Gerri and act on story tonight, it would be helpful for users guide to obamacare if we knew how these changes are doing, how many people applying. Theyre not answering the question, health and Human Services sector the health care. 7 million visitors. People are excited. Some numbers on how many people actually getting yearold. They dont expect that until next month. That is according to one government official. With more on this, of fellow. I could barely get that out because im so angry. Let me tell you now were being told were not giving in numbers well, the high the numbers. Is now the one deceit. That is what we saw with the premium rate. Didnt tell a story that there really wanted to. They spotted to say that the premiums are lower than the projected. Gerri the out of pocket costs will be astonishing. People get on. But they find is that theres jacket how much theyre expected to pay. You have to help me your. How is it possible that this is a program that were paying for, targeted at us. We are not getting information shouldnt this be more transparent . Absolutely. The Obama Administration has portrayed themselves as having a command. About six of them have released some data that is definitely not encouraging. Gerri a solid teeseven north carolina. Blue cross blue shield as a roving 71 person. That is unbelievable. Emphasizing. Gerri exactly. Some other states that were talking about, then me tell you a lesson of the numbers we found that just aint right. In california they have 5 Million People signed up. The l. A. Times revealing for the first time its more like 645,000. How do you make that kind of mistake . Only six under some of thousand that visited. We dont know of any signed up. We dont know. Million people visited the site. Usable. And ultimately do you think a lot of people will buy obamacare insurance . They can add more processing power. There are a lot of glitches. The question of whether people watching and roll is a different story. The sickles of mineral, the yen might not. We will probably get more data at the end of next march. Its a big question. Gerri the cost is high. Is cheaper just to pay the fine of 95 in 2014. Instead of going in paying Something Like 3. 30 a month for coverage cut years so we saw this week, error messages, some of the sites, the data that people and put it, some of the site crashed totally and could not get backed up. Do you think that First Experience is so bad that some people just wont come back . Sure. If you go to any website the first day when it launches youre going to be turned off. You will be coming back for a long time. Gerri the devil is in the details. Thank you for coming on. Really appreciated. Well, the opening of the Obamacare Health exchanges has coincided with the open enrollment for the private plans offered by employers take you for coming on the show. Appreciate your time. Will we just be paying more, as usual . Employers and employees because of only is the requirement for employees, but there will be a lot more choices that they will have to make as employers also decide how theyre going to proceed and go forward and make decisions about what to cover. Share that cost of the employees. A health care benefit. The cost for premiums will go up. Employees typically pay a 21 of that which means he will be paying 2300 for premiums, 2400 a pocket. Thats a lot of money. He think that some of this is moving higher because of obamacare . Well, certainly the cost of health care continues to go up year after year. The coast clearly has not taken effect yet the reason many of those things came from the prior administration. Were seeing now is as we look to cost theyre going out. How you get your help what coverage. Gerri we are just focusing on the open enrollment. The plans that are offered by companies, they use space relief for Health Insurance coverage in this country that was established after world war two, companies deciding its part of the package. It will help people out to offer health care coverage. Another thing that a lot of people are predicting is that the consumer driven plans to buy that is what the experts call the the largest high deductible plan spivvy cheaper plans. You pay more. More of that are offered. Do you expect that as well . That has been a trend that really predates the avoidable care act, and we expect that to continue. This is where an employee actually chooses a plan where it may cost less but they encourage greater deductible. They have the opportunity to employ things like gold savings accounts to be able to offset that. I think that will continue, especially as easy the specs and costs go up those are. They will become more attractive because of those costs. Gerri you get to set aside money tax free at of your paycheck. Another thing that is happening out there, the penalties and rewards for people who rewards for people who do the right thing. Penalties for people who are overweight. We will see more of that kind of thing as employers try to encourage you jab the right kind of behavior. Will we see more of that this year and Employee Benefit packages . We will see more of it in 2014, an increase again in 2015. Wellness is something that large employers for much of the last decade beverly try to look at, investigate, and