Shocker: It’s not Affordable and Obama Doesn’t Care

In fact, as we have been saying in this space and on The Teri O’Brien Show, Obamacare was never designed to reduce your health insurance or medical expenses. It was always conceived as a wealth and income redistribution scheme to redress the “unfairness” that results when some people, those who finish school, don’t have illegitimate children, and otherwise live as productive members of society, have access to better health care than bums, serial sperm donors and their baby mamas, and the other “victims” of racist, imperialistic Amerika. From USA Today:

More than half of the counties in 34 states using the federal health insurance exchange lack even a bronze plan that’s affordable — by the government’s own definition — for 40-year-old couples who make just a little too much for financial assistance, a USA TODAY analysis shows.

Many of these counties are in rural, less populous areas that already had limited choice and pricey plans, but many others are heavily populated, such as Bergen County, N.J., and Philadelphia and Milwaukee counties.

More than a third don’t offer an affordable plan in the four tiers of coverage known as bronze, silver, gold or platinum for people buying individual plans who are 50 or older and ineligible for subsidies.

Those making more than 400% of the federal poverty limit — $47,780 for an individual or $61,496 for a couple — are ineligible for subsidies to buy insurance.…

The prices of exchange plans have shocked many shoppers, especially those who had plans canceled because they did not meet the ACA coverage requirements. But experts are not surprised.

“The ACA was not designed to reduce costs or, the law’s name notwithstanding, to make health insurance coverage affordable for the vast majority of Americans,” says health care consultant Kip Piper, a former government and insurance industry official. “The law uses taxpayer dollars to lower costs for the low-income uninsured but it also increases costs overall and shifts costs within the marketplace.”

Along with underscoring how high rates are in many places, the analysis could portend more problems for the health law’s troubled rollout. The Congressional Budget Office projected 7 million people would sign up for the law by the end of 2014 and enrollment is already falling several million short of that goal. Insurers need a lot of relatively healthy people to sign up for insurance to make up for the higher cost of insuring the less healthy. Highly subsidized lower-income consumers who haven’t had insurance before often weren’t getting regular doctors’ visits. If many of those making about $50,000 for an individual or about $62,000 in household income for a couple opt out of the new health care system, it will deprive it of some of the counterbalancing effect needed.

Hello, Death Spiral. I hope that the insurance executives who thought it was such a great idea to make a deal with the devil, delighted that the federal government was going to put its boot on everyone’s neck and force each and every one of us to buy their product, have learned their lesson now that the One has thrown them under the bus by saying “Oh, never mind. You don’t have to buy insurance next year after all.” They still have to insure the millions of old and sick people who fell all over themselves to buy “insurance” without any restrictions against pre-existing conditions, which of course is not insurance at all. It is income redistribution, which is where we started this post in the first place.

Thanks to “Affordable Care Act,” Leukemia Patient Losing Insurance and Doc, Out-of-Pocket Costs Increase Almost 600% Minimum

Another Obamacare horror story, this time the sad story of Michael Cerpok, from abc15.com:

Back in 2006, he found out he had an incurable form of leukemia that requires ongoing treatment until he dies.

In 2012, his treatment bill was more than $350,000. But because of his insurance, his out-of-pocket was only $4,500.

That’s about to change because Michael just got a letter from his insurance carrier saying as of January 1, he would be dropped from coverage because of new regulations under Obamacare. His doctor at the Mayo Clinic may be gone as well.
“Now it doesn’t mean I can’t go see my current doctor, but my $4,500 out-of-pocket, is going to turn into a minimum of $26,000 out-of-pocket to see the doctor that I’ve been seeing the last seven years,” he said.
Michael realizes millions of people will benefit from the coverage, but he wants them to realize that others are making sacrifices to make that happen.

Oh, but it’s all worth it so that people like these can get what they so richly deserve from “Obama’s stash,” right?

As we have noted on practically every edition of The Teri O’Brien Show, and frequently here in this space, Obamacare is the mother of all income redistribution schemes. It is the centerpiece in Barack Obama’s grand vision to “remake” racist America (Amerika) to redress the sins of this evil country, founded by slave-owning, white Europeans. It’s time for payback, and folks like Mr. Cerpok have targets on their backs.

For more on Obama’s massive redistributionist plans, which he has been executing very successfully, please check out this excellent piece by Casey Mulligan in the Wall Street Journal, “How America Wrecks the Work Ethic.” Here’s a little tasty morsel from it:

A new wave of redistribution will arrive in America on Jan. 1, primarily thanks to the Affordable Care Act. The president’s health-insurance plan forces those who hire, work and produce to pay full price for health care, while creating generous discounts for practically everyone else.

This second redistributionist wave of the Obama era will follow a first wave of tax hikes, additional unemployment benefits, food-stamp expansions, waived work requirements for welfare benefits, etc. These measures were supposed to be temporary, intended to help people cope with the recession. The recession officially ended in mid-2009, but many of the administration’s measures continue.

