Tuesday, July 13, 2010

Americans Already Being Forced Out of their Health Plan Because of ObamaCare

Troubling Trend Emerges Mere Months After Passage

President Obama and Democrats repeatedly told Americans that if they liked the health plan they have, they can keep it. Sounds good. Too bad it’s not true.

As a result of the Democrats’ health care law, residents in Virginia have already lost access to one health care plan and now many residents in Maine could lose theirs as well. If this trend continues, millions of Americans will lose their health plan – something non-partisan experts repeatedly warned would happen under the law and that the Obama Administration itself has since confirmed.

Regulations Threaten Coverage for Maine Residents: Maine’s Superintendent of Insurance has written HHS Secretary Sebelius requesting a waiver from Medical Loss Ratio (MLR) requirements on the basis that complying with the Democrats’ new health law, “may disrupt our individual health insurance market.”

What does “disrupt” mean?

It means that one of the two private insurers in Maine’s individual market, for those who do not receive health insurance from their employer, will no longer offer coverage if forced to comply with the new law.

It means the new MLR requirements could eliminate the current coverage of one-third of all privately insured Maine residents who purchase health insurance on their own. For Maine residents, the fallout of the new law will leave only one private insurer and one government insurer in the individual market. So much for giving Americans more choices and power over their health care.

Elimination of Plan in Virginia Already Announced: Recently, Virginia-based nHealth announced it was shutting down its operations in response to the Democrats’ health law. A letter from the company announcing its exit from the market stated, “As I’m sure you are aware, the new federal healthcare legislation has created considerable uncertainties in the market for health insurance.” nHealth provided affordable health insurance primarily to small employers.

Becky Pollard, President of Business Solutions, an insurance broker, explained the impact on affected employers. “This is a tremendous hit to people financially. My groups are just absolutely devastated. They’re not upset with nHealth. [They’re] [u]pset with the fact that we’ve lost a choice of a health care carrier in Virginia; and one with very competitive rates.”

Employers and employees that relied on nHealth for insurance are now confronting difficult realities as a result of the Democrats’ law. One such company, Acorn Sign Graphics, had been paying a 100 percent of their 37 employees’ health premiums from nHealth. However, the company is now preparing for cost increases, as they are being forced to switch to a more expensive insurance company.

Congressional Democrats were warned about this outcome by the American Academy of Actuaries in January. In a letter to Speaker Pelosi and Senate Majority Leader Reid, the Academy, commenting on the proposed MLR requirements in health legislation warned, “Imposing such requirements could result in individual market insurers exiting the market.”

In another letter to the National Association of Insurance Commissioners (NAIC), the Academy explained the fallout for the 18 million Americans caught up in the Democrats’ ill-advised health scheme, “If some companies do exit the individual market, then those companies’ former policyholders may find themselves unable to find new coverage in the individual market for a period of years…”

So, despite the Democrats’ rhetoric, the reality is:
  • Even the Departments of Health and Human Services, Treasury and Labor now concede you can’t keep the insurance you have and like if you receive insurance from your employer.
  • You can’t keep the insurance you have and like if you are a senior.
  • And now we learn, you can’t keep the insurance you have and like even if you purchased it on your own.

Thursday, March 26, 2009

Last push for Jim Tedisco

I'd like to ask everyone who reads my humble blog to support Jim Tedisco in New York. I know you may not live in New York, but this is a huge race and could be one of the biggest measuring stick of how the current administration is doing. I saw on our Read My Lipstick Network blog that the President is involved now in trying to get the Democratic candidate elected. Imagine what would happen if the Republican won!

Go here to donate anything, any amount, nothing is too small: https://www.icontribute.us/jimtedisco/initiative/lipstick

Wednesday, February 4, 2009

JMac Politics Blog: Isakson undecided on stimulus vote

Senate Unanimously Approves Isakson Amendment to Stimulate Housing Market
Note: The most important statement in this release is the very last one (in bold, my emphasis). We need to burn up the phone lines, keep the fax machines in full gear and keep those emails zipping into his inbox. Please join in the effort to kill this bill. - jmd

The U.S. Senate today unanimously approved an amendment by U.S. Senator Johnny Isakson, R-Ga., to stimulate the nation’s declining housing market by offering a $15,000 tax credit to individuals who purchase a home in the next year.

