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Tag Archives: health insurance

Trumpcare may prove there really is a sucker born every minute

13 Monday Mar 2017

Posted by willykay in Uncategorized

≈ Leave a comment

Tags

AHCA, American Health Care Act, Donald Trump, health care, health insurance, Trumpcare

I took the graphic below from Talking Points Memo where it is put forward with the following warning: “Please don’t share this image far and wide because then people would know all of President Trump’s broken promises about health insurance for millions of people.” I’m assuming that this is a tongue-in-cheek invitation to share the image far and wide, so I’m taking advantage of TPM’s work to make the point about how dim-witted our truth-challenged President thinks his supporters are. And, sadly, he may be right

What Trump promised:

Trumplies.jpg

What Trumpcare delivers:

  1. Current estimates are that 10-15 million people will lose healthcare if Trumpcare is passed in its present  form – which is why Republicans are trying to rush it through Congress before the Congressional Budget Office delivers the official score.*
  2. According to the Kaiser Foundation, Trumpcare would give those in the individual market on average $1,700 less help with premiums in 2020, compared to the ACA’s premium tax credits.
  3. The Center for Budget and Policy Priorities (CBPP) notes that this this projected loss would vary by state – from a high of over $10,000 in Alaska to about $49 in Indiana. In Missouri, tax credits would decrease assistance to consumers by $2,312 a year.
  4. Hardest hit would be older and lower-income consumers.
  5. Low-income consumers would also lose help with deductibles and other out-of-pocket costs.
  6. The CBPP also notes that because the tax credits that are proposed to take the place of Obamacare subsidies are so demonstrably insufficient, they would help destabilize the individual market and possibly destroy it completely – so no insurance for folks not insured by employers, Medicare and the scanty Medicaid that will remain after Trumpcare reins in the expansion.
  7. The consumers who will be hit the largest are by-and-large an important part of Trump’s die-hard supporters. Greg Sargent pulled the following statistics about where the Trumpcare impact would land hardest out of a chart published in the New York Times:
    • Those who stand to lose more than $7,500 in subsidies went for Trump by 58-39.
    • Those who stand to lose between $5,000 and $7,500 went for Trump by 60-35.
    • Those who stand to lose between $2,500 and $5,000 went for Trump by 49-45.
    • Those who stand to lose between $1,000 and $2,500 went for Trump by 46-46.
  8. By cutting the tax on those making more than $200,000, which was used to shore up Medicare, Trumpcare will deplete Medicare resources much sooner than would have otherwise been the case.

And this is only a partial catalogue of the potential problems with this dismally amateurish  effort at healthcare policy.

So what does Trump – the man who gave us the “bigly health insurance promises” enumerated above – have to say about this plan? He thinks it’s “wonderful.”

Holy Sweet Jesus! This man is our president. For the next four years. Unless he screws up with the corruption and foreign influence scandals to the point that even the GOP congress has to hit the impeachment button. And given how compliant they currently are, that would have to be a whole crap load of corruption.

UPDATE:  CBO scoring just released today. lt’s really bad. How bad? Here’s a summary of the numbers from  the Washington Post. GOPers reacting with dum-dum denial or slick misdirection – saying things like Trumpcare will increase “access” to healthcare. You can do you know what with “access” to health care coverage I can’t afford to purchase – I need to be covered so I can get “access” to medical care.

Death count rises when Trump’s reality show comes to town

08 Thursday Dec 2016

Posted by willykay in Uncategorized

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Tags

ACA, Donald Trump, health insurance, missouri, Mortality rates, Obamacare, republicans

Looks like Donald Trump is planning a really yuuuge inauguration victory lap at his January 20th inauguration. Helicopter landings, maybe a 5th ave. parade. The usual unreal reality TV shtick. Lots of noise, spectacle and fake sentiment, all presided over, I presume, by a smirking Donald Trump, showing all the glad-handing aplomb of the stereotypical used car salesman.

For many of us, though, it will be a day of mourning. As in flags at half-mast and black arm bands. We’ll be mourning the coming death of our country as the Great Kleptocrat sells it off and debases the principles we grew up believing to be immutable. On a smaller,  more immediate level, it will also usher in the era of the funeral march as people who lose Obamacare die unnecessarily.

Trump has promised to undo Obamacare on day one, and the GOP congress would like nothing better – although they are currently a little confused about how to go about doing it it without taking the blame when it’s all gone. If they succeed, lots of people will lose their newly acquired access to good health care – and, no, emergency rooms are no substitute. As a result, many people who could be treated will die. Think Progress reports on the Urban Institute’s estimate of the preventable deaths that will result if Trump and his Republican congressional tag team perform as promised:

In fairness, 36,000 is a high estimate of the number of deaths that will result if Obamacare is repealed, as there is some uncertainty about how congressional Republicans will repeal the law. Even in the best case scenario, however, a wholesale repeal of Obamacare may cause about 27,000 people to die every year who otherwise would have lived.

