Tag Archives: Health-care

Obama’s Affordable Care Act: health care costs rise by the most in 32 years

Trust Obama with your health care plan
Trust Obama with your health care plan

Should you entrust a “community organizer” to reform health care? What if he had no record of having successfully reformed health care in his resume – at any level of government? What if he refused to show you his academic transcripts? What if he had not a single private sector job related to health care in his resume? What if he had written an autobiography where he confessed to drug use that has very possibly damaged his brain so that all he can do is play golf and read a teleprompter?

Should you hire someone like that to reform health care? What if he only gives you one reason to hire him: his skin color? Should you hire someone to reform health care based solely on his skin color?

CNN Money explains what Obamacare has done to health care costs:

Health care costs rose sharply in August.
Prices for medicine, doctor appointments and health insurance rose the most last month since 1984. The price increases come amid a broader debate about climbing health care costs and high premiums for Obamacare coverage.

A recent report by Kaiser/HRET Employer Health Benefits forecasts that the average family health care plan will cost $18,142, up 3.4% from 2015. That’s faster than wage growth in America.

Medical care costs altogether rose 1% just in August from July, according to the Consumer Price Index, a report on price inflation from the U.S. Labor Department.

Premiums on the Obamacare exchanges are expected to rise by double-digits this year.

Some health insurers, such as Aetna, have recently announced they would pull out of the Obamacare exchanges, saying Obamacare patients have turned out to be sicker and costlier than expected.

Overall, workers are paying up more for deductibles. Over half of U.S. workers with single coverage health insurance plans pay a deductible of $1,000 or more, up from 31% of workers in 2011.

And the health care price increases come as inflation overall continues to be low. Consumer prices altogether rose 1.1% in August compared to a year ago.

Consider this article from Investors Business Daily to illustrate the importance of not picking a President based on confident words and personal charisma.

It says:

Employer-based health insurance premiums climbed 4.2% this year for family plans, according to an annual Kaiser Family Foundation report. That’s up from 3% the year before.

Since 2008, average family premiums have climbed a total of $4,865.

The White House cheered the news, saying it was a sign of continued slow growth in premium costs.

[…]”We will start,” Obama said back in 2008, “by reducing premiums by as much as $2,500 per family.”

That $2,500 figure was Obama’s mantra on health care. You can watch the video if you don’t believe it.

And Obama wasn’t talking about government subsidized insurance or expanding Medicaid or anything like that. He specifically focused on employer provided health care.

For “people who already have insurance, and the employers who are providing it,” he said at one campaign event, “we will work to lower your premiums by up to $2,500 per family.”

Let’s watch the video. I want everyone to see how confident a clown can sound when he lies about being able to solve problems that he knows nothing about.

He had no record of achievement in this area. None, Zero, Zip. And the same goes for his claims about keeping your doctor, keeping your health care plan, and so on. It was all lies – just things that people wanted to believe, that Obama did not have the ability to make happen. He had never, ever done anything with health care ever before. You would literally have had a better result if you had handed the job of health care reform to a turnip.

Honestly, someone’s skin color, sex, national origin or sexual orientation is not a reason to hire them to do an important job. Obama isn’t qualified to flip burgers in a McDonald’s. Why would anyone entrust someone with no transcripts and no resume to undertake such a momentous task? This is hurting real people – real people are having to pay the costs of electing an affirmative action President. We really need to not do things like that.

Next time, if we are going to hire someone to reform health care, let’s hire someone like black economist Thomas Sowell. At least he has experience in economics enough to know what happens next to all parties involved in a policy implementation. Obama, on the other hand, has doubled the national debt from $10 trillion to $20 trillion – an enormous burden on the next generation of American workers. What did we get for all this spending? Absolute and complete failure across the board.

Canadian Liberal Party introduces bill to legalize euthanasia

Jody Wilson-Raybould, Minister of Justice and Attorney General of Canada
Jody Wilson-Raybould, Minister of Justice and Attorney General of Canada (right)

Life Site News has a story about Canada’s new assisted suicide bill:

The Liberal government’s euthanasia bill introduced Thursday will not protect vulnerable Canadians or the conscience rights of physicians, say anti-euthanasia activists.

While Justice Minister Jody Wilson-Raybould’s Bill C-14 is more restrictive than the legislative framework the special joint parliamentary committee recommended in its February 2016 report, it essentially provides “a perfect cover for acts of murder, absolutely,” says Alex Schadenberg, executive director of the Euthanasia Prevention Coalition.

