All posts by Wintery Knight

https://winteryknight.com/

Is Obamacare a spectacular failure because of incompetence, or by design?

Private insurer participation in Obamacare exchanges, 2015-2016
Private insurer participation in Obamacare exchanges, 2015-2016

First, let’s establish that Obamacare really is a failed policy.

One of my favorite health policy experts Sally C. Pipes reports for CNBC (H/T Bree) on how private insurers are reversing their decision to sell customers Obamacare policies.

Excerpt:

Aetna the nation’s fourth-largest health insurer, just decided to stop offering plans on Obamacare’s exchanges in all but four states in 2017. The firm says that it was losing roughly $300 million per year on these policies. And it projected that its losses would only increase, since the share of covered individuals “in need of high-cost care” was growing, according to CEO Mark Bertolini.

Aetna isn’t the only insurer giving up on Obamacare. UnitedHealth, America’s biggest insurer, will sell plans in just three states next year, down from 34 this year. Humana will offer coverage in just 156 counties in 2017, 88 percent fewer than this year.

In other words, the insurance “death spiral” has arrived. Obamacare’s critics have long predicted that exchange plans’ high premiums and deductibles would keep all but the sickest Americans from enrolling. These people would need so much medical care that insurers would lose money no matter how much they raised premiums. Eventually, insurers would have no choice but to pull out.

[…]Insurers that haven’t pulled out of Obamacare are requesting premium hikes averaging 24 percent next year. And some states have it far worse. Many Georgians could see a hike of 65 percent. The 600,000 Texans enrolled in Blue Cross Blue Shield may face a 59 percent premium increase.

I must have blogged about 50 posts on Obamacare, and why it would fail, before the 2012 election. I even had podcasts and articles by Sally C. Pipes! She predicted all of this long ago. The 2012 election was our last chance to stop it, and we failed.

Obamacare premium growth, 2015-2016
Obamacare premium growth, 2015-2016

I always like to think about the future so I can prepare for it. Investors Business Daily thinks that if Hillary is elected, she will use this crisis to push for single payer health care. Single payer basically means that you pay into the government based on what you earn, and the sickest / least responsible people get a deal because they get “free” care. It’s a terrible deal for healthy, fit single men who never use health care. We have to pay about $10,000 a year in taxes, and never use it.

Investors Business Daily explains:

So what’s Hillary Clinton’s answer to the failing private exchanges? Get more people on government insurance through what she calls the “public option.” This would be a government-run health care plan offered in ObamaCare exchanges across the country.

“The public option, Clinton says, “will strengthen competition and reduce costs.”

But wait a minute. The “public option” was pushed by liberal Democrats in 2009 when ObamaCare was being built, and it was rejected by centrists in the party because it looked too much like a steppingstone to single payer.

As a matter of fact, that was the idea behind the “public option” in the first place.

As Mark Schmitt explained in the liberal American Prospect, “The public option was part of a carefully thought out and deliberately funded effort (to convince the single-payer crowd) they could live with the public option as a kind of stealth single-payer.” The idea was that the public option would be able to undercut private plans, driving them all out of the exchanges.

But all those centrists Democrats who opposed the public option are gone from the Senate, and if Hillary Clinton gets elected with a more liberal Senate majority, the public option will likely be top of her agenda.

With the vast Medicaid expansion, and the public option (as well as Clinton’s proposal to expand Medicare), it’s not far-fetched to say that soon the only people covered by private insurance will be the diminishing number who get it through work. (ObamaCare was also designed to shrink employer-based health.)

I guess my solution to this is to hang on to my employer-subsidized plan for as long as I can, and then if single-payer becomes the law, then I’ll just ease back my working. Maybe work part-time in a less demanding job. I don’t want to get up and go to work to pay for strangers, especially if their “health care” is just abortions, in vitro fertilization, drug addiction therapy, breast enlargements and sex changes – which is what happens in countries where the government does run health care. They just use it as a way to buy votes.

What kinds of things should boys do to be more manly?

Painting: "St. George and the Dragon", by Paolo Uccello (~1456)
Painting: “St. George and the Dragon”, by Paolo Uccello (~1456)

Super-wife Lindsay sent me this article by David French in National Review. I am skeptical of older men who try to get younger men of today to “man up” without realizing all of the challenges that men face. Many of them are fatherless because their mothers divorced their fathers. Many of them are in failing public schools where 90% of their teachers are women. Many of them are depressed by the $20 trillion debt that was run up to pay for the feminist welfare state. And on, and on, and on.

However, I decided to blog on this because the article was very balanced.

