obamacare reform

(applause) the vice president:thank you all. let them celebrate a little bit. audience:fired up! ready to go! fired up! the vice president:thank you. mr. president, i thinkwe got a happy room here. (laughter)

it seems ridiculous to saythank you all for being here. ladies and gentlemen, to statethe obvious, this is a historic day. in our business you use thatphrase a lot, but i can't think of a day in the 37 years thati've been a united states senator and the short time i'vebeen vice president that it is more appropriately stated. this is a historic day. and history -- history is notmerely what is printed in textbooks. it doesn't begin or endwith the stroke of a pen.

history is made. history is made when men andwomen decide that there is a greater risk in accepting asituation that we cannot bear than in steeling our spine andembracing the promise of change. that's when history is made. history is made when you allassembled here today, members of congress, take charge to changethe lives of tens of millions of americans. through the efforts of those ofus lucky enough to serve here in this town, that'sexactly what you've done.

you've made history. history is made when a leadersteps up, stays true to his values, and charts afundamentally different course for the country. history is made when a leader'spassion -- passion -- is matched with principle toset a new course. well, ladies and gentlemen,mr. president, you are that leader. mr. president, your fierceadvocacy, the clarity of purpose that you showed, yourperseverance -- these are in

fact -- it is not hyperbole tosay -- these are the reasons why we're assembled in thisroom together, today. but for those attributeswe would not be here. many, many men and women aregoing to feel the pride that i feel in watching you shortly,watching you sign this bill, knowing that their work -- theirwork has helped make this day possible. but, mr. president, you'rethe guy that made it happen. and so, mr. president, all ofus, press and elected officials, assembled in this town overthe years, we've seen some

incredible things happen. but you know, mr. president,you've done what generations of not just ordinary, but great menand women, have attempted to do. republicans as well asdemocrats, they've tried before. everybody knows the story,starting with teddy roosevelt. they've tried. they were real bold leaders. but, mr. president,they fell short. you have turned, mr. president,the right of every american to

have access to decent healthcare into reality for the first time in american history. mr. president, i've gottento know you well enough. you want me to stop becausei'm embarrassing you. but i'm not going to stop foranother minute, mr. president, because you delivered on apromise -- a promise you made to all americans when wemoved into this building. mr. president, you are -- torepeat myself -- literally about to make history.

our children and ourgrandchildren, they're going to grow up knowing that a man namedbarack obama put the final girder in the framework for asocial network in this country to provide the single mostimportant element of what people need -- and that isaccess to good health -- -- and that every american fromthis day forward will be treated with simple fairnessand basic justice. look, the classic poet, virgil,once said that "the greatest wealth is health."

the greatest wealth is health. well, today, america becomes awhole lot wealthier because tens of millions of americans will be a whole lot healthier from this moment on. ladies and gentlemen, the president of the united statesof america, barack obama. the president:thank you, everybody. thank you. thank you, everybody.

thank you everybody. thank you so much. please, have a seat. thank you, joe. the vice president:good to be with you, mr. president. the president:today, afteralmost a century of trying; today, after over a year ofdebate; today, after all the votes have been tallied --health insurance reform becomes law in the unitedstates of america.

today. it is fitting that congresspassed this historic legislation this week. for as we mark the turning ofspring, we also mark a new season in america. in a few moments, when i signthis bill, all of the overheated rhetoric over reform willfinally confront the reality of reform. and while the senate still hasa last round of improvements to make on this historiclegislation -- and these are improvements i'm confidentthey will make swiftly --

-- the bill i'm signing willset in motion reforms that generations of americans havefought for, and marched for, and hungered to see. it will take four years toimplement fully many of these reforms, because we need toimplement them responsibly. we need to get this right. but a host of desperately neededreforms will take effect right away. this year, we'll start offeringtax credits to about 4 million small businessmen and women tohelp them cover the cost of

insurance for their employees. that happens this year. this year, tens of thousandsof uninsured americans with preexisting conditions, theparents of children who have a preexisting condition, willfinally be able to purchase the coverage they need. this year, insurance companieswill no longer be able to drop people's coveragewhen they get sick. they won't be able to placelifetime limits or restrictive

annual limits on the amountof care they can receive. this year, all new insuranceplans will be required to offer free preventive care. and this year, young adultswill be able to stay on their parents' policies untilthey're 26 years old. and this year, seniors who fallin the coverage gap known as the doughnut hole willstart getting some help. they'll receive $250 to helppay for prescriptions, and that will, over time, fillin the doughnut hole.

and i want seniors to know,despite what some have said, these reforms will not cutyour guaranteed benefits. in fact, under this law,americans on medicare will receive free preventivecare without co-payments or deductibles. that begins this year. once this reform is implemented,health insurance exchanges will be created, a competitivemarketplace where uninsured people and small businesses willfinally be able to purchase affordable, quality insurance.

they will be able to be part ofa big pool and get the same good deal that membersof congress get. that's what's going tohappen under this reform. and when this exchange is up andrunning, millions of people will get tax breaks to help themafford coverage, which represents the largestmiddle-class tax cut for health care in history. that's what thisreform is about. this legislation will also lowercosts for families and for

businesses and for the federalgovernment, reducing our deficit by over $1 trillion inthe next two decades. it is paid for. it is fiscally responsible. and it will help lift adecades-long drag on our economy. that's part of what all of youtogether worked on and made happen. that our generation is able tosucceed in passing this reform is a testament to thepersistence -- and the character -- of the american people, whochampioned this cause; who

mobilized; who organized; whobelieved that people who love this country can change it. it's also a testament to thehistoric leadership -- and uncommon courage -- of the men and women of the united states congress, who've taken their lumps during this difficult debate. audience member:yes, we did. the president:you know, thereare few tougher jobs in politics or government than leading oneof our legislative chambers. in each chamber, there aremen and women who come from

different places and facedifferent pressures, who reach different conclusions about thesame things and feel deeply concerned aboutdifferent things. by necessity, leaders haveto speak to those different concerns. it isn't always tidy;it is almost never easy. but perhaps the greatest -- andmost difficult -- challenge is to cobble together out of thosedifferences the sense of common interest and common purposethat's required to advance the dreams of all people --especially in a country as large

and diverse as ours. and we are blessed by leadersin each chamber who not only do their jobs very well but whonever lost sight of that larger mission. they didn't play for the shortterm; they didn't play to the polls or to politics: one ofthe best speakers the house of representatives has ever had, speaker nancy pelosi. audience:nancy! nancy! the president:one of the best majority leaders the senate has ever had,

mr. harry reid. to all of the terrific committeechairs, all the members of congress who did what wasdifficult, but did what was right, and passed healthcare reform -- not just this generation of americans willthank you, but the next generation of americanswill thank you. and of course, this victorywas also made possible by the painstaking work of members ofthis administration, including our outstanding secretary ofhealth and human services,

kathleen sebelius -- -- and one of the unsung heroesof this effort, an extraordinary woman who led the reform effortfrom the white house, nancy-ann deparle. where's nancy? today, i'm signing this reformbill into law on behalf of my mother, who argued withinsurance companies even as she battled cancer inher final days. i'm signing it for ryansmith, who's here today.

he runs a small businesswith five employees. he's trying to do the rightthing, paying half the cost of coverage for his workers. this bill will help himafford that coverage. i'm signing it for 11-year-oldmarcelas owens, who's also here. marcelas lost hismom to an illness. and she didn't have insuranceand couldn't afford the care that she needed. so in her memory he has told herstory across america so that no

other children have to gothrough what his family has experienced. i'm signing it fornatoma canfield. natoma had to give up her healthcoverage after her rates were jacked up by morethan 40 percent. she was terrified that anillness would mean she'd lose the house that her parentsbuilt, so she gave up her insurance. now she's lying in a hospitalbed, as we speak, faced with just such an illness, prayingthat she can somehow afford to get well without insurance.

natoma's family is here todaybecause natoma can't be. and her sister connie is here. connie, stand up. i'm signing this bill for allthe leaders who took up this cause through the generations --from teddy roosevelt to franklin roosevelt, from harry truman, to lyndon johnson, from bill and hillary clinton, to one of the deans who's been fighting thisso long, john dingell. to senator ted kennedy.

and it's fitting that ted'swidow, vicki, is here -- -- it's fitting that teddy's widow, vicki, is here; and his niece caroline; his son patrick, whose vote helped make this reform a reality. i remember seeing ted walkthrough that door in a summit in this room a year ago -- one ofhis last public appearances. and it was hardfor him to make it. but he was confident that wewould do the right thing. our presence here today isremarkable and improbable.

