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Friday, November 8, 2013

How to figure the Obamacare subsidy



http://kff.org/interactive/subsidy-calculator/

Figure your own subsidy...

I did some doodling. Decided to check out a non smoking single parent living in mid Chciago making $50,000 a year with two kids.

Health Insurance premium in 2014 (for a silver plan, before tax credit):
$4,512 per year
You could receive a government tax credit subsidy of up to:
$1,146 per year
(which covers 25% of the overall premium)
Amount you pay for the premium:
$3,365 per year
(which equals 6.73% of your household income and covers 75% of the overall premium)











So the parent pays about $280 amonth. Okay. Now, what are the co pays???

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $10,400. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 73%. This means that for all enrollees in a typical population, the plan will pay for 73% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
So the co-pays and premiums are more than 20% of the parent's income.

Plus, note this:

"This means that for all enrollees in a typical population, the plan will pay for 73% of expenses in total for covered benefits, with enrollees responsible for the rest. "

If the youngsters don't sign up, then the prices in 2015 are gonna jump.

Such a bargain.

Problem is the Low Information people think it is free.

Sometimes people get what they deserve.

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Thursday, November 7, 2013

And your point is????

Well, we know what Huffington Post's point is when they write:

"Evangelical pastor Rafael Cruz, father of shutdown dramatist Sen. Ted Cruz (R-Texas), served up a stemwinder this week, laying out God’s positions on the death penalty, guns in schools, gay marriage, communism and Senate Majority Leader Harry Reid (D-Nev.), all in an impassioned 45 minutes.

The Cuban-American creationist quoted Bible verses that he said described God’s hardline position on capital punishment. “You know, the Bible is so clear," he said. "Go to Genesis chapter nine and you will find the death penalty clearly stated in Genesis chapter nine ... God ordains the death penalty!”

http://www.huffingtonpost.com/2013/11/07/rafael-cruz-death-penalty_n_4235831.html

I mean, do you really want to hold a father's views on the son?? If so.....

Obama's father was a Muslim from Kenya.





"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Sunday, November 3, 2013

Great truths of life



I picked this up from Elizabeth Herring an old bud from the Leftie vs patroit wars.

"Watching Dr Emanuel (Rahm's brother) on Fox News Sunday. I submit that we now have proof an asshole gene exists."

It has never been better said.

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Saturday, November 2, 2013

Having fun fun with jondee and Yman.






Every now and then the old cowboy gets to zap some folks that desperately need to be shown up.

Over on http://www.talkleft.com/I had this discussion on this thread.

http://www.talkleft.com/story/2013/10/25/142426/19/blogrelated/Friday-Open-Thread

It started here.

Gee (5.00 / 3) (#75) 
by MO Blue on Sun Oct 27, 2013 at 08:11:53 AM CST 
When are you and your tea party friends going to raise a ruckus for something worthwhile - like single payer rather than just wearing stupid hats and making up silly little slogans. 

Parent | Reply to This
Have you forgotten that I have (none / 0) (#102) 
by jimakaPPJ on Mon Oct 28, 2013 at 11:41:56 AM CST 
posted numerous times that I am for a single payer system based on the Medicare model and paid for by a federal sales tax collected at the POS (not a VAT)???????????


Evidently so.
But if I gave you a good rant I am pleased to be of service.
And no matter what the Tea Party is, was or will be the fact is that Obama either lied or didn't know when he said:
You can keep your doctor
You can keep your insurance
Your premiums will go down.
In either case the answer is unacceptable but not surprising to anyone who wasn't blinded by "hope and change."

lol 
Which led to this:
 




I like how you always sum it up (5.00 / 3) (#110) 
by jondee on Tue Oct 29, 2013 at 07:39:32 AM CST 
at your blog: he wants Americans to suffer because he hates colonialism and subconsciously identifies with his Muslim father..
You should remember to include that part here, Jim. It lends more credibility to your hard-hitting, unbiased, critique. 

Parent | Reply to This

Your words would (none / 0) (#117) 
by sj on Tue Oct 29, 2013 at 11:07:01 AM CST 
have a lot more weight if they weren't just words. We don't know each other's "real lives", but for words to have meaning they need to be followed with action. You say want single payer. But who did you vote for that would advocate for that? What agency did you support (with either money or time) that works for that goal?
Don't bother answering me. The question is for you to think about seriously, with no snark whatsoever. So I added no superfluous question marks. :) 


It's no bother, sj. (none / 0) (#128) 
by jimakaPPJ on Fri Nov 01, 2013 at 07:51:51 AM CST 

I am always happy to answer you. The need to educate you drives me to do so.

Obama never was for a single payer system modeled on Medicare paid for a national federal sales tax.

Neither was McCain or Romney.

But both were for strong national defense and a rational energy policy.

Two out of three aint bad. 

Parent | Reply to This

That was not the question (none / 0) (#130) 
by MKS on Fri Nov 01, 2013 at 08:32:18 AM CST 

Who did you support or what group did you support that advocated single payer?

Setting aside the Presidential race, how did you support single payer?  Did you vote for other Republicans too?  Did the person you voted for in your House race support single payer? 

