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Tuesday, October 29, 2013

The Not Affordable Not Care Act

You should read this article on American Thinker. It's brilliant.
In his weekly radio address, President Obama preposterously pouted that "it's well past the time for folks to stop rooting for [ObamaCare's] failure," with the obvious implication that conservative Republicans are in fact cheering for the pain of the un-insured.

No, Mr. President, we are not. We are, however, having a delicious moment of schaden-fraud. This is the magnificent validation we are experiencing as all elected Democrats and members of the Jurassic media are fast discovering that the man and the plan they have so arrogantly shoved down our throats - and so naively placed their hopes in -- are simultaneously being exposed as shams.

And sham-wow, is it ever cathartic, as we have been called racists, terrorists, hostage-takers, kooks, haters, and stupid for years -- all because we deigned to be correct about the biggest legislative boondoggle in American history. Of course, only a few of the Kool-Aid drinkers are admitting this...yet...but we can sense that many of them are panicking on the realization that they might one day have to.
What is insurance? That's what this whole drawn-out catastrophically misguided Affordable Care law is all about. It's not about affordable care. Nothing in the law is designed to lower the cost of healthcare. Nothing in the law will make doctors' fees, nurses' fees, hospitals' fees become lower. It's all about our national 3rd party payment system. Therefore the law's name is wrong. Affordable Care Act. What about the word "affordable?"
These middle-class consumers are staring at hefty increases on their insurance bills as the overhaul remakes the healthcare market. Their rates are rising in large part to help offset the higher costs of covering sicker, poorer people who have been shut out of the system for years.

Although recent criticism of the healthcare law has focused on website glitches and early enrollment snags, experts say sharp price increases for individual policies have the greatest potential to erode public support for President Obama's signature legislation.

"This is when the actual sticker shock comes into play for people," said Gerald Kominski, director of the UCLA Center for Health Policy Research. "There are winners and losers under the Affordable Care Act."
Evidently the name Affordable Insurance Act is also not completely correct. Affordable Insurance Act. Well then let's just call it Obamacare. What it is, is a re-distributive insurance program. Lifelong, next to taxes, insurance is the next-biggest item taken out of the average person's paycheck. I know it's that way for me—and just about everyone I know who works for a living. So the idea is that the $8,800/year I already pay for insurance has been deemed by the President—and his goons—as not enough? It has to go higher still? So that people without jobs, people living below the poverty line, people with pre-existing conditions, and illegal aliens can get the same medical care as I get—because I fork over half the price of a new car every year to pay for it? What do groups I've listed do? Apparently they just exist. They live their unfortunate little lives and they expect Big Brother to take care of them. To provide them with a roof over their heads, food on their table, transportation, and now medical care.

Keep in mind that they already had emergency care. Now they can make appointments and see a doctor just like everyone else. At first blush that sounds like an improvement. After all, it costs a lot more for someone to go to an emergency room than it does for the same person to go to a regular doctor in private practice. Unfortunately, it is readily observable that people with access to insurance make appointments and see their doctor far more often than they would ever go to an emergency room. Whether for migraines, flu symptoms, minor aches and pains, vaccinations, mental problems, anxiety, a whole grab-bag of hypochondriacal malaise, etc, people who have health insurance tend to use it. They use it all the time and almost always for non-life threatening problems. In contrast, going to the emergency room is a major ordeal. The usual "triage" on-going at most every emergency room usually means a wait of several hours, if not all day, before the typical non-life-or-death patient is seen to.

Think of health insurance the way you think of an all-you-can-eat buffet. You pay your entry price and once inside, you're permitted to consume as much as you desire for no additional charge. There's a copay of course but it's not usually too much—around $30 for most visits. About the price of a restaurant meal for two. But for anything beyond simple office procedures there's a deductible which can be a major expense! Luckily, simple office procedures comprise 83% of what Americans require from their health care professionals. The rest, surgeries, hospital stays, emergency rooms, the more expensive procedures that would entail deductible payments are the remaining 17%. Source CDC Faststats.

$8840 was the price to get me through the door, but now this buffet is going to be open to everyone. The operators of this here "all-you-can-eat emporium" still have to pay for all the consumables, for the kitchen help, the bus help, the servers, the maĆ®tre d, not to mention rent, utilities, taxes, and yes—health care! If some people are getting through the door more cheaply or for free then all the costs of running this buffet must be passed on somewhere else. In this particular case it's not being passed on to the "rich," it's being passed on to the middle class, and to the "young" who normally don't worry about insurance when they're in their twenties.

So then Obamacare was designed all along to increase the cost of my own healthcare so that those "less fortunate" would benefit from my hardship. I'm supposed to scrimp even more, or work even more hours than I already do, because you know, not only could things be worse, worse is the usual outcome. Hope and Change—Worse. Affordable Care Act—Worse. Price of food and gasoline—Worse. Taxes—Worse. College tuition—Worse. Retirement...it is to laugh!

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