Sunday, July 27, 2014


WASHINGTON (AP) — If you have health insurance on your job, you probably don't give much thought to each year's renewal. But make the same assumption in one of the new health law plans, and it could lead to costly surprises.

Insurance exchange customers who opt for convenience by automatically renewing their coverage for 2015 are likely to receive dated and inaccurate financial aid amounts from the government, say industry officials, advocates and other experts.
If those amounts are too low, consumers could get sticker shock over their new premiums. Too high, and they'll owe the tax man later.
Automatic renewal was supposed to make the next open-enrollment under President Barack Obama's health care overhaul smooth for consumers.
But unless the administration changes its 2015 approach, "they're setting people up for large and avoidable premium increases," said researcher Caroline Pearson, who follows the health law for the market analysis firm Avalere Health.
It could be a new twist on an old public relations headache for the White House: You keep the health plan you like but get billed way more.
"It was our preference for (the administration) to have the capacity to update people's subsidy information, but they haven't been able to get that built," said Brendan Buck, a spokesman for the industry trade group America's Health Insurance Plans.
Here's the issue, in a nutshell:
To streamline next year's open enrollment season, the Health and Human Services Department recently proposed offering automatic renewal to 8 million consumers who are already signed up.
But the fine print of the HHS announcement said consumers who auto enroll will get the "the exact dollar amount" of financial aid they are receiving this year.
That's likely to be a problem for a couple of reasons, not to mention inflation.
First, financial aid is partly based on premiums for a current benchmark plan in the community where the consumer lives. Because more plans are joining the market and insurers are submitting entirely new bids for 2015, the benchmark in many communities will be different.
Second, financial aid is also based on household income. If your income goes down, you are entitled to a bigger health insurance tax credit. If it goes up, you get less. The 2014 amounts could well be out of date and incorrect for many people. Financial assistance is also affected by age, family size and where people live.
And that doesn't get into another motivation for consumers to shop around: Premiums and choices for 2015 are changing, so your current plan may no longer be a good deal.
"Just continuing in the same plan with the same credit is not going to be the optimal outcome for most people," said Judy Solomon of the Center on Budget and Policy Priorities, which advocates for low-income people. "Your 2014 credit is going to be lower in most cases, and in some cases it could be too high."
About 8 in 10 of those who signed up for private coverage under the health care law are getting financial aid. In the 36 states served by the federal insurance exchange, the tax credits average $264 a month, reducing the average monthly premium of $346 to just $82.
Even with such generous subsidies, about 4 in 10 who bought a health law plan say they have trouble paying their premiums, according to a poll by the nonpartisan Kaiser Family Foundation.
Open enrollment starts Nov. 15, and consumers who already have a policy will have just about a month to renew or make changes to avoid a break in coverage Jan. 1. Millions of new customers are also expected to try to sign up for the first time.
New Health and Human Services Secretary Sylvia Mathews Burwell is hoping that auto renewal will simplify things, a welcome change from this year's website problems.
But the subsidy scheme created by Congress to keep premiums affordable has so many moving parts that it's turning out to be difficult for the government to administer.
Administration spokesman Aaron Albright says all consumers are encouraged to contact their health insurance exchange to update any changes in personal and financial details. You can do that at any time, before the open-enrollment crunch.
However, you will have to wait until the fall to change to a new plan for next year.
Even if the financial aid amounts are off the mark, some advocates say auto renewal is still a safeguard to keep some people from falling through the cracks.
"It is not a perfect solution, but I'm not sure that there is a better solution in terms of protecting people so they don't lose health coverage," said Ron Pollack, executive director of Families USA, an advocacy group supporting the overhaul.