Wednesday, January 28, 2009

The Right Commentary: The Fallacy of Deficit Stimulus

The current hypothesis about how to end the economic crisis is almost beyond comprehension - the route to economic prosperity and wealth can only be achieved through massive federal spending measures. The Federal Government has been pumping trillions of dollars into the US economy (about 9 trillion by my count) in response to the recession - banks, businesses, even taxpayers, have all received large sums of money. All of this activity is based on a simple premise followed initially by President Bush, later articulated by then President-Elect Obama, “Only government can break the vicious cycles that are crippling our economy…” Put bluntly, this proposition is completely backwards, misunderstands the nature of economic activity, and will ultimately put the country at significant risk of even greater financial difficulties, if not possibly financial collapse.

Stop the kill-America "stimulus" bill. Go to www.nostimulus.com and sign the petition or click the button on the right on the site to find contact information for your legislators. Call and tell them to vote NO.

Friday, January 23, 2009

Fighting for life

The issue of abortion is a huge divider. There isn't a middle ground. Either you believe life should be protected from the moment it sparks or you don't.

I know there are disagreements as to when life actually begins, which simply seem like semantics to justify actions to me: It's OK to abort at one month but not two, at three but not five, etc., etc.

It's an issue that isn't going to be resolved in our lifetimes no matter who passes what law.

No matter how a person feels about it, abortions are not something that tax dollars should buy. I especially do not want a nickel of MY tax dollars going to support abortion.

I'll be including some info on here at times as to what's happening on the abortion front, and where it looks like we're headed.

Obama’s Pro-Abortion Views Fuel Pro-Life Defiance in March for Life
(CNSNews.com) - The 36th annual March for Life on Thursday drew pro-life activists from around the country to a rally on the Mall and a massive march down Constitution Avenue to the Supreme Court. But this year’s event differed from those in the past as speakers and banners sent a message to President Obama -- and a signal that his election has energized the pro-life movement.

Obama to Reverse Abortion Policy on Friday
Washington (AP) - Officials say President Barack Obama will sign an executive order on Friday ending the ban on federal funds for international groups that promote or perform abortion. Pro-life groups are dismayed at the reversal of the Bush administration’s pro-life policy.

Obama Intends to Lift Family-Planning 'Gag Rule'
Wall Street Journal - USAWade
By LAURA MECKLER WASHINGTON -- President Barack Obama will issue an order restoring US funding for international family-planning groups involved with ...

Lutherans Join Pro-Life Activists, Urge President Obama to Protect the Unborn
(CNSNews.com) – Pro-life activists from around the country – gathering Thursday on the National Mall for the 36th annual March for Life – say they are worried about President Barack Obama’s pro-abortion stance.

Wednesday, January 21, 2009

Obama's Inauguration Speech

My fellow citizens:

I stand here today humbled by the task before us, grateful for the trust you have bestowed, mindful of the sacrifices borne by our ancestors. I thank President Bush for his service to our nation, as well as the generosity and cooperation he has shown throughout this transition.

Forty-four Americans have now taken the presidential oath. The words have been spoken during rising tides of prosperity and the still waters of peace. Yet, every so often the oath is taken amidst gathering clouds and raging storms. At these moments, America has carried on not simply because of the skill or vision of those in high office, but because We the People have remained faithful to the ideals of our forbearers, and true to our founding documents.

So it has been. So it must be with this generation of Americans.

That we are in the midst of crisis is now well understood. Our nation is at war, against a far-reaching network of violence and hatred. Our economy is badly weakened, a consequence of greed and irresponsibility on the part of some, but also our collective failure to make hard choices and prepare the nation for a new age. Homes have been lost; jobs shed; businesses shuttered. Our health care is too costly; our schools fail too many; and each day brings further evidence that the ways we use energy strengthen our adversaries and threaten our planet.

These are the indicators of crisis, subject to data and statistics. Less measurable but no less profound is a sapping of confidence across our land - a nagging fear that America’s decline is inevitable, and that the next generation must lower its sights.

Today I say to you that the challenges we face are real. They are serious and they are many.

They will not be met easily or in a short span of time. But know this, America - they will be met. On this day, we gather because we have chosen hope over fear, unity of purpose over conflict and discord.

