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I find investments are very different and difficult in these extremely Interesting Times!! We hear whispers of manipulation. QE'S that have never been done before. Then we have a template experiment in Cyprus to see the worlds reaction. I just ask everyone to sit back and ask themselves "... More
  • Interesting Times For All Commodities And Investments!! OBAMACARE DIEING?? 47 comments
    Jul 22, 2014 4:48 PM

    Two Republican Judges Gut Obamacare, Threatening Health Care For Millions

    WASHINGTON -- Two Republican judges on the D.C. Circuit Court have ruled that the equivalent of a typo is enough to strip health care subsidies from up to 5 million people, dealing what would be a death blow to the Affordable Care Act if the decision is allowed to stand. The one Democrat on the panel dissented.

    The three-judge panel ruled in Halbig v. Burwell that people in the 36 states that use the federal health insurance exchange are ineligible for subsidized insurance. The decision would also affect those who purchased insurance through the exchange but don't receive subsidies, as reneging on the payments would lead to a rapid increase in insurance rates for everyone.

    The White House said Tuesday the decision will be appealed to the entire D.C. circuit court -- what's known as an en banc review -- where Democrats hold a majority that is nearly certain to overturn the GOP judges' aggressive move. The next step could be the Supreme Court, which already upheld the Affordable Care Act in a separate case two years ago.

    The U.S. courts have never been entirely above the political system, but under Supreme Court Chief Justice John Roberts, whose court routinely strikes down longstanding precedent along 5-4, strictly party-line votes, they are becoming little more than another legislative branch -- one that holds itself above the branch that was vested with lawmaking powers by the Constitution.

    The majority opinion was not without a comedic interlude. "We reach this conclusion, frankly, with reluctance," Judge Thomas Griffith said of the opportunity to achieve a longtime GOP goal.

    The two judges seized on text within the law that said subsidies would be provided to people who purchased insurance on exchanges established by the states. But 36 states declined to set up their own exchanges, and chose to rely on the federal government's exchange instead. Because the law doesn't specifically say that people who bought insurance on the federal exchange also get subsidies, the law's opponents argued that therefore such subsidies are illegal.

    "The problem confronting the [ACA] is that subsidies also turn on a third attribute of Exchanges: who established them. Under section 36B, subsidies are available only for plans 'enrolled in through an Exchange established by the State under section 1311 of the [ACA],'" the majority opinion ruled, rejecting the counter-argument that other portions of the law specifically say that a federal exchange set up for a state is by definition a state exchange. The one dissenting judge said that the GOP argument is silly. "This case is about Appellants' not-so-veiled attempt to gut the Patient Protection and Affordable Care Act," Senior Circuit Judge Harry T. Edwards wrote in his dissent. "At the time of the ACA's enactment, it was well understood that without the subsidies, the individual mandate was not viable as a mechanism for creating a stable insurance market."

    "You don't need a fancy legal degree to understand Congress intended for the Affordable Care Act to provide tax credits regardless who was running the marketplace," White House press secretary Josh Earnest said Tuesday in response to the ruling.

    A key aspect of the plaintiffs' argument is that Congress wanted to incentivize states to create their own exchanges and withhold financial assistance for residents of those states that didn't, a contention Edwards mocked.

    "The simple truth is that Appellants' incentive story is a fiction, a post hoc narrative concocted to provide a colorable explanation for the otherwise risible notion that Congress would have wanted insurance markets to collapse in States that elected not to create their own Exchanges," Edwards wrote.

    The Republican judges twisted themselves in knots to find a way to invalidate the law, while ignoring its intent, Edwards said. "The majority opinion ignores the obvious ambiguity in the statute and claims to rest on plain meaning where there is none to be found. In so doing, the majority misapplies the applicable standard of review, refuses to give deference to the IRS's and HHS's permissible constructions of the ACA, and issues a judgment that portends disastrous consequences," he writes. "Appellants' argument cannot be squared with the clear legislative scheme established by the statute as a whole."

    Arguing the case on the merits, of course, is beside the point. The GOP opposes the Affordable Care Act. Where it has a majority, it proved again Tuesday, it will move to repeal it.

    If the decision survives further court review, it would affect more than half of the 8 million people who received subsidies for coverage for this year, according to the consulting firm Avalere Health. Eighty-five percent of those who purchased health insurance on an exchange received subsidies, but those in the District of Columbia and the 14 states that operate their own exchanges would not be affected by the ruling.

