Robert Christian Show
While health insurance premium costs have moderated, some of this is because of insurance policies that have a higher deductible, co-payments
As we know, Congress and the Senate are once again trying to end the Affordable healthcare, and all of it’s protections. We note some facts here first on this subject:
many employees are choosing to combine a health savings account with higher deductible plans, making the impact of the ACA difficult to determine precisely.
For those who obtain their insurance through their employer (“group market”), a 2016 survey found that:
- Deductibles grew by 63% from 2011 to 2016, while premiums increased 19% and worker earnings grew by 11%.
- In 2016, 4 in 5 workers had an insurance deductible, which averaged $1,478. For firms with less than 200 employees, the deductible averaged $2,069.
- The percentage of workers with a deductible of at least $1,000 grew from 10% in 2006 to 51% in 2016. The 2016 figure drops to 38% after taking employer contributions into account.
For the “non-group” market, of which two-thirds are covered by the ACA exchanges, a survey of 2015 data found that:
- 49% had individual deductibles of at least $1,500 ($3,000 for family), up from 36% in 2014.
- Many marketplace enrollees qualify for cost-sharing subsidies that reduce their net deductible.
- While about 75% of enrollees were “very satisfied” or “somewhat satisfied” with their choice of doctors and hospitals, only 50% had such satisfaction with their annual deductible.
- While 52% of those covered by the ACA exchanges felt “well protected” by their insurance, in the group market 63% felt that way.
The individual mandate is the requirement to buy insurance or pay a penalty for everyone not covered by an employer sponsored health plan, Medicaid, Medicare or other public insurance programs (such as Tricare). Also exempt were those facing a financial hardship or who were members in a recognized religious sect exempted by the Internal Revenue Service.
We have often said on our live shows, the Affordable care act was not created perfect. However, it’s goal was to mandate insurance coverage for Americans, and provide coverage even if someone has a pre existing condition.
Our Leaders in congress and the Senate first- many did vote for the Affordable healthcare act- and have then since thought it was most urgent to repeal it and all provisions rather than to fix what was wrong to begin with.
We still state that the Affordable healthcare act was not perfect. However it appeared from day one Trump began swinging the wrecking ball to defund it, to harm it -in any way possible to insure “it failed”.
Could it be because the Republicans were so angry because it was a Democratic president who got this passed? Or could it be because congress and Senators would get a huge payday upon a no vote, and that Obamacare finely is repealed. The Majority of Americans, and Majority of Hospitals, Doctors and nurses are against such repeal. Congress and the Senate are not listening to them. They seem to need extra padding in their wallet while celebrating the idea that millions of Americans would then be left without.
The Bernie Sanders bill, of a single payer system now comes to focus. Republicans do not like this, as we know many of these lawmakers are paid off by contributions to their campaigns by these same pharma companies. I question how we can trust congress and the senate to keep America’s best interest at heart, and healthcare in tact when- they are using it as a guise for Tax breaks for the rich, yet have zip on the table to fix what should be fixed.
A single payer system is not a bad idea no. It would get rid of insurance premiums for Americans, and it would stop these insurance companies from denying coverage for pre existing conditions.
The Madness begins in washington, as the Republican party time after time after time are doing all they can to end the affordable healthcare law.
There is plenty of fear on this train ride, as Seniors, disabled, retired Americans who then would be forced off healthcare coverage, then would be forced to figure out should they pay rent, or pay for medication. Eat, or go to the doctor. Put a lean on their home- to pay for a life saving surgery .
There is going to be millions of Seniors, Disabled, and retired persons who are then forced to file bankruptcy because of this. Is Congress and the Senate worried? no. They are in no way are worried about who voted for them, rather concerned that they do in fact get the votes to retain their seats.
We need as Americans a clear message here. “he goes,or they go”. We need a system that works for everyone, no matter the income, no matter what. A system to insure a healthy America.
Now let me add this:
Households with incomes between 100% and 400% of the federal poverty level were eligible to receive federal subsidies for policies purchased via an exchange. Subsidies are provided as an advanceable, refundable tax credits. Additionally, small businesses are eligible for a tax credit provided that they enroll in the SHOP Marketplace. Under the law, workers whose employers offer affordable coverage will not be eligible for subsidies via the exchanges. To be eligible the cost of employer-based health insurance must exceed 9.5% of the worker’s household income.