On this day, we come to proclaim an end to the petty grievances and false promises, the recriminations and worn out dogmas, that for far too long have strangled our politics.

We remain a young nation, but in the words of Scripture, the time has come to set aside childish things. The time has come to reaffirm our enduring spirit; to choose our better history; to carry forward that precious gift, that noble idea, passed on from generation to generation: the God-given promise that all are equal, all are free, and all deserve a chance to pursue their full measure of happiness.

In reaffirming the greatness of our nation, we understand that greatness is never a given. It must be earned. Our journey has never been one of short-cuts or settling for less. It has not been the path for the faint-hearted - for those who prefer leisure over work, or seek only the pleasures of riches and fame. Rather, it has been the risk-takers, the doers, the makers of things - some celebrated but more often men and women obscure in their labor, who have carried us up the long, rugged path towards prosperity and freedom.

For us, they packed up their few worldly possessions and traveled across oceans in search of a new life.

For us, they toiled in sweatshops and settled the West; endured the lash of the whip and plowed the hard earth. For us, they fought and died, in places like Concord and Gettysburg; Normandy and Khe Sahn. Time and again these men and women struggled and sacrificed and worked till their hands were raw so that we might live a better life. They saw America as bigger than the sum of our individual ambitions; greater than all the differences of birth or wealth or faction.

This is the journey we continue today. We remain the most prosperous, powerful nation on Earth. Our workers are no less productive than when this crisis began. Our minds are no less inventive, our goods and services no less needed than they were last week or last month or last year. Our capacity remains undiminished. But our time of standing pat, of protecting narrow interests and putting off unpleasant decisions - that time has surely passed. Starting today, we must pick ourselves up, dust ourselves off, and begin again the work of remaking America.

For everywhere we look, there is work to be done. The state of the economy calls for action, bold and swift, and we will act - not only to create new jobs, but to lay a new foundation for growth. We will build the roads and bridges, the electric grids and digital lines that feed our commerce and bind us together. We will restore science to its rightful place, and wield technology’s wonders to raise health care’s quality and lower its cost. We will harness the sun and the winds and the soil to fuel our cars and run our factories. And we will transform our schools and colleges and universities to meet the demands of a new age. All this we can do. And all this we will do.

Now, there are some who question the scale of our ambitions - who suggest that our system cannot tolerate too many big plans. Their memories are short. For they have forgotten what this country has already done; what free men and women can achieve when imagination is joined to common purpose, and necessity to courage.

What the cynics fail to understand is that the ground has shifted beneath them - that the stale political arguments that have consumed us for so long no longer apply. The question we ask today is not whether our government is too big or too small, but whether it works - whether it helps families find jobs at a decent wage, care they can afford, a retirement that is dignified. Where the answer is yes, we intend to move forward. Where the answer is no, programs will end. And those of us who manage the public’s dollars will be held to account - to spend wisely, reform bad habits, and do our business in the light of day - because only then can we restore the vital trust between a people and their government.

Nor is the question before us whether the market is a force for good or ill. Its power to generate wealth and expand freedom is unmatched, but this crisis has reminded us that without a watchful eye, the market can spin out of control - and that a nation cannot prosper long when it favors only the prosperous. The success of our economy has always depended not just on the size of our Gross Domestic Product, but on the reach of our prosperity; on our ability to extend opportunity to every willing heart - not out of charity, but because it is the surest route to our common good.

As for our common defense, we reject as false the choice between our safety and our ideals. Our Founding Fathers, faced with perils we can scarcely imagine, drafted a charter to assure the rule of law and the rights of man, a charter expanded by the blood of generations. Those ideals still light the world, and we will not give them up for expedience’s sake. And so to all other peoples and governments who are watching today, from the grandest capitals to the small village where my father was born: know that America is a friend of each nation and every man, woman, and child who seeks a future of peace and dignity, and that we are ready to lead once more.

Recall that earlier generations faced down fascism and communism not just with missiles and tanks, but with sturdy alliances and enduring convictions. They understood that our power alone cannot protect us, nor does it entitle us to do as we please. Instead, they knew that our power grows through its prudent use; our security emanates from the justness of our cause, the force of our example, the tempering qualities of humility and restraint.

