Obamacare Will Increase Healthcare Premium Costs for 65% of Small Businesses

Didn’t Barack Obama say that Obamacare was going to lower costs … Guess who lied again?

As reported at the Washington Post and direct from CMS, The Centers for Medicare and Medicaid Services, 65% of small businesses are expected to experience increases in their premium rates while the remaining 35 percent are anticipated to have rate reductions.” According to the report, 11 million American workers will be faced with higher premiums. CMS released the report on Friday with little fanfare. Neither the HHS website nor the CMS website shows a news release or public notice about the report. Imagine that. No one is saying that there did not need to be some adjustment to the delivery system of health care insurance, however, penalizing 65% to benefit the 35% was and is not the answer.

Obama_misleader

Nearly two-thirds of small businesses that currently offer health insurance to their workers will pay more for coverage as a result of new rules in the health care law, as will millions of small-business employees and their family members, according to new estimates released by the Obama administration.

The Centers for Medicare and Medicaid Services, which has spearheaded the implementation of the law, has acknowledged that new rules requiring insurers to offer guaranteed coverage and renewal options to small employers will likely drive up the price of insurance for some companies. So will rules banning insurance companies from varying their rates based on factors like a company’s industry or the age of its employees.

“We are estimating that 65 percent of the small firms are expected to experience increases in their premium rates while the remaining 35 percent are anticipated to have rate reductions,” CMS’ Office of the Actuary wrote in a new report. Conversely, “the effect on large employers is expected to be negligible,” because most large companies run their health insurance programs in house.

Some premiums will be reduced; however, the overwhelming majority of individuals, some 11 million, will see their premiums increased. Mind you, this is just small business, we are not even discussing businesses with more than 50 employees.

Consequently, according to the estimates, which the agency says are based on industry research and conversations with insurance experts, roughly 11 million of the 17 million individuals who have health care plans through a small employer will see their premiums increase as a result of the law, while 6 million people will enjoy lower premiums.

If accurate, it would continue a steady climb in insurance costs for many small businesses. Ninety-six percent of small businesses say their premiums have increased in the past five years, with the average monthly insurance cost soaring from $590 per employee in 2009 to $1,121 in 2014, according to poll released earlier this month by the National Small Business Administration.

Imagine being penalized for having a healthy work force? One would think that programs implemented by a business like “Healthy Life”, would lower insurance premiums, not raise them. Nope, not with Obamacare. This is all part of the distribution of wealth.

The six-page document looked at companies with fewer than 50 workers that offer employee health benefits, but it calculated health care costs in a hypothetical way – leaving out the impact of government subsidies that are specifically geared for small businesses.

Without factoring in government subsidies, CMS concluded that 65% of those small businesses would see an increase in premiums.

Why? The report found that those companies had been paying below-average premiums, thanks in large part to having younger and healthier workers. But under Obamacare, neither pre-existing conditions, nor the lack of them, can influence the cost of premiums. So those small companies with healthier workers will see premiums rise to match the average for all workers.

Joe Biden Admits that ObamaCare Enrollment Numbers Might be Lower Than Projected

SURPRISE, SURPRISE, SURPRISE … Obamacare enrollment numbers are not what Obama minions have claimed. Imagine that, the Obama administration fudging the numbers?

Vice President Joe Biden admitted at a stop in Minneapolis, MN that the Obamacare enrollment numbers might be lower that projected, even as other Obama minions have been praising Obamacare enrollment. Biden stated that we might have only 5 or 6 million enrolled, rather that the 7 million that had been called a success by HHS  Secretary Kathleen Sebelius. Hey Joe, not even coming close to the signup projects when you and Obama claimed there was 50 million uninsured is a “big f’n deal”.  However, the total quantity of who signed up is immaterial. What matters in order to make Obamacare work financially is that a majority of individuals have to to youg, healthy payers, not one’s who are receiving subsidies and unhealthy.

Biden_this much

We might miss our numbers by this much …

“Initially, we talked about by the end of this period having seven million people lined up,” he told a group in a coffee shop on Wednesday. “We may not get to seven but we’re gonna get to five or six, and that’s a hell of a start with people.”