How do those numbers impact Missouri? The estimate is based on a metric that indicates that for each 830 people who lose their insurance, one per year will die as a result. If Obamacare is repealed in toto, 217,000 Missourians will lose the insurance they have purchased through the healthcare.gov exchanges, and an additional 5,000 young adults who are now on their parents plan could lose their coverage. That’s 220,000 individuals in Missouri who stand to lose their insurance coverage. Many, probably most, of these people will be unable to afford insurance without the subsidies that Obamacare offers. Consequently, the number of preventable deaths in Missouri owing to the Obamacare repeal could conceivably range from a high of 265 a year, if all those who lose coverage remain without insurance, to 132 a year if at least half are able to purchase insurance in the individual marketplace on their own – where, without the oversight mandated by Obamacare, premiums will likely skyrocket.

By my lights this makes Trump and his bully boys murderers. There’s no real reason to repeal Obamacare. It works. With a few adjustments, it would work even better. The repeal fervor has never amounted to anything more than spite and partisanship harnessed to drive a successful propaganda war among the ill-informed GOP base – with, perhaps, a hat-tip to the kill-all-social-spending mantra of folks like the Kochs who bankroll the GOP. Recent polling indicates that even Republicans are wavering in their zeal to undo Obamacare. To deprive citizens of healthcare and, potentially, even life on the basis of mean-minded stupidity is reprehensible and deserves to be called what it is: murder.

Of course, this is nothing new, using the same metric, the Missouri Republican party is responsible for the deaths of about 353 Missourians for every year that they have refused to expand Medicaid under Obamacare. A group of ideologues and dim-wits denied health care access to roughly 293,000 individuals. Of that quarter million plus Missourians, hundreds died and continue to die as a result.

Anyone who voted Republican in the last election will share the  guilt, not that they’ll likely care. They’ve finally got the president they want – as well as the president they deserve. Unfortunately, those of us  who deserve much better are stuck with the really yuuge and ugly reality show that stretches ahead.

Rep. Vicky Hartzler (r): the Obamacare web site must be working

09 Monday Dec 2013

Posted by Michael Bersin in Uncategorized

≈ Leave a comment

Tags

4th Congressional District, ACA, health insurance, missouri, Obamacare, Twitter, Vicky Hartzler

Heh.

Yesterday, via Twitter:

Rep. Vicky Hartzler ‏@RepHartzler

Just signed up for ObamaCare. Ugh! ‘Only’ a 68% increase! So much for the ‘Affordable’ Care Act! 11:43 AM – 7 Dec 13

Interesting. No mention of her experience navigating the web site.

And, as is becoming the norm these days, there were a number of responses:

carl klopfenstine ‏@Carl23b4

@RepHartzler Had some really cheap shit before Huh?Can’t afford it get Medicaid Expansion in Missouri 11:48 AM – 7 Dec 13

That was within five minutes.

Steven McCain ‏@Steven_McCain

@RepHartzler Hope you socked away some of that $536,000 in farm subsidies! 11:50 AM – 7 Dec 13

That one was within seven minutes.

Bob Yates ‏@OldDrum

@RepHartzler Share with us your previous plan what it covered to your new plan. You are aware the GOP made you signup for Obamacare? 2:29 PM – 8 Dec 13

Yes, we would like to have a comparison of the previous plan with the new one. And the employer contribution, if any, for each.

That signup requirement would be Senator Chuck Grassley’s (r) idea:

Why Congress is (or isn’t) exempt from Obamacare

Gregory Korte, USA TODAY 6:44 p.m. EDT September 27, 2013

….Members of Congress are treated differently under Obamacare, but they’re not exempt. In fact, by forcing them to purchase health insurance through publicly run exchanges, they’re impacted more by that key provision than similar employees in private sector – or even in government.

But members of Congress will also be able to purchase their insurance under terms that are more favorable than other employees – in government or in business – who have access to employer-provided health care…

….During the 2010 debate over the Affordable Care Act, Sen. Chuck Grassley, R-Iowa, proposed an amendment requiring members of Congress and their staffs to purchase health insurance though state exchanges. Democrats, viewing the amendment as a political stunt, co-opted the idea as their own and inserted it into the bill…..

The ACA “trainwreck” — my employer-provided healthcare

26 Thursday Sep 2013

Posted by Michael Bersin in Uncategorized

≈ Leave a comment

Tags

4th Congressional District, ACA, health insurance, missouri, Obamacare, Vicky Hartzler

( – promoted by Michael Bersin)

As anyone who watches Fox News, the Affordable Care Act, Obamacare, is going to be a train wreck. Hartzler tweeted the following:

My hat’s off to Sen. Ted Cruz & Senate Republicans highlighting how ObamaCare is a train wreck hurting hardworking Americans & killing jobs.

