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The reality is almost nobody is in financial hardships due to this law... People unfortunately don't look at facts. Premiums rose at a lower rate after Obamacare than before, even with this years surge in Obacamare premiums (which wasn't the same as in employer based healthcare which still was rising at lower rates) those were still below initial projections (since it did so well in previous years, most experts predicted costs would catch up). Further over 70% of people who use Obamacare (remember it's purely an exchange for private health insurance, the exchange is the only thing thats public) get subsidized due to their income level meaning their prices are capped and aren't effected by the big increase this year.
The reality is that health care costs and premiums were rising faster before Obamacare and the scenarios nearly every single person has encountered are the same ones people were facing before Obamacare. Mostly employers choosing to pay less or choose worse plans. My workplaces before Obamacare (and those of my relatives) often changes plans and providers, usually resulting in higher costs.
Despite that Obamacare actually has been helping most of us in ways most people didn't bother to learn.
1) Can't reject someone on pre-existing conditions... If you or a family member has a serious condition this is a very important point for you. We *don't* want to go back to the dark ages of this.
2) Health insurance companies are required to spend at least 80% of their premiums on benefits... this doesn't include admin costs. This means they have only a max of 20% for non benefit costs (like admin) and profit. The first year Obamacare passed and beyond this has resulted in refunds from healthcare. Most people don't realize this since their healthcare is provided and partially covered by their employer which got the refunds (which is then up to the Company and employees pressuring their company to pass that savings onto their employees).
3) Minimum requirements... We've safety requirements for things like cars but nothing comparable for health insurance plans. The result is many people had cheap plans that they didn't realize would save them almost no money. Emergencies would hit and they would go into debt for life because of it. Some basic minimums were enforced. These really are the only people directly effected by Obamacare (vs private insurers or employers doing their typical changes) and in the end they are forced to get a plan that will actually protect them.
Repeal Obamacare and all this goes away. The reality is if your premiums went up it wasn't due to Obamacare, it was *far* more likely to have gone up *more* if Obamacare didn't exist. These are facts.
The reality is we needed something far more liberal. The public option was cut and couldn't even get past moderate Democrats at the time (remember our nation is still fairly far to the Right) though would've been good. Also due to the Democrats losing the supermajority after the death of Kennedy additions and modifications couldn't pass because Republicans in Obama's first term broke the record *in our entire history* for filibusters and refused to compromise and work on the healthcare.
Further Obamacare is basically a federal version of Romneycare, a conservative created health care reform. Remember it's all about funneling people to the existing private health insurance companies. It has almost nothing truly liberal in it. Basically Democrats passed the Conservatives own health care reform (that Romney touted when he ran against Obama ironically) and they now demonize it. Yes that mandate was a *conservative* idea that the liberals stole... it was pitched as forcing everyone to be responsible and pay into the system instead of being moochers in the ER (in typical conservative pitching fashion).. Yes the irony is immense.
To answer your specific question, no it won't be repealed before 2017. Trump won't actually go into office until January 20th... Even with that it has little to do with him and everything to do with congress repealing it (they just need Obama out so he doesn't veto the repeal). With that said Democrats could still filibuster the repeal. It's quite likely it will take time before a repeal happens, if it does happen. After the Republicans broke the record filibusters in our entire history in 2008 when Democrats took all three, well let's just say Democrats won't be breaking any precedent if they decide to filibuster the hell out of Obamacare repeal (of course reconciliation might make that irrelevant so it may pass anyways).
Republicans need to beware, they broke all historical norms for obstruction as the minority party. People should be careful when they change the unofficial rules and etiquette.
Democrats passed the ACA via a process known as reconciliation, which avoids the Senate filibuster. Mitch McConnell and Paul Ryan are savvy enough to use the same mechanism to repeal the ACA.
I say this as someone who happens to like the fact that the ACA removed lifetime benefit caps, pre-existing medical condition bans, and whose brother, unable to buy medical insurance due to his financial circumstances, was on the night of November 8th getting his shattered ankle surgically reconstructed thanks to the ACA. If it wasn't for the ACA, he probably would have gotten no more than a plaster cast in the ER, a quick shuffle out the door, and a club foot for the rest of his life.
Been in financial hard times from this law. Is it going away and if so how exactly? And how soon will it be?
is 2017 still going to end on December with it having been another year of buy from the exchange or choose to pay the fine?
Trying to plan ahead. Thanks.
No one knows, but the reality is that the next Healthcare reform NEEDS TO HAVE DOCTOR'S INPUT.
Our current system continues to be run by LAWYERS (research "defensive medicine), BIG PHARMACEUTICALS, and BIG INSURANCE.
It's so disillusioning that I've decided not to pursue Medical School. It is bad.
Doctor's train for 7 to 8 years post undergraduate school and amass up to a half a million of dollars of student loan debt now to have their practice dictated by everything BUT their clinical judgement.
Access to healthcare services is good, but they can really do A LOT to reduce the costs.
They just need to talk to people WORKING the healthcare system.
Millions of decent hard-working Americans pray you are correct !! I never understood the mentality of this board that the basic assumption is that everyone makes such great money that they either have a Cadillac plan through employers (which are few and far between) or make so much that a $10K deductible or $500 a month premium is child's play. Not everyone has a high-paying job over in America!!
I could throw a baseball over 90mph in my 30's-does that mean EVERY male in America under the age of 40 should too?
