Posts Tagged ‘ACA’

“Well, this is it. Today is your last chance to enroll in a medical insurance plan under Obamacare. There will be no exceptions, other than people who haven’t yet enrolled. And if you don’t have insurance, you will pay a penalty. Make that a tax. Unless the tax would be a hardship in any way, in which case just don’t pay it and the IRS will be totally cool.” — JAMES TARANTO (WSJ)

So today is the first (of many) final deadlines to sign up for Obamacare.

    Here are a few things we know (or can logically deduce since information from the administration is rather sparse):

  • 4 out of 5 plans are subsidized
  • 3 out of 4 now have a higher premium
  • A large majority of those who have signed up already had insurance before (it was just canceled because of Obamacare).
  • Of the 30 plus million who didn’t have insurance before, only about 1 million (3%) (maybe) are now covered. That’s OK (as far as the left is concerned) healthcare was not the goal here. Control was the goal.
  • Billions (in tax dollars) will soon be paid to the insurance companies (it was part of the bill) in a planned initial bailout. It’s why the insurance companies signed on to the scheme in the first place.
  • The administration will be touting the over 6 million “enrolled” but claim (a lie) that they don’t know the percentage that have actually paid.
  • The administration also claims (a lie) that they don’t know the percentage of young (healthy) versus old.
  • The administration doesn’t see fixing Obamacare as a technical or logistical problem. A better message is what is needed.

Obamacare (the Affordable Care Act) comes down to another ill-conceived, bureaucratic, behemoth, debacles, pushed on America by the left. In the long run it may work… in the since that it becomes another popular entitlement pushing us (actually our children and grandchildren) with even greater momentum to hell (insolvency). But control and government dependency in the meantime is the goal of the left and eventual hell (insolvency) is a small price to pay for that.

In the short term (2014 & 2016), let’s hope there is a price to be paid by Obama but more specifically his Party. We’ll see.

But good news for the left… in the end you win. We can no easier turnaround from this fate you have set us on than turn back the tide. Conservatives may manage to build a dam of sand but really we have no chance of fixing this. Obamacare is not the problem, but rather a symptom of the real disease of socialism slowly replacing the great experiment of freedom and self-determination.

Heathcare - dot gov

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IngsocTo sell Obamacare to the public, payments to the IRS were billed as “not a tax” and it was billed as “not a tax” for a long time. Then came the Supreme Court challenge and the lawyers realized there was no way for the “law” to be upheld unless it was… a tax… so in the halls of the Court it was… a tax. But that hurdle has been cleared for some time and it’s back to appearance trumping substance. So when’s the last time you heard of the penalty to paid for not getting insurance (Obamacare or otherwise) described as a tax again (by someone other than a conservative).

The IRS is certainly not going to make that mistake. They they know who they serve. (Hint: It’s not the people, it’s the left.)

“If you (or any of your dependents) do not maintain coverage and do not qualify for an exemption, you will need to make an individual shared responsibility payment with your return.” — IRS Term for the Obamacare Mandate Tax

George Orwell’s Big Brother would be proud.

Meanwhile the “investigation” of IRS abuse continues…

Political Cartoon - 2014 03 07 - IRS Investigation - (Glenn McCoy)

This is the reason the IRS needs to go away… but then, that could be said about most government agencies.

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But always — do not forget this, Winston — always there will be the intoxication of power, constantly increasing and constantly growing subtler. Always, at every moment, there will be the thrill of victory, the sensation of trampling on an enemy who is helpless. If you want a picture of the future, imagine a boot stamping on a human face — forever. — George Orwell (1984)

We control life, Winston, at all its levels. You are imagining that there is something called human nature which will be outraged by what we do and will turn against us. But we create human nature. Men are infinitely malleable. — George Orwell (1984)

Obama - Dictator - 1984

King - PoopThe new leftist mayor of New York, Bill de Blasio, recently came up with a 62 point safe street initiative; an aggressive plan to curb traffic accidents and deaths in the Big Apple. He personally shot a public service announcement announcing the crackdown. That public announcement included the words “We’ve put a very bold plan before you, and we want the public to know we are holding ourselves to this standard.”