    The decision effectively would hike premiums for almost 5 million people by 58 percent to 95 percent on average, depending on where they live. The highest price increases would be felt by individuals in Florida, Georgia, Mississippi and Missouri, where people would pay at least 80 percent more, according to Avalere Health's estimates based on data from the Department of Health and Human Services. Residents of Texas and 11 other states would pay at at least 75 percent more.

    (click to enlarge)
     

    The ruling against Obamacare subsidies would affect anyone using a federally facilitated marketplace or partnership marketplace. Source: Henry J. Kaiser Family Foundation

    The unelected judges, after ruling to overturn the law passed by both chambers of Congress, said that they did so in order to defend the "principle of legislative supremacy."

    "At least until states that wish to can set up Exchanges, our ruling will likely have significant consequences both for the millions of individuals receiving tax credits through federal Exchanges and for health insurance markets more broadly," they wrote. "But, high as those stakes are, the principle of legislative supremacy that guides us is higher still. Within constitutional limits, Congress is supreme in matters of policy, and the consequence of that supremacy is that our duty when interpreting a statute is to ascertain the meaning of the words of the statute duly enacted through the formal legislative process. This limited role serves democratic interests by ensuring that policy is made by elected, politically accountable representatives, not by appointed, life-tenured judges."

    UPDATE: 12:30 p.m. -- Later Tuesday, three judges appointed by Democrats to a federal appeals court panel in Virginia unanimously ruled the opposite way in King v. Burwell, a lawsuit challenging the legality of Obamacare subsidies on similar grounds. The Virginia court upheld a lower court's ruling in the government's favor. Other Obamacare lawsuits are pending in other federal courts.

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Comments (47)
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  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » IS THIS THE START OF THE END ???
    22 Jul 2014, 04:49 PM Reply Like
  • june1234
    , contributor
    Comments (4262) | Send Message
     
    This is why lawyers work by the hour.
    22 Jul 2014, 06:04 PM Reply Like
  • madpup
    , contributor
    Comments (69) | Send Message
     
    I don't see how it matters one way or the other. The President has clearly demonstrated many times over that any law he does not like he will not enforce, or he will modify any law he does not like thru executive order. Silly rules by the common folk (courts/legislatures) have no barring upon our King. (Sorry, I meant President)
    22 Jul 2014, 06:45 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » I agree with both of you. However does any one think this might have legs and a chance eventually to stand ??
    22 Jul 2014, 06:58 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » HERE IS ANOTHER LENGHTLY ARTICLE..

     

    http://bloom.bg/1A3qKBL

     

    I guess it is the start of things to come !!!
    22 Jul 2014, 07:23 PM Reply Like
  • Ordinary Average Guy
    , contributor
    Comments (1686) | Send Message
     
    From the above article provided by IT:

     

    "You don't need a fancy legal degree to understand Congress intended for the Affordable Care Act to provide tax credits regardless who was running the marketplace," White House press secretary Josh Earnest said Tuesday in response to the ruling.

     

    OAG: That is a priceless comment from Josh Earnest. In other words he seems to be saying that in 2014 and moving forward, that we should be bound by what the Congress of 2010 "intended" for all of us. And if there is any confusion as to what the 2010 Congress intended for us, just ask the White House and they will clarify all of this for us.

     

    On a side note, is Earnest this guys real last name? Or did someone recently give him this name since the words he speaks on behalf of the White House are intended to show his sincere and intense conviction. Maybe this guy is supposed to be a step up from his predecessor, Jay Blarney.
    22 Jul 2014, 09:08 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » Obamacare Subsidy Loss May Boost Premiums, Chase Insurers !!!!!

     

    http://bloom.bg/1rzERMS
    22 Jul 2014, 09:54 PM Reply Like
  • CoinsK
    , contributor
    Comments (3683) | Send Message
     
    On FRI. they will pass a law ,on Saturday they will start a revolution to enforce their "New" law. On Sunday they will demonize all who disagree with the "New" Unconstitutional law. Then on Monday they will become wealthy from the "New" law. On Tue. they will have those wealthy capitalists arrested for getting rich from their "New" law . Saul Alinsky. Obama's hero.

