***PPACA - The Facts***

• Introduced in the House as the "Service Members Home Ownership Tax Act of 2009" (H.R. 3590) by Charles Rangel (D–NY) on September 17, 2009
• Committee consideration by: Ways and Means
• Passed the House on October 8, 2009 (416–0)
• Passed the Senate as the "Patient Protection and Affordable Care Act" on December 24, 2009 (60–39) with amendment
• House agreed to Senate amendment on March 21, 2010 (219–212)
• Signed into law by President Barack Obama on March 23, 2010

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• Guaranteed issue prohibits insurers from denying coverage to individuals due to pre-existing conditions, and a partial community rating requires insurers to offer the same premium price to all applicants of the same age and geographical location without regard to gender or most pre-existing conditions (excluding tobacco use).[SUP][19][/SUP][SUP][20][/SUP][SUP][21][/SUP]
• Minimum standards for health insurance policies are established.[SUP][22][/SUP][SUP][23][/SUP][SUP][24][/SUP][SUP][25][/SUP][SUP][26][/SUP]
• An individual mandate[SUP][27][/SUP][SUP][28][/SUP] requires all individuals not covered by an employer sponsored health plan, Medicaid, Medicare or other public insurance programs (such as Tricare) to secure an approved private-insurance policy or pay a penalty, unless the applicable individual has a financial hardship or is a member of a recognized religious sect exempted by the Internal Revenue Service.[SUP][29][/SUP] The law includes subsidies to help people with low incomes comply with the mandate.[SUP][30][/SUP]
• Health insurance exchanges will commence operation in every state. Each exchange will serve as an online marketplace where individuals and small businesses can compare policies and buy insurance (with a government subsidy if eligible).[SUP][31][/SUP] In the first year of operation, open enrollment on the exchanges runs from October 1, 2013 to March 31, 2014, and insurance plans purchased by December 15, 2013 will begin coverage on January 1, 2014.[SUP][32][/SUP][SUP][33][/SUP][SUP][34][/SUP][SUP][35][/SUP] In subsequent years, open enrollment will start on October 15 and end on December 7.[SUP][36][/SUP][SUP][37][/SUP][SUP][38][/SUP]
• Low-income individuals and families whose incomes are between 100% and 400% of the federal poverty level will receive federal subsidies on a sliding scale if they purchase insurance via an exchange.[SUP][39][/SUP] Those from 133% to 150% of the poverty level will be subsidized such that their premium costs will be 3% to 4% of income.[SUP][40][/SUP] In 2013, the subsidy would apply for incomes up to $45,960 for an individual or $94,200 for a family of four; consumers can choose to receive their tax credits in advance, and the exchange will send the money directly to the insurer every month.[SUP][41][/SUP] Small businesses will also be eligible for subsidies.[SUP][42][/SUP]
• Medicaid eligibility is expanded to include individuals and families with incomes up to 133% of the federal poverty level, including adults without disabilities and without dependent children.[SUP][43][/SUP] The law also provides for a 5% "income disregard", making the effective income eligibility limit for Medicaid 138% of the poverty level.[SUP][44][/SUP] Furthermore, the State Children's Health Insurance Program (CHIP) enrollment process is simplified.[SUP][43][/SUP] However, in National Federation of Independent Business v. Sebelius, the Supreme Court ruled that states may opt out of the Medicaid expansion, and several have done so.
• Reforms to the Medicare payment system are meant to promote greater efficiency in the healthcare delivery system by restructuring Medicare reimbursements from fee-for-service to bundled payments.[SUP][45][/SUP][SUP][46][/SUP] Under the new payment system, a single payment is paid to a hospital and a physician group for a defined episode of care (such as a hip replacement) rather than individual payments to individual service providers. In addition, the Medicare Part D coverage gap (commonly called the "donut hole") will shrink and be completely closed by January 1, 2020.[SUP][47][/SUP]
• Businesses who employ 50 or more people but do not offer health insurance to their full-time employees will pay a tax penalty if the government has subsidized a full-time employee's healthcare through tax deductions or other means. This is commonly known as the employer mandate.[SUP][48][/SUP][SUP][49][/SUP]

thecoolman said:

Expect about a 50% rate increase over your current plan for something similar. It may also take 6 months or so to get on the website due to the gross incompetence.

