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Subscribe to RSSUpdated at 5:50 p.m. ET, Nov. 9: There’s nothing like a deadline to focus the mind and states have a good one coming up next week – they have to decide if they're going to run their own health insurance marketplaces, called exchanges, or have the federal government do it for them.
But they got a little break late Friday -- if they do decide to run their own exchanges, they'll have until December 14 to submit their plans to the federal government.
It’s a big decision and a big responsibility. One of the main goals of the 2010 health reform law is to get more people covered by health insurance, so they can get medical care when they need it, and so they get care earlier, before easy-to-treat conditions like high blood pressure can cause expensive strokes or heart attacks.
The exchanges – think Travelocity for health insurance – will provide a mechanism for more people to buy insurance. They’re supposed to provide a side-by-side comparison on price, what’s covered and how much you might have to pay out of pocket for a doctor’s visit. They’ll also be a route for people to get a little extra cash from the federal government to buy insurance; the health care law provides for a generous federal subsidy for many, if not most, buyers.
The states had two good excuses this year to procrastinate on exchanges. First of all, there were three major challenges to the law that went all the way to the Supreme Court. Many governors and state legislators were gambling that the Supreme Court would declare the law unconstitutional. It didn’t. Now the Nov. 16 deadline looms.
“This deadline is smoking the states out,” says Dan Mendelson of consultants Avalere Health.
But Health and Human Services Secretary Kathleen Sebelius softened the deadline a bit late on Friday. "The deadline for a Declaration letter for a State-based exchange remains Friday, November 16, 2012," she wrote in a letter to governors. "However, today, in order to continue to provide you with appropriate technical support if you are pursuing a State-based exchange, HHS is extending the deadline for State-based Exchange Blueprint application submissions to Friday, December 14, 2012."
When it ruled in June, the Supreme Court said states could decide whether to offer Medicaid – the state-federal health insurance plan for the low-income – to more people. But the rest of the law stood, including the exchanges requirement. Still, there was another possible way out – the election.
Republicans promised that they’d repeal the entire health reform law if they won in this week’s election. Now that Mitt Romney has lost to President Barack Obama and the Democrats have kept their control of the Senate, any chance of killing the Affordable Care Act is now dead.
"Obamacare is the law of the land," House Speaker John Boehner said in an interview with ABC News on Thursday.
So far, only 13 states and Washington, D.C. have said they’ll build a health insurance exchange. Eight have said they absolutely will not, and 25 states have been sitting on the fence, says Kelly Barnes, U.S. health industries leader at PricewaterhouseCoopers.
"My administration will not partner with the federal government to create a state-federal partnership insurance exchange because we will not benefit from it and implementing it could cost Kansas taxpayers millions of dollars," Kansas Governor Sam Brownback said in a statement Thursday.
Some groups are also urging governors to defy HHS. “States can and do have the power to reject federal attempts to compel their action. Governors should use that power to tell the federal government 'no'," Nicole Kaeding of the group Americans for Prosperity said in a letter sent Friday. “By creating an exchange, states will serve as de-facto administrators of the federal government implementing its rules, regulations, and mandates.”
States that don't set up their exchanges will have to submit to what the federal government does for them.
Avalere predicts 20 states will be ready to run their own exchanges when the bulk of the health reform law takes effect on Jan. 1, 2014. “The consumer will have access to an exchange by 2014,” Mendelson said. “One way or another, this administration has to make sure that everyone who wants to purchase insurance can.”
To make sure that people don't wait until they are sick to buy health insurance, the 2010 health reform law provides for fines on a sliding scale for people who don't buy. And people who want to switch from their employer's insurance can.
States may have been hoping to escape the looming responsibility, but that doesn’t mean they have been doing nothing. “I think there are more contingency plans out there than probably people have declared,” Barnes said. “A state like California, that has been planning all along, will have a higher level of organization.”
Waiting on the rules
Some Republican governors have done a fair bit of planning, including Bob McDonnell of Virginia and New Jersey’s Chris Christie. But many want the Health and Human Services Department to give them the rules for the exchanges, and to spell out what a federally run exchange would look like.
That would help them choose. Many have also asked if they can do a hybrid, with the state running part and the federal government running part of the exchange.
