Thursday, October 19, 2017

The Abysmal Fiscal and Financial Skills Of American Politicians

We have often discussed how absolutely horrid the American political class has been in managing the fiscal affairs at all levels of government in this country:

  • The Washington political class has run up a whopping $20 TRILLION in national debt, doubling the debt in just the eight years of the Obama administration.
  • The per person Federal debt comes out to roughly a $61,000 debt burden for every man, woman, and child in this country, or almost a quarter of million dollars for a family of four.
  • Just the three state governments of Illinois, New Jersey, and California have hundreds of billions of dollars in unfunded liabilities coming due in the coming years.
  • The state government of Illinois is so dysfunctional that they have not been able to pay out state lottery winners due to their budget crisis even though they continue to sell state lottery tickets, a bait and switch strategy that would get everyone else thrown in jail for running such a fraudulent scam.
  • Local governments across the country like Detroit, Michigan and Stockton, California have filed for bankruptcy protection since they already could not meet their fiscal obligations and promises.
  • And Puerto Rico was a financial and economic basket case before it was devastated by Hurricane Marie.
What often happens is that these politicians at each level of government get themselves and their constituents into a death spiral: they need more tax revenue to fund the financial promises they made which depresses economic growth which reduces tax revenue which results in higher tax rates which depresses economic growth more, etc., etc.

We recently came across a useful analysis from the League Of Power website by Mark Patricks which offered the following question and then proceeded to try and answer that question: “Which American Cities and States Will File Bankruptcy Next?” His analysis updated many of the discussion we have had and have listed above on how the political class are pretty inane and useless when it comes to fiscal sanity:

  • The state of Illinois recently raised its state income tax 32% as it has entered into the fiscal death spiral.
  • The unfunded government liabilities, outside of the Federal $20 TRILLION national debt, is between $5 and $8 TRILLION, a hole that even massive tax increases may not resolve.
  • Political promises are so bad in Chicago that over 60% of the city’s tax revenues goes solely to supporting the pension requirements of retired city workers and the city’s massive debt load, leaving less than 40% of the tax revenue to be used for schools, roads, etc.
  • According to the article, “Lubbock, Texas; Atlanta, Georgia; Pittsburgh, Pennsylvania; Austin, Texas; Baton Rouge, Louisiana; Honolulu, Hawaii; Dallas, Texas; Oakland, California; Phoenix, Arizona; Houston, Texas; and Los Angeles also have huge liabilities that are just under the range of Chicago's.”
  • In each of these cities, at least 50% of their tax revenue is used to fund their city’s past promises on pensions and for debt payment.
  • JP MorganChase says that any city with a figure of more than 30% of their tax revenue being used for pensions and debt management will find it difficult to invest in infrastructure, bond repayment, pensions, non-pension spending, and other expenses.
  • JP MorganChase estimates that the city of Honolulu could only fix its budget problems with at least a 30% hike in taxes or a 76,000% increase in worker pension contributions, either of which will likely never happen in time to avoid an eventual fiscal implosion.
  • City government pensions in Chicago, Dallas, Phoenix, and Pittsburgh are considered by JP MorganChase to be in “crisis” mode since their future pension payouts are funded at 55% or less with Chicago’s funded pension payouts are only at 23%, a level that will drop to a mere 15% in 10 years if nothing is changed.
  • A study by the moving company, United Van Lines, found that the top six states with the highest out migration rates have an average taxpayer burden that is five times higher than the nine states with the highest in migration rates, which is part of the death spiral discussed above: the higher the taxes the more likely citizens will move to more tax-friendly states which leaves their past states with a smaller tax base which requires higher tax rates which drives up more out migration and the death spiral is in place.
  • Chicago was found to have the highest out migration rate, not surprising given its putrid fiscal situation and high tax rates.
  • Not only is Chicago in an out migration and economic death spiral, but the whole state of Illinois is in the same condition, having led the country in the out migration rate for three years in a row.
  • But this situation in Illinois is not surprising since Forbes ranked Illinois as having the 46th worst tax burden in the country BEFORE the state raised income tax rates 32%.
  • In lower taxed northwestern Indiana, on the Illinois border, home construction was up 19% in 2016 while in Cook County, Illinois, home of Chicago, home construction is down 6%.
  • As people have migrated out of Chicago, home values have dropped leaving the city with one of the highest rates in the country for mortgages being “under water,” i.e. the amount of mortgage owed is more than the value of the homes.
Economic death spirals all over the country as people decide how best to keep their hard earned money away from politicians that have over promised goodies to their voting blocs over the years without regard to the fiscal consequences. And people will do what is best for themselves and their families and move to situations where they get to keep more of what they earned.