The draft legislation restricts eligibility for euthanasia and assisted suicide to competent patients 18 years of age and older who have “an incurable serious and incurable illness, disease or disability” which “causes them enduring physical or psychological suffering that is intolerable to them and that cannot be relieved under conditions,” who are in “an advanced state of decline in capability” and whose “natural death is reasonably foreseeable.”

The legislation mandates that a patient request assisted suicide or voluntary euthanasia in writing, and that this request be approved by two independent medical practitioners, or nurse practitioners.

It mandates a 15-day waiting period after the request is approved, but that period can be waived if the two medical practitioners deem the patient’s condition will deteriorate before that time is up.

[…]Schadenberg says the bill “does not provide effective oversight in the law,” because while it calls for two independent physicians or nurse practitioners to approve a request for euthanasia,  “this is the system where the doctor or nurse practitioner who does the act also does the reporting.”

The legislation also provides “legal immunity for anyone, anyone who does anything at a person’s request, under Sections 241.3, 241.5,” he said.

[…][W]hile the bill acknowledges conscience rights in its preamble, it “provides no protection for conscientious objectors,” according to Albertos Polizogopoulos, a constitutional lawyer for Canadian Physicians for Life.

Canadian doctors are already forced to perform abortions against their conscience, so this last point is no great surprise.

In a country that has single payer health care, all medical care is paid for by the federal government. You pay into the system your whole life (at an average of 42% of your income, in Canada) and then at the end, you get in line and hope that the government will treat you. It is extremely convenient for the government to kill off patients who are elderly. Elderly patients won’t be able to vote in many more elections, but they will want to draw away funds that could be used to buy the votes of young people who want “free” breast enlargements, plastic surgery, sex changes and IVF treatment. So the government has every incentive to cut loose the old people and then buy the votes of young people with the taxpayer money they save. Single payer health care is a scam to help politicians stay in power.

Similar laws in places like Belgium and Netherlands have been used to cut down on the medical bills that the government must pay.

A Parliamentary committee brief that I found on the Canadian government web site says this:

A study published in the NEJM entitled: Recent Trends in Euthanasia and Other End-of-Life Practices in Belgium (March 19, 2015) found that 4.6% of all deaths in the first six months of 2013, in the Flanders region of Belgium, were by assisted death and 1.7% of all deaths were assisted deaths without explicit request representing more than 1000 assisted deaths without explicit request in 2013.

The supplemental appendix in the study informs us how the researchers classified the data.

It states: “If in the latter case the drugs had been administered at the patient’s explicit request, the act was classified as euthanasia or assisted suicide depending on whether the patient self-administered the drugs. If drugs were used with the same explicit intention to hasten death but without the patient’s explicit request, the act was classified as hastening death without explicit patient request. This can include cases where a patient request was not judged as explicit by the physician, where the request came from the family or where the physician acted out of compassion.”

This research study confirms that many intentional hastened deaths are occurring without the explicit request of the patient which contravenes the Belgian assisted death law and medical ethics.

Previously, I blogged about how the UK government provides bonuses to hospitals who put elderly patients on an end-of-life pathway.

Ethicist Wesley J. Smith comments on the Canadian law in National Review.


The Canadian government has tabled its new euthanasia bill–and as expected, it will be the most radical in the world.

Since the death doctor need not be present at the demise, the bill creates an unprecedented license for family members, friends–heck, a guy down the street–to make people dead.

[…]In short, this provision is the perfect defense for the murder of sick and disabled people who requested lethal drugs.

The George Delury case is an example of what I mean: Delury said he assisted wife, Myrna Lebov’s suicide out of “compassion” and at her request due to MS.

But his real hope was not only to be free from care giving, but become famous writing a book about her death. (He did, What If She Wants to Die?)

It almost worked. But because assisted suicide was a criminal offense, authorities conducted an investigation and discovered his diary.  It showed that contrary to the compassionate face Delury was conjuring, in reality, he emotionally pressured Myrna into wanting to commit suicide, telling her, for example, that she was a burden and ruining his life.

He also withheld full dosage of antidepressants so he could use those drugs to kill her. And, he but put a plastic bag over her head to make sure she died.

If euthanasia Canada’s bill had been the law of New York when Delury killed Myrnov, he might have been able to coerce her into asking for lethal drugs. At that point, he could have killed her any time he wanted and there wouldn’t have been a criminal investigation to find his diary.

Canada has just paved the way for a person, hungry for an inheritance or ideologically predisposed, to get away with the perfect murder.

In the last election, the Liberal Party promised the Canadian voters the moon, in terms of new spending. They said it would only add 10 billion to the deficit this year. But now (after the election) the number has exploded to 30 billion this year and over 100 billion over the next five years. Could this euthanasia plan be the first step in balancing the books, so they can win re-election?

