The Pardu

The Pardu
Watchful eyes and ears feed the brain, thus nourishing the brain cells.
Showing posts with label healthcare dot gov. Show all posts
Showing posts with label healthcare dot gov. Show all posts

Tuesday, October 28, 2014

ACA Enrollment Part II : The Good, The Bad, The Redemption!

We will start part with the GOP ACA policy at its worse.

Florida Republicans are the archetypal of blocking the Affordable Care Act; legislative and gubernatorial malpractice at its most Draconian.

Bloomberg Mobile, March 2013 (red highlight added by me)
An estimated 3.35 million of Florida’s 19.1 million residents receive Medicaid this year, according to the legislature’s Office of Economic and Democratic Research.

An expansion under the federal law -- which increases eligibility for a family of four earning as much as $31,800 this year -- would increase that by 1.28 million during the next 10 years, according to a November 2012 report from the Kaiser Commission on Medicaid and the Uninsured, a nonprofit group that researches health care. Obama’s health law, which passed Congress in 2010 without a single Republican vote, may extend insurance over the next decade to about 27 million people who are currently uninsured. The Congressional Budget Office estimates that 8 million more will enroll in Medicaid programs next year because of the expansion. Expansion in Florida would cost the federal government an estimated $66.1 billion during the next 10 years, according to the Kaiser report. The state’s cost during that time would be about $5.36 billion, according to the report.
Read more
How about a broader view with clear concentration of the denied and deprived in the GOP votes belt: The US South? 
The Urban Institute 

The following narrative was borrowed from Robert Reich's The Liberal Curmudgeon web page.
The map above from the Urban Institute shows that millions of poor Americans who would benefit from an expansion of Medicaid under the Affordable Care Act won't get the health care they need. The problem is that they live in states where Republican governors refuse Medicaid expansion. The darker colors represent high concentrations of poor Americans who would be eligible if GOP governors expanded the program. The Urban Institute reports:
In June 2012, the Supreme Court ruling on the Affordable Care Act (ACA) put the decision to expand Medicaid coverage to nonelderly adults with incomes below 138 percent of the federal poverty level (FPL) in the hands of the states. In states that do not expand Medicaid, uninsured adults with incomes between 100 and 138 percent of FPL may qualify for subsidies to purchase coverage through the new Marketplaces. Poor uninsured adults with incomes below the poverty level, however, will not have access to any new coverage options. As of January 2014, 25 states and the District of Columbia had chosen to expand Medicaid coverage under the ACA.1
...Based on current information, an estimated 4.4 million poor uninsured adults will become newly eligible for Medicaid in the 25 states and the District of Columbia that have opted to expand Medicaid; an estimated 5.8 million will not be eligible because they live in one of the 25 states that had not committed to expand Medicaid by January 2014 (state-level estimates are available here). Poor uninsured adults who would be newly eligible for Medicaid under the ACA expansion constitute 24.3 percent of all uninsured adults nationwide, and 21.2 and 27.2 percent, respectively, in the states that are and are not expanding Medicaid...

The ACA website has a one-page guide to the Health Insurance Marketplace. The guide includes critical related to this years enrollment period with useful links and references to deadlines. Information is key. Have you told anyone about the ACA open enrollment?

Embedded image permalink

Don't miss these critical enrollment dates.

Additional resource information

Kaiser Family Health: "Nine in Ten Uninsured Unaware that the Affordable Care Act’s Second Open Enrollment Period Starts in November."

The Urban Institute (pdf docs)


ACA Enrollment: The Good, The Bad, The Redemption!

The Maddow Blog October 21, 2014 
John KasichOhio Gov. John Kasich, who is expected to cruise to reelection this year and then seek the Republican nomination in 2016, recently told the Associated Press that repealing the Affordable Care is “not gonna happen.” “The opposition to it was really either political or ideological,” he said. “I don’t think that holds water against real flesh and blood, and real improvements in people’s lives.”
Now, that we heard from former GOP presidential hopeful, and just before he attempted to back-track the words above let's explore the ACA a bit.

People's Lives

“I don’t think that holds water against real flesh and blood, and real improvements in people’s lives.”


— SEIU (@SEIU) October 27, 2014


The ugly truths about  GOP Policy against the ACA

Now, take a look at the GOP voters bloc map. Oops, correction, take a look at the states that have blocked Medicaid expansion. When GOP legislators and governors deny their constituents the benefits of Medicaid expansion, the only explanation is GOP obstruction. 


Thursday, October 24, 2013

Fox News, And The Latest Oooops!