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thecoolman said:

"We need to pass it so we can find out whats in it."-Leading liberal loon


you just can't make this shit up!

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schuylaar said:

the only caveat is medicaid.

of the 12 or so states refusing to set-up exchanges and expand their medicaid (fully funded by fed for the next several years)..will still not be able to receive health.

take for example florida..you cannot receive medicaid unless you have a minor child..the expansion will allow for those homeless and low income to finally have health..we have no "state high risk pool" like oregon..our governor will not expand..one small pocket of florida was able to get the job done in 2012..we need to send a message to tallahassee in 2014..

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thecoolman said:

Expect about a 50% rate increase over your current plan for something similar.

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Harrekin said:

You realise Obamacare is a huge obstacle to the idea of Universal Healthcare rather than a stepping stone, right?

Obama sold you out to the insurance companies.

He could EASILY piss down your back and you'd gladly think it was rain.

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Harrekin said:

You realise Obamacare is a huge obstacle to the idea of Universal Healthcare rather than a stepping stone, right?

Obama sold you out to the insurance companies.

He could EASILY piss down your back and you'd gladly think it was rain.

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pSi007 said:

yup...

The IRS will not get their money if there is none to be had. I will go to work under the table like 50% of America will as well. I will work under the table for 50k a year, fuck yeah, I will pay in cash and send it overseas to an offshore account! I will get tax breaks for opening a small business of my own. I will accept only cash and I will pay 15% of my federal income tax by false declaration. I will have so much cover because EVERYONE will be doing it soon, you watch. BE PROUD TO BE AMERICAN! It not our fault our country was stolen from us and the United States Constitution.


Anyway, I would say about 10%-20% of the work done in California is done "tax-free" and under-the-table. Good.. It will get worse, FUCK COMMUNISM.

This is what will happen in Obama's 10-step plan:

1. Small business owners will refuse to give health-care to employees;
the mandate is for 50>, those with less do not have to provide health..post #1
2. employees cant afford ACA on minimum wage,
subsidies are available for low income wage earners..post #1
3. business owners will stop paying all of their federal taxes because they cant afford it,

4. they will charge extra for credit card usage, they will promote dealing in cash,
"they" already do..you've never been to a gas station that charges .20 less per gallon for "cash"?
5. Big Business will send all of the jobs out of this country,
big business already does this cheating millions of americans out of employment
6. nothing will be available besides under-table work,
well then you should be happy..isn't this what you want to do?
7. Gov loses money because millions of people will start working under-the-table.
a)our government and people lose everyday that big business receive incentives to keep "our" jobs oversees
b)our government and people lose everyday when churches and wealthy are allowed to "game" the system through non-profit status' and offshore accounts
c)our government and people lose everyday the shutdown continues because those 800k federal employees' money has now been taken out of circulation and those businesses whose business revolves around federal business their money is out of circulation and will never be replaced
8. financial collapse, the dollar becomes worthless
[video] GIFSoup[/video]
9. financial collapse, gas prices skyrocket, i.e. $10+ per gallon.
gas skyrocket? i just found it for 3.29$/gallon on friday from the previous friday of 3.39$/gallon

10. financial collapse, China buys Amerika cheaply.


...mark my words, Obama is fucking up this country and trying to make it Communist.
your opinion has been cited

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thecoolman said:

"We need to pass it so we can find out whats in it."-Leading liberal loon



you just can't make this shit up!

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ChesusRice said:

If it was so good for the health care companys

Why did they spend a 100 million dollars campaingning against it?

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Doer said:

You just did...well you didn't. Your Perferred Media Outlet, your PMO did. Here is what Ms. Poloisi said. And you will see that 1) you didn't know her name and 2) you don't know the quote. It is Rabid Right bs, you pass, here. 3) Both sides are FUCKED UP. Don't forget.

She said that after it is passed WE can read it away from the controversy. This Big LIE of the Right, currently, is that she said SHE didn't or THEY didn't read it. FALSE.



[video=youtube;hV-05TLiiLU]http://www.youtube.com/watch?v=hV-05TLiiLU[/video]


Of course, the current Big Lie on the Left, is that Sarah Palin said she "..could see Russia from my house."

