ObamaCare is HERE!

ObamaCare is here…
The healthcare landscape has changed.

Dave Ramsey’s ELP

As Dave Ramsey’s Endorsed Local Provider (ELP), our goal is to make you aware of these changes.

We have tools available to help answer your questions:

• Do I qualify for a subsidy?
• What would my penalty be if I don’t have health insurance?
• Should I buy a plan now or wait for 2014?
• Should I keep my current plan?

You have more options available now than you will have next year.

MyObamaCareCalculator.com

For an individual / family PRE-OBAMACARE QUOTE, click on your state:

Alabama                             Montana
Alaska                                 Nebraska
Arizona                               Nevada
Arkansas                            New Hampshire
California                            New Jersey
Colorado                            New Mexico
Connecticut                        New York
Delaware                            North Carolina
Florida                                North Dakota
Georgia                              Ohio
Hawaii                                Oklahoma
Idaho                                  Oregon
Illinois                                  Pennsylvania
Indiana                                Rhode Island
Iowa                                   South Carolina
Kansas                                South Dakota
Kentucky                            Tennessee
Louisiana                            Texas
Maine                                 Utah
Maryland                            Vermont
Massachusetts                   Virginia
Michigan                             Washington
Minnesota                          West Virginia
Mississippi                          Wisconsin
Missouri                             Wyoming

Obama-Car

While talking about healthcare reform with my wife, our teenage son started asking questions. We tried to answer him in a way he could understand, but we just weren’t getting through. Health insurance is a foreign language to him. However he is dreaming about which car he will soon purchase. So we introduced ObamaCare to him by way of the Affordable Car Act… a.k.a. Obama-Car:

Obama says his reforms will include additional mandated essential health benefits AND reduce health insurance costs by $2500 per family. That’s simply impossible. That would be like requiring all 2014 cars to be either hybrid or fully electric (more energy efficient), include run-flat tires with electronic low-pressure warnings (better fuel economy), HID headlights (better night vision), GPS (less fuel wasted getting lost), and satellite radio (because it sounds good) at a lower price.

Yes, these OPTIONS are nice if you have the money to pay for them, but they should remain OPTIONS, not REQUIREMENTS.

Instead of a Chevy Cruze starting at $17,000 the new Obama-Car compliant version (such as the Chevy Volt) would be priced around $34,000.

Obama claims these new cars will only be paid in full by the “millionaires and billionaires” because anyone making less than 400% of the poverty level will have some (or all) of their car subsidized by the government.

Now let’s talk about used cars…

Let’s say you like your existing car.  As long as you owned it before March 23, 2010, you would be allowed to keep it. You cannot make any changes to it or it would no longer be “grandfathered” and you would be forced into buying a new Obama-Car next year or pay a penalty.

If it doesn’t get good enough gas mileage or include all the new Obama-Car required Overpriced Bureaucratically Authorized Mandated Add-ons (OBAMA), then you would also be penalized.

Our son is glad Obama-Car doesn’t exist. He can save his own money to purchase any car he chooses… as long as Dad (not Obama) approves of it!

Dislaimer:  This article was never meant to suggest Obama-Car legislation is needed or should ever become law.

Prepare For ObamaCare

Dear Nancy Pelosi,

After 3+ years and 20,000+ pages of additional clarifications…
WE STILL DON’T UNDERSTAND WHAT’S IN IT!

Senate Minority Leader Mitch McConnell (R-KY) points up at ObamaCare

Washington’s version of “competing”

How would you like to “compete” against a team where the referee was allowed to make any rule change they wanted…
AND HE WAS ON THE OTHER TEAM?

Welcome to Obamacare 2009!

Obamacare stacking the deck against private health insurance

Once again, it takes Paul Ryan to weed through the rhetoric and speak the truth about what’s happening in Washington.

Paul Ryan talks healthcare on CNBC

How can we pay for this? CBO predicts Obamacare will cost nearly $1.6 trillion over the next 10 years! It seems fiscal responsibility isn’t nearly as important as taking over the healthcare industry.

The Washington Post has a poll out that states that the president’s approval rate on healthcare has shrunk to less than 50%. As more people see past the “keep your current plan” rhetoric and read the actual legislation, they are seeing the overall goal of Obamacare… socialized medicine.

