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Affordable Care Act is nothing more than a “Tax” ,and not health Insurance

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the staff of the Ridgewood blog

Ridgewood NJ, Senate Democrats made the Affordable Care Act the centerpiece of their effort to block the confirmation of Judge Amy Coney Barrett to the Supreme Court on Monday, portraying her as a threat to the landmark health care law passed more than a decade ago.

The silly fear mongering  hits the media ,”As the U.S. Supreme Court hears the latest challenge to the Affordable Care Act, health coverage for 800,000 New Jersey residents is at stake.”

Continue reading Affordable Care Act is nothing more than a “Tax” ,and not health Insurance

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The New Jersey Business & Industry Association: Health Insurance Surcharge Will Make Healthcare less affordable

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the staff of the Ridgewood blog

 

Trenton NJ, The New Jersey Business & Industry Association is urging the Assembly Appropriations Committee today to vote against a proposed $300 million health insurance tax that would increase costs for businesses, nonprofits and ultimately all employees who pay a portion of their healthcare premiums.

Continue reading The New Jersey Business & Industry Association: Health Insurance Surcharge Will Make Healthcare less affordable

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Obamacare Medical Device Tax Sent Domestic Production Overseas Leaving US Vulnerable

 the staff of the Ridgewood blog
Ridgewood NJ,  according to the Johns Hopkins Center for Health Security the US government officials, including representatives from the Department of Homeland Security and US President Donald Trump, have confirmed that the Strategic National Stockpile (SNS) is running low on supplies and equipment. The SNS maintains inventory of a myriad of supplies and equipment—including pharmaceuticals, personal protective equipment (PPE), and ventilators—for rapid deployment during emergencies; however, it “was never…designed to fight a 50-state pandemic.” While products are being shipped to states and health systems directly from manufacturers and distributors in the commercial market, states are still struggling to obtain necessary supplies and equipment. There are numerous reports that states are bidding against each other, as well as foreign competitors, to secure materiel to support their response activities, and multiple governors have called on the federal government to provide additional support. The US government has reportedly shipped millions of pieces of equipment and other supplies nationwide, but it appears that the available inventory has been insufficient, and domestic production has not scaled up quickly enough to meet the existing demand. As the US epidemic continues to grow, so too, will the demand, which will inevitably place even more strain on existing resources.

Continue reading Obamacare Medical Device Tax Sent Domestic Production Overseas Leaving US Vulnerable

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According to Study : New Jersey Is 2020’s 6th Worst State for Doctors

the staff of the Ridgewood blog

Ridgewood NJ, With doctors on the front lines against the threat of coronavirus, National Doctors’ Day coming up on March 30 and “physician” being the highest-paid job of 2019, the personal-finance website WalletHub today released its report on 2020’s Best & Worst States for Doctors as well as accompanying videos.

Continue reading According to Study : New Jersey Is 2020’s 6th Worst State for Doctors

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Governor Murphy Signs Legislative Package Protecting the Affordable Care Tax in New Jersey

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the staff of the Ridgewood blog

Trenton NJ, Governor Phil Murphy today signed a package of bills to safeguard the provisions of the Affordable Care Act (ACA) in New Jersey. The bills, which will codify into state law the basic protections for health care consumers that are part of the Affordable Care Act, include protections for no-cost preventative care and contraception, prohibit exclusions for pre-existing conditions, allow children to stay on their parents’ plan until age 26, and incorporate mental health and maternity care as part of essential benefits, among others. The Governor highlighted the importance of these bills during an armchair discussion with Hackensack Meridian Health Chief Executive Officer Bob Garret.

Continue reading Governor Murphy Signs Legislative Package Protecting the Affordable Care Tax in New Jersey

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Federal appeals court strikes down ObamaCare’s key funding mechanism known as the individual mandate

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 the staff of the Ridgewood blog

Washington DC, A federal appeals court upheld a lower court’s ruling that a key aspect of the ObamaCare law is unconstitutional ,setting up another likely Supreme Court showdown in a presidential election year.

The 5th Circuit U.S. Court of Appeals concluded by a 2-1 vote the original law’s key funding mechanism known as the individual mandate requiring most Americans to purchase health insurance or face a tax penalty . The original Supreme Court ruling  rule the individual mandate was a “tax “.

Continue reading Federal appeals court strikes down ObamaCare’s key funding mechanism known as the individual mandate

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The Affordable Care Act has been anything but affordable

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Heather Darling, a Lawyer from Morris County 

Ridgewood NJ, Obamacare has been an epic fail for many who had insurance. The Affordable Care Act has been anything but affordable for those of us paying in part or in full for our own Healthcare. For many, basic health care previously covered by insurance is now approaching prohibitive cost levels. Although insurance was previously expensive, after payment for insurance was rendered the cost of medical care itself was substantially covered by the insurance company.