How well is Obamacare working, and will Ted Cruz or Donald Trump fix health care?

Obamacare Bronze plans: and don't forget the $6850 deductibles
Obamacare Bronze plans

Two stories, then we’ll see whether Trump or Cruz is more likely to repeal Obamacare.

The Daily Signal lists 4 problems with Obamacare:

  1. Rising Costs
  2. Higher Taxes
  3. Unstable Enrollment
  4. Hostility to Personal Liberty

Let’s look at the first two:

Rising Costs

Contrary to repeated administration promises, Obamacare has not only failed to lower costs, but has also imposed additional expenses on millions of already over-stretched individuals and families.

Premiums in the government created exchanges were an initially jolting experience for Americans who did not qualify for taxpayer subsidies, and it appears that in 2016 premium increases in the government’s health insurance exchanges will again hit enrollees in the double digit range.

When it comes to average job-based premiums, the Congressional Budget Office (CBO) says that they, too, are climbing, and will rise almost 60 percent between now and 2025. Deductibles in the Affordable Care Act exchanges have also jumped higher than officials anticipated, discouraging the purchase of the Obamacare coverage among the poor and the young.

[…]Today, based on CBO data, the net cost of Obamacare’s coverage provisions—subtracting the taxes and penalties—will amount to over $1.4 trillion over the next ten years.

Higher Taxes

Obama promised he would not raise taxes on the middle-class. But Congressional Budget Office data indicates that Obamacare’s numerous taxes, fees, and penalties will cost about $832 billion over the years 2016 – 2025. And middle-class Americans are going to be hit—directly and indirectly.

Even lower-income workers will get hit by Obamacare taxes, including the so-called Cadillac tax on expensive health plans offered by large firms, as well as the individual mandate tax penalty.

For 2016, that mandate tax penalty for a single adult is $695 and up to $2,085 for a family.

We also need to remember how many companies took their employees off of the full-time work week to keep them below the 30 hours, so that they wouldn’t have to buy them this expensive health care with all the new minimum coverages (drug addiction therapy coverage is mandatory now?) that raised the price of health care insurance premiums.

But there’s more than just more government spending, higher premiums, higher deductibles and higher tax penalties for those who opt out of the individual mandate. There’s also the regulation side of things. Doctors are now being regulated by the government to the point where they are dropping out of the field. And there are fewer people who want to become doctors, because of the regulations.

Primary care doctor shortage
Primary care doctor shortage

So, how do we fix it? Well, one person who will not fix it is Donald Trump. Trump isn’t aware of any of the problems with Obamacare – he wants to expand government control of health care. Make it cover more people, for more mandated coverages (toupees, wigs, Viagra, hair replacement surgery?)

When government pays for all the health care provisioning, we call that a single-payer system. And Trump is for it – that clip is from September 27, 2015. In the Fox News debate in August, he said that single payer health care “works in Canada“.

Do you think more government-control of health care will make things better? Look at how things are going in the single-payer system for our armed forces veterans in the VA single-payer system – they are dying while bureaucrats collect fat bonuses for concealing the waiting lists. Just as in Canada and the UK, the patients are dying on waiting lists while waiting for care. They pay into the Trump health care system their whole lives, then when they are old and of no use to the government, they are denied care and left to die.

Single-payer health care wait times in Canada
Single-payer health care wait times in Canada

How much do Canadians pay in taxes, in order to wait on waiting lists for the government to decide to give them health care?

This Toronto Sun article explains:

Canadians retain just 21% of their income after paying the taxman and covering the cost of necessities, according to a Fraser Institute study.

Taxes gobble up a whopping 42% of the average Canadian family’s income. About 37% of income goes to cover housing, food and clothing.

“We’ve found … that over the last five decades or so, the tax bill for the average Canadian family has grown dramatically,” said study coauthor Charles Lammam.

Well, what about Ted Cruz? Has he got any sort of plan for Obamacare and consumer-centered health care reform?

Ted Cruz

Yes, he’s going to repeal Obamacare on day one, and then work to replace it with this:

Main points:

Ted Cruz's health care plan: choice and competition
Ted Cruz’s health care plan: choice and competition

Cruz explains it himself here:

At the eighth Republican presidential primary debate on February 6, 2016, Ted Cruz discussed repealing Obamacare: “Socialized medicine is a disaster. It does not work. If you look at the countries that have imposed socialized medicine, that have put the government in charge of providing medicine, what inevitably happens is rationing. … If I’m elected president, we will repeal every word of Obamacare. And once we do that, we will adopt common sense reforms, number one, we’ll allow people to purchase health insurance across state lines that will drive down prices and expand the availability of low cost catastrophic insurance. We’ll expand health savings accounts; and we will de-link health insurance from employment so that you don’t lose your health insurance when you lose your job, and that way health insurance can be personal, portable and affordable and we keep government from getting in between us and our doctors.”