The really sad part of the whole fiscal insanity of American politicians is that while we have these mountains of debt we have nothing to show for it. Our roads, bridges, and dams are falling apart across the country. Our public schools still under educate our kids. Our electric grid is outdated and subject to attack and disruption. Our social welfare programs, Social Security, Obama Care, Medicare, and Medicaid, are rushing quickly into insolvency. We have no national energy strategy or plan to make us energy independent. We have not cured the major diseases of our times including cancer, Alzheimer’s and dementia illnesses, Parkinson’s disease, etc. We have nothing despite the tens of trillions of dollars in debt.

So don’t worry about Trump and the Russians. Don’t worry about Hillary and the Russians. Don’t worry about any other issue at the state, local, or Federal levels. Because unless we fix our debt problem very soon, that dam is going to break and the red ink that it is holding it back will wipe out every other paltry political issue that exists today.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w







Monday, October 16, 2017

October, 2017, Part 5, The Unfolding Disaster That Is Obama Care: Real Stories Of Real Sufferings of Real Americans Under a Really Bad Law

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

As we often do each month in the last post on the unfolding disasters of Obama Care is we highlight the real hassles, problems, and health threatening events that the law has caused real Americans. From higher premiums and deductibles to lost coverage to lost access to preferred doctors, the Obama Care legislation has caused real agony across America, agony that does not appear to be registering with the Washington political class, given their inability or non-desire to fit what they have broken. As always, our source of these heartbreaking stories is:

www.ourhealthcarestories.com

MARK, IDAHO - Mark A. York, a 60-year-old freelance writer in Hailey, Idaho, said he began shopping after he received a letter saying that his current insurance policy would be canceled because it did not meet the requirements of the health care law. In the exchange, he said, he found policies with premiums similar to what he is now paying, $440 a month, but “the deductibles were so high — $4,000 to $6,000 a year — that it defeats the purpose of having insurance."

SALLY - MICHIGAN: I live in Michigan and today I took my car in for routine service. My family dealership has recently been sold to a multi-brand company with over well over 50 employees. When I was checking out and talking to the cashier, she told me that she and all the other office and service workers were given at least 40 hour work weeks and the family dealership paid for their health insurance. Now, she told me, most of the employees had their hours cut to 34 per week so the new company did NOT have to pay for the health insurance under the new Obamacare rules. The costs to the new company, with all the minimum requirements, was just too great. This was costing her, a hard working office person in a car dealership, pay for 6 hours per week and an additional $300/month to foot the bill for her own health care. These rules are negatively affecting the working class people which was NOT the way it was sold to the American public. This is a real life example of just that.

KATHLEEN- MICHIGAN: Kathleen Forster, 64, a retired interior designer in Grosse Point, Mich., who received a cancellation notice in the mail several weeks ago, said she holds no hope that her provider, Blue Cross Blue Shield of Michigan, will rescind the cancellation notice it sent her and her husband several weeks ago.

"Why would they?" Forster said. "They jumped through all these hoops to come up with something new. Now they are going to rescind that? To make President Obama look good?"

The Forsters ended up buying a new policy from Blue Cross that meets the ACA requirements. Their premium ticked up from $762 per month to $820; their deductible shot up from $1,000 to $12,000.

LARRY - NEVADA: The hospital bills are hitting Larry Basich’s mailbox.

That would be OK if Basich had health insurance. But he doesn’t.

Thing is, he should be covered. Basich, 62, bought a plan through the state’s Nevada Health Link insurance exchange in the fall. He’s been paying monthly premiums since November.

Yet the Las Vegan is stranded in a no-man’s-land where no carrier claims him, and his tab is mounting: Basich owes $407,000 for care received in January and February, when his policy was supposed to be in effect. Instead, he’s covered only for March and beyond.