with all the punditry, allof the lobbying, all of the game-playing that passes forgoverning in washington, it's been easy at times to doubt ourability to do such a big thing, such a complicated thing; towonder if there are limits to what we, as a people,can still achieve. it's easy to succumb to thesense of cynicism about what's possible in this country. but today, we are affirming thatessential truth -- a truth every generation is called torediscover for itself -- that we

are not a nation that scalesback its aspirations. we are not a nation that fallsprey to doubt or mistrust. we don't fall prey to fear. we are not a nationthat does what's easy. that's not who we are. that's not how we got here. we are a nation that faces itschallenges and accepts its responsibilities. we are a nation thatdoes what is hard. what is necessary.

what is right. here, in this country,we shape our own destiny. that is what we do. that is who we are. that is what makes us theunited states of america. and we have now just enshrined,as soon as i sign this bill, the core principle that everybodyshould have some basic security when it comes totheir health care. and it is an extraordinaryachievement that has happened

because of all of you and allthe advocates all across the country. so, thank you. god bless you, and may godbless the united states. all right, i would now like tocall up to stage some of the members of congress who helpedmake this day possible, and some of the americans who willbenefit from these reforms. and we're goingto sign this bill. this is going totake a little while. i've got to use every pen, soit's going to take a really long time.

i didn't practice. (the bill is signed.) we are done.

obamacare program

there's a conservative attempt todismantle obamacare the mitch mcconnell justsigned onto and this is a that there's basicallythis risk pool created for insurance companies by obamacare andit's funded by taxpayers in this thing sunsets by the way in 2016 theassumption is the by then we won't need it but you know just for the roll out someinsurance companies depend you know depending which statestheir opportunity what plans they put together

may end up with some with more oldersicker people and fewer younger healthy people andthey might lose money on obamacare and other insurance companies might make ahuge profit on obamacare and so this this kinda risk pool for the insurancecompanies was set up so that if insurance companies lose money will cover them and you know one otherconservative comments about obamacare is that this you knowthis is %uh there's a hundred different moving parts in this thing but it which is true and it's why ithink you know hey

just medicare part e single-payer let'sjust offer everybody in america medicare and the easy way to do that by the wayis to simply amend obamacare to at a public option to it because thenyou can't choose medicare or you can choose your health insurancecompany miss after also present obama campaigned on in 2008 but in any case and they're saying let'sjust do it legislatively do away with this risk pool which of course is gonna cause insurancecompanies a sacred relic

we are playing this game anymore youhave to have our back or were not guaranteed profitability and you to actually i mean that you know there's a there's apopulist element to this that might actually cause it to work because peoplegenerally 8 sure its companies and what the republicans are saying is why our tax dollars making sure that theinsurance companies don't lose money now the easy answer to that is that because obamacare is a republican plan

it was developed by the heritagefoundation or institute or whatever they call it and it was put into place by mitt romneyin massachusetts republican governor it is a republican plan it was first proposed by richard nixon the democratic plan was always medicarefor everybody harry truman in 1947 proposed that everybody becovered by a national health insurance program single-payer thats always been the democrats plan

obamacare as a republican plan but itwas put forward by democratic president in an in a time when republicans you know had a why at the time it passed i don'tthink they had control has represented but they had basically control the senate in as muchas they could told us you think they could block things and so they're allthese compromises made to get enough republicans to vote forthis thing plus there were these conservative comes in %uh the max baucusis

up the world who had to be mollified and so you know we ended up with therepublican health care care plan for as a national health careplan and because it's republican health care plan it uses private companies in makes money for them and guarantees thema prop so the republicans now ur saying you knowwe know the problems with their own plan if we pull out this this guaranteedprofitability peace which is only going to be in effect forthe first two years

while those program kind of adjustsitself right is presumably after two years the healthinsurance companies will no and this is apparently our tomassachusetts to after the in the two years the health insurance companies allknow okay here's what we should separate saidhere's where risks are yours you note the years was gonna sign up they just you know it all been all thenow you can do the math so people acting out the first two yearsyou crash obamacare and believe it or not this is this isthe new thing that that

their trying to do at the same time thatthey're trying to do that this is the the absolute strangest thing mitch mcconnell well he's while he'strying to do this he is his running television ads back inkentucky same that he that match helps get health care for people hisparty at this is %uh the sky whispering awesome these days i don't have much of a choice butsomething i can't i can't at the nl someone like stop allies match

got a whole is guys whispering kors hesays you know i work with radioactive materials i got throat cancer mitch mcconnell pass legislation thatthat to you know actually provided 250,000 a cash payment anybody gotradiation from working with this materials up mcconnell also ignored the plant onthe dangers of the plant's and you know he was i mean there's justthere's a really sordid story behind this thing but net now at this guy is the mcconnellcampaign is same

you know mitch got me health care government funded healthcare is getting even at the joint okobamacare anything i gotta cuz he worked at this factorthat was handling radioactive for is the kinda weird that at the same timethat you're trying to dismantle my health care program for the countryyou're running an ad in your home state talking about how your the champion ofgovernment-funded health care welcome

very strange will be back its 28 test you're listening to the thom hartmannprogram call 866 987 thoi em and should we consider same you know it's time rickles economic islikely appeal slavery

obamacare pre existing conditions

fiscal year... which begins in july. will thousands of connecticut residents with 'pre-existing conditions' suddenly become 'un-insurable?'that's the big question as republicans in congress move ahead this week with a plan to repeal

"obamacare" even thoughthey "do not" ...yet have a plan to replace it.chief political correspondent mark davis joins us live with more... good evening. democrats around the country are staging events calling attention to the best

parts of the affordable care act.... and hoping to garner public support for moving more slowly on the repeal. 3 60 year old gaye hyre of west haven was

diagnosed with breast cancer seven years ago. it was a time when her husband has lost his job and they had lost their insurance. her treatment was covered by the connecticut 'charter oak' plan which was eventually absorbed by the

federal 'affordable care act,' 'obamacare.' [hyre] "i am a breast cancer survivor and if the 'affordable care act' is removed i will be uninsurable." repeal would mean the protections in the aca, like

no refusal of coverage because of pre-existing conditions, would be suddenly gone.[hyre] "should i be so unfortunate as to have a recurrence; bascially i would lose my home and i won't know where to go or what to do." there are

thousands of other connecticut residents like gaye that would be in the same kind of uninsurable health care crisis if the congress moves ahead with repeal without some sort of plan to replace it. [hyre] "it's

terrifying, i think it's foolish and i think it's something that we all have to stand up against." [brunetti] "my medications cost upward of 250 thousand dollars a year and that's before i set foot in the doctor's office for exams

and tests." colleen brunetti of west hartford has "pulmonary hypertension," a rare lung disease. without obamacare, insurance companies could again impose annual limits on how much they will pay.[esty] "repeal and

no 'replace' is a disaster. it's wrong. it's sloganeering. it's shameful and it's dangerous." [blumenthal] "this week begins the battle and that's why we are here today to say no to the republican effort to 'make

america sick again." democratic senators from around the country are scheduled to take to the senate floor in washington starting at this hour... in speeches denoucing this move.

and with events like this one in hartford today in hopes of holding off the repeal until until a suitable replacement is also on the agenda. in the senate, democrats will need to convince 3 republicans to join with them to stop the

repeal effort. live, from the hartford newsroom, mark davis, news 8.

obamacare plans

compare health insurance plans allied health texas 888-417-2245 english, obamacare health insurance looks complicated. allied health specialists find health plans for individuals and families ever day and has been doing that for years. obama care is just another day at the office to allied health texas because allied health specialize in finding the right plan at the right price. compare health insurance, get the facts, get the benefits. allied health texas 888-417-2245

obamacare plans 2016

obamacare 2017

obamacare passed

butch matthews is a 61-year-old formersmall business owner from little rock arkansas this is a guyi used to wake up at 4am every morning to deliver cannedbeverages to retailers this was before he retired in 2010 he's a lifelong republican and he washeavily skeptical all the affordable care act when itfirst passed but and his health care situation is amazing so get this he wasself-employed between 1997 and 2010 meaning he had to purchase his own planon the individual market

and anybody who's ever done that knowshow hard that is a knows how expensive it could be so he chose a blue coat blue cross blueshield plan for himself and his wife that charged 250 dollars per month a premium and had a two thousand dollardeductible okay that was the plan when he first gotinto it but the price of his policy overtime kept rising but even as his policy started to cover fewer ofhis costs eventually he had to pay 1000 in sixtynine dollars per month

with %uh ten thousand dollar deductible do you believe that you're paying over athousand dollars per month and then when you getting all thehospital you still have to pay the first ten thousand dollars that is the worst insurance i've everheard of and by the way i can even cover ismedication or as doctor's visits sweeping over a thousand dollars a monthto get nothing in return nothing in return what stunningly badpolicy and won a stunningly idiotic health care system we've set up right