Those of you who like to read consumer-centered health care policy scholars like me (Sally C. Pipes, Regina Herzlinger, Michael D. Tanner, Michael F. Cannon, John C. Goodman, Ilya Shapiro, Avik Roy, etc.) will recognize a lot of what he is proposing – he stole it all from the conservative and libertarian policy experts.

To me, that sounds better than Trump’s plan of expanding government-run health care into universal government-run health care. If I wanted that, I’d go to Canada or the UK, and just die on a waiting list after paying 42% of my salary into the system for my whole working life.

Desiring God asks: is socialism in conflict with Christianity?

Bible study that hits the spot
Bible study that hits the spot

My friend Kevin sent me this amazing article about socialism, which appeared at Desiring God (!!!), of all places. It was authored by Phillip Holmes, who – I see from his picture -has dark skin like me, which is awesome!

In the past, I have given Desiring God and John Piper a lot of heat for not connecting Christianity to the real world. This was especially annoying to me during elections, or when legislation of interest to conservatives was being debated. But I’ve noted that Piper is now much better than he was before.

Anyway, here’s the intro to the article:

Socialism is trending in the minds of many Americans. Some love it, some hate it, and others are indifferent to it. Some Christians argue that it’s evil, while others argue that it’s morally good or neutral. Those that argue for its wickedness often fail to condemn the crony capitalism and corporate welfare that is widespread in the United States; therefore, their arguments often fall on deaf ears with socialist sympathizers. The arguments for its moral good or neutrality typically appeals to emotion, rather than evidence, which is considered insufficient for those that oppose it.

Then they quote John Piper for the definition of socialism – and it’s a great definition, it really captures what is interesting for us as Christians about socialism:

A social and economic system that through legal or governmental or military coercion — in other words, you go to jail if you don’t do this — establishes social ownership at the expense of private or personal ownership and/or you could say where coercion is used to establish social control — if not ownership, at least control of the means of production in society. And thus, through control, you effectively eliminate many of the implications and motivations of private ownership.

In other words, Socialism borrows the compassionate aims of Christianity in meeting people’s needs while rejecting the Christian expectation that this compassion not be coerced or forced. Socialism, therefore, gets its attractiveness at certain points in history where people are drawn to the entitlements that Socialism brings, and where people are ignorant or forgetful of the coercion and the force required to implement it — and whether or not that coercion might, in fact, backfire and result in greater poverty or drab uniformity or, worse, the abuse of the coercion as we saw in the murderous states like USSR and Cambodia.

F. A. Hayek says that the rule of law and private property are the foundations for all other rights, even religious liberty. So, Piper’s focus on property rights is right on the money. This is what we should care about when it comes to socialism, because it impacts our other liberties. The more free the free market is, the most Christians can follow their consciences. But the more the government takes hold of private industry, the harder it is for Christians to earn a living without toeing the secular government’s line. Take a look at what is happening to doctors and nurses in socialist countries like Canada. They are forced to perform abortions, they are forced to assist with assisted suicide. Why? Because government is running the health care system, and there is no other company you can run to that will respect your views. There is no escape when a secular government takes over large parts of the private sector.

This part is my favorite part, the author quotes my favorite economist, Thomas Sowell:

Despite the good they seem to do in some cases, I can’t in good conscience embrace them as a necessary means to escaping poverty. In my experience, I’ve witnessed it hinder more families than it has helped. We give social programs too much credit and the importance of family and faith too little. As a matter of fact, some economists assert that it was during the welfare state the condition of a particular group of its recipients began to decelerate. As the black economist Thomas Sowell pointed out:

The black family, which had survived centuries of slavery and discrimination, began rapidly disintegrating in the liberal welfare state that subsidized unwed pregnancy and changed welfare from an emergency rescue to a way of life.

Sowell continues to attack the myth that social programs improved the conditions of blacks in America:

The economic rise of blacks began decades earlier, before any of the legislation and policies that are credited with producing that rise. The continuation of the rise of blacks out of poverty did not — repeat, did not — accelerate during the 1960s.

The poverty rate among black families fell from 87 percent in 1940 to 47 percent in 1960, during an era of virtually no major civil rights legislation or anti-poverty programs.

