A Quote by John E. McDonough
The impact of the ACA on larger businesses - especially those that self-insure - is far less than what they would experience in the standard commercial insurance market were they to go out and purchase traditional coverage.
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My biggest fear, that 27 percent of Americans under 65 have an existing health condition that, without the protections of the Affordable Care Act, would mean they would - could be automatically excluded from insurance coverage. Before the ACA, they wouldn't have been able to get insurance coverage on the individual market, you know, if you're a freelancer or if you had a small business or the like.
The music and movie business has been consistently wrong in its claims that new platforms and channels would be the end of its businesses. In each case, the new technology produced a new market far larger than the impact it had on the existing market.
Before Medicare, nearly half of American seniors were forced to go without coverage because insurance companies were reluctant to insure them - making the chances of having health insurance as a senior the same as getting tails on a coin flip.
I moved my business to Mobile Insurance because they simply understand my business better than any other insurance agency. My prior agent didn't really understand my coverage. Mobile Insurance President Kurt Kelley came in and was able to explain those coverage issues in detail to me and my legal counsel. He also saved us money and found us better coverage.
The ACA is far from perfect, but through Kynect and expanded Medicaid, it enabled more than 400,000 Kentuckians - especially those with pre-existing conditions - to get affordable health insurance for the first time.
While the ACA's insurance expansions and reforms represent a great leap forward for the U.S., it is also true that when fully implemented by 2018, the U.S. will still have the most inefficient, wasteful, and unfair health insurance system of any advanced nation, even with the ACA reforms.
The question is: Would there be a market in Germany for certain types of employment if one were to allow the employed person to earn less than is necessary to maintain his standard of living?
The majority of Americans receive health insurance coverage through their employers, but with rising health care costs, many small businesses can no longer afford to provide coverage for their employees.
There are fewer media writers in traditional settings. That is a beat that many legacy brands cannot afford. On the other hand technology writers are writing about media in ways they didn't before. As a consequence of the shift, there is less interest in many ways in the activities at some media. If you look at coverage of media as whole, the decision-making at the three broadcast networks and the cable channels, for instance, is much less of a focus than it once was. The guts of what goes on at Fox or CNN or MSNBC probably has less impact than it once did. It certainly gets less attention.
The National Flood Insurance Program is a valuable tool in addressing the losses incurred throughout this country due to floods. It assures that businesses and families have access to affordable flood insurance that would not be available on the open market.
When I get hurt in the market, I get the hell out. It doesn't matter at all where the market is trading. I just get out, because I believe that once you're hurt in the market, your decisions are going to be far less objective than they are when you're doing well If you stick around when the market is severely against you, sooner or later they are going to carry you out.
We can all instinctively understand the idea of life insurance; most of us will feel an instinctive repugnance at the thought of the viatical industry, or 'dead peasants insurance.' As market thinking penetrated the life insurance industry, a moral line was crossed, and the application of market ideas was taken too far.
The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.
The ACA - popularly known as 'Obamacare' - has been an important step forward toward an admirable goal: providing access to health insurance for all Americans. But like many reforms generated by the political process, the ACA is problematic.
I think people forget that when people lose Medicaid coverage, they still show up at the hospital when they have a chronic illness or a traumatic impact on their health. And those bills are paid by the hospital who then passes those costs on. They do not have a magic fairy paying the bills for people who show up without insurance. Those bills are passed on to all the people in our country that do have insurance. That's why this bill is not going to break the cycle of higher premiums - because we're going to have fewer people insured.
King v. Burwell pointed at but did not directly challenge the ACA's most essential weakness: Government-mandated participation in health insurance exchanges as a precondition to receiving a subsidy is not the best or most effective means of achieving its goal of expanded access to health coverage.
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