What are the 111 healthcare law waivers that the government just released?
After obamacare passed it now seems that some people will be able to skip out of the requirement for universal healths insurance.
Read what the web has to say:
The pro-Obamacare group that got a waiver is the New England Healthcare Institute which was also instrumental in supporting Mitt Romney’s creation of Romneycare in Massachusetts.
I guess it’s Obamacare for thee but not for me.
Now ask yourself this: How can a President simply exempt certain companies or organizations from the law? Are we all not supposed to be treated equally under the law? What Obama is doing is exempting rich and/or politically influential businesses and organizations from the law while the less rich/influential among us are stuck toeing the line.
And this, I guess, is the “hope and change” Obama was promising.
Well, thank goodness House Republicans kept Michele Bachmann out of the leadership, because Bachmann says crazy things — like offering 111 waivers for ObamaCare indicates a big problem in the bill. Greg Hengler clips this portion of Bachmann’s speech at a rally in DC today protesting the bill and the waivers, which Jazz Shaw noted yesterday even includes groups that are dedicated to precisely the kind of “reforms” in ObamaCare. Note well, also, the other groups Bachmann mentions that get waivers from the White House, such as unions and universities. Aren’t these the same people who lectured us on the absolute moral imperative for ObamaCare? Seems like sacrifice is fine, as long as it’s limited to the hoi polloi:
111 companies and organizations were granted waivers by Obama’s Dept. of Health and Human Services so that they could get out of having to comply with Obamacare and unions were particularly well rewarded by the HHS with these waivers.
Interestingly, there was no great announcement of these waivers issued to the press. The HHS buried the waiver announcement six layers deep on its webpage and posted them on Friday when they imagined no one would notice. It’s a typical Friday evening document dump so common when an administration wants to avoid the prying eyes of the people. So much for the “most transparent administration in history,” eh?
Start by spending some time assessing your individual needs before lunging into buying your individual health insurance policy. It will pay off to do a five to ten minute assessment of your needs and wants. Remember that buying individual health insurance is a process and with just a little discipline you can be confident you get the best coverage at the lowest possible rate.
Before Buying Individual Health Insurance
Below we list the top questions you should ask yourself before deciding on your private medical plan:
Do you have a physician that I like and that I want to keep? This may limit your choice to a PPO plan if your doctor does not belong the HMO network you’re looking at so keep that in mind.
Are there any health care serviced you or your immediate family memebers are using routinely? This may be minoc condition like allergies where you need to visit regularly to keep a lid on the flare ups.
Do you plan to have your first or another baby in the coming years? This will tell you whether you should have maternity care covered as the coming of a baby is already expensive when everything goes as planned, the costs really skyrocket when there are problems.
When you explore each plan you’re considering, highligh the premiums and what your real out of pocket expenses are going to be. Higher premiums usually buy down the out of pcket expenses.
Do you like to visit alternative health care practisioners sucah as chiropractors, accupuncturists or energy therpaists? If so make sure to be clear on what will be covered.
Are emergency care being covered or are you going bankrupt if you break a leg skiing? You should always have generous coverage for emergencie. This is what you hope you will never need but will be glad you have when an incident occurs.
Now that your emergency care is covered make sure illnesses are covered as well as they are mostly unpredictable and can ruin not only your financial life but also your relationship.
Get The Best Of Both Worlds: Individual Coverage AND Group Rate Premiums
Self-employed individuals may be able to purchase a health insurance policy as a “group of one”. This can work even if you operate your business from home. This type of coverage though is not available in every state of the Union. As of this writing, these are the states that allow one idividual to be considered as a ‘group’ for health insurance coverage purposes: Colorado, Connecticut Delaware, Florida, Hawaii, Maine, Massachusetts, Mississippi, New Hampshire, North Carolina, Rhode Island and Vermont. This site keeps and update on this matter. (http://www.statehealthfacts.kff.org/comparetable.jsp?ind=350&cat=7)
In all other states it will require two people to create a group. This can be you and your spouse or you and and employee. But both persons need to be partners or employees at the company setting up the group.
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