but and by the way this guy needed but surgery in 2006 too so we had tofrequently be involved with the health care systemhe said quote i do not work now i'm 61 and we do haveassets saved up but still to come up with a over athousand dollars per month but i want a blue cross blue shield buti could not change it anything else so i was locked and well that allchanged once obamacare state-level marketplaceis open to the public on tuesday and matthews knew that at hisincome level

the law would help him pay for insuranceso get this his new coverage will cost him absolutely nothing per month in premiums nothing now why is that willunder obamacare middle-class families in poor families %uh the poor get extended medicaidinsurance they rose that level of income for medicaid and the middle class gets up subsidies so when you factor in all his federalsubsidies for all the different purposes

at he has a deductible %uh only 750 anypays 0 per month and by the way this is themid-level silver policy that he paid out about a bare-bones policy a which also offers a significantlybetter benefits package a doctor visit will no longer cost himabout a hundred and fifty dollars it will cost him 8 dollars now how much when you calculate everythingup when you add everything up how much is his overall savings per year13

thousand dollars so what would matthewstell other americans who are skeptical about obamacare quote i would tell them to learn moreabout it before they start talking bad about it be more informed actually check thefacts about it i still am a very strong republican but are more arm so happy that this camealong we had more expense on medical care than everything else put together sothis is gonna be

a great help for us well mister matthews you might wannareconsider the whole being a republican thing but wow what an amazing personal storythis iz i don't know how the republicans canargue against this all-volunteer is not perfect by anystretch of the imagination in fact we know according to the factsaccording to the study is that if we copy the best health caresystem in the world the french system which is privatehealth care providers

but public a coverage via tax dollars isfully funded by tax of dried up the best in the world single pair would be better medicare forall would be better we know that right but this is definitely better than thesystem that we had and butch mathews is living proof ovett look in the system beforehand 45,000people die every year in the united states because they didn't have accessto basic health care okay obamacare dresses that to a largeextent not nearly enough but it's better than what we had therepublicans need to stop arguing

for apush statically irrational position

obamacare overturned

this episode of crashcourse is broughtto you by squarespace. hello. my name's craig, and this iscrashcourse government and politics, and today we're gonna really figure out why the presidentis the most powerful man in the world. okay, not really, i guess, obviously, the reasonhe's the most powerful person in the world is he leads what's currently the most powerfulnation in the world, and he can't really take credit for america's global position. besides, there's a good case to be made thatthe richest man in the world is the most powerful, and if we're talking cultural influence, thenwho's more powerful than kanye? according to kanye, no one. but rather than go downthe rabbit hole of power and the secret cabal

that actually runs the world, let's talk aboutthe powers of the president that are not in the constitution, at least, not literally. [theme music] so the constitution lays out a specific limitednumber of expressed powers, but the president's able to do a lot more than what the constitutionsays. expressed powers are sometimes called 'formal powers', but the president also hasinformal powers that do not appear within the written text of the constitution. sometimesthe powers he has are implied by the wording of the constitution, while sometimes, they'reconsidered inherent in the office of the presidency, which means that they flow logically from the ideasin the constitution. a little confusing, right?

well, maybe the thought bubble can explain. let's start easy with an expressed power,which is not the same as an espresso power, which is what i'm currently running on. theconstitution says right here in the text that the president is the commander in chief ofthe army and the navy. this also implies that he can and perhaps will lead the armed forceswhen the nation is at war. it also implies that he can command the air force, even thoughit only mentions the army and navy. so far, so good, but what about when the nation isnot technically at war? remember that the constitution gives congressthe power to declare war as a check on presidential power, but the president still has the inherentpower to use troops even when congress hasn't

actually formally declared war. logically,if there's an immediate threat to the us and congress doesn't have the time or the opportunityto declare war, the commander in chief must be able to use force. so this power is saidto be inherent in the office. the problem is that once you grant that the presidentmust have the power to use troops, how do you limit him? what sorts of threats are soimmediate and dangerous that the president should have free reign to send troops? otherthan martian invasions or taco tuesday riots, obviously. if you look at most of the timesamerica has sent troops into conflict, especially during the 20th and 21st centuries, it's beendone with him acting as commander-in-chief without a formal declaration of war. we senttroops to korea, vietnam, afghanistan, and

twice to iraq without congress declaring war, andthese are just the big ones. we're not even gonna talk about grenada and panama and all the other smallinterventions, so is there any check on this power? after vietnam, congress tried to put on thebrakes by passing a war powers resolution, which requires the president to get authorizationto use troops within 60 days of when he first commits them, or else he has to bring thetroops back. this sounds like a pretty powerful check, but in practice, congress always authorizedthe president to use force. thanks, thought bubble. sometimes i use force without being authorized. the president has informal powers in foreignpolicy, too. formally, the constitution says the president has the power to make treaties, receiveforeign ambassadors, and appoint ambassadors

and ministers. the president has developedthe power to negotiate executive agreements, which are nowhere in the constitution. executiveagreements are, well, they're agreements between the us and foreign nations that look liketreaties but aren't formally treaties. they can come with treats, though. brownies. cookies.trade concessions. the most important difference between an executiveagreement and a treaty is that the agreements don't need to be ratified by 2/3rds of thesenate, but they become valid with only a majority of vote in both houses. this makesthem easier to pass than a formal treaty and explains why presidents prefer executive agreementsto treaties. lately, there have been some very importantexecutive agreements, like the general agreement

on tariffs and trade or gatt that has morphedinto the wto, and the north american free trade agreement, better known as nafta, 'cause if itwere a treaty, it'd be naftt, and that would be nafty. although it isn't mentioned in the constitution,the president is effectively the chief executive officer or ceo of the us. where does thispower come from? formally, it's in the faithfully executed clause in the presidential oath ofoffice, but more practically, it comes out of his power to appoint judges, ambassadors,and other ministers. sorry, judges and ambassadors, but when it comes to executive power, it's theother ministers that matter here, because they're the cabinet secretaries and other heads of administrativeagencies that make up the bulk of the government. the president chooses agency heads that agreewith his policies- at least he hopes they

do. so his appointments shape the politicalagenda. but more importantly, in appointing the ministers, the president assumes an inherentpower to direct them and their agencies on how to implement laws. this makes since. asanyone who's ever worked for a boss knows, once you're hired you're sort of expectedto know what your boss wants and to do it. this power to direct agencies and how to executelaws is enormous. it basically directs the way the government acts. the president has pretty limited formal powersover congress. other than convening special sessions, and the veto, and the state of theunion address, maybe, he can't do all that much to influence them. i mean congress usuallymeets without the president telling them to and he almost never vetoes bills. but thatdoesn't mean that the president doesn't have

a big informal role to play in the legislativeprocess. the president can attempt to set the legislativeagenda by making recommendations for laws that he'd like to see passed. this is sometimescalled the legislative initiative, and in practice it usually means that executive branchofficials will actually draft the legislation they want and give it to congress to refineinto something they can pass. this is what happens with big agenda items like the affordablecare act. you may know it as obamacare. or the dodd-frank act, which, despite being namedfor its two congressional sponsors was actually written with a lot of input from the whitehouse. i should note here that even though it mightlook like the president is usurping legislative

power, congress often gives its power to thepresident willingly, because it wants to avoid responsibility for unpopular policies. hesaid it. i didn't say it. he said it. also this is pretty limited power for the presidentbecause he can't force congress to pass anything, even if he wrote it and says "please, please,please, please, please." and because a president's ability to move the agenda decreases as hispopularity decreases. there's another legislative power that the presidenthas that is probably the most important one. he can give executive orders. these arepresidential directives, or rules, that have the force of law. executive orders can beoverturned by actual congressional lawmaking, or by supreme court decisions. these executiveorders allow the president to circumvent the

legislative process and act unilaterally.ideally the president and congress should work together, but c'mon! sometimes the presidentdecides to go it alone. 'cause they're... they don't work together that often. thesedays anyway. some really important policies have been madeby executive orders, including desegregating the military and the creation of the environmentalprotection agency. but executive orders may not be as durable as a law passed throughthe normal channels. if the next president in office disagrees with the order as a presidentput in place, he or she can get rid of them just as easily as his or her predecessor putthem in place. the other informal power the president hasis kind of obscure, but also pretty important.

