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Forum tries to give answers to health care questions

November 21, 2013

MARSHALL — By now, many Minnesotans already know there are some big changes on the horizon for their health care insurance coverage....

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(65)

sumyounguy

Nov-21-13 12:17 PM

"If you like your insurance you can keep it, period." He needed to add: I really mean it, honestly, I'm not kidding or misleading you just to get your support to pass the law so you can find out what's in it.

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OIIOHH

Nov-21-13 1:53 PM

STEER CLEAR of any website, such as MNsure, that communicates with the federal system!

From ABC News, Nov. 19th: “Cyber security experts told Congress today that the Obama administration should take Healthcare.gov offline until privacy vulnerabilities are addressed and detection capabilities are improved.”

From CBS News, Nov. 4th: “The final, required top-to-bottom security tests never got done…the government took an unusual step. It granted itself a waiver to launch the website with "a level of uncertainty ... deemed as a high (security) risk."

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hartman75

Nov-21-13 3:17 PM

As reported on MPR, Oct. 21, 2013

"Todd-Malmlov said Minnesota's online insurance marketplace operates separately from the federal exchange." "We don't have any interaction with that at all..."

As OIIOHH comments prove, fear and ignorance leads to the spreading of lies even when the truth is easily found.

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hartman75

Nov-21-13 3:47 PM

Throughout history, politicians including Presidents have made promises relating to issues for which they have little control. How could Obama have known the sheer volume of insurance plans that failed to meet even the minimum standards established by the ACA? For decades, insurance companies have been earning millions, if not billions, by selling cheap ineffective policies to healthy people and not selling any policies to sick people. Minimum standards set by the ACA forced many insurance companies to change their health plans which means that eventually most individuals will likely loose their existing plans anyway. No longer can insurance companies discriminate against individuals with preexisting conditions. That is the reform part. It was supposed to change how our existing dysfunctional individual insurance marketplace works by adequately insuring everyone, even those with preexisting conditions.

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OIIOHH

Nov-21-13 3:48 PM

As this article CLEARLY states: “…MNsure still depends on information from the federal government to make the site work.” How do you think MNsure obtains this information? By passing your personal identification data to various federal agencies. If you think Health and Human Services is properly protecting your identity, you’re a sucker just like the people who thought they were going to keep their current insurance, just like those who thought they were going to save $2,500 annually on their premium, and just like those who thought the NSA would never collect data on private citizens.

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OIIOHH

Nov-21-13 4:46 PM

“How could Obama have known the sheer volume of insurance plans that failed to meet even the minimum standards established by the ACA?”

WHAT??? Wasn’t this the ENTIRE reason for passing the ACA? Oh wait, we’ll never really know why Owe’Bummer signed the ACA, because HE certainly never read it – and Harry Reid never read it, and Lord knows, Nancy Pelosi sure as heck never read it.

HILARIOUS!!

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hartman75

Nov-21-13 4:48 PM

You're right OIIOHH, its darn near impossible to maintain that hard-fast Tea Party conservative ideology if you start allowing facts to sway your opinion. Just stay focused on Fox News and keep up the fear mongering, everything will be fine until Hillary gets elected.

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OIIOHH

Nov-21-13 5:27 PM

Yep, big hartman, I’ll keep watching Fox News. And you just keep listening to the President, with his 37% job approval rating (according to a CBS news poll released yesterday).

CBS news: “Only 32 percent of respondents said they support the way the president is handling health care”

CBS news: “The rollout of Obama’s signature health care law has been disastrous. “

CBS news: “the approval rating of the Affordable Care Act has plummeted to an all-time low of 31 percent”

CBS news, big hartman.

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sumyounguy

Nov-21-13 5:32 PM

OIIOHH, H75 is beyond repair, the wiring is all wrong. Garbage in - garbage out. We'd all like to help him understand our world, but sometimes there's no hope for change.

