Tag Archives: Choice

Conservative legislators introduce new consumer-focused replacement for Obamacare

Obamacare premium growth, 2015-2016
Obamacare insurers are dropping out, which raises premiums higher, 2015-2016

I have your Thursday good news ready to go – from the Daily Signal.

This is how you reform health care:

Sen. Rand Paul, R-Ky., and Rep. Mark Sanford, R-S.C., introduced a bill to replace Obamacare on Wednesday, increasing the pressure on GOP leaders who continue to discuss moving the law’s replacement at the same time as its repeal.

The legislation already has the full support of the House Freedom Caucus, a group of roughly 40 of the lower chamber’s conservative members. Conservatives in both the House and Senate have said they want to see repeal efforts move faster, and the lawmakers are hoping that the legislation is a turning point in the repeal-and-replace debate.

“We’re excited about the fact that it will finally be able to address many of the concerns that we’re hearing, whether it’s at town halls or personal calls from our constituents about pre-existing conditions, about how to empower the consumer in terms of their health care choice, and ultimately drive down the price of health care,” House Freedom Caucus Chairman Mark Meadows, R-N.C., said Wednesday.

Called the Obamacare Replacement Act, the legislation shares the hallmarks of other GOP replacement plans, and Paul said it was a “consensus bill” that pulled aspects of other proposals together.

[…]Paul and Sanford’s bill focuses heavily on the expansion of health savings accounts (HSAs), which are medical savings accounts. Their legislation allows consumers to contribute an unlimited amount annually to HSAs. Currently, consumers can contribute a maximum of $3,400 per year.

The Obamacare Replacement Act also creates a $5,000 tax credit for those who contribute to a HSA, and prohibits consumers from using the money in their accounts to pay for elective abortions.

Under Paul and Sanford’s bill, consumers who don’t receive insurance through their employers can deduct the cost of premiums from their taxable incomes, which serves to equalize the tax treatment for individuals and employers.

Additionally, the legislation allows individuals and small businesses to band together through membership in an Association Health Plan to buy health insurance. Paul and Sanford said these pooling mechanisms will decrease costs for consumers.

The bill also allows insurance companies to sell policies across state lines and eliminates Obamacare’s essential health benefits mandate, which is a list of services insurance plans are required to cover without cost-sharing.

If you want to drive down the cost of health care, you let people get covered for only what they need – no abortions, sex changes, IVF, acupuncture, drug rehabilitation, breast enlargements, fertility treatments, etc. Allowing people to buy plans across state lines will mean that consumers in blue states like California and Massachusetts won’t be forced to buy in-state plans that cover all kinds of progressive garbage that they don’t even want.

Look how Obamacare is falling apart:

At the Future of Healthcare event put on by the Wall Street Journal, Aetna CEO Mark Bertolini said that Obamacare was only “getting worse” because there weren’t enough young, healthy enrollees to pay for the sick people covered by the Obamacare exchanges. Bertolini said it was due to “how poorly structured the funding mechanism and premium model is,” as premiums keep increasing with the death spiral, causing less people to sign up, and thus resulting in even higher premiums.

“I think you will see a lot more withdrawals this year of plans,” Bertolini said.

On Wednesday, Humana–which came to a mutual agreement with Aetna not to merge–announcedthat it was withdrawing from Obamacare altogether. In 2016, UnitedHealth also announced that they would be pulling out of the Obamacare exchanges, and Aetna itself said they would only stay in four Obamacare exchanges.

Bertolini stated at the event that the company has not decided if it will remain in these Obamacare exchanges.

“There isn’t any risk sharing going on in Nebraska,” Bertolini said, pointing to the fact that Aetna was the only insurer left in that exchange. “It will cost us a lot of money.”

Now is the time to replace it!

The problem with Obamacare is that it didn’t do anything to leverage the strengths of the free enterprise system. Instead of turning health care purchasing into competitive online e-commerce (i.e. – Amazon), they turned it into the DMV and the post office. What else would you expect from clowns who were born rich, and never held private sector jobs in their entire lives? You don’t expect the people who run the single-payer VA health system that is killing people on waiting lists to do a good job of reforming health care, do you? Let the free market solve it. Choice and competition means lower prices.

Report: Common Core does not prepare students for college

Cato Institute graphs education spending against test scores
Cato Institute graphs education spending against test scores

First, let’s recall why Common Core was enacted by the Democrats by excerpting this post from The Pulse.

It says:

When Common Core was sprung on the whole nation in 2010, it promised that every kid graduating high school will be “career- and college-ready.” Career-readiness was quickly left by the wayside — nobody, including the NAGB [National Assessment Governing Board], could figure out what it means — but college-readiness remained the “chicken in every pot” promise of Common Core.

The Daily Signal reports on a new report by the American College of Testing, the group behind the ACT college readiness test.

