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Remember health insurance before Obamacare 2?
Last comment by JimmyMack 11 months, 1 week ago.

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Here’s a question for pundits and politicians outraged over people whose individual insurance plans are being canceled because they don’t meet the new health law’s standards. Have you forgotten what a nightmare this branch of health insurance was before?

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Obama says you can keep your old health plan a little longer. Should you?

To jog your memories, I dug out an article on the subject I did back in 2008. Its title: "On Their Own: Far From a Remedy, Insurance For Individuals is a World of Pain".


It featured the stories of:

The Georgia real estate agent whose group health plan was folding and who couldn’t find replacement insurance unless it excluded coverage of her $1,700-a-month rheumatoid arthritis medication, without which she would quickly become disabled.

The Arizona small business owner who could only find insurance if it excluded coverage of anti-rejection drugs he was taking for a successful liver transplant he’d had years before.

The Virginia early retiree who discovered he was uninsurable at any price because of his diabetes, despite the fact that he kept it under perfect control.

The Indiana lawyer whose longtime insurance company, following standard industry practice, deliberately shrunk his plan’s risk pool to drive his premium up to more than $4,200—a month!—and him out of the plan.

The article also featured the resuts of a survey we did, which found that 76 percent of uninsured respondents said they couldn't afford an individual plan. And the ones who were "lucky" enough to have this type of coverage didn't like it very much because it was more expensive and had more limited coverage than health plans available through an employer.

Because of the new health care law people like these, who did nothing wrong except to have the bad luck to be stranded in the individual market, can now get health coverage at a price they can afford. Insurers can’t turn them down or exclude coverage of the treatments they need the most. They can’t slice and dice risk pools to drive longtime policyholders away. They can’t charge them more because of pre-existing conditions.

I’m not the only person to call attention to this. Jonathan Cohn, writing in the New Republic, points out that “The most egregious insurance company abuses—rescinding policies for people who get sick, failing to pay for services that beneficiaries assumed were covered—usually come from the non-group market.”

So the next time you hear about someone whose individual coverage is being canceled because of Obamacare, consider that the new law is making this market work better for the vast majority of people who are either already in it or need to be in it because they have no other place to get covered.


Latest Activity: Nov 19, 2013 at 1:34 PM

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sebekm commented on Tuesday, Nov 19, 2013 at 13:39 PM

So now you are resorting to reposting entire blogs to keep yours on top?

Pathetic, PN.

PoliticsNation commented on Tuesday, Nov 19, 2013 at 13:45 PM

What's pathetic is that you would post 4 related articles to push valid information to the back of the bus. I didn't look at that way but I thought it was important to have a balanced forum.

HMJC commented on Tuesday, Nov 19, 2013 at 13:57 PM

PN, that would all be fine and dandy if obama"care" were even remotely a success. It is failing at almost every level and has no way to sustain itself except by forcing people to pay to augment someone elses medical woes. The insurance industry on any level has always been problomatic but before you make sweeping changes, flip flop on provisions,do not have a feasable way to sustain; you don't implement it period. Like it or not lately there is a disproportioned amount of FACTS about the current and long term woes of this flawed legislation. This was pushed forward based on advancing ones own agenda as oppossed to what is best for ALL Americans. It's welfare 2.0, another entititlment program that will harness generations to come.

JimmyMack commented on Tuesday, Nov 19, 2013 at 17:47 PM

PN is far from pathetic, Sebo. Conservatives are making a fatal mistake underestimating her prowess.

Funkentelecky commented on Tuesday, Nov 19, 2013 at 18:18 PM

Generally, this is the same thing Obama, Pelosi and Reid did to the public when passing Obamacare on straight partisan lines. PN isn't pathetic, but what she did was"the act" I know what's best for this forum so I'm ramming the same blog part 2 down your throats , whether you like it or not."if you like your doctor you can keep your doctor, period."

Did anyone other than Chief actually read the 3 part blog series of the 45M Who are these guys?
That series explains in detail why Obamacare was predicated upon false information.

HMJC commented on Wednesday, Nov 20, 2013 at 10:33 AM

It doesn't seem to matter how flawed it is; some choose to drink the kool-aid that does not affect them directly. Most people have a different perspective when it is their insurance doubling based on some services they will never use. It is very easy to praise a program that is not a detriment to yourself or your Familiy. As we have seen over the last two weeks the amount that obamacare is helping is drastically disproportioned to the amount is hurts. These are FACTS folks, not just an opinion however; everyone has a right to continue to believe in a lame duck program that could use a little TLC itself...

sebekm commented on Thursday, Nov 21, 2013 at 12:37 PM

"PN is far from pathetic, Sebo."

Once again you miss my point, Jimmy. I was referring to reposting this entire blog for no apparent reason other than putting it first on the site's main page.

As to the main topic, the question the vast majority of this country will be asking in a year is "Remember health insurance AFTER Obamacare???" And they won't be asking that question with tears of joy in their eyes. The next two big hits the American people and this economy will be taking as a result of ObamaCare are the loss of doctors and hospitals by the insured, and the cancellation of 50-100 MILLION employee business health care plans, which will provide the insurance companies an excellent opportunity to jack up the rates on THOSE people as well.

All of this could have, should have, and actually WAS predicted by this administration's own "experts" three years ago, and they STILL went ahead with the program. DUMB, DUMB, DUMB.

Further, they KNEW months ago that their web site wouldn't be ready for prime time on the date of the rollout - yet they STILL went ahead with it. DUMB, DUMB, DUMB.

Now they are trying to do some sort of half-fast sleight-of-hand to convince the American people that things aren't THAT bad. Just wait - they say - TRUST US -it will all work out in the end. They think the American people are so DUMB, DUMB, DUMB that they will believe this. But they're wrong, wrong, wrong. The people are starting to wise up - as indicated by the polls.

In this regard, Mr. Obama never did have the complete trust of older Americans who knew better than to believe what he was selling about ObamaCare. Now he's lost the trust of young people because they can see they are getting screwed by the program. Yesterday it was reported that now more WOMEN find him untrustworthy than who believe him. It is a statistical fact that it was women, minorities, the young, and "swing"/independent voters who put this president in office TWICE. Now he's lost a majority of all of them except minorities, who will continue to follow because he's "one of us" - despite the fact that he hasn't done anything for them lately.

HMJC is correct - lame duck is what we're going to get for three years. But as always - it didn't have to be that way. But it was up to MR. OBAMA to make it so. The failure is HIS.

sebekm commented on Thursday, Nov 21, 2013 at 12:39 PM

"Did anyone other than Chief actually read the 3 part blog series of the 45M Who are these guys?"

I doubt it, Funky. We are at the point where common sense is out the window and skin color and ideology are the order of the day. They always said this about Whitey. Now they are showing that it works both ways.

JimmyMack commented on Friday, Nov 22, 2013 at 08:53 AM

"once again you my point Jimmy." Sorry for all those misses sebe. It's difficult for me, at times, to understand playground commentary.

I will try to channel Tot.

"I was first! NO I was First! No I was First..." "You're stupid!" "No I'm not, you're stupid..."

You conservatives keep on with your Krysthal Nacht. We can take it.

JimmyMack commented on Friday, Nov 22, 2013 at 11:51 AM

"missed" my point...

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