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Five Myths About Obamacare You Probably Believe
Last comment by Funkentelecky 5 years, 1 month ago.

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Misconceptions and myths about the Affordable Care Act (ACA; aka Obamacare) abound. That’s not good, says Ron Pollack, the head of Families USA, an advocacy group based in Washington, D.C. That’s why Pollack’s group recently put together a list of myths, along with the correct information, about this important law and the changes it will soon bring:

A Quickie Guide to Obamacare: Four Big Changes You Need to Understand

Myth #1: Starting in 2014, everyone must either have health insurance or pay a penalty—no exceptions.

Truth: The following groups are exempt from the ACA requirement to have coverage:
People who are not required to file taxes are exempt. People with a legitimate religious reason for not believing in insurance. Members of Indian tribes. People who go without coverage for less than three months. People who truly cannot afford to purchase coverage. (Health insurance premiums cannot cost more than eight percent of a family’s income to be considered “affordable.”) There is also a general hardship exemption that covers unusual circumstances. For example, a family with unexpected costs associated with a natural disaster could be exempt.

Also, you don’t have to have coverage through an insurance marketplace to fulfill the requirement. You could get your health insurance through public or private coverage, a job, the military if you’re enlisted, or a veterans’ plan.

10 Things Your Health Insurance Plan Will Soon Have to Cover

Myth # 2: If you’re insured through your employer, Obamacare won’t help you.

Truth: The healthcare law provides many new protections to those who already have health insurance through their jobs, and it also gives employers incentives to offer better coverage. Here are some of the things that are required, starting in January 2014:
No annual or lifetime limits on the dollar amount your plan will pay for medical care Access to preventive health services with no cost-sharing (i.e., no co-pays) Coverage for dependents under the age of 26 (on their parent’s plan) The right to choose your primary healthcare provider and to see pediatricians and obstetricians/gynecologists without a referral The right to appeal coverage denials to an independent reviewer outside your plan Protection against unfair premium increases and rebates to you or your employer if your health plan spends less than 80 percent of premium dollars on healthcare services. Access to summaries of your plan’s benefits and costs in simple, plain language to help you understand your coverage and compare coverage options.

Bad News: Obamacare Is Going to Make the Doctor Shortage Worse

Myth #3: All businesses will be required to provide health insurance to their employees.

Truth: This is simply not true. The “shared responsibility” requirements in the Affordable Care Act apply to employers with at least 50 full-time employees. These large employers may have to pay a penalty if they don’t offer coverage to their full-time employees. The majority of American small businesses don’t have 50 employees.

Smaller employers will have new opportunities to purchase health insurance for their workers, but they are not required to provide this coverage. Under the Affordable Care Act, businesses with fewer than 25 full-time employees may already qualify for a healthcare tax credit to help them with the cost of health insurance for their workers.

Myth #4: Undocumented immigrants will receive federal aid to buy health insurance.

Truth: Undocumented immigrants are not eligible for either Medicaid or the new tax credits that will help pay for private insurance.

Need Health Insurance? This is How You Get It Under Obamacare

Myth #5: My state isn’t setting up its own health exchange, so it’s exempt from Obamacare.

Truth: If a state doesn’t set up its own health exchange the federal government will ensure that consumers in that state still have a place to get insurance by setting up an exchange for the state.

All of the other important consumer protections in the Affordable Care Act—like the prohibition on discrimination based on pre-existing conditions; the option for young adults to stay on their parent’s plans until they turn 26; and access to recommended preventive services with no copayments—will still apply to that state.

“Health reform is such a contentious issue and so complex that it’s no wonder people fall prey to myths about the law,” says Carrie McLean, senior manager of customer service at eHealthInsurance.com. “We talk to thousands of health insurance shoppers every day at our call center and we know they’re confused about who qualifies for coverage, how affordable it will be in 2014, and where they’ll be able to buy it.”

As 2013 moves along, you can expect to see more and more news stories, over every medium, about the changes that are coming with the ACA. And though you may be tempted to bury your head in the sand (we understand; it’s confusing), try to pay attention.

And since you probably don’t need to worry about smaller changes, here’s a timeline of the bigger ones you can tape to the fridge:

· July 1, 2013: State call centers open to answer your questions about health insurance options in your state.

· October 1, 2013: State health insurance exchanges in all 50 states begin enrolling new members,

· January 1, 2014: Health insurance coverage under the Affordable Care Act begins.