the president can impound the funds that congresshas appropriated for certain programs or projects if he doesn't want them implemented. moregenerally, under his power to execute the laws, he can order the bureaucracy to implementpolicies in a certain specific way. or sometimes not at all. although this can get him in totrouble there's one last inherent power i'll mentionthat the president currently has and that's executive privilege. there's probably more,but no president has asserted them yet. basically this is the president's ability to keep informationsecret by claiming that it's too important to be revealed, usually for reasons of nationalsecurity. there's a check on executive privilege though. it can be overturned by a court orderas happened in the landmark supreme court

case u.s. vs. nixon. there they court orderednixon to turn over tapes of his conversations with aids that might have related to the watergatescandal. so even though the president isn't given aton of power in the constitution, the president is pretty powerful. this is especially trueduring war. even if that war hasn't been declared. and this is a point you should remember. youshould remember everything i say, but you should remember this too. congress and theamerican people are usually willing to defer to the president on military matters and the inherentpowers of the commander in chief are enormous. often increased presidential power has beenthe result of a president seizing the initiative and expanding his own inherent or impliedpower. and once a president has established

an implied power, the next president's veryunlikely to do away with it. oh, please, more power? no thank you. but just as often as presidentsimply their own powers, congress willingly hands over more power. and that's what we're going totalk about in the next episode. thanks for watching. crash course government and politics is producedin association with pbs digital studios. support for crash course us government comes fromvoqal. voqal supports non-profits that use technology and media to advance social equity.learn more about their mission and initiatives at voqual.org. crash course is made with the help ofthese commanders-in-chief. thanks for watching.

obamacare outline

gerald friedman's joining us he'sprofessor of economics at the university of massachusetts amherst landed graduateall minor and he has eight unique piece in dollars and sense dot or which talksabout what would a potential single-payersystem actually look like a spars uh... what would it cost we're with themoney come from and uh... would it be communist socialism like we hear so muchuh... in uh... mainstream corporate media the professor friedman i think agood place to start would be before we talk about how such a system would befunded uh... what it would cost which yououtlined in the paper don't you

you're well of course you've got the lot left with pendingtheir that back at the bottom line with bending down event in seventy eight dollars out of the peopleof the bells what are it arm which i think that may be bar people that he cannot be spent a lot ofmoney and helped get the proper we get pretty it

belt that we can't are here well what band and we could probably get erectile or spending less money that's at leastthe experience of amply other there okay but what will you tell you when yousay we're spending we could spend less than seventeen dollars what potentiallywhere do you see a dropping or something it marburg alll but we could brookwood empathic they'vebeen built

billion dollop which would get if i would spend the gapsomething like well well that abdullah plop out that at that point outwitted or that's about these thingsthat with order directing but what about cutting problem well yet for example it gets kind of american don't laptop on and they're like that that concededsix you well

well another hampers samples so american don't have health insurance at somepoint of view alm or really inadequate help private healthinsurance that would be a fit barb it doesn't cut their for so as a percentage of g_d_p_ growth forworked for comparison

does the u_s_ spend uh... how how toother countries at the same level of development is the u_s_ spent as apercentage of g_d_p_ on health care about eleven sat which is really interesting withoutsystem uh... a lot of people talk about theortho if uh... private just a bit bonham well yaar pop-up book i helped her went employmentand that's why it actually we've had a major change thereare all before that would be dot

four years ago most employees they'd stop chart with done whenloopholes repeal park which was a community its why am we're everybody in the air your stable property of but what the step that we fragment of so that you know it hundreds of hebron playing on off thebike doesn't at the pump

canada what time that we would keep you readthat directly will private competitive are what prompts aspen habitat want about but universal single-payer system the walkway at the age proper at that or that they've been trying to work withthem because they've been that's not

uh... instead i would spend a good productsthat have been that that spending the products m_-eleven that's that's definitely add that thoseare those of the numbers i think we need to be looking at which you won't hearabout when this is discussed when when the main criticism of its too expensive you don't hear those numbers for you not not not to know that was just a bitwombat go what property opal aren't entered the debate here are

like expecting rolled thereafter andarmada then in the united states drugs on withspending more and more bodies every all the repair i think the bigger increase lifeexpectancy what less money here well let's let let's let's assume wecould agree that the system would work better which not everybodywould concede to us but for the purposes of this conversation let's assume we canat least agree on that then the next optical people like to talk about iscost and when you outline this i think

is one point three five trillion cost you breakdown exactly how this would bepaid for what's the biggest component because people assume hey my taxes onincome mergers going to go up and uh... you know it's it's class warfare etcetera how would you actually pay for the system well first of all it it would be paid well act this type ofmost unbearable or where the or eventful at

that opened the or or on although or that indeed ninety-five alert them aren't they would be than significantlywet arm finding open term than that at that off of the bering village program willbe outlawed looking went act or

financial transactions veto a tax write but opened which is a good thing to do anything apulp and paper it out if the defendant expected help yet out but it was the captain rebukeposting skillrich prevention albrecht looks financial it yet that late q correct that uh... soto compact

i pat bolan alright or start back but by income arm apparel lap that weights people now all with some of what way and at on and being back went generate the money that we made it even all my life

will be expanded carpet or where or or people that uh... all help capture in this eventakes into consideration the fact that if people had coverage that they weren'tpaying for each individual visit you might see increased utilization rightthings people put off they would no longer put off you even considering that in the costare you not irr they're worried about in uh... hilton's that arm about what a prophetic people thatare open to not

bill scripture that albeit barb baap it incurable spend from doctor golden did you get this they don't get it fifteen twenty percent of people winhelp people well or sc it bub can grow so when we got only lower when we lookat the bottom line if we take into

consideration the additional taxes beingpaid as well as the savings to people from not buying health insurance everybody up to the fore to the top fourpercent of income earners correct me if i'm not would have a net gain in disposableincome by the amount that they would save is going to be far outweighed bythe additional taxes they would pay on health care for health care e about that

hailed accident with the arrow wait butnot that sick and it thank you both looking what i think this would be a major step birthing rate globalctg of up the fire that that or with yet aren't we credits huge transferable well and info

all off their chin people uh... ako since i was just looking at isthat this different recession damp on although include that with are with property at port well not what ninety-three but or wellexpo are and we're certainly familiarcriminally with those numbers the next discussion of course which we don't havetime for today but will have you back

for is will this more likely happen underindividual states single-payer systems but will it happen under expandingmedicare et cetera a but not that no time for that today unfortunately thearticle is a dollars and sense dot lord we've been speaking with gerald friedmanhe's professor of economics at the university of massachusetts amherst uh... great police in really a pleasureto speak with you and all in your practice now joining us as well so uh...carlos the both are really asked opal

uh... at the bar thanks professor thank you very much

obamacare originally republican idea

obamacare, or the affordable care act is a law than was enacted to ensure that every single american, regardless of age, sex or race has access to affordable health care. the idea was headed by president barack obama, and resultantly it’s named after him. essentially, obamacare is supposed to represent a medium between a fully fledged market based healthcare system, and a government owned nhs esque system that still allows people to choose their own health package, but also prevents people from being abused by the system. obamacare supposedly does this by offering people discounts on government sponsored healthcare plans, and expanding the medicaid system to ensure people who can’t afford healthcare are provided with it. as well as this, there are certain rules that insurance companies must follow to prevent people from being mistreated by the system. for example, people can no longer be refused insurance, or forced to pay huge premimumes simply for having a pre existing condition. the issue with obamacare is that some argue it has caused insurance premiums to skyrocket. many argue that this is indicative of the whole idea, obama simply wants to redistribute the cost of healthcare from the poorest to the middle classes, who are forced to pay more. however whilst there are some that argue obamacare has done too much, some argue it has’nt gone far enough.

people like vermont senator bernie sanders, who argue for a single payer system say that obamacare doesn’t protect enough people and that a fully fledged nationalised healthcare system like the systems in canada and the uk, would do just that. yet president obama continues to insist that he passed obamacare in its current form because he wanted a system that would appeal to both sides of the political argument and that he didn’t want to cause more division in the country. still the argument rages on. if you liked my video, then please like, share and subscribe. thanks for watching.

obamacare legislation

i greet you in the love and the light of theinfinite creator. bill clinton says americans are �gettingkilled� by obamacare. by admintam. in a staggering moment of honesty caught ontape, former president bill clinton admits to a group of voters in michigan that obamacareis a complete disaster and is wreaking havoc on the middle-class and �small-businesspeople.� per the video published by the ny post, clinton says that obamacare is finefor those who are eligible for subsidies but admits that that hardworking �people whoare out there busting it, sometimes 60 hours a week, wind up with their premiums doubledand their coverage cut in half and it�s

the craziest thing in the world.� �you�ve got this crazy system where allof a sudden 25 million more people have health care, and then the people who are out therebusting it, sometimes 60 hours a week, wind up with their premiums doubled and their coveragecut in half and it�s the craziest thing in the world. �on the other hand, the current system worksfine if you�re eligible for medicaid, if you�re a lower-income working person. if you�re already on medicare or if youget enough subsidies on a modest income that you can afford your health care.