The reality is almost nobody is in financial hardships due to this law... People unfortunately don't look at facts. Premiums rose at a lower rate after Obamacare than before, even with this years surge in Obacamare premiums (which wasn't the same as in employer based healthcare which still was rising at lower rates) those were still below initial projections (since it did so well in previous years, most experts predicted costs would catch up). Further over 70% of people who use Obamacare (remember it's purely an exchange for private health insurance, the exchange is the only thing thats public) get subsidized due to their income level meaning their prices are capped and aren't effected by the big increase this year.
The reality is that health care costs and premiums were rising faster before Obamacare and the scenarios nearly every single person has encountered are the same ones people were facing before Obamacare. Mostly employers choosing to pay less or choose worse plans. My workplaces before Obamacare (and those of my relatives) often changes plans and providers, usually resulting in higher costs.
Despite that Obamacare actually has been helping most of us in ways most people didn't bother to learn.
1) Can't reject someone on pre-existing conditions... If you or a family member has a serious condition this is a very important point for you. We *don't* want to go back to the dark ages of this.
2) Health insurance companies are required to spend at least 80% of their premiums on benefits... this doesn't include admin costs. This means they have only a max of 20% for non benefit costs (like admin) and profit. The first year Obamacare passed and beyond this has resulted in refunds from healthcare. Most people don't realize this since their healthcare is provided and partially covered by their employer which got the refunds (which is then up to the Company and employees pressuring their company to pass that savings onto their employees).
3) Minimum requirements... We've safety requirements for things like cars but nothing comparable for health insurance plans. The result is many people had cheap plans that they didn't realize would save them almost no money. Emergencies would hit and they would go into debt for life because of it. Some basic minimums were enforced. These really are the only people directly effected by Obamacare (vs private insurers or employers doing their typical changes) and in the end they are forced to get a plan that will actually protect them.
Repeal Obamacare and all this goes away. The reality is if your premiums went up it wasn't due to Obamacare, it was *far* more likely to have gone up *more* if Obamacare didn't exist. These are facts.
The reality is we needed something far more liberal. The public option was cut and couldn't even get past moderate Democrats at the time (remember our nation is still fairly far to the Right) though would've been good. Also due to the Democrats losing the supermajority after the death of Kennedy additions and modifications couldn't pass because Republicans in Obama's first term broke the record *in our entire history* for filibusters and refused to compromise and work on the healthcare.
Further Obamacare is basically a federal version of Romneycare, a conservative created health care reform. Remember it's all about funneling people to the existing private health insurance companies. It has almost nothing truly liberal in it. Basically Democrats passed the Conservatives own health care reform (that Romney touted when he ran against Obama ironically) and they now demonize it. Yes that mandate was a *conservative* idea that the liberals stole... it was pitched as forcing everyone to be responsible and pay into the system instead of being moochers in the ER (in typical conservative pitching fashion).. Yes the irony is immense.
To answer your specific question, no it won't be repealed before 2017. Trump won't actually go into office until January 20th... Even with that it has little to do with him and everything to do with congress repealing it (they just need Obama out so he doesn't veto the repeal). With that said Democrats could still filibuster the repeal. It's quite likely it will take time before a repeal happens, if it does happen. After the Republicans broke the record filibusters in our entire history in 2008 when Democrats took all three, well let's just say Democrats won't be breaking any precedent if they decide to filibuster the hell out of Obamacare repeal (of course reconciliation might make that irrelevant so it may pass anyways).
Republicans need to beware, they broke all historical norms for obstruction as the minority party. People should be careful when they change the unofficial rules and etiquette.
I never understood how so many here are claiming they are going broke from it, or losing a ton of $$ over ACA. How????? All the folks I talked to either had it through work, or had it with a subsidy. I never got how all of a sudden employer plans go from $100 a pay period to $500 a pay period. But even if they did, aren;t most CDers ultra wealthy and successful, considering the way they act towards anyone down on their luck. So at any rate, wouldn't these uber rich folks should be able to withstand a few hundred dollar a month increases?
Or are they just mad that they think access to good health care is a privilege reserved for such superior people like them, and they resent those undeserving, lesser mortals receiving that same privilege.
Or is it they resent their tax dollars helping out the less fortunate, because we all know that hard work is all it takes to be a millionaire, so anyone struggling is automatically a lazy drug-using parasite.
Of course, not a peep from those same people about their spawn's schools being partially funded by the taxes of childless people. Only in 'Murica
Millions of decent hard-working Americans pray you are correct !! I never understood the mentality of this board that the basic assumption is that everyone makes such great money that they either have a Cadillac plan through employers (which are few and far between) or make so much that a $10K deductible or $500 a month premium is child's play. Not everyone has a high-paying job over in America!!
I could throw a baseball over 90mph in my 30's-does that mean EVERY male in America under the age of 40 should too?
The problem is that MANY people actually have to purchase their own insurance. Yet make enough to be disqualified from receiving welfare under the O-care plan to pay for it. O-care has BANNED most affordable health care plans. It used to be possible to purchase "major medical" plans. These plans covered catastrophic costs for major health issues, and were there to prevent bankruptcy should something bad happen to a person. They did not cover "routine maintenance" such as checkups or pills for the sniffles. And these plans used to be reasonably priced, on the order of $100-150 a month for someone in their 40s. Now that these have been banned by O-care, the cost of even the lowest cost plans have skyrocketed, enough to be out of reach of many working people. So now, people that can no longer afford health insurance, are fined for not being able to afford health insurance.
That is what O-care has brought to America.
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