I have to wonder aloud if Greta Van Sustren and her producers realize the former HHS official would venture into an area that has to be a Fox News taboo.

There is actually no need for additional dialogue.  

Media Matters

Well, just a bit more dialogue.  Comments from the Fox News guest actually reminds of GOP cuts to embassy security expenditures, and year later railing abut Benghazi.  

The interview must have seriously riled many Fox News viewers who did not receive their daily does of "red meat."


Sunday, August 11, 2013

"I Don't Know Enough About Obamacare," Really? Can You Read And Are You Willing To Read?

We read and hear that a majority of people are against the Affordable Care Act.  More accurately, a majority of people are against full implementation of the ACA.  Apparently, there are components of health care reform a majority of Americans accept as a good step forward and there are components the public simply detests (mandates).   

Think Progress (March 2013)
According to a new Kaiser Health tracking poll, a plurality of Americans incorrectly believe the health law cuts Medicare benefits, establishes “death panels,” gives health benefits to undocumented immigrants, and contains a public option. The idea that Obamacare includes a public option is the biggest misconception about it, as 57 percent of respondents asserted that they believed the law has a public health insurance option — compared with just 28 percent who know it doesn’t:
In general, Americans are less likely to be aware that widely popular policies are included in Obamacare, like the provisions that provide tax credits for small businesses and that help make prescription drugs more affordable for seniors. On the other hand, the public is much more likely to be able to attribute the less popular aspects of the law — like the individual mandate that compels every American to purchase insurance — to Obamacare:

The discrepancies are likely because of the ongoing, politicized misinformation campaign that’s been waged against Obamacare. Previous polling has shown that accurate knowledge about the health law tends to be divided along party lines: Democrats know more about what the law actually does than Independents do, and Independents know more than Republicans do. 
It does not take an Albert Einstein, Robert Oppenheimer, Lewis Howard Latimer, nor Thomas Edison to identify major malcontent with healthcare reform and specifically with the Affordable Care Act.  Mandate, mandates, mandates! Mandates are as integral to healthcare reform as gasoline for a combustion non-electric hybrid engine automobile.  Yet, there is another more formidable barrier to consumer acceptance of the ACA: a lack of education and understanding of the law. 

Those who are claiming a lack of knowledge about the benefits of the ACA are falling victim to Right-wing propaganda while providing a platform for advancing the desire of plutocrats who want full control of the US government (e.g. David and Charles Koch).  Plutocrats who have well "greased skids" into state and federal government want the ACA repealed.  In that vain,  how many times has the House of Oz voted to repeal the ACA?  House leaders know the chances of a full repeal are as remote as a black presidential candidate from the GOP.  Yet, money plutocrats expect returns on their dollars and what better way to show performance than, "See we are doing your bidding."

Did I write "lack of knowledge?" In additional to the 40 per cent who claim little to no knowledge of the ACA, significant among the 40 per cent are people who most need the law. The WonkBlog published a piece in in April, that still rings loud and clear.

After the Wonkblog data, take a look at this table.

Then I can only assume it is a good deduction that people who need the ACA most are among the uninformed (WONKBLOG) and many of those are in GOP states. How is it not a gross slack of support for constituents when the GOP is working to replace the ACA with no plans to replace the law?  Also, how can so many people in dire need of healthcare consistently subscribe to GOP social divisiveness (more often than not based in race) and lies about fiscal conservatism? 

Let's visit Healthcare Dot Gov for some answers on the full scope of the Affordable Care Act.

Health coverage for you and your family

The Health Insurance Marketplace will help you get coverage that meets your needs and fits your budget. Open enrollment begins October 1, 2013.

Get ready now by answering a few quick questions to learn if you qualify for lower costs.


Get health insurance for your employees

The Small Business Health Options Program (SHOP) is a new way to buy high-quality health insurance for your employees. It opens for business October 1, 2013. 
Get ready now by answering a few quick questions to learn what you need to know.

All Topics
Published on Jun 6, 2013

The Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. 
Open enrollment starts October 1, 2013 and coverage starts as soon as January 1, 2014. 

Visit to learn more and get ready for the Marketplace.

We accept comments in the spirit of our comment policy: Privacy Policy:

Friday, May 17, 2013

House Votes to Repeal Obamacare. Why? The Answer Looks Bad.

John Boehner says, “We. Will. Repeal.”
The White House says, “It’s. The. Law”

Do you want perspective on why the GOP has spent 15% of its time on insane repeal Obamacare votes?  Could the governing fallacy have to do with steady stream of contribution to Hose Representatives? If you chose to not view the charts below  at least view the Open Secrets links.  The ;picture is stark and will slap you in the face.

