Posts Tagged ‘Obamacare’

The Real Cost of Obamacare

Posted by Troy on 25th October 2016 in Current Events, Political

Obama has announced that rates are going up by an average of 25%.  This is interesting considering there are a good number of states that are going up between 50% to 92% [that's the expected range].  I suspect there is some statistical magic and they used the lowest baseline.  However, what really annoyed me is that Obama had the gall, the unmitigated gall, to tell us “Look…no one is going to pay all that much more…because you get credits.  So, it costs more…but you get more credits, so…it’s okay.  If you have an employer plan, you’re not going to have these rate increases.”

Yeah…right.  One, we will have a rate increase due to taxes.  Where do you think those credits come from?  They come from tax dollars (or more appropriately…debt).  So, when they increase the tax credits, they also must increase our taxes.  It’s that simple.

Insurance companies are being forced to sell plans to people with pre-existing conditions.  They are also limited in the amount they can charge for these plans.  Since they have no choice but to offer these plans, the way the insurance companies make up the difference is by charging healthy people more for their plans.  Do you think that they won’t charge “employer plans” more if the other option is bankruptcy?

The main driver of increasing medical costs is the third-party payer system.  When you have a third-party paying, there is little incentive for patients to be price adverse.  Why should they haggle on the price when they are not the one paying?  Why should they question if they need this procedure more than another procedure?  Third-party payer systems remove the mechanics that set a market efficient price.

The cold fact of the matter is that Obamacare has also increased the demand for medical services without increasing the supply at all.  With more patients chasing the same supply, this forces the price upwards.  Since medical services increased in price, the insurance must also increase in price.

Of course, the Democrats will say that the only option is to go to a single payer system.  Yes, of course!  Government meddling has done a fantastic job so far.  Surely, more government interference is just what we need.  Here’s the truth: it may feel like you are not paying for insurance, but it’s just that the costs will be hidden from you.  It will come out as withholding and surtaxes and decreased defense spending and death panels and all kinds of things like this.  Mark my words: don’t buy the poison.

Long Live the Constitution!

FAIL: Supreme Court upholds Obamacare subsidies

Posted by Troy on 25th June 2015 in Current Events, Political

The Supreme Court decided that all Americans have a right to subsidies under Obamacare, regardless of whether or not their states set up the exchange.  Here are the relevant facts:

1 – Under the Affordable Care Act, subsidies are available when people buy insurance from an exchange “established by a state.”

2 – Committee reports and Gruber’s comments state that this was intentional to punish any state that did not establish an exchange.

3 – 37 states didn’t care and didn’t set up an exchange.

4 – Obama waved a hand and said, “They qualify even if they buy from the Federal exchange.”  This is neat because he essentially re-wrote a law AND dictated payments.  Two powers which reside in Congress.

So, today, the Court said.  “That’s cool.”

Why isn’t it cool?  If they hadn’t, millions of people would have lost their subsidies!  There would have been chaos!

So what?

The President and/or the Court does not not get to rewrite a bad law.  If it was a bad law, he should have vetoed it.  If it was poorly written and passed anyway, the Court is obligated to judge the law as it is written, not as they deem it should have been written.

This case basically says that the law is a fluid thing to be decided upon as a matter of convenience.  That is why this such a terrible ruling.  Take the Fourth Amendment, which says that warrants have to be individual and specific.  So the Court can now say that a general warrant that covers all Americans for all things really is the same thing as an infinite number of specific, individual warrants.  Why not?  Maybe back in 1786, we didn’t see a general warrant over all Americans.  Now we do, so we just assume that the law really meant for the government to have the ability to get a warrant  for anything whenever it is needed, so it is good to just have a deemed warrant out there for any and all illegal activities.  I mean…if you’re not doing anything wrong, why are you upset?