Parent | Reply to This

You first (none / 0) (#131) 
by jimakaPPJ on Fri Nov 01, 2013 at 10:16:44 PM CST 


I'll make it easier for you, Jim (none / 0) (#132) 
by Yman on Sat Nov 02, 2013 at 06:16:04 AM CST 

Show me a single posting on your wingnut blog focused on your position we should have single-payer healthcare.

Heh. 

Parent | Reply to This

You first (none / 0) (#131) 
by jimakaPPJ on Fri Nov 01, 2013 at 10:16:44 PM CST 






And the trap was set.



I'll make it easier for you, Jim (none / 0) (#132) 
by Yman on Sat Nov 02, 2013 at 06:16:04 AM CST 

Show me a single posting on your wingnut blog focused on your position we should have single-payer healthcare.

Heh. 

Parent | Reply to This

Why don't you prove that there isn't?? (none / 0) (#133) 
by jimakaPPJ on Sat Nov 02, 2013 at 08:49:41 AM CST 


heh (none / 0) (#134) 
by jondee on Sat Nov 02, 2013 at 09:09:33 AM CST 

and while you're at it, prove irrefutably that there isn't a single post devoted to gay rights and women's right to choose.

Nah-nah betcha can't do it. 

Parent | Reply to This

ondee, your next (none / 0) (#137) 
by jimakaPPJ on Sat Nov 02, 2013 at 09:56:23 AM CST 

As I cool I can do some surfing the web. I've been hanging out at Talk Left for years and years. TL is focused on legal/crime issues and is more balanced than KOS or MoveOn but it does have its share of kooks and loons.

What runs some on the Left crazy is that I fancy myself a social liberal. I believe in minority rights, gay rights (including marriage), a woman's right to chose and think we need to rationalize our illegal drug policy.

On the other hand I am more or less opposed to "programs" dedicated to minorities, believing that we have moved past that point and need a color blind "helping hand" based on need and scholastic achievement.

And while I believe in "gay rights" that doesn't mean that I think we need "hate laws." If someone harms a gay or a straight person the deed speaks for itself. The reason why is of no consequence. And I will tell gays that the Bible says their actions are wrong, just as it says you shouldn't be humping your neighbor's wife but I will let them work out the details with God. He's been known to forgive and forget.

And I oppose abortion but I won't tell a woman what she must do with her body. I will also say that we need more church sponsored adoption centers and less Hell and Damnation from the pulpit.

The drug thing is a tough one. Some drugs are addictive and damaging to people and society. Problem is the demand drives the supply and the obscene profits keep an endless supply of drugs and dealers. My solution is simple. Flood the market with free drugs obtained by signing up at your local pharmacy.


And then...

I dislike such comments because all they do is make all the Lefties swoon and throw snit fits. And since they might harm themselves and not be around to see Obamie give his concession speech I am naturally against them.

Besides. I am for gay rights. And if Congress wanted to put up with a gay congressman who had let his lover run a whore house out of his apartment and if the good people of Boston wanted to keep electing him for some 30 years..... who am I to complain?

But I do heartily dislike certain things. One of them is people, such as the insulter, who claims to be with the Tennessee Tea Party.

Well, as the commercial now running every 30 minutes says... "There is no Tennessee Tea Party." (Pardon the paraphrase. Couldn't help myself.)

He is a member, perhaps an official of a Tea Party organization that calls itself the Tennessee Tea Party.

Not to belabor a point, but there is no formal organization of TN Tea Parties.


jondee, what a dummy you are. 

Parent | Reply to This

And since we're getting personal (none / 0) (#138) 
by jondee on Sat Nov 02, 2013 at 12:58:18 PM CST 

what a double-talking, dishonest, mean-spirited, entitled, bandwidth devouring, inbred fascist redneck you strike as. Sir. 

Parent | Reply to This

[new] hehe (none / 0) (#139) 
by jimakaPPJ on Sat Nov 02, 2013 at 01:47:01 PM CST 

jondee, whatever I am I am smarter than you.

And I proved it.

You got snookered by one of the oldest tricks in the world.

And thanks for proving what I have long claimed. Lefties like you hate anyone that don't agree with every thing they want. In that you are no different than the Far Right. Like them you aren't liberal and you aren't progressive. You just want to be in control. 

Parent | Reply to This

Can't do it, huh? (none / 0) (#135) 
by Yman on Sat Nov 02, 2013 at 09:15:10 AM CST 

I'm shocked. 

Parent | Reply to This

What a perfect straight man you are (none / 0) (#136) 
by jimakaPPJ on Sat Nov 02, 2013 at 09:44:21 AM CST 


Want more crow to eat??


And some more.


Now, let's put everyone under Medicare. Just send them all a Medicare card, include dental and Rx drugs in it, and pat ourselves on the back. We have been "fair."

Of course to be fair we are going to have to pay for the drugs we use, the Doctors and Nurses time and talents, not to mention all those other workers and infrastructure involved in saving our disgustingly fat behinds.

Feeling a little dumb right now??

Well, go kiss that life sized statue of Obama you worship and I'm sure you'll feel better!

