GOPers phony storm about people having insurance policies cancelled cause of ACA: another GOP fraud

[Bill USA]

Last edited Mon Nov 4, 2013, 07:40 PM - Edit history (1)

perpetrated by the GOP... They are talking about worthless 'fake' insurance policies that would have been cancelled - pre-existing conditions - as soon at these people (suckers) would have gotten sick.

http://www.dailykos.com/story/2013/10/30/1251548/-About-That-Keep-Your-Insurance-Thing#

Health insurance is a hot topic these days. It seems everyone woke up one day and realized they had a stake in our national health care system, which is a good thing. Sadly, figuring out the best way to deliver health care to all Americans has almost turned into a contact sport.

The logistics alone are staggering. Even so, the ACA set up a system that works in all 50 states while setting standards of coverage and setting boundaries for insurance company behavior. The latest dust up is over the minimum standards for a health care policy and "grandfathered" plans. These plans do not meet the ACA minimum standards but since they were in effect in 2010, they could continue as long as the plan doesn't make major changes. Well insurance companies being what they are, changed these plans to where they lost their grandfather status. This means people who have these plans would no longer qualify for subsidies or exemption to the fines under the ACA. Let me clarify, these plans don't even qualify as catastrophic care policies under the ACA. That should be a clue. A $54 a month health insurance policy for a 56 year old woman is going to cover next to nothing. The fact that Republicans are defending their constituents right to own a nearly worthless policy certain to drive them into bankruptcy or kill them is crazy.

[font size="3" color="blue"]{NO it's not crazy, it's a typical GOP con, based on fraudulent anecdotal 'evidence'_Bill USA}[/font]

About 5% of America's population get individual medical insurance policies that cost more and cover less, but neither CBS nor NBC covered that aspect of the story. About 15.8 million people out of about 317 million people had nearly no protection before the ACA and a much higher chance of being screwed over by their insurance company. Does either CBS or NBC cover the atrocity of taking money for insurance coverage that leaves you all but bare? Oh, no they go for the sensational bullcrap story line. According to NBC 40-67% and possibly up to 75% of people with individual policies will not be able to keep their insurance that doesn't insure them against much of anything. If you need numbers, anywhere from 6.3 million to 11.9 million people will need to make a change, because what they have now no longer qualifies as insurance. Yes, the ACA forces people to change from junk insurance to something that offers real security.

Up to 75%!
(more)

[moriah]

1. Oh, but don't forget! According to some DUers, suggesting these "policies" are scams...

... is really just calling people stupid (the people who bought them).

Apparently, those people think they're so smart they'll never be taken in by a conman. Guess what? That's exactly the attitude cons look for.

[Bill USA]

4. there is another category: those who think they can get something for nothing - and THAT's the KEY

human weakness, preyed upon by virtually ALL cons. But, many people can be legitimately confused when the product is something as complicated as insurance. This is why the ACA has required insurance companies to offer standard, defined plans that people can then do a straight forward cost comparison of. Without the standardization making a cost comparison is extremely difficult.

[gopiscrap]

2. what else is new?

[TxDemChem]

3. Junk policies are nothing to brag about,

yet the people who have them a) have no idea that they are junk and b) are far too quick to put their business out in the street. Rule #1: know what you are paying for.

[Bill USA]

5. Rule 2: don't kid yourself you can get 'something' for nothing.

[TxDemChem]

6. Excellent point.

Considering the importance of our health to our everyday lives, I can only hope more people take a serious look at their medical, life and auto insurance policies and their finances (assets, liabilities, 401k, Roth IRA, etc.) I hate to see people get blind-sided by a surprise event and they don't know what to do to help themselves. We've really got to be smarter consumers.

While we can't control everything, I think it helps to know as much about our situations as possible.