If you don’t like your current health insurance plan, you can change insurance companies. If you don’t like your rates, you can choose different benefits and deductibles. Once the private insurance companies are out of the way, what options will we have for inadequate healthcare? NONE!

It is refreshing to hear Paul Ryan shedding light on the overall goal of Obamacare. Why doesn’t congress simply ask Americans if they want socialized medicine? Why can’t the discussions be focused on the merits private pay versus public pay? If socialized medicine is so good for our country, then just say so and let America vote on it. But instead, we get the usual Washington double speak about how the goal here is to compete and drive down costs with competition.

Thanks Paul for speaking the truth!

16 pages into Obamacare bill… individual private medical insurance will be ILLEGAL!

So the Prez says we can keep our current private health insurance plan as long as we choose to. But what does the bill say?

IT’S NOT AN OPTION!

It's Not An Option

 

www.ibdeditorials.com

Those of us that are self employed and have enjoyed the low cost options that individual health plans can offer will be forced into Obamacare whether or not we want to.

This is NOT a plan to compete with private health insurance plans, it’s a plan to ELIMINATE THEM!

Luckily Rep. Kevin Brady (R-TX) and GOP members of Congress’ Joint Economic Committee have released the following chart explaining how the House Majority’s health care plan is structured.

Obamacare simplified

Now it all makes sense!

The scariest part about this complicated scheme is that they want to vote on it as early as next week! 

Sign the “Free Our Healthcare Now” petition

Paul Ryan speaks on the radio about spending, debt, and healthcare reform

www.house.gov/ryan/audio/111th/71509jws.htm 

The big lie…. keeping your current private healthcare plan in the new Obamacare system! 

The current Medicare / Medicaid system underpays physicians by 20% and hospitals by 30% which is offset by charging more to private insurance plans. If more people are transferred to a new public plan, then the cost of private care will be increased dramatically. This will not allow real competition. This will in fairly short order eliminate all private health plans.

Reconciliation rules don’t allow filibuster in the Senate.  The votes are already there.  The actual 1000+ page bill was just released last night, yet congress is to vote on it next month.

WAKE UP AMERICA!

For more information visit www.heritage.org/LeadershipForAmerica/health-care.cfm

Remember to contact your representatives before it’s too late!

Who are the uninsured?

Why does the most prosperous country in history seem to have a problem covering nearly 50 million citizens with health insurance? Other countries are spending much less than we spend, yet they cover all their citizens. Maybe we should switch to a government ran system like so many other countries. They seem to have better medical outcomes at a lower cost.

According to everything we hear today, the best solution is being worked on in Washington this past week… socialized medicine.

Today we are going to discuss the millions of uninsured Americans. Do we truly have a health care access problem, or is it a priority problem?

Stuart Browning of www.freemarketcure.com has a series of thought provoking videos that seem to reject the Washington wisdom we are being force fed today:

It’s sad that 17 million Americans that are making over $50,000 per year CHOOSE not to purchase health insurance. 18 million “young invincibles” CHOOSE to spend over 4 times as much on alcohol, tobacco, entertainment, and dining out as they spend on health care. Sounds like a priority problem to me!

If Americans knew about the lower cost health insurance plans that cover major medical expenses such as the Health Savings Account (HSA) qualified plans we recommend, they would no longer be uninsured. They would also be eligible for the PPO network discounts for services they receive even before they meet their deductible. Statistics have shown that over 30% of the individuals covered by HSA qualified plans were previously uninsured.

Since so many people are uninsured and are receiving “charity care” it artificially increases the cost of health care.

Obviously Washington is going to attempt to correct this issue. What if they were to require Americans to purchase a basic level of health insurance? How about helping states fund their guaranteed issue plans to make them more affordable and offer better benefits? Then the amount of “charity care” would be reduced tremendously and we could actually see cost reductions for health care. Many of these initiatives were outlined recently by Grace-Marie Turner of the Galen Institute:

Healthcare: What Can Americans and Europeans Learn from Each Other, and What Changes Are Needed?

And would somebody PLEASE explain to me why our tax dollars need to be paying for illegal alien “charity care”!

Scott Borden
www.myHSAguy.com