Basich has begged for weeks for help from the exchange and its contractor, Xerox. But Basich’s insurance broker said Xerox seems more interested in lawyering up and covering its hide than in working out Basich’s problems. Nor is Basich the only client facing plan-selection errors through the exchange, she added.

Xerox, meanwhile, said it’s working every day to fix Basich’s problem, and its legal counsel is routine.

In the rollout of the Affordable Care Act and its insurance exchanges, you can find a success story for every failure. But Basich’s case is extreme.

LINDA - CONNECTICUT: I am self employed and my insurance premium increased by $307.00 a month. Guess I'll stop eating! Not only that but at the age of 58, I'm required to carry maternity coverage! To further add insult to injury, my prescription which was costing me $26.00 a month is now costing me $87.00 per month.

MAXINE - NORTH CAROLINA: My husband and I had United Health Care's Medicare Advantage Plan for the past couple of years. It was very cost effective, and my husband and I were quite satisfied with it. However, last October we received a letter from UHC stating that due to the Affordable Care Act our plan was cancelled, no other information given at that time. We were quite upset about this and decided that we had to find another alternative; having only Medicare was not an option. After doing quite a bit of research, my husband finally came up with the best solution. We both enrolled in BCBS of North Carolina, called a supplement, but is basically an advantage plan that includes drug coverage. I got one of the best plans, and my husband chose a lesser plan (as he has VA benefits). Now we will be paying about $2,300 yearly for health coverage, which fortunately we can manage financially despite having Social Security as our primary source of income. (I feel sorry for those who can only afford Medicare.)

P.S. We finally got another letter from UHC offering us a supplement plan that was even more expensive than BCBS. However, we had already decided that we wanted nothing more to do with United Health Care!

Forced to pay higher costs, forced to buy coverage they will never need, forced to find new doctors, forced to cut workers’ hours, you could not have come up with a more destructive law if you tried. And each month the disasters keep on unfolding. More suffering next month for sure.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now: http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w







Sunday, October 15, 2017

October, 2017, Part 4, The Unfolding Disaster That Is Obama Care: Stopping Illegal Insurance Company Payments and Giving Freedom and Power Back To Individuals

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

1) There has been so much done in the name of Obama Care that was either illegal or un-Constitutional. One of the likely un-Constitutional actions taken under the Obama Care umbrella was killed off by Trump last week. He signed an executive order that terminated the illegal and un-Consitutional payments to insurance companies 

These payments were called cost-sharing reduction payments (CSRs) that were made directly to insurance companies to help them offset their potential losses under Obama Care’s tenets. This action has absolutely no bearing on the Federal subsidies that low income Obama Care customers receive legally under the Obama Care legislation, they are strictly bribery payments directly to insurance companies to entice them to continue to offer Obama Care policies.

This termination follows court actions that Congressional Republicans took in which they rightfully argued that Congress never approved such payments and thus, under the articles of the Constitution, they were illegal. After two years of legal motions and arguments, a Federal court ruled that their complaint had legal validity and would be allowed to go forward.

Part of the White House press release read as follows and highlighted the reasons for the termination: “The bailout of insurance companies through these unlawful payments is yet another example of how the previous administration abused taxpayer dollars and skirted the law to prop up a broken system. Congress needs to repeal and replace the disastrous Obamacare law and provide real relief to the American people.”

This closes out another disaster from Obama Care, a piece of legislation that was so bad that insurance companies had to be illegally bribed with taxpayer wealth seven years after Obama Care started to do its damage. Again, this action does nothing to directly affect the Federal subsidies that low income Americans receive to help pay for their Obama Care policies. That legal process is still intact and working under the direction of the IRS. It is the direct billion dollar payments to insurance corporations that have been stopped.

2) The Trump administration also moved positively forward on several other Obama Care issues. First, it is relaxing the rules that stipulate that every Obama Care policy had to fulfill many, many unwanted requirements as far as what was covered. For example, a 64 year old gay male, if he wanted an Obama Care policy, had to pay for coverage of maternity costs as required by the legislation. An Amish family, if they wanted an Obama Care policy would have to pay for drug and alcohol addiction treatment coverage, habits that they usually do not partake in.

