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Health insurance policy with $100 bills.
Will Obamacare cause people's insurance premiums to go up by 88 percent? No, not really. But that's not going to stop Ohio's Republican Lt. Gov Mary Taylor from saying it is going to happen.

Here's the story. The state Department of Insurance, which Taylor oversees, announced that people buying insurance on their own, rather than through their employer, could see rate hikes of as much as 88 percent. The emphasis there should be on the "could" part. But Taylor says, “The Department’s initial analysis of the proposed rates show consumers will have fewer choices and pay much higher premiums for their health insurance starting in 2014.” Except that's not really the whole story, as Jonathon Cohn explains in this exhaustive debunking that should be required reading for everyone who has to debunk Republicans on Obamacare. Starting with:

For starters, the release neglected to point out how those regulations on insurance companies, the ones making coverage more expensive, will also allow people with pre-existing conditions to get comprehensive coverage. Many cannot do that now.
So, for the people who've never been able to get insurance, now they will. They, and everyone else, will also get lots of preventive and wellness care without having a copay, which will save everyone a few bucks. But there's also this:
You’ll have a choice over how much financial protection you want: You can go for a “bronze” plan, which will have high co-payments and deductibles, or you can pay more to get a “silver,” “gold,” or “platinum” plan that would leave you paying less out of pocket once you get care. But even if you opt for a bronze plan, the law will limit what you pay in out-of-pocket expenses to $6,350 for an individual. Your exposure will be lower if, because of your low income, you qualify for additional financial protection from the government.

A $6,350 deductible is still quite big. It’s one reason liberals (like me) keep saying Obamacare doesn’t guarantee as much coverage as it should. But compare that to one of the policies available in Ohio today—the Saver 80, from UnitedHealth. The Saver 80 will pay for periodic preventative visits and childhood immunizations, all without co-pays. But if you need any of the other services included in the policy, you’ll pay for them out-of-pocket until you’ve reached a $10,000 deductible. At that point, you’ll generally pay 20 percent of your bills until you’ve spent another $3,000, at which point full insurance coverage will finally kick in. Yes, that’s maximum out-of-pocket spending of $13,000.

And this:
By the way, plans like these help explain why the 88 percent figure is so useless. To come up with the figure, the Insurance Department literally took an average of the different bids that carriers submitted. Officials paid no attention to how many people might enroll in different plans, nor did they account for the varying benefit levels.
Of course, what's also missing from the release is the tax credits, the premium subsidies, that many, many people will receive. How many? They'll be available to people with incomes below 400 percent of the poverty line. That's a single individual making about $46,000 a year or a family of four with an income of $94,000. (This is where the evil IRS comes in, helping figure out how much money you won't have to be paying on your health insurance premium.)

Keep the link to the Cohn piece handy. There's going to be a lot more debunking to do in the coming months.

Originally posted to Joan McCarter on Wed Jun 12, 2013 at 01:09 PM PDT.

Also republished by Daily Kos.

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Comment Preferences

  •  Tip Jar (14+ / 0-)

    "The NSA’s capability at any time could be turned around on the American people, and no American would have any privacy left, such is the capability to monitor everything. [...] There would be no place to hide."--Frank Church

    by Joan McCarter on Wed Jun 12, 2013 at 01:09:13 PM PDT

  •  Thanks for (0+ / 0-)

    highlighting the deceptive nature of this Lt Gov's comments.

    I saw that yesterday,and it was a headline on the Yahoo page, and read the article and came away very confused.

    This is like rocket science stuff to get apples to apples comparisons....which is why repeated explanations like this are needed.

  •  Simple Axiom: When a GOP State pol tells you why (0+ / 0-)

    Obamacare is bad - (rate hikes, intrusive, taxes, etc) just remember, they are lying.

  •  "All governments lie. But disaster awaits ... (0+ / 0-)
    ...the country whose leaders smoke the same hashish they're passing out."
     -- approximate quote from I. F. Stone

    We're all pretty strange one way or another; some of us just hide it better. "Normal" is a dryer setting.

    by david78209 on Sat Jun 15, 2013 at 07:03:04 PM PDT

  •  They keep flogging this lie (5+ / 0-)

    Even my company, in the morning news feed of "industry news," will have articles about "Incoming" Rate shocks for young people!!!"

    The latest one turned out to be a Wall Street Journal editorial.

    Seriously? An editorial by these Murdoch lapdogs?

    Funny, how in OR, WA, and CA, rates did not go up. In OR, some big insurance companies asked to resubmit lower rates, due to the competition. Note also how in MA, rates didn't shoot up any higher than anywhere else.

    But I guess they have a cryptic point. My son at age 16 was denied coverage--so in the right wing utopia, his current rate is zero--so under the new law his increase would be infinite.

    Ouch! My brain just had a "divide by zero" error, in calculating the stupidity of right-wing cretins.