On Monday, I received the following e-mail from the HR department at the university I teach.

On Sept 20, 2014, [the] Board of Governors voted to go with our existing health care provider Blue Cross/Blue Shield.  Overall premium increase to the plan this year is 1.6%.  Remarkable given that 1% of that increase is attributed to the implementation of the Affordable Care Act.  Individual and family plan increases will range from 1.47% to 2% depending on the option selected.

A 1% increase is due to Obamacare.  Terrible.

That raised an interesting question: what have been the increases for the last several years?

I asked.  Do you want to guess?

Here is the response I got back:

The increase for 2012 was 5.1%, for 2013 was 4.65% and as . . . mentioned [in the previous e-mail] it will be an overall of 1.6% for 2014.

What a train wreck!!!!

After 5.1% and 4.65% increases, Obamacare results in a 1.5% increase.

Obviously we are on the road to perdition.

What is happening with your employer-provided healthcare?

We’re famous … or is that infamous

31 Saturday Aug 2013

Posted by Michael Bersin in Uncategorized

≈ Leave a comment

Tags

gun control, health insurance, missouri, Obamacare

By “we” I mean Missouri. And if you want to see what the insane clown posse that runs the statehouse has done to our reputation, check out this front page article on DailyKos. What’ll you find there? Remember Bill Clinton’s recent quip about states where it’s easier to get a gun than to get health insurance? Here’s proof that our legislators think that’s the way it’s supposed to be.

Image

blunt nips the bud

21 Sunday Jul 2013

Tags

Affordable Healthcare Act, health insurance, healthcare, healthcare reform, Missouri Senator, Obamacare, Republican Politics, Roy Blunt, Senator Blunt, Senator Roy Blunt, U.S. Senate

Posted by Michael Bersin | Filed under Uncategorized

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Here's the problem, Willard

10 Tuesday Jan 2012

Posted by Michael Bersin in Uncategorized

≈ 1 Comment

Tags

gaffe, health insurance, Mitt Romney, you're fired

The putative republican nominee (according to the inside the beltway free cocktail weenie circuit), yesterday:

Mitt Romney (r): ….It also means that if you don’t like what they do you can fire them. I like being able to fire people that provide services to me. If, if, if I, you know, if someone doesn’t give me the good service I need I want to, I want to say, you know, that, that, I’m gonna go get somebody else to provide that service to me. And, and so that’s one thing I’d change….

It was about health insurance:

Posted at 03:13 PM ET, 01/09/2012

Romney: ‘I like being able to fire people who provide services to me’

By Philip Rucker

….Romney’s comment came in response to a question about health-care policy before more than 300 area business leaders. The former Massachusetts governor was referring to being able to change insurance companies….

Mitt Romney (r) caught a lot of flack for his statement. Here’s the real problem with it:

More Choices, Better Coverage: Health Insurance Reform for Rural America [pdf]

….And in many rural states, one insurance company dominates more than 80 percent of the market, meaning that families are often limited to a choice between only one or two insurers. As a result, some rural residents are unable to purchase a health insurance plan that is right for them….

[footnote] American Medical Association. (2008,2009). “Competition in health insurance: A comprehensive study of U.S. Markets: 2008 Update,” American Medical Association.

“….If, if, if I, you know, if someone doesn’t give me the good service I need I want to, I want to say, you know, that, that, I’m gonna go get somebody else to provide that service to me….”

Who do you “fire” when you only have one choice? A multimillionaire with the resources, the ability to travel, and multiple homes across the country would have plenty of choices. Those with far fewer resources, not so much.

It’s not a really difficult trick to understand that difference.

Then again, if a corporation is a person one could suppose it could be “fired”.

Dying for Health Insurance

15 Tuesday Apr 2008

Posted by Michael Bersin in Uncategorized

≈ 1 Comment

Tags

deaths in Missouri, Families USA, health insurance

In 2006, twice as many people died from lack of health insurance as died from homicide. The Springfield News-Leader put a human face on that statistic in an article about how many Missourians die each year because they lack health insurance:

The crisis of the uninsured is a personal one for Angela Ricketts. Her father died at age 57 from small cell non-Hodgkins lymphoma years ago, despite early symptoms that something was wrong.

Virgil Brown had put off seeing a doctor and undergoing tests because, as a self-employed home builder in Springfield, he couldn’t afford health insurance, Ricketts said.

One week after Brown’s wife got health insurance for both of them, he sought medical treatment for his worsening symptoms. By then, Ricketts said, “The mass was so large there was nothing they could do and gave him two months to live.”

That’s one life among thousands in Missouri every year that are cut short because they don’t have health insurance, said Ron Pollack, executive director of Families USA.