Cynical Political Calculation Delays Obamacare Cap on Medical Costs:Your Obamacare Bar Tab

My economics prof always told us “there is no free lunch,” which perplexed me a bit at the time, at first. After all, there was that “free” taco bar during Happy Hour at our local favorite Mexican restaurant, “Manuel’s Mexican Bistro.” Then I realized that there was always a tab to be paid for those fantastic margaritas, and depending on the level of revelry involved, that tab could put a serious dent in a college student’s weekly budget.

I reported to you on Tuesday morning about Obama’s latest “Affordable Care Act” lie, the delay on the cap on individual out of pocket costs. Once again, Emperor O has decided to unilaterally postpone of the provisions of his signature “achievement.” Perhaps passing the complete overhaul (read “destruction”) of our health care system by strong arming it through on a one-party vote using threats, bribery, back room deals and lies wasn’t the greatest idea. Wrong, Bitter Clinger. That’s the Chicago Way, and it was a great idea if the goal was to put a plan into place that was designed to fail to pave the way for the single-payer, European-style socialist medicine in America. That has been a leftist dream for a century.

To understand the reason for that one-year delay on those out-of-pocket caps, let’s return to that bar tab analogy. Pinto, Otter and Bluto go to Manuel’s for a little fun, “free” tacos and, of course, margaritas, which during Happy Hour cost $5. Pinto has one ($5), Otter has two ($10), and Bluto, being Bluto, has four ($20). They each pay their tab. The next day they decide it was so much fun that they are going to go back and do it again. When they arrive, they learn that Manuel’s has a new policy, a $10 cap on individual bar tabs. There is no limit on the group’s tab. It’s just that each patron must not pay more than $10. Manuel is hoping that friends can exert some pressure on each other to be moderate in their alcohol consumption. Sadly, Bluto is unconvinced. This time, when he has $20 worth of margaritas, that extra $10 has to come from somewhere. Otter, who had his usual two, has already paid his limit, so Pinto. who had only one drink, must pay $15.

This delay on the cap on out-of-pocket medical costs is based on the cynical political calculation that there are more health care Pintos than Blutos; that is, there are more people who pay their insurance premiums, in 85% of cases through their employer based insurance, and don’t experience the extremely high costs of those who, due to lifestyle, heredity or just bad luck, consume a lot of medical care. The Obama administration wants to keep all the Pintos from realizing that Barack’s scheme is actually the mother of all wealth and income redistribution plans, which is what will happen when the health care Blutos are protected from paying for what they consume. Hence the delay until after the 2014 elections, when it’s too late to elect the people we need to elect to undo this train wreck.

The only cost savings in Obamacare will come from rationing. Rationing margaritas, especially in Bluto’s case, is probably a good thing. Rationing expensive cancer drugs, or orthopedic surgery to relieve excruciating pain, or any of the other costly medical services that many people require could condemn them to serious suffering or even death.

The GOP has a HUGE opportunity here. Will they be smart enough to take advantage of it?

Mourning in America: Obama’s Inaugural Address

Barack Obama’s 2013 Inaugural Address perfectly reflected his view of America, and presented a stark contrast between the rhetoric and the reality. The rhetoric was all about our need to work “together,” a word that he used seven times, while he revealed the reality in passages such as this one:

We, the people, declare today that the most evident of truths – that all of us are created equal – is the star that guides us still; just as it guided our forebears through Seneca Falls, and Selma, and Stonewall; (emphasis mine) just as it guided all those men and women, sung and unsung, who left footprints along this great Mall, to hear a preacher say that we cannot walk alone; to hear a King proclaim that our individual freedom is inextricably bound to the freedom of every soul on Earth.

Stonewall? Seriously? That reference is not exactly common knowledge to the average American. I would be surprised if one in 100 people in most American towns and villages know what he was talking about. That doesn’t matter, Bitter Clinger. He wasn’t talking to you. He was talking to one of his mascot groups, in this case militant homosexuals, for whom a riot at a New York City bar marks the beginning of the “movement.”

That’s how Barack Obama and his fellow lefties view their fellow citizens, as a collection of “movements,” of people still oppressed in racist, sexist Amerika, and struggling to become “free” by taking other people’s stuff. They slice and dice the electorate into groups, and then try to figure out how much they need to steal from productive citizens to buy the votes of each constituency.

This speech was an in-your-face, full-throated, unabashed defense of his vision of a “remade” America, one in which an enormous, all-powerful federal government redistributes income, and tries to redress the justifiable grievances of every identity politics group into which he can divide us.

