Yes Virginia – America Does Have Free Market Medical Care

by: the Common Constitutionalist

Scroll Down for Audio Version

What is the number one complaint amongst conservatives regarding healthcare? That it is completely void of the free market. Whether it is ObamaCare, or what we currently know of RyanCare, for all intents and purposes, the free market simply doesn’t exist.

We on the right understand that free market forces like competition and innovation are the keystones to any successful industry – any mutually beneficial transaction. Insurance is no different.

Health Insurance, which, to reiterate for the thousandth time, is not healthcare, anymore than auto insurance equals car repair, etc. We would never think of attempting to use our auto insurance for a tire change or a new muffler. Yet we don’t think twice about using our health insurance when we see a doctor for the common cold.

And why? Simple, as we know. It’s called third party payer, or worse, single payer. As long as we perceive that someone, the insurance company, will pay for the visit, we don’t ask what the charges are before service is rendered. We don’t ask after the services are rendered, nor do most even care. It’s the antithesis of the free market. read more

Obamacare was to be Like a Shiny New Car

by: the Common Constitutionalist

For quite a while president Obama and the democrats have lamented over the haves vs. the have-nots in America. It’s not fair that so few should have so much, while working families and the poor go without.

It’s not right that 1% can afford to purchase a new Bentley every year, while most must suffer driving an old clunker which spews out CO2 and is in constant need of repair.

Because of this disparity, the Obama administration has unveiled a new mandated government program. It is a brand new prototype automobile originally developed at Area 51. It is equipped with every known feature currently available in any and all cars and trucks today and it has absolutely zero emissions.

The administration is so exited by the development, the president signed an Executive order requiring everyone to purchase one by the year 2020. read more

See We Told You So – Insurers Folding Under the Weight of Obamacare

by: the Common Constitutionalist

This was the plan from the very beginning.

In 2003, at an AFL-CIO (USSR) symposium, Obama said: “I happen to be a proponent of a single payer universal health care plan.” He then stated that there is no reason why the richest country to ever exist, “that spends 14% of its GNP on healthcare cannot provide basic health insurance to everybody.”

Most of us remember these sage words from then nobody Obama. But even back then nobody Obama was playing word games, mixing “healthcare” with “health insurance,” as if they are the same. Now that Obamacare has been instituted for a few years, the public is finding out that “health insurance” does not equal “healthcare.”

He then went on to say that “we may not get there immediately.” He told the audience that, “first we gotta take back the White House, we gotta take back the Senate and we gotta take back Congress.” He obviously underestimated how easy it would eventually be to roll over the Republicans.

In 2007 Obama said there would have to be a “transition process,” going from private to single payer. He stated: “I can envision a decade out, or 15 years out or 20 years out. read more

Obama: The Lying Liar That Lies

by: the Common Constitutionalist

 

Yesterday the AP reported that the Obama White House is asking insurance company CEOs to help explain mass cancellations; that the White House Chief of Staff, Denis McDonough urged companies to “ramp up communication and education efforts” to those who have lost their insurance.

 

Did we not predict this? Did we not predict that Obama would either out and out blame evil “big insurance” or at least co-opt them?

 

Now granted, the insurance companies are not completely blameless. They were stupid and gullible, but not blameless. They could have spoken out against Obamacare, but they, like so many others, bought Obama’s line of crap.

 

I’m sure they figured if they kept their collective mouths shut, Obama would reward them with millions of new customers, forced by government decree, to buy their product. Crony capitalism at its finest. read more

Premiums and Deductibles and Co-Pays, Oh My!

by: the Common Constitutionalist

 

Think health insurance is expensive now? Wait until it’s free!

Well, we’re still waiting.

Everyone has been talking about Obamacare’s expensive premiums. That many plans have people seeing premium increases of 50 – 100 – 150% and more.

To be sure, folks are already beginning to suffer from monthly premium sticker shock. That is, the few that  have been able to get into the system to purchase a plan.

