In North Dakota, 35,000 lose their health care plan, but only 30 sign up for Obamacare

I know that Obama talked a lot about wanting to help people without insurance find insurance, but so far all he done is make a lot of people lost their insurance (and more to come in 2014!).

Here’s a story from ABC News.

Excerpt:

More than 35,000 customers in North Dakota face discontinued health coverage because their plans are being scrapped due to new requirements under the Affordable Care Act.

The three major health insurers in North Dakota were asked to report to state regulators their enrollment figures and cancellations resulting from the health reform act, commonly known as Obamacare.

The state’s largest health insurer, Blue Cross Blue Shield of North Dakota, covers about 31,600 members – 17,000 in small groups and 14,600 individuals – whose insurance plans are being discontinued.

That combined figure represents 8 percent of the North Dakota Blues’ 400,000 membership total.

[…]The total number of North Dakota residents who must switch coverage is 35,585, according to the tally by the state Insurance Department.

“You have almost 36,000 North Dakotans who either are or will be losing their health insurance policies, and this is after they and all Americans have been told they will be able to keep their health insurance,” Insurance Commissioner Adam Hamm said Friday.

The premiums are all going up because Obamacare mandates new coverages, which people did not have on their old plans. They didn’t have those coverages because they didn’t need them. For example, people who weren’t addicted to drugs didn’t request treatments for drug addiction. But now we all have to pay for it, whether we use it or not. That makes prices go up!

More:

Under the new requirements, deductibles for individuals or small groups are generally capped at $2,000, with an exception allowing caps of up to $5,000 for individuals and $3,000 for small groups.

Total out-of-pocket expenses now cannot exceed $6,350 for an individual or $12,700 for a family.

Nationally, estimates of the percentage of policies that will be discontinued under the new coverage requirements have ranged from 40 percent to 67 percent, Krystopolski said.

In most cases, plans failed to meet the new requirements because they did not cover maternity care or because the deductibles were too high, she said.

So how many of those 35,585 people that the Democrats kicked out of their insurance plans have found new ones on the Obamacare exchanges?

Almost none:

Besides collecting information on cancellations, Hamm’s office asked the three major health insurers to report the number of enrollments under the new health insurance marketplace provided by the Affordable Care Act.

As of Friday, the three insurers have logged 30 enrollments covering 37 people, a number Hamm called “concerning.”

Remember that these figures only represent the effects of the individual mandate. Things are going to get a lot worse when the employer mandate takes effect in 2014. For those of us with health care through our employers, our day is coming.

Dr. Robin Collins explains two kinds of cosmic fine-tuning

I was busy working my way through “Debating Christian Theism“, a book published by Oxford University Press in August 2013. It features about 20 different topics from science, to philosophy, to history. For each topic, there is an essay by a world-class scholar in favor, and one opposed. So you get both sides of many interesting issues, at a very advanced level. The section on cosmic fine-tuning features a chapter written by Dr. Robin Collins.

About Robin Collins:

Robin Collins (PhD, University of Notre Dame, 1993), is professor of philosophy at Messiah College, Grantham, PA specializing in the area of science and religion.  He has written over twenty-five articles and book chapters on a wide range of topics, such as the fine-tuning of the cosmos as evidence for the existence of God, evolution and original sin, the Doctrine of Atonement, Asian religions and Christianity, and Bohm’s theory of quantum mechanics.  Some of his most recent articles/book chapters are “Philosophy of Science and Religion” in The Oxford Handbook of Science and Religion, “Divine Action and Evolution” in The Oxford Handbook of Philosophical Theology (2009)  “The Multiverse Hypothesis: A Theistic Perspective,” in Universe or Multiverse? (Cambridge University Press), and “God and the Laws of Nature,” in Theism or Naturalism: New Philosophical Perspectives (Oxford University Press, forthcoming).  He recently received a grant from the John Templeton Foundation to finish a book that presents the case for design based on physics and cosmology,  tentatively entitled The Well-Tempered Universe: God, Cosmic Fine-tuning, and the Laws of Nature.

The fine-tuning argument

Here’s a short article where Collins gives TWO examples of the fine-tuning. He is very modest in his argument, merely asserting that the fine-tuning is more compatible with theism than it is with atheism.

Excerpt:

Science is commonly thought to have undercut belief in God. As Nobel Prize winning physicist Steven Weinberg famously remarked, “the more we find out about the universe, the more meaningless it all seems.” Yet, the discoveries of modern physics and cosmology in the last 50 years have shown that the structure of the universe is set in an extraordinarily precise way for the existence of life; if its structure were slightly different, even by an extraordinarily small degree, life would not be possible. In many people’s minds, the most straightforward explanation of this remarkable fine-tuning is some sort of divine purpose behind our universe.