Of course, the law is not perfect. It’s complicated and some of the materials could definitely be more user-friendly. And there are some glitches in the way the law was written that could price some people out of the market for coverage, even though the whole goal was to not have that happen. (To change that provision, and perhaps some others, will require news laws to be passed by Congress.)

Why Panic and Greed Are Driving Up Your Health Insurance Costs

Thankfully, experts, including policy specialists at advocacy firms such as Families USA, are currently compiling lists of needed improvements to review with the Secretary of Health and Human Services (HHS will oversee the ACA changes).

And as imperfect as the law is, much of it does go far in helping provide affordable coverage to more Americans, in a fairly simple manner. “Each [state] marketplace will offer insurance shoppers a variety of tools, such as a consumer-friendly website, a toll-free hotline for assistance, and a network for one-on-one assistance—all intended to help the residents of that state find and purchase the quality, affordable health insurance policy that best suits their personal or family needs,” explains Families USA’s Ron Pollack.


Latest Activity: Apr 03, 2013 at 7:53 PM

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Funkentelecky commented on Wednesday, Apr 03, 2013 at 22:43 PM

We shall see after some insightful research?

Funkentelecky commented on Wednesday, Apr 03, 2013 at 22:48 PM

Remember what Nancy Pelosi said, we must pass the bill to see what's in it. After 3 years and over 2700 pages we still don't know the actual deal of the bill proclaiming to be affordable.

gacpl commented on Thursday, Apr 04, 2013 at 08:47 AM

the only thing we really know about it so far is they expect it to raise enough money to pay for 11,000 new IRS agents to collect moneys for it. and a lot of employers are dropping full time employees to part time, a loss of at least 10 hours a week. so basically a lot of people that can't afford to loose pay will, and they get to pay new taxes. health insurance has no value if you can't afford to pay your rent or put food on your table.

Funkentelecky commented on Thursday, Apr 04, 2013 at 10:57 AM

Top 5 Reasons Obamacare Is Bad for Doctors

The Supreme Court’s Obamacare decision is expected next week, but it’s important to remember that the constitutionality of the law’s individual mandate isn’t the only concern. Several surveys have revealed that doctors have a negative view of the law and its impact on the practice of medicine. Here are five ways Obamacare will harm doctors:

1.Adds more patients to Medicaid. Beginning in 2014, Obamacare dumps an additional 19.6 million Americans into Medicaid. On average, Medicaid physician payments are only 56 percent of what private insurance pays. Lower payment rates already discourage doctors from accepting Medicaid beneficiaries, which has lead to access issues and hospital emergency room overcrowding. As more patients enroll in this broken program, it will place even more financial strain on physicians who treat them. Doctors will be faced with the decision to either discontinue treating Medicaid patients or accept even more patients at the lower payment rate.

2.Leaves the flawed Medicare payment formula on the books. Every year, doctor payments face the threat of deep cuts due to the Sustainable Growth Rate formula, which governs the growth of Medicare physician payments from year to year. But it’s well known that such drastic provider payment cuts would harm seniors’ access to care, and Congress has passed a last minute “doc fix” each year since 2003 to avoid this. Still, an estimated payment reduction of 27 percent is scheduled to go into effect next year unless Congress passes another doc fix, which will cost an estimated $208 billion. This problem faces doctors and Congress every year, and Obamacare does nothing to solve it.

3.Creates a new board to further cut provider payments. Obamacare uses the Independent Payment Advisory Board (IPAB), a board of 15 unelected bureaucrats, to contain cost growth in Medicare by finding ways to cut spending to meet a new budget target. The board is limited in how it can achieve its goal, but one avenue definitely available is to further ratchet down provider payments. As IPAB cuts reimbursements, seniors will experience growing access problems as doctors discontinue seeing Medicare beneficiaries. If IPAB elects to limit seniors’ access to certain treatments and services—which is also within its abilities—patient choice and physician autonomy will also be sacrificed.

4.Exacerbates future physician shortage. America is projected to face a shortage of 91,500 doctors in 2020. Meanwhile, many surveys have concluded that American doctors have a negative view of Obamacare and its impact on the medical field. One survey found that Obamacare is motivating 43 percent of doctors to move up their retirement within the next five years. This will intensify the already existing doctor shortage.