ROFLMAO

How does that mouse trap hanging on your tongue feel?? 
 
Sometimes life is good.

Now, you gotta know the Lefties couldn't let it alone. They come back with the usual BS.

ee, Jim? (none / 0) (#142) 
by Yman on Sat Nov 02, 2013 at 09:05:25 PM CST 
I knew you could do it!  Finally, posting a link to back up your claims!  3 posts supporting single-payer, 4,258 posts screaming "Shariah law!" - but all you had to show is one, so...
If you think I "worship" Obama, you either: 1) haven't been paying attention, or 2) are more delusional than most of your crazy rants would indicate.

Maybe both. 

Parent | Reply to This
yman,like jondee (1.00 / 1) (#143) 
by jimakaPPJ on Sat Nov 02, 2013 at 11:01:19 PM CST 
you hate everyone who disagrees with any of your positions. You are incapable of accepting support on the items I listed because I disagree with you on others.
Sad. Very sad. And one of the reasons we can't move ahead.
And yes, you worship Obama and would vote for him again if he could run.
And the facts are that I proved my point and if you are willing to pay for me time I will provide additional links.

How does it feel to be played like a child?? 

Parent | Reply to This
"Played like a child" - heh (none / 0) (#144) 
by Yman on Sun Nov 03, 2013 at 05:08:26 AM CST 
Don't know, Jim - I've done it to you so many times - I figured you should be able to describe it very well by now.
The Obama worship stuff is just more of your typical cluelessness.  In case you've missed it, I've been extremely critical of Obama, particularly on this issue.  I think the ACA is a crappy piece of legislation that is greatly inferior to a public option and hugelyinferior to a single payer system.
As far as "your support", it's meaningless.  The extent of "your support" is a very few postings on a blog filled with rightwing rants about "Shariah law!" and clueless global warming denialism.
As far as "paying for your time", I'd be thrilled to.  We'll do an even trade.  I'll bill you for my time for the hundreds of links I've provided to you disproving your rightwing garbage, and you bill me for the 3 links you posted - plus any others you can find.  My normal hourly rate is $275/hour.  Yours is ... what

... like $10? 

Parent | Reply to This
yman, quit pretending (none / 0) (#145) 
by jimakaPPJ on Sun Nov 03, 2013 at 07:47:24 AM CST 
A claim was made.
I set the trap.
You fell through it and caught yourself.
You see, I am who I am. No pretense. No posturing. I believe what I believe based on a life experience so diverse that you cannot even imagine it.
So please keep on proving that you are not a liberal. You are not progressive. What you want is total control. You have this burning desire to have everyone do what you want and there is no halfway.
Think. Where you could have an allie on many issues you reject and attack.
That's typical of a narcissist personalty.
Sad.
So keep on attacking. My record speaks loud and clear. I have no reason to prove anything, yet I have.

And you have proved what you are. 

Parent | Reply to This
If you do hold these views (none / 0) (#146) 
by MKS on Sun Nov 03, 2013 at 07:50:10 AM CST 
have you recently voted for someone who also held these views?
If you don't, you just enable policies that are frankly retrograde. 

Parent | Reply to This
Have you?? (none / 0) (#148) 
by jimakaPPJ on Sun Nov 03, 2013 at 11:33:58 AM CST 
Certainly Obama did not. 

Parent | Reply to This
[new] Yes, on marriage equality (none / 0) (#150) 
by MKS on Sun Nov 03, 2013 at 12:13:36 PM CST 
An "ally" (none / 0) (#147) 
by Yman on Sun Nov 03, 2013 at 07:55:01 AM CST 
To what end, Jim?  An "allie" in posting on a blog?  An "allie" who makes ridiculous claims and supports them with links to British tabloids and wingnut blogs?  An "allie" who, even on the issue of single-payer, qualifies it by saying it should be paid for with the most regressive tax system possible (a national sales tax).
No thanks.

BTW - Are we billing for time or not?  I'm thinking a flat amount per link, say ... 5 minutes.  I'll work up an invoice and an installment plan for you to pay me.  I can root around in my sofa cushions for the money I owe you. 

Parent | Reply to This
The offer was you pay me for (none / 0) (#149) 
by jimakaPPJ on Sun Nov 03, 2013 at 11:38:14 AM CST 
more links.
I haven't claimed you didn't post something.
So put up or kindly admit you know that I can produce.
lol
The support for the items is self explanatory.
Both you and MKS, having lost the challenge, want to move the goal posts and reframe the argument.
How Leftie of you both.

[new] Sorry, Jim (none / 0) (#151) 
by Yman on Sun Nov 03, 2013 at 12:19:21 PM CST 
Fair is fair.  You want me to pay you for your links, you'll need to pay me for mine.  Hundreds of links @ $275/hour versus 3 links @ ($4/hour?) - I can understand why you wouldn't want to do that. 

Parent | Reply to This
[new] Okay yman. I give up. (none / 0) (#152) 
by jimakaPPJ on Sun Nov 03, 2013 at 02:33:31 PM CST 
You have no honor.
But the facts remain.
You folks made the challenge.
I met it.
Now, go whine some more.