�but the people getting killed in this dealare the small-business people and individuals who make just a little bit too much to getany of these subsidies.� per the hill, the comments from bill comeat an awkward time as obama is set to deliver a �major speech� in florida touting theastounding success of obamacare. moreover, the comments seemingly contradicthillary on the issue as she has largely embraced obamacare on the campaign trail while suggestingthat small modifications may be needed to �fix� certain components of the legislation. if you listen to the madness long enough,every once in a while the talking heads will slip and actually speak the truth.

though, as always, we�re sure bill willbe pulled off the campaign trail, in short order, and reprimanded for his moment of honestybefore being re-released into the wild with new talking points singing the praises ofobamacare�s many �achievements.�

obamacare house vote

hello friends,this is congressman patrick mchenry coming to you from my office. i'm heading over tothe house floor now to join my colleagues in taking a major step in keeping our pledgeto america. by voting to repeal obama's job-destroying health care law, obamacare as we well knowis a budget buster, costing billions of dollars in higher, new taxes while at the same timeadding to the national debt. just yesterday president obama spoke out against this anti-business,burdensome federal regulations that plague our federal government, however this healthcarebill would create over ten thousand pages of new regulations, should it be fully implemented.i challenge him to join with us in the house of representatives in listening to the americanpeople and support the repeal and replacement

of this law with common sense reforms thatactually lower the healthcare costs. simply put, this law costs too much and adds to theeconomic uncertainty facing our nation's job creators. new taxes to the tune of 570 billiondollars and a new employer mandate will only make things worse for small businesses. congressneeds to be in the business of eliminating barriers to job creation not adding to them.thank you for the opportunity to work for you, and thank you for the opportunity tovote to repeal obamacare. thanks so much and god bless.

obamacare healthcare plans

good morning hank, it's tuesday. i want totalk today about why healthcare costs in the united states are so phenomenally, fascinatinglyexpensive, but first i have to blow your mind: alright, so you've probably heard that thereason that people enjoy "free" healthcare in australia and the uk and canada, etc, etcis that they pay higher taxes. that money then goes into a big pot and is used to payfor people's healthcare, but in fact, in the us, we spend more tax money per capita onhealthcare than germany, australia, the uk, or canada. that's right hank: you pay more in taxes forhealthcare than you would if you were british, and in exchange for those taxes, you get nohealthcare.

in fact, only about 28% of americans get theirhealth insurance through government funded programs, mostly poor people, old people,and congresspeople. but as you can see in this graph our private healthcare spending(most americans are privately insured through their employers) is way higher than anywhereelse in the world. in total, the us currently spends about 18% of its gross domestic product on healthcare costs. australia by comparison? 9%. why is this? well because everything costsmore, which seems obvious, but apparently isn't, because every article you read is like"oh it's because of malpractice insurance" or "it's because we're obese" or we go tothe doctor too much or people are prescribed

too many medications. well, not really. it's because everything costs more. a hipreplacement in belgium costs $13,000. in the us it's often over $100,000. colonoscopiesaverage over $1100 a piece in the us; in switzerland they're $655. and on average a month of thedrug lipitor will cost you $124 if you live in the us. if you live in new zealand? $7. now we are also—not to brag—richer thanall of these countries, so it makes sense that we should spend a little more on healthcare.but we don't spend a little more. we spend a ton more. and vitally, we don't get anythingfor that money, which means we are essentially paying people to dig holes and then fill thoseholes back up. like we don't live longer—in

fact we're 33rd in life expectancy—and ineverything from asthma to cancer, according to one recent nonpartisan study, american healthcareoutcomes are "not notably superior." so why are we spending all of this money fornothing? well first, let's discuss some of the problems that are not actually problems. for instance, the problem is not so-called"overutilization:" the idea that americans go to the doctor more and get more tests andspend more time in hospitals. we know this because americans actually go to the doctorless than europeans and spend much less time in hospitals, although to be fair, you canstay in a dutch hospital for seven nights for what it costs to stay in an american hospitalfor one night, so no wonder we're hesitant.

also it is not because we're sicker than otherpeople. everyone likes to blame obesity on our rising healthcare costs, but yeah, no.that argument is just not supported by data. for one thing, disease prevalence does notaffect healthcare costs that much. and for another thing, while we do have more obesityin the united states, which sometimes leads to health problems, we have fewer smokersand less alcohol consumption (really? apparently yes). so that saves us a little money, andif you compare us to like the british or the french, in the end it's probably a wash. hank, the truth, as usual, is complex. like,there are obvious inefficiencies in our healthcare system. for instance, not everyone has insurance.if you don't have insurance, you still get

healthcare, but you're responsible for payingfor that healthcare, which often you can't do, so you end up going bankrupt. that sucksfor you, obviously, because you're bankrupt, but it also sucks for the rest of us becausewe have to pay not only for your care, but also for all the money the hospital spenttrying to get you to pay for your care. also the only options available to uninsured peopleare usually the most expensive options, like emergency rooms, which is just bananas. but thoseinefficiencies are hard to measure. fortunately, there are things we can measure. so like i said before, because the us is oneof the richest countries in the world, you would expect us to pay a little more for healthcarethan most people. the question is, when do

we pay more than you would expect us to pay,and that turns out to be pretty interesting. let's start with malpractice and so-called"defensive medicine." the idea here is that doctors are scared of huge malpractice suitsso they order a lot of unnecessary tests in order to, like, cover their butts. thatdoes contribute to our healthcare costs, like there are more mri and ct scans in the usthan anywhere else. however, there are a bunch of states like texas that have passed tortreform to limit malpractice suits, and in those states healthcare costs have droppedby an average of a whopping 0.1%. the biggest estimates for the total costs of defensivemedicine put it at around 55 billion dollars, which is a lot of money, but only 2% of our totalhealthcare costs.

another smallish factor: doctors (and to alesser extent, nurses) are paid more in the us than they are in other countries, and bymy possibly-faulty math we end up spending about 75 billion dollars more than you wouldexpect us to there. and then we have the cost of insurance andadministration costs, like paperwork and marketing and negotiating prices. that's about 90 billiondollars more than you would expect us to spend. we spend about $100 billion more than youwould expect on drugs, not so much because we take more of them, but because the oneswe take cost more per pill. okay, and now for the big one. i'm gonna lumpinpatient and outpatient care together, because in the us we do a lot of things as outpatientprocedures, like gallbladder surgeries, that

are often inpatient procedures in other hospitals.we're just gonna make a big ball [gestures]. that big ball is $500 billion more than whatyou would expect given the size of our economy. per year. why? because in the united states we do not negotiateas aggressively as other countries do with healthcare providers and drug manufacturersand medical device makers. so like in the uk the government goes out to all the peoplewho make artificial hips and says "one of you is going to get to make a crapton of fakehips for everybody who is covered by the nhs here in the united kingdom. but you bettermake sure your hips are safe, and you better make sure that they are cheap, because otherwisewe're going to give our business to a different

company." and then all the fake hip companiesare motivated to offer really low prices because it's a really huge contract. like think ifyour company got to put hips inside of everyone in england and scotland and walesand northern ireland (i guess not everyone. just the people who need hips). but in the us we don't have any of that centralizednegotiation, so we don't have as much leverage. the only big exception is medicare, the government-fundedhealthcare for old people, which, not coincidentally, always gets the lowest prices. so basically, hank, in the united states,providers charge whatever they think they can get away with, and they can get away witha lot, because it's really difficult to put

a price on, like, not dying. this is a phenomenoncalled "inelastic demand," like if you tell me that this drug will save my life costs$7 a month, i will pay you $7 a month for it. if you tell me that it costs $124 a month,i will find a way to find $124 a month to pay for it. you can't negotiate effectivelyon your own behalf for healthcare services because you need them. and not like you needa macbook air or the new season of sherlock, but actual, physical need (i guess it is likethe new season of sherlock). so basically, hank, until and unless we cannegotiate as effectively with the people providing healthcare as australians and british peopledo, us healthcare costs will continue to rise faster than anywhere else in the world andwe won't get better healthcare outcomes.

hank, i know this video is long, althoughit could have been much longer, but i am so tired of people offering up simple explanationsfor what's wrong with our healthcare system. they say "oh, it's malpractice," or "it'sdoctors who must also be businesspeople" or "it's insurance companies" or "it's insanerules for who can get insurance." it's drug companies, it's government bureaucracy, it'san inability to negotiate prices. yes, yes, yes, yes, and yes! it is all of those thingsand more! it is not a simple problem, there will not be a simple solution, but it is probablythe biggest single drag on the american economy and it's vital that we grapple with it meaningfullyinstead of just treating healthcare costs as political theatre.

