningful access,” said the regulations.

The rules also addressed conflict of interest and other potential issues that navigators could face as the public’s first stop on the Obamacare trail.

It is still not clear how many navigators will be required. California, however, provides a hint. It wants 21,000.

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Lawsuit Over Health Care Tax Could Kill ‘Obamacare’

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Photo Credit: The Washington Times

“Obamacare” looks increasingly inevitable, but one lawsuit making its way through the court system could pull the plug on the sweeping federal health care law.

A challenge filed by the Pacific Legal Foundation contends that the Affordable Care Act is unconstitutional because the bill originated in the Senate, not the House. Under the Origination Clause of the Constitution, all bills raising revenue must begin in the House.

The Supreme Court upheld most provisions of the act in June, but Chief Justice John G. Roberts Jr. took pains in the majority opinion to define Obamacare as a federal tax, not a mandate. That was when the Sacramento, Calif.-based foundation’s attorneys had their “aha” moment.

“The court there quite explicitly says, ‘This is not a law passed under the Commerce Clause; this is just a tax,’” foundation attorney Timothy Sandefur said at a Cato Institute forum on legal challenges to the health care act. “Well, then the Origination Clause ought to apply. The courts should not be out there carving in new exceptions to the Origination Clause.”

The Justice Department filed a motion to dismiss the challenge in November, arguing that the high court has considered only eight Origination Clause cases in its history and “has never invalidated an act of Congress on that basis.”

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Report Puts Obamacare’s Cost At $30.8B, 114 Million Paperwork Hours

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Photo Credit: José Goulão

Obamacare has so far cost $30.8 billion and 111.4 million hours to complete paperwork to individuals, healthcare institutions, and small businesses, according to a new report.

The American Action Forum, a Washington-based advocacy group that has long opposed the health law, said 55,742 employees — working 2,000 hours per year — would be needed to process all the red tape associated with Obamacare.

The report cites several examples of excessive costs from each category. In most cases, neither the Department of Health and Human Services nor the Congressional Budget Office has provided cost estimates, the organization said.

In the healthcare market, for instance, the Obamacare rule on “preexisting condition exclusions” is costing institutions $4.9 million and 38,000 paperwork hours, the group said.

Regarding premiums, the organization surveyed healthcare costs in five cities — Atlanta, Austin, Chicago, Phoenix, and Milwaukee. “The results are sobering: young and healthier individuals, including small employers, can expect a 169 percent premium increase, averaged across the five cities,” the report concluded. “Consumers in Milwaukee could experience the greatest sticker shock, with a 190 percent increase in 2014.”

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Video: Bill Maher Complains That His Taxes Are Too High

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Photo Credit: Human Events

The whole exchange began with the high-octane stupidity of MSNBC host Rachel Maddow whining that House Budget Committee chair Paul Ryan’s (R-WI) budget “is a document that says the big problems in America right now are that rich people do not have enough money… They need relief from confiscatory tax rates.”

Because all money is the rightful property of the State, you see. Anything the geniuses in Washington decide to let you keep – rather than seizing and giving to their favorite constituents, or “investing” in debacles like Solyndra – is an “expense.” So is the United States military, the one government program Maddow wants to cut to the bone.

We’ll get back to that business of government “investment” in a moment, but first, savor the irony of hyper-liberal Bill Maher deciding he’s not quite ready to follow Maddow down this particular fork in the Road to Serfdom:

Pointing at Virginia’s former Republican Congressman Tom Davis, Maher said, “You know what? Rich people – I’m sure you’d agree with this – actually do pay the freight in this country.”

“I just saw these statistics,” he continued, “I mean, something like 70 percent. And here in California, I just want to say liberals – you could actually lose me. It’s outrageous what we’re paying – over 50 percent. I’m willing to pay my share, but yeah, it’s ridiculous.”

Watch video here:

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Military Retirees Not Near Bases to Lose TRICARE Prime Oct. 1

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photo credit: 99th rsc pao

The military’s managed-care option — TRICARE Prime — will be ended Oct. 1 for retirees, their family members and for military survivors who reside more than 40 miles from a military treatment facility or from a base closure site, TRICARE Management Activity announced Wednesday.

Most of these 171,400 beneficiaries will need to shift health coverage from Prime to TRICARE Standard, the military’s fee-for-service health insurance option. For beneficiaries who use more than preventive health care during the year, the shift will mean higher out-of-pocket costs.

Defense officials expect the move to save the health care system up to $55 million a year.

The rollback in number of Prime service areas will not impact active duty members or their families living far a military base for tours as recruiters or in other remote assignments. Their health insurance through the separate TRICARE Prime Remote program will not change.

But grown children of members or of retirees who elected coverage under TRICARE Young Adult insurance will, like retirees, lose access to managed care providers under Prime if they reside more than 40 miles from a base.

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Germany Accused of ‘Deporting’ Its Elderly: Rising Numbers Moved to Asia and Eastern Europe Because of Sky-High Care Costs

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German pensioners are being sent to care homes in Eastern Europe and Asia in what has been described as an ‘inhumane deportation’. Rising numbers of the elderly and sick are moved overseas for long-term care because of sky-high costs at home.

Some private healthcare providers are even building homes overseas, while state insurers are also investigating whether they can care for their clients abroad.

Experts describe a time bomb’ of increasing numbers unable to afford the growing costs of retirement homes. And they say the situation should be a warning to Britain, where rising numbers of pensioners are forced to sell their homes to pay for care.

The Sozialverband Deutschland (VdK), a socio-political advisory group, said the fact that many Germans were unable to afford the costs of a retirement home in their own country was a huge ‘alarm signal’.

‘We simply cannot let those people, who built Germany up to be what it is, be deported,’ VdK’s president Ulrike Mascher told The Guardian. ‘It is inhumane.’

Read more from this story HERE.