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Insurance costs going up almost 100% for my employee healthcare...advice?

lawpoke87

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Dec 17, 2002
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The good news is my company gets to keep the healthcare plans we provide to our employees. The bad news is the average cost is going from $687 a month to $1,181 a month. WTH do I do? I try to be a good employer. However, I can't absorb an almost 100% increase in employment costs. My employees certainly can't afford $500 taken out of their checks. I'm as angry as I've ever been out our government. What do I tell these people? I've always tried to do the right thing and provide benefits like health insurance. Now it seems that will no longer be possible. I'm sick.

My personal insurance went from $330 a month to $677 btw.

Can somebody please defend this to me?
 
Its indefensible. But the only option I could see is to have those folks make up the difference and tell them to vote against any congressman who supports Obamacare. I think the future of employee based HC is going the way of the Edsel. Its noones fault but the POTUS and the CJ of the SCOTUS.
 
Well....most of my employees don't have an extra $500 a month and every Congressman in Oklahoma voted against this huge premium hike. Seriously....these people are going to lose their healthcare which has always been provided for them. I'm going to try a few different companies but I'm told that rates are comparable across the board. Have a meeting scheduled for Monday and I have the premiums, plans etc.. (old and new) to provide. Just sick right now about this.
 
You're to be commended for the care and consideration you have for your employees. Those good folks are real people with real everyday problems, fears and concerns who work hard to provide for their families and this will obviously effect their lives like many of us. I suppose the only thing you can do is to get with your insurer and work something out and keep those effected abrest of the situation and that it is out of your control.

I wonder if this was the plan all along to make so many rules and regulations and a law that was so complicated that it would force the medical insurers to dramatically increase their prices to meet the law. Then when the system becomes unpopular, they could simply say the only alternative is single payer. These radicals sit in the lounges of Harvard and think they have the answers to whats best for those they perceive to be their inferiors, and they come up with a win-win for their ultimate goals, at this point its socialized medicine.

Good luck and wish me the same. I still haven't completed my attempts to get insurance either. I'm getting closer and have been working on it since mid-October. My premiums will now be slightly smaller but dectables have increased to over triple what it was before. Thanks Barak!


This post was edited on 12/19 11:02 AM by rabidTU
 
Weird that eastcane is posting climate change articles like crazy but ignoring this thread when he has repeated the claim that the ACA would lower health care costs.

cb
 
Same position for me. I'm providing a raise enough to cover alternative care from plans not subject to Obamacare regulations.

I'm a single payer with private option guy who said this was a cluster fudge from day 1. The math never ever worked ever. In order to cover those uncovered, the cost for the currently insured HAD to go up. Period.

Boo.


Ash
Posted from Rivals Mobile
 
Originally posted by ashVID:
Same position for me. I'm providing a raise enough to cover alternative care from plans not subject to Obamacare regulations.

I'm a single payer with private option guy who said this was a cluster fudge from day 1. The math never ever worked ever. In order to cover those uncovered, the cost for the currently insured HAD to go up. Period.

Boo.


Ash

Posted from Rivals Mobile
I empathize with you even though we are on opposite sides of single payer.

Here's what just happened to me this weekend.

I finally got signed up for our version of Obamacare - $6,500 deductable. My old policy had a $2,000 deductable. But this weekend they sent me a letter saying that (because of the politics, I suppose) that the old policy was still in effect until the end of January. But I had gotten my confirmation letter saying that the new policy would begin just days before. So now, I am stuck with what in effect is catastrophic insurance instead of another month in my old policy with the old deductable - I think. I have been frantically going to doctors, specialists to take care of any forseeable health problems I may have before the old deductable ends. Now this. Another unintended consequence of lousy govt.

These people are idiots and noone is going to lose their job over this? Do we think someone, somewhere will lose their life over this? Do we really want the govt that has created this mess in charge of the future mess they say "won't" happen?
 
One of the problems with this mess that few are talking about is that because of the cost of these plans most people are enrolling in the Bronze plans which are very high deductible and out of pocket options. A person could easily have over $10k out of pocket for a hospital stay in addition to his or her monthly premiums. I'm afraid the final cost is likely to be much more than just the increase in premiums. It's a shame the cost of this initiative is being funded on the backs of an already struggling middle class.
 