Shortly after Obamacare was introduced, many did see a significant reduction in their premiums. However, there was an equal and sometimes greater increase in their out-of-pocket costs after the care was rendered. Over a short period of time, premiums increased to pre-Obamacare levels and the out-of-pocket costs continue to climb. These facts alone indicate that the program was overreaching and a failure.

Additionally, here in New Jersey, those such as small business owners or independent contractors responsible for their own insurance coverage are limited to a minimal number of insurance companies and an even smaller number of those companies are actually accepted by a majority of medical care providers. The net result is that many who were previously insured are now unable to afford insurance and those who were previously uninsured currently remain either uninsured or covered by government programs paid for by the very people who can no longer afford insurance of their own.

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“Obamacare” Ruled Unconstitutional

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the staff of the Ridewood blog

Fort Worth Tx, On Friday night a federal judge in Texas ruled the Affordable Care Act unconstitutional , likely setting up a final decision on the law’s fate at the Supreme Court.

The law, known as Obamacare, was effectively nullified by the ruling. Judge Reed O’Connor of the U.S. District Court for the Northern District of Texas, in Fort Worth, heard arguments in the case in early September, but did not issue his ruling until Friday evening.

He did not, however, grant the plaintiffs’ request for an injunction, meaning the law’s provisions remain in effect until an appeal reaches the Supreme Court, or the ruling is reversed by an Appeals Court. That means that the current open enrollment period regulated by Obamacare continuing through its Saturday deadline.

At issue in the case was the individual mandate, the provision in Obamacare that requires everyone to have health insurance or face a penalty in the form of a tax. The Supreme Court upheld that part of the law in 2012, ruling it fell in line with Congress’ power to levy taxes.
Congress, eliminated the tax penalty last December as part of President Trump’s major tax overhaul which, means the mandate is no longer a tax and therefore is unconstitutional.

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U.S. Department of Justice says Obamacare individual mandate unconstitutional

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June 10 ,2018
the staff of the Ridgewood blog

Washington DC, The U.S. Department of Justice said on Thursday that the part of Obamacare requiring individuals to have health insurance aka the individual mandate is unconstitutional. This should be interesting to New Jersey voters with the recent signing by Governor Phil Murphy of a rule requiring the enforcement of the individual mandates and thereby fining individuals without insurance .

In a brief filed in a federal court in Texas, the department said a tax law signed last year by President Donald Trump that eliminated penalties for not having health insurance rendered the so-called individual mandate under Obamacare unconstitutional.
The Justice Department said that also nullifies two other major provisions of Obamacare linked to the individual mandate, including one barring insurance companies from denying coverage to people with pre-existing conditions.

Attorney General Jeff Sessions, in a letter to House of Representatives Speaker Paul Ryan, said he had determined the individual mandate will be unconstitutional when the tax law becomes effective in 2019.

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Obamacare Still Makes No Sense for Working Middle Class Taxpayer

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December 2,2017

the staff of the Ridgewood blog

Ridgewood NJ, in an amazingly honest article about Obamacare , CNN Money (https://money.cnn.com/2016/11/04/news/economy/obamacare-affordable/index.html ) called it , “a tale of two health insurance programs. “For the 85% of enrollees with lower incomes, federal subsidies make the premiums somewhat more affordable. Those even closer to the poverty line can get additional subsidies that reduce the deductibles, which can run into the thousands of dollars. For many middle class Americans  a single person earning more than $47,520, not very much in Bergen County  or a family of four with an income of $97,200 still not a lot of money for a family of four , still not very much in Bergen County the pricey premiums and deductibles mean health care coverage remains out of reach.

Which always bring us back to the argument that defenders of Obamacare, either don’t pay for it , or they don’t have it .

For the 10.5 million enrollees on the Obamamcare exchanges, the  health insurance cost burden falls on the consumer. That is leaving an untold number of Americans opting to remain uninsured, rather than shell out thousands a year for premiums and deductibles. In 2015, 46% of uninsured adults said that they tried to get coverage but did not because it was too expensive, a Kaiser study found.

Over 150 million people have insurance through work, paying only about $440 a month for a family plan, while employers cover the rest, or about $1,075 per month.

