Tag Archives: Obamacare

Open Season?

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I know, I know.  You’ve had it up to here about health care reform.  But, this is important.

We know that the GOP has failed to repeal Obamacare.  We also know that TheDonald will do everything in his power to make it fail- and try to blame that on Obama.  Except any failure will be his fault. But, that’s not the point of this post.  (I will be posting another discussion on this topic in 3 months, when Open Enrollment starts in.)

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Standard Vocabulary?

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You know those claims about tax loopholes? OK. They aren’t claims, they are basically true. The problem is that one person’s loophole is another’s tax preference. After all, those who rent their homes don’t get any assistance, but those who borrow $ 999,999 to pay off their home in 30 years- they get to deduct their mortgages. And, we know that those who rent are generally of lower income than those who have these high mortgages.

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To have or not to have? (Health insurance)

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One of the biggest problems with Obamacare is the the inability to determine what next year’s costs are really going to be. From the big insurers’ point of view, they feel that their inability to know who is (and how many who’s are) going to sign on to the program before they list their proposed premiums. From the small (and newly formed coops) insurers’ point of view it has been the changing rules as to who is responsible for the transfer payments from the lower cost insurance pool to the higher ones.

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The Shell Game?

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As I’ve reported, the health insurers and our employers have been shifting the health cost burden onto the insured over the past few years. And, now, given that many of the poor are on Medicare or subsidized Obamacare (PPACA) programs, it means that it’s pretty much just the the middle class that is feeling the pain of these cost shifts. (It is such a small amount of money to the rich that the change is not truly noticed by them.)

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Costs slow, but it still bad news

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Yesterday, we spoke about how PPACA (Obamacare) has been attenuating the US healthcare cost spiral. Over the past few years, the overall cost growth has dropped dramatically. But, many of us don’t feel the love- because our employers and our insurance companies have been playing the “cost shifting” game. They’ve changed our co-insurance, they’ve raised our deductibles- claiming that when we have ‘skin in the game’, we are more attentive to the costs of our healthcare.

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