And a day or two later… de Blasio is seen in his (chauffeured) car totally ignoring New York traffic laws. His cars (two in the caravan) routinely were documented speeding (sometimes 20 or 30 mph over the limit), blowing through stop signs, and breaking all kinds of traffic laws. The reporter who documented all this noted enough infractions that the driver’s license would have been legally suspended had he actually been held accountable.

When the mayor finally commented on the incident, he took a page from his President and threw his driver and the NY Police Department under the bus. It seems the police are in charge of his transportation and he was just an innocent passenger, begging them to obey the law the whole time. His response is, of course, bull shit; but more than that its royalty dismissing out-of-hand a petty concern of his subjects.

The issue here isn’t the ignoring of the law so much as the prevailing attitude among many the elites in government, Hollywood, and the ultra-rich.

Movie - Monty Python Holy Grail - Peasants

When de Blazio comes up with new rules and laws concerning how you should drive in New York… those restrictions are meant for YOU, the little people, the serfs. It never occurred to the mayor or anyone in his organization that those rules or laws would ever apply to him. Even when his own words in the announcement said “we are holding ourselves to this standard”, thinking those words had meaning would be ludicrous. It’s the mind-set of these jerks.

And I don’t want to just pick on the mayor of New York here. This is a common belief system among the elites.

People - Gore, Al - Nobel PrizeWhen Al Gore says you need to reduce your carbon footprint. He doesn’t include himself in that. He’s too important. He’s the exception… along with every other elite prick pushing global warming. Jets, mansions, limousines? At best they offset that by buying carbon credits from one of Al’s companies; Al paying Al for permission to do as he pleases. What it really comes down to is; it’s us little people who must pay and obey.

When Obama and the Democrats pushed Obamacare on us; it was under the guise of providing for the little people. And while it’s true the law does give subsidies to the poor… what is says to the middle class is “buy this crap or pay a fine”. Again, it’s the serfs who must obey. When Congress realized they forgot to exclude themselves or their employees they threw a hissy fit about a “brain drain”. Their solution? Have the bureaucrats declare “Oh, the law doesn’t apply to you guys after all”. And why should it? As if they were serfs like the rest of us.

Foreign diplomats and United Nations guys get a pass on certain U.S. laws? Understandable in theory; we don’t want our guys harassed over there. It’s a quid pro quo; except the practice is heavily abused. Why? They’re not like us. They’re not serfs.

The IRS screwing the tea party guys in coordination with the ATF, Justice Department and other government agencies is partly due to the attitude of those pulling the strings saying “Who do these serfs think they are? We’ll show them their proper place…”

The list of abuses goes on and on and on… Eventually (one would hope) the serfs have to say, enough is enough. The concept of the rule of law must be reborn in the psyche of this nation. Laws must apply to everyone… even these elites. Accountability must be brought to bear. But the system is so screwed up that law and accountability are out the window… probably irreversibly.

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Government Bailout - Uncle Sam and PigsA follow-up on the earlier blog concerning the build in bailouts for the insurance companies, built into Obamacare.

Robert Laszewski—a prominent consultant to health insurance companies—recently wrote in a remarkably candid blog post that, while Obamacare is almost certain to cause insurance costs to skyrocket even higher than it already has, “insurers won’t be losing a lot of sleep over it.” How can this be? Because insurance companies won’t bear the cost of their own losses—at least not more than about a quarter of them. The other three-quarters will be borne by American taxpayers.

For some reason, President Obama hasn’t talked about this particular feature of his signature legislation. Indeed, it’s bad enough that Obamacare is projected by the Congressional Budget Office to funnel $1,071,000,000,000.00 (that’s $1.071 trillion) over the next decade (2014 to 2023) from American taxpayers, through Washington, to health insurance companies. It’s even worse that Obamacare is trying to coerce Americans into buying those same insurers’ product (although there are escape routes). It’s almost unbelievable that it will also subsidize those same insurers’ losses. — National Review

Mr. Laszewski has a pretty good blog on the healthcare industry in general which, of course, address Obamacare in particular.
(Link to Blog Here)
(Link to Referenced Post Here)

One of the main things he’s pointed out is that the bailout of the insurance companies for the first three years (2014 through 2016) in intended to do two things.
1) Attract more insurers than would otherwise participate
2) Give those insurers incentive to not worry about losses those first few years so as to keep prices lower.