Evidence seems to suggest that the families that have eliminated the poverty cycle while on social programs would have very likely done the same without the programs. While there have been numerous instances of grave injustices towards minority groups in our country that have hindered progress (slavery, Jim Crow), social programs don’t seem to be the cause of any significant improvements. Therefore, I want to humbly provide three practical reasons, based on my Christian worldview, why more social programs could actually substitute the family, empower the government, and hinder the church.

This is correct. Attempts to help the poor by redistributing wealth from those who produce to those who cannot or will not actually make things worse – by drawing more people “on the margin” into dependency.

One last snip:

Social programs are a slippery slope that could lead to unjust governments, more broken homes, and dead churches. Therefore, I simply can’t embrace them. A free society under a just government gives us plenty of options. We love our neighbors by starting non-profits, building hospitals, and opening schools that address the needs of the people without using the force of the government. What I’m proposing is not easy, but it is a biblical alternative that will require sacrifice, vision, newfound conviction, and a radical shift in how we view church, family, and government.

See, he sees private, voluntary charity as an option to government-run redistribution. An option that encourages economic growth, while safeguarding liberty and conscience for Christians.

I really love this article. The problem with me is that I don’t think enough about how to make my views palatable to well-meaning people on the other side. The author of this article does know how to defuse potential objections gently and graciously.

What happens when Christians vote to put secular government in charge of health care?

Canada Election 2015: Socialists in red, Communists in Orange, Conservatives in blue
Canada Election 2015: Socialists in red, Communists in Orange, Conservatives in blue

No need to wonder, just look north to Canada. Wesley J. Smith explains in First Things.


Last year, the Canadian Supreme Court created a right to euthanasia and assisted suicide. To qualify for death, the court ruled unanimously, one must be a competent adult with a medically diagnosed condition causing “irremediable suffering”—a circumstance wholly determined by the patient and including “psychological suffering.”

The decision went well beyond mere legalization. Indeed, the court manufactured an enforceable legal right for qualified patients to receive what Canadian policymakers are euphemistically calling “medical aid in dying” (MAID).

But what about doctors opposed to euthanasia? The court left with Parliament and the medical colleges (associations) the decision of whether and how to accommodate doctors with conscience objections, granting a one-year (now extended) period within which to enact laws to govern the practice. Since then, civil liberties groups, provincial medical colleges, and official government commissions have urged Parliament … to pass laws that would coerce doctors who are religiously or philosophically opposed to euthanasia to cooperate actively in mercy killings by forcing them to procure death doctors for their patients.

But isn’t there a “Constitution” in Canada? Yes, but it’s interpreted by unelected judges:

All of this would seem to fly in the face of Canada’s 1982 Charter of Rights and Freedoms,which states, “Everyone has the fundamental freedom of conscience and religion.” Illustrating the utter lack of regard that secularized Canada now has for religious liberty, the Canadian Civil Liberties Association—that country’s counterpart to the ACLU—applauded the parliamentary committee’s call to stomp upon religious conscience as a “promising step forward.”

Doctors aren’t the only ones threatened with religious persecution under Canada’s looming euthanasia regime. Provincial and federal commissions have both recommended that nurses, physician’s assistants, and other such licensed medical practitioners be allowed to do the actual euthanizing under the direction of a doctor.

Voting for a single-payer health care system, such as the one praised by Donald Trump, makes the situation much worse:

Even Catholic and other religious nursing homes and hospices may soon be required by law to permit euthanasia on their premises, for the federal commission recommended that federal and provincial governments “ensure that all publicly funded health care institutions provide medical assistance in dying.” That is a very broad category. Canada has a single-payer, socialized healthcare financing system that permits little private-pay medical care outside of nursing homes. Not only that, but as Alex Schadenberg, director of the Canada-based Euthanasia Prevention Coalition told me, “religiously-affiliated institutions [in Canada] have become the primary care facilities for elderly persons, those requiring psychiatric care, and dying persons. They are now being told that as a condition of providing those services they will be required to permit doctors to kill these very patients by lethal injection. If they refuse, they will find themselves in a showdown with the government.”

The more people who opt to kill themselves, the less the government has to pay in health care. Naturally, the secular government looks at euthanasia as a great way to cut the costs of taxpayers who have paid into the single-payer system their whole lives, and now want to make withdrawals. If the government kills them now, they get to keep all the money, and not give any of it back.

The rights to religious liberty and conscience protections are put at risk everywhere that the secular government takes over the private sector. Christians need to be careful what they vote for at election time. Small government is best for religious liberty and conscience protections.