The federal government hasn’t published those rules. They are currently awaiting approval at the Office of Management and Budget. "We intend to issue further guidance to assist you in the very near future," Sebelius wrote the governors."This administration is committed to providing significant flexibility for building a marketplace that best meets your state's needs," Sebelius added.
“It’s driving the insurance companies crazy to not have any clarity about what they need to be offering in the exchanges,” Mendelson said. “Having said that, when push comes to shove, the insurers want to be offering products in the exchanges. They will rise to the challenge.” After all, the exchanges could mean more than 20 million new customers for insurance companies.
Right now, about 48 million Americans are going without health insurance, according to the Census Bureau. That’s more than 15 percent of the population.
About 55 percent of Americans are covered through an employer; 31 percent have a public insurance plan such as Medicare or Medicaid, and 10 percent buy their own health insurance.
23 million likely will get insurance through exchanges
The Congressional Budget Office predicts that 23 million people who don’t have health insurance now will get it on one of the exchanges. More than 18 million of them will qualify for a federal subsidy averaging $6,000 a year per person. People earning up to four times the federal poverty level can get a subsidy: that’s an income of $92,000 a year for a family of four.
But it’s going to be confusing, especially for people who have never had to wrangle with an employer’s open enrollment process before. “If you have had employer-sponsored insurance, at least you are familiar with the terms,” said Barnes. “But there is also a big tranche of buyers who have never had access to insurance before. It’s a less sophisticated consumer.”
Many people will go for bare-bones coverage, Barnes predicts. “Price is going to be the first selector in this round,” she said. “When all else fails, you buy on price.”
Some people who now have employer-covered insurance are doing that anyway. There’s a clear trend for employers to offer less, and to require their employees to pay a bigger share of their health insurance coverage. “It is definitely true that employers are paying for less and less,” Mendelson says.
“They are increasing co-pays and making it expensive for patients to use medical services. But even with those trends, the benefits available in the exchange are likely to be less generous and less robust than what employers offer today.”
Nonetheless, Mendelson says the exchanges will set the standards going forward. “These are going to be solid commercial insurance products offered by leading health insurance companies,” he said. “They are widely seen as the future.”
It will pay, he said, for the companies to make it easy to understand what they’re offering for sale on the exchanges.
Related links:
Boehner: 'Obamacare is the law of the land'
A consumer's guide to health reform, post-election
Supreme Court ruling leaves poorest Americans at risk
More workers opt out of company health plans
A quarter of kids live in families struggling with medical bills
Leave a Comment:
Any State that secedes from the union will have me there to help! The government has declared war on it's citizens. ARM YOURSELVES!
I'm sure the Dept. of Homeland Security will love to meet you.
I am sure they would, they would like to know how to protect America. They keep getting @!$%# info from OBLAMER.
The whole mandate of health insurance is a load of crap. I have worked with and around health insurance for many many years, and this so-called "New" uproar of companies not covering pre-existing conditions is a bunch of hooey. It's always been that way - mainly because people didn't want to spend the money until they had to have it - which was then too late. I've seen it too many times - uh-oh I'm pregnant, better get health coverage; or even worse - start showing symptoms of dreaded diseases such as cancer, alzheimers, and others. And unfortunately, yes that then becomes too late for it to be covered, because it is pre-existing. That's what that term means. Even with penalties, taxes or whatever you want to call it, you can not mandate that a person take responsibility for themselves and their families. If you have coverage you know I'm right. I know there are horrible cases of sick babies and children and they can not get coverage - but if the parent had gotten coverage before they were born, those conditions would not be considered pre-existing and would be covered. Yes, if you wait til you're pregnant to get coverage, the mom's coverage is very limited (or non=existant) but that child is covered at birth.
In your scenario, there was (is) no guarantee, that with so-called coverage, that any insurer would pay fairly, pay at all, or not drop you once submitted a claim.
Exactly. Which is why mandating insurers to cover everybody is not what I call health care reform; nor is penalizing people for not having coverage. The entire health care industry already has too much power If you don't believe me, look at your next statement of what the doctors/hospitals charge; what they insurer "allows" and then what they actually accept as payment. Then we pay our co-pays, deductibles, etc. But if you don't have coverage, the doctors and hospitals expect you to pay the entire amount.