With this in mind that makes Obamacare even scarier. The massive price and deductible increases we’re seeing are actually underpriced because of the promised bailouts. The real screwing is delayed until 2016; but Mr. Laszewski says the insurers won’t wait that long. (see below) The fact that the screwing is built into the plan in the first place is unacceptable.

Again… I say we let these bastards know right now that they are not entitled to our money; even if Barack Obama promises it to them. Repeal the bailouts ASAP.

Some quotes from the posting:

Obamacare contains a $25 billion federal risk fund set up to benefit health insurance companies selling coverage on the state and federal health insurance exchanges as well as in the small group (less than 50 workers) market. The fund lasts only three years: 2014, 2015, and 2016.

The statute very specifically limits funds collected to $25 billion over the three years––$12 billion in 2014. The source of these funds is the Obamacare $63 annual “Belly Button Tax” assessed on almost all people covered under a health insurance plan.

The reinsurance program has done and will continue to do what it was intended to do; help attract and keep more carriers in Obamacare than might have otherwise come.

Does this mean that health plans would be happy to see their plans underpriced in the first year, as well as the second and third year? No, they will not have any incentive to see their products dramatically underpriced the first three years only to see their prices zoom in the fourth year and create havoc.

But, my sense is that health plans, because they are so insulated from big losses, will generally stand pat with their 2014 rate structures for 2015––no matter how bad the early claims experience looks. I expect that the health insurance industry will be content to give the Obama administration one more chance to reboot Obamacare in the fall of 2014, when the 2015 open enrollment takes place.

But that is all the patience I see the industry having. While they will continue to be protected from losses in 2016, two years will be enough patience for them and they will be eager to at least begin to transition their rates to the proper level in 2016 rather than face a huge adjustment in 2017 when the reinsurance program ends.

What consumers/voters will be thinking about Obamacare come November 2014 is still to be determined. But insurers won’t be losing a lot of sleep over it.

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Government Bailout - Uncle Sam and PigsI love Charles Krauthammer! The man is a genius and sees through all the bullsh!t. Though I already knew many of the details of his column, (Stop the Bailout – Now) he is concise and right on the money on the facts and what should be done about them.

So, who’s up for screwing the Insurance Companies? I know I am! And I think we can get our leftist buddies to help. Compromise and common ground after all is what I’m all about. 🙂

Getting the Left’s Support:
The left hates the fact that the banks were bailed out. Those fat-cat capitalists’ bastards stole our money. And let me give the left some credit. They’re right on this one. The banks never should have been bailed out. The left is less adamant about the General Motors bailout (because of the unions), but the honest lefties (both of them) 🙂 know any form of bailout is wrong. My key point here is, hopefully the nation (left, right, and middle) is burnt out on bailouts.

Repealing the Insurance Bailout:
So let’s make sure they don’t happen in the future (near or long). And one of the timeliest things we can do to ensure no more bailouts is repeal the bailout built into Obamacare for the insurance companies. It’s not widely known about (thanks the leftist media lapdogs), but it’s there.

Section 1341 of Obamacare levies a fee on everybody insured ($63 a head) to raise billions of dollars give to… (Section 1342) the insurance companies that suffer losses due to the Obamacare transition for the first several years.

Government Bailout - ObamaWhy the Bailout is There:
These bailout details (where the devil resides) were drafted by Obama (and his minions) when the behemoth was written. It was meant to bribe the insurance companies into supporting Obamacare; and it worked. The fat-cats were given a choice by Obama. Continue with the current model of market-place competition (though that term is used extremely loosely considering the government regulations), OR join me and I’ll hand deliver enrollees and force them to buy your product. As a show of good faith, I (meaning taxpayers) will bail you out of any losses for several years to come. So with these two promises in place, the fat-cats made a figurative ‘deal with the devil’.

