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View Diary: Public still divided, uninformed about Affordable Care Act (158 comments)

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  •  You are correct. And we shouldn't forget, unions (1+ / 0-)
    Recommended by:
    Byrnt

    bargained the so-called Cadillac plans in lieu of their actual wages.  So, it is definitely a 'pay cut,' in a collective bargaining situation.  

    I'd say that it's not being touted by the Administration because they understand that while it may provide some degree of health care, it will also put a tremendous financial hardship on millions of low income Americans.

    As one 34-page policy analysis says:

    What this means is that those Americans with the least or no disposable income are faced in effect with a substantial pay cut.

    The author provides an example of a 35 year-old with a MAGI of $27,925. The out-of- pocket cost to this person of a Silver level plan (second least expensive) is $187.33 per month.  The coverage under the less expensive Sliver plan is only 70/30 coverage.

    This cost [of the health exchange premiums] is based on pre-tax income, that is, before income is reduced by payroll and income taxes.

    There goes the car payment or utility bill.

    The lives of millions of Americans will change drastically as they struggle with a new, large expense – particularly in an era of no jobs, low-paying jobs and rising cost of living.

    In the several years since the ACA passed, I've always expressed concern about the puny subsidies.  

    They aren't near large enough, and they should extend to folks considerably higher up the income scale than they do.  The cut off is definitely in 'working class'  territory.  

    I would prefer a public option plan, but would have less of a problem with the ACA, if it were to be appropriately and sufficiently subsidized.

    Oh, and there's ANOTHER glitch.

    Obamacare 'Glitch' Allows Some Families To Be Priced Out Of Health Insurance

    By RICARDO ALONSO-ZALDIVAR 01/30/13 09:55 PM ET EST AP

    WASHINGTON -- Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.

    As a result, some families that can't afford the employer coverage that they are offered on the job will not be able to get financial assistance from the government to buy private health insurance on their own. How many people will be affected is unclear.

    And last, but not least, there are the millions who will be fined, because they simply cannot afford the premiums, period (subsidized or not).  Let's not forget that millions and millions of Americans (a third is what I often see quoted) are 'underwater' in mortgages, and barely hanging on.

    Then there's the millions already foreclosed upon, who certainly are in no position due to job loss, etc., to carry an insurance premium.

    And it's some of these poor folks, who will be fined in order to help pay [along with other funding sources] for those folks who can just manage to eke out a monthly health insurance premium payment.

    We need to demand that our lawmakers get rid of the above "glitch," and properly subsidize the program.  

    It's a shame that progressive advocates were not able to persuade the PtB to take care of this before its implementation.

    Mollie

    "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


    hiddennplainsight

    by musiccitymollie on Sat Mar 23, 2013 at 03:44:45 PM PDT

    [ Parent ]

    •  Just wait for the howls. (1+ / 0-)
      Recommended by:
      musiccitymollie

      I warned about this while the health insurance debate was going on and I kept getting replies that "it will be fixed later".  

      Fat chance on having a Republican House fix it later.

      Meanwhile, you're going to hear a lot of middle class people howl to holy hell as they react to the sticker shock. I really believe that we'll see a rerun of the 1989 fight to kill Medicare catastrophic coverage.

      •  You remember that, too, huh? I'm wondering if (0+ / 0-)

        that's a possibility.

        I would imagine that if enough middle class folks' coverage is adversely affected, it could happen.

        Hopefully, the PtB will make needed adjustments.  They could, you know.

        Or better yet, if there is serious blowback, maybe they'll just relent, and go with Medicare-For-All.

        Won't hold my breath, on that one, though. ;-)

        Mollie

        "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


        hiddennplainsight

        by musiccitymollie on Sun Mar 24, 2013 at 04:10:53 PM PDT

        [ Parent ]

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