Originally posted by lawpoke87:
It's a shame the cost of this initiative is being funded on the backs of an already struggling middle class.
This program like most of the Princeps programs are designed to break the middle class. A socialist utopia cannot have a thriving middle class. Only the Rulers and the Ruled.... A middle class is traditionally not dependent on the govt... The Princeps and his socialist brethren have to have as many people as possible dependant on the govt....
 
Here's a pretty good explanation of the flawed economics of the law from none other than the Huffington Post. The article also talks about the coming premium rate shock in late 2014.





The latest announcement from the White House on Thursday, December 19, seems to indicate that even President Obama is backing away from Obamacare.

At the very least, he is bobbing and weaving like an exhausted prize fighter trying to avoid a knockout punch. For the President, that punch would be a disastrous rollout of Obamacare that leaves Americans so angry that the Democrats lose their five-seat majority in the Senate in 2014. That could happen with the never-ending fallout from the new plans. Not surprisingly, the latest White House retreat just before the December 23rd enrollment deadline was triggered by pressure from moderate Senate Democrats like Mark Warner (D-VA) and Mary Landrieu (D-LA). Landrieu faces a tough 2014 election campaign.

Thursday's announcement said that six million Americans who have had their insurance plans cancelled are eligible to buy catastrophic policies and are exempt from penalties if they go without insurance in 2014. Not that the new catastrophic plans are cheap. In California the pre-Obamacare median cost for a 25-year old non-smoking male was $92 per month on eHealthInsurance.com. This compares to $205 per month for a bronze plan and $184 per month for a catastrophic plan. Tacitly admitting that for many Americans the cost of buying insurance on the federal exchange exceeds their current insurance cost, Health and Human Services Secretary Katherine Sebelius offered them the opportunity to apply for a "hardship exemption."

This is the fourth major pullback by the White House from the Affordable Care Act. In July the employer mandate to provide health care to all their employees was delayed one year until January 1, 2015. That followed the prior year's scrapping of long-term insurance plans which were deemed too expensive. Then in November President Obama, facing massive criticism for not upholding his promise that all Americans could keep their insurance plans, told insurers to reinstate the cancelled plans, provided their state insurance commissioners agreed. (Several did not.) On November 27, the White House withdrew the opportunity for small businesses to buy insurance on federal exchanges in 2014.

All these changes are causing mass confusion and consternation for the insurers. Already, two of the four largest insurers - United Health and Cigna - have elected not to participate in the exchange, a decision that appears fortuitous. The remaining participants in the federal exchange are preparing for massive adverse selection that raises their costs far beyond the projections they used in bidding on these plans, especially the bronze plans. As the healthy young opt to go without insurance and pay the modest penalty or take the catastrophic plans, the insurers are left with the least healthy people in their plans. The latter comprise the vast majority of people enrolled to date.

All these changes are exposing the flawed premise on which Obamacare is based: that the healthy young are willing to pay much more for insurance in order to support the unhealthy elderly. This policy marks the first time in U.S. history that we are asking the young to pay for the old; historically, it has always been the other way around. Altruism would not have motivated the young to assume this new cost, so the Democrats used the mandate to force the young into the pools--subsidizing care of the elderly at much higher costs to themselves. The mandate eked through the U.S. Supreme Court on a 5-4 decision, thanks to the tortured logic of Chief Justice John Roberts who deemed it wasn't mandate after all, but rather a tax. All this comes at a time when youth unemployment is still in double digits and many more young people are stuck in low-paying jobs that barely enable them to make ends meet.

To compound the problem, the law has a key provision that no one can be asked to pay more because they are in ill health. The converse of that clause is that insurers cannot offer incentives to people for remaining in good health through diet, exercise, stress reduction, and limiting consumption of cigarettes, alcohol and drugs. That forms a sharp contrast with self-insured employers who are racing to offer employees massive incentives for staying healthy. These employers understand the reality that Washington seems to deny: health care costs can only come down when people start taking responsibility to live healthier lives. Pragmatic employers who bear the cost of their employees' health care, know that lifestyle accounts for more than 50% of total health care costs. Therefore, they offer incentives to improve employees' lifestyles.

The impact of this provision will become highly visible in early 2014 when insurers announce increased prices for their 2015 plans. That will trigger another round of consumer reactions, and responses from the Obama administration shortly before the November 2014 mid-term elections. Will the administration extend opportunities for people to go without coverage or shift to catastrophic plans? Or will the administration try to offset the rising costs by further reducing reimbursement to hospitals and physicians for Medicare and Medicaid? If the latter, we are likely to see a stampede of providers that refuse to take new Medicare/Medicaid patients, even those within five years of becoming eligible.