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Anon6444

Nov-22-13 8:46 AM

First of all, just because MNSure gets information from the federal government doesn't mean its website is affiliated with it. Let's be smart now, MNSure is the go-to place for the ACA health insurance plans in Minnesota, OF COURSE it is going to get information from the federal government because ACA is a FEDERAL program! Come on, a ten year old could've figured that out. MN funds their website.

ABC news and CBS news aren't always reliable. They are the Enquirer of news broadcasts at times, stirring up people like you, OIIOHH, with their broad generalizations and hearsay. Can I just say I'm not concerned with the government having my identity because THEY ALREADY DO!! If you have a drivers license, social security card, bank account (especially if you've used direct deposit on your taxes), a car, a house, and the list could go on, the government, on a federal and state level, already HAVE your identity information. In fact, if you have a social security card, the government GAVE

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Anon6444

Nov-22-13 8:51 AM

You your identity.

Coming from someone with a pre-existing condition, it's about time I'm not discriminated for something I can't control. There are hundreds of thousand of insurance companies and policies nationwide, I wouldn't expect the President to dig through ALL of them. Just like a lot of things, you go through quite a few and they are mostly bad, you're going to assume that they are all in need of a change. Hartman75 is right, insurance companies have sucked BILLIONS of dollars out of people and haven't helped anyone who really needs it.

It doesn't take rocket science to understand "our world." It just takes common sense, no ignorance and fear-inducers, and a little critical thinking.

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Merritt

Nov-22-13 1:23 PM

Common sense didn't tell you that if you raise the minimum standards of coverage that plans under the new standards wouldn't be cancelled? Common sense doesn't tell you that if you add people with pre-existing conditions to the pool, that prices would not decrease by $2,500 per family? I know your side loves changing the definition of words (like marriage) so can you please let me know the updated definition of common sense?

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Merritt

Nov-22-13 2:14 PM

Common sense tells me that the President lied. He felt he had to lie to get the law passed. Common sense also tells me that liberals feel that it is alright to lie as long as they feel the end game justifies their lies. You see it over and over with this party. You saw it with the ACA and in MN with gay marriage. Common sense should tell people that Democrats will push their ideals on the American people and make excuses after the fact.

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56two58

Nov-22-13 2:48 PM

Merritt - your last post is excellent. Certainly not true of every liberal - but in this example it appears to be true. It is unethical and unnoble to lie to acheive an outcome no matter how prudent that outcome is. Politicians who do this, have no right to serve.

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sumyounguy

Nov-24-13 10:47 AM

Anon: "It doesn't take a rocket science...". That's scientist, guess you're not one. As for pre-existing conditions, try finding a new auto insurance policy to cover that accident you just had. Many people FEEL health insurance companies are greedy or heartless for not covering pre-existing conditions, but the fact is no contract existed at the time of discovery. I'm not one to defend insurance companies, but it's hard to blame them for something that occurred before any contractual relationship. I agree that it's wrong to cancel a policy where a condition occurred while being covered.

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sumyounguy

Nov-24-13 10:59 AM

Anon, your train de-railed. You go on and on about the gov't already having your information so why be concerned. Folks are worried about an insecure website where hackers can get your information. You must have heard of identity theft by now.

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hartman75

Nov-25-13 1:14 PM

NEWSFLASH: Merritt finally figured out that politicians sometimes may lie. Yes Merritt, throughout the years politicians have been known to stretch the truth a bit. The lies that led us into Iraq cost Americans dearly and we will continue to pay the price for years to come.

Evidently Obama should have asked insurance companies how many policies they sold couldn't even meet the ACA's lowest minimum standards. At least it didn't cost the lives of thousands of our servicemen and woman. Does the error somehow make the ACA less necessary? Commons sense will tell you it doesn't change the fact that millions of Americans that could NOT get insurance now CAN get insurance or that many Americans are finding policies that are less expensive than their current policy. Lying can't be justified, but Obama's "pledge" did little to nothing to advance passage of the ACA.

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Merritt

Nov-25-13 6:08 PM

Incompetence or deceit?

