8772499626 to get started. Right now for the wall street journal and a senior fellow at the Manhattan Institutes and the fox news a medical team. I talked to people what they thought what they were concerned about one said they were very concerned about the mandate. Why does it have to be that . Why eight to people who can afford it have been forced on them if they already cannot afford it . Gerri is a mandate. I have been asking myself the administration on one side of their mouth says how wonderful it is for those who dont have Health Insurance but another says people have to pay a big penalty if they dont sign up but the low income workers may be making 25,000 per year you offer them two Choices Health care policy or 1 our her page than what the pay. Gerri i have more questions about that it was so controversial but in the end they still dont get it. But we have a lot of questions about the quality of care. What is the quality of care . If you get your Health Insurance from the government . It is a throwback because these are restrictive policies and people dont realize that. Bronze and silver and platinum covering all kinds of Preventive Services but they restrict the doctors you can use some of the best hospitals are not signing up and really have a couple of insurance to visa participate that practically guarantees your premiums will be high with no competition. He may have a restricted choice and the be the orthopedist is not on this policy . Gerri we have a caller from oregon. What is your question . It is a three part question. The hospital that i work for they are self insured and pay part of the insurance and repaid the other part. It is steered sissonne have a just for themselves or their spouse and their family. I dont have maternity or baby care will live blues that n. J. Drake and have to buy the more expensive family insurance . If i dont take the insurance my employer offers a my penalized . If i take the insurance what year do i have to start paying taxes on the part of my employer pays. Gerri these of the questions. What we can ask is if i dont accept my employers coverage is there up penalty . If you do get credible coverage from the and sorry from your employer you should not be able to get insurance off the stage with the for the first year they are not coveriig or if they are checking it they did turn it down and go to the obamacare in they will not check. Gerri they will not check anything in the first year. Steve . She is worried about taxes that is a very good question. The issue of that medical benefits they will be taxed to her if she buys it on her own if she does not but drops out of the employer plan and does not buy anything now she has to pay the individual mandate tax is now starting at 95 per year but it goes up every year about 500 after a few years. Gerri 95 at 2014 but also a percentage and that brings me to the email what is a fine of not getting obamacare . I have heard 95 or percentage of income. Asserts with 1 of your income per year starting 2014 then it is 2. 5 . Gerri can you imagine . People cannot afford dapper i want to add something some policies will not grandfather talking about employer based insurance if your policy was not in place before 2010 you get there from your employer you may be compelled to change it because it does not fit the obamacare regulations. Gerri we will get to that. Thank you. Readjust getting started. We will be back. , more questions from email and twitter and facebook by calling with your questions would of the most asked questions how does it impact medicare . Dont go way. Um. Wheres mrs. Davis . She took an early spring break thanks to her double miles from the capital one venture card. Now what was mrs. Davis teaching . Spelling. Thats not a subject, right . I mean, spell check. Thats a program. Algebra. Okay. Persons a and b e flying to the bahamas. How fast will they get there . Dont you need distance, rate and. No, all it takes is double miles. [ all ] whoa. Yeah. [ male announcer ] get away fast with unlimited double miles from the capital one venture card. Youre the worlds best teacher. This is so unexpected. Whats in your wallet . See who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. Maestro of project management. Baron of the buildout. Yoneed a permit. To be this awesome. And you. Rent from national. Because only national lets you choose any car in the aisle. And go. You can even take a fullsize or above, and still pay the midsize price. aaron purrrft. vo meeeow, business pro. Meeeow. Go national. Go like a pro. Gerri obamacare is so big and complex rededicating the entire hour to answering your questions. Call us right now at our tollfree number. Lets get to our panel. And joining us now from health pocket. Com the next caller is from florida. Caller thank you for taking my call. My medication insurance bills to a company that is going bankrupt in know i have a preexisting condition. If i go on to the exchange will i be considered having employer based insurance . Gerri great question. You should be able to find insurance in one of the changes taking place is there is no medical underwriting that the preexisting condition will no longer lead to a denial of insurance or a higher rates of premium. Gerri now we have another caller from pennsylvania. Caller my question is if you have to sue somebody in a medical event would you have success to sue the u. S. Government for your health