Michigan incomes rise in wake of right to work legislation

Former union stronghold Michigan shocked the labor inion bosses when itbecame a right to work state in December 2012.  There were threats of violence:
"There will be blood, there will be repercussions," State Democratic Rep. Douglas Geiss, speaking on the House floor on Tuesday, warned ahead of the votes. 
And of course, there were predictions of disaster for the “little guy” as ruthless bosses would exploit the defenseless workers.
Senate Minority Leader Gretchen Whitmer, D-East Lansing, said that right-to-work legislation would lower employee wages
Utter self-serving nonsense from the political party which rakes off union dues as political “contributions” from workers whose paychecks are deducted from by their union bosses. Michigan Capitol Confidential reports:
Michigan’s per-capita personal income increased from $38,291 in 2012 (before right-to-work became law) to $39,215 in 2013, according to the U.S. Department of Commerce’s Bureau of Economic Analysis. That increase was the ninth highest in the country. (snip)
“The dire predictions of right-to-work detractors have not come true — Michigan has been a leader in income growth since passage,” said James Hohman, assistant director of fiscal policy at the Mackinac Center for Public Policy.
study released this week by Richard Vedder, a distinguished professor of economics at Ohio University and an adjunct scholar with the American Enterprise Institute as well as with the Mackinac Center, found that “incomes rise following the passage of RTW laws, even after adjusting for substantial population growth that those laws also induce. RTW states tend to be vibrant and growing; non-RTW states tend to be stagnant and aging.” 
The study states: “The evidence suggests that if non-RTW states had adopted RTW laws 35 years ago or so, income levels would be on the order of $3,000 per person higher today, with the overall effect varying somewhat from state to state.”

Another big fail for big labor.  More evidence that unions harm workers
In fairness, RTW is not the only factor in determining personal income, which includes sources other than wages in its totals. But it makes sense that freeing workers from the compulsion to join a union and fork over part of their paychecks to bosses who spend it on political donations to Democrats raises their incomes. Not to mention that it stimulates entrepreneurs and established companies to expand job opportunities, thereby raising demand for workers, and growing wages.

Hat tip: iOwnTheWorld.com

Some Web Finds through Facebook


democrat sign




Watch as this Democrat says one of the dumbest things OF ALL TIME…

Caution: Liberal Stupidity on display here!

Remember Obama said his administration is the ‘the most transparent in history’? Add that to his long list of lies. Obama has produced one of the most secretive administrations in history. Watch as Democrat Eleanor Holmes Norton defends the Obama Administration saying Americans “don’t have a right to know’ what’s going on in your government:

From TPNN:
On Friday, Eleanor Holmes Norton, the non-voting congressional representative for the District of Columbia, defended the Obama Administration angrily as she declared that Americans have no right to know what goes on in their government.
Allow me to make this clear: A Democrat representative told the House Oversight Committee that they have no right to scrutinize government. The committee, as the name would suggest, is responsible for overseeing the federal government as a check against abuses of power.
What Norton seems to have confused is that it is the very principle of scrutiny that defines a government that is equipped with a separation of powers. Each branch of government checks the power of the other branches of government.
Unbelievable. Also, check out this article:

NBC, ABC & CBS condemn attack on school in Gaza, but ignored Hamas hiding…

Still Kissing Their Messiah's  ?????

According to Newsbusters, NBC, ABC and CBS denounced an attack on a U.N. school in Gaza, but failed to report on similar U.N. schools being used to hide Hamas rockets. Naturally, the mainstream media is playing right into the hands of Hamas. Here’s a clip from NBC on the attack:
Thankfully we still have Fox News to set the record straight. Behold, the Krauthammer:
Transcript: “The U.N. workers, UNRWA, have collaborated with Hamas for years and years. They know that there are missiles in the schools, in the hospitals, in the mosques, and they know what’s going to happen. Kids will be killed and that’s going to be on television… The U.N. is so committed to the Palestinian cause, and in this case, the Hamas cause, that it doesn’t even care about appearances. And after all, who, but you, and a few other outlets, are gonna report it? How many have reported the rockets in the school?” (Newsbusters noted that none of the big three networks reported on rockets in the school)

Zing! Limbaugh Aptly Compares Obama to MSNBC's Ronan Farrow

Five years and running into the Obama presidency and Rush Limbaugh may have just come up with the best analogy for it.