     

    Think about the Insurance companies in this scenario.
    23 Jul 2014, 07:17 AM Reply Like
  • nocnurzfred
    , contributor
    Comments (763) | Send Message
     
    Makes me think 40 years ago when our school system & an adjoining one were proposing to merge & build a new high school. 7 referendum votes failed to pass, but the 8th did pass. Those that voted against got tired of their votes not counting, and those that favored the merger kept coming back. Will be the same here. Hey, maybe they have not finished writing the law yet.
    23 Jul 2014, 08:35 AM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » Agents obtained subsidized 'Obamacare' using fake IDs !!!!

     

    Nah, this could never happen....

     

    http://aol.it/1tBzrPa
    23 Jul 2014, 04:41 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » Killing Obamacare Even if It Hurts !!!!

     

    http://bv.ms/1t5VTCG
    25 Jul 2014, 07:37 PM Reply Like
  • John Wilson
    , contributor
    Comments (1980) | Send Message
     
    Ha ha, Even Barney Frank is appalled that Obama lied about Obamacare:

     

    Barney Frank 'Appalled' By Obama Administration: 'They Just Lied To People
    http://huff.to/1pSFw5Y

     

    The part about Barney Frank saying that Obama lied is the only good part. The rest of the Huffington article is crap.

     

    People are thinking Obamacare is running smooth now since the website works more than 50% of the time now - I know, that's awesome. But just wait till the end of 2014 when people try to do their income taxes and have to reconcile their "Advance Premium Tax Credit" that they got to offset or pay their insurance premium, with their tax liability on the 1040 form. I predict a tax nightmare. Especially for those who estimated their income wrong on their Marketplace application and will therefore owe more income tax at year end. There will be screaming and rage.

     

    Also wait until the employer mandate is supposed to start in 2015.

     

    "The ObamaCare "employer mandate" is a requirement that all businesses with over 50 full-time equivalent (FTE) employees provide health insurance for their full-time employees, or pay a per month "Employer Shared Responsibility Payment" on their federal tax return"

     

    Shared Responsibility Payment means "penalty" in plain English.
    4 Aug 2014, 01:14 AM Reply Like
  • boatman
    , contributor
    Comments (742) | Send Message
     
    obamacare NEEDS to die...........a very bad law.
    15 Dec 2014, 12:52 PM Reply Like
  • John Wilson
    , contributor
    Comments (1980) | Send Message
     
    This story only scratches the surface in regards to how screwed up Obamacare is.
    http://yhoo.it/1z7QeKa
     
    Tax credit screw ups: Income on the application was wrong or out of date – you got too much tax credit during the year & have to pay back,

     

    You have to call the Marketplace to update your application anytime your income changes because it will change the tax credit amount – an hour on the phone each time. If you don't there will be surprises -people don't- they let it slide.

     

    Extended enrollment allowed? How generous? No, just more time to find out the bad news. Work through an app and get the "System is Unavailable" so you cannot submit it. Or you do submit it and find out your income was too low and get no tax credit.

     

    Marrying health insurance to your tax return and the IRS will be seen to be the marriage made in Hell.
    The most stupid thing a government has ever done.

     

    The application eligibility results may tell you that you are exempt from having to buy “Affordable Health insurance” because it was too expensive (what a contradiction), and it will give you an “Exemption Certificate number” to put on your tax return. Whoopee

     

    Almost all of the calls that come in have to do with fixing screw-ups, or it is someone from Texas or Florida that only makes minimum wage or worse yet is unemployed and they want to find out how to get affordable insurance or the Obama tax credit. They really are stunned to find out that they get nothing. It is a cruel joke. They are given a gov't phone number to call to find out where the nearest "Community health center" is.

     

    The biggest eye-opener I have experienced in this is how big the low-income segment of the US population has become. These people – and the numbers are huge, get nothing unless their state has expanded Medicaid.
    ...and the states are blamed because "they chose not to expand Medicaid"

     

    That's Obama and Obamacare – screw things up, make a big mess and pass the buck.
    22 Feb 2015, 02:00 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    Not sure if this qualifies as Affordable Care Act, but it sure would save people both the pain and the costs of a biopsy. http://nyti.ms/1cNfimp
    19 Apr 2015, 07:17 PM Reply Like
  • JohnBinTN
    , contributor
    Comments (4345) | Send Message
     
    Some day maybe they can detect the cancer cells in vitro, and abort, thereby eliminating cancer.
    19 Apr 2015, 09:51 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    JohnBinTN, It is a brave new world; sometimes medical progress is frightening. In my grandmother's lifetime antibiotics were discovered that now make it possible to cure many diseases which used to kill children and adults. In my lifetime transplant surgeries have become common place giving people who once would surely have died a chance to live longer.