determine if they could get a return of the investment. It is starting to appear, the data supporting that. As employers specifically look to control cost that is an area where they can do that and it is generally acceptable, if you will. So they are embracing that. We will see much more of that and look to see that in all areas. Look to see that of in government sponsored health care. Gerri and not surprised we are not even talking about here, the mandate for companies to have to get ready for obamacare, may has been delayed a year. Tommy of that is impacting the plans that we will see this year that is the big, as you said, elephant in a room. The individual mandate is still enforced. The requirements, employees numbering 50 offer coverage of does not go into effect until two dozen 15th. That said well still see some of the chefs who would have seen any like the reid will start to see is more plans that share the risk with employees. You will also see more offerings another thing you will see is more employers start to do things like walgreens did and sears and others were they start to utilize mechanisms like private exchanges to deal to provide choice with the effort to try to drive down the ultimate costs and allowing employees to choose things that might cost of them and the employer less. Gerri one question before i go. Do you see over time that there will be major changes to employer based insurance . Read they going to become less and less robust, less and less generous . I think that depends on the employer. When we try to paint this with a single brush it is difficult. Depends on the type of employee. If you are an employee in a Competitive Industry where it is recruitment and retention is key, i think you will start to see benefits will still be part of the package. If you are in an industry where employees are more transitional and less competition, i think you will start to see an attrition of benefit spivvy it really depends on what industry, where you are in the power that the employee has. Gerri thank you for coming on. 3 a lot of people have lost track of the private plans because there has been so much attention on obamacare. Thank you. Thank you. Gerri or users guide to obamacare continues with a look at how this massive new entitlement is impacting peoples work ethic. Yes. There is difference. Sears all of the country lori that the medicare may be at risk because of obamacare pier really separate fact from fiction coming up. [ villain ] well mr. Baldwin. It appears our journey has come to a delightful end. Then i better use the capital one purchase eraser to redeem my venture miles for this trip. Purchase eraser . Its the easy way to erase any recent travel expense. I just pick a charge, like my flight with a few taps, its taken care of. Impressive baldwin. Does it work for hotels . Absolutely thank goodness. Mrs. Villain and i are planning our. You scare me. And i like it. Lets go whats in your wallet . Gerri everybody is asking me in emails and tweets him worried about obamacare and what it means for seniors. But for the next chapter we are getting into what the law means for medicare and is seniors did depend on that. With more on this, an ad tech, scholar at the cato institute. Thank you for coming on the show. People are coming to me and saying memorial have access to my doctor. Emery the some of my services, cutbank be damn sure your hearing these questions to. What you telling people . What should they know about obamacare is impact on medicare . It has been happening for a while. It is getting exhilarated with the impact of obamacare. What is happening is in order to pay for the cost of obamacare, particularly the subsidies that are going to people, the lower income groups in the private exchanges, medicare is being cut substantially particularly for reimbursing providers. Doctors and other Health Care Providers or to substantially curtail the number of patients they will see. More and more people are already starting to see the phenomenon being told by their doctor their no longer taking medicare. For a lot of seniors in will have to do more ranting and traveling over the next few years. Gerri staff equipment aad services. You have other ways, you understand other ways as seniors are being impacted. Lets talk about medicare vantage. Highly popular. Bending the cost curve, but now it is under saw why. Medicare advantages and very popular. A privatized version of medicare you go through a private insurance company. There are a lot of benefits and extra chores is. But this is the plan is to be phased out. So it will start first with market decreases in the a lot of money paid to the private Insurance Companies that administer medicare advantage. Over the next few years to disappear. That choice that is so popular is going to be disappearing. Simi the most ominous thing on the horizon for seniors is the fact that the independent womens Advisory Board is supposed to start kicking in to your. Gerri why is that bad news . This is a panel. Collecting all the data. And then decide what types of procedures and services are to be costeffective as allocations of scarce resources that medicare has been read and what theyre going to do is indirectly ration care, not directly. Theyre not going to say, for