Given this looming disaster, I support the Obama administration's "go slow" approach, and offering the option of catastrophic plans for all Americans. This is something I argued for unsuccessfully back in 2009-2010 before the law was enacted. To make Obamacare viable, however, two further changes will be required: 1) reducing the minimum requirements in the plans to enable people to select plans tailored to their needs, and 2) permitting insurers to offer incentives to their enrollees for staying healthy. The consequence of these two actions will be that unhealthy Americans will have to pay more, regardless of their age, and the healthy will not be required by law to subsidize the unhealthy. These changes are certain to raise the hackles of liberal Democrats, but they are the only to avoid the looming disaster in rapidly rising health care costs that could bankrupt Medicare/Medicaid.
 
How in the hell does the President have the power to amend a law on his own? That makes him a dictator, not a President... my country is gone and this social mess is all that remains...
 
It's the same story with most Government programs.

The RESPONSIBLE are forced to pick up the slack from the IRESPONSIBLE!
 
Yahoo: Obamacare, introduced with the aim of providing quality affordable health care, will add significantly to the population of new tax filers and increase the complexity of tax filing. As a result, tax-preparation service providers such as H&R Block
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Costing people more money.


WHERE IS THE BIG SAVINGS HE PROMISED?

 
How bad this law truly is would feel vindicating to those of us that knew so from the beginning, if it weren't hurting so many people.
 
Latest info shopws that 3,000,000 have signed up for Obamacare. What happened to the other 42,000,000 who didn't have health care?
 
Over 4M have lost their coverage due to the ACA while 3M have signed up. I'm not a math guy but isn't that a net loss of 1M people insured?
 
Justice Sonia Sotomayor late Tuesday night decided to block implementation of the contraceptive coverage requirement, only hours before the law's insurance coverage went into effect on New Year's Day.
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How do you implement, or choose not to implement 'part' of a law?
 
Originally posted by aTUfan:



Justice Sonia Sotomayor late Tuesday night decided to block implementation of the contraceptive coverage requirement, only hours before the law's insurance coverage went into effect on New Year's Day.
-------------------------------------------

How do you implement, or choose not to implement 'part' of a law?
Since you asked this question... I'd suggest you go back to college and learn something. Jesus, if you don't know the answer to this... How in the hell can you have an opinion worth reading? You don't.

Poke,

They need to fix the law. Congress and the Prez need to fix it. The issues don't seem unfixable, just need some common sense. I haven't been affected by the law, but I work at a large private corporation. My health plan was exactly the same from last year to this year, and it's awesome. I don't know our corporate economics on it though. This blows for you and your workers, and I hope they get it fixed ASAP. I doubt think the original plan that was proposed would have produced this result.

We talk all the time that the President gets too much credit and too much blame. It's the same here. Signing the law was political. But the law wasn't at all the "plan" he ran on in 2008. It was chopped and screwed by conservative democrats (the Dems had the house and the senate, the republicans really didn't have a say in it, but they weren't really apart of the dialogue anyway...i.e., they had no ideas). I hope congress gets something working to fix it ASAP. I don't disagree with legislation that will reinstate your old plan, and everyone's for that matter. I don't know why that can't be done. It's so political at this point, and that's a cop out honestly... I can blame politics for anything. This is freaking sad though. We can't set aside our differences long enough to do something constructive to help our every day citizens and entrepreneurs... There's a long list of representatives and senators I'd like to invite to suck it.
 
Update: We've decided to offer a policy with a $6k deductible compared to the $1500 fed ded from last year. This change will reduce the increase in premiums to roughly 45% from last year. I understand this is likely only a short-term fix and may result in a financial hardship should an employee have any type of hospital stay but it was the only option I could find. I expect the out of pocket shock will be the next crisis for this program.

I agree with Ray's analysis btw. The young and middle class seem to be the groups most hurt by this law. The hope was that the young and healthy would enroll in large numbers and subsidize the cost of the more costly insured. The fact that this has yet to happen is troubling when looking at rates going forward. They're likely to get even higher.
 
How do you implement, or choose not to implement 'part' of a law?

