Tuesday, October 29, 2013

The BIG Lie: You Will Be Able to Keep Your Health Care Plan Under Obamacare

Obama repeatedly promised to all insured Americans "If you’re one of the more than 250 million Americans who already have health insurance, you will keep your health insurance". This is turning out to be one of the biggest lies ever told to the American people

by Larry Simons
October 29, 2013

One of President Obama's crystal clear promises to the majority of the American people concerning Obamacare was his repetitious solemn commitment to those already insured under their own health care plans that they would be grandfathered into the Obamacare law and its provisions.

On at least six different occasions [and there were probably many more] captured in the single clip below alone, Obama promised to all 250 million insured Americans, they would be able to keep their doctors and health care plans.

watch the clip

Obama said this on June 15, 2009:

"We will keep this promise, to the American people: If you like your doctor, you will be able to keep your doctor. Period."  

"If you like your health care plan, you will be able to keep your health care plan. Period."

On July 16, 2009, Obama said this:

"If you got health insurance and you like your doctor, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you."

August 15, 2009:

"No matter what you've heard, if you like your doctor or health care plan, you can keep it."

August 22, 2009:

"If you like your doctor, you can keep your doctor. If you like your private health insurance plan, you can keep your plan. Period."

September 9, 2009:

"If you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have. Let me repeat this: Nothing in our plan requires you to change what you have."

January 27, 2010:

"Our approach would reserve the right of Americans who have insurance to keep their doctor and their plan."

June 28, 2012:

""If you're one of the more than 250 million Americans who already have health insurance, you will keep your health insurance. This law will only make it more secure and more affordable."

We are quickly finding out that the already insured are canceling their insurance plans in the hundreds of thousands as a result of their own plans not meeting new Obamacare provisions. Right in the midst of the Obamacare website being a massive failure, with many reporting glitches and being locked out during their enrolling process, now we have the insured [who were promised their health care plans would not change] jumping ship and completely dropping their plans.

CBS This Morning ran a story yesterday reporting that Kaiser Permanente terminated 160,000 insurance policies in California and in Florida they terminated 300,000. Many people are dropping their existing health care insurance for a plethora of reasons, from not being able to afford the new premiums, higher deductibles under the Obamacare law and simply because under new Obamacare provisions, people are being forced to pay for services they don't need, like pre-natal care [for those who do not want more children].

Here is a clip of White House Press Secretary Jay Carney telling journalist Ed Henry that many will not be able to keep their health care plan under Obamacare

Carney tells Henry that the President had said all along that there would be changes brought about by the Affordable Care Act that had to meet "minimum standards". In other words, if someone's current insurance policy does not include pre-natal care [even if they don't want it because they can't have kids, or don't want any more kids], tough shit, it has to be included [and they have to pay extra for it] and thus their policy has to be changed----thus eliminating their grandfather status.

The truth is, Obama has not said all along that any changes would come about to those who are already insured. He said "If you like your doctor and like your policy, you will keep it. PERIOD." Funny, but I have always thought the word "period" at the end of any sentence meant that what was just said is without exceptions.

FOX News' Megyn Kelly reported last night on her show The Kelly File that the Obama Administration has known since 2010 that many policy holders were going to lose their insurance policies due to the Affordable Care Act [ACA]. Kelly reported that the document titled "Internal Revenue Bulletin: 2010-29", issued on July 19, 2010, states: [Kelly only quotes a small portion of the below text, but RTO has the full paragraph]

"Using these turnover estimates, a reasonable range for the percentage of individual policies that would terminate, and therefore relinquish their grandfather status, is 40 percent to 67 percent. These estimates assume that the policies that terminate are replaced by new individual policies, and that these new policies are not, by definition, grandfathered. In addition, the coverage that some individuals maintain for long periods might lose its grandfather status because the cost-sharing parameters in policies change by more than the limits specified in these interim final regulations. The frequency of this outcome cannot be gauged due to lack of data, but as a result of it, the Departments estimate that the percentage of individual market policies losing grandfather status in a given year exceeds the 40 percent to 67 percent range that is estimated based on the fraction of individual policies that turn over from one year to the next."

In clear English, it does state that many policies would lose their grandfather status. 40 to 67% of policies would give up their grandfather status under Obamacare, completely contradicting Obama's words that those who choose to keep their policies will be able to keep them.

On February 25, 2010, Obama said this:

"Actually any insurance that you already have would be grandfathered in so you could keep it. Um, so you could decide not to get in the exchange the better plan, I-I could keep my acme insurance, just a high deductible, catastrophic plan. Uh, I would not be required to get the better one.."

Five months later, the IRS releases this bulletin that basically says up to 70% of policies will lose grandfather status. Now Obama supporters are arguing that Obama never lied at all. They support his lie [that the insured will be grandfathered in] by claiming that people are only grandfathered into Obamacare only if Obamacare did not change any part of the policy.

The fact is, the Department of Health and Human Services wrote regulations for Obamacare that heavily narrowed the grandfather provision, saying that if any part of a policy was changed since that date [July 2010], the "grandfathering" provision would be obliterated. This is why hundreds of thousands of already insured people are canceling their policies. What Obama was really saying when he made all those speeches about the insured getting to "keep their doctors and health care plans" is "If you like your health care plan, you will be able to keep your health care plan-----but only if it meets the new Obamacare standards [and none will]...........Period."

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