    And God said, "Let there be light"; and with a Big Bang, there was light. And God said "Ow! Ow My eyes!" and in a flash God separated light from darkness. "Whew! Now that's better. Now where was I. Oh yea . . ."

    by Pale Jenova on Sat Jun 15, 2013 at 07:12:26 PM PDT

    •  I shared your comment on FB (2+ / 0-)
      Recommended by:
      jdld, Pale Jenova

      "Funny, how in OR, WA, and CA, rates did not go up. In OR, some big insurance companies asked to resubmit lower rates, due to the competition. Note also how in MA, rates didn't shoot up any higher than anywhere else."

      I hope you don't mind.  If you do, please let me know and I will delete.  

      Faux News ruined my state

      by sc kitty on Sat Jun 15, 2013 at 08:31:21 PM PDT

      [ Parent ]

      •  Nope, no problem :) (0+ / 0-)

        And God said, "Let there be light"; and with a Big Bang, there was light. And God said "Ow! Ow My eyes!" and in a flash God separated light from darkness. "Whew! Now that's better. Now where was I. Oh yea . . ."

        by Pale Jenova on Sun Jun 16, 2013 at 06:57:19 AM PDT

        [ Parent ]

    •  Another trick they use that (3+ / 0-)
      Recommended by:
      jdld, Pale Jenova, drklassen

      journalists are falling for: they compare Obamacare rates straight across with esurance quotes for the healthiest qualifiers. For example, they'll quote a healthy male qualifying for a $90 plan and compare it with a Bronze Obamacare plan that may cost over 200% more. What they don't tell you is that the $90 is JUST A TEASE and that ALMOST NOBODY qualifies for this plan after you complete the questionaire. Many people who apply for these plans thinking they are healthy will probably end up paying as much or more than they would for the Bronze plan after they complete the questionaire.

      There are two types of republicans, the rich and the stupid. The rich ones strive to keep the stupid ones stupid and the stupid ones strive to keep the rich ones rich.

      by frankzappatista on Sat Jun 15, 2013 at 08:53:15 PM PDT

      [ Parent ]

      •  Plus, only the silver plan has the subsidies (0+ / 0-)

        So for most young people (who are by and large not wealthy), they would never buy the bronze plan anyway. In fact, the only bronze plan customers would be single, healthy, more well-off (i.e., earning over 45k per year--not "One Percent" by any means but not Taco Bell either!).

        They also leave out the bit how exchange products are better--actual coverage, lower deductibles, limited coinsurance, etc. Want to see where the insurance market was headed? Check out this gem.

        And God said, "Let there be light"; and with a Big Bang, there was light. And God said "Ow! Ow My eyes!" and in a flash God separated light from darkness. "Whew! Now that's better. Now where was I. Oh yea . . ."

        by Pale Jenova on Sun Jun 16, 2013 at 07:06:51 AM PDT

        [ Parent ]

      •  Can't average either (0+ / 0-)

        And when the talk about the "average price", all they did was take the arithmetic mean of all the plans out there.  While that is and average price, it is highly misleading, because it is not the price that an "average plan" will cost.

  •  Lies???? From a Republican??? In Ohio? (3+ / 0-)
    Recommended by:
    clecinosu, Matt Z, drklassen

    That's it.
    That's all I got.

  •  Mine have gone up 50% in the last 2 years (0+ / 0-)

    Makes 88% seem possible.

    LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

    by dinotrac on Sat Jun 15, 2013 at 07:23:27 PM PDT

  •  Republicons? Lying? How often does THAT happen? (0+ / 0-)

    Politics is like driving. To go backward put it in R. To go forward put it in D.
    Drop by The Grieving Room on Monday nights for support in dealing with grief.

    by TrueBlueMajority on Sat Jun 15, 2013 at 07:39:30 PM PDT

  •  $6,350 deductable for an individual. (0+ / 0-)

    I have to pay a premium to get this?

    Do you see how forcing people to buy this might not seem all that beneficial to the people who have to pay for the fucking first $6000 a year of their health care?They dont have $6000 a year over basic living expenses, WTF is the incentive to pay a HCO for this monthly on the side?

    Oh I forgot people who cost more to cover HAVE TO be covered, now I'm a heartless bastard if dont want to pay more for that?

    Its a sell out to the HCI, and its supporters will run out of lipstick soon enough...

  •  Sounds like one of those reviews you seek online, (0+ / 0-)

    and all you can find are reviews that dis what you want and praise the company they're working for.
    The elephant shouldn't be the mascot of the Republican Party. It ought to be the gopher.

    The Great Awakening Is Afire! Think outside the box or remain mundane.

    by franklyn on Sat Jun 15, 2013 at 08:00:19 PM PDT

  •  First it was weird watching (1+ / 0-)
    Recommended by:
    jdld

    1990's era Movement Conservative policy be attacked as radical and leftist.

    Now, it's utterly bizarre watching hardcore wingnuts try as hard as they can to fuck up the last chance they have for the preservation of the free market role in healthcare to be as big a focus as providing and delivering access to care.

    If this asshole succeeds, he thinks he gets one thing but what he really ends up getting is an outcome that will make his head really explode.

    If they win, if they get their way, the result will be a wave of human misery eventually followed by vastly more non-conservative to far more blatantly ideologically liberal policy outcomes as a solution.

    I get that the scary black man adopted it and proposed it, and the Democrats passed it by sheer force of will so... Communism!