HMJC commented on Thursday, Apr 04, 2013 at 11:01 AM

So...at the end of the day, those that could not afford healthcare to begin with; still will not be able to afford healthcare. All obomacare does is force more people to pay into the system that previously made a personal choice not carry health insurance. With that said, the insurance industry does need some regulation. It just seems unfortunete that the tax payer has to bear that burdon.

Funkentelecky commented on Thursday, Apr 04, 2013 at 11:01 AM

5.Destroys the doctor-patient relationship. Obamacare’s massive amount of red tape and regulations will tear apart the doctor-patient relationship. Doctors will have to focus increasingly on government rules rather than the specific needs of their patients. Heritage’s Bob Moffit warns that Obamacare’s great expansion of government coverage will make physicians “increasingly dependent on unreliable government reimbursement for medical services.” In addition, Obamacare links payment for providers to adherence to government measurements of care. A recent doctor survey found that 67 percent of doctors surveyed said Obamacare would not improve the doctor-patient relationship.

As Moffit states, “No class of American professionals will be more negatively impacted by [Obamacare] than physicians. To watch Heritage’s video of one doctor’s personal experience with Obamacare.


This bill is too full of government red tape and the unintended consequences that abound that always bites the taxpayer in the tail. However how is this monstrosity going to work if we don’t have enough doctors to provide the services needed; see reason number four above and this link from PN’s post below.

This link is posted under Myth 2 of PN’s post and we have the left hand and the right hand in agreement see:


I found this link because I just wanted to give an example of how anyone can just find an article that they agree on and then post it as facts without any research and I stumbled upon a truth and fact of the bill. Facts 1-Obamacre-0

HMJC commented on Thursday, Apr 04, 2013 at 13:52 PM

There is also an article that refers to the 61 page application for obamacare.

PoliticsNation commented on Thursday, Apr 04, 2013 at 18:54 PM

I agree, the POTUS should have spent his first term pushing bills that would have created jobs and focused more on the economy. Health care is a major issue but it seems that money and lack of resources are hurting the country more. I support the POTUS health care plan. However, I feel he may have received more support if he would have pushed the health care issue his 2nd term.

Funkentelecky commented on Thursday, Apr 04, 2013 at 18:56 PM

Here is the state of the economy on April 4th 2013:

National debt; 16.7T
Debt per person; 53,000
Federal spending; 3.6T
Federal revenue; 2.5T
Federal deficit; 1.1T
U3; Official unemployed 12.3M
U6; Total unemployed 22.2M
US Work Force; 144M


Here is the state of the economy on April 4th 2008 when GWB was President.

National debt; 9.6T
Debt per person; 32,000
Federal spending; 2.8T
Federal revenue; 2.5T
Federal deficit; 238B
U3; Official unemployed; 8.5M
U6; Total unemployed; 13.4M
US Work Force; 146M


Chief you are 100% correct, the President didn’t do his job and fix the economy, now we have Social Security Medicaid, Medicare and now Obamacare draining the life-force of the economy.

Social Security, Medicaid and Medicare were passed into law constitutionally; however these programs should have stayed at the state level according to the constitution and the 10th amendment.

Obamacare was passed by reconciliation and then upheld by the Supreme Court because of Congress authority to tax, thanks to John Roberts.

Defense falls under Federal jurisdiction and IMHO, should be the last place for reform and cuts not the 1st.

Remember this:


Is it fair game for the next Republican nominee to attack the Democrat nominee like BHO did here even though Bush wasn’t on the ticket?

PoliticsNation commented on Thursday, Apr 04, 2013 at 19:02 PM

Funk, let's be fair. The President is still paying for 2 wars that were charged on the credit card and the damage that was done under the Bush Era. Yes, he has created debt too. We were losing thousands of jobs by the day and the stock market crashed...The stock market is doing better than it has in years.

gacpl commented on Thursday, Apr 04, 2013 at 20:01 PM

he's still paying on two wars that he voted for. so don't pass all the blame. bush went to congress and the senate. he didn't do it under handed like that way Obama care was shoved down our throats. i still remember Pelosi saying "you have to vote for it to know what's in it."

PoliticsNation commented on Thursday, Apr 04, 2013 at 20:20 PM

Barack Obama voted against the War in Iraq. Obama has a long-standing opposition to the war. You may want to check your facts..You may also want to re-read my post..."Yes he created debt too"..I apologize but you are off the mark on this one...

