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It seems to me that the inevitable result will be a massive outbreak of
default due to the<br>
inability of citizens to cough up the tribute money to the Insurance
Companies.<br>
<br>
Some will simply refuse to pay. Some will be unable to pay.<br>
There will be chaos. There may well be bloodshed also.<br>
<br>
Waxman reminds me of Gerald Scarfe's evil professor from THE WALL.<br>
<br>
<br>
<img src="cid:part1.02080309.00090308@pigsqq.org" alt=""><br>
<br>
Wroo--ong! Do it again!<br>
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On 8/12/2012 10:55 PM, David Johnson wrote:
<blockquote cite="mid:41A965794C6749F2BB072CFCF364A57E@owneryr3fp4mcb"
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Original Message -----
<div
style="background: rgb(228, 228, 228) none repeat scroll 0% 0%; -moz-background-clip: border; -moz-background-origin: padding; -moz-background-inline-policy: continuous;"><b>From:</b>
<a moz-do-not-send="true" title="dlj725@hughes.net"
href="mailto:dlj725@hughes.net">David Johnson</a> </div>
<div><b>To:</b> <a moz-do-not-send="true" title="dlj725@hughes.net"
href="mailto:dlj725@hughes.net">david johnson</a> </div>
<div><b>Sent:</b> Sunday, August 12, 2012 9:20 AM</div>
<div><b>Subject:</b> ACA - devil is in the details and fine print</div>
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<h1 class="articleHeadline" itemprop="headline"><nyt_headline
version="1.0" type=" ">Ambiguity in Health Law Could Make Family
Coverage Too Costly for Many</nyt_headline></h1>
<nyt_byline></nyt_byline></font>
<h6 class="byline"><font face="Arial" size="2">By <span
itemprop="creator" itemscope="" itemtype="http://schema.org/Person"
itemid="http://topics.nytimes.com/top/reference/timestopics/people/p/robert_pear/index.html"><a
moz-do-not-send="true" title="More Articles by ROBERT PEAR"
href="http://topics.nytimes.com/top/reference/timestopics/people/p/robert_pear/index.html"
rel="author" itemprop="name">ROBERT PEAR</a></span></font></h6>
<h6 class="dateline"><font face="Arial" size="2">Published: August
11, 2012 </font></h6>
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class="shareTools shareToolsThemeClassic articleShareToolsTop shareToolsInstance"
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data-title="Ambiguity in Health Law Could Make Family Coverage Too Costly for Many"
data-url="http://www.nytimes.com/2012/08/12/us/ambiguity-in-health-law-could-make-family-coverage-too-costly.html"
data-description="Rules proposed by the I.R.S. could leave millions of people in the lower middle class uninsured and frustrate the intent of Congress, which was to expand coverage.">
</div>
<div class="articleBody">
<nyt_text><nyt_correction_top></nyt_correction_top>
<p itemprop="articleBody"><font face="Arial" size="2">WASHINGTON —
The new <a moz-do-not-send="true" class="meta-classifier"
title="Recent and archival news about healthcare reform."
href="http://topics.nytimes.com/top/news/health/diseasesconditionsandhealthtopics/health_insurance_and_managed_care/health_care_reform/index.html?inline=nyt-classifier">health
care law</a> is known as the <a moz-do-not-send="true"
title="health law" href="http://www.healthcare.gov/law/index.html">Affordable
Care Act</a>. But Democrats in Congress and advocates for low-income
people say coverage may be unaffordable for millions of Americans
because of a cramped reading of the law by the administration and by
the <a moz-do-not-send="true" class="meta-org"
title="More articles about the Internal Revenue Service."
href="http://topics.nytimes.com/top/reference/timestopics/organizations/i/internal_revenue_service/index.html?inline=nyt-org">Internal
Revenue Service</a> in particular. </font></p>
</nyt_text></div>
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<h6 class="credit"><font face="Arial" size="2">J. Scott
Applewhite/Associated Press</font></h6>
<p class="caption"><font face="Arial" size="2">Representative Henry
A. Waxman believes that an Internal Revenue Service interpretation of
the health care law is wrong. </font></p>
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<h3 class="sectionHeader"><font face="Arial" size="2">Related</font></h3>
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<h6><a moz-do-not-send="true"
href="http://www.nytimes.com/2012/08/05/us/us-officials-brace-for-huge-task-of-running-health-exchanges.html?ref=us">U.S.