And I don't have a guarantee now that my claims are paid fairly, timely, or at all, and I'm not promised that I won't be dropped because of claims. Part of the ever changing face of health insurance, and their famous line "that's not a covered item". That's why most of them have an "open month" with employers, it gives them a chance to raise rates and opt out of renewing when their claims are too high.
This whole thing will be a complete fiasco that will rip off the American people. The whole reasoning behind this is that with more customers, there will be lower prices. This is garbage. When you go to purchase gas, you have many brands and companies to choose from. Yet, no matter which you choose, you're going to be gouged and not get your money's worth.
This mandate is terrible. Now you are required to add insurance to your budget. And those subsidies aren't going to help very much, and will eventually dry up.
Better than adding someone elses unpaid health problems to MY budget!
Airborne when is the last time you got a bill from the hospital for any of my bills or some illegals bill The hospital writes it off if there is nothing paid on it. Did NOT think so. So why bring up stupid @!$%# like that.
Give 'em proven knowledge and hell Shellie-657180. It will make their heads spin, they will snipe, run away, or try and change the thread of the comments. Don't use too many 2 syllable words though, they will have a migraine. I wonder how many flights were booked to Costa Rico, Canada, and other countries as promised.
And I bet the ERS were swamped with angry old white guys who think palin is hot who had chest pains on Wednesday morning.
This mandate is evil. A single mother who's barely scraping by, trying to take care of two kids, will now have something more to worry about. Obama is just as red as the Republicans. He's just trying to hide it.
More people having health insurance (the Obamacare feel-good illusion) and discovering that you can't actually GET health services when you need them (the looming reality for all but the elites in government) are two radically different things. 45 million new "insureds" coupled with a growing shortage of doctors means everyone will have coverage but simply won't be able to get real health care of their own choosing, from their choice of providers. Waiting to see a doctor (after waiting months just to get appointments scheduled) will be just as dehumanizing as waiting in line at the DMV, Social Security Administration, or any other government run bureaucracy. And it will no longer be a private thing between you and your doctor. Sadly, by the time the nation truly realizes how badly we've been shafted, it will be far too late to go back to anything else and we will be slaves to an ugly, mindless system that is intent on enforcing rules and cost controls but where delivering the best health care in the world is a distant memory.
the alternative Gary would have been insurance companies increasing your premiums annually , insurance companies turning you down for insurance more people dying due to lack of medical attention. This would have been our future if there was no such thing as ACA. Emergency rooms would increase costs and the spiral would continue unabated. I doubt there would be a shortage of doctors more people are applying for med school then ever before and why not, it is still and will always be one of the top paying professions in the land. also I have news for you Gary ....it is an illusion to think that at this point you do not have uncaring bureacrats saying yea or nay to your claim.... in fact.... those bureacrats reviewing your claim today have only one thing in mind..... denying it.... with little regard to you and more regard for squeezing the most profit for the companny that they work for. A government committee is not going to look at your claims individually they are looking at how best to streamline the process and they work for the governnment who in turn work for us. Your argument has little merit.
It has never been a private thing between you and your doctor. Most,if not all doctors now are part of some hospital organisation. the problem now is that the doctors are under pressure to have us take unnecessary tests on expensive machines so that hospitals can pay for those machines and continue to show their investors a profit. Who do you think pays the costs of Health Care now? The insurance co.'s the doctors and their staffs No,it is,as it always will be,us. we will be able to receive better care for less when all of the amendments are put into place. Also for those who worry needlessly about the need for the extra staff. It will help the jobs problem. The Health Care in our country is the most expensive in the world yet is quite low in standards compared to most industrial nations. That will eventually change for the better
I buy health insurance privately, but can only deduct a portion of the expense when I itemize deductions on my taxes. Those receiving health insurance through their employer receive the value of that benefit tax free. Self employed individuals aso get to deduct 100% of premiums before taxes. I feel everyone needs to step to plate. take personal responsibility for their health care coverage, but lets make it fair for all. Either tax the 'income' value of the benefit employees receive or make 100% of health care premiums and costs deductible before taxes for everyoone.
Barring that, I look forward to the subsidy I may qualify for in 2014.