That’s quite a difference from the confident predictions last fall, just before the rollout, from Health and Human Services Secretary Kathleen Sebelius.

“I think success looks like at least 7 million people having signed up by the end of March 2014,” she told NBC last September.

However, it may not even be as high as Biden is saying, even with his lowering of the bar. It would appear that Obama’s folks are playing fast and furious with the numbers and taking credit for Medicaid signups

In its report on signups through the end of January, the administration claimed 9.6 million total had gotten health insurance — 3.3 million in the federal and state exchanges, and another 6.3 million in Medicaid, the health care program for low-income Americans.

But a nonpartisan health care firm says the number of new signups in Medicaid from ObamaCare is much lower than 6.3 million.

“It’s about 1.3 to 1.8 million people who are new to the program The rest are part of the regular churn that are in and out,” Matthew Eyeles, of the firm Avalere Health, said.

And those in the regular churn — those who come and go all the time – wouldn’t count as part of ObamaCare because they were already eligible before the health care law.

Gallup Poll: 72% Say Big Goverment is Greatest Threat to America Than Big Business or Big Labor … Total Rejection of Obama, Nanny State Liberalism

Looks like America might just know tyranny when they see it …

According to the latest Gallup poll, an astonishing 72% of Americans now say that “BIG” government is the greatest threat to America as compared with big business and big labor. WOW!!!

The PJ Tatler makes an astute observation that has a lot of merit, see the chart below and notice when the noticeable upward trend began in 2009. Hmm, what happened then? Of course this boost in Americans fear of big government has everything to do with the so-called “Hope & Change” that they voted for in electing Barack Obama. It would appear that the folks at Hot Air noticed the remarkable trajectory as well.  He promised transparency and delivered something quite different. What’s the matter America, you have a problem with the IRS enforcing Obamacare? Personally, I think they need to start including the MSM in these polls as well.

America, wake the hell up and make a stand against “BIG GOVERNMENT” liberalism or it will be here to stay. Elections matter, get out and vote against it if you feel strongly against it!!!

An Gallup_Govt Biggest Threat

Pic – Gallup.com

 

Seventy-two percent of Americans say big government is a greater threat to the U.S. in the future than is big business or big labor, a record high in the nearly 50-year history of this question. The prior high for big government was 65% in 1999 and 2000. Big government has always topped big business and big labor, including in the initial asking in 1965, but just 35% named it at that time.

The latest update comes from a Dec. 5-8 poll. Gallup has documented a steady increase in concern about big government since 2009, rising from 55% in March 2009 to 64% in November 2011 and 72% today. This suggests that government policies specific to the period, such as the Affordable Care Act — perhaps coupled with recent revelations of government spying tactics by former NSA contractor Edward Snowden — may be factors.

I would also add this upswing has in part to do with a bunch of gutless, establishment RINO’s who think that it is more important to sell ouch their Republican principles and protecting “We the People” as opposed to retain their power.

CMS Friday Document Dump: Obamacare Enrollment Error Rate on Healthcare.gov … One in Four, 25%

CLUSTERF*CK: The error rate for those enrolling in Obamacare on Healthcare.fail was so bad that CMS was forced to make the info public, of course in a Friday afternoon document dump of course.

Get a load of this America, after the Obama administration who promised us the most transparent presidency ever, refusing for weeks to tell us just how bad the extent of the back end problems of the Obamacare website truly were, provided on Friday afternoon  that 25% of Obamacare enrollments in October and November have been affected. This means that one in four of those that think they have enrolled in a plan, may have no insurance coverage on January 1, 2014. What a joke, these screw-ups actually want the people to think the new normal is a 10% error rate, as if that is a good thing?

Obama_pelosi_sebilus

Those technical bugs, separate from the troubles consumers had experienced accessing information on the website during the first two months, are posing a significant new problem for those who signed up and are expecting insurance coverage come Jan. 1.

One in four of those applications either did not get transferred to insurers, were transferred in duplicate form, or had major errors in information shared.

