7 More Ways Your ObamaCare Premiums Could Increase for 2015

7 More Ways Your ObamaCare Premium Could Increase for 2015

(Left) Rep. Dan Lipinski (D-IL Dist.3) is a supporter of ObamaCare
and has voted to keep ObamaCare over 10-times! Learn more here!

According to the American Action Forum, consumers who bought their health insurance through ObamaCare exchange sites are likely to see their premiums increase.

The main reasons why consumers may see an increase in their premiums is due to the fine print, specific regulations and data discrepancies in the exchanges.

This November, taxpayers will demonstrate their frustrations with ObamaCare by electing Republican leaders to Congress who will promote real health care reform by repealing this flawed and costly law.

Listed below are the seven possible scenarios in which your health care premium could increase according to American Action Forum:

1) Mismatched Data

• Depending on the information they provided to the exchange, some beneficiaries could be at risk of an increase in their monthly premium if they failed to submit additional information to CMS by September 30th.

2) Increase in Income

• Beneficiaries are required to report changes in income, family size, residence and a few other circumstances to the exchange within 60 days, and the exchange will then recalculate the amount of subsidy the individual or family is supposed to receive in light of their change in circumstance.

3) Another Family Member gets a Job

• The ACA requires that premium and subsidy amounts be determined by household income, rather than individual income.

4) Getting Married

• Depending on their respective incomes, the couple could see their premiums increase when their household size increases from one person to two.

5) Moving

• The ACA requires states to establish rating areas for the individual and small group market insurance inside and outside of the exchange according to the cost of health care in a particular region. So, if you move to a new city, county, state - your premiums could automatically go up just for moving to that new region.

6) Auto-Enrollment in 2015

• If a beneficiary’s plan is still available, but the premium increases by 10 percent, then the beneficiary will be responsible for that additional 10 percent increase out of pocket.

7) The Benchmark Plan Changes

• Since the benchmark plan is defined as the second cheapest silver plan available in the exchange, the introduction of a less-expensive silver QHP or the removal of the most affordable silver QHP could alter the appointed silver benchmark plan in an exchange.

Black Business Owners Decrease In Cook County Under Lipinski's Watch

Black Business Owners Decrease In Cook County Under Lipinski's Watch

Thanks to Charise, a black business woman who runs an upscale hair salon in LaGrange Illinois.  Charise is a business woman who is sick of the taxes and government red tape that is hampering her business from growing in the 3rd Congressional District in Illinois. 
Learn more about BLACK MALE UNEMPLOYMENT IN ILLINOIS read the article here!

According to the U.S. Census Bureau, black business owners in Cook County are amongst the highest in the nation.  "Among counties, Cook, Ill., had the most black-owned businesses, with 83,733, accounting for 4.4 percent of all the nation's black-owned businesses. Los Angeles followed with 59,680 (3.1 percent) and Kings, N.Y., with 52,705 businesses (2.7 percent)."

However, the St. Louis Dispatch reports that small business ownership in the African American community is increasingly hard to come by.  Their December 2013 report states that the SBA tried to raise the borrowing caps on the loans it guarantees to add more lenders to its program, but the growth of small business loans hasn’t been evenly distributed.  "In Illinois, the decline was just as stark; 669 loans totaling $56.6 million were made to black borrowers in 2007. In 2012, that number had dropped to 62 loans totaling $29.4 million. During the first 10 months of 2013, blacks received 32 SBA loans in the state."  They further report that that the "SBA has no initiative that specifically targets lending to minorities," and that "during the great recession, incomes dropped more for blacks than for other groups. Banks have tightened lending standards and are looking to lend to established businesses and entrepreneurs with greater wealth and stronger credit histories, ruling out many minority-owned firms."

Forbes, August 2013, reported: "According to a report by the Center for Women’s Business Research, Hispanic and African American women are the fastest growing entrepreneurial segments in the country growing at rates of 133.3% and 191.4% respectively from 1997 to 2007. Combined they represent more than two million of the roughly eight million women-owned businesses in the country and more than $14 billion in gross receipts. Further, African American and Hispanic women are three to five times more likely to start a business than their white counterparts.  For most minority women, the problem isn’t entrepreneurial appetite or the often-preached go-getter mentality; it’s sufficient financial and social capital resources to ‘lean on’."

"Dan Lipinski (D-IL Dist.3) has neglected the African American community in the Chicago-land area.  If elected to Congress, I will work with the SBA and try to foster new growth for entrepreneurs.  Small business is the back-bone of our nation and small businesses, like Charise's, need the opportunity to flourish and thereby create JOBS in our community.  Dan Lipinski isn't fighting for the small business community - African American or otherwise - so we need new leadership in the 3rd District, someone who understands the economy and how to produce JOBS.  We need to give entrepreneurs, of any kind, an avenue where red-tape is eliminated, request for licenses are fast-tracked, and, the barriers to create a business are slashed.  If you stand with me this November, together we can turn our economy around.  You know, 92% of African American teenagers in 2014 are unemployed in the Chicago-land area (as opposed to 83% across the United States) - this is the "Lipinski Economy."  In addition, an April 2014 report, by the National Urban League, states that the "underemployment rate for African-American workers was 20.5 percent."  We can do better in Illinois and across the nation.  Let's vote for a new growth in JOBS and the economy by supporting our campaign.  Give me a chance, I know I can do better for you!" -- Sharon Brannigan