I will make no illusions.  I hate the law.  It is convoluted and complicated.  It did nothing it was supposed to accomplish.  All it did was take away freedom.  The government now has the ability to tell you that you HAVE to BUY a product even if you want to or not.  Take that, you healthy twenty-year-olds.  Shame on you for cheating the system with your God-given good health!  All that aside, this is a horrible ruling.  I have lost all respect for the Supreme Court at this point.  I knew this is how it was going to go down, but I had hoped that they would actually do their jobs and read the law as written.  Instead, they are about “saving” the law, something they cannot do.  We have given the power to rewrite legislation to the Executive and Legislative Branches.

We are on VERY dangerous ground now.  Obama has acted as a dictator.  Thank gawd he is going to be gone in a year and a half…assuming he doesn’t declare martial law.  We will see.

Long Live the Constitution!

Robert Gibbs – “The first thing that will go from Obamacare”

Posted by Troy on 3rd April 2014 in Current Events, Political

Robert Gibbs thinks that the first thing that will be removed from Obamacare will be the employer mandate.

I made the argument in 2084 that the Bill of Rights made a net to protect our rights.  Destroying any strand weakens the net.  Hurting several strands destroys the net.

Obamacare was sold under the same premise, that all the rules work together and that removing one would destroy its effectiveness.  What I think is funny is that no one has mentioned that Gibbs has basically said that more things will have to be removed as well.  As each part fails, the entire thing will fail.  The President has unilaterally extended the employer mandate two times (a Constitutional violation).  Why?  Because if he doesn’t, people will end up losing jobs, and then the Democrats in government will lose their jobs.  Unfortunately for them, that will never not be the case.  They are stuck with forever extending it.  However, they did not extend the individual mandate (a huge Constitutional violation – the government has no right to tell anyone that they have to buy a product or pay a fine or other punishment–screw the Supreme Court on that point).  However, without employers having to shoulder a huge part of the costs, individual policies will grow more and more expensive, and more and more people will not buy insurance, and the entire system will collapse upon itself.

I’m so glad we spend a trillion dollars and wrecked our entire system for this divisive law to insure the projected 7.1 million that signed up under Obamacare (mostly the sick and elderly).  Where are all those young college kids that wanted this law?  Oh…they figured out they had to actually pay for it.  Reality sucks, don’t it kids?  No one should be allowed to vote until they start paying their own bills.  When it’s your money that’s being played with, it really changes your perspective.

Long Live the Constitution!

Obama lets you keep your old plan

Posted by Troy on 14th November 2013 in Current Events, Political

How gracious of him to ALLOW you to keep the plan you picked out on your own and paid for on your own.  For Obama is oft merciful.

I pity insurance professionals.  They had to listen to that broadcast and got that eye-twitch, you know…the twitch you get right before you snap.  They were villainized before the Affordable Care Act.  They they did as they were supposed to do to comply with the law.  Then they were blamed for cancelling the policies that Obama told them had to be cancelled, and now they are being told to reinstate these plans…but next year they will have to be cancelled again…unless Obama changes his mind again…twitch twitch twitch…

This will explode in Obama’s face.  Those plans are gone.  The insurance companies either won’t bring them back or, if they do, will bring them back at much higher costs.  Either way, people are going to be pissed.

This is like if you go to your favorite hamburger joint and order the same burger as always.  However, now it has truffles and, instead of $3, they charge you $10.  You complain to the manager, and he agrees to give you the old burger you ordered just yesterday at $3, but now he charges you $5.  Do you think you’re going to be happy because you got your old burger?  Hell no!  You wanted the old burger you enjoyed at the price you enjoyed.

I will say, I am enjoying watching Obama age right before my eyes.  That’s always fun.

Long Live the Constitution!

Hannity’s Crank Phone Call

Posted by Troy on 24th October 2013 in Current Events, Entertainment

So Hannity thought it would be cute to call up the Obamacare hotline and ask them questions.  This was inappropriate.  These people are doing their job, and I imagine they have enough stress as it.  One lady did speak to him and tried to get him information on the policies (etc).  She was fired today.  Well, thank you, Hannity!  Apparently, it was against the rules for her to talk to media types.  According to her, she didn’t know, but I’m sure they made her sign a contract or something that she didn’t read.  As such, I’m putting some of the blame on her, but this is why you don’t pull games like this.  Much like bullying.  If you bully someone, they might go home and kill themselves.  They might show up at school with a knife and slit your throat too.  My point?  There are consequences for your actions, and these must be considered and not taken lightly.  In Hannity’s defense, he is making a gift to her and her child (tax-free) of her $26,000 salary he cost her and vowed to find her another job.  I am sure, which is connections, that she will find another job.  I hope Hannity learned his lesson on this one.