First, here’s David:

I look back to my own childhood. In 1985, I was 16 years old, and I was a nerd’s nerd. I toted graph paper and 20-sided dice to school to play Dungeons & Dragons at lunch. (I like to think I was the finest dungeon master Scott County, Ky., had ever seen.) When I wasn’t playing D&D, my nose was buried in Lord of the Rings, or the Shannara books by Terry Brooks, or the Dragonriders of Pern by Anne McCaffrey. I played sports, sure, but let’s just say that my varsity tennis exploits didn’t make the cheerleaders’ hearts flutter.

But none of my nerdiness relieved me of the responsibility of learning how to be a man — a protector, builder, and fixer. So that meant spending my Saturdays hauling out the ramps to change the oil and oil filters on all our cars. That meant helping my dad build a new back porch or constantly wrestling with immense piles of firewood. (We heated our house with a wood stove.) I made extra money working in neighborhood yards. Being a guy meant doing manual labor. That was just part of growing up — no matter your social class.

In the age of instant oil change (why entrust your car’s health to your 16-year-old?), ubiquitous lawn services, and on-demand handymen, privileged kids simply don’t have the same, naturally occurring opportunities to learn to work with their hands and to develop physical strength. In the age of zero-tolerance school-disciplinary policies — where any kind of physical confrontation is treated like a human-rights violation — they have less opportunity to develop toughness. Today’s young males don’t have common touchstones for what it’s like to grow up to be a man.

I just had to quote this, because wow, David French (Harvard Law graduate, Major in the Army Reserves, Bronze Star recipient, and heroic defender of religious liberty) played good old D&D. So did I, although I preferred Warhammer Fantasy Role-Play. I have over 200 hand-painted miniatures in my parents’ basement.

Anyway, I digress.

French continues:

Raising a boy to be a young man used to be a natural act. Common experiences and rites-of-passage meant that my D&D friends could pop the hood of a car and get to work right alongside the future mechanics of my high-school class. We weren’t as good or as knowledgeable, but we held our own. And there were no social-justice warriors shrieking that there was no such thing as distinctively male or masculine pursuits.

Now, for parents of the privileged, raising a boy to be a young man has to be an intentional act. You have to ignore the voices who are telling you to indulge your child’s inclinations — no matter what they are — and train them to be not just morally courageous but also physically strong. They can have their Xbox or their PC (my son brags about his kill/death ratio on Battlefield, and we belong to the same World of Warcraft guild), but they can also hit the weight room. They can also not just learn to shoot but also how to assemble and disassemble their weapon. Even if you’re rich, you can make your kid do the hard work that keeps any household together.

Though this sounds simplistic, never ever underestimate the positive effect that raw physical strength can have on a young man’s development. I’ve seen the impact that weight training has had on my son, and I wish I’d been as diligent when I was his age. I’ve experienced the impact — even as an older adult — of the physical transformation of Army training.

Our culture strips its young men of their created purpose and then wonders why they struggle. It wonders why men — who are built to be distinctive from women — flail in modern schools and workplaces designed from the ground-up for the feminine experience. Men were meant to be strong. Yet we excuse and enable their weakness. It’s but one marker of cultural decay, to be sure, but it’s a telling marker indeed. There is no virtue in physical decline.

Yes. I have been thinking about this a lot lately. My parents never had any plan for me growing up, except that I get As in school and work during the summers. However, since I got free of them after graduate school, I have been lifting weights, eating lots of protein from whole foods and taking the appropriate supplements on and off. I think it is important for a man to be able to lift his future wife across the threshold of her new home, and so I had this idea that I should lift weights. I have lifted up one woman (who I was in love with) and that was very fun. So, yes to muscles. Cardio, meh.

And lately I have been picking out my first firearm and getting ready to do my concealed carry permit. (I’m trying to decide between the S&W Performance Center M&P Shield and the Walther PPS M2). And I have always wanted to learn more about auto repair, so I can save money on that. Although, I think that my generation of men didn’t learn as much about cars as we did about computer programming and building computers from parts. I’d like to make things out of wood – maybe toys and perches for parrots. And I want to learn gardening, so I can feed myself from what I grow.

There are so many interesting things to learn and do, and I do think that men should be expected and encouraged to develop useful skills so that they can help others. Part of being a man is learning useful things so that you can help others. I think if you explain to young men why they should be learning useful skills and working and saving (to help others, to learn self-sacrifice, to practice being generous with gifts) then they would be more interested in these things. A man will do anything in order to get respect, especially from women. Maybe the problem is there – that women want men to be weak man-shaped girlfriends who just agree with them, and never challenge them to grow. I see that a lot in young women today. They aren’t comfortable giving men respect, or letting men help them and lead them.