Obviously, the insurance companies loved these requirement since it forced customers to pay for more coverage than they needed or wanted and were for options that the insurance companies would likely never have to pay out for. But this drove up the cost of Obama Care policies which made them more expensive than what the customers needed them for. Hopefully, by relaxing these onerous Obama Care requirements, the cost for health insurance policies will go down as companies can now customize policies to specific needs of potential customers.

The President also signed an order that allowed it easier for Americans to band together to form Association Health Plans (AHPs) including the ability to band together across state lines (see our root cause list above where we have always recommended that): “Barriers to insurance company competition across state lines need to come down.” This should help independent contractors such as web designers, artists, writers, etc. to get together and go to insurance companies as a formal group to negotiate lower insurance rates for their AHP members. 

And finally, the President ordered the Federal government to expand the use of tax advantaged health reimbursement accounts to help Americans pay for their health insurance.

It is refreshing to finally report some good news in our continuing series of the “unfolding disasters of Obama Care.” Since Congress has refused to do anything to fix this horrible law and the heartbreak it has caused millions and millions of Americans, these first three steps under Trump are a welcome set of good news for a change: no more bring rich insurance companies, no more buying coverage that was not needed, and allowing individuals to get together to negotiate better health insurance terms.

Rand Paul one of the few advocates for freedom now serving in Congress found the President’s actions to be commendable as do we:  “President Trump is doing what I believe is the biggest free-market reform of healthcare in a generation. I want to commend the president for having the boldness and foresight and leadership to get this done.”

So, some good news finally on the Obama Care front. The President has restored Constitutional order by stopping illegal payments to insurance companies and he has given back some control of Americans’ health insurance choices to the folks that actually know best what is best for their health needs, the individuals themselves. One more post on the unfolding disaster that is Obama Care yet to come.


Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w






Saturday, October 14, 2017

October, 2017, Part 3, The Unfolding Disaster That Is Obama Care: Five Obama Care Policies In Five Years and Doctors Not Being Doctors

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

1) We have often discussed the reality that America does not have enough doctors to adequately satisfy the needs of sick Americans. That shortage was made more dramatic once Obama Care was implemented since its' hassles and idiocy led to many doctors retiring earlier, deciding that they did not want to deal with the hassles of dealing with government red tape and bureaucracy associated with Obama Care’s intrusion into the healthcare market.

Well, according to an article in the September 11, 2017 issue of Businessweek, now it appears that the front of the pipeline for doctors in this country is also getting smaller, which will make the number of doctors in this country even tighter in years to come:
  • A 2016 survey of 17,000 medical school graduates by the Physicians Foundation found that 13.5% of them stated they planned to be in non-doctor/patient or non-clinical jobs within three years, with many of them going into business or research.
  • This is up from 9.9% in 2012.
  • Another study of doctors from Merritt Hawkins asked doctors if they were to begin their educations again, would they enter the medical profession and 25% said they would enter another field.
  • This 25% is up threefold from the 8% that answered the same question in 2006.
  • The Association of American Medical Colleges estimates that by 2030, the country will be short 100,000 doctors or about 2,000 per state on average, with rural areas being hit especially bad.
  • These medically trained but non-practicing doctors are being hired by consulting companies, going back to get their MBA degrees, or starting their own businesses but are not seeing sick patients, often because of the hassles of actually treating patients or the desire for bigger dollars not treating patients.
Thus, Obama Care’s impact and the administrative headaches and rules/regulations it brought with it at best is not helping resolve the current doctor shortage and at worse (more likely) has made and is making the doctors shortage worse with no solution in sight.

