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Health insurance premiums up $3,000 since Obama was elected

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From Investors Business Daily.

Excerpt:

During his first run for president, Barack Obama made one very specific promise to voters: He would cut health insurance premiums for families by $2,500, and do so in his first term.

But it turns out that family premiums have increased by more than $3,000 since Obama’s vow, according to the latest annual Kaiser Family Foundation employee health benefits survey.

Premiums for employer-provided family coverage rose $3,065 — 24% — from 2008 to 2012, the Kaiser survey found. Even if you start counting in 2009, premiums have climbed $2,370.

What’s more, premiums climbed faster in Obama’s four years than they did in the previous four under President Bush, the survey data show.

There’s no question about what Obama was promising the country, since he repeated it constantly during his 2008 campaign.

In a debate with Sen. John McCain, for example, Obama said “the only thing we’re going to try to do is lower costs so that those cost savings are passed onto you. And we estimate we can cut the average family’s premium by about $2,500 per year.”

At a campaign stop in Columbus, Ohio, in February 2008, Obama promised that “We are going to work with you to lower your premiums by $2,500. We will not wait 20 years from now to do it, or 10 years from now to do it. We will do it by the end of my first term as president.”

But are Obama’s policies responsible for the increase?

the health reform law Obama signed in March 2010 has pushed up insurance costs.

In 2011, premiums spiked 9.5%, and many in the industry blame ObamaCare for at least part of it. Premiums climbed another 4.5% in 2012, Kaiser found.

And ObamaCare will continue to fuel health premium inflation.

First, the law piles on new coverage mandates. It requires insurance companies to provide 100% coverage for various types of preventive care, bans lifetime coverage limits, extends parents’ coverage to offspring up to 26 years old, and requires plans to meet certain “medical loss ratios.” Coming up are rules on “essential standard benefits,” limits on deductibles, bans on annual spending caps, and much more.

The experience with state mandates show that they only tend to grow over time, and get more expensive. The Council for Affordable Health Insurance found more than 2,200 state benefit mandates, which add from 10% to 50% to the cost of coverage.

“One of the biggest cost drivers in our health care system is the steady proliferation of federal and state-based coverage mandates,” noted CAHI’s Victoria Craig Bunce.

Meanwhile, ObamaCare’s insurance reforms — guaranteed issue and community rating — will likely raise premiums, too.

More regulation of health care companies means higher premiums. The more coverages that are mandatory, the higher premiums will go. If abortions have to be covered, then premiums go up.

Here are a few articles that I have been using lately to inform people about the problems with Obamacare:

It’s important to understand that people who oppose this law don’t oppose because we are just being contrary. Obama’s health care plan has the goal of destroying private medicine and putting everyone into a single-payer system like Canada’s. It’s not good for us to be waiting in line for MRIs for months and months, or even years and years. NO.

Mentoring

How to apologize effectively: responsibility, restitution, repentance

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One of my friends recommended this book “Things I Wish I’d Known Before We Got Married” by Gary Chapman, so I got it and read it this weekend. The book re-capped one of his other books about the 5 languages of apologies or something.

Here’s a re-cap of his five languages of apologies.

Here are the two that I want to emphasize:

Apology Language #3: Making Restitution

In the public arena, our emphasis upon restitution is based upon our sense of justice. The one who commits the crime should pay for the wrongdoing. In contrast, in the private sphere of family and other close relationships, our desire for restitution is almost always based upon our need for love. After being hurt deeply, we need the reassurance that the person who hurt us still loves us.

“How could they love me and do that?” is the question that lingers in our minds. The words “I’m sorry; I was wrong” may not be enough.

For some people, restitution is their primary apology language. For them the statement, “It is not right for me to have treated you that way,” must be followed with “What can I do to show you that I still care about you?” Without this effort at restitution, this person will question the sincerity of the apology. They will continue to feel unloved even though you may have said, “I am sorry; I was wrong.” They wait for the reassurance that you genuinely love them.

The question, then, is how do we make restitution in the most effective way? Since the heart of restitution is reassuring the spouse or family member that you genuinely love him or her, it is essential to express restitution in the love language of the other person.

[…]If restitution is the primary apology language of an individual, then this becomes the most important part of the apology. “I’m sorry; I was wrong” will never be taken as sincere if these words are not accompanied by a sincere effort at restitution. They wait for the assurance that you still genuinely love them. Without your effort to make amends, the apology will not have the desired results of forgiveness.