so i hope i've at least introduced the complexityof the problem. i've put some thoroughly nonpartisan links in the doobly-doo for further reading.hank, welcome back to the united states. as you can see, everything is peachy here. i'llsee you on friday. friendly reminder, educational videos are allowed to be more than four minutes long. all of the people who are commenting about how punished i am did not watch to the end of the video.i feel dizzy.

obamacare health

[music] let's face it folks, the new health care reformlaw is com-plex. it runs about a 1,000 pages even in tiny print. so it's no surprise that very few americanshave actually read it. but it's about to affect all of us, and manyhave been wondering what it will mean for our health, our wallets and our country. let's say we take all 310 million americansand squish us down to just 25 people. yep, each of these folks would represent about12 million of us. and this is pretty much what we'd look like.

polls show about three out of ten of us sayhealth care reform will make us better off, a similar number say worse off, and a similarnumber again say it won't make much difference at all. some of us don't know what to think. i guessyou could say we're kinda split on this one. but no matter where you stand on the issue,it's likely you're thinking, "hello? i got some basic questions still unanswered here." and you deserve real answers, not the partisanrhetoric and spin we've been flooded with. so let's break down what the reform law doesand doesn't do and what it will cost. if you want to read the whole law, go ahead. butwatching this video is the next best thing.

ready to jump in? let's begin with the problems in our currenthealth care system. problem number one is, what problem number one usually is, money. most people agree that health insurance policiesare too expensive. for a family, the average premium is almost$14,000 dollars a year…and growing. premiums have doubled over the last nine years, ballooningway faster than inflation! plus, our population is aging, meaning morepeople with more health problems. so, health care costs are the fastest growing part ofthe federal budget. the second problem is that the system is fullof holes. like the fact that people buying

insurance on their own can be turned downfor having a pre-existing health condition. small businesses may be charged extra if someof the workers are sick, making insurance unaffordable. and some insurance policieshave a lifetime limit on benefits. after that, you're out of luck. that means some of the people least likelyto have coverage are the ones who need it most. nice, huh? high costs and holes in the system mean morethan one in seven of us have no health insurance to protect us at all. many more struggle to pay their bills andcan only afford bare minimum policies that

may not cover much. high costs to households, strain on the federalbudget and people with no protection. it's easy to see why many people were lookingfor something different. so here's what the health reform law plansto do in its first phase, between now and 2014. to start dealing with costs, insurers willbe limited in how they spend our premium dollars. if they use too much for administrative costsor profits, they'll be forced to give some of it back through rebates. this won't stoppremium increases, but it may help some. some services will become free in all newprivate insurance policies, and in medicare

-- preventive care like screenings and vaccinations.[baby crying] people on medicare, because they're over 65or disabled, will get more help with their drug costs. young people can save money and stay insuredby remaining on their parents' policies up to age 26. and some small businesses will get tax breaksto help them pay for health insurance for their workers. and the holes? well, some will be closed startingnow too. lifetime limits on health coverage will be gone, whether you buy insurance onyour own or get it from your employer.

and it will be illegal to turn kids down forhaving a pre-existing health condition, like asthma or diabetes. of course, some adults who buy insurance ontheir own will still be getting rejected between now and 2014. but those who do can enter somethingcalled a high-risk pool, run by the government. no, it's more like a policy that covers thesickest uninsured people, meaning it's riskier for insurance companies. that's why the governmentwill chip in some money to bring down the cost. some say these high-risk pools will help alot of people. others say these pools will still be too expensive, and may not have enoughgovernment money to stay in business until

they're replaced by something better, in phaseii. on new year's day 2014, some big changes kickin. [cheers] first, let's look at how the law makes healthcare more affordable. medicaid will be expanded to cover all low-incomeindividuals and families in every state. and depending on what you make, if you loseyour job or your employer doesn't provide decent coverage, you may get a health insurancetax credit. and while most of us will continue to gethealth insurance at work just like now, if you don't have that option, you'll be ableto buy coverage in what's called an "exchange." you'll be hearing a lot about them, so let'sstop and look at how they work.

an exchange is like a virtual insurance mega-mall.based on where you live, you'll get an easy-to-understand menu of options to compare plans in plainenglish. and the exchange makes sure insurance companies compete fairly under strict rules. the idea is that by giving consumers goodinformation, a fair playing field and access to lots of choices, competition among insurerswill keep rates competitive. now, onto plugging the holes. in 2014 insurerswill no longer be able to turn people down or charge them more if they're sick. you might say, hold on a minute, if i can'tbe turned down or charged more, why not just wait until i get sick or injured to buy insuranceat all?

not so fast buddy. see, with few exceptions,people will be required to have insurance or pay a special tax. same with larger businesses,who will pay fines if they don't insure their workers. of course, nobody likes being told they haveto buy anything. but without this rule, experts say you can't require that everyone be eligiblefor coverage. imagine telling home insurers they have to cover people whose houses arealready on fire! so the government will provide credits, expandedprograms and new rules. they say that by 2019, 32 million of us who don't have health insurancewill have it. some of those who will still be uninsured: undocumented immigrants, whoaren't eligible for coverage under the law.

no surprise, all this is going to cost money.938 billion dollars over the next ten years, according to the congressional budget office,the impartial referee when congress debates these kinds of things. it's a lot of money, sure, but if you lookat it another way, it's 2% of our federal budget, and 3% of what we'll be spending onhealth care overall. now, the president and congress insisted thesenew costs will be paid for so they don't push the budget deficit up any further. that meansmoney will come out of someone's pocket. that's where the tough politics come in. a lot of the savings will come from healthcare providers and insurers in the medicare

program. the fees the government pays to hospitalsunder medicare won't be allowed to rise as fast as they have been. and, insurance companies that provide servicesto people on medicare will be paid less. medicare will also create a bunch of experimentsaround the country to test different ways of paying doctors, hospitals and other providersto make the health care system more efficient, and improve the quality of care. with luck some of these experiments will work,and then be adopted by the private sector and help lower costs for employers and familiestoo.

plus, a new federal advisory board will makerecommendations about other ways to deal with increases in health care costs. some taxes will go up too. people with highearnings will pay higher medicare taxes. there will be new taxes on insurers and businesseswho offer high-end benefit plans, and on companies that make medical devices and drugs.and oh, anyone who visits a tanning salon now has to pay a new tax too. with these new cost-cutting measures and newtaxes, the congressional budget office says the whole package will actually reduce thefederal deficit over the next ten years. of course, the total federal deficit is expectedto run into the trillions, so the health reform

law isn't going to solve that problem. well, that's the reform law. do you love it,hate it, still don't know? either way, there's still a lot of work ahead.you'll be hearing lots of different things about this law. some people support reform,and if anything want to expand it and increase government oversight of insurers and the healthcare industry. others oppose it, and think it creates toobig a role for the government. some states have even gone to court claimingthe requirement that everyone buy insurance is unconstitutional. politicians and pundits will be talking toyou as if you've got no idea what's in that

thousand-page law. but by watching this, you're on your way togetting informed. and you can make sure your friends and familyare too, just by passing this little video around.

obamacare health plans

obamacare 2017

obamacare health insurance

who qualifies for an affordable care act exemption? the affordable care act requires most americans to have health insurance or pay a tax penalty. but, who qualifies for an exemption? members of certain religious groups opposed to insurance, federally recognized indian tribes, health care sharing ministries and those currently incarcerated are exempt, but you may also be exempt from the tax penalty if you're experiencing financial or life hardships. for example, you may be exempt if the lowest insurance premium available to you is more than eight percent of your household income, or if you're facing foreclosure, filing bankruptcy,

or your property was significantly damaged in a disaster. other situations may qualify you for an exemption, as well. you're automatically exempt if you don't have to file a federal income tax return because your income is too low. depending on the reason, you may claim your exemption in one of two ways: either apply for a certificate of exemption from the marketplace or simply claim the exemption on your tax return at the end of the year. most exemptions must be applied for through the marketplace. but, if you're applying based on coverage affordability,

membership in a health care sharing ministry, federally-recognized indian tribe or incarceration, you may claim the exemption on your federal tax return. still have questions about who qualifies for an affordable care act exemption? visit turbotax.com to learn more about the affordable care act and how it may affect your taxes.

obamacare health care

hey, everybody. it's me, ben. and today's question isspecific to the united states. how does the affordable careact work, and what does it do? although its full nameis the patient protection and affordable careact, you've probably heard it just calledthe affordable care act, or obamacare, or the aca. it's called obamacare becausepresident barack obama signed

it into law on march 23, 2010. but what does it actually do? let's look at the basics. health care in the united stateshas some serious long term issues. first, there are millionsof uninsured people. second, people whodo have insurance tend to pay morefor it than they would in othercomparable countries.

