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six states refuse to inforce health insurance laws - 8/10/2013 7:46:47 AM   
defiantbadgirl


Posts: 2988
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Status: offline 		"Gov. Rick Perry has refused the Affordable Care Act's expansion of Medicaid, 1.5 million Texans will needlessly remain uninsured after January 1. Now, Texas is adding insult to injury by refusing to enforce Obamacare's reforms for insurers, potentially putting the health—and lives—of its residents at risk.

That's the word from the Texas Tribune, which reported that (1) Texas will join (2) Arizona, (3) Alabama, (4) Missouri, (5) Oklahoma and (6) Wyoming in refusing the guarantee that insurance companies follow the ACA's new regulations.

Among other things, those reforms prohibit insurers from refusing to cover those with pre-existing conditions, using "rescission" to drop coverage for those who become sick, discriminating against women and setting annual or lifetime benefits caps."

source:

http://www.dailykos.com/story/2013/08/08/1229816/-Texas-refuses-to-enforce-Obamacare-health-insurance-reforms

So if health insurance companies decide to take advantage of these states refusing to enforce the laws, does this mean residents may have to move to other states in order to get away from caps and pre-existing condition clauses? If Republicans support abolishing pre-existing condition clauses and coverage caps like they claim, why then are Republican states deliberately refusing to enforce these laws? Am I missing something?

< Message edited by defiantbadgirl -- 8/10/2013 7:50:14 AM >

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RE: six states refuse to inforce health insurance laws - 8/10/2013 7:54:38 AM   
DomKen


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quote:

ORIGINAL: defiantbadgirl
So if health insurance companies decide to take advantage of these states refusing to enforce the laws, does this mean residents may have to move to other states in order to get away from caps and pre-existing condition clauses?


No. you just have to complain to the Centers for Medicare and Medicaid Services instead of the state insurance enforcement agency. Although I really doubt this intransigence will last much longer. People want these reforms.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 7:55:38 AM   
mnottertail


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Status: offline 		It means they will be sued and spend a great deal of the taxpayers money on courts.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 8:15:49 AM   
MrRodgers


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Status: offline 		My understanding is that rather than the people (insured) leaving Texas, insurance cos. will leave. If I can't get satisfaction from a Texas insurance co. I'll go out of state. As far as I know, that is perfectly legal and one could still qualify for federal subsidies.

This is as usual...a crazy partisan move and may not only signal the end of Perry's tenure as governor but effectively end his bid for the repub nomination for the WH.

You gotta love those crazy Texans. Well ok...like.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 8:59:02 AM   
defiantbadgirl


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Status: offline 		What if a person has health insurance through employment (which is subsidized since employers pay part of premiums) and that insurance company is taking advantage of the state's refusal to enforce ACA insurance law? Wouldn't they be ineligible for subsidized health insurance on the exchanges since they have access to health insurance through employment? I'm not sure how well lawsuits would work. SCOTUS ruled that states have a right to refuse Medicaid expansion. Could states argue they have a right to refuse to enforce laws on insurance companies as well?

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RE: six states refuse to inforce health insurance laws - 8/10/2013 9:27:27 AM   
freedomdwarf1


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I think that's why many private health insurance companies didn't really make a landslide take-over of our NHS when it was launched in Thatcher's years in office.
Most have exclusions for pre-existing health conditions and, by comparison, was quite expensive.
Even if you could opt-out of paying the NI contributions and going completely private, it just wasn't worth the expense for Joe Average in the UK.
I think the only people over here that have private medical insurance are those in jobs where the majority (if not all) of the cost is bourne by their employer or they are rich enough not to worry about the cost of it.

I'm really glad that Maggie didn't break up the NHS in favour of privately funded health care.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 10:11:11 AM   
PetBoyOwner


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Status: offline 		The ACA is a federal law, and we had a little dustup back in 1861 over the whole "nullification" thing. If Texas refuses to enforce the regs, the Federal government will, and will most likely be a lot more imposing on insurance companies who break the law than the state of Texas would.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 10:16:26 AM   
ThatDaveGuy69


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Status: offline 		Looks a lot like Dick Perry grandstanding for the Koch Brothers and the GOP elite. That, and it's Texassistan where grandstanding is the norm.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 10:33:48 AM   
DaddySatyr


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quote:

ORIGINAL: MrRodgers

My understanding is that rather than the people (insured) leaving Texas, insurance cos. will leave. If I can't get satisfaction from a Texas insurance co. I'll go out of state. As far as I know, that is perfectly legal and one could still qualify for federal subsidies.

This is as usual...a crazy partisan move and may not only signal the end of Perry's tenure as governor but effectively end his bid for the repub nomination for the WH.

You gotta love those crazy Texans. Well ok...like.


Actually, Fred as a licensed life and health producer, I can tell you that insurance companies have to apply to the state Department Of Banking and Insurance (DOBI or a similarly named entity) in order to do business in a state.

Also, individual agents have to be licensed by the DOBI before they can actually solicite the sale of insurance.

So, if all the insurance companies left Texas, Texans could NOT do business with a company from out of state.

I hold licenses in 7 states but, if the company I represent isn't licensed to do business in a state, I can't operate there until I find a company that's licensed or my company goes through the process of getting one.



