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IronLionZion

Profile Information

Gender: Do not display
Hometown: PA
Home country: USA
Current location: DC
Member since: Mon Nov 10, 2003, 07:36 PM
Number of posts: 33,226

About Me

I was born in Brooklyn, Trump was born in Queens. The only thing that makes people think I'm an H-1b stealing jobs from Americans is that my Grandparents immigrated from India, while Drumpf's immigrated from Germany. It's race, not citizenship. Americans are more diverse than you think. Millions of US citizens don't look the way you might expect. This fact is very important and will help us win elections.

Journal Archives

Small Health Insurance Co-Ops Seeing Early Success

Many of us know the names of some of the big U.S. health insurance companies — like Blue Cross, Aetna and Wellpoint. But what about CoOportunity Health, or Health Republic Insurance of New York? These are among 23 new companies started under the Affordable Care Act. They're all nonprofit, member-owned insurance cooperatives that were begun, in part, to create more competition and drive prices down.

The co-ops' rollout was funded almost entirely by federal government loans. Initial enrollment numbers for many look pretty good — but that may not be enough to make co-ops successful.

Karl Sutton, for one, says he's stoked about being able to buy health insurance through a co-op. Sutton lives in a scenic region of Montana just south of Glacier National Park, where tall, dark forests and taller mountains are blanketed white in early March.

"When you buy into a co-op, that entitles you to one vote in the decision-making, and I think it's the one business model that actually aligns with our democracy," he says. Sutton was eager to join the new Montana Health CO-OP. He thinks if members own the company, they're less likely to overuse health care — and that saves everyone money.

http://www.npr.org/blogs/health/2014/04/02/293327561/small-health-insurance-co-ops-seeing-early-success


If you want to tell big corporate insurance to go F themselves, you totally can. I think not enough DUers are aware of this. These co-ops are actually bringing down the average rates in some states where they are popular.


In Maine, the nonprofit cooperative there reportedly has as much as 80 percent of the market. Montana’s co-op has grabbed about 40 percent of the new exchange market, the co-ops in Nebraska and Iowa about 50 percent, and in Kentucky, 60 percent. (Other reports have Kentucky’s cooperative grabbing 77 percent of the sales on the exchange.) New Mexico Health Connections had some 10,000 sales as of the end of the official enrollment period.

Beyond enrollment numbers, another surprising impact has come from stimulating with monopolistic private insurers the kind of market competition that had been expected of the public option. “The co-op states have 8.4 percent lower premiums on average than the non-co-op states, across the marketplace,” reports John Morrison, who was the first president of the National Alliance of State Health CO-OPs. “So co-ops are creating that competition. They’re keeping rates down in the states they’re operating in.”

https://www.nonprofitquarterly.org/policysocial-context/23975-nonprofit-co-op-insurance-sees-successes-and-confounds-critics.html


As with many parts of this health insurance reform, the co-ops are facing a lot of opposition, lies, and blocking from the GOP who want them to fail rather than compete with the nonprofits on price and quality of service. You know, because freedom, entrepreneurship, small business, and free markets are things GOP likes to talk about but secretly oppose.

Wouldn't you like to see them succeed? I'd rather have subsidies going towards nonprofits. This kind of stuff builds up the constituency who will politically support single payer in the future.

Uninsured Who Passed on Obamacare Said it was Because of Cost but Most Didn't Bother to get a Quote


NEW YORK (MainStreet) — Uninsured Americans who passed on signing up for Obamacare say the Affordable Care Act (ACA) was anything but affordable – and the reason they didn't buy health insurance prior to this week's deadline was because of the high cost of coverage. However, most didn't even bother to get a quote or determine if they qualified for a subsidy, according to research from nonpartisan Market Strategies International.

A large majority (70%) of U.S. adults who have been without health insurance for at least six months said they didn't plan to enroll before Monday's deadline. Of those, 81% said the high cost of healthcare coverage was one of the reasons why, but less than a third (32%) had actually visited a federal or state exchange website. And 29% ignored the issue altogether, not even discussing healthcare insurance with friends or family, much less looking to obtain a quote.

The ultimate irony? Almost 85% of those saying cost was a concern would have been eligible for a subsidized plan offering a discount.

"What we found is that those individuals who were the primary reason behind the ACA and its subsidies -- the low-income, uninsured -- seem to have made the assumption that health insurance remains unaffordable to them, often without exploring whether a subsidy would help them afford it," said Susan McIntyre, managing director of healthcare at Market Strategies International.

http://www.mainstreet.com/article/family/family-health/uninsured-who-passed-obamacare-said-it-was-because-cost-most-didnt-both?puc=yahoo&cm_ven=YAHOO



The point I am making by posting this article is to show the unforgivable price of Republican bullshit. They are hell bent on confusing people and discouraging them from signing up. They can spew forth complete falsehoods with unwavering certainty. Apathy is a problem among the American people. And GOP is counting on this. They are counting on people who are too busy living life to bother checking for themselves so they go by what they hear from others. I'm talking about ordinary every day Republicans, not just the politicians and media personalities. The ones who spew forth horseshit to their friends, family, neighbors, coworkers, and anyone else.

For example, I promoted the ACA websites, phone numbers, and some basic info on how to sign up for insurance in a place that has a lot of uninsured people. I was promptly shouted down by hostile TP extremists claiming the government is going to force poor women to have abortions since its cheaper than birth and ration out care with long waits and sharing your private personal data with law enforcement and risk deportation. I couldn't believe that this info was being delivered with complete seriousness and how aggressively these guys were trying to stop people from even considering the possibility of insurance. Of course they spewed the falsehood that you don't need insurance during the open enrollment period if you're healthy, you can wait to buy it at the hospital if something happens to you.

I was able to get a handful signed up, with a few more promising to check out the websites and do their research first. There are people right here on DU who don't know that private marketplaces and brokers even exist as an alternative to the government sites.

This affects real people's lives. I challenge and remind all of you to NEVER let this type of BS go unchallenged anywhere you may see it in your personal lives. Please make sure people in your sphere of influence at least know where to get the correct info, even if you're unwilling to push them towards signing up.

Remember Medicaid signups are year round and have no deadline. People can still sign up with life changing events(birth, divorce, job change, spouse job change, adoption, etc) . And open enrollment starts up again in less than 6 months. Private exchanges and brokers exist. Some will even help with subsidies. We can bring down the uninsured rate in this country. New health care providers are opening up every day, at least in blue states like MD.

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