Excerpt:

A recently released report confirms what Common Core critics have suspected all along: Common Core State Standards do not adequately prepare students for college-level work.

The ACT report finds many concerning shortcomings in the Common Core State Standards, which have been adopted by most states. Notably, the report reveals:

  • “While secondary teachers may be focusing on source-based writing [essays written about source-based documents], as emphasized in the Common Core, college instructors appear to value the ability to generate sound ideas more than some key features of source-based writing.
  • “Some early elementary teachers are still teaching certain math topics omitted from the Common Core standards, perhaps based on the needs—real or perceived—of students entering their classrooms.
  • “In addition, many mathematics teachers in grades 4–7 report including certain topics relevant in STEM coursework in their curricula at grades earlier than they appear in the Common Core.”

Teachers who must adjust their curriculum to fit Common Core aligned state tests now find themselves in a bind. As the report finds, the Common Core math standards do not adequately provide a child with the skills needed to succeed in the classroom, forcing teachers to add on extra material to their limited instruction time.

Additionally, high school English teachers must now emphasize material that leaves students lacking in original thought and analytical skills, according to many college professors. For example, only 18 percent of college professors surveyed rated their students as prepared to distinguish between opinion, fact, and reasoned judgement—a skill determined to be important for college-level work.

The “one-size-fits-all” national standards are underserving American children. It is nearly impossible, and does a great disservice to future generations, to demand uniformity and place restrictions on the classroom that assumes one “best practice.”

Common Core was designed to better prepare students for college, but now we know that it had the exact opposite effect from what the leftists intended – and what the leftists promised us. Just like Obamacare, we elected people who didn’t know what they were doing, did something that made the problem worse, and wasted a ton of taxpayer money in the process. Failure across the board.

One obvious point to make about Common Core is that conservatives are right when we say that education is a state and local issue. It shouldn’t be a federal level issue. Ted Cruz was going to abolish the Department of Education at the federal level and push it down to the states, so that we wouldn’t have screw-ups like this. Just think of all the money that’s been wasted on Common Core, and now we find out that it’s a disaster, just like Head Start.

Big government liberals like the idea of making everything equal, but if everything is equally bad then we really should let parents decide how to educate their kids. They’ll make better choices than secular leftist educrats anyway. The right solution is to give the parents a voucher, and let them choose which school to send their child to – and homeschooling parents should not have to pay into a system that they don’t even use.

Baby elephant in China cries for 5 hours after being stomped by his mom

Baby elephant rejected by his mother
Baby elephant cries after being attacked by his own mother

From the New York Daily News. (Printable version linked)

Excerpt:

Little Zhuangzhuang, a newborn elephant at a wildlife refuge in China, was inconsolable after his mother rejected him and then tried to stomp him to death.

Tears streamed down his gray trunk for five hours as zookeepers struggled to comfort the baby elephant.

They initially thought it was an accident when the mom stepped on him after giving birth, according to the Central European News agency.

Employees removed him, cleaned him up and treated his injuries, then reunited the baby with his momma.

But she was having none of it, and began stomping him again.

So the game keepers stepped in once more and permanently separated the two.

“We don’t know why the mother turned on her calf but we couldn’t take a chance,” an employee told CEN.

“The calf was very upset and he was crying for five hours before he could be consoled,” he said.

“He couldn’t bear to be parted from his mother and it was his mother who was trying to kill him.”

The petite pachyderm, born in August, is now doing well. The zookeeper who rescued him from his violent mother adopted him and helped him thrive at the Shendiaoshan wild animal reserve in Rong-cheng, China.

I found another photo of the baby elephant here:

Baby elephant's birthday is supposed to be happy
A baby elephant’s birthday is supposed to be happy

And Sun News added this:

Elephants rejecting their young is not uncommon, either in captivity or in the wild. In 2004, baby elephant Keemaya died at the Calgary Zoo after its mother refused to care for it.

I guess a lot of my views on ethics are rooted in the obvious needs that children have. When I look at an unborn baby, I can tell what it needs. So, I am careful not to cause a pregnancy before I can supply its needs. The needs of the little unborn creature are driving these moral boundaries on me. And the same with born children. I oppose gay marriage because when I look at little children, I want them to have a stable environment to grow up in with a mother and father who are biologically related to them (in the best case). I permit lots of arrangements, but I promote one arrangement over the others because that’s what’s best for children. Anyone can look at unborn and born children and see that, just like anyone can look at a crying baby elephant and understand – “I have to govern my behavior so that I don’t hurt you”. If that means cutting off the premarital sex and making decisions that are likely to produce a stable marriage, then that’s what we should do.

Children cry too, you know. They cry when we hurt them. They cry when we make bad decisions and when we don’t provide them with what they need. Children need mothers and fathers who care about them. Making a safe environment for a child isn’t an accident. It isn’t random and unpredictable. We have to control our desires before we have children, so that we provide children with what they need. It would be nice if men and women were more thoughtful and unselfish about children and marriage before they started in with sex.