Hey look the Feds created the mess called Obamacare, let them run it. It will end in a fiasco. I already have exited the system. My employees can go buy their own. Of course, I will pay the fine, as I switch from full time to part time help to reduce the costs further (30 hours and less partime, and I don't have to pay the fine). I figure I will save a couple of hundred grand a year not providing any coverage at all. And I will buy some nice new toys for myself with the money saved. Just about every small business is doing exactly this.
I sure hope Obamacare makes these policies affordable to the average worker. What I cannot figure out is why any employer in the future will offer coverage? Elections set trends, hope you can afford Obamacare...
Mirage.... your micro look at this situation is exactly why there was a need for reform. If you researched this subject you would realize that small business... just like individuals... can get a government subsidy to help pay for your employees insurance through the co-op exchange program set up by the ACA which will be fully implemented by 2014. If you end up having to pay a fuller price than other companies in other states it is not the fault of the feds it is the fault of the misguided republican govenors in those states... that have turned down efforts from the federal government to implement the exchange program. In addition if you have employees that are 130% over the poverty level(which is highly likely given your comments) you will not have to give them insurance they can get medicaid provided you live in a state where the republican a@@ Govenor did not turn that down .
I have always been Medically covered at all of my places of employment, always. The companies that I worked for did not do it out of kindness, but of the need for high skilled workers. Competition in the market place will eventually return to it in the work place and as you have a need for more staff you will be compelled to do the same .You already have to pay for equipment ant tooling. You will merely do what all of your competitors will do which is ,business charges ,costs ,plus what the market will bear. Simple?
Joe ... you assume far to much about what I believe. I never said the system didn't need repair ... but what this crowd of Marxists has shoved down our throat is unconstitutional and stupid. If your car's engine is not working just right, most mechanics don't drop a grenade under the hood ... they figure out what's wrong and surgically repair it. But if you think the doctor shortage is not real, you are willingly among the walking blind.
And it won't require government people looking at individual claims to ensure that services are not adequately covered ... the "rules" will enable or force insurers to do that for them by reducing and limiting payments to doctors who ALREADY are reducing or completely eliminating their government program patients (e.g. Medicare, Medicaid, etc.). This is reality TODAY because the amounts they're paid DON'T COVER THEIR FREAKING COSTS!!!! You really don't get it do you? The argument, as you put it ... sustains itself with reality .... you just choose to deny it because your so steeped in the mantra of having the government take care it all for you because you've placed all you faith in it instead of being truly free. Dude, you're a lost casue.
pardon me Gary if I do not believe your diatribe , you lost me at your marxist statement which not only is inaccurate but incindiary. I think my assumption is dead on about what you believe, i liked the handgrenade comment though.... even though it does not apply to ACA. A handgrenade would have been a single payor option which we do not nor ever will have in this country. (which is ashame! i guess i would have been a bad mechanic). another news flash Gary.... regardless of who would have gotten into the presidency... costs.. ie payments to doctors who ask for 400+ dollars an hour for consultation would had to have gone down, thats why we needed reform . Your last statement about my "mantra" needs some response.... free market is what drives reforms when it is working correctly.... it is not working correctly insurance companies set their prices in collusion , so they rig the system so market forces do not come into play to reduce costs .Without anyother way the Government must step in and gain some sanity to a system that was systematically bankrupting consumers.
I'm still waiting to see what they are going to do with the people that can't afford insurance and also cant afford to pay the fines ? Put them in jail ? This plan isn't going to work too many still get left out. The only thing that will is universal health care paid by taxes. Some people call this socialized medicine but it seems to work good for veterans.
Not according to my three sons and their families but it is what they have.
All the Affordable Care Act is, is making every adult pay for their own health care/insurance in one way or another.
Quit tripping republicans, it's not like none of you all get sick or need a doctor at one time or another, everybody does from age 0 to 100.
Otherwise, if you get sick next time don't go to the doctor or hospital stay your butt home and heal thyself.
And don't complain when Suzy has her 5th baby on your dime.
Suzy will still have her 5th baby on my dime goof.
