If You Like Your Health Care Plan, You Can Start Beating Your Head Against the Wall Now

If you like your health care plan, tough luck—if you’re on a Medicare prescription drug plan:

More than 3 million seniors may have to switch their Medicare prescription plan next year, even if they're perfectly happy with it, thanks to an attempt by the government to simplify their lives.

The policy change could turn into a hassle for seniors who hadn't intended to switch plans during Medicare's open enrollment season this fall.

And it risks undercutting President Barack Obama's promise that people who like their health care plans can keep them…."As a result of this policy, there are going to be fewer plans offered in 2011," said Bonnie Washington, a senior analyst with Avalere Health, which produced the study.

If you like your health care plan, better luck next time—if you’re a college student:

Along comes word that the bill "could make it impossible for colleges and universities to continue to offer student health plans." That's how the American Council on Education and a dozen other higher-ed lobbies put it in a recent letter to the Obama Administration, warning that the insurance coverage they offer may get junked by ObamaCare's decrees.

Between 4.5 million to 5.5 million students annually are insured by short-term plans sponsored by their schools, which are tailored to upperclassman who have aged out of their parents' coverage or to international and graduate students. These plans are very low cost because the benefits are designed for generally healthy young people and often organized around campus health services and academic medical centers.

All of which means these plans aren't likely to qualify under ObamaCare's "minimal essential coverage" rules that mandate rich benefit packages, even if colleges have the flexibility to make exceptions for special needs. And given that insurance must now be sold anytime to everyone, colleges may be required to continue to cover students after they've graduated-leaving this type of coverage unaffordable.

If you like your health care plan, cross your fingers and hope you’ll like your new one better—if your employer sponsored plan doesn’t meet the law’s strict grandfathering requirements:

While many U.S. companies initially hoped they could preserve much of their existing group health plans under the new grandfather provision, a new survey by Hewitt Associates, a global human resources consulting and outsourcing company, shows that almost all now believe they will not. Ninety percent of companies said they anticipate losing grandfathered status by 2014, with the majority expecting to do so in the next two years.

Under the “grandfather” provision of the U.S. Patient Protection and Affordable Care Act, companies can maintain many of their current health care coverage provisions and are required to make fewer changes to plan documents and administrative procedures in order to comply with the new law. Companies can lose their grandfather status if they take certain steps such as reducing benefits, significantly raising co-payment charges, significantly raising deductibles or changing insurance carriers.

According to Hewitt’s survey of 466 companies–representing 6.9 million employees–most companies expect to lose grandfather status because of health plan design changes (72 percent) and/or changes to company subsidy levels (39 percent).

None of this is exactly surprising—at least if you’ve been paying attention. Any health system overhaul as sweeping as the PPACA was bound to upset existing coverage arrangements, especially given the dominance of insurance in American health care. But given how disastrous the possibility of forced plan changes proved to HillaryCare in the 90s, the law’s supporters couldn’t admit that. So President Obama and congressional leadership and the progressive activist class had to promise, repeatedly, that no one would have to change plans if they didn’t want to.

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  • ||

    But it's still gonna lower the deficit, right?

    Right??

    Anyone???

  • -||

    Relax. You may wobble, but you won't fall down.

  • Jeffrey Tambor||

    Yes, after raising taxes by $525 billion.

    HEY NOW!!

  • Jim-Bob||

    It seems like they know what they are doing. Usually when the congressmans do something it works better (or at least not worser) and you don't have the greedy profit motive and bad corporations involved. I'm sure that Ms. Pelosi and Mr. Frank have thought this thru.
    Stop trying to rain on the American people's parade. If the insurance companies and the banks and GM and the unions and the democrats and the M.D.s are behind this, then it will work out cuz they all have only the interests of the consumers at heart and are only motivated by compassion.
    Unlike you hartless libertari-fascists

  • ||

    C+

  • Jeffrey Tambor||

    Grade inflation.

    HEY NOW!!

  • Old Mexican||

    You broke my hart!

    You hartless bastard!

  • ||

    I'm sure that Ms. Pelosi and Mr. Frank have thought this thru.

    Is this guy serious? That's almost as funny as this:

    risks undercutting President Barack Obama's promise

    What a shock! I'm sure that's never happened before!