For a 30 year old enrollee for Obmacare  your $311 a month Bronze Plan premium comes with a  $6092 deductible , ouch. This represents little sense to the average 30 year old and still amounts to nothing more than a “tax’ , on working people.
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Trump Signs Measure to purchase health insurance across state lines and create a truly competitive national healthcare marketplace

Trump Signs 3 Sweeping Executive Orders

October 13,2017

the staff of the Ridgewood

Washington DC, President Donald J. Trump is taking action to improve access, increase choices, and lower costs for healthcare.  The President thru executive action  on Thursday , the president said , “The time has come to give Americans the freedom to purchase health insurance across state lines, which will create a truly competitive national marketplace that will bring costs way down and provide far better care.”

EXPANDING ACCESS TO MORE AFFORDABLE OPTIONS: President Donald J. Trump is taking action to increase the healthcare choices for millions of Americans, potentially allowing some employers to join together across State lines to offer coverage.
• President Trump signed an Executive Order to reform the United States healthcare system to take the first steps to expand choices and alternatives to Obamacare plans and increase competition to bring down costs for consumers.
• The order directs the Secretary of Labor to consider expanding access to Association Health Plans (AHPs), which could potentially allow American employers to form groups across State lines.
o A broader interpretation of the Employee Retirement Income Security Act (ERISA) could potentially allow employers in the same line of business anywhere in the country to join together to offer healthcare coverage to their employees.
 It could potentially allow employers to form AHPs through existing organizations, or create new ones for the express purpose of offering group insurance.
o By potentially making it easier for employers to band together, workers could have access to a broader range of insurance options at lower rates in the large group market.
o Employers participating in an AHP cannot exclude any employee from joining the plan and cannot develop premiums based on health conditions.
• The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider expanding coverage through low cost short-term limited duration insurance (STLDI).
o STLDI is not subject to costly Obamacare mandates and rules. One study found that on average STLDI costs one-third the price of the cheapest Obamacare plans.
o Despite its low cost, STLDI typically features broad provider networks and high coverage limits.
o The main groups who benefit from STLDI are people between jobs, people in counties with only a single insurer offering exchange plans, people with limited coverage networks, and people who missed the open enrollment period but still want insurance.
• The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider changes to Health Reimbursement Arrangements (HRAs) so employers can make better use of them for their employees.
o HRAs are employer-funded accounts that reimburse employees for healthcare expenses, including deductibles and copayments.
o The IRS does not count funds contributed to an HRA as taxable income.
o Expanded HRAs could potentially give American workers greater flexibility and control over how to finance their healthcare needs.
OBAMACARE IS FAILING: The status quo is not delivering quality healthcare options for the American people, who are facing higher premiums and fewer options.
• The percentage of workers at small firms receiving coverage through their employer has declined from nearly half in 2010 to about one-third in 2017.
• In 2018, more than 1,500 counties (nearly 50 percent of all counties) are projected to have only one option on their individual insurance exchanges, according to the Centers for Medicare and Medicaid Services.
o This means 2.6 million Americans, or nearly 30 percent of exchange participants, will be left without a choice of insurers.
• From 2013 to 2017, average premiums for individual health insurance plans have doubled, increasing by $2,928 according to the Department of Health and Human Services.
o During this period, every State using www.healthcare.gov saw individual insurance premiums increase.
• Americans are departing the Obamacare exchanges and millions are choosing to pay the law’s penalty instead.
o 500,000 fewer Americans enrolled in an Obamacare plan in 2017 compared to the prior year.
o Current exchange enrollment is 60% below what the Congressional Budget Office expected when the law took effect.
o 6.7 million Americans chose to pay the Obamacare penalty in 2015 rather than purchase insurance on the exchanges. 37% of penalized households made less than $25,000, and 79% of penalized households made less than $50,000.

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Government control of healthcare is reducing access

jonathan_gruber_0

Any reasonable person could have predicted this when analyzing the Affordable Care Act as written. Premiums rise, payments to physicians go down, and those who want to fix this law believe that increased subsidies to insurance companies will help. It is truly time to scrap ObamaCare and start over. Minimizing the federal role would be a great place to start , Alieta Eck, MD For Real Health Care Reform

Government control of healthcare is reducing access

by Dr. Deane Waldman and Jennifer Minjarez | Aug 29, 2017, 12:01 AM

The Affordable Care Act has made health insurance even more unaffordable than before Obamacare was enacted. Many insurers have lost hundreds of millions of dollars selling Obamacare insurance and have exited the market. The remaining insurance sellers are charging prices many cannot afford and are planning to raise rates an average of 19 percent.