Lets look at this. Without the affordable care act, a family living at 133% of the poverty level would pay 3% which is 992 dollars per year for medical needs. (Retired, social security, and disabled persons). In most cases this is more than the average social security payment. Does that now have your attention? So one month per year- you can not eat, pay rent, pay for your car, your credit, your power bills, phone bills. Do you think your local power company or phone company would like you to tell them to screw off, for that month? Chances are you would get a shut off notice. Bad for credit? yes.
Are you willing to take that chance?- I am not.
Recovering from Mother nature, a harsh reality some face
The Reality of global warming seems to evade lawmakers until a massive storm hit’s their home state, then suddenly minds seem to change.
The Real truth is that for example 1 out of 10 homes had flood insurance and less than 1% of them will see their insurance company pay out for damage done due to the hurricane. Yet we have seen the flood waters rise, and the entire Houston Texas area did in fact sink during the event. 3CM is not much one would say, however on a mass scale it seems like a lot.
Looking at global warming surely is not something many people enjoy looking into, or even lawmakers to address it. The White house today is far removed from science and understanding the threat these storms pose.
Leaving millions in the wake of the Storms in Texas and in Florida, something must be done. Leading scientist have said that the world, not just America has five years to change course and to help prevent thermal warming else, we will cross a threshold that can not be undone.
Yet those in Power seem to forget that the world population has in fact caused tragic harm to the earth, and yet few who want to protect it.
The Hurricanes we see are getting far bigger, Tornado’s far worse than ever imagined, Winter snow in places that just “don’t see snow”, and lack of rain in places that are known for rain.
One right wing talk show host said that the recent hurricane that hit Florida was a hoax. Not real. Came from Fake news.
Yet days before the hurricane did hit Florida twice, this same talk show host got in his private Gulfstream jet and left the state. His excuse? who knows. We have seen images of homes destroyed yet one by one, family by family now comes time to rebuild, or give up.
In the news, it showed landlords whom even their rental houses were destroyed or Apartments, Condo’s destroyed still demanding rent on property that can not be occupied, or properties that simply no longer exist.
Why does this happen? Hateful people perhaps? The facts are, Mother nature is not something to play around with. Yet at the drop of a hat, a handful of religious leaders say “Hurricanes are the penance because of the gays”. It is “time to repent because of the gays”. Really? In fact this is what they have been saying. Trust me, “the gays” have nothing to do with it. It is mother nature and the lack of control of human beings that in fact are the causes of such disasters.
War is Man made, it can be prevented. Global Warming the same. For years people have abused the earth, and each other to get ahead. yet looking backwards people still do not get it.
We have a small window to reverse course which even then will take time, years, maybe a century to allow the earth time to recover from the damage caused by humans. It is not fair nor is it correct to blame these disasters on a single group of people. The funny part of it is, many times people want to blame these storms on “the gay people” as if these storms have a sexuality discomfort. You read it correctly.
As we do however awake from slumber, some are seeing the reality of our world and it surely is not a pretty one.
It is time, and past time to begin a new, to do damage control and to help curve history into a bright future where the water and air are pure, clean, trees growing and yes grass in the yard. At the moment there are still people who refuse to accept any responsibility but do want to install judgement on a group of people no matter what happens, it’s the same group that cause these issues.
Time to wake up, and move onward. We all can be responsible for our own actions, way of life, and each one can surely do our part. Yes it might be small, but great things happen when they start small.
We rejoice in those seeking to change. We rejoice in knowing that we are not alone.
It is time for our lawmakers to wake up, and for the EPA in the United states to stand up against the tirent in the white house and demand as a nation to take into consideration Global warming, its effects, harms and threats it does cause.
The EPA and many governmental agencies in the United states were told to remove any and all facts or research on Global Warming- did you know that? Well, its time to end this bad policy and it is time for all of us to renew our liberty to protect the earth.
The American Dream what has become of it
We often hear the term “The American Dream” what it used to be and the glorious days of a future that could be retained. Today, we address the American dream and how unlikely many Americans will ever see this in their life.
In recent news, Donald Trump began to dismantle the DACA program designed to give younger persons whom were brought into America undocumented the ability to live here, to get an education, a job, pay taxes and otherwise live a life otherwise not able to have in countries where their parents were born. These two stories do come to one intersection here. Our American dream was to own a home, have 2 children, have a life and live within our means. This however has taken yet another path. These days, unless one is rich, they barely make it though month to month. As it was recently reported that few Americans have even 500.00 US funds, for emergency cash in such event that it is needed. Why is this? The Ultra rich get tax breaks that the Poorer Americans do not. That is to start. Now the American dream is not about Taxes, yet we find the lower income of people in America the higher taxes they do pay.