    But there is no going back to the pre-ACA status quo.  

    Not because the all-powerful pixie dust farming hippies and great gay and lesbian unicorn herders league of America would not allow it because they hate freedom and Christmas, but because of the cold hard  business math. The bottom line.  

    It was breaking the system. We never would have had healthcare reform if the viability of the whole system shitting the bed wasn't what was at stake with the old status quo. Hospitals and Insurance companies didn't magically wake up giving a shit about the poor and the sick. If the system shits the bed, their bottom lines shit the bed too.

    Killing the ACA basically leaves them with a massive human suffering crisis, but also a systemic healthcare crisis. Something was done because something had to be done. No ACA doesn't mean no reform. It means more radical reforms. Like facing a mass expanding of Medicare on a grand scale or incrementally in chunks as the pathway to providing universal coverage.

    Only a wingnut who is living 24 hour news cycle to 24 hour news cycle PR "win" can't see it.

    The only other alternatives to the ACA, besides the utter delusion of the nation going back to the pre-ACA days that were both systemically non-viable and economically unsustainable as well as a mass human tragedy, that would be turned to to replace the ACA should it fail are all more liberal and involve more far more government involvement in the system.

    This is conservatism's last crack at the healthcare bat.
    This is preserving the free market insurance system and reforming the system.

    This is a conservative outcome. Kill it at your peril, wingnuts. You will not get a more conservative outcome in its stead.

    If this healthcare reform law does implode, it will be because the Movement Conservatism policy and economic assumptions behind it were wrong, and that wouldn't really be all that much of a shock considering that conservatism is about preserving and advancing conservatism as much as anything else socially, not because it is leftist or radical.

    At this point, I actually wonder if seething hatred for Obama will drive the Teahadi all the way around the ideological circle to the point of trying to wingnut-up a Medicare for All policy just to say they killed "ObamaCare".

    It would make as much sense as every other batshit thing the Right concludes is "winning" while they sound like a thousand toasted Charlie Sheens riding a thousand drunk elephants.

     

    I am a Loco-Foco. I am from the Elizabeth Warren wing of the Democratic Party.

    by LeftHandedMan on Sat Jun 15, 2013 at 08:01:31 PM PDT

  •  "Children under the age of 19 can no longer be (2+ / 0-)
    be denied coverage due to a pre-existing condition.

    Children under the age of 19 can no longer be denied coverage due to a pre-existing condition.

    Young adults can remain on their parents’ health insurance plan until the turn 26.

    Insurance companies are prohibited by law from dropping your insurance coverage when you get sick.

    The cap on the total lifetime benefits you may get from your insurance company are eliminated.

    Under federal law consumers can now appeal denials or limits on coverage or claims by their insurance companies.

    Federal grants are available to states to expand programs that help consumers navigate the private insurance system.

    All new insurance plans must cover certain preventative services including mammograms and colonoscopies without charging a co-pay or deductible.

    Since 2010
    - See more at: http://thanksobamacare.org/...

    Thank you President Obama.

  •  She works for John Kasich (3+ / 0-)

    who claims he is in favor of the Medicaid Expansion in Ohio.  Riiiight.

    Her creative math is nothing but a comparison between the cost of expensive "junk" insurance Ohio has been allowing companies to sell and real policies that ACA will require them to sell.

    "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

    by Betty Pinson on Sat Jun 15, 2013 at 08:52:38 PM PDT

  •  Single Payer would save 400 Billion/Year (1+ / 0-)
    Recommended by:
    drklassen

    Providing universal coverage.  Even if Republicans say this is bad, that does not make it good.  The subsidies are based on the cost of an individual employee, and do not cover the cost of insurance for a non working spouse or children.  If you are over 55 and poor, you only get a collateral loan with Medicaid.  It must be paid with the assets from your estate when you pass away.  Even if the New Republic likes that, it is still cynical and unfair.
    Beating on Republicans who say stupid things does not make a bad plan good.

  •  You need something other then insurance... (2+ / 0-)
    Recommended by:
    jdld, drklassen

    In Caanada everyone gets care. You are a great nation. Surely you can find a way to ensure people in  your contry  based on need  rather then  wealth. I  believe in your nation. As a next door neighbour, I know you can do it!

  •  I've known for a little while now, thanks to ... (1+ / 0-)
    Recommended by:
    jdld

    ... Plunderbund, a website dedicated to progressive issues in Ohio. Their latest on the subject include these posts:

    http://www.plunderbund.com/...

    http://www.plunderbund.com/...

    http://www.plunderbund.com/...

  •  Of course he lied. It's a default program recently (0+ / 0-)

    Reverberating Robotic voice- "Kenya, Abortion, Jesus, Free-Market, Terror, Pubic lice.."

    It's not the lies as much, but instead - Who's listening.

    Take Sean Hannity for instance. No, really, take him.

    He votes. His acolytes - they vote.

    Oh hell, it's not as if they actually count the "votes" any longer anyway post Citizens United..

    ..and they're all made out of ticky-tacky and they all look just the same.

    by Anthony Page aka SecondComing on Sat Jun 15, 2013 at 11:29:52 PM PDT

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