  • Spartacus||

    To be fair, he usually doesn't keep a promise long enough to allow anyone else to undercut it.

  • ||

    "Is this guy serious? That's almost as funny as this:"

    I'm with you. Either Jim-Bob has taken too many drugs and needs to be on them. WOW!!! Jimmy Bob Ms. Pelosi is the same woman that stated "we must pass the bill to see what's in it". Frank is one of the main individuals that help bring the housing market to it's knees. C'mon Jim wake up... WAKE UP JIM!!!

  • Old Mexican||

    Re: Jim-Bob,

    Usually when the congressmans do something it works better (or at least not worser) and you don't have the greedy profit motive and bad corporations involved.

    You make such a great impression of someone who received his education sorely from the American Public School System! Wow!

    Give us another one!

  • ||

    I hope I don't have to do the whole thing about how congress people have "honorable" in front of their names plate dohickeys...just like my name plate has 'big dick' in front of my name...so you know that i have a big dick.

  • ||

    Hey Jim,

    any chance you can bring that routine to the comedy club near me? You're a funny guy.

  • Fist of Etiquette||

    I'm pretty sure this is parody.

  • DLM||

    I'm pretty sure this is parody.

    Only 'pretty sure'? I think it's pretty good given how many people have apparently fallen for it.

  • Gilbert Martin||

    Oh look.

    Another troll who needs training wheels.

  • ||

    This is some of the best satire I've read in a long time!

  • ||

    Jim-Bob -

    That wuz great satire. I really liked the "cuz they have only the interests of consumers at heart" line.

    To the rest of you - you need to lighten up. To quote someone in DC "you might be acting stupidly" if you thought Jim-Bob was serious.

    I would like to have a beer with Jim-Bob someday.

    As to the original article, I have to say that anyone who downloaded and read any of this monstrosity of health care bill (unlike our elected officials)could have seen this coming. There was no way we were going to keep our existing insurance plan.

    Repeal the bill!

  • DLM||

    I would like to have a beer with Jim-Bob someday.

    Why wait?

  • The Extispicator||

    "eh, that's not too bad."

  • Joe M||

    Flames, on the sides of my face.

  • Ska||

    Fucking Madeline Khan Clue reference?! Nice.

  • Pip||

    It's all going to be repealed anyway.

  • Mike M.||

    I think it will be struck down by the courts as unconstitutional, which it is.

    But if it isn't, and if the republicans do as well in November as I think they will, then the state legislatures should look into the possibility of striking down the law by passing an amendment via a constitutional convention.

  • DLM||

    I think it will be struck down by the courts as unconstitutional, which it is.

    Only parts of it. The main purpose was to get something (anything) on the books, so the best that can practically be done is to fix it, but it won't get outright repealed. It might be possible to 'neuter' it, though.

  • ||

    Tony Robbins says that collapse is coming.

  • ||

    Doesn't seem like a smart marketing move by Tony Robbins. Why would I need to buy his motivational products if the end is near?

  • Ebeneezer Scrooge||

    So you'll feel better and more gigantic about it than ever before.

    Duh.

  • Rich||

    “if you’ve got health insurance, [and if] you like your doctors, [and if] you like your plan, [and if -- the *big* 'if'] you can keep your doctor, [then] you can keep your plan."

    "When I say ‘If you have your plan and you like it,… or you have a doctor and you like your doctor, that you don't have to change plans, what I'm saying is the government is not going to make you change plans under health reform. [However, when I say other things, what I'm saying is the government is going to make you change plans under health reform.]"

    Continuing to study Obamaese ...

  • hurly buehrle||

    More than 3 million seniors may have to switch their Medicare prescription plan next year, even if they're perfectly happy with it, thanks to an attempt by the government to simplify their lives.

    That's some nice political maneuvering there. Way to take ownership of the one feature of US healthcare that can legitimately be blamed on Bush, and make it worse.

  • ||

    We already know Obama and his administration flat out lie, so why would we take anything he's ever said or will say seriously? Even his supporters no longer--ever--quote his claims/promises about anything, because he's broken them all.

