Month: October 2012

More Health-Law Changes Coming in 2013

By Avery Johnson, Wall Street Journal

Health-care reform is here to stay—for the foreseeable future. So for the millions of Americans with health insurance at their workplaces, this fall’s “open enrollment” period will be one of the most important in years.

Next year will see some of the many significant changes brought on by the Affordable Care Act, including easy-to-read plan summaries and caps on flexible spending accounts. The ability of health insurers to place limits on annual spending is also on its way out, while earlier reforms such as adding adult children to their parents’ plans offer new options to consumers.

Read More

Debate 10.11.12


While debate last night between Representative Ryan and Vice President Biden was certainly more animated than the presidential debate, it made it crystal clear the differences on healthcare under each potential administration.


There are dozens of well written commentaries this morning over who won the debate, who gave out correct/factual/truthful information and so on.  What is important for people who listen to us on the radio and visit my website is the public really did get a front row seat.


Representative Ryan’s plan will reduce the number of people able to obtain government assistance with their healthcare by drastically reducing federal spending on insurance subsidies for working families and Medicaid which under Obamacare was going to cover millions of Americans at or below the federal poverty limit.  Representative Ryan does not believe we can afford Obamacare and since Governor Romney has not given us any information on how he will reform healthcare, other than repeal Obamacare, it is impossible to know the impact.


Obamacare, through tax increases on individuals making over $200,000 and $250,000 for married couples, along with reductions in Medicare spending, will vastly expand coverage for millions of Americans.   President Obama believes we can afford to provide this vast safety net to millions of the uninsured and under insured.  Seniors will not be subjected to dealth panels.  Committees will not (and are not legally allowed) to ration care, and Medicare will be strengthened for future generations.


It is time for all of us to understand what is at stake in this election.



If you are like me and watched the debate last night you might have thought the President himself does not believe in healthcare reform –Obamacare.  I still cannot figure out why President Obama cannot connect with the public and explain to everyone why this legislation is so important.   And good.  And transformational.  While the President barely seemed to try last night, Governor Romney used every distortion possible to exploit the public perception that Obamacare is wrong for the country.

I am not going to debate Governor Romney via this blog over all the mistruths and distortions he presented last night.  What I would rather say as someone who understands the healthcare system, Obamacare, and works in the healthcare system, this is a good and workable law.   It does NOT gut the Medicare program by $750 million dollars – it extends the Medicare program for generations to come.  It does not cut services to Medicare beneficiaries, it to provides them with better quality healthcare at more affordable levels.  There are no death panels.  There are experts in the industry who are appointed to make recommendations on more efficient and less expensive healthcare.  The law specifically prohibits their ability to ration care, increase Medicare premiums/taxes, or change benefit levels.  The law expands healthcare insurance and access to millions of Americans who cannot afford healthcare or who are shut of the system because they have preexisting conditions.   I can go on and on. 

What I still do not know is what Governor Romney would do to reform the healthcare system if he is elected President.  He has said nothing that any healthcare experts or policy leaders can examine.  We know what he did as governor – he created the Obamacare.  It is always easier to destroy an idea than it is to build a good one.  But Obamacare is here!  Explaining it to the public should be a proud accomplishment.  What I saw last night was simply horrible and left Obamacare open to attack.  I hope the President asks for help preparing for the next debate.  I am ready willing and able.

This is far too important.

Pre-existing Conditions Exclusions

When HealthCare Reform goes into full effect starting January 1, 2014 no healthplan, either sold privately or through the …

Health Insurance Exchange Markets: What You Need To Know

By Susan E. Matthews, Everyday Health Staff Writer MONDAY, September 30, 2013 — Congress may still be debating particulars …

Important healthcare benefit information for federal employees

  Federal Employee Health Benefits and Healthcare Reform As it stands today only those federal employees who are members …