Which political party governs the cities that have so much poverty and crime?

Welfare and out-of-wedlock births
Welfare and out-of-wedlock births

First, let’s find out what is happening in Milwaukee. David French explains in this article on National Review.

He writes:

Police pulled [Sylville] Smith over on Saturday afternoon, he fled from the scene, and police gave chase. Smith was carrying a stolen handgun. An officer with six years’ experience caught Smith, reportedly ordered him to drop the gun, and opened fire when Smith failed to comply, shooting him the in the chest and arm. Smith died.

The officer who shot the man who pointed a gun at him was black. It was a black police officer!

Next, riots ensued – and one of the rioters even explained why he was rioting:

According to police, the shooting was caught on camera. (The footage has not yet been released.) But rather than wait for the evidence or for any semblance of an investigation, hundreds of Milwaukee residents rioted, burning police cars, looting stores, and attacking police. Indeed, to listen to some of the protesters and political leaders, the shooting was merely the excuse for the riot, not the justification. Here’s one protester telling reporters that riots are happening because “rich people, they got all this money, and they not . . . trying to give us none.”

Here’s the video:

It’s the “rich people”‘s responsibility to give the rioters some of their stuff. Because in America, you can’t do anything on your own, the only way to get “stuff” is to riot and take other people’s stuff.

More from French:

And city alderman Khalif Rainey said that the riots were “byproducts” of “the injustice, the unemployment, the under-education” that he says makes Milwaukee the “worst place to live for African-Americans in the entire country.” He ended with an ominous warning: “Rectify this immediately because, if you don’t, this vision of downtown, all of that, you one day away. You one day away.”

But whose fault is all this poverty? Maybe it is hard for black people to get ahead in some of these cities. Who is in charge of these cities?

Crime rates in major cities, all Democrat-run
Crime rates in major cities, all Democrat-run

The big cities like Detroit, Milwaukee, Philadelphia, Baltimore, etc. that are so awful for law-abiding blacks to live in have been run by Democrats for decades.

Investors Business Daily explains:

America is awash with troubled, dysfunctional cities that have been electing Democratic mayors for decades.

  • Detroit last elected a Republican mayor in 1957. It is now the model of urban failure — it’s recognized more for its poverty, crime, rot and bankruptcy than the great cars that it turned out into the early 1970s. It is the poorest big city in the nation, with almost 40% of the population living below the poverty line. The website Law Street actually ranks Detroit ahead of Flint as the country’s most dangerous city. Either way, it’s clear that both cities have institutionalized crime problems.

Detroit is also a pit of political corruption. Just in recent years, one mayor, Kwame Kilpatrick, was convicted of corruption and sent to federal prison for 28 years, while building inspectors have been indicted on federal felony bribery charges and a former city council member was investigated in a bribery and kickback scandal.

  • Chicago’s last GOP mayor was elected in 1927. The nation’s third-largest city is home to some of the worst inner-city violence imaginable. More than 2,300 people were shot there last year, and nearly 400 lost their lives to homicides.

Its finances are just as grim. “Chicago is so broke,” IBD contributor Stephen Moore explained months ago, “that its bonds are junk status, and Mayor Rahm Emanuel had to go hat in hand last week to the state capital, Springfield, for bailout money to pay the bills.” Things have been rotten enough, Moore said, to send “a record number of people … fleeing Cook County, home to Chicago.” Only a little more than half of the city’s pension liabilities are funded.

  • St. Louis has been electing Democratic mayors since 1949. The Gateway to the West has become the gateway for crime. Law Street says that it’s the fourth most dangerous city in the country, Forbes says it’s the second. It had the sixth-highest poverty rate among big cities in 2014.
  • The last GOP mayor of Philadelphia left office in 1952. A few years ago, Moore identified it as a favorite to follow Detroit into bankruptcy.
  • Both Baltimore and Oakland had Republican mayors as late as the 1960s. In the era of Democratic rule, both are now more well known for their crime and poverty problems than for their charm and character.
  • Newark, N.J., hasn’t had a GOP mayor in more than a century. It was ranked as the fifth-worst city to live in in 2015. Detroit, of course, was first.

When Democrats are in control, cities tend to go soft on crime, reward cronies with public funds, establish hostile business environments, heavily tax the most productive citizens and set up fat pensions for their union friends. Simply put, theirs is a Blue State blueprint for disaster.

If you want to blame someone for the failure of the black community to get ahead, blame Democrats. They are the ones who are running things in the cities where we see all this rioting. Their policies are the cause of the poverty. You don’t get job creation when you punish the job creators with high taxes and onerous regulations. You don’t get fathers in the homes when you reward single motherhood by choice with welfare checks.