Bull!!! I could have written THAT bill in less than 5 pages. by contrast, this legislative piece of crap is a Socialistic take-over of the 1/6 of the nation's economy and badly done at that. Pelosi's stupid remak that we had to pass it to see what's in it should have tipped you off long ago. Seriously?!?!? How about READING the freaking monstrosity first ... at which point they would have realized this was a really, really bad idea and gone back to the drawing board. Medically and economically we're in for a boat load of really ugly surprises.
I'm afraid you're right and don't forget President Obama will have a lot more flexibility after the election. Kind of scary when you think about it.
Toyota3,
Not exactly. It's going to force the healthy to pay for the sick. And even more, it's going to force the young to pay for the old. The young are going to pay BIG-TIME for health care.
In one sense, it serves them right for being fools at the ballot box. It's conceivable that a few of them were so idealistic that they wanted to volunteer for a lifetime of oppressive taxes and diminished opportunities, but most of them would have voted their self-interest if they'd had a brain. Those of a masochistic bent should have spared the rest of us their folly and joined a Monastery.
Well said!
Toyota...So you think the young will be paying big-time for us seniors? Not so, at least not for this senior. I worked and paid into the system...big time. Yes, I am on Medicare but it is not free by any means. I also pay dearly for additional insurance. As for the young...my son, who is a single father of 2 little ones, pays a huge premium through his employer for medical insurance and has a $20 co-pay to boot. He has worked for the same company for 8 years and cannot make ends meet....he and his two, my grandbabies, have to live with me so he can give them what they need, make a car payment (used car), buy car insurance, food, etc....so he is paying "dearly" for me??? I don't think so...it is just the opposite (not that I mind and am glad I can offer him a roof over his head)
There is no easy answer to what is going on with healthcare or the economy in this country. I do know that I will be giving up the one thing I enjoy most...traveling in my modest RV. The next four years worry me greatly...I saved every penny while I worked, 401K, etc and now instead of being able to enjoy life a little I am being forced to live on my savings.
Before you tear me appart, let me say that I am very thankful for what little I have. Those in the NE are suffering....many now have nothing after working for years. I donated what little I could...and then I read the idiot mayor of NYC will not let food shelters accept donated food from restraunts because it may have too much fat in it and be bad for them. Yeah, when was the last time you saw a fat homeless person??
We had a chance to change things Tuesday but it did not happen. What is wrong with the people in this country....can't they read both sides..NO!! they bought into Obama when they heard the word "free". Sad and scary 4 years coming.
Kay,
I'm roughly in your demographic boat, but I don't think you understand...
We boomers have not paid for SS or Medicare. Oh yeah, we've pretended to pay FICA and Medicare taxes - but at the same time, WE have allowed OUR government to spend it all, mostly on US. Every cent of taxes we've paid has already been spent - plus $16 trillion more.
As for anyone who thinks he pays big health care premiums, unless he is paying for ALL of his insurance as an individual policy holder, he probably has no idea what health care costs. My wife and I pay $2500 per month for $5000 deductable insurance, and we're not even sick. That's what insurance costs if you buy it for yourself. It costs even more for people on Medicare. Start thinking about diseases of old age - cancer, heart and kidney diseases. They're really expensive. And don't forget type II diabetes - it costs a lot for potentially decades.
What people don't seem to realize is that young people's health care doesn't cost much. Old people (that's US) cost a LOT. Our health care costs so much that the majority of us couldn't possibly pay for it if we had to actually pay our fair share at this point in life.
If you process numbers at all, think about this. We spend 1/6 of everything on health care. If the GDP is $15 trillion, then that's $2.5 trillion on health care. That's roughly $8,000 per year per person. For a family of four that's $32,000 per year average. Now, remember that the young don't cost nearly as much as the old, so think what the per capita cost for old people is. Where can it possibly come from? Well, the old haven't saved anything and there's nothing but IOUs in the Medicare trust fund (payable by young taxpayers), so it's the young who are going to pay dearly for us.
The young are going to pay dearly for us. Given that the young don't seem to have any particular sense of altruism, they must be incredibly stupid to have voted the way they have.
