Poor Missouri Families Raped by Obamacare
Cape Girardeau Public Schools charge teachers and employees a whopping $979.78 a month to add a spouse and child to the School’s health insurance program that has a $4,500 annual out-of-pocket limit per person. Many families can’t afford these ridiculously high costs so we have uninsured families. A janitor’s starting pay is only $9 an hour. If these families go to the Obamacare Exchange they are automatically disqualified for tax credits because their employer is mandated to offer them insurance so they must purchase with after tax dollars which makes it even more expensive. Obamacare rules allow multi-millionaires like Megyn Kelly not to pay taxes on her employer-based health insurance but poorer teachers’ children must. Obamacare is a nightmare that is manufacturing uninsured children from coast to coast. It was Senator Claire McCaskill’s vote for Obamacare that has plunged these poor families into the dungeons of despair. She should know better because her father was the State’s Insurance Commissioner.
To this day Senator McCaskill’s website says that Obamacare Exchange is like “Travelocity” where consumers can compare all of their choices “apples to apples.” But, in Cape Girardeau’s 63701 zip code there is just one company, one rotten apple, selling insurance, Anthem Blue Cross, and it is expensive. A 30-year-old couple with 2 children must pay $1,209 a month for a $6,550 per person deductible. In contrast, this family can purchase Short-Term-Medical (STM) from America’s oldest health insurance carrier, in 44 states, more than any competitor, for just $317.02 per month or about ¼ the price if they pay quarterly. The low-cost STM has a little $2,500 deductible per person that pays 100% with the Aetna Open Choice PPO with 850,000 participating providers from coast to coast.
This low-cost plan also qualifies for a tax-free HSA, the center-piece of Republican health care reform. When TrumpCare is passed families will be able to stash $13,300 a year into America’s best tax dodge. If the couple is over 55-years-old they will be able to stash $15,300 a year so they may be better prepared for 21st Century Medicare. HSAs enjoy tax free deposits, growth and withdrawals – AMEN! Total tax FREEDOM. We now know that money that is never taxed will last longer in retirement. HSAs target prosperity to the poor. HSAs turn high taxes and high insurance premiums into assets for employees.
The FAKE News in America won’t tell you about low-cost insurance because they are dedicated to selling over-priced Obamacare. The corruption is really bad in Missouri. The poor taxpayers are paying for insurance for State employees that costs $2,027 a month for a 4 person family. I guess Missouri shouldn’t complain because it could be worse. In Iowa Blue Cross has their hooks into the politicians so bad that taxpayers are scammed into paying almost $27,000 a year for a 2 person family, I kid you not. Wait, it gets worse. In both States if the State employee gets ovarian cancer and becomes too sick to work the bald headed employee gets a COBRA extension notice and they have to pay these high premiums. If they pay the COBRA premium then Blue Cross would have to pay for the expensive cancer treatments. But, Obamacare rules create a magical Special Enrollment Period (SEP) where Federal taxpayers will pay to switch this sick patient to the Individual Market and Blue Cross laughs all the way to the bank. Is the American taxpayer a sucker or what?
This is why there are no insurance companies in 2018 in Iowa or western Missouri. No insurance company wants to pay for Blue Cross’s sick cancer patents that are being switched off of their employer groups at taxpayer expense. It’s like President Obama let the medical Mafia write the Obamacare law to enrich the Blue Cross Association and their monopoly. Anthem Blue Cross stock was $30 a share when President Obama was elected and today the stock is at $189. An Anthem company is in Iowa with a Medicaid contract and they do Iowa’s Children Health Insurance Plan (S-CHIP) called HAWK-I. S-CHIP is Hillary’s KidCare, or better named KidPloy, which terminates every child on their 19th birthday regardless of medical history. This is very dangerous if the child gets cancer at 17-years-old like my nephew Nick.
President Obama made a mistake when Obamacare was written because they forgot to outlaw low-cost Short-Term-Medical (STM) insurance. The problem for Democrats and Blue Cross is that healthy people will get STM and that leaves the sick for Obamacare plans. So the last thing President Obama did was limit STM to just 3 months by Executive Order which started 4/1/2017. Now Dr. Tom Price, in the Trump administration, refuses to rescind the STM ban as not to spook the Blue Cross plans so they stay in the Market. 17 Senators this week wrote to Dr. Tom Price and asked for the STM ban to be rescinded. I’m sure Anthem Blue Cross told Dr. Tom Price if he rescinds the ban on STM they are out of the Obamacare Exchanges which would mean big problems in 14 states.
Here is a secret for you, our agents don’t even know yet. So don’t tell anybody. I got a call yesterday from my friend who runs about half of our 44 states and he said, “The decision has been made. We are going to save America from Obamacare!” This means we are adding a Short-Term-Medical Conversion Privilege (STMCP) so consumers can keep renewing their STM until the next Obamacare Open Enrollment without proof of insurability. This means that Obamacare is truly dead now. We don’t care what Dr. Tom Price does. It’s difficult for government bean counters and regulators to stop the free and open markets because we are quick adapters.
After sleeping for 500 years everybody was an idiot in the movie “Idiocracy”. I must have slept for 1,000 years!