Long Live the Constitution!

Obama’s Obamacare Speech

Posted by Troy on 21st October 2013 in Current Events, Political

And I was just saying to someone two days ago, “At least he’s stopped having people faint when he gives a speech.”  Oh well, there went that.  Did you notice all of his laugh lines failed miserably?  He paused and waited for the laughs…and they weren’t there.  Ouch.  That had to hurt.  So let’s see…what was the take way?  Of course, they had to admit the website was crap.  I do like how he tried to positive spin the “you can apply in person or by phone” bit.  I like also how he talked about how one person would save $150 a month.  Of course, for every one person that saves money, many, many more are going to have to spend money.  He also admits that this is wealth redistribution.  One lady talked about how she was single with two kids and had to pay (throwing a number out there as I don’t remember exactly) $250 a month for medications, but now she is covered and gets the same medications for only $150 a month.  Wow!  So that was a discount then?  Oh, no wait… the difference will be passed to everyone else so that our net premiums will increase by $100 per month (fractionally thereof) to cover the costs.  Insurance is a business, not a charity.  They are not going to take a loss.  They are going to spread the costs to all of their other customers.  Also, there was no mention of people getting their hours cut from 40 to 30.  Of course, youngin’s can rejoice that they can stay on their parents’ tab until 26.  Man…I was so happy to graduate college so I could stand on my own two feet and be beholden to myself.  Now they rejoice to be beholden to their parents until age 26 and to the government for life.  Huh, wonder if they will make the parents liable for the penalty if they opt not to carry their kids if the parents can afford to but the kids can’t.   Socialism at it’s finest.  Punish the parents for insisting their kids be self-reliant.    That’s all hypothetical, but totally conceivable in my mind.  I really see no difference in when you substitute “parents” for “community” or “society.”  Let us not forget too that your choices have changed as well.  You can no longer get that catastrophic plan  on the cheap.  That’s substandard!  I don’t care if you are 23 and in peak health.  You need at least BRONZE coverage, fool.  And, of course, the most precious choice of all…no insurance.  How dare they tell you that you MUST buy anything?  There is nothing more noble that being dependent on yourself AND dealing with the consequences of that choice with dignity.  And of course, Obama let the cat out of the bag when he pointed out “that’s your cell phone or cable bill.”  Wait!  We are subsidizing people who can afford cable TV and cell phones?  Well, crap!  Easy solution!  Why don’t you cut off the cable and your cell phone, and then you will be able to afford your insurance?  Why do you expect others to sacrifice for something that you refuse to sacrifice for?

Long Live the Constitution!

Obamacare showdown – Cruz, Reid, and McCain

Posted by Troy on 26th September 2013 in Current Events, Political

Cruz has drawn a lot of fire from the Left and Media types for his filibuster.  The thing is this, I applaud any politician who stands against a law.  Even if it was 99 to 1, he has every right to do what he did.  I would go so far as to say that he has an obligation to those who elected them to do whatever he can to represent them.  There is something noble in fighting something when you know you are going to lose in the end.  Just think of the 300 Spartans holding off the entire Persian army.  They knew they were going to lose, but they fought anyway.  Standing up for what you know is right is an honorable thing.  Even if you disagree with those people, you salute them even as you take them down.

Reid is spitting fire for those Republicans that are still fighting Obamacare saying “It’s the law of the land!  Sit down and shut up!”  Hell, I guess they should have told that to Martin Luther King Jr regarding Jim Crow Laws.  Right?  Slavery was the law of the land, no need to stop that.  I could play this game all day.  Hell, I just wish that the Democrats would accept that the Second Amendment, that the Constitution itself, is the law of the land and would just sit down and shut up.