Health costs spiraling out of control. Merchants of Sickness making out like bandits (Reason Medical Care stocks are best investment in Wall St. and greedy health providers, insurance, and pharmacompanies hate Obamacare). US Health most expensive, but only 37th best (or worst) in the world. Paralyzed politicians do nothing about it as they enjoy excellent health plans in Congress. Government (it’s its job) has to step in to save the country’ Health from collapse. The outcry vs Universal Care apes outcries in Canada, UK, Germany and other countries where Universal Care’s established. Merchants of Sickness spending millions to brainwash the Average Joe against Obamacare. Per Kaiser Family Foundation, Romneycare would have added more out of pocket expense nationwide to seniors, $200/mo in Florida (AP 10/16/12).
don't forget Greece, Spain and France.....can't wait to be just like them
Now that the election is over, everyone can start considering what they should have thought about before the election. The inevitable consequences of Obamacare should have been high on the list.
People who currently like their health care - that is, the large majority - aren't going to like what's going to happen. Obamacare was designed (even if Nancy Pelosi couldn't read it) to move our country toward a single payor system. That will succeed. It may take 20 years or so, but the insurance companies will either be squeezed out of the system, or effectively nationalized by being required to offer the sole government approved plan.
The irreversible demographic trends will leave us with far more people demanding more health care from fewer doctors. People who used to have good access will wait in line for government rationed care with everyone else. Think Massachusettes Medicaid for all. Nearly everyone has health care coverage, but the poor can't find a doctor to see them without waiting a month or two.
Meanwhile, the rich will do very well. Doctors who don't want to be government conscripts will set up private practices for cash-paying customers. The rich who can afford their health care will have good access to the bst doctors. Everyone else will get what's left. To see this happen in real life today, one only needs to look to England - 90% of health care professionals have private insurance and see their own doctors.
"O Brave New World!"
Thankfully Missouri is one of what nearly 30 states now that have said no thank you and we prefer the market approach for better service and lower cost than Obamacare.
This is such a load of pig manure. There's now way I can afford to buy health insurance and keep food on the table and a roof over my head. The amount of money the feds are offering to "help" me buy insurance is equal to about $20 a month when the insurance is $485 since I'm over 50. This law will definitely move me from the middle class to poverty level which I'm starting to think is the whole idea.
To all who are complaining of A.C.A. and it's catastrophic affects You already pay the costs now.The only people who don't pay are our employees.in effect.the people we did and have previously hired as our Representatives. Get over it!
Listoire,
We've only just begun to pay. In addition to higher costs for people who actually pay their way, those same people will have poorer access to what's left of health care after standing in line behind those they're paying for.
This should be interesting when the government tries to shove healthcare down your throat while you are on Welfare and Unemployment.
you get it for free with a waiver if you can't afford it. So in essence they will shove it down your throat.
The article adds up 96% of the public that has some form of insurance, then says 15% of the population doesn't have insurance.
My extended family has been self employed since the 1950's, their businesses have been located in the poorer side of town and employed mostly minorities. training them in the construction trade and helpng them to obtain the licenses to become professionals in their trade. That has ended now. with the onerous regulations and mandated health care coverages being what they are they have shut down and closed the doors. way to go Obama.
Bye Bye private insurance companies..Hello single payer........
The headline is dead on. States are definately 'under the gun' of the Feds. The exchanges are a highway robbery of states.
If this is such great legislation, why is there no tort reform? Easy answer, Democratic Lawyers' lobby!
Studies have sown that approximately 1/3 of health costs are due to huge settlements, defensive medicne to avoid those settlements and huge premiums paid by doctors. My brother-in law was top of his class at University of Michigan Med school and started off as a partner in a prestigious Pediatrc group. Insurance (in 1992) for him alone was $125,000 per year! Withy the high premiums and a very large student loan debt, the combination of 'fixed' expenses was too much. He eventually moved to Texas and his insurance was about $75,000/year Still a lot of money. Botom line, Doctors insurance premiums SKYROCKET if their isurance company pays out even small setlements.
By the way, the state-run exchanges do not allow for 'out of state' competition for insurance coverage. This is the case today and will remain that way w/Obamacare.
I predict that this legislation will cost trillions and the medical care will be downgraded to where the porrest of us today will be the well off tomorrow (regarding quality of care).
"You asked for it, brother!"
Funny how when they were arguing in front of the Supreme Court they said it was a tax. Now that they have the pile of dog sh!t passed, it suddenly becomes a "fine".