Since you asked this question... I'd suggest you go back to college and learn something. Jesus, if you don't know the answer to this... How in the hell can you have an opinion worth reading? You don't.
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I did not know that after Congress passed a law, the Government could cherry pick the parts it wants the enforce.
 
Originally posted by lawpoke87:
Update: We've decided to offer a policy with a $6k deductible compared to the $1500 fed ded from last year. This change will reduce the increase in premiums to roughly 45% from last year. I understand this is likely only a short-term fix and may result in a financial hardship should an employee have any type of hospital stay but it was the only option I could find. I expect the out of pocket shock will be the next crisis for this program.

I agree with Ray's analysis btw. The young and middle class seem to be the groups most hurt by this law. The hope was that the young and healthy would enroll in large numbers and subsidize the cost of the more costly insured. The fact that this has yet to happen is troubling when looking at rates going forward. They're likely to get even higher.
Sounds like mine. With the subsidy (that is being federally funded with your own taxes btw), it lowers the premium, but the overall cost increases if you/they actually have to use it for any procedures. The subsidy is just a short term lure that will almost certainly vanish in a year (once Obamacare is established). You've probably done the smart thing in the short term to keep them covered. It was one of the few options you actually have thanks to Obama, Pelosi, Reid and the lieberals in Washington.

What you now have is basically a form of catastrophic HC. Good luck!
 
Originally posted by aTUfan:



How do you implement, or choose not to implement 'part' of a law?

Since you asked this question... I'd suggest you go back to college and learn something. Jesus, if you don't know the answer to this... How in the hell can you have an opinion worth reading? You don't.
----------------

I did not know that after Congress passed a law, the Government could cherry pick the parts it wants the enforce.
That old adage about remaining silent before you remove all doubt must have fallen on deaf ears for you.
 
Pay no attention to him, he is not as smart on this subject as he thinks , but he will call others names in order to hide his lack of knowledge. He would do well to take his own advice, but he's already removed all doubt for me.This post was edited on 1/5 1:27 AM by bigdad48

This post was edited on 1/5 1:37 AM by bigdad48
 
Long, but worthwhile read on Obamacare and socialized medicine. Get ready for rationing and being treated by doctors and specialists with less skill than you are used to. Pray you don't get cancer or a serious disease because if this bill is left untouched, you will see your chances of survial dropping as time goes by.





In health care, 2013 was a year of great irony. In the United States, the Obama administration bullheadedly forged ahead in advancing the most controversial and expensive law in recent memory, the deceptively named Affordable Care Act.

The law, opposed by a clear and consistent majority of citizens, immediately caused millions of Americans to lose their health insurance along with their choice of doctor and hospital, and millions more to pay far higher insurance premiums.

While the focus has been on the embarrassing roll-out that, at a minimum, demonstrated both the incompetence and the poor judgment of this administration, the true harm of this law is still to come as new government authority over U.S. health care dramatically increases.



Concurrently, Britain's National Health Service (NHS), the paradigm of government-controlled health care, turned 65 years old in 2013 and officially entered senior citizenship.

The NHS received its review by the British press this past year on an almost daily basis.

Headlines blared across the UK, endlessly documenting scandalous patient care, shameful waiting lists, catastrophic hospital practices, and financial debacle.



Directly undermining those who advocate for an even stronger role for government in U.S. health care, the British press has instead been documenting the disgraceful state of the NHS.



Despite what Americans are led to believe about nationalized health systems, including the claims that everyone is insured and care is free under such systems, the facts about what's really important in health care --- actual medical care access and quality -- showed the harmful impact of government control on health care.

One critical distinction generally lost amid the naive but passionate backers of nationalized insurance is the difference between being insured and having access to care.



Despite the chest-thumping that everyone is insured, U.K. citizens relying on the NHS experience unconscionable problems with access to care, problems not even remotely found in the U.S.



How poor is access to care in socialized systems like the NHS? Access problems are so widespread that the government was compelled to issue England's 2010 "NHS Constitution" in which it was declared that no patient should wait beyond 18 weeks for treatment.

It is noteworthy enough that the UK government felt so much pressure from the systemic failures of its NHS that they were forced to issue "rights" to patients about receiving medical care.


But should it not bring chills that the government of free people, in the 21st century, had the authority to define those rights about seeking and receiving personal medical care? And even more Kafkaesque is the government's boldness to define lengthy target times and then to claim that standards have been met. Indeed, designed to propagate the illusion of meeting quality standards, the government decreed that targets were met, even if patients waited a full four months after the diagnosis was made for treatment to begin.