Our jobs have gone overseas in some market places,and now we see multi generations living under one roof. The fact that Donald Trump wants to gut the DACA Program is really a bad move. These young adults and children could be forced to live in a country they know little about, and perhaps even war torn nations. That is not the America I for one, know.
Our borders represent nations divided yet show where opportunity can begin.
We know that the DACA Program has worked, and has installed hope in the hearts and eyes of those under this program. Some of which, are becoming Nurses, Doctors, Educators and a chance to live in freedom. As a First generation seeking change. What is wrong with this? What is so wrong with American political figures providing a fast track to citizenship to these persons who seek a better life? Frankly, we see a washington that does not care about the rest of the country, and leaders in the house that simply have over stayed their welcome.
To afford war, to afford ” the wall” to afford hate and tolerate Anger as a nation, that is not what America should be happy about. To fund war after war yet deny people from working, saving and beginning their own American dream.
So the Dream act is being attacked from within just as many other things that help America to be what it has become, aid to the poor, and social net programs that feed the needy.
The World of politics has surely turned one evil corner. American’s look to washington for guidance and for leadership in times of crisis. Today, we do not have this. We have seen the dream die. We in this generation have seen our very livelihood in crisis mode, and not one leader standing up and being that leader.
We have passed the election, and many feel what we had hoped to elect simply was not.
Sad thing is, This turmoil in Washington has just began. We will see radical changes take place, and few of these changes accepted or even wanted by the American public.
It is time to stand up and let our voices be heard. A time that we seek better leadership.
When will this happen, is anyone’s guess. We stand with those who are in American borders with the DACA Program, and in hopes that Congress will finely put a stop to what appears to be racial discrimination.-
America need’s a leader and someone who offers hope, is this what we have now?
By Robert Christian
The Hurricane that has hit Texas twice caused billions of dollars in Damage as Houston and Beaumont and as far south as Corpus Christi swimming in water. Meanwhile Donald Trump visited part of the state and made it appear it was yet one more reality television show. He did not meet with one family, not one condolence to any family member while there on trip number one-, yet praised the “huge” crowd that gathered to hear Trump.
America’s leadership is in question here. Where is it? Why is it that the leadership America needs is simply not there? This is beyond the matter of Republican vs Democrats, Independents to Tea Party.
This is beyond who won or was given the white house, and far beyond the capabilities of the present day oval office.
America has been torn apart, and has suffered greatly. Not just because of a storm, but a political storm that has risen an ugly beast of a head.
I like many Americans now wonder and ask “Where is Americas leadership?”. Lets take note that the Prime Minister of Canada was first on the spot to offer help, sending in their own people to help and Mexico had also offered help.
This is a fantastic support from both countries yet seeing the news, many thousands are left with little to nothing in the wake.
The Trump administration reversed a law set in by President Obama, that in part states “if a hurricane or flood hits, upon repair the home,business or building would need to be built better, stronger -to withstand future storms as what hit Houston.” This was reversed by Trump, meaning if your home or business was destroyed “good luck” build it back the way it was, no worry on other future storms.
Looking at this in prospective , Cutting FEMA funding and cutting programs that help Americas poor is not the way to govern. It is not the way to suddenly find “trillions of dollars” or “Billions ” of dollars to pay for a wall. Trump said “mexico will pay for it”, now as of two weeks ago he said he would shut down the government if they did not allot funding to pay for the same wall mexico was to pay for.
Is this really your leader? Is this really what a president is to act like? I would say no.
The Leadership America needs is not one that cuts funding that help the Poor, the Seniors just to give massive tax breaks *(not reform) to the wealthy.
The Leadership America needs is one with passion and understanding. Not meeting with one single victim of the storm, not one family, not one small business owner is hardly “seeing it first hand”.
What America voted for is not what we got, now is it? We need hope in the middle of disaster. We need a promise of commitment and urgency to bring resolve. That is a leader.
So far, Trump has disgraced the office and the American people.However this rest on him not on President Obama.
This mess could not be avoided lets make no mistake there. Having solid leadership and a solid message of hope might not be popular in “ratings”, but presidents never have been so concerned about ratings as Trump is.