    It seems pointless at this point to continue to analyze his statements, because everything he said was not going to happen is, and what was going to happen isn't, without fail. I mean shit, dude, that's an impressive track record, and it seems that we can rely on it by this point. So whatever he says, reverse it and you are essentially guaranteed to know what will actually happen.

  • ||

    It goes far beyond simple lying.

    I have a hard rule now that whatever Obama or any of evil minions say, you can count on the fact that they are doing the exact opposite, and/or you have to parse out what Obama is actually saying.

    So, when he tells you that "he doesn't have any interest in running a car company," he means that he would love to own one and have other people run it for him.

  • Porchnik||

    This means so much coming from a Bush-voter. Tell me more about Presidents who lie.

  • Sundog||

    I don't blame you a bit, Porchnik. If I were an Obama voter, I would be desperate to change the subject to Bush too. But it won't work. He's gone. He's history. Obama is in the hot seat now, and he's the one who's looking at a full-on voter revolt. Chanting your tired, worn-out anti-Bush slogans will not save him. But feel free to waste your breath trying.

  • Sean W. Malone||

    Epi, did you vote for Bush? I'd be surprised, but I can't say I was paying attention.

  • ||

    If Suderman weren't such a shill he would mention the fact that the unions were granted grandfather status without having to do anything.

  • Mike M.||

    Furthermore, certain religions are specifically exempt from the law, which in my opinion is the most unconstitutional aspect of a law which is shaky on a few different grounds.

  • CONCERNED CITIZEN||

    Which religions? I need to join one of them.

  • ||

    I'm pretty sure it's only the Amish.

    And if SCOTUS has already said that peyote is illegal for most of us but legal in certain Native American religious ceremonies, I can't see them overturning Obamacare on those grounds.

  • CONCERNED CITIZEN||

    Actually, it has nothing to do with their religion. They don't have socialist security numbers. They're outside the system. One more way the gov't has found to enslave us.

  • AZ Blondie||

    Actually, the Amish do have social security numbers. They just aren't required to pay in to the system.

  • MacGhil||

    Speaking of Native Americans, even if it isn't overturned or repealed, Barry's Big Medical System has presented Native American tribes with a great opportunity:

    One advantage of the “Native American Strategy” for black market healthcare is that it would allow medical centers of various sizes and emphasis to be established in numerous convenient tribal locations around the U.S., as the need and logistics allow. Within a decade or two, if they play their cards right, Native American tribes may even find themselves controlling nearly 20% of the American economy – which would be justice at its finest.

  • Slut Bunwalla||

    "Along comes word that the bill 'could make it impossible for colleges and universities to continue to offer student health plans.'"

    AhahahahahahahahahahahahAHAHAHAHAHAHAHAHAHAHAAHAHAHAHAHAHAHAHA!
    How do you like your hope and change now, you stupid fuckers!

  • Carl||

    How do you like your hope and change now, you stupid fuckers!


    that is the only way to describe the zombie college students who fell for obama.

  • irratical||

    My daughter doesn't go to a college that offers health insurance, but now I can keep her under my plan until she turns 26. So I like it just fine shit-for-brains.

  • Bill||

    So we needed all thousand pages in the bill to keep kids longer on the parents' coverage. That is efficient legislation.

  • DLM||

    My daughter doesn't go to a college that offers health insurance, but now I can keep her under my plan until she turns 26.

    Which will be for how long? Then what?

  • AZ Blondie||

    What about college kids whose parents don't have insurance, or can't afford to / choose not to keep their adult children on their policies?

  • Almanian||

    Prostitution is one option

  • ||

    They can still purchase health insurance. It will still be very cheap due to their age. I would venture to guess that the college plans are really no great deal as they are currently structured. If your young your premiums are very low. If you are in college you are probably young. Therefore.....

  • Sean W. Malone||

    Lemme clue you in to something I just learned when I tried to switch my individual insurance plan...

    ‎"Please note effective 9/17/10, Anthem Blue Cross and Blue Shield will not sell Individual health insurance plans until we receive final approval from Connecticut Department of Insurance on our plans that include Health Care Reform mandated benefits"

    So uh... What about them still being able to purchase health insurance?