Insurers are supposed to receive the 834 Forms from healthcare.gov. The forms, meant to be read by computers, provide insurers with information on enrollees and what plan they have chosen. Without the information, insurers have no way of knowing who has signed up on the Obamacare exchanges and what coverage they need.

A spokesman for the Centers for Medicare and Medicaid Services on Friday suggested that the only way those who enrolled in October and November can be sure they will be covered in January is by paying their insurance bill and contacting their insurer to confirm their standing.

“I would certainly encourage any consumer that has a question of their insurance choice to contact the insurance company of their choice to get additional information,” CMS spokeswoman Julie Bataille told reporters Friday.

Oh, but do not fret, the gang that could not shoot straight have fixed the problems. How do we know that? Because our truthful president Barack Obama told us. This is the governments version of fixing the problem, now only 10% of enrollments are being affected, 10%!!! Not knowing who the 25% or 10% are, this would mean that ever individual who enrolled would have to call and make sure that they had been properly enrolled. This would completely overwhelm a customer service call center as none are set up for this type of volume.

Bataille said CMS, along with the outside firm QSSI, is working furiously to fix the back-end problems, and has succeeded in reducing the number of erroneous 834 Form communications to insurers to 10 percent of all applications.

That error rate could still be affecting a significant amount of applications, especially considering that healthcare.gov is operating much more smoothly this week and has seen its traffic spike.

The PJ Tatler discusses the Obamacare enrollment rate as being unacceptable and are 100% correct. Folks, I do this stuff for a living and deal with similar projects,  insurance data and metrics. And I will go one better, not only is 25%, 10% or 1% not acceptable in private sector, it is also not with many government contracts. I have dealt with with many government metrics that were 100% and 99.5%. If I had ever developed a process that in turn did nothing but created 25% or 10% more rework, I would have been sent packing immediately.

A 25% error rate in processing transactions is completely unacceptable. Hell, a 1% error rate would not be tolerated at any private sector firm, claims of “private sector velocity” to the contrary notwithstanding.

George Will Says on Fox News Sunday: “All Hell is Going to Break Loose’ When Employers Dump Plans Due to Obamacare

The Obamacare web site is not the problem, Obamacare is America’s problem …

On Fox News Sunday with Chris Wallace, syndicated columnist and Fox News contributor George Will discussed the the self-serving administration’s status report on Obamacare that stated its functionality was still months away. Even though they [Obama minions] declared victory on Sunday that they had met their goals. However, as the liberal MSM focuses on the Healthcare.gov relaunch, George Will points out the the worse is yet to come …  even more ominous, with potentially much larger implications, he sees on the 2014 horizon when employers start dumping employees on to Obamacare, Medicare and Medicare and “All’ Hell is going to break loose.”

VIDEO: Fox News via NRO/YouTube

The Blaze:

“100 million people get their insurance from Medicare and Medicaid, 171 million get it from their employers,” Will said. “Watch the employers. Because if they start dumping people into Medicare and into Medicaid, and the doctors then say, ‘The burdens are too high, and the reimbursement is too low, we’re not seeing Medicaid patients,’ then all hell is going to break loose.”

Full discussion of Obamacare between Fox News Sunday panel can be read HERE of Fox News senior political analyst, Brit Hume; former Democratic congresswoman, Jane Harman; syndicated columnist, George Will; and former Democratic senator, Evan Bayh.

WALLACE: An ad from Organizing for Action, the advocacy group for President Obama, pitching family talks about Obamacare this holiday season.

And it’s time now for our Sunday group: Fox News senior political analyst, Brit Hume; former Democratic congresswoman, Jane Harman; syndicated columnist, George Will; and former Democratic senator, Evan Bayh.

Well, as of midnight, I was going to say we have a new and improved, but I guess it’s an old and improved Healthcare.gov Web site that the administration is touting made dramatic progress. White House officials emphasize, though, the focus should not be on the deadline, it should be on the continuing process of getting it better and better.

Having said that, Brit, don’t they have a lot riding on how this goes, the next few weeks?

