Full text of the comment that was shadow banned by @Oregonian newspaper

The next morning, my comment remains shadow banned by the Oregonian.

Here is the description of the shadow ban, from last night with a screen capture of how the ban appears.

Here, I present the full text of the shadow banned comment plus the supplementary information for how I obtained the facts presented in the comment.

Here are actual price quotes from HealthCare.gov.

The first quotes are for a 64 year old married couple earning pre-tax income of $65,000 per year, which is above the subsidy cut off level, hence, no subsidies. These quotes are for the least cost benchmark Silver plan.

Asheville, NC – $34,344 per year + $14,000 deductible
Baker City, OR and Burns, OR – $28,344 + $5,000 deductible
Birmingham, AL – $30,732 + $10,000 deductible
Bozeman, MT – $38,956 + $11,400 deductible
Breckenridge, CO – $29,099 + $9,000 deductible
Charlottesville, VA – $56,998 + $9,000 deductible
Flagstaff, AZ – Flagstaff, AZ – $34,824 + $8,000 deductible (this is LESS than last year’s $36,000)
Homer, AK – $40,320 + $9,000 deductible (LESS than last year’s $48,000)
Laramie, WY – $49,164 + $5,000 deductible
Medway, ME – $$34,571 + $6,7000 deductible

Here are some quotes for a family of 5, a married 53 year old couple with 3 dependents age 21, 18 and 15.

Charlottesville, VA – $64,836 + $9,200 deductible
Laramie, WY – $55,943 + $5,000 deductible
Winnemucca, NV – $34,903 + $13,600 deductible

Some may be surprised that a person earning $65,000 per year may have $30,000 to $55,000 per year in insurance premiums – and not receive a subsidy. This occurs because the ACA determines the subsidy cut off level by the regional poverty income level – it has nothing to do with the insurance premiums actually paid in the market. Consequently, the married couples in Charlottesville VA and Laramie WY are told to spend more than their after tax income on health insurance + deductible.

Note – rates are nearly flat from age 21 to age 40. At age 43, rate curves turn sharply upward and rise extremely rapidly.

The ACA and the IRS define “Coverage considered unaffordable” as the least cost Bronze plan costing more than 8.13% of your modified adjusted gross income. To illustrate, if your family’s least cost bronze premium were $8,130 per year, if you earn less than $100,000 you are exempt from the individual mandate.

Using a real example, the married 64 year old couple in Baker City or Burns OR is exempt if they earn less than $348,634 per year in income.

Actual rate quotes from across the country show that by the ACA’s own definitions, many families in their 30s, most families in their 40s, and essentially everyone over 50 is exempt from the individual mandate at this time rendering political arguments over the mandate as entirely moot. The ACA itself has already repealed the mandate. (And it doesn’t matter, as the Frean/Gruber paper published in the New England Journal of Medicine, in October 2016, found that the individual mandate has had no discernible impact on sign ups. For those that don’t know, Jonathan Gruber was considered the co-architect of the ACA as its design is based on his 20+ years of health policy research.)

Sadly, we have not seen the above information in many news articles as coverage has been woefully inadequate, primarily covering benefits and rarely to never discussing actual problems and how they might realistically be resolved.

Supplementary Information

All price quotes are from the U.S. government run web site healthcare.gov.

The following information was used in obtaining the price quotes.

  • Family 1 – a 64 year old married couple
  • Family 2 – a 53 year old married couple with 3 dependents, age 21, 18, 15.

Zip Codes Used at HealthCare.gov

(Copy of the notes file I maintained while looking up this information in November 2017).

Asheboro, NC 27203 (note png says Asheville due to typo)
Baker City, OR 97814
Burns OR 97720
Bozeman MT 59715
Flagstaff AZ 86001
Hillsboro 97124
Homer AK 99603
Klamath Falls OR 97601, 52, 52, 21, 18, 15 age of dependents, income $116,000/year
Laramie WY 8207
Cheyenne, WY 82007
Reno 89502
Grand Junction CO 81506, http://connectforhealthco.com/
Santa Fe, NM 87501
Woodinville WA 98072, https://www.wahealthplanfinder.org/
Winnemucca NV 89445
Bandon OR 97411
Boise, 83704, Birthdate 03/01/1954, https://www.yourhealthidaho.org/

https://www.healthcare.gov/see-plans/#/

2018 Data from healthcare.gov or state web sites
Boise, 83704, Birthdate 03/01/1954
https://www.yourhealthidaho.org/

Additional Reference Information

Yes, I really do log what I do, in great detail.

Frean, B., Gruber, J., Sommers, B. (2016). “Disentangling the ACA’s coverage effects – lessons for policymakers”.  N Engl J Med 2016; 375:1605-1608 October 27, 2016 DOI: 10.1056/NEJMp1609016 Retrieved from: http://www.nejm.org/doi/full/10.1056/NEJMp1609016#t=article

IRS. (2017). IRS Form 8965 Instructions. Retrieved from https://www.irs.gov/pub/irs-pdf/i8965.pdf. See page 3 (Coverage considered unaffordable) and page 9 (Determining an individuals’ required contribution – individuals not eligible for coverage under an employer)

eHealth. (2017). “Affordable Care Act Health Insurance Will be Unaffordable in 2018 for Many Middle-income American families, eHealth Analysis Shows”. Retrieved from https://news.ehealthinsurance.com/news/affordable-care-act-health-insurance-will-be-unaffordable-in-2018-for-many-middle-income-american-families-ehealth-analysis-shows

Additional Information

I also saved complete copies of the downloaded HTML pages from the logged in state and the not logged in state, plus screen captures.