    Oh and by the way, the only plans currently available to me are at least double the cost of what I had been paying before... I am fairly young, my premiums used to be very low... And yet..................

    Therefore............?

  • brian r.||

    These comments sounds disparaging toward the health care legislation. You mean you find it hard to believe that you can cover 30 million more people for less money? You find it hard to believe that you can add 30 million new customers (demand), with no increase in doctors/hospitals (supply) and decrease the cost of health care? You find it hard to believe that that adding 30 million new customers will not effect your health care? That would mean that The President, the Speaker, and the Majority Leader were saying things that weren't true. Is that possible?

  • DLM||

    And keep the same quality?

  • ReasonableOne||

    Brian, darling READ the bill. If there ever was a more fantasmagorical piece of fiction written, I haven't seen it. Never mind that you will be REQUIRED to buy health insurance at whatever rate the insurance companies set (exempt from anti-trust, remember!) or pay a fine, which means that minimal required coverage will cost the same as the fine. Anyone who passed Econ 101 could figger that'n out.

  • ||

    Yes you can, you increase the risk pool to include 30 million more paying customers with lower than average risk than the current pool and your premiums go down.

  • ODIrony||

    You know, I'd like to do my part to help the economy and retire now. If I could arrange reasonable cost health care coverage I could do it. In the process I'd be helping make the planet greener by no longer driving 40 miles round trip five days a week AND I'd be giving a younger person a chance for a job. C'est la vie!

  • ReasonableOne||

    Only forty miles? I envy you. I commute 100 miles RT here in "green" California.

  • ||

    obamacare is a HUGE mistake; I am actively opposing any candidate that supported it, and supporting all who will sponsor Repeal.

    The Democratic Congress, and President, that passed this abomination has a lot to be held accountable for - Blanche Lincoln is just a start.

  • Quintin3265||

    Well, this article makes the assumption that most people actually like their current health insurance plans. While I'm sure there are some people who have had to make claims and are satisfied, it's more likely that 90% or more of the population is divided into two groups:

    1. Those who have never gotten seriously ill, and have never had to actually deal with the insurance companies with claims
    2. Those who have fallen ill, like myself, and who have wasted hundreds of hours and who have lost thousands of dollars because of paperwork that was missing, had a typo, wasn't signed, or where the insurance rep outright lied about the coverage being provided

    I understand that some people are angry that their plans might be changed. But please consider that you may not have enough information to evaluate whether your current plan is actually that good if you've never been sick.

  • EscapedWestOfTheBigMuddy||

    The experience of the SO is that after dozens of phone calls haven't fixed an error a flat statement of "You screwed up, I'm not paying, and if I see this on my credit report I will take legal action." works more often than not.

    This has worked for her on errors committed by hospitals, private doctors practices, medical supply houses, and Blue Cross.

    I presume that this is because a certain fraction of the bogus refusals are a manifestation of squeezed bureaucrats just taking a flyer on getting you to cave.

    But---and pay attention here---it simply does not work with Medicare. Ever. When Medicare screws up, you pay for it.

  • ||

    Those who have fallen ill, like myself, and who have wasted hundreds of hours and who have lost thousands of dollars because of paperwork that was missing, had a typo, wasn't signed, or where the insurance rep outright lied about the coverage being provided

    And not a single fucking thing in that health care bill will make do anything about any of that.

    In fact, by larding on more and more regulation and cost, more likely than not it will make the private health insurance bureaucracy worse, not better. Right up until they go out of business and are taken over by helpful, knowledgable, motivated tenured public sector employees.

  • Quintin3265||

    This point reminds me of the bogus "death panels" controversy.

    The idea of having government representatives on some sort of "death panel" sounds scary until one realizes that "death panels" exist right now and that they are run by insurance companies. They condemn cancer patients to death every day, for example, and do so in order to maximize profit.

    If I had a choice of private insurers making the decisions or the government making these sort of decisions, I'll take the government any day.

  • NHlady||

    Well you are wrong. Medicare has already started the "end of life" program for cancer patients and they claim it's working out so well they plan to add other illnesses to the program.
    I guess you haven't had any loved one in their clutches. My Dad was placed in hospice on June 30 of this year because he was in severe pain. They never bothered to find out what was causing the pain. They actually told us they would keep increasing the morphine dosage. Dad died on July 4th. Two weeks earlier he was out eating cheeseburgers on Father's Day.