Apology Language #4: Genuinely Repenting

The word repentance means “to turn around” or “to change one’s mind.” In the context of an apology, it means that an individual realizes that his or her present behavior is destructive. The person regrets the pain he or she is causing the other person, and he chooses to change his behavior.

Without genuine repentance, the other languages of apology may fall on deaf ears. What people who’ve been hurt want to know is, “Do you intend to change, or will this happen again next week?”

How then do we speak the language of repentance?

  • It begins with an expression of intent to change. When we share our intention to change with the person we have offended, we are communicating to them what is going on inside of us. They get a glimpse of our heart—and this often is the language that convinces them we mean what we say.
  • The second step down the road of repentance is developing a plan for implementing change.Often apologies fail to be successful in restoring the relationship because there is no plan for making positive change.
  • The third step down the road of repentance is implementing the plan. Following through with the plan gives evidence to the offended party that your apology was sincere.

Most people do not expect perfection after an apology, but they do expect to see effort.

Thus, expressing your desire to change and coming up with a plan is an extremely important part of an apology to this person. Inviting the offended person to help you come up with a plan for change is perhaps the best way to effectively show repentance.

I think this is somewhat useful, but I wanted to add some of my own thoughts to make it more practical.

Here are some practical tips that I recommend to someone who has done something morally wrong and who wants to apologize.

To fix the problem you need more than talk

To me, the only thing that needs an apology is breaking a moral rule – you can’t beat someone up for just making a mistake. Whenever someone breaks a moral rule with me, like disrespecting me or being selfish, then I pick out a book for them to read and ask them to read it and then write something about how what they learned in the book applies to what they did to me. I don’t pick very long books! But I do this for a very important reason.

The very important reason is that I don’t trust people who just agree with me. I don’t trust people’s words. If someone is really sorry about something, then I want them to read something that describes the moral rule that they broke, and explains what place the moral rule has in some plan for achieving some greater goal. Let me give an example.

Suppose that I am friends with a young lady who wants me to help her to get her atheist uncle, who has a degree in physics, to consider whether Christian theism might not be true. I accept her quest and begin to negotiate with Dr. Michael Strauss, a particle physicist who does research on the top quark at Fermilab, and also teaches physics at the University of Oklahoma – Norman. I contact Dr. Strauss, and contact Lawrence Krauss, the atheist physicist, and I set up a debate between them at the local university. I notify her of my plan, and she promises to bring her uncle to the debate.

The day of the debate comes and it goes off without a hitch – Strauss demolishes Krauss, and Krauss cries for his mommy. The audience laughs at Krauss and he runs away sobbing into the night, clutching his Darwin doll tightly. I beam with delight at a plan perfectly executed, and then look around for the young lady and her uncle, so that we can all go out for a late dinner with Dr. Strauss. But she and her uncle are nowhere to be found! I rush around the auditorium frantically, but to no avail. Finally, in desperation, I call her cell phone.

She answers. I say “where are you? where is your evil uncle Dawkins? The debate is over and we won!”. She says “Oh, I totally forgot. The worship leader at the local mega church had a better idea anyway. She invited me over to her church with my uncle to try snake-handling instead.” Me: “You did what???!!!” She (excited): “Yes, this is a lot more fun than a stuffy debate, and my uncle is about to play patty-cake with a harmless rattlesnake, and… uh oh”. Me: “Oh no…” She: “Um, I’ll call you back. I need to make a call right now.“. Click.

Wow, that’s pretty awful.

So here’s what I would expect from her by way of apology.

  1. Read something on science apologetics as a make-up assignment. Something like Edgar Andrews’ “Who Made God?“.
  2. Listen to Dr. Michael Strauss’ lecture on science apologetics, which he delivered at Stanford University.
  3. Go back to the uncle and sit down with him and watch Dr. Michael Strauss’ lecture on science apologetics from Stanford University, which is up on Youtube.
  4. When the lecture is over, talk with the uncle about his remaining questions, and be available should he think of any more questions.

This would make up for all the work I put into the event because it fixes the problem, and it makes sure that it will never happen again.