What is the current status of access to care, now that the rights of NHS patients to medical care were enumerated?



At the end of June, the number of people waiting in England to start NHS treatment was 240,000 higher than the same time last year.



NHS England figures for July showed that 508,555 people in London alone were waiting for operations or other treatment to begin ? the highest total for at least five years.



Almost 60,000 more patients were waiting for treatment at the capital's 34 NHS hospitals than one year ago. According to NHS data released in August, hospital waiting lists soared to a five-year high, with almost 2.9 million patients with a known diagnosis in the queue for treatment.



In Wales, the number of patients waiting more than nine months for hospital treatment in November had more than doubled in six months. The Welsh government also reported their NHS is still failing to treat 8 to 13% of the most urgent cancer cases within 62 days ? two full months after diagnosis.



Even given a laughably long leash of an 18 week standard, the number of patients not being treated within the target of 18 weeks soared to 39,145 ? up 16 per cent on the previous month -- in London alone.



The BBC discovered even more scandalous news back in February -- many patients initially assessed as needing surgery were subsequently re-categorized by the hospital so that they could be removed from waiting lists to distort the already unconscionable delays.



Royal College of Surgeons President Norman Williams, calling this "outrageous," publicly charged that hospitals are cutting their waiting lists by artificially raising thresholds.



Though long proven by facts documented by the UK government and in scientific journals, these shocking waits for care, whether for specialist appointments, heart surgery, stroke treatment, diagnostic scans, or cancer care go virtually unreported by the U.S. media.



Ironically, U.S. media outrage was widespread when time to appointment for Americans averaged 20.5 days for five specialties in 2009. Escaping American media coverage was that those requests were for healthy check-ups in almost all cases, by definition the lowest medical priority.



It remains unreported that the U.S. wait for routine check-ups was significantly less than for sick Brits needing heart surgery (57 days), or Canadians with "probable cancer" of the gastrointestinal tract (26 days) or proven GI bleeding (71 days).

Even for purely elective routine physicals, U.S. waits are shorter than for seriously ill patients in countries with nationalized insurance.



The disgrace of nationalized insurance systems extends far beyond limited access to care.



Comparing data for cancer, heart disease, and stroke, the most common sources of serious illness and death in the U.S. and Europe, and the diseases that generate the highest medical expenditures, we see the overt failure of the NHS and its socialist relatives compared to the U.S. And the same bottom line is true for the most important chronic diseases that portend long term morbidity and mortality, including high blood pressure, diabetes, and high cholesterol.



All have better access to care and better treatment results in the U.S. than in the U.K., proven by studies in the world's leading medical journals.



Adding to those undeniable facts is a long list of inexcusable scandals in NHS hospitals that were repeatedly discovered, investigated, and catalogued with promises of change this past year.



These outrages were epitomized in 2013 by the Staffordshire Trust debacle, where between 400 and 1,200 neglected and abused patients died in squalid and degrading circumstances, where patients were left so thirsty that drinking from the pots of watered plants was necessary.



Although unreported here in the U.S., the 2013 Francis report about Staffordshire NHS hospital, containing more than one million pages and 64,000 documents, and costing British taxpayers about $20 million, caused outrage even for those wedded to government-controlled health care.



While forcing the resignation of the NHS chief, the report more importantly officially called out the insidious negative culture in the NHS, involving a tolerance of unacceptably poor standards and patient neglect , a preoccupation with cost-cutting, targets and processes while losing sight of its fundamental responsibility to provide safe patient care.



Yet, the greatest deception of all about NHS-style socialized medicine, the silly canard that it provides "free" health care for everyone, was visible for anyone interested in facts in 2013

.

The cost to British patients and taxpayers for their dismally performing NHS has been enormous and has increased by 94 per cent in real terms between 1999-2000 and 2009-2010. And even in the face of such outrageous money-wasting as reported in September that millions of non-existent "ghost" patients were registered at NHS surgeries costing taxpayers ?750 million over five years, Secretary of State for Health Jeremy Hunt intransigently argued against any restraints on the 2014 NHS budget of ?114 billion ($175 billion), despite its shameful performance and lack of accountability.