     

    Doctors have been performing corrective surgery on babies in utero for the past 20 years. Do you think that some day it may be possible to genetically modify cancer cells in vitro or in utero and make them normal? http://bit.ly/1GcSUPX
    20 Apr 2015, 11:43 AM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » Even if it was possible do you think the pharmaceutical industry would allow it ?

     

    They are pretty powerful... More then the NRA !!
    20 Apr 2015, 12:01 PM Reply Like
  • JohnBinTN
    , contributor
    Comments (4345) | Send Message
     
    They can do some amazing things. Yeah, I think, someday, they will get cancer figured out. I wish them all the luck!!
    20 Apr 2015, 12:35 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    If you can flee from this thing and don't look back.
    19 Apr 2015, 08:20 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    This is not exactly about ObamaCare but on the topic of U.S. health care in general. Did you know that 1 out of 350 colonoscopies causes the recipient serious harm? There are safer methods of cancer screening. "Other developed countries mostly use the stool tests, the FOBT tests, with only a few recommending colonoscopies or sigmoidoscopies." http://bit.ly/1HnBjqo

     

    American gastroenterologists earn an average $500,000/year. Would they earn that much if family doctors handed out cancer screening stool test kits to their patients with no risk of bowl perforation & emergency bowl repair surgery?
    25 Nov 2015, 02:40 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    Happy thanksgiving.
    25 Nov 2015, 03:03 PM Reply Like
  • JohnBinTN
    , contributor
    Comments (4345) | Send Message
     
    The fact that gastroenterologists make $500k/year is just a snapshot of the big picture of why our healthcare in the US is so over-priced.

     

    My niece went to Mexico for root canals and crowns on a few teeth... WTF is wrong with this country? On so many levels... WTF is wrong?
    29 Nov 2015, 08:53 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    Hey JBT,Americans like to eat sugar,lots of it.
    There is no cost awareness,from top to bottom and no plan of action or agreement or even really communication.
    That takes sweating it out and agreeing on principles.It happening,but in disconnected sectors where fundamentals and regulation are enforced by strict penalty.
    The last 8 years have created a discontinuity that is beyond description.
    29 Nov 2015, 09:44 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » CRADE

     

    When i see them carrying that scope around their necks like a snake i do get concerned...
    11 Dec 2015, 06:36 AM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    Good to hear from you, IT. That is a pretty normal fear.

     

    My former principal was seriously injured before he had his colonoscopy. The preparation before the procedure includes taking strong purgative laxatives to clean out the intestines. He became dizzy in the bathroom, lost his balance, and hit his head on the bathroom sink which lacerated his scalp. He bled all over the bathroom until his wife heard him calling for help. Instead of having a colonoscopy that day, she drove him to the emergency room to be checked for signs of concussion and for sutures to close the cut.

     

    My husband had different type of bad experience. In his case, after 3-4 hours of trying & failing to snake the scope through to inspect his intestines, the doctor gave up and ordered a CT-colonography instead.

     

    There are lots of alternatives to ask for: http://bit.ly/1NSHhMe
    11 Dec 2015, 01:12 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    The Sun doth shine again !
    11 Dec 2015, 01:16 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » CRADE

     

    I did mine wide awake ! Couldn't knock me out ...lol.. Was pretty interesting to be honest. Saw my orange jello ......never mind..
    11 Dec 2015, 05:19 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » Could it be Tennessee doesn't have a football team??

     

    I mean the Titans?? Really ??
    11 Dec 2015, 05:20 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    Yikes!
    12 Dec 2015, 10:53 AM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    I meant the Sun doth shine because IT is back.
    I tried to sound Shakespearian.
    12 Dec 2015, 11:26 AM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    Bloomberg is right it's total constituency cost awareness.A national partnership that has to be recognized as such.
    25 Nov 2015, 03:01 PM Reply Like
  • John Wilson
    , contributor
    Comments (1980) | Send Message
     
    More Americans are now covered under Obamacare. That would be good except more people getting covered under Obamacare means more people on Medicaid, and more people with crappy policies with a $3000 to $6000 deductible so they cannot afford to used their coverage.

     

    Even with premiums going up as much as they have like 50% it is a money looser for the insurance companies. UHC just pulled out from Obamacare. There will probably be more bailing too.