Funkentelecky commented on Thursday, Apr 04, 2013 at 20:55 PM

gacpl, PN is right the War in Iraq was voted on in 2002. President Obama was a State Senator for Illinois, he didn't become a US Senator until 2005. This is one of the main reasons why he isn't a good President or leader "EXPERIENCE"

Funkentelecky commented on Thursday, Apr 04, 2013 at 20:58 PM

PN, research is hard work and I'll address your comment posted at 19:02 tomorrow, it's exstensive :D

Funkentelecky commented on Thursday, Apr 04, 2013 at 21:00 PM

PN, BTW gacpl is right about the President shoving Obamacare down our throats and you should be disappointed at it too!

Funkentelecky commented on Thursday, Apr 04, 2013 at 21:36 PM

OOOpps, PN Barack Obama didn't vote against the War in Iraq because he was a State Senator for Illinois; however he has always advocated against it :D

Funkentelecky commented on Friday, Apr 05, 2013 at 11:48 AM

Funk, let's be fair. The President is still paying for 2 wars that were charged on the credit card and the damage that was done under the Bush Era. Yes, he has created debt too. We were losing thousands of jobs by the day and the stock market crashed...The stock market is doing better than it has in years.

PN, I’m being very fair on April 5, 2000 Defense Spending was 302B and on April 5, 2008 it was 584B an increase of 282B in 8 years which didn’t cause the economic catastrophe as BHO would wish you to believe. During this same time span Social Security was 392B to 589B an increase of 197B, Medicaid/Medicare was 322B to 634B and increase of 312B. So as you can see the major factors of our deficits is the Federal Government spending more than we produce and the failures on SS, Md and Mc. According to the Constitution and the 10th Amendment, these programs should only be run at the State level. Defense/Wars are a Federal responsibility held by Congress, Article 1. Section 8 of the US Constitution and that is why I support cuts everywhere; however this should be the last place to do it not the 1st. Study the debt clock closely and check the listed sources if you need to. The unemployment rate decreased again to 7.6%; however only 88T jobs were created, does this sound right to you it takes about 120T jobs to keep up with population growth so how did the rate go down, 500T people dropped out of the work force that’s how. If you examine the U6 number that is the actual amount of unemployed at 22.3M according to the BLS. President Obama has changed the way to count unemployment to give you a false sense of security. There is a 10M person difference of the U3 number 12.3 and the U6 22.3. Use the time clock and go back to 2000, 2004 and 2008 and you will see that I’m telling the truth as you will see a 4-5 M difference during that period. If the rate was counted the same as under Clinton and Bush the rate would be over 11%. Yes the stock market is doing fine and this is another way to give America a false sense of Security through Quantitive Easing (Printing Money) we really don’t have. Dr. Thomas Sowell explains it here; please listen with an open mind:


And here’s an article by him explaining Quantitive Easing:


Funkentelecky commented on Friday, Apr 05, 2013 at 11:49 AM

And since GWB was President during the economic meltdown, I acknowledge that he bear responsibility for it; however his economic policies didn’t cause it. If he could have been more influential to Congress; especially the Democratic side it could have been prevented. After Nancy Pelosi took over Congress in January 2007 it was over and the collapse was inevitable. GWB warned Congress to regulate Fannie Mae because bad lending practices to citizens that couldn’t afford a home and then they sold the toxic GSE’s to the private market which caused the virus and thrashed the economy. The program is called the Housing Reinvestment Community Act which was originated by Jimmy Carter and then reinforced by Bill Clinton in 1999. Bush recognized the problem and couldn’t get the Democrats to support his efforts to regulate Fannie Mae. Take a look at the Democrats blocking the regulation of Fannie Mae in 2004:


Here’s a Fox News post corroborating the whole story showing GWB and Republicans attempting to regulate:


And here is the reason you think Bush was so bad when he left office, please read these facts carefully with an open mind:


This is the reason for the financial crisis, and unless you are open to different opinions, aspects and sources your decisions and perspective will be flawed; however it is yours!

Funkentelecky commented on Saturday, Apr 06, 2013 at 23:02 PM

George W. Bush wasn't perfect; however the financial crisis was not a cause of his economic policies but stems from the gridlock in Washington by Progressives Republican and Democrats who will not triangulate the best ideas of each party to facilitate success for our country, like Ronald Reagan and Bill Clintons administrations have demonstrated in recent history.

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