the aca aims to fix these issuesby making affordable health care available tomore americans. i mean, that's agood idea, right? to do this, the act makessome pretty big changes. but although the act makesome big changes to insurance, these changes phasein over time instead of happening all at once. a lot of things willalso stay the same. for example, if you already havehealth insurance that you're

happy with, you cankeep it under this law. and children under the age of 26can stay on their parents plan. if you already havemedicaid coverage, then you're goingto stay on that too. or you can if you wish. in fact, manystates are expanding medicaid to cover more people. so now, let's talkabout what's changing. there are several things.

first there's this thingcalled the individual mandate. most americans willbe required to have some form of health insurance. this is a sweeping change fora country with an estimated 30 million uninsured residents. but how do you enforcesomething like that? by 2014, everyonewithout health insurance will need to pay a small fee. during that year, for instance,the fee is going to be $95 per

adult, $47.50 per child. the maximum a familywill pay in 2014 is $285. now, those numbers are over thewhole year, not month by month. to make sure that people canfind affordable insurance, the aca creates what are calledhealth insurance marketplaces. these are virtual spaces runby the federal government, or by your state,where customers can see different plansand prices offered by insurance providers.

so ultimately, thismight allow you to qualify for lowerpremiums, depending on your income andyour family size. and regardless of whatkind of insurance you have, insurers will no longerbe able to deny or revoke coverage forpreexisting conditions. and women won't have to pay morethan men for insurance either. finally, right? insurance will alsocover preventative care.

so this would bestuff like mammograms, and checkups, andscreenings, and so on. then there's the 80/20 rule. insurers will generally berequired to spend at least 80% of the money theyget from premiums on-- wait for it--actual health care. if your insurer spendstoo much on overhead, then you're goingto receive a rebate. finally, the laws also requirecompanies to publicly justify

rate increases of over 10%. and they are banned fromimposing lifetime dollar limits on benefits. this act also affectsyour employer, whether you work for a largecompany or a smaller company. a smaller business, onewith less than 50 employees, can visit the small businesshealth options program, or-- get this-- shop. right?

a government loves an acronym--to compare and purchase affordable health plans. additionally, someof these businesses might be eligiblefor tax credits if they get coveragethrough shop. the rules are a littlebit different for bigger businesses. in 2015, they haveto make what's called an employer sharedresponsibility payment if they

don't provide insurance meetinga minimum value standard, or if one of theiremployees gets a better deal in the individualmarketplace. since states are implementingthe act in different ways, it's very importantfor you to check on the specific plansof your home state. so that's it. if you'd like to learn morespecifics about the affordable care act, check outwww.healthcare.gov

for more information. and hey, while you're online? you can always like this videoif you're into liking stuff. if you want to learn more abouteverything from light sabers to the speed of light, youcan subscribe to our videos. and if you want to see somemore videos like right now, and you're just thinking, iwant to see some more videos. then, we've got threeon the side over here. and we'll see you next time.

obamacare gop

a lot other republican establishment hasbeen trying to convince the tea party republicans hey you know what shocks the world this whole shutting thegovernment down to defund obamacare is a terrible idea its terriblyunpopular especially among independents your costseven more elections if i carro just rode a whole op-ed in the wall street journaljust about that he said the desire to striking obamacare ispraiseworthy but any strategy to repeal the way orreplace law must have a credible chance of succeeding oraffecting broad public opinion

positively the defunding strategy doesn't goingdown that road would strengthen the president well alienating independence it's anill-conceived tactic and republicans should reject itnow here's who robbed republicans reject instead car of its fascinating development so lot agrass roots are tired of karl rove in the big-money guys in the establishment the kick it out to require overnight out

well when this thing you guys beenleading apparatus of course ted cruz the most unbearable man in america sodexo's all times was a well we can dothis let's be vocal obamacare yeah i'm so smart alright well it turnsout maybe not so smart because he said this 11 quote that basically cause the entire politicallandscape to explode now i read you a quote ando will try todecipher its enormous importance quote senatemajority leader harry reid will no doubt try to strip the fun language

from the continuing resolution and rightnow he likely has the votes to do so at that point house republicans muststand firm hold their ground and continue to listen to the americanpeople now your rational person has beenfollowing this debate you understand though that is just aboutthe most normal thing that ted cruz's ever said and isactually true of course obviously the republicansdon't have enough votes this 54 lead democrats in the senate at least they're caucusingwith the democrats so

they're not gonna vote in favorrepealing the president's health care law buteverybody already knew that but ted cruz had been pretending to usebuddies in the republican party and the tea party always no thats we can do this and so the mere fact thathe acknowledged to reality has exploded the heads the tea partyknow how silly own dare you you think i'm exaggerating wayto you or the courts here we go senior gop aide we have eventaken up the bill & ted cruz is admittingdefeat and i a continuing same gop 8

some people came here to govern and makethings better for their constituents ted cruz came here to throw bombs andfundraise of attacks on fellow republicans he's out joke plain and simple anothergop aide cruises comments exposes house senateconservatives have deliberately misled theirconstituents and the grass roots for eight weeks this isn't leadership it uphawker sea now those very strong words some thesefolks might be people were mad at ted cruz for attacking fellow republicans inthe first place

so now there'd coming back and saying hiwe told you you didn't have the vote you should mock and you attacked us for that overand over again it turns out you're a joke but it's not just those guys and it'snot just another misstates listen to actual republican congressmanin the house here sean duffy house agrees to send so continue resolution to senate thatdefines obamacare senator ted cruz is there a mic werefuse to fight

wave the white flag and so right and ourtim griffin mother congressman from arizona so far senate republicans aregoing to getting facebook likes in town halls not much else do something damn he reserves in a trade rey del fromflorida rado he says she thanks for the support here'srepresentative phil roe my favor one here from tennessee i don't know how youcould say right now they're not votes

for it in the senate i don't understand that i would suggestthe senator speak to his colleagues and do what we're doing well congressmanroy explain it to you you see he finally count kid and realizethere are more democrats then republicans in the senate i have tospeak slow for republicans who are not good at math or anythingelse alright so we also have a lot arepublican senators who are not gonna go along with the charadeknowing that obviously the president is not going to

sign a bill that got his own plan is thefun zone health care program so they have nowhere near enough votes that had crews finally gets that nowhaving been attacks throughout the day he decidesthat he's gonna grab a shovel and dig a little deeper so here's whathe says right now senate majority leader harry does 54 democrats they presumablyare going to stand with them and a number of senate republicans haveexpressed that they may support the democrats here but pared that's what we've been tellingyou all along

and you with a gun to her head was goingruggelah i think we got away beds well yes what you know when to 100percent of whites you don't go let go well all right now you realize all damncard game in reality still exists massieu applies towas two equals four damn i wish i to follow that earlier sohe goes on to say we know that so certainly the presentobama harried are going to push back are going to fight to defend obamacarebut that's what we've been telling you know good just realize that as the houseabout the vote on your stupid ass plan

heard more ted cruz i think is likely. that it will take another election for afull repeal in other words we never had the boatsand i'm so stupid for thinking that we could possibly do this we can't do it so instead i'm sayingwait till 2014 then a like more republican senators and then maybe we could do 10 why didyou bring it up in the first place you schmuck whatever i but you're sosmart you the smothers mid-america go wrap upall i'm ted cruz

all i want to read in court doesn'tprint stern but i cannot out okay finally he says i salute to house republicans for theirfight on this the house of representatives were republicans have amajority the house has the drive this processwell that may be able even more angry because that's basically ted crusadesigning an annuity menomena senate the house was to do this is on them yepfiasco poor man i'm on your side kind of good luckanyway school present another round a big reports about that is awesome gopoperative quote

cruise officially jumped the shark thisweek see your house republican cruise is the leader of a secret cabalhave left this better ceded control of the conservativemovement i believe he's kidding but i'm notentirely positive for but he continues to save their aim is toforce a party to take on suicidal missions to destroy themovement from within you see again there's peoplewho'd been saying within the republican establishment all12 ted cruz hey you're not half as smart as you think you are notonly do you not have the votes

but you know whose independence in amajor way and in that election that you want to win in 2014you do help a lot more damage the republican party and you'll have less senators unlesscongressman next time around you have even less of a chance to defundobamacare whatever other crazy thing that you want to do so this is kinda the establishmentrepublicans say haha while the tea party republican-led house are furious thatted cruz is finally done the math and finally gop operative says he'sdoing for the house leaders