BRIT HUME, FOX NEWS SENIOR POLITICAL ANALYST: Of course. I think the website is a little better. We were on it yesterday, just to see what, you know, might be out there, what might be available. The site works better. You can get through and check plans.

Read more

Robert Gibbs on Obamacare Failure: “I Think If This Were to Happen in the Private Sector Some One Probably Would Have Already Lost Their Job”

Don’t look now but former White House spokesman Robert Gibbs has become one of Barack Obama’s and Obamacare’s biggest critics. The former Obama mouth piece  told The Today Show that Barack Obama should have fired someone already over the disastrous Obamacare roll-out. Gibbs stated, ”I think if this were to happen in the private sector some one probably would have already lost their job.”

However, its not just about a web site. As was stated there are two core issues at hand here, one the competence of the government with the disastrous, glitchy Healthcare.gov and two, Barack Obama’s credibility having lied to the American people by promising if you like your healthcare, you can keep your healthcare. This is not the first time Gibbs has spoken out against the failed Obamacare. Gibbs had previously said that to sell Obamacare as  “you can keep your health care insurance” was a big mistake. and that the Obamacare roll out was nothing but “Excruciatingly Embarrassing.” Gibbs has voiced the opinion for a while that some one needs to be fired.

I would go one further Mr. Gibbs. I would dare say that if this was the private sector and some one had perpetrated a “bait and switch” malicious fraud on so many individuals as Barack Obama did with Obamacare, some one would have been indicted on felony fraud charges.

Henry Chao, HealthCare.gov’s Chief Project Manager at CMS Says He Never Saw Memo Uncovered Warning Of “Limitless” Security Risks Of Obamacare Website

The roll-out of Obamacare has gone from complete incompetence to a full blown scandal …

CBS BOMBSHELL …

Henry Chao, HealthCare.gov’s chief project manager at CMS  in charge of building the federal health care website  testified for nine hours behind closed doors to the House Oversight Committee in advance of this week’s hearing that he was kept in the dark about serious failures in the website’s security. Chao stated that he was unaware of a September 3 government memo written by another senior official at CMS that found two high-risk issues. In fact he testified that he had been told just the opposite. Chao is the individual who gave the go ahead for Healthcare.gov to go live on October 1, 2013; however, it appears that the person in charge of the project was kept in the dark. Chao testified that it was the first time he saw any such memo that said “the threat and risk potential (to the system) is limitless. When asked whether he was surprised he never saw any such memo he replied, “Yeah … I mean, wouldn’t you be surprised if you were me? It is disturbing. I mean, I don’t deny that this is … a fairly nonstandard way” to proceed.

Obamacare_memo2

How does somebody not tell the project manager of system vulnerability findings? Someone is either lying or purposely set out to mislead to make sure this was implemented on time irregardless of the risks. The real question is did the Obama administration know this and were they directing the implementation be on time at all cost? Sorry folks, I am a healthcare project manager and I have never heard of anything like this. Heads would roll if anything remotely like this occurred.

“What I recall is what the team told me, is that there were no high findings,” he said.

Chao testified security gaps could lead to identity theft, unauthorized access and misrouted data.

According to federal guidelines, high risk means “the vulnerability could be expected to have a severe or catastrophic adverse affect on organizational operations … assets or individuals.”

Obamacare_memo3

The author of the security memo in question, Tony Trenkle, retired from CMS last week. Hmm, so did he retire, did he just have enough, or was he forced out?

The CIO for the Centers for Medicare & Medicaid Services, Tony Trenkle, is leaving CMS, the agency embroiled in the ill-fated rollout of government’s Healthcare.gov insurance marketplace website.

Trenkle, who directs CMS’s Office of Information Services and oversees $2 billion in annual IT spending at CMS, is departing effective Nov. 15 to take an undisclosed position in the private sector. His departure was announced in an internal agency memo released today from by CMS chief operating officer Michelle Snyder.

Must see VIDEO that ALL  should watch of the risk that Obama and his minions put “We the People” in by accessing Healthcare.gov to the “Limitless” Security Risks

CBS News:

CBS News has learned that the project manager in charge of building the federal health care website was apparently kept in the dark about serious failures in the website’s security. Those failures could lead to identity theft among buying insurance. The project manager testified to congressional investigators behind closed doors, but CBS News has obtained the first look at a partial transcript of his testimony.

