General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsACA ‘horror stories’ keep crumbling
Posted with permission.
http://www.msnbc.com/rachel-maddow-show/aca-horror-stories-keep-crumbling
ACA horror stories keep crumbling
01/07/14 10:15 AM
By Steve Benen
For much of the fall, when major news organizations went into feeding-frenzy mode over the Affordable Care Act, an unsettling pattern emerged. The media kept shining a spotlight on various horror stories regular Americans adversely affected by Obamacare and those stories kept crumbling when subjected to scrutiny.
The problem persists. Reader R.B. passed along this striking report from Maggie Mahar, who explained that many of the tales of Obamacares innocent victims
just arent true.
That claim stopped me in my tracks. Under the ACA, no 26-year-old could be charged $1,000 monthly even if she has MS.
Obamacare prohibits insurers from charging more because a customer suffers from a pre-existing condition. This rule applies to all new policies, whether they are sold inside or outside the exchanges. At that point, I knew that something was wrong.
And something was. The Star-Telegram piece profiled four local consumers, three of whom are Tea Party activists, and two of whom hadnt bothered to even check whats available through healthcare.gov. They were described as losers under the new system, but made no effort to see if they might be winners.
Whats more, the 26-year-old new mother who was facing a $1,000-a-month insurance plan actually ended up with coverage just under $350 a month a detail the paper has never conveyed to readers and a stronger safety net than her family enjoyed before.
The local reporter eventually told Mahar that she doesnt usually cover health care, doesnt know much about the Affordable Care Act, was busy covering other stories, and had a day and a half to put the article together. She also didnt realize in advance that most of her sources for the piece were Tea Party activists opposed to the law itself.
And when that same reporter later suggested to her editors a follow-up piece on the areas Obamacare winners, they werent interested.
The point, of course, isnt to pick on one reporter or one newspaper. Rather, the larger takeaway is that ACA horror stories arent always as horrible as they may appear. Indeed, in this case, the Star-Telegram article was promoted by prominent Republicans like House Speaker John Boehner and Sean Hannity, despite the fact that the piece was wrong.
Whats more, this keeps happening. Arit John highlighted a series of discredited stories about alleged ACA victims. At the root of every debunked, cancelled plan, Obamacare horror story, John wrote, is usually a person who isnt as informed as he or she would like to believe.
As weve discussed before, its worth emphasizing that there are, in reality, Americans whove been adversely affected by health care reform. In a nation of 314 million people, it will be possible to find some who didnt benefit as much as everyone else. Its inevitable.
But in the rush to condemn the law, the public has been confronted repeatedly with anecdotal evidence thats completely fallen apart. Worse, consumers invariably hear more about the horror stories than the follow-up reports proving the horror stories wrong.
If the Affordable Care Act were really as awful as the right claims, shouldnt it be easier to find genuine examples of Obamacares losers?
SidDithers
(44,228 posts)Sid
herding cats
(19,567 posts)Just to make sure they know others are aware of their biased coverage of the ACA and their lack of interest in setting it straight.
rgbecker
(4,834 posts)SoapBox
(18,791 posts)It's like a bully trying to worm out of being at fault.
Too bad the paper just didn't have the "brass" to admit that it was a bad article all around.
BUT they are in TX.
Blue Owl
(50,490 posts)groundloop
(11,521 posts)Once a right-wing hit job story makes it onto the front page of a paper the damage is done. NOBODY will notice if the paper corrects itself, issues a retraction, or whatever (ok, we might notice it here on DU, but normal voters sure won't). That's how Faux News has been so successful, and that's how we have the mess in the House that we do now.
LisaLynne
(14,554 posts)the hearts and minds of more people. It's easy to lie. Really, really easy. However, it can be hard work to counteract that lie and prove the truth. People hear a "horror story", think, "OMG Obamacare is horrible and is hurting people", and even if they see the retraction of the original story that made them think that, the thought is already in their head and they may not even realize where it came from.
NewJeffCT
(56,828 posts)almost nobody notices the retraction/correction, and the original story feeds into the beliefs of many.