care . Gerri that is a logical question. Day you have any idea . By the way what they are asking i consider myself an expert but these are tough you may be able to do that to sue the exchanges if there is some problem with the health care you have been provided but if you have paid malpractice suit you would be against the doctor or the hospital that provided the care. But to that point they have figured out a way to get around it because the Insurance Company may restrict me to say you cannot order that test is something bad happens to the patient i am liable. I am so glad this gentleman mentioned malpractice because it is to control costs but if you go through that 2,000 pages space see the word malpractice or insurance reform with the entire law. Gerri absolutely one of the questions we get over and over is medicare what is the impact . When i was on the street we talked about this in here is what they said. Are you worried . Yes i am. Very. I fear it will not cover it that it will not cover us. Will you keep your doctor . We dont know if he can afford to or if he will stay ggrri there is a lot of concerns out there right now what Medicare Coverage will be like. What do you say . One thing that people understand is medicare is a separate program the Affordable Care act affects people who are buying coverage on their own or in a Small Group Plan with respect to medicare the implications are on the budgetary level given to premium subsidies and eventually with the medicare budget but right now there should not be concerned. I kind of disagree because first of all, the reports that medicare creates will restrict our choices an it if i can work when i want these elderly people have medical problems now they tell me what i can order it is harder to run a practice. And then there is payroll taxes and steve can talk about that better but it is gutted to pay for obamacare obamacare. Gerri our next caller go ahead. Caller i work with Big Box Stores and i am parttime i just found out i have to pay stuff i dont why did i dont need Maternity Care. [laughter] gerri the question is what happens to Veterans Benefits under obamacare . Does that qualify for the individual mandate if you have one of the other programs . That should be credible coverage bedsheet brings up a good point of the Affordable Care act is mandating that every qualified health the Insurance Plan have tenney central benefits he will lose a section of the market this skinnier benefits for the high deductibles. That also takes out the low end of the premium market for the consumers. Gerri steve, these are the concerns we hear all the time. There is a mandate. I have to do something the government requires me and i dont understand what qualifies or makes me 0k or street legal. How good of a job has the administration done to communicate the rolls around obamacare . That is a question . They did a horrible job. Employers dont understand it everybody is in a mass stage of confusion and i would make the case that is why we may want to delay because it is not ready for prime time. Gerri will let happened . It should. The wheels are coming off just the first couple days. She does not need Maternity Care but one of the key trademarks people pay for other people young people are paying for the older people but a 26 sure all pays higher premiums to pay for someone with diabetes and they are sedentary and obies. Gerri stay with us. We will see all of you again shortly. Dont go anywhere we have your obamacare answers for you including a look at the biggest unintended consequence, the next generation. Stay with us. So i can reach ally bank 24 7, but there are no branches . 24 7. Im sorry, im just really reluctant try new things. 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 branches 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. We are the thinkers. The job jugglers. The up allnighters. And the ones who turn ideas into action. Weve made our passions our lifes work. We strive for the moments where we can say, i did it we are entrepreneurs who started it all. With a signature. Legalzoom has helped start over 1 million businesses, turning dreamers into business owners. And were here to help start yours. 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 welcome back to our special users guide for obamacare we have been taking your questions all week and we have a panel of experts for questions facebook or twitter or call us 8772499626. Dr. Mark siegel and joining us a senior fellow at the Manhattan Institute, a friend of the show. We talk to people on the streets people our concerned about the young people and obamacare. This is the burden on the next generation what is the cost going to be to them. It is a double peony not only more entitlement spending but the way it the Exchange Works is a dramatically increase the cost to subsidize the cost for old people and twothirds of the people uninsured are under the age of 40 so somehow we drive up the cost and that makes no sense. Gerri i know people say we will just wont buy insurance and that seems like a double whammy si issa to the programmer and people not only get it but they cannot afford it. We have a caller from arkansas. Caller how are you . My question is i am a selfemployed i of been trying to find Insurance Companies but i have been declined numerous times because i do not fit the wait criteria i have over wait for their policy. Kim obamacare help me out . I