Henry Chao, HealthCare.gov’s chief project manager at the Centers for Medicare and Medicaid Services (CMS), gave nine hours of closed-door testimony to the House Oversight Committee in advance of this week’s hearing. In excerpts CBS News has obtained, Chao was asked about a memo that outlined important security risks discovered in the insurance system.

Chao said he was unaware of a Sept. 3 government memo written by another senior official at CMS. It found two high-risk issues, which are redacted for security reasons. The memo said “the threat and risk potential (to the system) is limitless.” The memo shows CMS gave deadlines of mid-2014 and early 2015 to address them.

Virginia Democrat Calling For Forcing Doctors To Accept Medicare And Medicaid Patients

Welcome to Obamaland: This is still America, isn’t it … For Democrats woman have the right to choose for an abortion, but doctors should be forced to accept Medicare and Medicaid, UNREAL!

Virginia Democrats are calling the forcing of all doctors to accept Medicare and Medicaid. Unbelievable, but this is what we get these days from a ‘Gestapo-like’ government that believes in forcing people into doing things when it comes to healthcare. Remember when “We the People” thought it was unheard of to think that the Obama regime could force Americans to buy insurance? Currently physicians have the option of accepting Medicare and/or Medicaid patients. Many physicians do not because of the low reimbursement rate, especially with Medicaid. Imagine being paid $12 for an office visit? It is actually for profitable to see a Medicaid patient for free. However, Democrats now want to force doctors to accept government healthcare. What has happened to this country? These people will not be happy until they destroy the healthcare system in this country and force a single payer system upon us.

The Weekly Standard asks, could Obamacare affect Tuesday’s Virginia gubernatorial election and sink poll leading Democrat nominee, McAuliffe?

Obamacare_sideaffects

From The Mason Conservative:

Kathleen Murphy, Democrat running for the House of Delegates against Barbara Comstock, telling a forum in Great Falls that she believes it should law to force doctors to accept Medicare and Medicaid patients.  Forced by government decree, mind you.  A birdie sent me this:

FYI last night at the Great Falls Grange debate, Democrat delegate candidate Kathleen Murphy said that since many doctors are not accepting medicaid and medicare patients, she advocates making it a legal requirement for those people to be accepted.

She did not recognize that the payments are inadequate to cover the doctors’ costs.  She also did not recognize there is a shortage of over 45,000 physicians now and that it is forecast to be 90,000 in a few years.

Democrats appear to want to make physicians slaves of the state, but Democrats don’t admit they would just drive more doctors out of practice into retirement and other occupations.  The Obamacare law and regulations are causing millions of people to lose their health insurance, drop many doctors and hospitals. The HHS internal forecast is 93 million Americans would lose their health insurance due to the Obamacare law and rules about adequacy of insurance. (more)

As discussed at Legal Insurrection, one of the consequences of Obamacare is the millions of individuals going to be enroll in Medicaid. So now there will be an even greater percentage of the healthcare pool where healthcare reimbursements do not cover costs.

The great Obamacare reform is turning into the great thrust of tens of millions of people onto Medicaid.

The problem is, fewer and fewer doctors are willing to take Medicaid patients because the reimbursements are so low.

I have met numerous doctors who tell me they either refuse Medicaid patients or restrict them because the reimbursements do not cover their costs.  They also double and triple book, because so many Medicaid patients who make appointments don’t show up.  As to Medicare the payments currently are bearable, but only because private insurance payments for other patients make up the shortfall.

Increasingly, doctors are abandoning the government payment train wreck, and going all cash or some hybrid.  This all was foreseeable and was foreseen.

HIPAA Be Damned … Obamacare’s HealthCare.gov Users Warn of Security Risk, Breach of Privacy

What else could this disastrous web site possibly do wrong?