     

    Republicans won't have to lift a finger to repeal it. Its a zombie program now - (like a zombie on Z-Nation decaying before your eyes) stalking toward you with its arms extended moaning, "Apply online, enroll - enroll, or you'll pay a penalty -- enroll - enroll . . ." It won't be long and nature will take its course with Obamacare
    26 Nov 2015, 09:39 PM Reply Like
  • Interesting Times
    , contributor
    Comments (14932) | Send Message
     
    Author’s reply » JW

     

    I like your new photo. You actually look intelligent....lmao...
    12 Dec 2015, 04:06 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    JW what tragedy the state of our health care awareness.
    26 Nov 2015, 11:42 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    John Wilson, As far as I can see, the Republicans haven't lifted a finger to help Americans with health care for the past century unless you count Medicare Part D's donut hole as progress.
    13 Dec 2015, 11:03 AM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    http://seekingalpha.co...

     

    Keep this up and all we will have is a donut hole.
    13 Dec 2015, 01:13 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    Fascinating somewhat "non sequitur" comment, al. How are junk bonds related to the Medicare Part D donut hole?
    13 Dec 2015, 03:12 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    For people living part on investment,the co pays and formulary increases and the quality of care based on premiums.
    If the junk bond contagion spreads the support that the market is to health care will stress it general.From Gov to Corp there is an interdependencie on succussful investment keeping pace or above cost.
    13 Dec 2015, 09:41 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    ACA sure was not well planned out for the times we are in.
    13 Dec 2015, 03:24 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    al, I'm a believer!
    13 Dec 2015, 09:33 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    Crade Velocity is already at it lowest,any contraction further health care or any service is not going to get better.

     

    Crade,i believe in you and you are a great teacher,thank you.
    ps. pension funds to depend on the market if they don't get their dividends and gain...
    That's what they do in NYC,Dallas,Hartford.

     

    Whether we like it or not we are incorporated on every level of our lives and its a lot of work,and portfolios should be designed with that incorporation in mind,and unfortunately it is not 1950 in the month of may.

     

    Crade it does come down to cost awareness and most Americans don't want to be bothered,that is the old system of getting votes.

     

    Bring cost awareness into any situation,anywhere and you want get elected.

     

    Britt's or Israel probably have tightened up from bottom up with individuals understanding and a grasp of the protocol.
    13 Dec 2015, 09:47 PM Reply Like
  • crademan
    , contributor
    Comments (2574) | Send Message
     
    Somehow I think the average bloke in Britain or Israel is pretty much like the average guy here in the U.S. Most people are just trying to make it day to day as best they can.
    13 Dec 2015, 10:31 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    My overall experience they are quicker to act to "Pressures" overall,on the group level,we paid nothing or had no rules during either gulf war,no individual observations to assure the national effort at all,same with economics,debt is an act of war,and requirements all meaningless ink,corporately,reside... and Government.

     

    Crade i usually don't talk this stuff but it applies to finance and investment as well,kinda entitled.

     

    The security and trust that banks,corporations and government and individual citizens afford is a large part of the value and why the Globe sought our products lose that and more value gone.

     

    America was and still is the most ethical nation on the face of the planet and to say otherwise is treason,and its said every day freely.
    just creates a lightening rod and gives cause to advisaries.
    I can't imagine an Israeli talking like that long in the tight spot they are in and hope not.
    13 Dec 2015, 10:52 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    That's why executives get paid the way they do,they deal with everything which seems unrelated comprehensively.
    Then deal with 3 levels of government every three months on the job and at home.
    13 Dec 2015, 10:36 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    Crade health care for all is extremely important and takes the whole nation to work.

     

    And right now we don't have a whole nation,ok.
    13 Dec 2015, 11:03 PM Reply Like
  • al roman
    , contributor
    Comments (16576) | Send Message
     
    So many of these guys working tech,finance,engineering and pushed long hard hours and just run through a grind mill just to get a piece of legislation like that ? And as a pool preserving and paying into the national pool to keep it operating,and watching their own budgets in the traditional American spirit.
    WWII was the greatest generation this planet has ever seen and gave the most in war and peace and they are gone.
    And the last two presidents ripped apart the global structure that was part of our procurement and well being as well as our allies.

     

    Shame.
    13 Dec 2015, 11:26 PM Reply Like
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