Have We Been Grubered? How Does Medicaid Expansion Affect All of Us?

/home/wpcom/public_html/wp-content/blogs.dir/9b2/29931098/files/2014/12/img_1184-0.jpg I’m not in the medical profession. I’m a CEO of a software company with 40 FTEs concerned about big government and taxes.

A recent article in the NYTs As Medicaid Rolls Swell, Cuts in Payments to Doctors Threaten Access to Care

I’m also concerned about everyone’s welfare, including the uninsured. So pardon my naïveté.

Here’s my take. Hospitals were caring for the uninsured for free. Now they get something, but less each year, but it’s still more than nothing. The argument being with the ACA now they have to contend with more patients who can’t afford healthcare and the end result being it ends up costing hospitals more than nothing because of the increase in the number of people seeking care. Which is a good thing for the uninsured, right?

Unless the ACA a.k.a., Obamacare, a.k.a. Big Government, pulls a sleight of hand, reducing the Medicaid reimbursable to the extent large hospitals will only survive in a single payer system and smaller hospitals and practitioners are the losers forced to join larger institutions if they want to survive. What’s obvious is many talented practitioners get screwed.

On the other hand, I guess what I am suggesting is, it’s not apparent to me or most people, whether the ACA is helping people or hurting people. Certainly I oppose a big government takeover of our healthcare system.

What’s not apparent to me is how we take care of the uninsured/or recently indoctrinated Medicaid patients and still provide the best healthcare system in the world.

Does Anyone Really Want to Deny Anyone Else Healthcare?

20140701-235105-85865890.jpgThis whole mess called Obamacare could have been avoided if common sense prevailed. That said, common sense is in short supply in DC.  DC is full of corrupt politicians.

If the insurance companies were mandated to insure people with pre-existing conditions, people with insurance would pay more. How many people would object to it? Not me. How about you?

Unless,  of course, we  added some competition. If we could shop for insurance  anywhere and we were allowed to save the money we didn’t spend tax free (HSAs and FSAs) without putting ridiculously low limits on savings accounts.

If the government had developed their plan to insure the poor received adequate healthcare and left the private sector to their own devices, would that be untenable? It’s called Medicaid. Single payer, government run healthcare. Instead we have a poorly crafted 20,0000 page law and regs to do that but they wanted more.  No.  They wanted to control private sector healthcare, too.

So they cancelled your policy and taxed you, too.  Check out The Obamacare Report Card.

Why mess with an entire industry for 4 million uninsured? Does anyone want to deny anyone healthcare? Not me. How about you?

The simple solution is to use your vote in the upcoming elections to throw the corrupt politicians out! K.I.S.S. them all goodbye!


Small Businesses in Florida Are HIT by Another Tax

Who's affected?

Who’s affected?

Fellow Floridians.  Here’s some info on the Health Insurance Tax (HIT) and how it will affect “taxpayers.”   When I say taxpayers, I mean middle income people, earning a decent wage, including small businesses, to boot.  

Someone has to pay for Obamacare, the future king of entitlements.  Big business and insurers aren’t going to suffer.  They’re going to pass through.  Any tax burden is going to be on to us, the consumer.  So who’s going to pay for Obamacare?  One way or another, there’s going to getcha….getcha, getcha, getcha… I feel a song coming on!

How does the impact of the Health Insurance Tax (HIT) as part of the Affordable Care Act, affect small businesses and consumers?  HIT will be applied to almost all health insurance policies in Florida beginning in January 2014.

According to the NFIB, a  provision in the Affordable Care Act (ACA) creates a premium tax on all health insurance policies beginning in 2014 called the Health Insurance Tax, or HIT Tax.  This tax will exceed $130 billion nationally in assessments in the first 10 years. It is collected by health insurance companies, but paid entirely by consumers in the fully insured marketplace, where nearly all small-business owners, employees and their families purchase their coverage. This will result in higher insurance costs for nearly all Floridians.

The tax rate is not yet set for 2014 – it is expected to be announced by HHS on or near October 1st. It will be adjusted annually to meet a specific revenue schedule.  Experts predict the actual tax rate will be between 2% and 2.5% of the premium. NFIB estimates that the HIT Tax will collect $114-157 million in Florida in 2014.

This HIT Tax is in addition to the tax that the state of Florida already assesses on health insurance premiums, the state premium tax, which is set at of 1.75% and has been in place in Florida for decades.

The HIT Tax will impact all health insurance policies, except large group self-insured policies.  The HIT Tax will also be levied on Medicare Advantage and Medicaid Managed Care policies.  It is a 100% pass through from insurers to consumers.  Most group health insurance premiums in Florida are paid by both the employer and the employee.

This tax will hit both families and small businesses directly.

Now over 20,000 Reasons to Repeal Obamacare

Reality GapMore broken promises from the Obama Administration.  Surprised?!

Now over 20,000  17,000 pages of regulations, forget the 2,000 plus pages that comprise the law that’s equivalent to the Lord of the Rings Trilogy!  Like fiction HHS just makes stuff up as they go along.

17,000 pages of regulations, Sebelius and the Dept. of Health and Human Services (HHS), making up the rules and regs. as they go along, the tsunami has only just begun…

Here’s a sample, a lawyers dream. ““The final rule does not address all of the insurance exchange provisions of the Patient Protection and Affordable Care Act and additional rules will address those, according to the rule.”

Be afraid!  Wake UP! people!!!

A House Committee on Small Business Republicans quote, “Sec. Sebelius claimed this morning that the health care law (Obamacare) has been “good news” and President Obama claimed that his health care law would decrease premiums by $2,500 in his first term. However, this tells a different story for small business.”

Excerpt from SHOP the Small Business Exchange Option

“Consistent with the scope of the Exchange establishment and eligibility proposed rules, this final rule does not address all of the Exchange provisions in the Affordable Care Act; rather, more details will be provided in forthcoming guidance and future rule making, where appropriate.”

From the 644 page document, Final Rule State Healthcare Exchanges, and how the final rules address small business, capitalism and the entrepreneurial spirit may die.

Keep in mind this is one paragraph of a 664 page document to mandate a final rule on SHOP!

Be afraid!  Be very afraid!!!

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