2) Michelle Malkin is a well known political commentator, blogger, and writer. One of her latest pieces shows a real life example of how one American family, her own, has been raked over the coals by Obama Care. In her case, she has had four different insurance carriers since Obama Care went into effect:
  • She and her husband just got the fourth cancellation notice of their health insurance policy since 2013.
  • Their first cancellation came from Anthem Blue Cross and Blue Shield in 2013 since Obama Care tenets made their preferred and then current policy from Anthem invalid.
  • It did not matter that they liked their then current high deductible policy since it fit their family needs and included a wide ranging network of doctors that their family needed and liked.
  • Their second plan from Rocky Mountain Health Plans died in August, 2015 which in a way was a good thing since they did not like it since it did not cover their kids’ health needs and was not accepted at their local urgent care clinic.
  • This second plan died since the insurer pulled out of their market area because they could not make money.
  • Their third plan was cancelled in August, 2016 since the insurer claimed that it was pulling out of their Colorado market because it would “no longer offer your current health plan in the State of Colorado,” i.e. it could not make a profit in Colorado. 
  • The Malkin family then enrolled in the Bronze HSA EPO plan offered by the Minneapolis startup, Bright Health.
  • Less than a year later, Bright Health told them that their plan would be discontinued on January 1, 2018.
  • When they went looking for a new policy for the fifth time since 2013, they found that the cheapest plan they could get would raise their monthly premium cost from $944.86 to over $1,300, and this is a high deductible plan which means that they will have to satisfy an annual deductible that is likely to be over $13,000 a year.
  • Malkin goes on to point out that her home state of Colorado is not the only state experiencing the disaster that is Obama Care: “Premiums for individual health plans in Virginia are set to skyrocket nearly 60 percent in 2018. In New Hampshire, those rates will rise 52 percent. In South Carolina, individual market consumers will face an average 31.3 percent hike. In Tennessee, they’ll see rates jump between 20-40 percent.”
So it is not only the unknown average Americans family that is getting slammed every day by Obama Care, it is famous, higher earning Americans like Malkin that also are getting whipsawed by a terrible piece of legislation. And yet, Washington politicians have no clue or energy or will to fix what is a horrible situation. 

Malkin concludes her piece by summing up the frustration that her and millions of other Americans have experienced as a result of the unfolding disaster that is Obama Care: “There are an estimated 450,000 consumers like us in Colorado and 17 million of us nationwide — small-business owners, independent contractors and others who don’t get their plans through group coverage, big companies or government employers. The costs, headaches and disruption in our lives caused by Obamacare’s meddling meddlers are real and massive.

But we’re puzzles to corporate media journalists who’ve never had to meet a payroll and don’t even know what is the individual market.

We’re invisible to late-night TV clowns who get their Obamacare-at-all-costs talking points from Chuck Schumer.

We’re pariahs to social justice health care activists and Democrats who want us to just shut up and subsidize everyone else’s insurance.

And we’re expendables to establishment Republicans who hoovered up campaign donations on the empty promise to repeal Obamacare — and now consider amnesty for immigrants here illegally and gun control higher legislative priorities than keeping their damned word.

We’re the canaries in the Obamacare coal mine. Ignore us at your peril, America. You’re next.”

And idiots like Senator Bernie Sanders and others want Washington to control everyone’s healthcare needs via a single payer system, not just those in the individual insurance market. One look at what Washington did to the individual health insurance market, and families like Malkin’s via Obama Care, should be enough proof that Washington and a single payer system are both insanity and the height of idiocy. More disasters to follow.


Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now: http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w





Thursday, October 12, 2017

October, 2017, Part 2, The Unfolding Disaster Of Obama Care: Bernie Sanders' Hypocrisy and Lies and Obama Care's Contribution To The Opioid Addiction Plague

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

1) Although Congressional Democrats and Obama were solely for the unfolding disasters of Obama Care, some of these same Democrats have what they think is a better idea now that Obama Care is failing faster and faster everyday. People like Senator Bernie Sanders want the U.S. to adopt the so-called single payer plan for health insurance for this country, a plan where the government and the politicians that operate it are in total control of your entire health care needs.

Never mind that this idea has failed miserably around the world when put into place, never mind that some states have already tried to implement it but stopped because of the outrageous cost, and never mind that the Federal government and the Washington political class have failed miserably at any kind of health care program they are in charge of: Medicaid, Medicare, Veterans Administration and Obama Care. Which makes one wonder why Bernie Sanders thinks that a single payer system administered by Washington is such a good idea.

Or does he think it is a good idea? Mike Vance, writing for the Think Americana website on September 14, 2017, actually found an old interview that Sanders gave a number of years ago when he asserted that a single payer system in this country is not possible since it would be too expensive. He explained why a single payer system, he called it “Medicaid For All,” would be so expensive that it would “bankrupt the country”: “One of the points that we understand and I think was reinforced when we went to Canada. Number one, you want to guarantee that all people have access to healthcare as you do in Canada. I think what we understand is that unless we change the funding system and the control mechanism in this country to do that. For example, if we expanded Medicaid [to] everybody. Give everybody a Medicaid card – we would be spending such an astronomical sum of money that, you know, we would bankrupt the nation.”