The goals of this apology is not just to hear the words “I’m sorry”. It’s not even just about making me feel better. I think the real customer of a mistake like this is God, who is not well served by ineffective Christians. My goal is to prepare her for future evangelism, and for future nurturing of any children she might have. The only way to convince someone to take the right course of action the next time is to change their mind between the time they failed and the next time they try again. There is no way to change how a person behaves unless they convince themselves by reading about the issues, on their own time, through their own effort.

For more on how beliefs change, see this lecture by J.P. Moreland, entitled “Love Your God With All Your Mind“.

News

After legalizing gay marriage, France set to ban ‘mother’ and ‘father’ from official documents

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From the UK Telegraph.

Excerpt:

France is set to ban the words “mother” and “father” from all official documents under controversial plans to legalise gay marriage.

The move… means only the word “parents” would be used in identical marriage ceremonies for all heterosexual and same-sex couples.

The draft law states that “marriage is a union of two people, of different or the same gender”.

It says all references to “mothers and fathers” in the civil code – which enshrines French law – will be swapped for simply “parents”.

The law would also give equal adoption rights to homosexual and heterosexual couples.

[…]President Francois Hollande pledged in his manifesto to legalise gay marriage. The draft law will be presented to his cabinet for approval on October 31.

Hollande is a socialist, just like Barack Obama, who also favors gay marriage, and infanticide, too. Not just abortion, infanticide.

This is not surprising – the same thing has been done in other countries, like Spain:

Ironically, the Socialist government claims that although it pushed through legislation to benefit a small minority of the population – and in the process changed the definition of marriage – that this could in no way be construed as an attack on the traditional family. Indeed, the government claims that it is in truth pro-family.

So now, jump fast forward to last Friday.

That’s when the Spanish government announced a ministerial order that new births would have to be registered at the State Civil Registries in the Family Book under the headings of Parent (progenitor) A, and Parent (progenitor) B.

In other words, the terms “Father” and “Mother” were to be no longer used.

In Spain, marriages, births and deaths are all recorded at Civil Registries, with most of those actions being noted in a Family Book (Libro de Familia). While the example isn’t perfect, think of the Family Book as an extended birth certificate.

Juan Fernando López Aguilar, Spanish Minister of Justice, excused the ministerial order by claiming since the government modified “the status of civil marriages, to allow the union of same-sex couples, it was necessary for a new format for the Family Book (Libro de Familia) and one that used terms such as “Parent A” and “Parent B” instead of “Father” and “Mother.”

That’s right. To match up it’s same-sex marriage legislation to the Civil Registry, the government deemed that Spaniards could no longer qualify themselves as either “Fathers” or “Mothers” of their children.

Canada does the same thing:

In Canada, they’ve already done this. Following the passing of the Civil Marriage Act, all official documentation and legislation was amended, erasing “husbands” and “wives”. And because same-sex couples primarily use reproductive technology to procreate, some Canadian legislation has been amended to replace the term “natural parent” with “legal parent”. As one report describes it: “In short, the adoption exception – that who is a child’s parent is established by legal fiat, not biological connection – becomes the norm for all children.” Most strikingly, on birth certificates some Canadian provinces have replaced the term “father” and “mother” with “Parent 1” and “Parent 2”.

That policy was put in place by the Liberal party, which is the socialist party in Canada, and with the full support of the communist party of Canada, the New Democrat Party.

It’s important to understand what effects these leftist, anti-family, anti-marriage policies have, especially on children. This is what Barack Obama and his socialist friends in other countries want. Leftists are anti-marriage and anti-family. They don’t like mothers and fathers raising children. They want the children to be alone in the world, and shuffled around to various people, and eventually raised by the state and brainwashed to serve the state. Feminism has so poisoned people against the traditional family – and especially the traditional male roles of protector, provider and moral/spiritual leader – that no one is willing to resist the push by socialists to destroy marriage and family.

Imagine being a child and growing up with no access to your biological mother or your biological father, or both of them. This is the horror that the left unleashes on little children, assuming they don’t murder you in the womb. As if it isn’t bad enough to push feminist policies like no-fault divorce and subsidized single motherhood, now they have to go even further. Let me be clear. We should be putting into place policies that promote the nuclear family – a mother and a father being chaste, marrying once for life, and having children who grow up in a loving, stable environment. We should not be promoting recreational sex and promiscuity as equivalent to marriage. Children deserve better.

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