First, let's visit a quote from a very intelligent person.

Insanity: doing the same thing over and over again and expecting different results.
Blog Market Watch Dot Com published an interesting piece on the GOP and their insanity regarding the useless Affordable Care Act repeal votes. The John Boehner and White House tweets above are extracted from the piece. 

If you read the TPI piece "The Gallery of Shame" you read about the gun lobbying expenditures and contributions to GOP members of Congress.  The contributions shed light on why each member of the US Senate blocked background check legislation. A few Democrats also voted to block background checks and that link shows they probably voted out of fear as the money did not trickle over to their "open accounts". 

Market Watch used an interesting interactive paragraph to show how the ACA has cut into the earnings (share prices) of top Health care Insurance companies. 


Since there is virtually no chance the Democratic-controlled Senate will pass the legislation — and an even more remote possibility Obama would sign it — the move is more a political ploy.


Since the law was enacted in March 2010, share prices of four of the five major U.S. insurers — Aetna Inc. AET -0.50% , Cigna Corp. CI -1.09% , Humana Inc. HUM -0.19% , and UnitedHealth Group Inc. UNH +0.86% — have nearly doubled in value. The fifth, WellPoint Inc. WLP -1.27% , has gained about 20%. The company has struggled with declining membership enrollment and higher medical costs. Read more on Health Exchange blog.

As is frequently the case, regarding the specific corporations listed, we took the Market Watch paragraph above and sought more insight into money trails and corporate performance under the Affordable Care Act. (ACA) We sought narrative information from Reuters, charts from Yahoo Finance, and political contribution information from Open Secrets.  The Think Progress table below concisely summarizes information  about the Market Watch companies. All sources are link on a per corporation basis.

Despite Market Watch's clear indication that four of the five corporations have suffered "Share Prices" erosion, data from other sources (As delineated above) show stellar revenue performance with an exception for WellPoint. In fact, it may be purely coincidental, but charted indicators below show post Obama Stimulus performance at the level of phenomenal. The Stimulus is not a primary consideration and focus of this piece; the charted data drew attention comparable to an unattended "Benjamin" ($100.00 bill) lying in front of me. 

Aetna Inc.
Open Secrets Dot Org: Link

Aetna said its third-quarter profit had risen to $499.2 million, or $1.47 per share, from $490.4 million, or $1.30 per share, a year earlier.

Excluding tax benefits and other special items, earnings rose to $1.55 per share from $1.40. That was ahead of analysts' average estimate of $1.34, according to Thomson Reuters I/B/E/S.

Last week, larger competitor UnitedHealth Group Inc (UNH.N) also reported earnings above Wall Street expectations.

Aetna's revenue increased to $8.9 billion from $8.4 billion, in line with expectations. The company attributed the rise to higher insurance premiums in its commercial, Medicare and Medicaid businesses.

Aetna added 149,000 new medical members in the quarter to reach its full-year goal of 18.2 million.
 Chart forAetna Inc. (AET)
 Cigna Corp.
Open Secrets Dot Org: Link 

Cigna's first-quarter net income fell to $57 million, or 20 cents per share, from $371 million, or $1.28 per share, a year earlier.
The results included a previously announced $507 million charge for a February deal with Berkshire Hathaway Inc (BRKa.N), which will reinsure two of Cigna's closed annuity reinsurance businesses and remove risk from the company's balance sheet.
Excluding that charge and other items, earnings were $497 million, or $1.72 per share, up from $359 million, or $1.24 per share, a year earlier.
On that basis, analysts were expecting $1.43 per share, according to Thomson Reuters I/B/E/S.
"The beat was driven by stronger-than-expected medical cost management," Oppenheimer & Co analyst Michael Wiederhorn wrote in a research note.
Chart forCigna Corp. (CI)
Humana Inc. 
Open Secrets Dot Org: Link
Humana's first-quarter net income nearly doubled to $473 million, or $2.95 per share, from $248 million, or $1.49 per share, a year earlier.The company said results were 26 cents a share higher than expected because of favorable claims settlements and the delayed cuts to Medicare reimbursement. Excluding those benefits, earnings of $2.69 a share were far higher than the $1.81 that analysts polled by Thomson Reuters I/B/E/S were expecting on that basis.

 Chart forHumana Inc. (HUM)
UnitedHealth Group Inc.
Open Secrets Dot Org: Link 
The company said first-quarter net profit was $1.2 billion, or $1.16 per share, down from $1.4 billion, or $1.31 per share a year earlier.
Analysts on average had been expecting earnings of $1.14 per share, according to Thomson Reuters I/B/E/S.