Salviati
(6,008 posts)Just not the type that they claim they are.
Scurrilous
(38,687 posts)grantcart
(53,061 posts)glowing
(12,233 posts)management group that just took over my husband's hotel has a larger pool of workers? No matter what, for the first time in probably 4 yrs, we are paying under $6000.00/ yr for coverage (the last two years it was $7500.00/yr and now down to $5800.00 plus better co-pays and lower deductibles).
My mother in law is divorcing for the 2nd time in her life, and after 23yrs of marriage to a man who has a good income, pension plan, and insurance benefits, is having to price out insurance rates for herself in NC. She was asking her daughter, who actually does work processing tri-care benefits for blue cross and blue shield, to help her price out her insurance costs for the allimony payment as her lawyer asked her to do. She went into healthcare.gov and was getting, what I think, are too high of quotes for someone who will be living on a monthly allimony income (and if she starts working any type of part-time or low wage job for the first time ever in her life, the payments will decrease - not exactly fair when she was the one expected to stay home and raise children and he decides after 21 yrs he can't stand her anymore and must leave). So, she isn't expecting to have to take on a job at this late point in her life. She expects to be living the type of life she was promised all these years when he was near "retirement" years (he works as an airtraffic controller and has for many years). SO, who do they call, me.. LOL Of course, I'll know the information she's passing onto me better than most people who have been hearing lies flung around in the great, red state of North Carolina.
I told her, keep the rate high now to put into the formula for expenses so he has to pay. She's losing really good benefits with this divorce. (We are quite sure this man has slunk off and created a new family with a younger woman - let the bastard pay). But when the divorce decree is signed, and they are legally separated, then she needs to play with her income level. Let's face it, her allimony payment is going to look a bit different on paper as "income" than most people's take home pay will look. At the moment, she's puting in an amount akin to minimum wage pay like her lawyer told her to do as an expected income if she was working (which is another issue I told her to fix, should she have been in the work force for the last 20yrs working at a career instead of working in the home as was their life expected set up, then she would have likely been taking home much more than min wage, but I digress). I told her, because she's in NC and NC refused to opt into the ACA plan and expand medicaid and build a website for its people, she was stuck on the .gov site. If she was inputting a min wage yearly compensation, she was more than likely qualifying for the "expanded medicaid" portion of what states who opted in had for their residents. When she is pricing out healthcare, she is more than likely going to have to overestimate her income to activate the subsidies portion of insurance benefits. It should be much lower for her by hereself to price out than nearly $500.00/ month (that's about $50.00 more than we are paying). I don't think the subsidies are kicking in because her income portion is too low (she's not taking into account the "living expenses" portion added to "work compensation" portion). Needless to say, its quite evident this is a woman who has never held an outside job or has ever worried about how to pay a bill or what insurance looks like when one is not employed with a benefit provider. I definately would encourage any daughter I ever had to make sure she could work and never depend/ rely on someone else as a provider. At nearly 60yrs old, my mother in law is in new territory that is more than frightening to her. She's lucky she married well off, otherwise, the rest of us would be at a loss as to how we could even begin to help her out.. we struggle ourselves.
Oh, and her comment was, thank goodness someone did do something about insurance. If I was having to divorce and try and buy insurance on the open market as it was before, I wouldn't be able to afford it... She had major kidney issues and she's an older woman, over the age of 50. It's a blesssing she will still be able to find quality insurance like she's been on her married life, on her own and without having an employer provide it. So, for all those who knock it down, eventually they will have an issue, have a job drop their coverage, have a health problem, and they, too, will be grateful that someone finally made some regulations and mandates on how these greedy insurance companies would treat their customers. And when I explained to her that it could have been easier on her if NC had opted in and put up a NC insurance exchange like the original intention of the ACA outlined, then the model could have been easier to navigate, her state insurance rates would be there for her to see, and if she qualified for the new expanded medicaid, then she would have been even better off. (I think she's going to have to play with her income level to initiate the subsidies, currently she's in expanded medicaid territory with her income estimation). And I haven't heard enough about different state sign ups that tell the actual income # that people would input and # of people, for the lowest insurance premium offerings. I told her, once more people are signed up and calling relatives in a state that opted in, the people of the "opt out" state would start vocally insisting on their state opt in. And a few may gravitate toward single payer like VT is in 2017 once people see it work and see the costs/ savings.