The Oregonian did publish my follow up question, in the comments, asking why my earlier comment was shadow banned. However, there is no answer.

As of today, we will no longer be reading the Oregonian newspaper due to their heavy handed censorship of factual speech. In actual fact I had already limited myself to reading just one article per day due to issues I had already spotted in their content.

I anticipate taking a far harsher tone towards the creation of fictional news by the sanctimonious press. Remember, the definition of “fake news” is the use of a variety of methods, including exaggeration, distortion, emotional hooks and falsehoods to sell eyeballs to advertisers. Many “fake news” services are social media based, online, for profit businesses. Which describes most so-called mainstream media today.

Media reporting error causes Dow to drop 350 points

Lucky for me, I was busy all day and did not learn about this until it was over with.

ABC News reporter Brian Ross put out a report this morning with most of the crucial details wrong – causing the Dow 30 Industrials to drop 350 points. The false report was broadcast as an interruption to regular scheduled programming, as well.

Seven hours later, Ross issued a weak clarification; in fact, his report should have been retracted as much of it was wrong.

The take away from today’s media blooper is as we know, the first message people hear is the one that will stick with them, even if later corrected or changed. From a propaganda perspective, Ross’s erroneous report was quickly shared on social media and led to investor panic.

As of tonight, many people are still promoting the original false story on social media.

From my understanding (late now), the errors were quite significant and this clarification does not adequately respond to the financial harm caused by the errors. Update: ABC News eventually apologized for “serious error” and suspended the reporter, without pay, for 4 weeks and the reporter has been banned from ever again reporting on topics related to President Trump.

It is frightening that a reporter can cripple financial markets by issuing poorly done news reports (editors?). Combine a bad reporter’s mistakes (he has a history of doing this) with social media, and you end up with mass panic. Propaganda messaging can, as in this example, act surprisingly quickly and with extraordinary effects.

Did an Iranian immigrant start California fires? NO.

This fake news nonsense came through my Twitter feed today.

The story traces back to this fake news web site.

Source: Fact check: Did Illegal Muslim From Iran Started California Wildfire – ayupp

Answer: NO, the entire story is fake.

Note that this item has been shared 471 times and liked 330 times on Twitter. Of the 105 comments, very few pointed out that its a fake news story.

The photo, which is easy to cross check, is of a Palestinian who “carried out on Friday a stabbing attack in Halamish settlement in which three Israelis were killed and a fourth was injured”

There is more in the ynetnews.com online magazine about the related trial which took place in September 2017.

Google working to counter “fake news” and other fake stuff

Google wants to give higher priority, in search results, to authoritative sources. However, no one outside of Google knows what “authoritative” means nor how Google determines that information is “authoritative”.

How’s Google learning from the data to figure out what’s authoritative? How’s that actually being put into practice?

Google wouldn’t comment about these specifics. It wouldn’t say what goes into determining how a page is deemed to be authoritative now or how that is changing with the new algorithm. It did say that there isn’t any one particular signal. Instead, authority is determined by a combination of many factors.

Source: Google’s ‘Project Owl’ — a three-pronged attack on fake news & problematic content

Fake news, fake search results, fake online product reviews – everywhere we look, people are gaming the systems.

Fake news fools about 75% of the time

In a survey conducted by Ipsos Public Affairs for BuzzFeed News, 71 percent of self-identifying Democrats surveyed mistook fake news headlines for real stories. Those who identify as Republicans fell for the false headlines at a higher rate, with 84 percent of those surveyed believing they were true.

Source: The fake news stories that fooled liberals in 2016.

Read the original report here (UPDATE: This link goes to Buzzfeed, which confirmed in Jan 2017 that they lack traditional media editorial standards and publish items they are unable to verify as authentic.)

Critically, those who view “Facebook as a major source of news are more likely to view fake news headlines as accurate”.

Fake news is often written as satire, but sometimes it is produced as propaganda. The general goal of most fake news, however, is to drive eyeballs to advertisers. Indeed, that is the goal of much “mainstream” news reporting too, particularly today where every click on every web story is closely monitored, data mined, and used to shape future reporting.

Fake news successfully fools both right and left:

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The role of fake news sites in social media stupidity amplification

Many of the fake stories conservatives are tricked into sharing have been deliberately planted by the left to make fools of us.

Source: The Left is Busily Planting Fake Red-Meat Conservative News Sites | The Stream

Similarly, many of the fake stories published by Occupy Democrats are used to trick liberals into sharing and making fools of themselves (see prior posts on this topic).

We’ve written about this before and this also illustrates how the MSM does the same thing, as click bait, noted in the prior post.

The emotional jolts per minute metric – and no one cares if its #fakenews #Socialmedia #Propaganda

TL;DR Summary:

  • TV news, especially, but print news too, relies on a concept of “emotional jolts per minute” to engage their viewer or reader.
  • An emotionally jolted viewer or reader is more likely to retain the story in their head.
  • An emotionally jolted person is more susceptible to advertising messages, which is good for the business.
  • The Washington Post ended their Internet meme fact checking column because they discovered that no one cares if the meme is false; as long as it agrees with their preexisting bias and ideology, it must be true!

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