Wayne Grudem explains what the Bible says about parents and schools

Theology that hits the spot
Theology that hits the spot

This is a must-listen lecture from famous pastor Wayne Grudem.

The MP3 file is here.

The PDF outline is here.

Note: public schools = government-run schools.

Topics:

  • Does God care whether we people marry and have children?
  • Does God care whether Christian parents raise their children to know him?
  • Should government promote bearing children?
  • What are some effects of declining birth rates in other countries?
  • What are the economic effects of declining birth rates?
  • Who has the right to decide how children are trained: government or parents?
  • What does the Bible say about parents having to raise children to know him?
  • Does the government have the responsibility for training children?
  • What do educational bureaucrats think of parents training children?
  • What do school boards think of parents training children?
  • Should school boards be elected by local, state or federal government?
  • Should Christians be opposed to government-run education? (public schools)
  • How should schools be viewed by parents? As a replacement or as a helper?
  • How are schools viewed by those on the left and in communist countries?
  • How can you measure how supporting a government is of parental rights?
  • How is parental authority viewed in left-wing EU countries like Germany?
  • How is parental authority respected in the United States?
  • Should parents have a choice of where their children go to school?
  • What is a voucher program? How is it related to parental autonomy?
  • How does competition (school choice) in education serve parental needs?
  • Why do public school teachers, unions and educrats oppose competitition?
  • How well do public schools do in educating children to achieve?
  • Does the government-run monopoly of public schools produce results?
  • Does paying more and more money to public schools make them perform?
  • How do teacher unions feel about having to compete in a voucher system?
  • Does the public school monopoly penalize the poorest students?
  • Does the public school monopoly penalize children of certain races?
  • Does the public school monopoly cause racial prejudice?
  • What else should parents demand on education policy?
  • Is it good for parents when schools refuse to fire underperforming teachers?

This podcast is just amazing! This is what we need to be teaching in church. Church should be the place where you go to learn and reflect about how to tailor your life plan based on what the Bible says. And I think that this whole notion of free market – of choice and competition benefiting the consumer (parents) – applies to everything that government does, especially education and health care. The genius of America is that our Founding Fathers engineered a system that reflected all of this knowledge of economics, which then made it much easier for individuals and families to enjoy liberty and a higher quality of life. If we want to keep the benefits, we have to remember why these decisions were made at the founding of our nation.

New study: voucher program improved odds of poor students graduating by 21 percent

The Daily Signal reports on the study.

Excerpt:

Private school choice initiatives have become increasingly common across the United States. Far from being rare and untested, private school choice policies are an integral part of the fabric of American education policy.

In the United States today, 56 different school choice policies exist in 28 states plus the District of Columbia, and the number of choice policies has approximately doubled every four years from 2000 to 2012.

The District of Columbia Opportunity Scholarship Program remains the nation’s only federally sponsored private school choice initiative. It provides scholarships worth up to $8,000 in grades K-8 and $12,000 in high school to low-income children in D.C. to attend any of more than 50 participating private schools.

When the Opportunity Scholarship Program was launched in 2004, the U.S. Department of Education’s Institute of Education Sciences selected me to lead the initial government evaluation of this pilot program in parental school choice. Demand for scholarships exceeded supply, so most applicants faced a lottery to determine if they would receive an Opportunity Scholarship, permitting us to use a “gold standard” experimental research design to determine what impact the program had on participants.

Students in our pioneering study graduated from high school at a rate 21 percentage points higher than they otherwise would have as a result of using an Opportunity Scholarship. In scientific terms, we are more than 99 percent confident that access to school choice through the Opportunity Scholarship Program was the reason students in the program graduated at these much higher rates.

But that’s just one program, how about some others?

My research team similarly found the Milwaukee Parental Choice Program significantly increased the rates of high school graduation, college enrollment and persistence in college for the low-income students participating in our nation’s oldest urban private school choice program.

Researchers at Harvard University and the Brookings Institution determined that a privately funded K-12 scholarship program in New York City significantly increased the rate at which black and immigrant students enrolled in college. Increasingly and consistently, researchers are finding that private school choice programs like the Opportunity Scholarship Program enable students to go farther in school.

It is so good for the poor, minority children if we let their parents get money for school tuition directly. We should let parents make the choice about which school is best for their child. But, Democrats oppose school choice, because they want their allies in the teacher unions to be insulated from competition from better-performing private schools.

Look how the Democrats have fought to kill the D.C. voucher program. They talk about helping poor kids, but they don’t really mean it. And note, that article is written by ultra-leftist Democrat Juan Williams, but even he cares more about poor, minority kids getting an education than the Obama administration does.