Yeah, well what do you expect from the Flim Flam man? Obama is going to be revealed as the most treacherous, secretive and worst president in history because he wants to take this country down, as any good Socialist would. If anyone with half a brain were to research the ideologies of the early Socialists parties and compare that to the ideology of the current Democratic party you would see no difference. Socialism is an excellent way to destroy a country from the inside and the Democrats have taken a huge first step with Socialized Healthcare.
Seymour....what a steaming pile of hyperbole. You should be ashamed.
Hey Bubba, ya'll lost the election, and it's "Come to Jesus" time for your cracker ass, for sure . . .
For sure!
The way it used to work was that you could cheat and screw the peeps, because (a) the peeps never had the ability to see the big picture and (b) the peeps generally trusted you when you told them that "Bubba loves you" and that "Bubba is doing the best that Bubba can" . . .
But coming up pretty soon, the big picture is going to be readily available for everyone to examine, including the peeps, and two of the first things the peeps are going to discover are (a) that Bubba is a liar and (b) that Bubba has been cheating and screwing the peeps for a long time, and this is not going to make the peeps happy, really . . .
Really!
After a while, the peeps are going to discover the dirty secret of so-called "Bubba health care", which is that Bubba attended a seminar where sneaky weasels explained a new strategy where Bubba gets "health insurance" from his cousin who acts as a broker and keeps a good bit of the money for himself, while using what remains to buy "health insurance" from his buddy, who also is not an actual health insurance company but instead is just another sneaky weasel sucking on the teat, and so forth and so on, where eventually a tiny bit of the money gets to a real health insurance company which now has to spend 85 percent of the money on actual health care, and so forth and so on, but the additional part of the hithertofore dirty secret is that the same multitiered sneaky weaseling happens with clinics, hospitals, doctors, medical laboratories, pharmacies, and so forth and so on, where the vast majority of the money is paid to cousins, buddies, brokers, and all the other assorted sneaky weasels and cohorts who do absolutely nothing other than suck on the "screw the peeps" teat . . .
Sooner or later--and Baldenario advises that it will be sooner--all the sneaky weaseling will be revealed, and it truly will be "Come to Jesus" time for Bubba, where once the truth is known, the big decision will be determining whether Bubba deserves to run a business when Bubba's business enriches only Bubba and his buddies by cheating the peeps, where specifically the reality is that the days of Bubba making thinly disguised threats about "going out of business" or "laying off workers" as part of the ongoing scheme to oppress the peeps are coming to an end, and the new reality soon will be that if Bubba cannot operate a business fairly and honestly with respect for the peeps, then Bubba needs to be run out of business so that other people who are not sneaky weasels can enter the marketplace and engage fairly and productively in honest business, which includes respecting the peeps and providing equitable pay, good benefits, and health care coverage . . .
The fact of the matter is that the days of Bubba and his buddies cheating and screwing the peeps are coming to an end real soon, and regarding the "fear, uncertainty, and doubt (FUD)" threats coming from Bubba, the fact of the matter is that when Bubba only can make a living by cheating and screwing the peeps, it is time for Bubba to be run out of business and out of town in the same way the peeps gave Romney and Ryan one-way tickets to nowhere, which is fabulous . . .
Fabulous! :-D
Why would a @!$%# talk like that.
I think you meant run Obama and the Dems out of town since they are the ones whom are decieving. Talk about taking care of your cousins and buddies he freaking wrote the book. Fair and productive business my a$$.
I wonder whom peeps blame in places that don't have Crack-ass Bubba's? Probably Cracker-ass Bubba's from someplace else. Whoa is me mentality is disgusting.
I meant Woe not reigning in a horse
Baldenario, you sound like someone who deals drugs for a living or is getting public assistance. You for sure are not someone who created a legal business and have the responsibility of providing a living for a number of people of all races. As a family of mixed races and someone who has their own business I am at least smart enough to see the handwriting on the wall. You will only be able to cackle and crow for a few years before even your ignorance can't ignore the destruction of your country.
Baldenario - you seem to presume that someone starts a business to employee people. News flash: people start businesses to make money. If they can't keep up with the work themselves, they hire people so they can make more money. People don't start businesses with the purpose of hiring and providing benefits.