    This gang has little respect for the sick or the elderly and will cheap it out. THe future with ObamaCare.

  • Sundog||

    It's you who are wrong, NHlady. There is a huge difference between an insurer saying "We won't cover that" and a government saying "You can't have that, and we'll throw you in jail if you try to get it." Only one of those is a death sentence.

  • Bill||

    Guess what, most Americans would prefer to deal with the private insurers.

  • ReasonableOne||

    And I'd be happy to let you have that choice if you let me have the choice of keeping my Kaiser plan just the way it is.

  • DLM||

    Well, this article makes the assumption that most people actually like their current health insurance plans.

    What matters is if they like it compared to what the alternatives will be (and not what someone *claims* they will be).

  • Almanian||

    Oops - forgot the onvious third choice - "had to use my insurance more than once, re: some pretty serious conditions, over a period of roughly the last 20 years, and am COMPLETELY satisfied with it."

    That'd be me. Keep government as far the fuck away from my private insurance as possible.

  • ReasonableOne||

    I have chronic conditions and my health plan has always responded promptly, properly and inexpensively to all my acute and chronic problems. I'm sorry if yours doesn't but I'll bet you a year's salary the government program will definitely not be better and probably will be worse.

  • ||

    Sadly, anyone paying attention while this bill slithered through Congress, has not been surprised by the horrors that are being exposed daily. With the exception of the changes made to
    insurance companies' policies, every
    claim made by Obama/Pelosi/Reid were lies. No one with a single brain
    cell could have believed that the plan
    was going to reduce the deficit, extend Medicare without loss of benefits, or reduce premiums. How
    insulting it's been to be told that opponents just did not understand it.
    The one who didn't understand it was
    Obama. But the truth is Obama didn't
    care how bad the bill was, he just wanted to be "historic"! I have been
    shocked to see how long it has taken the American people to see what Obarf has been doing to destroy this
    country and its economy. Hopefully
    November won't be too late for America.

  • ||

    It's simple: the American people handed over virtually dictatorial power over their lives to Democrats. Now the public deserves to pay for that error.

  • ||

    Obama is evil for mandating that college student insurance actually cover the cancer treatment for students who are forced to drop out of college when they are being treated for cancer. College health plans should not cover life threatening illness, just the low cost health problems like birth control pills and sprained ankles.

    And Obama is evil for failing to allow employees to keep the health plans their employer gives them, where the employer cuts benefits and makes employees pay more, because employees really want their employer to eventually provide absolutely no health care benefit at all.

    And how evil is Obama when he refuses to accept that by paying private health insurers more than the government pays to cover Medicare benefits, the cost of Medicare will be cheaper. Any moron knows that paying $1.14 to private insurers to provide the benefits that government provides directly for only $1 is cheap. Obama is really stupid to not realize that tax payers paying $1.14 instead of $1 is cheaper for tax payers.

    To sum up, Obama doesn't get it, employees want their employer to phase out health benefits, $1.14 is less than $1, and parents know their college student children who get cancer deserve to die unless they can be full time students while undergoing chemotherapy.

  • Troll Alert||

    You can't really be that stupid, so you must be just trying to get everyone's blood pressure up (I wonder if that's covered under ObamaCare Lite).

  • 2010Ready||

    mulp's right about one thing (the rest, I assume, was supposed to be sarcasm - he needs to work on that).

    Obama doesn't get it. He is in so far over his head. We haven't seen incompetence like this since Jimmy Carter.

  • Ebeneezer Scrooge||

    I wish it was merely incompetence we were looking at.

  • ||

    What's so frustratingly unbelievable about this whole fiasco from the outset is how the Democrat Congressional leadership and the president keep making promises about the Brave New World of socialized government controlled healthcare, while at the same time telling us how they haven't even read the bill!

  • Nancy Pelosi||

    Read it?

    You want me to read it?

    Are you serious? Are you serious?