have perfect physical san work full time but i am overweight. Yes. He can get a policy will not be restricted because of his weight but the kid he afford it will he have to have a subsidy . There is no real incentive in this program to lose weight and would like tax incentives for people losing weight that would be a way to Save Health Care cost. Nothing against this caller i want him to get insurance but i would like him to lose weight. Gerri good news for him. One good part that people like is you cannot be denied coverage. That drives up the cost for those who are healthy. Gerri that is the flip side. And answer this email. From texas, if you do not pay the monthly rate under the exchange but paid the fine kid you still have health care . Will they kick you out of the emergency room . People think obamacare will result in the idea i cannot get emergency care. It is the myth from the beginning because there is a lawyer cannot be turned away from the emergency room if you have insurance or not. More people use it unnecessarily if they have insurance if you have the medicaid card you go straight to the e. R. And the people with a heart attack cannot get in because ultimately did not make money with a cheap insurance but here is another thing. So while you wait for jiri to rollaway around you could sign it today but if you get sick tomorrow if you dont have coverage you will get a bill. The law that requires hospitals to cover you is still on the books. Gerri how one earth should we afford Health Insurance when your income is 35,000 per year . We also make too much but yet barely keep our nose above water. We ran the numbers on this all over the country in the basic bottom line you will not benefit from a obamacare subsidy but the underlying cost will go up so much more that you are a net loser. Also the affordability glitch you could fall in the middle and not qualified. People are already hitting their heads i want to respond to this tweet what satisfies the individual mandate . Employer coverage and what about individual catastrophic coverage . Medicare or medicaid . One of the problems is the exchanges are not set up with a catastrophic plan. The Health Savings are being reduced but that could save plenty of money and they would have the incentive for using them if use of Health Savings account very little with catastrophic the bronze and up platinum and silver and gold not catastrophic. But they do offer a plan that they call catastrophic but they are so heavily regulated they dont end up being cheaper than their regular insurance. Gerri double whammy. They are not going anywhere yet. Our our long question and answer session continues looking at privacy concerns we want to hear this. Thank you orville and wilbur. 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 insting billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Ask me what its like to get your best nights sleep every night. [announcer] why not talk to someone whos sleeping on the most highly recommended d in america . Ask me about my tempurpedic. Ask me how fast i fall asleep. Ask me about staying asleep. 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Gerri face it obamacare is confusing 13,000 pages of rules and regulations the a ministrations spend millions of dollars on advertising but they have done a terrible job of for you to navigate the details for our panel of experts is back taking your questions. From the Manhattan Institute and dr. Marc siegel and we will take a caller from arkansas who is a veteran. Caller this is great to speak to this is the first of might have done this. I may disabled veteran what people dont realize is the United States military are noncommissioned there is socialized medicine and. Question number one you cannot sue for malpractice with socialized medicine. That is the fact. Obamacare is that government and never to taipei for medicare should i be paying for medicare . It is 100 per month how does this affect nonu. S. Citizens for medicaid and medicare . Or do they just keep getting yet. Gerri we will start with your last question what about those who were not citizens . There is a difference people are here legally some are illegally out as the law treat them . Legally like u. S. Citizens they do pay taxes in their taxes go to support whatever benefits they are eligible for. Illegal immigrants are not eligible for medicaid or obamacare nor medicare. However that is a downstream effect because there also exempt the employer and individual mandates so companies can hire them if not Cover Health Care because they are not penalized. Gerri unintended consequences. Dr. Siegel she asked can she sue her doctor . Also how does she balance with medicare . She can sue her doctor but she cannot sue the federal government because Insurance Companies they have found a way to put the blame on the doctor. But the virginia system, president obama loved to say this is like the Cleveland Clinic for a male clinic but you can say negative things about the virginia but it is a very streamlined system and organized compared to this mess with the millions of Insurance Companies poorly organized the bronze plan or the bold plan are you kidding me . There is no comparison to that v. A. System and obamacare. Gerri thank you for calling you did a great job. Some questions we have had there are three good ones. David from wisconsin wants to know can you explain the pork in obamacare . [lau