To make the situation worse, payment schedules to doctors continue to go down, making care even less accessible.

https://www.washingtonexaminer.com/government-control-of-healthcare-is-reducing-access/article/2632520

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She called the offices of many surgeons and was always rebuffed– “We don’t take Medicaid.”

“We don’t take Medicaid

August 25,2017
Alieta Eck, MD

Meet Kelly Kelly. She is a 36 year old mother of two who was found to have gallstones two years ago. She was on Medicaid. She had frequent abdominal pain that sent her to the ER many times. The solution for gallstones is removal of the gallbladder, but she could not find a surgeon who takes Medicaid. When she was diagnosed, she went to her primary Medicaid doctor and was told that having the gallbladder removed would increase her chances of getting diabetes. Another told her to eat hummus and couscous and take probiotics.

One ER physician told her that with her Medicaid “insurance” she would need to be dying to get an operation– which meant having the gallbladder be on the verge of bursting. Apparently, only a fever, high white cell count and elevated liver enzymes qualified for an admission and emergency surgery. Persistent gallbladder pain only qualifies for 5 days of pain meds.

She called the offices of many surgeons and was always rebuffed– “We don’t take Medicaid.”

Half the patients we see at the Zarephath Health Center are on Medicaid and cannot find a doctor. Most notably, patients who need psychiatrists, pain control specialists and those who need surgery on a non-emergent basis are out of luck. This is especially irksome since the taxpayers of NJ are paying $15 billion on Medicaid per year, up because most newly insured patients under the Affordable Care Act are on Medicaid.

We at the Zarephath Health Center work to find solutions. We called a local surgeon and offered to have the Zarephath Health Center pay a fair fee. The surgery is being scheduled for next week and we will follow up.

This demonstrates why we need NJ S239– the Volunteer Medical Professional Health Care Act. Tell Senator Vitale to bring it up before the NJ Senate Health Committee.

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Health insurance premiums expected to increase for New Jerseyans in 2018

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By Anjalee Khemlani, August 11, 2017 at 8:05 AM

Weeks after the collapse of the attempt to repeal and replace the Affordable Care Act, uncertainty around federal action is affecting premium rates and continues to unsettle the health insurance industry.

“The continued uncertainty is making it very difficult for carriers,” said New Jersey Association of Health Plans president Ward Sanders.

In two recent reports, from the Kaiser Family Foundation and the Stop the Health Insurance Tax Coalition lobbying firm, premiums are estimated to increase by hundreds of dollars for New Jerseyans.

According to Stop the HIT, with the reintroduction of the premium fee:

Individuals will see an increase of at least $178.
Small group plans will increase by $209 for individuals and $556 for families.
Large groups will see an increase of $207 for individuals and $615 for family.
Seniors and disabled individuals in Medicare Advantage will see their premiums increase $516 per couple (or $248 for every individual).
State Medicaid programs will incur an additional cost of $268 for each of their insured Medicaid enrollees in 2018.

“From what we’ve seen from other state filings (as highlighted in the KFF report), the cost sharing reduction payments, if they are not going to be there, it is going to have a significant impact on insurance premiums,” Sanders said.

Whether or not the individual mandate and federal subsidies are kept intact, plus the reintroduction of the premium fee on insurers — which alone will increase premiums by close to 3 percent — are forcing significant increases for 2018 plans.

If subsidies are cut off for marketplace enrollees and the individual mandate is removed, insurers are likely to see fewer (mostly healthy) enrollees and therefore need to increase premiums.

https://www.njbiz.com/article/20170811/NJBIZ01/170819977/health-insurance-premiums-expected-to-increase-for-new-jerseyans-in-2018

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To Save Money On Health Costs, Try Putting Away Your Insurance Card

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Jeanne Pinder ,  CONTRIBUTOR

Psst: You might pay less for health care if you put away your insurance card.

Like most of us, you probably think your insurance policy gives you access to better prices. But that’s not always true.

How do you find out? It takes a little bit of work. But when you’re done, you’ll know more about health care and insurance – whether you’re an individual looking for a simple blood test or a sore-throat visit, or whether you’re an employer trying to beat back health costs.

And with the confusion in Washington over the future of health care in this country, we will all need to take ownership of issues we previously left to the insurer and the doctor.

Here’s an example: A person in California was asked to pay $1,850 for an MRI. Because he has a high deductible, he asked the office manager and she said if he agreed not to report the transaction to his insurance company, he could have the MRI for $580.

https://www.forbes.com/sites/jeannepinder/2017/08/09/to-save-money-on-health-costs-try-putting-away-your-insurance-card/#6451a5104255