  • Magister||

    What is never mentioned is the enormous cut in payouts to doctors providing coverage to our military service members. TRICARE, designed to help our nation's active duty servicemembers, now hamstrings them and their family members with special needs. Doctors don't want new TRICARE referral patients, because they lose money treating them.

    Another ObamaCare victory.

  • ||

    Reality is a bitch ain't it? Unlike the land of Oz that the liberal socialists seem to live in, 1=3 doesn't work in the real world. You can't grow the overhead (bureaucrats) and keep cost the same! Unfortunately, the people that will be hurt the most from the Dems socialist experiment are the very people they were purporting to help. Ya can't change economics or math through legislation even in the land of Oz.

  • Applebit||

    Oh yes, Bush-voter, tell me how the economy works in the "real world." Is that the one where deregulating the financial markets, launching pointless wars, and cutting taxes for the wealthiest doesn't lead to a recession? Is that the one?

  • This is your brain on||

    Team Red/Team Blue

  • Bill||

    So you are saying Fannie Mae and Freddy Mac giving loans to everyone who could spell house even if they couldn't afford one had nothing to do with our current situation?

  • ||

    Uh, I don't think you had to know how to spell "house."

  • Colin||

    deregulating the financial markets

    Comedy. Apparently in liberal la-la land passing Sarbanes-Oxley and increasing both the SEC's budget and personnel is "deregulation." Render unto me a freakin' break.

  • Almanian||

    I know that SOX has been nothing but a PARTAAAAAAAAAAY for my bidness!! A ParTAY! Just ask the Controllers Office - they LOVE it!

    SOX - If that's not deregulation, I don't know what is! And MORE will help the economy!

    OK, back on my meds....

  • Sundog||

    Good execution of the "change subject to Bush" maneuver from the leftist playbook, but I can only give you partial credit. You didn't follow through by calling us all racists. That's required now. Didn't you get the memo?

  • Chad||

    Ummm, my health care plan has changed every year of my adult life to at least some degree, and every few years undergoes even larger changes....and this has nothing to do with government.

  • Sundog||

    It will from now on.

  • Bob Z||

    "Companies can lose their grandfather status if they take certain steps such as reducing benefits, significantly raising co-payment charges, significantly raising deductibles or changing insurance carriers."

    In other words, if your employer significantly changes your plan, you cannot keep the same plan as you had before the company changed the plan.

    That would be true even without the PPACA. Your plan would would be different if the employer significantly changed it.

    Over the past decade many companies, probably most companies, have reduced health care benefits, increased employee costs, or both. The belief that most people could keep the same benefits at the same cost in the future, with or without the legislation, is an unrealistic fantasy.

  • ||

    I think a majority of the American public knew Obama and the Democrats were lying even as they promised everybody they could keep their plans. All we can do now that we know absolutely for sure that they lied is march to the polls in Nov and defeat every single Democrat on a ballot anywhere in the nation! If you let a politician bald face lie to you and get away with it, it will never end!!!

  • DLM||

    I think a majority of the American public knew Obama and the Democrats were lying even as they promised everybody they could keep their plans.

    I think it's the same mentality people have when they buy lottery tickets. 'This time it will be different!'

  • ||

    All I've gotta say is, if this doesn't scare the heck out of everyone, nothing will. Every sane person who doesn't want to see the USA go the way of France and the rest of Europe had better get to the polls in Nov. and take a couple like-minded folks with you. If there was ever a time to send a message, A LOUD AND CLEAR MESSAGE to Washington D.C., it is NOW ! ! !

  • Ebeneezer Scrooge||

    Yeah. You got it.

    We should instead vote for the people who brought us Medicare Part D and the Iraq fiascoes.

    Then all will be well again.

  • V||

    I had my University insurance when I was at school. It was a lot cheaper than staying on my dad's plan (and way more convenient). Something that actually works gets cut. No surprise here: government in action.

  • Lee A. Arnold||

    "who doesn't want the USA to go the way of France" where they have much better food. In case you all hadn't noticed, people have been losing their healthcare plans because their employers couldn't afford it. Obamacare won't force it: like the quote cited by Peter Suderman says, "companies can lose their grandfather status if they take certain steps such as reducing benefits, significantly raising co-payment charges, significantly raising deductibles or changing insurance carriers." In other words, only if your EMPLOYER changes your plan.