So a couple of years ago Sanders said a single payer system would bankrupt the country but today he thinks it is a great idea. Makes no sense. Preliminary estimates of his current single payer system is an astronomical $16 TRILLION over the first ten years. And you know that this number is far too low since everything Washington does costs far more in reality than when it is being proposed. Obama promised that Obama Care “would not add a single dime to the national debt” but the Congressional Budget Office estimate now says that it will add at least $1.2 TRILLION to the national debt. 

$16 TRILLION over a decade or $1.6 TRILLION a year would increase the annual Federal budget by 40% overnight. The tax hikes needed to pay for this would be economically devastating, as Vermont and California found out when they priced out a single payer system for their states. And yet the two faced Sanders is still pushing it although he himself had previously concluded that it was a fiscally stupid idea. Plus, such a system would still not attack the root causes of our high and rising health care costs. Doubly stupid.

To see Sanders being stupid in his own words go to the following link:


2) There is a very bad drug addiction problem going on in America today and that is the large and growing addiction that many Americans have to opioid painkillers. Most estimates put the annual death toll from the addiction to almost 40,000 a year. Trump has begun to address the problem and even the Chairwoman of the Federal Reserve, Janet Yellen, has stated that so many people are addicted that it is dampening the nation’s economic growth.

Keep that thought in mind while we remind you that many, many times that when Washington addresses a problem they actually make it worse. Which may be the case here relative to the intersection of the growing opioid addiction and Obama Care. Consider an article from Allysia Finley, writing for the Wall Street Journal on September 25, 2017:
  • Medicaid is one of the biggest suppliers of opioid painkillers in the entire country.
  • Obama Care resulted in an additional 11 million Americans being signed onto the Medicaid rolls in many states.
  • Wisconsin Senator Ron Johnson recently pointed out a strong correlation between this Medicaid expansion and opioid overdoses.
  • His source of data: the Centers of Disease Control found that: “[opioid] overdose deaths per capita rose twice as much on average between 2013 and 2015 in states that expanded Medicaid than those that didn’t.”
  • As an example of two similar states, opioid deaths rose 205% in North Dakota which expanded Medicaid rolls vs. only an 18% rise in South Dakota which did not expand Medicaid.
  • Between 2013 and 2015, the opioid deaths in Ohio, which did expand Medicaid, went up 38% while the addiction in nearby Wisconsin, which did not expand Medicaid, went up only 2%.
  • According to the Agency for Healthcare Research and Quality, Medicaid funded hospital stays for opioid addiction went up 40% between 2012 and 2014, four times the growth rate of Medicaid enrollment, while opioid addiction hospital stays for those covered by private insurance went up a tenth of that rate, only 4%.
  • The article points out similar trends in hospital visits of Medicaid patients, with hospital visits going up dramatically in states where Medicaid was expanded.
Now, while these are strong correlations, they might be causations. However, the realities behind Medicaid patients and the treatment they get would seem to point to causation:
  • Since many doctors across the country to not accept Medicaid patients, many times Medicaid patients go to the emergency room for pain control since they cannot get access to a doctor.
  • The overwhelmed emergency rooms want to relieve the pain so prescribing an opioid pain killer satisfies the short term problem of pain relief because of non-doctor access but sets up a patient for a longer term problem, addiction, since getting into see a Medicaid-friendly doctor or specialist might take months, if ever, to correctly fix the root cause of the pain problem.
  • A study found by Express Scripts Holding found that Medicaid patients are twice as likely to get prescribed opioids than non-Medicaid patients.
  • In the meantime, the Medicaid patient is still in pain, still looking for relief, and thus, an addiction is born since the root cause of the pain is not being treated.
Great, another government program that does the exact opposite of what it set out to do, resulting in possibly thousands of Americans dying every year from opioid addiction as a result of Obama Care’s foolish expansion of Medicaid. Medicaid was not designed for what Obama Care wanted it to do so this is really no surprise. 

Add in Sanders’ about face on the single payer system, and it becomes clear that those in Washington still have no clue on how to fix our broken health care processes and costs. More disasters to follow in the coming days.


Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w








Tuesday, October 10, 2017

October, 2017, Part 1, The Unfolding Disaster That Is Obama Care: McCain Lies, Premiums Rise, and Nothing Ever Gets Fixed

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

1) Many times we have written and discussed how the monthly premiums for Obama Care policies continued to skyrocket over the years despite Obama’s claim that some American families would see upwards of a $2,500 REDUCTION in their annual premiums as a result of the legislation. Double digit percent increases have been the norm every year, not the exception.

The bad news continued in the area of ever rising Obama Care health insurance premium increases in a September 17, 2017 article by Aaron Bandler on the Daily Wire website:
  • Citing the Washington Free Beacon as his source, Mr. Bandler reports that the Congressional Budget Office estimates that the average increase in Obama Care premiums will be 15% in 2018, about seven times higher than the current rate of inflation.
  • As a result of this large increase, the CBO expects 2 million people to drop their Obama Care coverage and go uninsured in 2018.
  • Specifically, the Beacon reported: "The budget office projects that average premiums will total $3,400 for a 21-year-old, $4,800 for a 45-year-old, and $9,800 for a 64-year-old this year." 
  • While some of the current Obama Care customers will feel the total impact of the increases because of taxpayer subsidies, millions who do not get subsidies will see large increases.
  • Plus, those increase premiums have to be paid by someone and in many cases that will be the American taxpayer via Obama Care subsidies.
  • According to another Free Beacon report, in 2018 there will be 63 counties throughout the country with NO Obama Care insurers available to them.
  • Even though there will be no insurers to get coverage from in those counties, the residents of those counties will still have to pay penalties to the Federal government for not having insurance.
  • Almost as bad, 1,472 counties, 45% of all U.S. counties, will have only one carrier to get an Obama Care policy from.
So much for Obama’s promise that the legislation would spur competition across the country and give Americans a wider choice of insurance companies.

And Washington does nothing to fix what is becoming worse and worse every day. The Democrats who wrought this disaster refuse to help fix it and Republicans who promised to fix it cannot get out of their own way. The ineptness and idiocy of these politicians is mind boggling when such a pressing issue confronts the country and they are incapable of doing anything to fix it.

2) The previous information came from a mid-September article. A more recent article on the NewsMax website by Andrew Harrer on October 4, 2017 shows that the aforementioned 15% increase in 2018 might have been premature and too conservative:
  • The article cites a New York Times report that stated some Obama Care insurance policies may see their premiums increase by over 50% in 2018.
  • It stated that some insurance regulators at the state level are raising rates very aggressively in order to avoid insurance companies abandoning their state’s Obama Care exchanges altogether.
  • According to Georgia insurance commissioner Ralph Hudgens, some rates could go up 57.% in 2018: "Obamacare has become even more unaffordable for Georgia's middle class. I am disappointed by reports that the latest Obamacare repeal has stalled once again and urge Congress to take action to end this failed health insurance experiment."
  • The average Obama Care premium increase will be 45% in Florida and 30% in New Mexico.
  • The Times story cites experts that estimate the rates will go up from 10% to almost 60% next year.
Again, not quite the promised $2,500 annual decrease that Obama promised time and time again. And again, while many Obama Care policy holders will not see much if any increase because of Federal subsidies, the American taxpayer will be paying for those increase as will millions of Obama Care policy holders who do not get any subsidies at all. 

3) One of the reasons that Republicans could not get any positive changes made to the Obama Care disaster is because Senate Republican John McCain stopped the one effort that his party members in the Senate almost got passed. Which is strange since at least 13 times McCain publicly came out strongly on not fixing Obama Care but repealing it and replacing it. 

But yet when the time comes to actually do what he said he wanted to do, McCain sinks the whole effort. Talk about a blatant hypocrite that is contributing to the ongoing disaster that is Obama Care. 

One example of his hypocrisy was the following statement he made: “It is clear that any serious attempt to improve our health care system must begin with a full repeal and replacement of Obamacare, and I will continue fighting on behalf of the people of Arizona to achieve it”

His 13 public declarations wanting to repeal Obama Care can be seen at:


That will do it for today’s review of the unfolding disaster that is Obama Care: McCain lies, premiums rise, and the Washington political class is useless in fixing a major problem facing the country and millions and millions of Americans. More disasters to follow.



Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:


http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w