On his radio show Wednesday, Limbaugh cited an awkward parallel between our gallant leader and Ronan Farrow, the lighter-than-air MSNBC midday anchor of indeterminate paternity. (Audio after the jump)
Surely I wasn't alone in laughing when I heard this (audio) --
President Obama was going to unify America, remember? Post-racial, post-partisan, a brand-new president unlike any we'd every had, and all of the old hatreds were going to vanish simply because he'd been elected as the first African-American president, the first smart one in a while, first smart Democrat president, here we are, this guy can speak well, he's very, very, very articulate, great crease in the slacks (alluding to NY Times columnist David Brooks' praising Obama's pants), he's got it just perfect. Guy won the Nobel Prize bef-, I mean, within two months. (Closer to nine months after Obama took office, but still ...).

It's kind of like, you remember this Ronan Farrow, this 26-year-old that got a show on MSNBC for having done nothing but maybe be Frank Sinatra's kid? And I don't think he was on the air two days and they gave him the Walter Cronkite Award for some sort of excellence in journalism. And it was just like how the left gave Obama the Nobel peace prize before he'd done anything and they asked the Nobel committee about this -- what do you mean, he hasn't  ... (Limbaugh mimicking Nobel committee's response) It's because of what he brings to the prospects of peace. It's because of what Obama means for the hope of the world. Right, well, where are we? The world is in flames! Obama doesn't care when you get right down to it. He got the Nobel peace prize, it's just a joke! I mean, the traditions, the institutions that used to have real meaning and real inspiration, used to really mean something, have been corrupted and watered down now to meaninglessness.
Darn, wish I'd thought of that analogy. Turns out their ratings are comparable too.

Read more: http://newsbusters.org/blogs/jack-coleman/2014/07/25/zing-limbaugh-aptly-compares-obama-msnbcs-ronan-farrow#ixzz38iqkhSLE


This was one of the dumbest things I have heard yet from this Clown! Earlier I posted a few Companies Leaving Illinois or the Country because of high taxes. I don't blame anyone for wanting to pay lower taxes to keep the money in the Company. I am sure your going to hear "Why yes, I will stay and pay higher taxes, that's not a problem"  Caterpillar has been sounding off in Illinois about the economic Problems. If they lose Cat, Central Illinois will be hurting. This Country has the highest Corporate Tax rate in the world and Obama is calling for people to stay and pay more taxes. If he keeps bringing these Illegals in who is going to pay for them? If it is the taxpayer or the "wealthy" or corporations they will get the shaft. With this Clown in Office it Looks like he don't care about anything but the elections ahead so he can keep pushing t his liberal socialist agenda. I can see why people would be watching there Dollars! In my Opinion this Clown we have running the Country is very Unpatriotic for all the Damage he is doing to the economy and right now to the States getting the Illegals!

U.S. President Barack Obama on Thursday hammered U.S. companies that avoid federal taxes by shifting their tax domiciles overseas in deals known as “inversions” and called on Congress to pass a bill to end the practice.
During remarks to a rowdy crowd at the Los Angeles Technical College, Obama promoted what he called “economic patriotism” and made clear he believed the companies that were engaging in such practices were not being patriotic. The president is in California on a three-day fund-raising swing for Democrats.
So-called inversion deals occur when a U.S. company acquires or sets up a foreign company, then moves its U.S. tax domicile to the foreign company and its lower-tax home country.
Nine inversion deals have been reached this year by companies ranging from banana distributor Chiquita Brands International Inc to drugmaker AbbVie Inc, and more are under consideration. The transactions are setting a record pace since the first inversion was carried out 32 years ago.


Kinda Scary to think about it with this Clown in Charge!