Hartman, I understand you have a very difficult time with economics, but you cannot add people into an insurance pool and have premiums go down. Sure, they might go down for a small group here and there that you like to twist into "many." I guess any number over 3 could be considered "many." I just want to know what your word is for the number of premiums that have gone up in cost? Mine went up. I'm pretty average. I was told it would go down $2,500. Was that a lie or incompetence on the part of the President? Common sense tells me it's a blatant lie because the smartest president we've ever had would probably remember to ask the insurance companies "how many policies they sold couldn't even meet the ACA's lowest minimum standards."

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hartman75

Nov-26-13 12:02 AM

"you cannot add people into an insurance pool and have premiums go down."

That's a false assumption Merritt as is the contention that a person who makes a false claim is automatically deceitful or incompetent. If you had common sense you'd realize Obama is human and therefore, not perfect. He make an assumption that proved to be wrong. How could Obama know employers would drop their employee's health insurance? Why are you blaming Obama for your premium increase when you should be blaming your insurance company?

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Pirate

Nov-26-13 9:08 AM

An honest mistake is a community organizer forgetting the donuts. O's actions are gross incompetence at best or willful deceit at the other end.

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Merritt

Nov-26-13 11:32 AM

Let me rephrase Hartman so you understand. You cannot add people to an insurance pool who have pre-existing conditions and expect premiums to go down. If anyone honestly expected healthy single males in their 20s to voluntarily sign up for health insurance and pay hundreds of dollars a month or pay a $95 fine you have no grasp of reality. As expected, the only people who are signing up are those with pre-existing conditions. When those people are entered into the insurance pool, everyone who is currently in (people like me with families) will have premiums inevitably go up. The insurance companies have to increase their rates to cover more high risk people. It's no different than the government forcing banks to take on high risk mortgages to meet quotas. They know they are risky, but they were mandated to do it. You blame the banks for doing everything they can to unload that? You blame insurance companies for raising premiums to cover the cost? Hartman, it's the government

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Merritt

Nov-26-13 11:37 AM

regulations that are manipulating the markets. It's not the evil insurance companies. People shop on price. If a competitor has a lower price than you for the same benefits, you have to lower your price. If you Hartman, can provide the same coverage for less, I'll buy it from you. To blame the insurance companies for the rising costs is a fundamental lack of understanding of cause and effect.

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sumyounguy

Nov-26-13 2:00 PM

As of last week, of those that have "successfully" signed up, they signed onto medicaid (sponge). Only around 5,000 have actually signed up and will contribute. Yet 5 million people across the country have been told they can't keep their health care, even if they liked it. Still more are having their premiums and deductibles necessarily skyrocket, which was the plan all along to get everyone eventually into a single payer system. That is the marxist goal. That is what will break this country and cause the dollar to be mere kindling. That brings on the chaos and the end game of fundamental transformation, with all the pieces in place. Please at least try to understand that.

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hartman75

Nov-26-13 3:15 PM

"The insurance companies have to increase their rates to cover more high risk people." That is how the market system is supposed to function, Merritt. So banks were not responsible for making bad decisions by taking excessive risks in their effort to turn huge profits? The govt forced the banks to trade in derivative and credit default swaps? Banks failed because of bad decisions THEY made. The govt did not force the banks to do anything. Now you want to blame your insurance increase on the govt? How convenient. Were past health insurance rate increases the fault of the govt. as well?

“People shop on price. If a competitor has a lower price than you for the same benefits, you have to lower your price.” If you feel you’re paying too much Merritt, then find a better price. Your assertion that insurance companies are NOT to blame for the rising costs represents a lack of understanding fundamental economic principles.

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hartman75

Nov-26-13 3:26 PM

Really? A single payer system is the Marxist goal that will break this country and cause the dollar to be mere kindling while bringing on the chaos and the end game of fundamental transformation, with all the pieces in place? My, my, when will this be happening, sumyounguy, I want to reduce my healthcare deductible just before Armageddon.

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