Lipinski Continues His Misinformation Campaign Regarding ObamaCare and Abortions

Lipinski Continues His Misinformation Campaign Regarding ObamaCare and Abortions

Your taxpayer funded abortions under ObamaCare

Source: lipinski.house.gov/September 16, 2014:

Dan Lipinski: “Today, we learned that the GAO has identified 1,036 plans that pay for abortions and do not have a separate fund free of taxpayer dollars, making it absolutely clear that taxpayer funds are being used to pay for abortions under the ACA. This suggests the Administration is allowing health insurance companies to even ignore the accounting gimmick that they put into the law in order to gain support.”

Lipinski continues: “I voted against the ACA in part because of the inclusion of taxpayer funding for abortion. Now we see that provisions that were included in the law in regard to taxpayer funding of abortion and the promise of every American having the ability to purchase a plan on the exchange that didn’t cover abortion have not been implemented. All of this is completely unacceptable.”

 

Lipinski’s Misinformation Revealed:

CNS News reports (9/18/14): “Wednesday, Sept. 17, Congressman Dan Lipinski voted for the continuing resolution to fund the government, which includes funding for ObamaCare, and thereby abortion."  CNS continues: “Following a Capitol Hill press conference on Thursday, CNSNews.com asked House members, “Is it not true that members who voted for the CR, which fully funds implementation of Obamacare, voted to implement a program that funds abortion? Rep. Lipinski said, “Well, there’s a lot of issues dealt with in there, so we just continued the funding that was in place already…”

It’s a shame that Dan Lipinski even uses his official government web page to spew misinformation to the voters of the 3rd Congressional District. Dan Lipinski was in-fact a leader (in his own words), in bringing about ObamaCare (see image below), and in fact, he voted OVER 10-times to keep all of ObamaCare, including its language on abortion, hidden slush-funds, taxes, regulations, mandates and fees.

Dan Lipinski says one thing to his constituents and does another when voting in Congress. Maybe this is why Crain’s Chicago Business News labeled him a flip-flop representative.

See Dan Lipinski’s votes “in support” of ObamaCare (which includes abortions) below:

• H.R.3630 “Middle Class Tax Relief and Job Creation Act” – Lipinski “No”
• H.R.2 “Repeal ObamaCare” – Lipinski “No”
• H.R. 5 “Repeal The Independent Payment Advisory Board” (aka The ObamaCare Death Panel Board) – Lipinski “No”
• H.R. 3350 “Keep Your Health Plan Act of 2013” – Lipinski “No”
• H.R.6079 “Repeal ObamaCare” – Lipinski “No”
• H.R. 1255 “Government Shutdown Prevention Act” (included several amendments to ‘severely limit’ implementation of ObamaCare) – Lipinski “No”
• H.Cont.Res.34 (Part of Budget for 2012-2013 – included amendments to Repeal and Defund ObamaCare) – Lipinski “No”
• H.R. 1213 “To Repeal Mandatory Funding Provided to the States to Establish Exchanges” (was to eliminate the ability of the secretary of Health and Human Services “to have an unlimited tap on the U.S. Treasury related to government mandated health insurance exchanges.”) – Lipinski “No”
• H.R.45 “To Repeal the PPACA” – Lipinski “No”
• H.R.3362 (Transparency) “Exchange Information Disclosure Act” (To require the Obama Administration to provide weekly reporting on “key metrics” to lawmakers and state officials – 33 Democrats voted “for” this bill.) – Lipinski “No”
• H.R. 2009 “Keep IRS Out of ObamaCare” – Lipinski “No”
• September 2013 “Delay ObamaCare” – Lipinski “No”
• September 2013 “Repeal Medical Device Tax” – Lipinski “No”
• H.R. 1217 “Repeal ObamaCare Slush-Fund” – Lipinski “No”

** What is the ObamaCare H.R.1217 Slush-Fund? Section 4002 of PPACA establishes a Prevention and Public Health Fund, which bill, H.R. 1217, could have repealed. The PPACA section authorizes the appropriation of (i.e. it takes) and appropriates (deposits) to this new fund – taking it out of the U.S. Treasury, in the following amounts:
$500 million for FY 2010
$750 million for FY11
$1 billion for FY12
$1.25 billion for FY13
$1.5 billion for FY14
and for FY15 and every fiscal year thereafter, $2 billion.
This is a Lipinski Approved ObamaCare “slush fund” from which the Secretary of H.H.S. can spend this money FUNDING ANYTHING without any congressional oversight or approval.