This fine-tuning falls into three categories: the fine-tuning of the laws of nature, the fine-tuning of the constants of physics, and the fine-tuning of the initial conditions of the universe. “Fine-tuning of the laws of nature” refers to the fact that if the universe did not have precisely the right combination of laws, complex intelligent life would be impossible. If there were no universal attractive force (law of gravity), for example, matter would be dispersed throughout the universe and the energy sources (such as stars) needed for life would not exist. Without the strong nuclear force that binds protons and neutrons together in the nucleus, there would not be any atoms with an atomic number greater than hydrogen, and hence no complex molecules needed for life. And without the Pauli-exclusion principle, all electrons would fall to the lowest orbital of an atom, undercutting the kind of complex chemistry that life requires.

Some fundamental physical numbers governing the structure of the universe—called the constants of physics—also must fall into an exceedingly narrow range for life to exist. For example, many have estimated that the cosmological constant—a fundamental number that governs the expansion rate of empty space—must be precisely set to one part in 10120 in order for life to occur; if it were too large, the universe would have expanded too rapidly for galaxies and stars to form, and if it were too small, the universe would have collapsed back on itself. As Stephen Hawking wrote in his book A Brief History of Time, “The remarkable fact is that the values of these numbers [i.e. the constants of physics] seem to have been very finely adjusted to make possible the development of life.” Finally, the initial distribution of mass energy at the time of the big bang must have an enormously special configuration for life to occur, which Cambridge University mathematical physicist Roger Penrose has calculated to be on the order of one part in 1010123. This is an unimaginably small number.

I know what you’re thinking: How do we know that non-Christian scientists acknowledge the fine-tuning of gravity in the way that Collins describes?

Well, the New Scientist actually talks about the fine-tuning of the force of gravity. And they’re not Christians.

Excerpt:

The feebleness of gravity is something we should be grateful for. If it were a tiny bit stronger, none of us would be here to scoff at its puny nature.

The moment of the universe‘s birth created both matter and an expanding space-time in which this matter could exist. While gravity pulled the matter together, the expansion of space drew particles of matter apart – and the further apart they drifted, the weaker their mutual attraction became.

It turns out that the struggle between these two was balanced on a knife-edge. If the expansion of space had overwhelmed the pull of gravity in the newborn universe, stars, galaxies and humans would never have been able to form. If, on the other hand, gravity had been much stronger, stars and galaxies might have formed, but they would have quickly collapsed in on themselves and each other. What’s more, the gravitational distortion of space-time would have folded up the universe in a big crunch. Our cosmic history could have been over by now.

Only the middle ground, where the expansion and the gravitational strength balance to within 1 part in 1015 at 1 second after the big bang, allows life to form.

Here’s a very long paper by Collins on the fine-tuning argument, where he answers several objections to the argument, including the multiverse/many-universe hypothesis. I normally make fun of the multiverse, (= the Flying Spaghetti Monster), but it actually does deserve a reasonable, fair response. (Unless Jerry asks, then it’s Flying Spaghetti Monster all the way).

Dr. Jennifer Roback Morse lectures on basic economics

Here is a podcast on basic economics from Dr. Jennifer Roback Morse.

About the speaker:

Jennifer Roback Morse, Ph.D. is the founder and President of the Ruth Institute — a project of the National Organization for Marriage — which seeks to promote life-long married love to college students by creating an intellectual and social climate favorable to marriage.

She is also the Senior Research Fellow in Economics at the Acton Institute for the Study of Religion and Liberty.

She is the author of Smart Sex: Finding Life-long Love in a Hook-up World, (2005) and Love and Economics: Why the Laissez-Faire Family Doesn’t Work (2001), recently reissued in paperback, as Love and Economics: It Takes a Family to Raise a Village.

Dr. Morse served as a Research Fellow for Stanford University’s Hoover Institution from 1997-2005. She received her Ph.D. in economics from the University of Rochester in 1980 and spent a postdoctoral year at the University of Chicago during 1979-80. She taught economics at Yale University and George Mason University for 15 years.

The MP3 file is here.

Topics:

  • The study of economics is anti-postmodern – there is objective truth independent of what people think
  • The study of economics believes in fixed principles of human nature
  • Economics studies the allocation of scarce resources that have alternative uses
  • Economics studies how people exchange resources
  • How both people who engage in a voluntary trade always believe that they will be better off
  • How both people who engage in a voluntary trade both benefit from the exchange
  • How incentives motivate people to act
  • Understanding supply and demand
  • Understanding how “free” government services are rationed
  • Understanding opportunity costs
  • How prices signal producers to produce more or less, and consumers to buy or not buy
  • Market-driven prices versus price controls
  • The role of substitution
  • The necessity of allowing failure in a free market

The requirements of economic growth:

  • private property
  • contracts
  • the profit motive
  • competition
  • free trade
  • entrepreneurship, creativity and innovation
  • the rule of law

If you want to learn more about basic economics, I recommend picking up a book or two by Thomas Sowell – the first book I usually give away is “Intellectuals and Society”, and then next “Basic Economics”.