But NOW the devil hasn’t lived up to his first promise; suckers (that’s us) forced by law to sign up. Two things stopped him from delivering. 1) The debacle of a web site & 2) The penalty for not signing up isn’t onerous enough (which ironically is what Roberts used to rationalize holding up the law as constitutional).

That’s OK though… the insurance companies know, plan B is already in the law. Money from Uncle Sam (that’s us again) is forthcoming. That money is the whole reason despite everything, even being slandered by their partners in crime, they’re not squealing like stuck pigs. Every change Obama has had to make in his scramble to salvage this debacle has screwed them, those changes would bankrupt them if not for… you guessed it… the coming bailout.

Krauthammer described the scenario perfectly:

“On Dec. 18, the chairman of the Council of Economic Advisers was asked what was the administration’s Plan B if, because of adverse selection (enrolling too few young and healthies), the insurance companies face financial difficulty.

Jason Furman wouldn’t bite. “There’s a Plan A,” he replied. Enroll the young.

But of course there’s a Plan B. It’s a government bailout.” — Charles Krauthammer (Jan. 2014)

Making Them Squeal:
These two sections (1341 & 1342) of Obamacare need to be repealed. Not the whole thing… just the bailouts.

The conservatives should do so immediately and should invite the left to join them. Two types of liberals would join the cause… 1) the honest ones (both of them) 🙂 and 2) Those wetting their pants at the prospect of facing voters tired of bailouts. That should be enough.

Of course, before riding the train wreck of Obamacare into the fires of insolvency… the insurance companies would bail. From a conservative perspective, that’s OK. From a liberal perspective, you guys should be cutting your losses anyway. 🙂

As Krauthammer concluded:

“Who can argue with no bailout? Let the Senate Democrats decide: Support the bailout and lose the Senate. Or oppose the bailout and bury Obamacare. Happy New Year.” — Charles Krauthammer (Jan. 2014)

Government Bailout - Piggy Bank in Water

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TV - Simpsons - Old Man Yells at CloudLet me give an elderly observation to you youngsters out there. Here is what I’ve found is a sure sign that you’re getting old. I noticed this in my parent many years ago and see it in myself today. And here it is…

You know you’re getting old when… You don’t understand advertisements…

No, I’m not talking about senility; though heaven knows that argument can be made in the case of my parents and myself. No, I’m just talking about things like reaching the end of a commercial and wondering what they were selling or thinking the message was insulting, stupid or both.

Your first reaction is this is a generational thing; an aspect of dam kids these days are this that or another. But I have to remind myself that surely kids (twenty-somethings) aren’t really as bad as they are depicted by these ad agencies. Surely the advertising guys are the idiots in all this.

Take for example the pushing of Obamacare to the millennials. The left needs them to sign up in droves to subsidize all us less healthy old people; so they’re spending hundreds of millions of dollars on advertising directed at the youths. (Every time I hear or use the word “youths” I think of Jocelyn Elders who would drop the “th” sound for just a “t”. Something like “yoots”… which sounded like a term for an exotic baby deer or antelope or something. I think it was Elders… Anyway another sign of getting old is getting off track, but that’s beside the point.)

The first round of advertisements directed at youths depicted a bunch of (to be blunt) promiscuous sluts hooking up because they have free birth control, and a bunch of brain dead drunk frat boys balancing on kegs of beer.

Now come one. Someone tell me this isn’t a generation thing. This can’t just be me. I see those advertisements as insulting. It says the left sees millennials as shallow reckless idiots. Granted, those three things a perfect combination for voting Democrat; but still, to just come out and say it? As a young man in my twenties, I would have been insulted to be thought of and depicted in such a manner; and I’ve got to hope that society hasn’t degraded to a point where that reaction isn’t shared by young people today.