example, if you are 70 years older overhit you cant have a tony operation. What they will do is save, using the tunnel the example, if they dont want people over 70 years old to have a total the operation, support allocation of resources if. They recommend that the payment will be so dramatically decreased that it will discourage any providers from wanting to do it. And therefore the providers will be the ones that will be doing the rationing. Politically and makes sense. It all have to worry about the bad guy. We never told you cant do without them. Gerri the private market. Nonexistent. We have talked a lot about this independent payment Advisory Board and its role. Really has the last harbor what gets covered. People are worried about it. You have to come back. We have more to talk about. Appreciate having you on the show. Thank you so much. We hope to see you soon. Thank you. Gerri now we want to know what you think. Heres our question. He think obamacare will have medicare . Log on to a vote on the right inside of the screen noshow the results of the end of the show. Coming up on more, the latest and the government shut down from capitol hill where things are getting personal. Obamacare is a massive new entitlement will usher in an you give me class. How its hurting our nations work at the coming up. So ally bank really has no hidden fees on savings accounts . No hidden fees. Its just that im worried about you know hidden things. Ok, whys that . Well uhhh. Hey daddy, whats your job . Daddys a uhh florist. Are you really a florist . Dad, why are there shovels in the trunk . Theres no shovels in my trunk. I see shovels. You dont see no shovels. Just am. Well, its true. At ally there are no hidden fees. Not one. Thats ni. No hidden fees, no worries. Ally bank. Your money needs an ally. Help the gulf when we made recover and learn the gulf, bp from what happened so we could be a better, safer energy company. I can tell you safety is at the heart of everything we do. Weve added cuttingedge technology, like a new deepwater well cap and a stateoftheart monitoring center, whe experts watch over all drilling activity twentyfourseven. And were sharing what weve learned, so we can all produce energy more safely. Our commitment has never been stronger. Gerri coming up, running your work ethic. Another unintended consequence of this law in 60 seconds. Dont go away. Gerri is obamacare wrecking this countrys work ethic . I next guest says by redistributing this new federal help, there is no longer reward for working. You with more, a professor of economics of the university of chicago and the author of the redistribution recession. Welcome to the show. Great to have you here. Tell us what you mean that obamacare is the second redistribution of wealth. Well, until last in years, another set of programs called stimulus programs. Not a good name. They pushed resources, give resources and help to people who have low incomes, people without jobs. And that tended to make being without a job and having low income a little bit less painful than it normally is. Gerri here during that time to now. A lot of the programs have disappeared and we ran into them. About as much. Two is a good estimate, starting in january with the bunch of programs in the obamacare package. Gerri he did some announcements on marginal tax rates as a result of that. Talk about your findings. This is interesting stuff. More taxes and taking home less of what to make. Well, there is a whole package there, extra taxes on people. There are benefits that are withheld when people work, especially of their work in a job with Health Insurance, benefits that are withheld as peoples unscom incos rise. The politician ever calls the tax, but it is an implicit tax. The more successful they are the more well back. Finally theres a set of penalties on employers. If you hire people, you retain the my apparel. We will penalize you and make you pay a fine. All that together looks like really what an economist with tax which means there are more resources for people who dont work, more resources for people of lowincome and less of a reward for pulling yourself fun of the situations. Gerri in your oped that ran in the wall street journal, you said something about a 50 . And once you go, once it is more than half your income we tell you, its harder to get up in the morning. Its hard to earn extra dollop. Why you are earning an extra dollar, 0. 50 to the government cannot tell us about those findings. Family situations are unique. People live in different parts of the country. A lot of situations, but i looked at an average, and on average before this first stimulus and before the new Health Care Law people 60 and paid about 40 to the government and will where another. With all these new programs, including obamacare, by 2015, little over a year from now on average will be a to 50 . And thats just an average. There will be people and 70, 80, 90, 100 percent and other people or below that 50 number. The main thing is everyone is going to be giving a little bit more to the government and the work. Gerri and i dont think it is really difficult for people to see. There is no number, no metric. The government does not measure how disgruntled taxpayers are. There is no gdp for taxpayers. It is hard