We are the keepers of this legacy. Guided by these principles once more, we can meet those new threats that demand even greater effort - even greater cooperation and understanding between nations. We will begin to responsibly leave Iraq to its people, and forge a hard-earned peace in Afghanistan. With old friends and former foes, we will work tirelessly to lessen the nuclear threat, and roll back the specter of a warming planet. We will not apologize for our way of life, nor will we waver in its defense, and for those who seek to advance their aims by inducing terror and slaughtering innocents, we say to you now that our spirit is stronger and cannot be broken; you cannot outlast us, and we will defeat you.

For we know that our patchwork heritage is a strength, not a weakness. We are a nation of Christians and Muslims, Jews and Hindus - and non-believers. We are shaped by every language and culture, drawn from every end of this Earth; and because we have tasted the bitter swill of civil war and segregation, and emerged from that dark chapter stronger and more united, we cannot help but believe that the old hatreds shall someday pass; that the lines of tribe shall soon dissolve; that as the world grows smaller, our common humanity shall reveal itself; and that America must play its role in ushering in a new era of peace.

To the Muslim world, we seek a new way forward, based on mutual interest and mutual respect.

To those leaders around the globe who seek to sow conflict, or blame their society’s ills on the West - know that your people will judge you on what you can build, not what you destroy. To those who cling to power through corruption and deceit and the silencing of dissent, know that you are on the wrong side of history; but that we will extend a hand if you are willing to unclench your fist.

To the people of poor nations, we pledge to work alongside you to make your farms flourish and let clean waters flow; to nourish starved bodies and feed hungry minds. And to those nations like ours that enjoy relative plenty, we say we can no longer afford indifference to suffering outside our borders; nor can we consume the world’s resources without regard to effect. For the world has changed, and we must change with it.

As we consider the road that unfolds before us, we remember with humble gratitude those brave Americans who, at this very hour, patrol far-off deserts and distant mountains. They have something to tell us today, just as the fallen heroes who lie in Arlington whisper through the ages.

We honor them not only because they are guardians of our liberty, but because they embody the spirit of service; a willingness to find meaning in something greater than themselves. And yet, at this moment - a moment that will define a generation - it is precisely this spirit that must inhabit us all.

For as much as government can do and must do, it is ultimately the faith and determination of the American people upon which this nation relies. It is the kindness to take in a stranger when the levees break, the selflessness of workers who would rather cut their hours than see a friend lose their job which sees us through our darkest hours. It is the firefighter’s courage to storm a stairway filled with smoke, but also a parent’s willingness to nurture a child, that finally decides our fate.

Our challenges may be new. The instruments with which we meet them may be new. But those values upon which our success depends - hard work and honesty, courage and fair play, tolerance and curiosity, loyalty and patriotism - these things are old. These things are true. They have been the quiet force of progress throughout our history. What is demanded then is a return to these truths. What is required of us now is a new era of responsibility - a recognition, on the part of every American, that we have duties to ourselves, our nation, and the world, duties that we do not grudgingly accept but rather seize gladly, firm in the knowledge that there is nothing so satisfying to the spirit, so defining of our character, than giving our all to a difficult task.

This is the price and the promise of citizenship.

This is the source of our confidence - the knowledge that God calls on us to shape an uncertain destiny.

This is the meaning of our liberty and our creed - why men and women and children of every race and every faith can join in celebration across this magnificent mall, and why a man whose father less than sixty years ago might not have been served at a local restaurant can now stand before you to take a most sacred oath.

So let us mark this day with remembrance, of who we are and how far we have traveled. In the year of America’s birth, in the coldest of months, a small band of patriots huddled by dying campfires on the shores of an icy river. The capital was abandoned. The enemy was advancing. The snow was stained with blood. At a moment when the outcome of our revolution was most in doubt, the father of our nation ordered these words be read to the people:

“Let it be told to the future world…that in the depth of winter, when nothing but hope and virtue could survive…that the city and the country, alarmed at one common danger, came forth to meet [it].”

America. In the face of our common dangers, in this winter of our hardship, let us remember these timeless words. With hope and virtue, let us brave once more the icy currents, and endure what storms may come. Let it be said by our children’s children that when we were tested we refused to let this journey end, that we did not turn back nor did we falter; and with eyes fixed on the horizon and God’s grace upon us, we carried forth that great gift of freedom and delivered it safely to future generations.