What angers me is not seeing leadership. We see a dictator who fires everyone that questions him or his relations with corporate America. We see someone who has yet to prove passion and commitment of peace, love, understanding.
I am not so sure that America as a whole thought this approach was ever a good idea.
Article by Courtney Ward
Why was the party that condemns participation trophies and screams ‘snowflakes’ protesting taking down the statue of the losing side of a rebellion? Why does Germany avoid discussing its worst time in history but the alt right pontificates how the ‘south will rise again’? Why is this part of history not vilified but eulogized? Why are these mutineers exalted for causing the highest number of American casualties in the history of American war?
Perhaps I do not understand these questions due to my short comings. I do not have a degree in American history. I do not have a degree in military strategy. I do not have a degree in law. Therefore, by definition, I am not educated. However, I am far from deaf, dumb, or blind. I see the reason Black Lives Matter was initiated. I understand why the ACLU and NAACP were inaugurated. I get that I am labeled a liberal or snowflake or whatever because I disagree with white supremacy and that is fine. Like Kennedy said, call me a liberal because I’m for civil rights and I’ll proudly proclaim it.
How sad is that we are in 2017 and a Neo-Nazi killed a woman on the streets of our great country. A human life was taken because people thought a traitor’s statue was worth rallying up to proclaim ‘white rights’. I personally cannot think of another country that worships a flag or the leaders of a rebellion, which by the way, lost. “It’s not hate, it’s heritage”. We saw that heritage come to full bloom this weekend. And yet, I cannot grasp why people are proud of that. Hillary Clinton tried to warn us that this would happen. She told the people that our POTUS would embolden hate groups. David Dukes proved her right when he told the American people how he would push Donald Trump’s agenda.
I’m not against the protests. It’s the right of every American to protest, peacefully. I personally will be protesting in Gainesville, Fl on September 12th. What I against is shouting the mantra ‘heil Trump’ while inciting violence. You can’t help but to compare it to a past experience the entire would once dealt with. That’s when the word genocide was invented. Haven’t we learned not to make the same mistakes others have in the past? One death is not genocide but it could be the catalyst to the beginning of one.
I often wonder if the civil rights heroes of the 1960-70’s were around today if they would be ashamed or proud of what has been accomplished. I wonder how dejected they would be to know that the ones who were assassinated died in vain. Rosa Parks said “Racism is still with us. But it is up to us to prepare our children for what they have to meet, and, hopefully, we shall overcome.” Would they be proud of the message our administration and president is sending to the future generations? Let me be clear- I do not hate our president or wish for him to fail. However, I do hate his rhetoric (to include Tweets), ideologies, and refuse to stand by it or accept it. I’m thankful we have leaders like Bernie Sanders and Elizabeth Warren who refuse to stand by convoluted narrative and stand up for what’s right. I wish I could meet both of them and tell them thank you face to face.
Please excuse any errors. After all, I am just a simple uneducated southern, liberal snowflake.
Have a story idea? Feel free to submit one to us Just like Courtney Ward did.
A Democrat intends to introduce Impeachment articles against Donald Trump
A Democrat intends to introduce impeachment articles against Donald Trump over the President’s response to a violent rally in Charlottesville, Virginia.
“I have expressed great concerns about President Trump’s ability to lead our country in the Resolution of No Confidence (HRes 456) that I introduced in July with 29 of my colleagues,” Representative Steve Cohen said in a statement. “However, after the President’s comments on Saturday, August 12 and again on Tuesday, August 15 in response to the horrific events in Charlottesville, I believe the President should be impeached and removed from office.”
White nationalist demonstrators last Saturday descended on Charlottesville to protest the removal of a statue of Confederate General Robert E Lee. The rally, met by counter-protests, quickly became violent – prompting the governor to declare a ‘state of emergency’.
Mr Trump has received widespread bipartisan criticism for his comments on Tuesday insisting that white supremacists, neo-Nazis and other hate groups did not deserve 100 per cent of the blame for
the violence that resulted in the death of 32-year-old Heather Heyer.
Speaking from Trump Tower in New York, Mr Trump said there were “some very bad people” among the protesters, but added, “You also had people that were very fine people, on both sides.”
In his statement on Thursday, Mr Cohen lambasted the President for not “unequivocally condemning hateful actions by neo-Nazis, white nationalists and Klansmen following a national tragedy.”
“There are no good Nazis. There are no good Klansmen,” he added.