to measure how of said people are about it. It does impact behavior. It will lead to people doing more parttime work all employers asking the people to do more parttime work. Unemployment spells will last longer. Son of a labour force will last longer. There will be some earlyretirement. It will take longer for young people to make the transition from school to the best series attachment to the job. You will see it in other dimensions. A smaller economy, weaker economy, and a smaller labour force. Gerri thank you for coming on. Testing stuff. We appreciate your time. Thank you. Gerri tomorrow we wrap up our users guide to obamacare by devoting the entire hour of the willis report to answering your questions. You can call us. Phone calls, emails, three dust. You name it. Get in touch with us. A panel of experts, expert doctors, people whod read the bills to answer those questions. Be sure to join us tomorrow. Coming at just before going into recess today, the house passing piecemeal funding bills. The latest on the shutdown. One more thing to worry about when it comes to your health care, but hospitals are not telling you. Those details coming up. Copd makes it hard to breathe. But with advair, im breathing better. So now i can help make this a great block party. [ male announce ] advair is clinically proven to help significantly improve lung function. Unlike most copd medications, advair contains both an antiinflammatory and a longacting bronchodilator working together to help improve your lung function all day. Advair wont replace fastacting inhalers for sudden symptoms and should not bused more than twice a day. People with copd taking advair may have a higher chance of pneumonia. Advair may incrse your risk of osteoporosis some eye prlems. Tell your doctor if you have a heart condition or high Blood Pressure before taking advair. Ask your doctor if including advair could help improve your lung function. [ male announcer ] Advair Diskus fluticasone propionate and salmeterol inhalation powder. Get your first prescption free and save on refills at advaircopd. Com. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. How old is the oldest person youve known . We gave people a sticker and had them show us. We learned a lot of us have known someone whos lived well into their 90s. And thats a great thing. But even though were living longer, one thing that hasnt changed much is the official retirement age. The question is how do you make sure you have the money you need to enjoy all of these years. Gerri there is a lot of hospitals are not telling you from who gets to look get your medical records so how do get them to tell you the truth about your state. From the university of north carolina, dr. Campbell welcome back to the show. Heres the deal apparently 98 to hospitals hide mistakes a and some of these could kill you. How you know, if theyre holding Something Back . What can you do . Thaw this is a real opportunity to warn everyone to engage in their own health care to advocate for yourself be addressed via lead to a trustee and the interworking so the system to make sure what is being done to you when you were there. Gerri no doubt you see the cardiologists mistake. There are often medication errors that occur where a patient gets the wrong test they are not common but they do occur but with this era of obamacare we may see more because all nursing staff are doing more with less including doctors and hospitals becoming more of a problem. Gerri patient privacy. We had an expert that talks about the things you have to share it too has access. Doctors, hospitals, retail pharmacies, your employer and Marketing Companies everybody gets a piece of the action with your health care data. What can you do to keep their private . Major every form that the hospital asks you to sign that you carefully read and understand what you sign away and who you allow privileged medical information to be seen by. Certain your doctors and nurses but we are bound by federal privacy laws that we cannot talk about your medical care from hippa. It is tough to get through. Isnt it better that i say i dont want the information to outside the hospital . You can try to talk with a Hospital Administrator the side that you can request to come see you but you are exactly right in the title of oldest they are complex and complicated and not everybody is a lawyer and can understand. Gerri i dont thank you should sign them the disclosure forms by 80 minutes on average . What if you are really ill and you need somebody to come right away for pain medication . Maybe if you need help . Eighteen minutes seems like a long time. It is. It is not the fault of the nursing staff but the staffing of the floor itself because with obamacare the us reimbursement, less funding means less staff theyre asking people to work much harder to do the same job and care will suffer. Gerri you had a fact on dirty hospitals one at a 20 develop infections but you said ask a doctor before that he will touch your agency made you. They dont like to be told anything. That takes cajon as. As a physician i respect a patient that is engaged in their own health care. If we prevent hospital infections you will do better. Gerri i hope everybody is like you. Thank you. We appreciate your