Obamacare’s Healthcare.gov website discloses eligibility letters written to other applicants. Hmm, thanks for the break of privacy of unsuspecting individuals who signed onto Healthcare.gov.  The security flaw disclosed eligibility letters addressed to individuals from another state. Just curious, was a data disclosure made to HHS in compliance with HIPAA privacy rules like many healthcare government contractors are supposed to do within a specified amount of time? Or do your own rules not apply to yourself?

As reported at The Weekly Standard, below is a screen shot of one of the “eligibility letters” he wasn’t supposed to receive.

Obamacare_eligibility letters

From The Foundry:

Justin Hadley logged on to HealthCare.gov to evaluate his insurance options after his health plan was canceled. What he discovered was an apparent security flaw that disclosed eligibility letters addressed to individuals from another state.

“I was in complete shock,” said Hadley, who contacted Heritage after becoming alarmed at the breach of privacy.

Hadley, a North Carolina father, buys his insurance on the individual market. His insurance company, Blue Cross Blue Shield of North Carolina, directed him to HealthCare.gov in a cancellation letter he received in September.

After multiple attempts to access the problem-plagued website, Hadley finally made it past the registration page Thursday. That’s when he was greeted with downloadable letters about eligibility — for two people in South Carolina.

The document shows that administration officials at the Centers for Medicare and Medicaid Services were concerned that a lack of testing posed a potentially “high” security risk for the HealthCare.gov website serving 36 states.

Security Risk

Last week, the Associated Press disclosed a government memo revealing the “high” security risk for HealthCare.gov. Those concerns surfaced at Wednesday’s hearing with HHS Secretary Kathleen Sebelius, who claimed the system was secure.

HHS spokeswoman Joanne Peters told the AP, “When consumers fill out their online … applications, they can trust that the information they’re providing is protected by stringent security standards and that the technology underlying the application process has been tested and is secure.”

However, that didn’t stop members of Congress from voicing alarm.

“You accepted a risk on behalf of every user … that put their personal financial information at risk,” Representative Mike Rogers (R-MI) told Sebelius. “Amazon would never do this. ProFlowers would never do this. Kayak would never do this. This is completely an unacceptable level of security.”

The Finger Pointing Begins … ObamaCare Website Contractors CGI Federal & QSSI Blame Obama Administration for Healthcare.gov Fiasco

All for one and one for all, never mind, scratch that.

Its ever man for themselves as the finger pointing begins as who is to blame for the Obamacare website rollout disaster. ObamaCare Website Contractors, CGI Federal and QSSI, are firing back at the Obama administration and saying they are to blame for the Healthcare.gov website debacle. The blame game has begun; however, in the end the buck stops with Barack Obama and his signature piece of legislation. HHS secretary Sebelius was in essence the project lead and was responsible for the contractors work was up to snuff. Obama is in charge of Sebelius. So no matter how anyone wants to deflect blame from Obama, this is on him.

Obama_handonforehead

This is why you never allow someone unqualified to run a country … And you voted him in twice, good grief!!!

Principal contractors hired to build the ObamaCare website HealthCare.gov are hitting back at the Obama administration for the site’s overwhelming technical problems.

Executives from CGI Federal and QSSI—the site’s main contractors—are among four companies testifying before the House Energy and Commerce Committee Thursday on the glitches.

The Department of Health and Human Services (HHS) “serves the important role of systems integrator or `quarterback’ on this project and is the ultimate responsible party for the end-to-end performance,” CGI’s Senior Vice President Cheryl Campbell said in prepared testimony, according to the Associated Press.

“No amount of testing within reasonable time limits can adequately replicate a live environment of this nature,” she added.

Campbell also said, according to The New York Times, that all of CGI Federal’s work was done “under the direction and supervision” of the Centers for Medicare ad Medicaid Services.

The report notes she blames “another contractor” for customers’ problems creating secure password-protected accounts, but didn’t identify the group.  The Times said government records show QSSI had that responsibility.

Andy Slavitt, who represents QSSI’s parent company, said he also blamed the administration for the late decision to require consumers to create accounts before they could actually browse health plans. That change, he said, contributed to the overload.

Congressional Hearings on Healthcare.gov problems today.

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