Peace,



Gilbert Godfried

< Message edited by DaddySatyr -- 8/10/2013 10:37:16 AM >

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RE: six states refuse to inforce health insurance laws - 8/10/2013 11:32:02 AM   
defiantbadgirl


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Status: offline 		DaddySatyr, if health insurance companies follow state guidelines as you say, what are the chances health insurance companies will keep pre-existing condition clauses and caps in those states?

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Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.


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RE: six states refuse to inforce health insurance laws - 8/10/2013 12:03:26 PM   
DaddySatyr


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quote:

ORIGINAL: defiantbadgirl

DaddySatyr, if health insurance companies follow state guidelines as you say, what are the chances health insurance companies will keep pre-existing condition clauses and caps in those states?


You can make book that anything they can do to increase their bottom line will be done.

Pre-existing condition exemptions, caps for coverage, no diabetes coverage.

I will admit, though, to my knowledge, just about every insurance company went with the raised age for covered children but, of course, they even "marketed" that.

This law isn't a health care reform thing. As I have been saying, all along it's a "love letter to the insurance companies". First we were told that there would be coverage for all. Well, people that couldn't afford insurance 20 years ago still can't afford it now, based upon all the unemployment and what-not.

All that this law does is make it a criminal act if you don't purchase insurance.

Another fail from Obummer.



Peace,



Rick Perry

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RE: six states refuse to inforce health insurance laws - 8/10/2013 12:04:41 PM   
MercTech


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Status: offline 		Meh, it is all high dollar politics to provide a guaranteed income to the insurance companies while costing the public much more.

My insurance company quadrupled the premium and moved the deductible from $500/yr to $5000/yr. So thanks to the scare of Obamacare I'm now uninsured.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 12:32:58 PM   
tazzygirl


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The part they are refusing is the Medicaid expansion, which the SC stated they could refuse. The rest of the law is still intact in each state.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 12:42:30 PM   
tazzygirl


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quote:

My insurance company quadrupled the premium and moved the deductible from $500/yr to $5000/yr. So thanks to the scare of Obamacare I'm now uninsured.


If that just happened in the past 2 years, then you were doing really good. Most policies have gone up almost 80% since 2003, while deductibles have more than doubled.

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Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
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Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 1:27:13 PM   
DomKen


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quote:

ORIGINAL: defiantbadgirl

What if a person has health insurance through employment (which is subsidized since employers pay part of premiums) and that insurance company is taking advantage of the state's refusal to enforce ACA insurance law? Wouldn't they be ineligible for subsidized health insurance on the exchanges since they have access to health insurance through employment? I'm not sure how well lawsuits would work. SCOTUS ruled that states have a right to refuse Medicaid expansion. Could states argue they have a right to refuse to enforce laws on insurance companies as well?

No. SCOTUS's ruling only applied to the feds could not punish states that chose not to implement the Medicaid expansion. Nothing in the ruling allows private companies to not obey the ACA.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 1:27:52 PM   
hlen5


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quote:

ORIGINAL: mnottertail

It means they will be sued and spend a great deal of the taxpayers money on courts.



They will also spend a lot more money on the estimated 25,000 unintended births caused by Texas's anti reproductive control efforts!

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RE: six states refuse to inforce health insurance laws - 8/10/2013 2:45:22 PM   
JeffBC


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quote:

ORIGINAL: tazzygirl
The part they are refusing is the Medicaid expansion, which the SC stated they could refuse. The rest of the law is still intact in each state.

Thanks for that very important bit of context tazzy. Man I like it when someone removes the political spin.

To all: I readily admit having moved to Canada where all of this works reasonably smoothly, efficiently, and cheaply I haven't been tracking the details. What I know is that I don't trust any politician's estimates of the benefits of their proposed bill. So what I'd like to know is:

a) When is a reasonable "settling in period"?
b) Do we have numbers regarding how many people are actually covered at that time vs. before the ACA

Also, as a general note to folks on this thread, any post which references politicians by pejoratives (OBummer/Mittens) or bills by pejoratives "Obamacare" gets ignored by me as do blog entries and magazine articles. Such things are blatant attempts at emotional manipulation and I prefer to deal in facts. If your intent is really to persuade rather than to pontificate you might consider that.

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RE: six states refuse to inforce health insurance laws - 8/10/2013 3:10:11 PM   
tazzygirl


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Status: offline 		The exchanges will be set up by the state alone, by the state and fed together, or by the fed alone if the state does not. So that part cant be refused. They arent open for enrollment until October, so the numbers of how many are not known yet.

Im not sure what you mean by a settling in period.

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Telling me to take Midol wont help your butthurt.
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If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: six states refuse to inforce health insurance laws - 8/11/2013 12:08:21 AM   
DaddySatyr


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From: Pittston, Pennsyltucky
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quote:

ORIGINAL: JeffBC

Also, as a general note to folks on this thread, any post which references politicians by pejoratives (OBummer/Mittens) or bills by pejoratives "Obamacare" gets ignored by me as do blog entries and magazine articles. Such things are blatant attempts at emotional manipulation and I prefer to deal in facts. If your intent is really to persuade rather than to pontificate you might consider that.



I'm really sorry you feel this way but until the SC completely removes my right of free speech, I'll continue to call the lying, piece of shit socialist that's responsible for the death of my son any fucking thing I want.


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