How else to account for passages like the following:

It is now our generation’s task to carry on what those pioneers began.  For our journey is not complete until our wives, our mothers, and daughters can earn a living equal to their efforts.  Our journey is not complete until our gay brothers and sisters are treated like anyone else under the law – for if we are truly created equal, then surely the love we commit to one another must be equal as well.  Our journey is not complete until no citizen is forced to wait for hours to exercise the right to vote.  Our journey is not complete until we find a better way to welcome the striving, hopeful immigrants who still see America as a land of opportunity; until bright young students and engineers are enlisted in our workforce rather than expelled from our country.  Our journey is not complete until all our children, from the streets of Detroit to the hills of Appalachia to the quiet lanes of Newtown, know that they are cared for, and cherished, and always safe from harm.

As if, as in, as if we don’t have equal pay laws in this country. The “equal pay for equal work” that feminists demand has been the law of the land since 1963, and the frequently cited statistic that “women earn 77 cents for every dollar men earn” is bogus. Citing those “waiting for hours to exercise the right to vote” conveniently leaves out any mention of his (In)Justice Department’s failure to protect the voting rights of white voters outside that polling place in Philadelphia. Not that the facts matter to the low-information cohort that swoons and slobbers whenever Barack Obama reads anything from his PrompTer. It’s not about reality. It’s about ginning up enthusiasm to “remake” America, remember? The ends justify the means.

He also dredged up some of the rhetoric from the campaign about the “middle class,” and referenced the “takers,” a word that its clear he does not appreciate when applied to recipients of government largess. His obvious displeasure with the use of this very accurate description for many of his supporters demonstrates just how spot on it is.

He also tried to run one of the favorite plays in the left-wing playbook; that is, pretending that we shouldn’t “bicker” about the role of government, but rather seek “solutions” and “do something.” In other words, we should just submit, and pay, of course, like good little subjects.

Progress does not compel us to settle centuries-long debates about the role of government for all time – but it does require us to act in our time.

Liberals, you should be very pleased with this speech. The other eighty percent of the country should be inspired to pray.

~~~~~~~~~~~~~~~~~~~~~~

Politics, Pop Culture, the Hottest Issues of the Day, and Your calls. The Teri O’Brien Show, featuring America’s Original Conservative Warrior Princess, Live and in color, Sundays 4-6 pm Central time  at http://www.blogtalkradio.com/Teri-OBrien. Daring to Commit Common Sense, Fearlessly, and More Important, Cheerfully, in the Age of Obama.

Make My Day: Text “FAN TOBCWP” to 32665

Can’t listen live? Download it from iTunes and listen on demand. 

As one listener wrote “one of the most insightful and entertaining pundits in America. Also, her voice is magical.”

Serious Ideas, Irresistible Entertainment. Warning: listeners may become hopelessly addicted.

 

Mitt Was Half-Right About Last Week’s Loss, But Still Clueless

The denizens of the 24/7 nuthouse, which I watch so you don’t have to, MS-NBC, and other fellow travelers in the Lame Stream Media, are feigning outrage over Mitt Romney’s recent post-election statements, in which he blamed his campaign’s failure to rescue our country from the clutches of the Chicago Mafia on the “gifts” the One has bestowed on his supporters. As I told you here, there certainly were answers to Obama’s argument “Vote for me! I’m giving you free stuff!” Mitt failed to make them because he is not a conservative. Unlike Ronald Reagan, who spent decades reading, writing, analyzing and honing his conservative message, a message he understood in his bones, Mitt tried to speak conservatism as a second language, which is why the obvious answers weren’t there, and why he is left throwing up his hands saying “what am I supposed to do? I can’t compete with free stuff!” Wrong, but you need to articulate a clear message about free people, free markets, and prosperity, and why government dependency starts out as a cozy, comfy little hideaway from cold, cruel reality, and ends up being an inescapable prison.

So, there is no-brainer answer to the Obama stash appeal, which the Romney campaign failed to deliver, even though Mitt himself admitted that “tax the makers to give to the takers” has been the democrats’ playbook for at least 75 years. That failure is only half the problem, though.

As former Senator Phil Graham famously stated, when you rob Peter to pay Paul, you are guaranteed the vote of Paul. That’s the Cook County vision that Barack Obama has for the whole country. In addition to not understanding the need to respond to the “free stuff” appeal with the alternative, freedom and prosperity, by explaining it to Paul, Romney missed the need to appeal to Peter. When Mitt says that the takers were incentivized to turn out, he is correct. What about the makers? What about the 3 million voters that turned out for John McCain, but not for Mitt Romney? Could it be that the Romney campaign didn’t make it clear to them what was at stake, which is basically America as we know it? Paul was ready to show up, and did. Peter didn’t think it made any difference because those responsible for making the case to him didn’t do it, so he stayed home.

Now the Left has gone into their feigned outrage mode, hoping to silence any discussion of the dirty little secret; that is, there ARE takers, and the democrats DO confiscate wealth and income from the productive to buy their votes. They want to make that subject off limits because if we talk about it, the people might actually learn the truth.