time. President obama and Senate Democrats have resorted to mocking republicans for the shutdown. We have a live report and also it could soon have an impact on consumers looking to buy a new home and what this means for the home loans. Next. Gerri date number three and lawmakers are as far apart as ever as a budget crisis put on hold after shootings force a lockdown. The suspect confirmed dead after a car chase with a oneyearold child ended in gunfire and officers sustained not lifethreatening injuries and it was business as usual rich lets enjoy it joins us for a few have been a very busy man. When i was held up in the basement not allowed to leave because the Capitol Police would not let me it was quite an afternoon on capitol hill and when you talk about where we go from here the plot makers in the house picked up where they left off of voting to fund certain sections of the government, not the entire government the democrats say they will veto any attempt unless you fund the entire government so around and around we go. There was a meeting at the white house that produced nothing and now they talk about the next plan that that, talks about cutting more pieces were this senate will veto now you get a Movement Among the house g. O. P. Moderates that say forget this was just agree to fund the government and move on to the next issue of the debt ceiling to gate attraction bear right now they dont have that much. This will be the big thing in new york wall street has bated breath so where will the moderates come down . They are the emerging factor it depends on what they put on the floor but weve reported a couple of weeks ago house leadership as a catchall proposal of the Keystone Pipeline with a year of obamacare delay and the changes to medicare and medicaid. Regulatory changes that bill was supposed to be on the house floor but never made it so were left to think perhaps they do not have enough republicans to pass it so right now the debt ceiling strategy is not clear. As far as the moderates who have to believe if it gets down to it they love the change to obamacare or spending cut or a typical republican reform but if they dont get you could be sure they would vote with the democrats to just raise the debt ceiling and nothing more but will there be enough in will House Speaker put the bill on the floor . We are not sure. If you look at the past debt ceiling increase they will not increase likely at all with just the republican votes because you still have a number who will not raise the debt ceiling under any condition and certainly not something to raise the debt ceiling with a policy to bring the republicans along to come anywhere near passing the senate. Gerri thank you for coming on. It is a shutdown shenanigan as Mortgage Loans could be put on hold we have the Vice President from an antibank. What is going on . As of right now things are slowing down with the government that creates a situation if the whole that happens for a couple weeks we could have issues if it is a weaker to we will be fined but the Biggest Issue is if somebody applies for the mortgage against the lender the ability to moderate a transcript of the tax return so that will cause delays potentially. And that is critical for you to do your job. We cannot sell it to the agencys. This could bring this entire Real Estate Market to a halt. We hope we find ways around it hoping it does not shut down more than it is. We received a copy now it is a measure to validate that copy it is a mixture way to protect the validity of the file. Gerri another way it is hurting people to make things worse. Also talk about three approvals at 1. In time those were the way to compete it was almost like having cash my banker says i have the many i am preapproved i can get a Mortgage Loan for this amount but it is not important anymore . Back then theres so many products and programs separate approval would tell you they would give a specific gloom but now with the places to get the financing whether the epa or freddie people have an idea what we are looking for and unless you have a specific scenario for the most are a qualified loan officer could prequalified you which is really all you need. Gerri used to be no more than what the paper was written on it did not mean a lot. They are more meaningful now . It is about the credibility of who is submitting the loan to the lender . It is all about credibility in the marketplace. Gerri you make these decisions every day with a cash buyers at 32 up from last year people who buy a second home facie the opportunity with the prices were they are does that dropout . Traditionally they look for as a discount looking for friday ising may pay some more but if time is of the essence to close tomorrow i would accept financing because he may get more. Gerri up next good news for alec baldwin he may keep his Electronic Device on during takeoff. With fidelitys options platform, weve completely integrated everstep of the process, making it easier to try filters and strategies. To get a list of equity options. Evaluate them with our p l calculator. And execute faster with our more intuitive trade ticket. Im greg stevens, and i helped create fidelitys options platform. Its one more innovative reason serious investors are choosing fidelity. Now