Now… Obama’s bunch has moved on to their next advertising push. This is centered around the premise that it’s a civic duty to discuss health insurance with family and friends over the holidays. Of course, that discussion assumes your target hasn’t actually gotten quotes on plans and realized their price and deductibles have doubled in the last few months. This conversation idea is about as stupid the other leftie push of convincing older lefties to buy health insurance for their kids as a holiday gift. Notice it’s just a holiday gift (as opposed to Christmas) if it’s given by a leftie.

The very thought of such an encounter makes me pine for a leftie friend or relative I could sit around and reminisce with over the holidays; holding my breath in anticipation; hoping they will breach the subject… C’mon… C’mon you know you want to… and then POUNCING on them like a rabid wolverine! Alas, I have only one leftie friend, and won’t get to see him over the holidays. And he is much too smart (and knows me too well) to fall for that anyway. And within, my family… I’m the liberal. 🙂

And on not understanding this advertisement even further. As the “spokesman” to get youths talking and signing up over the holidays… Obama’s bunch released “Pajama Boy”… a beta smirking, hot chocolate drinking, onesie pajama wearing, doofus.

201312 13 - Obamacare - Pajama Boy - 001

This guy looks vaguely like a cross between androgynous Saturday Night Live character “Pat” and Rachel Maddow. There is no way I could concentrate on the subject of health care talking to the likes of this guy. As a male, all I would be able to think about would be how bad I want to give this little liberal pansy wedgies (which are hard to do in onesie pajamas) and indian burn. And I can only assume the female reaction would be something like, “What is he talking about? Birth control is cheap even without Obamacare… not that Loser McPanzyass here would ever find that out.”

201312 13 - Obamacare - Pajama Boy - 002

These guys pushing Obamacare are supposed to be smart. I just don’t get it; and can’t figure out if they’re the idiots or I am.

So let me end this post with a few more pieces of old-man advise.

First, in the off chance that someone in your family or circle of friends saw this ad; I’d lay off the Obamacare talk. You don’t want anyone associating you with this crap; especially an older brother who might want to relive the bygone years of torturing you.

2013 12 00 - Obamacare Identity TheftSecond, if you’re considering signing up through healthcare.gov that’s OK with me. It’s a free country. BUT if I were you I’d make dam sure I’m the last one to do it. It is OBVIOUS from an IT (Information Technology) perspective that these guys gave no thought to security. Zero. And there is no indication they’ve addressed those issues or even intend to. To them solving the security problem is a question of adequate rhetoric.

Target (who actually considered and tried to implement security) just lost the personal financial information on MILLIONS of customers. Giving any useful information to healthcare.gov is just asking for trouble. And by the way, signing up over the phone doesn’t help. You’re just giving your information to a “navigator” who has had zero criminal backgrounds checks so he/she can put the information into the same insecure online system you just avoided. Yeah… that really helped your odds.

Third, please let this whole debacle educate you now that government is practically NEVER the answer for anything. As a matter of fact it is almost always the reason for the problem in the first place, health care included.

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Time - Obama Broken Promises[Time “Magazine” recently posted the Headline “Obamacare, Broken Promises, What it Means for this Presidency”. One might take this as an abandonment of Barack Obama by one of his many Main Stream Media co-conspirators. And to the extent that one of the Main Stream Media can do that… it probably is; but there are a lot of caveats and equivocations in their article. Again, this is about as close to objectivity and honesty these guys can muster.

I read the “critical” article by Time (or at least part of it) and didn’t agree with much of it. So I thought I’d give an analysis…

The article is by Nancy Gibbs. I don’t know all of here left-wing credentials and just don’t have enough interest to look them up…]

A good President needs a big comfort zone. He should be able to treat enemies as opportunities, appear authentic in joy and grief, stay cool under the hot lights. But humility doesn’t come naturally to those who decide they are qualified to run the free world.

[Thinking about this I can’t say that I see that. Yes Obama is one of the worst Presidents in the last century. And one of his main faults is his hubris. And this is a flaw in one’s character shared by many in power. So the supposed cause of being a bad President is established. But the cause quoted doesn’t equal failure when you look at others in the pool. If fact, there are a lot of genuine @ssholes who thrive on the stuff (hubris) and use it to great advantage; especially in the business world. Also… the 2nd worst President in the last century was in fact missing this character flaw. (It’s no wonder the left embraces the “science” of global warming aka. climate change).