Investors may have been surprised that the company did not beat earnings by more given that some hospital groups have reported low use of services this quarter, which typically benefits insurers, said Chris Rigg, an analyst at Susquehanna Financial Group. Hospital groups HCA Holdings Inc (HCA.N) and Health Management Associates Inc (HMA.N) both warned that admissions were weak in the first quarter.

"The data points we've gotten from the providers would have suggested a larger beat in the quarter," Rigg said.

The company also lowered its 2013 revenue expectation by $2.5 billion to $122 billion because a major public-sector customer had switched out of a full-risk plan to a self-funded insurance plan. In the latter, the customer pays for its employee healthcare and UnitedHealth administers the plan. UnitedHealth, which provides these services to many large companies, receives lower revenue in that fee-based business.

The switch comes as employers and insurance providers brace for the next wave of implementation of the Affordable Care Act.

"There is an adverse incentive in the Affordable Care Act to move from full-risk insurance to a service, self-insurance type model," Jefferies & Co analyst David Windley said. Moving to a self-funded plan can enable employers to avoid the new insurance premium tax next year, he said.
Chart forUnitedHealth Group Incorporated (UNH)
WellPoint Inc.
 Open Secrets Dot Org: Link
WellPoint reported a profit of $885.2 million, or $2.89 per share, up from $856.5 million, or $2.53 per share, a year earlier. It now expects 2013 net income earnings of at least $7.75 per share.
Chart forWellPoint Inc. (WLP)

Think Progress
“Combined profits for UnitedHealth Group Inc., WellPoint Inc., Aetna Inc., Cigna Corp. and Humana Inc., which cover one-third of the U.S. population, surged 13.5% to $3.4 billion in the second quarter,” they found. “If the trend holds, the five companies will take a record $14 billion in profits in 2011.”

If the healthcare industry continues to experience higher profits and increasing numbers of people  signing-up for coverage, I cannot get my brain around GOP efforts to repeal the ACA.  They factually accept money from big healthcare. In fact,  Rep. Chris Van Hollen (D-MD) has stated the repeal votes are akin to a terrible "Catch-22" for the GOP.  The GOP (Ryan Budget) includes cost analysis and projections based on existing law. The ACA is existing law!  Does the (fallacy laden) Ryan Budget fall part if the ACA is repealed?  Does the GOP care about the impact on their Budget plan if the ACA is non-existent?  I posit the GOP does not care about impact on their budget because their budget is basically "Smoke and Mirrors' (cracked mirrors) in its entirety.
“House Republicans’ budget hypocrisy knows no bounds,” Rep. Chris Van Hollen (D-MD), the Democrats’ leader on budget issues, told TPM. “This Obamacare repeal vote … exposes the mother of all budget gimmicks — the fact that the Republican claim of balancing the budget depends on the savings and revenues from Obamacare. The minute they vote to repeal the law, their budget is out of balance — they can’t have it both ways.”

Martin Bashir and Chrsi Van Hollen

Visit for breaking news, world news, and news about the economy
John Boehner says, “We. Will. Repeal.” I am possibly being a bit feeble minded, but I see nothing in repeal efforts, but unadulterated politics.  The GOP in the House is clearly working to strip the nation of President Obama's key piece of legislation since taking office in 2009. The following link navigates to a Healthcare Dot Gov webpage.  Specifically, you will be navigated to an ACA Timeline.  As I click though the Timeline, even with my liberal bias, I cannot find any reason conservatives would red the items and take exception. Over the last week a few articles have induced cause to pause as I listen to the GOP.  First, healthcare cost increases have slowed moderately. The less rapid increase in cost may not be due to the ACA, but there is little that indicates the ACA may not have some influence. I am not making declarative statements that the ACA has definite impact on the slowed cost increases. Another article related to well documented reductions in the US deficit. The reports are accompanied by bewilderment from many economist who to the person caution about the future. Well, I find that intriguing.  I am not hearing as much caution from economist who have supported the Administration economic strategies and plans since early 2009. In fact, Paul Krugman was very vocal in early 2009 that the Stimulus was not enough   All the while many of those, now amazed, economist continue their 'all is a world of whoa" in the nations. Yet,  another reason to find fault in administration from the Right.   It appears to date all of the obstruction  and all the resistance has simply slowed progressive towards a better society. How can I, if I was inclined, even think to buy into thought the GOP is on the right (excuse the pun) of the "repeal the ACA" activities, waste and shame?