And that cost still does not prevent a growing number of British taxpayers from looking elsewhere for medical care. About six million Brits now buy private health insurance, including almost two-thirds of Brits earning more than $78,700.



According to The Telegraph, the number of people paying for their own private care is up 20 percent year-to-year, with about 250,000 now choosing to pay for private treatment out-of-pocket each year.



Isn't it notable that more than 50,000 Britons travel out of the country per year and spend ?161 million to receive medical care due to lack of access, even though they are already paying for their NHS insurance?



Despite all of these realities, just as in America, many in positions of power refuse to accept the facts and continue to deceive the public.



Even the hard-hitting 2013 Staffordshire report still insisted near the top of its list of summary points that "the NHS is a service of which the country can be justly proud, offering as it does universal access to free medical care, often of the highest order."



In a truly offensive effort to further manipulate the public about their failing system of socialized medicine, the NHS in London separately spent even more taxpayer money -- almost ?13 million, or about $20 million -- on public relations in the last three years, as reported by the BBC.



Eerily echoing that disgraceful waste of hard-earned taxpayer money, our own Obama administration will spend about $684 million, as cited by the Associated Press, mainly on a massive campaign to convince young people to sign up for ObamaCare exchanges and purchase unnecessarily bloated, highly expensive insurance they don't need or want.

Finally, the system often heralded as the model for US health care reform, offers access and quality of care so poor that Britain is now experiencing a serious brain drain of their young doctors.



The NHS has become hugely reliant on doctors trained outside the UK. An estimated 94,833 of the 259,719 doctors of all doctors registered with the General Medical Council, 36.5% of the total, are from foreign medical schools. And what is the solution to the disastrous waiting lists and disgraceful care in the NHS in the face of a considerable outflow of UK medical professionals?



The U.K. government is now considering sub-contracting operations to private firms from other countries.

Is anyone in the U.S. government watching this socialized medicine debacle unfold?



Yet, the stubborn pursuit of an overtly failed system like the NHS, where government controls medical care, is the model for ObamaCare, so the inexorable progression towards what we see in the U.K. should be in the minds of American voters as more components of the law unfold in 2014.



Ultimately, the only way out is for taxpayers and all U.S. citizens who care about choice, access, and quality of health care to make their voices heard.




Scott W. Atlas, MD is the David and Joan Traitel Senior Fellow at the Hoover Institution, Stanford University, and author of "In Excellent Health: Setting the Record Straight on America's Health Care" (Hoover Press, 2011).
 
Originally posted by bigdad48:
Pay no attention to him, he is not as smart on this subject as he thinks , but he will call others names in order to hide his lack of knowledge. He would do well to take his own advice, but he's already removed all doubt for me.This post was edited on 1/5 1:27 AM by bigdad48

This post was edited on 1/5 1:37 AM by bigdad48
I mean you might be right, but aTUfan doesn't display HS civics class level understanding of our government.
 
I mean you might be right, but aTUfan doesn't display HS civics class level understanding of our government
------------------------

Insulting me will not make Obamacare any better. Watch the Dems run from it!

I did not know that after Cogress passed a law that to Gov could the pick and choose which parts it wanted to actually enforce.


This post was edited on 1/6 2:15 PM by aTUfan
 
They can't except congress has given the executive branch the ability to do what they are doing. Goes back at least to Bush II maybe farther back, constitutionally speaking only congress should make the changes. Sadly both sides are more than willing to not follow the constitution.
 
2 poor,

Do you think Obama admin should be able to arbitrarily make changes to the ACA without approval of congress?
 
Originally posted by bigdad48:
2 poor,

Do you think Obama admin should be able to arbitrarily make changes to the ACA without approval of congress?
I definitely am not a fan of the expansion of executive power, but that precedent was set a while ago. The presidency has done plenty of stuff without congressional approval that isn't outlined as an executive power in the Constitution for decades. It's not like this is some new thing. And personally, I find this use of executive power less abhorrent than the military actions in Iraq that were initiated without any form of Congressional approval. Your mileage may vary, however.
 
Weren't the two military actions in Iraq approved by Congress via H.R.J Res 77 in 1991 and H.J. Res 114 in 2003?
 
Your memory is faulty on the Iraq war authorization, congress did give their approval. I agree its not new, doesn't change the fact that its not constitutional we are a representative republic that's what congress is elected for. In fact the only president to use executive power to go to war was MR. Obama himself in Libya, IIRC
 
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