what they couldn't do for themselveshouse rank-and-file members are uniting with bainer kantor over tedcruz's idiotic position so the final piece ofirony there is it turns out he may be helping therepublicans at this late juncture in here by throwing in the towel and realizing theycan't do this so that the house leadership can turn around and tell thetea party guys hey guys listener me jackass ofourselves we've already done enough damage we'vegotta let this thing go

it turns out reality has a well-knownliberal bias and so does math

obamacare document

transcript:hi, everybody. if you’ve ever played a game of basketballin a gym, or entered a contest in school, or started a small business in your hometown,you know that competition is a good thing. it pushes us to do our best. and you know that a fight is fair only wheneverybody has a chance to win, when the playing field is level for everybody, and the rulesare clear and consistent. that’s important to our consumers, our workers,our employers, and our farmers. you deserve a fair shake, even though theremight be much bigger players in the market. without a truly competitive marketplace, thosebig companies can raise costs, or slack off

on offering good service, or keep their workers’wages too low. and in an era when large corporations oftenmerge to form even larger ones, our leaders have an even greater responsibility to lookout for us as consumers. to keep america’s economy growing and america’sbusinesses thriving, we need to protect the principle of fair competition. that’s not, by the way, a democratic ideaor a republican idea – it’s an american idea, because it’s the best way to makesure the best ideas rise to the top. my administration has done a lot to keep themarketplace fair. we defended a free, open, and accessible internetthat doesn’t let service providers pick

winners and losers. we cracked down on conflicts of interest bymaking sure professionals who give you retirement advice do so in your best interest, not intheirs. and in the last few months, we’ve made evenmore progress. this week, my department of agriculture tookmajor steps to protect farmers from unfair treatment by bigger processors. these rules will help swine, beef cattle,and especially poultry growers who have fewer choices in where they sell their products. this month, the fda started taking steps tomake hearing aids more affordable for more

than the nearly 30 million americans sufferingfrom the frustration of hearing loss. we think people with moderate hearing lossshould be able to buy a hearing aid over the counter as easily as you can buy reading glassesat your local pharmacy. this year we also addressed two other problemsthat keep workers and wages down: the overuse of non-compete agreements that hurt workersin the job market, and the unfair practices of companies that collude to set wages belowthe market rate. and we backed new steps, including a law ijust signed to fight robot scalpers that artificially drive up ticket prices, and a rule that requiresairlines to reimburse your baggage fees if your bags don’t make it to your destinationwhen you do.

finally, it’s this principle of competitionthat’s at the very heart of our health reform. in fact, it’s the reason we call it theaffordable care act; it makes insurance companies compete for your business, which is helpingmillions afford the care that helps them get and stay healthy. by the way, it’s open enrollment seasonright now. you can still sign up on healthcare.gov untiljanuary 31st and get covered for 2017. our free-market economy only works when there’scompetition. and competition only works when rules arein place to keep it fair and open and honest. whether you’re building the next big thingor just want to be treated right as a customer,

that’s good for you and good for the country. thanks everybody, and have a great weekend.

obamacare details

bill clinton was speaking inflint, michigan, and the issue of obamacare came up, and hesaid some curious things that were not in support of obamacarewhatsoever. >>the people getting killed inthis deal are small business people and individuals who makejust a little too much to get any of these subsidies. why? because they aren't organized, they don't have any marketingpower with insurance companies,

and they are getting whacked. soyou've got this crazy system where all of a sudden 25 millionmore people have healthcare, and then the people that are outthere busting it sometimes 60 hours a week wind up with theirpremiums doubled and their coverage cut in half. it's the craziest thing in theworld. >>what? what just happened?

bythe way, his criticism is not wrong, there are severe issueswith obamacare, which is something that came up quite abit during the primaries. bernie sanders was very clear about thefact that he wanted universal healthcare, he wanted to improveupon the healthcare system we have in place now because it'snot working for some people. there are good things that camealong with obamacare, but a lot of bad things as well if you askme.

including the fact that you are forced to buy privateinsurance. >>those are the same complaintswe had in the middle of the obamacare fight. we said thisthing is too right-wing, it makes us buy private insurance. in fact we know that because it was a right-wing idea from theheritage foundation, a right-wing conservative think tank, it wasinstituted in massachusetts by

mitt romney. these are the falsechoices we have, you go with mitt romney or barack obama,romneycare or obamacare, those choices. the same thing. if youare protesting obamacare on those grounds, i hear you. but ithink bill clinton even if we are taking it from a progressivestandpoint, although i don't

think that's where he came from,went too far. talking about doubling rates, that's not true. >>didn't some people have theirpremiums double? i don't know if you can find one or two cases ofthat, but en masse it was not doubled. but before obamacare,prices were also going up. i

think if obamacare had a publicoption they could've contained some cost issues, instead itdidn't. what is amazing about this story though is that hewould say this in the middle of a presidential run, just a littleover 30 days left, his wife is running for president, his wifebacks obamacare 100%, president obama is set to give a speechtomorrow in florida defending obamacare. >>drahms. >>and bill clinton undercutsboth barack obama and his

own wife running for president,that's a crazy thing to say in the middle of the campaign. >>i know what is happening,bill clinton is secretly a trumpet supporter. >>there are three possibilitiesas to why he says this. bill clinton is not coming from aprogressive perspective, he doesn't back a public option. possibility number one is bill

clinton is a pretty conservativeguy, that's why a lot of progressives didn't like him aspresident. he ended welfare, he increased the prison industrialcomplex, a lot of people weren't in favor of that, i get it. hedidn't have to, he deregulated the banks, that was hideouslyconservative. the simplest idea is he is attacking obamacarelike conservatives would because

he's largely conservative. center-right. not crazy right, but center-right. the secondtheory is he's losing it. this theory is out there, i'm not theone who came up with it. that's why they don't have him on thecampaign trail so much.

you think bill clinton, he should beon the trail nonstop. wasn't he one of the greatest americanpoliticians, certainly of our lifetimes? whether or not youagree with him he knew how to appeal to the american people,progressives and conservatives at the same time, but he's noton the campaign trail as much as you would expect because he is aloose cannon.

is it because of age, etc.? we don't know. ithink the third theory is the best one, which is that he hassuch a gigantic ego, he can't help himself. so when he is outthere, he wants to undercut obama because in his mind, i wasa better president, i was a better president.

there is alsoanother theory out there talked about not on air often butdefinitely behind the scenes that he's ambivalent abouthillary clinton's run. like, i'm the guy who made it, i'm the onewho was president, i'm the one who got everything. now you are playing poppsychology, i get it. >>it's all speculation, let's beclear about that. i'm

uncomfortable with all of thosetheories, i don't know if any of them are true, the only thingthat i do know is true is that he said what he said, and what ifind so interesting is that hillary clinton's constant lineof attack against sanders was that he wanted to repealobamacare, which he did not want to do. he never said he wantedto, he simply said obamacare has significant flaws and we needuniversal healthcare. and that

was again a point of attack forhillary clinton. and i think it helps her to some extent in theprimaries, it helped her get votes. then you have yourhusband talking shit about obamacare, and not only that, inthe past hillary clinton herself was criticizing obamacare. that's the part that bothers me the most, the fakeness thathappened in the primaries, the

manipulation and lies thathappened in the primaries, now we are left with a situationwhere we have one republican candidate who is so hideous thatyou feel like you have to support the democratic candidatethat you are angry and upset about for being a liar andmanipulating people during the primaries. i don't know, that isthe part that drives me crazy. >>the bottom line, the clintonsget into office -- do you think they are going to make obamacaremore progressive?

that is not how it appears. you can say all you want about-- and i did -- about why bill clinton mighthave done this, but you can't argue if this ishis real opinion. it is, no question. he wouldn'tsay it if it wasn't his real opinion. his opinion is,obamacare is too progressive, i

would make it more conservative. he got in trouble for the same thing in 2013, he talked abouthow we need to turn to the republicans to help fixobamacare. they are conservative at their heart, they are notinsanely conservative like trump, but they arecenter-right. if some of you go that's it, i'm voting againstthe clintons, i get it.

but at the same time, center-right isterrible and that's why we fought it and will fight it, andi would be shocked if there were not a primary against hillaryclinton and i would be shocked if she didn't merit it in 2020. is it worse than insane right? no, it's not worse than insaneright, it's slightly better than insane right, or maybe a lotbetter than insane right. but it

doesn't make it correct, sothat's what i would encourage sanity, which is, don't lettrump win, but buyer beware on the clintons. it is not like theminute they get into office -- you know what the media will do,the media will yell at us and say you have to be fair to them,give them two or three or four years before you ever judgethem. i know what i'm getting, i've had 40 years, i know whatthe clintons are.

yes, we fight them on day one. but don't dowhat bill clinton is doing, which is fight them right now. he is undermining her own campaign and it's unbelievable.