When health insurance is forced to cover more, insurance premiums go up

Investors Business Daily explains how Obamacare forces insurance companies to provide coverage for more stuff in their health care plans, and how that raises the cost of health insurance for you.

Excerpt:

In a recent New York Times article, chiropractors and acupuncturists bragged about how they’re getting their services mandated under ObamaCare’s “essential benefits” rule. That part of the law says all insurance — which the government forces everyone to buy — has to cover certain basic benefits and leaves it up to the states to fill in a lot of the blanks.

[…]Other coverage mandates that various states have announced they plan to require under ObamaCare include weight-loss surgery and infertility treatment. These are on top of the federal mandates the Obama administration has already announced, including things like “free” preventive service and contraception coverage.

Since health care dollars don’t fall from trees, each of those mandates will end up adding to the cost of insurance. Worse, these mandates will only grow over time.

[…]Other coverage mandates that various states have announced they plan to require under ObamaCare include weight-loss surgery and infertility treatment. These are on top of the federal mandates the Obama administration has already announced, including things like “free” preventive service and contraception coverage.

[…]States currently impose 2,262 benefit mandates, up from 2,156 the year before, according to the Council for Affordable Health Insurance. There were just 850 mandates in 1992, when CAHI first started tracking them.

Among the more ridiculous are requirements that insurance cover breast implant removal, circumcision, wigs for chemotherapy patients, smoking-cessation service and varicose vein removal.

CAHI figures state mandates add 10% to 50% to the cost of insurance. A report from the Maryland Health Care Commission figures that around 20% of premiums in that state are the result of its 45 benefit mandates.

In addition to preventive-care rules, ObamaCare bans lifetime limits on coverage and puts caps on out-of-pocket costs, each of which will drive up premiums. Its requirement that insurers cover “children” up to 26 years old has already added as much as 3% to premiums, according to Towers Watson.

Along with mandated benefits, ObamaCare declares war on high-deductible health plans proved to hold costs down.

Individual plans won’t be allowed to have a deductible higher than $2,000. This rule will mean that 1-in-7 workers will be forced to take a lower deductible, then pay higher insurance costs as a result.

When insurance companies have to cover more stuff, then premiums increase to be able to pay the claims.

Previously, I blogged about how health insurance premiums had already gone up $3,000 during Obama’s first four years. And now you know why.

73% of the new jobs created in the last 5 months were government jobs

From CNS News.

Excerpt:

In June, a total of 142,415,000 people were employed in the U.S, according to the BLS, including 19,938,000 who were employed by federal, state and local governments.

By November, according to data BLS released today, the total number of people employed had climbed to143,262,000, an overall increase of 847,000 in the six months since June.

In the same five-month period since June, the number of people employed by government increased by 621,000 to 20,559,000. These 621,000 new government jobs created in the last five months equal 73.3 percent of the 847,000 new jobs created overall.

How is it possible that the unemployment rate is going down? It’s simple. The government is borrowing over $1 trillion dollars a year from unborn and born children, and they are using that money to reduce the unemployment rate.

That explains part of the drop in unemployment, but there’s more.

Excerpt:

As for that big “drop” in the unemployment rate, all of it was due to the fact that 540,000 Americans are no longer looking for work. They either dropped out, took early disability or retired. Since the start of 2009, 9.7 million Americans have fallen into this category.

All told, more than 24 million Americans who want jobs don’t have them, driving the labor force participation rate to 63.6%, just above August’s 31-year low of 63.5%. This is the worst labor market in a recovery ever.

And it may get worse. The quarterly Wells Fargo/Gallup small-business survey found that 21% plan to cut jobs over the next six months — a surge from 10% last June and a record high.

IBD’s own research shows that small businesses account for nearly 80% of all new job creation in America. A small-business slump means no jobs. It’s that simple.

Business are already being regulated to death by Obamacare, and all this deficit spending means borrowing that has to be paid back with inflation or higher taxes. Why on Earth would anyone try to hire people now? This economy is a wreck.

What is the meaning of Advent? Why do Christians celebrate Advent?

Calendar of Christian Holidays and festivals
Calendar of Christian Holidays and festivals

Advent is:

Advent is the season that begins the liturgical year. It consists of four Sundays starting with the Sunday closest to November 30th. The word advent is derived from the Latin adventus, which means “coming” or “arrival.” In the societies of the Roman empire, the word adventus referred to the arrival of a person of dignity and great power — a king, emperor, or even one of the gods. For Christians, Advent is the time when the church patiently prepares for the coming of the King of Kings, Jesus Christ. On a personal spiritual level, Advent is a time when we should long for a new breaking in of God’s Spirit upon us.

Here is a good post about the story of Advent by Rev. Donald Sensing at Sense of Events blog.

Excerpt:

They were not a wealthy couple. They got by all right in Nazareth because Joseph was a carpenter, a skilled job, but he didn’t make enough money for the finer things of life. Like everyone else in their country, Joseph and Mary relied heavily on their extended families to help them get through the lean times. And when they were doing well, there was always a third cousin or an aunt twice removed who wasn’t, so they helped as much as they could.

To say it was inconvenient to leave Nazareth to travel to Bethlehem would be the greatest of understatements. They had not counted on leaving Nazareth before the child was born. In fact, they didn’t think they would leave Nazareth ever. But a decree had gone out from the Roman emperor that the whole empire would have to pay a special tax. For some reason, the rulers of Judea decided that they may as well take a census while they were at it. Because of the tribal and clannish nature of society, the authorities ordered everyone to go to their ancestral hometowns to be counted and pay the tax.

Protests that some people could not make the trip, such as the aged and infirm, were simply met with rebuff. So Mary, very late in pregnancy, was compelled to schlep down the Jordan River valley on the back of a donkey. The journey by road was about ninety miles, plus having to climb more than 1,300 feet in altitude, so the trip took more than a week. You can’t travel fast leading a donkey on foot carrying a very pregnant woman.

They arrived in Bethlehem on yom rishon, which simply means, “the first day of the week,” the Jews having a specific name for a day of the week only for the Sabbath, the last day of the week. On the Sabbath, they had not traveled because religious law forbade long-distance travel on that day. Besides, they had needed the rest. So on Sunday afternoon, yom rishon, they reached Bethlehem, just one couple among hundreds of families arriving for the census.

Joseph was a lineal descendant of King David, whose hometown had been Bethlehem. Joseph never made too much of his royal ancestry. Certainly, he was not the only descendant of David, and just as certainly, Joseph never thought about claiming the ancient throne. The Jews had lived under foreign domination for hundreds of years, first by the Greeks and then the Romans. The idea of regaining political independence was simply absurd. There was no way successfully to fight the Roman army, as dozens of Mediterranean nations had discovered.

The little town of Bethlehem lacked the infrastructure to cope with a large influx of people needing to stay for several days at a minimum. The early arrivers had gained lodging with relatives, but the small houses filled up fast. There were few inns in the town that had filled well before Joseph and Mary got to town.

Joseph tried to gain lodging at an inn, but the owner was unyielding. He explained that to take them in, he’d have to throw someone else out. He would not have such dishonor on his head, pregnant Mary or no.

“Try the outside of town,” the man said. “There may be a few homes there with space for a kinsman.”

Click here to read the rest. This is a good post to send to people who don’t know what Christmas is about.