get 200 free trades when you open an account. But it doesnt usually work that way with health care. With unitedhealthcare, i get information on quality rated doctors, Treatment Options and cost estimates, so we can ke Better Health decisions. Thats health in numbers. Unitedhealthcare. Gerri to all of you Technology Love thing in suze as you may not have to turn off your favorite Electronic Devices the ffa the faa says they are safe with a stipulation great to have you here. Let me read what the administrator said. They received a report and recommendation and expanded use of personal Electronic Devices they will reuse the airport report to determine the next up is what anybody change . I think theyre ready to move the shutdown has slowed them down but they are ready to allow certain devices to be used once you walk on the plane all the way through flight to lending they will restrict the use of the twoway device but if you want to look headed down loaded the movie or what you get ready to take off then you can do that. Gerri house soon . As soon as they go back to work i think they are ready to do it. Gerri there are some exclusions . They have looked at the issue if these devices is to interfere with the avionics and frankly they have not found any real evidence that is the case but to be safe older planes that do not have the equipment for why five they will have to go through a series of tests to show they are safe but for those new airplanes with the shielding in good to go. Gerri please tell me that the cell phones are still not a part of it i dont want to get on a coasttocoast flight and listen to somebody on their self of. [laughter] un the flight attendants are in absolute agreement. The last thing they want ourself those to be approved and they are not. Gerri believe we do not want to listen. Another piece of information not all airlines have to go along with this. Why wouldnt they . Id you talk about older planes but will they make the decision . I think most will but there may be some particularly those with older planes that may think the idea of taking in choosing what is a twoway device may be too much of a problem during the takeoff the and landing stage but the overwhelming majority look forward to this and implement them. Gerri how much does this cost me . Not one nickel but it will if you want to use it once you get above 10,000 feet to. Gerri the devil is in the details. Thank you. Well be right back with my 0. 2. Stay with us. Really . Whats wrong with trying new things . Look mommys new vacuum cat screech you feel that in your muscles . I do. Drink water. Its a long story. Well, not having brahes lets us give you great rates and service. Id like that. A new way to bank. A better way to save. Ally bank. Your money needs an ally. She loves a lot of its what you love about her. But ur erectile dysfunction that could be a question of blood flow. 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Shares are down sharply today after a fire involving an electric car but cecil says it began in the battery but at least a prompted one stock analyst to downgrade. Those are some of the off hot stories right now on fox business. Com. We always read your email us. Fed is not a bad idea. We love to hear from you. In fact, go to the users are questioning obamacare. Will ever medicare . And some say it is already hurting i had considerable problems over the last few months just trying to find a doctor who will take me as a new patient. I think the more that is a role with less doctors there is a strong possibility to get less money which dramatically affects overall care. We also ask the question on gerriwillis. Com and 84 percent said yes. 16 percent said no. Log on for the online question in every weekday. All week we talk about open enrollment for the Obamacare Insurance Exchange but that is also in the Senate Starts for the Corporate Health plans you will pay more for coverage in see premiums rising not that theyre spending less but keep the percentage at last years levels while overall prices go up with the premiums to rise a whopping 6. 3 . Expected to rise to 2,300 with premiums of 2400 with the out of pocket like co pay and contribution. The bottom line is to reduce or hold even the cost and for that reason you will want to do more than just check the box but to carefully read and understand the details of the to the plans you are offered because these days it is all i knew to make the best choice is. Well be there to give you the best information we can to help you along the way. Tomorrow will be a day a special edition as we wrap up the users guide to obamacare to spend a whole hour taking your questions and ask some of the bride is names to give their take on the Health Care Law and we will take your email and your tweet in we will save of the questions you have already sent us send them right now. They queue for joining us have a great night we will see you back here tomorrow. 84 being with us. Shots fired hatter Nations Capital just feet from the white house and capitol hill for a woman described as mentally ill with a baby in tow grabbing her black and dignity with barricades around the white house and treasury before trying to escape Capitol Police and the secret service and that is when shots rang out