NO. That was on Sat. Night Live.

So, I for one get lied to and admit it. I get it so wrong and admit it.

We are being lied to. Admit it?

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WASHINGTON - It's called the Affordable Care Act, but President Barack Obama's health care law may turn out to be unaffordable for many low-wage workers, including employees at big chain restaurants, retail stores and hotels.
That might seem strange since the law requires medium-sized and large employers to offer "affordable" coverage or face fines.
But what's reasonable? Because of a wrinkle in the law, companies can meet their legal obligations by offering policies that would be too expensive for many low-wage workers. For the employee, it's like a mirage -- attractive but out of reach.
The company can get off the hook, say corporate consultants and policy experts, but the employee could still face a federal requirement to get health insurance.
Many are expected to remain uninsured, possibly risking fines. That's due to another provision: the law says workers with an offer of "affordable" workplace coverage aren't entitled to new tax credits for private insurance, which could be a better deal for those on the lower rungs of the middle class.
Some supporters of the law are disappointed. It smacks of today's Catch-22 insurance rules.
"Some people may not gain the benefit of affordable employer coverage," acknowledged Ron Pollack, president of Families USA, a liberal advocacy group leading efforts to get uninsured people signed up for coverage next year.
"It is an imperfection in the new law," Pollack added. "The new law is a big step in the right direction, but it is not perfect, and it will require future improvements."
Andy Stern, former president of the Service Employees International Union, the 2-million-member service-sector labor union, called the provision "an avoidance opportunity" for big business. SEIU provided grass-roots support during Obama's long struggle to push the bill through Congress.
The law is complicated, but essentially companies with 50 or more full-time workers are required to offer coverage that meets certain basic standards and costs no more than 9.5 percent of an employee's income. Failure to do so means fines for the employer. (Full-time work is defined as 30 or more hours a week, on average.)
But do the math from the worker's side: For an employee making $21,000 a year, 9.5 percent of their income could mean premiums as high as $1,995 and the insurance would still be considered affordable.
Even a premium of $1,000 -- close to the current average for employee-only coverage -- could be unaffordable for someone stretching earnings in the low $20,000's.
With such a small income, "there is just not any left over for health insurance," said Shannon Demaree, head of actuarial services for the Lockton Benefit Group. "What the government is requiring employers to do isn't really something their low-paid employees want."
Based in Kansas City, Mo., Lockton is an insurance broker and benefits consultant that caters to many medium-sized businesses affected by the health care law. Actuaries like Demaree specialize in cost estimates.
Another thing to keep in mind: premiums wouldn't be the only expense for employees. For a basic plan, they could also face an annual deductible amounting to $3,000 or so, before insurance starts paying.
"If you make $20,000, are you really going to buy that?" asked Tracy Watts, leader of the health care group at Mercer, a major benefits consulting firm.
And low-wage workers making more than about $15,900 won't be eligible for the law's Medicaid expansion, shutting down another possibility for getting covered.
It's not exactly the picture the administration has painted. The president portrays his health care law as economic relief for struggling workers.
"Let's make sure that everybody who is out there working hard and doing the right thing, that they're not going to go bankrupt because they get sick, that they're going to have health care they can count on," Obama said in a Chicago appearance last summer during the presidential campaign. "And we got that done."
White House senior communications advisor Tara McGuinness downplayed concerns. "There has been a lot of conjecture about what people might do or could do, but this hasn't actually happened yet," she said. "The gap between sky-is-falling predictions about the health law and what is happening is very wide."
The administration believes "most businesses want to do right by their employees and will continue to use tax breaks to provide quality coverage to their workers," she added. Health insurance is tax deductible for employers, and the health law provides additional tax breaks to help small businesses.
Virtually all major employers currently offer health insurance, although skimpy policies offered to many low-wage workers may not meet the requirements of the new law. Companies affected have been reluctant to telegraph how they plan to comply.
"It clearly isn't going to be a morale-boosting moment when you redo your health plan to discourage participation," said Stern, the former labor leader, now a senior fellow

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nitro harley said:

Put your lighter down and step away from the bong and be the first one on RIU to say you signed up for health care......I am still looking for someone that signed up...The stoners here at RIU that support the Dems need to set an example....sign up and post it here at RIU....

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