Then there’s McCain.  Wrong on pretty much everything, McCain.  The people have spoken!  Really?  Seems like most people don’t like this.  Most people that have political influence have spoken and have managed to get themselves exempted from this so called “law of the land that only applies to people who don’t have the political capital to escape this impending disaster!”

Then there’s Obama himself.  He says he won’t be blackmailed by risking the full faith and credit of the United States.  Never before have I seen a President with so little respect for the office.  He is hyper-inflating our money.  With a slip of the tongue, he got us into a bind with Syria without a win.  He is a narcissist of the highest order.  If the full faith and credit of the United States is that important, he could always give an extension with the stipulation that doing so will cause the Republicans massive losses in the next election.  Of course, that wouldn’t happen because his signature law is so unpopular most of the country would be happy at that outcome, which is why Obama is touring the country STILL trying to convince us that this is the greatest thing since sliced bread even if it is going to cost most people a lot more and give people a lot less.

Long Live the Constitution!

Obama’s Claim that Raising the Debt Ceiling Doesn’t Increase Debt

Posted by Troy on 23rd September 2013 in Current Events

Obama claimed that raising the debt ceiling doesn’t increase deficit spending.  Okay…why does one increase their debt?  So that they can spend more, right?  He mentions some story about buying a truck and then deciding to not to pay the payments.  That’s not the issue.  This is the issue:  Lets say you buy the truck.  Then it turns out that your spouse is spending more money than ever, and you can’t afford the car payments with the current level of spending.  The rational response will be to cut back on unnecessary spending.  You will still pay for the truck, but you will cancel your cable bill.  You will cut off your cell phone.  This is what the Republicans are suggesting.  What is Obama and the Democrats suggesting?  Taking out another credit card.  How would you react if your spouse refused to cut back and instead insisted on taking on more debt?  You would be pissed.  Regardless of the Democrats’ protest otherwise, microeconomics are BASICALLY THE SAME as macroeconomics.  The operations are basically the same.  Finally, does anyone buy this crap about our deficits falling too fast?  When you are in debt, anything that is deficit spending is BAD.  Half of deficit spending is still DEFICIT SPENDING!  It is still digging the hole deeper.  Until we start having MASSIVE SURPLUSES, the Democrats have NO room to talk.

Long Live the Constitution!

Businesses to Sue over Obamacare

Posted by Troy on 15th May 2013 in Political

Now businesses are suing because Obamacare is putting them out of business.  They have to cut full time people back to 29 hours to avoid having to buy insurance.  The costs of compliance is so high that it will destroy some businesses.  Finally, they are starting to question what Obamacare will do to the economy.  It’s about time.  It’s also nice that they are finally figuring out what I have been saying for the last three years.  Actually, if I thought that we would realize the error of our ways and return to the Constitution, I’d be all for letting this fiasco continue.  However, 50% of people are leaches now and 50% are workers.  It’s 50/50 how that’s going to break down once Obamacare re-crashes the economy.

Long Live the Constitution!

Sequestration: We are doomed

Posted by Troy on 13th March 2013 in Political

Sequestration has proved we are doomed, at least if the Democrats stay in power.  Do you realize that by the end of Obama’s term, we will be spending more money than we were last year?  And yet, the Democrats say that this Sequestration is the death of the world.  If we can’t even hold spending steady, we are doomed.  There’s no way around that.

This is on top of the fact that insurance rates are set to increase 20 to 100% in 2014 due to Obamacare.  Thank you Obama for giving everyone healthcare by forcing everyone to buy insurance.  Good one.  Finally, Obama has declared that he will not balance the budget just to have a balanced budget.  That’s insane.  Her’s the trick, and it’s what Washington told us, there is no excuse to use public debt except for in times of war.  That’s it.  I might make an exception for long term capital projects like dams and bridges and roads, but maintenance of this and all other programs must never be funded by debt.  If you do, you have made a recipe for financial ruin.

Long Live the Constitution!