Officials Brace for Huge Task of Operating Health Exchanges</a> (August
5, 2012) </h6>
</li>
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<p class="summary"><font face="Arial" size="2">Follow <a
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for breaking news and headlines.</font></p>
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<p itemprop="articleBody"><font face="Arial" size="2">Under rules
proposed by the service, some working-class families would be unable to
afford family coverage offered by their employers, and yet they would
not qualify for subsidies provided by the law. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">The fight
revolves around how to define “affordable” under provisions of the law
that are ambiguous. The definition could have huge practical
consequences, affecting who gets help from the government in buying <a
moz-do-not-send="true" class="meta-classifier"
title="More articles about health insurance."
href="http://topics.nytimes.com/your-money/insurance/health-insurance/index.html?inline=nyt-classifier">health
insurance</a>. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Under the law,
most Americans will be required to have health insurance starting in
2014. Low- and middle-income people can get tax credits and other
subsidies to help pay their premiums, unless they have access to
affordable coverage from an employer. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">The law
specifies that employer-sponsored <a moz-do-not-send="true"
class="meta-classifier" title="More articles about insurance."
href="http://topics.nytimes.com/your-money/insurance/index.html?inline=nyt-classifier">insurance</a>
is not affordable if a worker’s share of the premium is more than 9.5
percent of the worker’s household income. The I.R.S. says this
calculation should be based solely on the cost of individual coverage
for the employee, what the worker would pay for “self-only coverage.” </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Critics say the
administration should also take account of the costs of covering a
spouse and children because family coverage typically costs much more. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">In 2011,
according to an <a moz-do-not-send="true" title="survey"
href="http://ehbs.kff.org/">annual survey</a> by the Kaiser Family
Foundation, premiums for employer-sponsored health insurance averaged
$5,430 a year for single coverage and $15,070 for family coverage. The
employee’s share of the premium averaged $920 for individual coverage
and more than four times as much, $4,130, for family coverage. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Under the
I.R.S. proposal, such costs would be deemed affordable for a family
making $35,000 a year, even though the family would have to spend 12
percent of its income for full coverage under the employer’s plan. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">The debate over
the meaning of affordable pits the Obama administration against its
usual allies. Many people who support the new law said the proposed
rules could leave millions of people in the lower middle class
uninsured and frustrate the intent of Congress, which was to expand
coverage. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">“The effect of
this wrong interpretation of the law will be that many families remain
or potentially become uninsured,” said a letter to the administration
from Democrats who pushed the bill through the House in 2009-10. The
lawmakers include Representatives Henry A. Waxman of California and
Sander M. Levin of Michigan. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Bruce Lesley,
the president of First Focus, a child advocacy group, said: “This is a
serious glitch. Under the proposal, millions of children and families
would be unable to obtain affordable coverage in the workplace, but
ineligible for subsidies to buy private insurance in the exchanges” to
be established in each state. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Businesses
dislike the idea of insurance mandates and penalties, but said the
I.R.S. had correctly interpreted the law. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">“Employers who
offer health coverage do so primarily on behalf of their employees,”
said Kathryn Wilber, a lawyer at the American Benefits Council, which
represents many Fortune 500 companies. “Although many employers do
provide family coverage to full-time employees, many do not.” </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">The I.R.S.
issued final rules for the health insurance premium tax credit in May,
but deferred its final decision on the affordability of family
coverage. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Sabrina
Siddiqui, a Treasury Department spokeswoman, said, “We welcome comments
from stakeholders and consumer groups and look forward to continuing to
work with them to implement these rules and to ensure families get the
affordable care they need.” </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">The
administration is trying to strike a balance. If the rules allow more
people to qualify for subsidies, it would increase costs to the federal
government. If the rules require employers to provide affordable
coverage to dependents as well as workers, it would increase costs for
many employers. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">Wayne Goodwin,
a Democrat who is the insurance commissioner of North Carolina, said
the proposed federal policy would create a hardship for many state
employees. </font></p>
<p itemprop="articleBody"><font face="Arial" size="2">North Carolina
pays all or nearly all of the premium for health insurance covering
state government employees, but it has never paid the cost for their
dependents, Mr. Goodwin said. </font></p>
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