So, the cause/effect isn’t there. But it sounds nice. Americans do after all like to pretend that we want our Presidents to be honorable men… then we elect men like Obama throwing that theory out the window. Time (through Nancy Gibbs) just has a buyer’s remorse thing going on. If healthcare.gov had been half-way competent, Obama would still be a prick and a liar… but they would still be carrying his water.]

So the sign that the Obama presidency had reached a turning point came not when his poll numbers sank or his allies shuddered or the commentariat went hunting for the right degree of debacle to compare to the rollout of Obamacare. It happened when he started apologizing. In triplicate.

[Which is a half-truth at best. So I guess a little water carrying is still in order at Time. Obama’s apologizing was of the non-apology sort.

“I’m sorry you didn’t understand that what I said (36 times on record) didn’t mean what you thought it did.”

“I’m sorry that the web site sucks because it hurt me and what I want to do…” (Literally he said “given that I’ve been burned already with a website (oh crap, did I just say that) – well, more importantly, the American people have been burned by a website that has been dysfunctional” No Mr. President no need to correct yourself, we understand exactly what you’re saying the first time.)

Anyway the “in triplicate” part was just new spins on the non-apologies that were polling or working as well as the White House hoped.]

For not knowing what was going on in his own Administration. For failing to prevent his signature achievement from detonating in prime time.

[There is little doubt that the President is sorry that things didn’t go according to plan. He is sorry that the Main Stream Media (the likes of Time) feel that this is such a debacle that they can no longer carry his water and retain their credibility. He is sorry… But make no mistake about it; he lied. And he knew he was lying, and he knows the left designed this law with full knowledge and intent to cause the millions of insurance cancelations. The only fly in the ointment was their ineptitude in creating a system by which the serfs could comply and become more dependent on the government.]

For not telling the whole truth when he promised people that Obamacare would not touch them without permission: “If you like your health care plan, you can keep your health care plan.”

[Time just can’t quite drop the pretense. “Not telling the whole truth” implies some truth was intended. That intent was NEVER there.

Obama’s supporters can decry a “feeding frenzy,” but this is a critical moment for a President whose agenda for a second term amounted to little more than being not as lame as the other guy.

[Again I disagree. We would be knee deep in amnesty right now if not for the Obamacare debacle.]

The HealthCare.gov website may or may not get fixed on deadline, the senior staff may be booted and rebooted, but it is already too late to avoid a pageant of media scrutiny,

[Obviously (just from this article) very limited and white-washed media scrutiny. Any chance of this “scrutiny” with Benghazi or Fast and Furious? We all know the answer. Abandonment can only go so far and looking into these debacles might hurt people (leftist) we plan on carrying water for in the future.]

Republican merriment,

[Finally, we agree. I (a conservative, not a Republican) do take great pleasure in Obama’s pain right now. Not for the fact that Obama is in pain so much as the fact that ineptitude, corruption, and maliciousness have been forced to take a step back. That is good for America. It’s something we haven’t seen in a long, long time and it’s something we really need a little bit of right now.]

a rebuke even from Bill Clinton

[Just trying to smooth the road for Hillary… it’s nothing personal, though I don’t think Bill likes Barry, and he does realize that Obama is barely qualified to even serve him coffee; much, much less run the nation.]

and a host of existential questions: Can this policy be saved?

[Let’s hope not. And let’s hope the legacy of this policy nixes the road to socialized medicine for decades to come.]

What is left of Obama’s second term if it is consumed by fixing an unpopular policy from the first?

[Again, let’s hope very little. He’s done enough damage for one man.]

How could a White House appear so confident and incompetent at the same time?

[Easy, because that is the very definition of leftist bureaucracy and big government; which at his core, this President really believes in.]

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[(Belly laugh) Yeah… No thank you. I would send actual money to Time “Magazine” no more than I would the Democratic Party. And for the same reason.]

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