 But what will really effect the public’s bottom line is the astronomical deductibles and co-pays that will be forced on us. It’s pay me now, pay me later…just pay up!

 Nationwide,  deductibles on the least expensive Bronze Obamacare plans can be as high as almost $13,000. Couple that with co-pays of up to 40%.

Don’t get sick and don’t get hurt!

Glossary for those who are unfamiliar with the terms:

Deductible: the amount for which the insured is liable on each loss, injury, etc., before an insurance company will make payment.

Co-pay: a fixed amount required by a health insurer to be paid by the insured for each outpatient visit or drug prescription. read more

Rejoice: Obamacare Is Almost upon Us

by: the Common Constitutionalist

 

I’m so excited. I can hardly wait. It’s like Christmas in October, for Obamacare will be kicking in for real in about 2 to 3 weeks.

 

For those of us that understand this law better than most, we are worried, to put it mildly. I say “understand it better” because no one, including its author (s), whoever they are, know everything about it. Scary isn’t it; passing a law that controls one sixth of the economy and is still a mystery to all.

 

Yet the low to no information crowd is being hit with a full-court press of Obamacare positives. To my point, MSN Money posted an article highlighting 10 great things about Obamacare. I couldn’t resist but to click on it and find out just how they claim it will solve all our healthcare concerns.

 

Shall we examine a few?

 

The article began with a bang as Sara Collins, VP for affordable health insurance of the Commonwealth fund exclaimed: “the market reforms really level the playing field. You can no longer be excluded based on your health, for instance, if you have diabetes or asthma. That will really benefit those who are older.”

 

Ah yes, leveling the playing field. The mantra of the socialist set. And they didn’t forget to include the benefits to the low information old folks, although they did neglect to mention the death panels.

 

Another positive point was that restaurants with over 20 locations must post calorie and nutrition information. This is apparently great news and will coax many to make healthier choices. They continued by explaining that of low income people eating at fast food joints, more than 25% were influenced by the information, yet they still consumed the same amount of calories. Huh? read more

Obamacare: Failure By Design

Obamacare: Intentionally Designed to Fail

 

Since shortly after Obamacare came out, I’ve been expressing the opinion that  it was intentionally designed to fail.  Here’s the latest evidence –

By health insurance definition, a pre-existing health condition is one that  existed a set period of time before the applicant applied for the policy,  regardless of whether it was being actively treated or not.  Often times these  conditions are not the fault of the person applying for coverage, and I’ve  always strongly felt that there needs to be viable options for these people.   But very often, the health conditions that people have are DIRECTLY their own  fault because of the bad habits they know they have yet keep on doing.  And  under Obamacare, these people will be charged the same premiums as those of us  who are health conscious and rarely need medical treatment.  Sorry – but I have  a huge problem with that.  People who get struck with conditions they didn’t  actually strive to get, I empathize with them.  But to those who knowingly,  stubbornly went out of their way to get sick, shut up and pay for what you did  to yourself.  I shouldn’t have to help pay for your intentional indiscretions.

Continue Reading

The Joys of Obamacare

Funds run low for health insurance in state ‘high-risk pools’

 

Tens of thousands of Americans who cannot get health insurance because of preexisting medical problems will be blocked from a program designed to help them because funding is running low.

Obama administration officials said Friday that the state-based “high-risk pools” set up under the 2010 health-care law will be closed to new applicants as soon as Saturday and no later than March 2, depending on the state.

But they stressed that coverage for about 100,000 people who are now enrolled in the high-risk pools will not be affected.

“We’re being very careful stewards of the money that has been appropriated to us and we wanted to balance our desire to maximize the number of people who can gain from this program while making sure people who are in the program have coverage,” said Gary Cohen, director of the Department of Health and Human Services’ Center for Consumer Information and Insurance Oversight. “This was the most prudent step for us to take at this point in time.”