Nearly 10 working-age adults in Missouri die each week because they don’t have health insurance, according to a new report by Families USA, a national organization for health care consumers. The report was released Wednesday.

Ten a week, huh? What that works out to in our state is that 2800 died unnecessarily between 2000 and 2006.

Maybe Missourians should quit bitching and be grateful they don’t live in Texas, where seven working-age people die each day due to a lack of health insurance. I thought our state was at the bottom of the heap in everything. Turns out, it could be worse.

It’s been so bad for so long that many Americans can’t–or won’t–imagine it any other way. I talked Sunday to a Republican woman whose grown daughter, Christi, works for a small firm that won’t give her health insurance. Christi needs an operation on her shoulder, and I pointed out that even if she switches jobs and gets insurance, she’ll have trouble getting that covered. Insurance companies will call her problem a pre-existing condition.

But when I suggested to Paula that not only do employees need insurance, but also that employers need to be relieved of the burden of providing insurance, I was treated to a rant about the inefficiency of all government programs and what a nightmare government health insurance would be. “I don’t care if it is my daughter who has trouble getting covered,” she told me. “I can’t condone letting the government waste all our tax money.”

I could have pointed out how successful Medicare has been and how much better Medicare would function if it could draw on the pool of younger, healthier Americans to offset the cost of treating older ones. I could have pointed out that insurance companies, because they must have profits, are far more costly than Medicare.

But mere logic would have been wasted. If Paula can’t see that insurance companies are ripping her off by taking only the healthiest applicants, then she’d have to find her daughter’s very life threatened before she’d relent. And since Christi is my niece, I can’t wish for that.

All I can wish for is that enough of us have seen the light about how awful the health care crisis is that we can overrule people like my sister, who are too thoroughly propagandized to see their own best interests.

Thank you to those who are expending tireless effort in that quest. MOSP (Missourians for Single Payer) is sponsoring several events this weekend. The highlight of the weekend will be a speech Sunday morning, April 20th, at 11:00 by Donna Smith, who was featured in Sicko.

Or maybe Smith isn’t the highlight. You can read the schedule and decide for yourself what looks the most interesting:

Schedule of key events for Health Care Weekend are as follows:

Thursday, April 17, 11 a.m. to Noon, KWMU’s ” St. Louis on the Air” will feature Donna and Larry Smith, a couple highlighted in the 2007 documentary, SiCKO. She is the main speaker for Health Care Weekend.

Saturday, April 19, 11 a.m. – 1 p.m. A street theater group will march in protest of deaths directly related to the nation’s broken health care system.

At 7:30 p.m. the Smiths will introduce a free public showing of SiCKO in the auditorium of the Ethical Society, 9001 Clayton Blvd. in Ladue.

Sunday, April 20, 11 a.m., Donna Smith, will give the Annual Platform Lecture on Health Care, also at the society.

SPEAKING OF FRAMING

13 Monday Aug 2007

Posted by Michael Bersin in Uncategorized

≈ 2 Comments

Tags

framing, health insurance, insurance industry jargon

( – promoted by hotflash)

Speaking of FRAMING, a pet peeve of ours is the general inability to de-couple the terms “health care” and “insurance coverage” when thinking about health care reform.  We would also be better served to stop thinking in terms of premiums and claims.  It is a good idea to start thinking about health care as necessary to a common good.  Maybe even a human right.

The insurance model with which we have struggled for the last umpteen years is filled with words like deductible, co-pay, preexisting condition, and eligibility.  All of these ideas, that we hold so closely in our conscious thoughts regarding health care, are nothing more than accepted (or more appropriately, unconscious) signals for additional out of pocket payments.  We shy away from “higher premium packages” accepting the responsibility of paying higher “co-pays and deductibles”, hoping to beat the odds. We “insure” ourselves against illness rather than committing to building a healthier society. We have been conditioned to think of health care in insurance-ese rather than in terms of care needs.  In short, we are prisoners of insurance industry framing. 

We would like to recommend a jailbreak.  Once safely on the outside, we could think in terms of “programs” instead of  “packages”, “wellness” rather than  “illness” and “needs ” as opposed to “allowable services”.  We could laugh in the faces of those who dourly offer the incantation of “Socialized Medicine” and call it “Freedom to be Healthy” instead.  We could stop worrying about how much “we” are paying to fund health care for Tom and Harry and instead look upon a healthier society as a shared goal which is necessary for a strong national defense. 

The jailbreak won’t come easily.  We will have to discard “preexisting” notions, “disallow” prior prejudices and rule “ineligible” insurance industry jargon. We will need to develop new framing ideas that underscore our dedication to health care reform.  If we should falter along the way, we need only recall the lost opportunity to reframe the Iraqi “War” as the Iraqi “Occupation”, thereby endowing  GWB with the ability to control the debate by stating , “We’re at war”!  Change comes one frame at a time. Lets start reframing this debate.

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