    What will happen over a few more years is everybody will WANT to take their healthcare compensation (make sure your employer gives you all of it back!) and go buy one a plan on the individual state exchanges:

    They'll have less cost-markup than you're seeing now, because the insurers' risk pools will be a lot bigger. So you'll be able to pocket the difference.

  • ReasonableOne||

    PLEASE tell me no one is surprised by any of this!

  • ||

    So is there anything substantive in your random quoting of other reporting? I mean if you read the entire yahoo news article, you find that the reduction of Medicare drug plans offered might reduce confusion, increase efficiency and provide better plans for seniors. Are you really upset that it might be a little confusing at first?

    And for grandfathered employer-plans - no where does the article state that these companies will no longer be providing plans, only that if they change the plan they will no longer be grandfathered.

    So the issue is not the government changing your plan - but the company changing your plan!

    In our prior system your plan was not guaranteed either - pre-existing conditions, change in what employers offer etc... And what about people who don't like their insurance plan and cannot change it? And maybe if you like your current insurance plane, you might like your next one even better?

  • ||

    More right-wing drivel....if you have your own plan from a private provider, yes you may keep it as long as you want it and as long as your provider exists. However, a GROUP plan isn't "your" insurance plan, it belongs to the company (or organization) that you are a part of. They are paying for it (at least the bulk of it), not you. If the company decides to drop insurance coverage and "just pay the fine" instead, that is their right because it's THEIR plan. Fortunately, if that happens to you, you will now be able to buy your own insurance coverage without worrying about being denied. Like conservatives always say, stop expecting others to pay for your services, BUY IT YOURSELF.

  • Sundog||

    That depends on what the meaning of "is" is, doesn't it?

  • prolefeed||

    This health care law is Blackwhite if you oppose it and Blackwhite if you are behind it. Looked it up my Newspeak dictionary.

  • fendi bags||

    You make such a great impression of someone who received his education sorely from the American Public School System! Wow!

  • burberry scarf||

    I had my University insurance when I was at school. It was a lot cheaper than staying on my dad's plan (and way more convenient). Something that actually works gets cut. No surprise here: government in action.

  • bags||

    my health care plan has changed every year of my adult life to at least some degree, and every few years undergoes even larger changes....and this has nothing to do with government.

  • ||

    Yes, too bad for college students under the Obama plan. Now instead of getting to pay for their health insurance, they have to get it for free if they have one or more siblings, or at a lower cost as a family plan add on to their folks. Damn those liberals.

  • ||

    And medicare part D was being restructured well before the health care plan was passed . It is no big deal either, now it just closes what is known as the doughnut hole. This is a good thing for all seniors BTW. Damn those liberals.

  • ||

    "Under the “grandfather” provision of the U.S. Patient Protection and Affordable Care Act, companies can maintain many of their current health care coverage provisions and are required to make fewer changes to plan documents and administrative procedures in order to comply with the new law. Companies can lose their grandfather status if they take certain steps such as reducing benefits, significantly raising co-payment charges, significantly raising deductibles or changing insurance carriers."

    So if between now and 2014, your company health insurance gets a lot crappier, then it may not be grandfathered in and your employer will be forced to give you a choice to get something better and cheaper. Damn those liberals.

  • ||

    But I get cheese with the gub'ment plan, right? Cuz if I don't get cheese, well, I guess I'd be kinda angry and stuff.

  • ||

    Why all the doom and gloom. You cannot be fined without a trial, discovery of all the 'experts' who decide your insurance is no good could take years, and they would have to do it every year for every person. Even the IRS has to prove in court you didn't pay your taxes. Let them try and prove in court that my lack of a cervix mandates I have pap smear coverage to have a quality plan.

    As for the death panels, I don't care what they say. I knows who told me there are none, and will make sure I outlive them if they break their promise. A death sentence gives you a whole lot of choices when there is no downside. If they all die out first, there is always the current ones who haven't repealed it.

    As long as they haven't lied to me, there is nothing to worry about, and they can sleep safe at night. When they tell me I cannot get the health care I need, I WILL GET THE BULLETS I NEED! I told them before they passed it and will not go back on my word.

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