Seeing these teaparty people gripe so much over insurance is just crazy. You know these are the same people who were before bitching about not having insurance or the costs going up so high every year... It's just amazing for these people to all of a sudden act as if insurance companies, before these newly enacted guidelines, were the epitomy of corporate sainthood. LOL.
yuiyoshida
(41,838 posts)Republicans hate that. Will Fox News make up new stories?
"Couple contracts Pink Eggrecia from Obamacare!"
ancianita
(36,132 posts)NO Democrats cranked up any anti-Bush media hate machine when that happened!
http://www.dailykos.com/story/2014/01/04/1267237/-Six-million-lost-coverage-on-Day-One-of-Bush-Medicare-drug-program#
Diclotican
(5,095 posts)babylonsister
I just wonder what would be written as "fact" if US was to get universal Health care on the degree Canada or most of Europe have today...
I for one is greatly glad I do live in a country with universal health care I have experienced some health issues the last couple of years - some kidneys who is less than stable and so one - with medication I'm fine - other vice I would have been dead by now - if I had been in the US for a starter..
Diclotican
Dopers_Greed
(2,640 posts)Hopefully Obama and the Dems are able to counter it, because if one thing's for sure, it's that we can't count on the media to honestly report. It's hard to sensationalize stories on a law working properly.
lpbk2713
(42,766 posts)These assclowns are so full of shit their eyeballs are brown.
geardaddy
(24,931 posts)Why don't they post stories like that?
Coyote_Bandit
(6,783 posts)is being lived by us second class less than equal throw aways who are poor and live in states that opted not to expand their Medicaid programs.
We can't get Medicaid coverage nor can we get tax credits that we can carry forward and apply against future earnings. Assumng we have the resouces to make premium payments.
ACA is federal law and federal tax dollars reimburse states for those qualified for Medicaid unde ACA. Seems like perhaps there might be an Equal Protection issue there. But it is oh so much easier to blame the states that opted out.
My own premium went from about $365 per month to $515 per month. Yes it is better coverage. That said, my annual premium - absent any medical costs - exceeds the $6000 or so I might earn this year as a sole unpaid caregiver to a parent with dementia.
True, I no longer have to worry about having my coverage cancelled or being priced out of the market if I am diagnosed with a chronic disease.
Still. I feel like the bastard child hidden away in the basement.
Dj13Francis
(395 posts)So I'm a healthy guy. Maybe a bit overweight, but otherwise healthy. I have no pre-existing conditions (other than the aforementioned overweight thing) and I take no medications. And my health insurance - my crappy health insurance with a $5000 deductible went from $180 to $230/mo as of Jan 1. So I thought, "Fuck those assholes, I'm going to do some shopping around!" Well... I signed up on there. And unfortunately I entered my phone number. I didn't get any quotes online but I was apparently signed up to get calls. So the first call I got came after about 10 minutes. And dude proceeds to tell me that he can enroll me in this program - for $202 a month, with a zero deductible, and that rate will stay constant until I retire. And all I needed to do to enroll in this health insurance was to give them a credit card number right now and for the low price of $175.00 I'd be able to enroll in this program. Well... I knew that it was complete bullshit, and I told the guy that was an amazing deal and I'd love to hear more about it and I'd love for them to send me some documentation about their company and whatnot... Well dude hung up on me. Scam averted, but how many people aren't as alert as me? I'd imagine a lot of people fall for that. So, do you think anyone is going to do anything to stop these scammers? Naaah nobody is going to do anything. And one more thing... Since then, there hasn't been a day that I've received less than 8 calls from various people trying to hook me up with health insurance (which is itself a rip off) or trying to just straight up rip me off. Yay.