The program, which was launched in summer 2010, was always intended as a temporary bridge for the uninsured. But it was supposed to last until 2014. At that point,  the health-care law will bar insurers from rejecting or otherwise discriminating against people who are already sick, enabling such people to buy plans through the private market.

From the start, analysts questioned whether the $5 billion that Congress appropriated for the Pre-Existing Condition Insurance Plan — as the program is called — was sufficient. Please Continue Reading

Liberal Nostalgiacs

Liberal Nostalgiacs Don’t Understand Jobs of the Future

By Michael Barone

 

I don’t know how many times I’ve seen liberal commentators look back with nostalgia to the days when a young man fresh out of high school or military service could get a well-paying job on an assembly line at a unionized auto factory that could carry him through to a comfortable retirement.

As it happens, I grew up in Detroit and for a time lived next door to factory workers. And I know something that has eluded the liberal nostalgiacs, which is that people hated those jobs.

The assembly-line work was boring and repetitive. That’s because management imbibed Frederick W. Taylor’s theories that workers were stupid and could not be trusted with any initiative.

It was also because the thousands of pages of work rules in United Auto Workers contract, which forbade assembly-line speedups, also barred any initiative or flexible response.

That’s why the UAW in 1970 staged a long strike against General Motors to give workers the option of early retirement, 30-and-out. All those guys who had gotten assembly line jobs at 18 or 21 could quit at 48 or 51.

The only problem was that when they retired they lost their health insurance. So the UAW got the Detroit Three auto companies to pay for generous retiree health benefits that covered elective medical and dental procedures with little or no co-payments.

It was those retiree health benefits more than anything else that eventually drove General Motors and Chrysler into bankruptcy and into ownership by the government and the UAW.

The liberal nostalgiacs would like to see an economy that gives low-skill high school graduates similar opportunities. That’s what Barack Obama seems to be envisioning when he talks about hundreds of thousands of “green jobs.”

But those “green jobs” have not come into existence despite massive government subsidies and crony capitalism. It’s become apparent that the old Detroit model was unsustainable and cannot be revived even by the most gifted community organizer and adjunct law professor.

For one thing, in a rapidly changing and technologically advanced economy, the lifetime job seems to be a thing of the past. Particularly “lifetime” jobs where you work only 30 years and then get supported for the next 30 or so years of your life.

Today’s young people can’t expect to join large organizations and in effect ride escalators for the rest of their careers. The new companies emerging as winners in high tech — think Apple or Google — just don’t employ that many people, at least in the United States.

Similarly, today’s manufacturing firms produce about as large a share of the gross national product as they used to with a much smaller percentage of the labor force.

Moreover, there’s evidence that recent growth in some of the professions — the law, higher education — has been a bubble, and is about to burst.

The bad news for the millennial generation that is entering its work years is that the economy of the future won’t look like the economy we’ve grown accustomed to. The “hope and change” that Barack Obama promised hasn’t produced much more than college loans that will be hard to pay off and a health care law that lets them stay on Mommy and Daddy’s health insurance till they’re 26.

The good news is that information technology provides the iPod/Facebook generation with the means to find work and create careers that build on their own personal talents and interests.

As Walter Russell Mead writes in his brilliant, the-american-interest.com blog, “The career paths that (young people) have been trained for are narrowing, and they are going to have to launch out in directions they and their teachers didn’t expect. They were bred and groomed to live as house pets; they are going to have to learn to thrive in the wild.”

But, as Mead continues, “The future is filled with enterprises not yet born, jobs that don’t yet exist, wealth that hasn’t been created, wonderful products and life-altering service not yet given form.”

As Jim Manzi argues in his new book “Uncontrolled,” we can’t predict what this new work world will look like. It will be invented through trial and error.

What we can be sure of is that creating your own career will produce a stronger sense of satisfaction and fulfillment. Young people who do so won’t hate their work the way those autoworkers hated those assembly line jobs.