Learn more on Dan Lipinski and ObamaCare at:

http://www.branniganforcongress.com/lipinski/



Dan Lipinski Votes "No" To Protect The Borders And Support Our Border Troops

LIPINSKI VOTES NO TO PROTECT THE BORDERS 

AND SUPPORT OUR BORDER TROOPS 

On the week of 8/1/14, Congressman Dan Lipinski (IL-3) released the following statement after voting AGAINST the Emergency Border Security Supplemental Appropriations Act. This Appropriations Act allocated $694 million for increasing the security of the US-Mexico Border. Lipinski’s statement was as follows:

"Following approval of the House Republicans’ border bill tonight, they approved a related piece of legislation, H.R. 5272, designed to keep the President from taking executive action on deportations. While I do not support further unilateral action by the President on immigration, this bill was too vague to support. So to signal my position on this issue, I voted present."

However, here are some of the details of this border bill which Lipinski fails to mention: 

“Our plan reallocates $694 million to secure the border, provide emergency care, and prevent future arrivals,” House Republican Conference Chair Cathy McMorris Rodgers (R-WA) said after the vote. “This will ensure that children are reunited with families in their home countries. Our solution addresses the problem humanely, effectively, and expeditiously. The crisis at the border demands our attention. It demands our action. And it demands our immediate and unwavering leadership.” Included in this bill was $35 million to assist Texas in their costs for additional National Guard to secure our borders as assist with humanitarian efforts.

So in all, Lipinski votes "NO" to $694 million in aid. He failed to vote “for” humanitarian aid and border security, and, he voted "PRESENT" to stopping the President from taking actions, on his own authority, regardless of existing laws and congressional approval. No aid, no border security, no border troops… Why doesn’t Lipinski care about our southern borders?

"There is a crisis that still exists at our southern borders and particularly in Texas. Thousands of illegal aliens are crossing the border and Lipinski can't even be bothered to spend $694 million to assist this crisis? What is $694 million not enough? And his "PRESENT" vote did nothing more than let people know he was breathing! Is that a Representative with "character?" At times of crisis, we need some sort of action to help secure our borders and assist in the humanitarian efforts in Texas. Further supplemental bills may be proposed in the future, if needed. So, what's wrong with $694 million... really, Mr. Lipinski?

Lipinski acts as if there’s all the time in the world, that no crisis exists, so he feels he has the time to vote down emergency measures – this couldn’t be further from the truth! It's the real world and our American citizens needed some sort of immediate support in Texas (and across our southern border states). Lipinski's "no" and "present" votes helped no one whatsoever - not in the slightest fashion. He grants no humanitarian aid to immigrants, and more importantly, none to our own Americans! What Lipinski is saying with this vote is: "Sorry border control agents and citizens of Texas, I can't help you because I’m waiting for a perfect bill that has everything I want and since I can’t get it, you’re on your own!” One can sum-up Lipinski's term in office, and that is... PRESENT." -- Sharon Brannigan

$20-BILLION! SMALL BUSINESSES: YOU DIDN'T USE IT, SO NOW YOU LOOSE IT!

$20-BILLION! SMALL BUSINESSES: 

 YOU DIDN'T USE IT, SO NOW YOU LOOSE IT!

SMALL BUSINESSES you're loosing again under Lipinski Approved ObamaCare! It started in 2013 and has been estimated to carry forward until 2021. What are we talking about? Answer. Any assistance in setting up insurance for you and your employees have been reduced by $20-Billion!

OFFICIAL TEXT OF THE CONGRESSIONAL BUDGET OFFICE

"The combined effects of those changes over the 2012–2021 period are these: "...A decrease of $20 billion in the cost of tax credits for small employers." (Source: C.B.O. Report 'Updated Estimates for the Insurance Coverage Provisions of the Affordable Care Act,' March 2012, Page 6)."

"In the current estimates, CBO and JCT reduced the projected cost of small business tax credits to reflect preliminary tax data showing that small businesses have been slower to take advantage of the credits than originally estimated (Source: C.B.O. Report, Page 8)."

Small businesses you have to understand that this Lipinski supported Obama Administration moves fast. The Galen Institute, a non-profit health and tax policy research organization, as of May of 2014, reported that 41 (that's forty-one) significant changes to ObamaCare have taken place (23 of them unilaterally – i.e. that is changes without Congressional action or approval). The Lipinski supported Obama Administration has, and will continue to use, unconstitutional “executive power” to unilaterally change ObamaCare, and thereby affect how your business adapts to it, at any moment or time. This is definitely unhealthy for your business and the economy!

“The writing is on the wall for the unintended consequences of Obamacare. Small businesses, like mine, will become a thing of the past. Oh, it won't happen entirely overnight, but it will be with great rapidity. Only you can stop the unintended consequences and elect people willing to stand up and dismantle the largest destruction of the foundation of our country, otherwise known as ObamaCare.” -– Sharon Brannigan.

Remember the business exchange for employers is scheduled to open in November 2014. Unfortunately, you may need a full-time employee, or an attorney, to keep tabs on the ever-increasing changes that Lipinski has allowed the President to perform on this monstrous program. Small Business Owners, you wouldn't have to be dealing with these issues, but for DanLipinski voting to keep ObamaCare over 10 TIMES. Isn't it time to get back to focusing on your business? If you choose to elect a pro-business and pro-jobs candidate, like Sharon Brannigan, you can do just that!