Tag Archives: Obamacare

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MUST-READ: New York Times critiques socialized medicine

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Ed Morrissey links to this New York Times article from Hot Air.

Excerpt:

New York’s insurance system has been a working laboratory for the core provision of the new federal health care law — insurance even for those who are already sick and facing huge medical bills — and an expensive lesson in unplanned consequences.

[…]The problem stems in part from the state’s high medical costs and in part from its stringent requirements for insurance companies in the individual and small group market. In 1993, motivated by stories of suffering AIDS patients, the state became one of the first to require insurers to extend individual or small group coverage to anyone with pre-existing illnesses.

New York also became one of the few states that require insurers within each region of the state to charge the same rates for the same benefits, regardless of whether people are old or young, male or female, smokers or nonsmokers, high risk or low risk.

Healthy people, in effect, began to subsidize people who needed more health care. The healthier customers soon discovered that the high premiums were not worth it and dropped out of the plans. The pool of insured people shrank to the point where many of them had high health care needs. Without healthier people to spread the risk, their premiums skyrocketed, a phenomenon known in the trade as the “adverse selection death spiral.”

Obama plans to get around the problem of healthy young people opting out of paying for other people’s health care by fining them.

The new federal health care law tries to avoid the death spiral by requiring everyone to have insurance and penalizing those who do not, as well as offering subsidies to low-income customers.

[…]Under the federal law, those who refuse coverage will have to pay an annual penalty of $695 per person, up to $2,085 per family, or 2.5 percent of their household income, whichever is greater. The penalty will be phased in from 2014 to 2016.

How does this reduce health care costs? It doesn’t. But it does explain why we have so many uninsured in this country – they don’t buy insurance because government regulations requiring mandatory coverages have made it a bad deal for them. Young men don’t need to pay for in vitro fertilization and sex changes. They don’t use it, so why should they agree to pay for other people’s problems? They have their own lives to live.

Ed Morrissey explains:

If nothing else, this proves a couple of points that critics have made all along.  The mandates are nothing more than a way to get the young to create a proxy welfare state by forcing them into a usurious insurance model.  It does nothing to reduce actual costs, and in fact makes cost increases both more likely and more amplified.

Now you understand socialized medicine. The left plays on people’s fears and insecurities in order to gain control of the economy. They promise to take care of people, so that people can stop worrying about taking responsibility for their own choices. Once the leftists are elected, they take money from the young people who don’t understand what is happening to them, and they give it away to special interests in order to buy votes.

Commentary

Wesley J. Smith’s top 10 issues in bioethics

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Wesley J. Smith blogs at Secondhand Smoke, but he also works for the Discovery Institute. And he’s written a post about the top 10 issues in bioethics.

Here are the top 10 recent bioethics stories:

  1. The ascendance of an anti-human environmentalism.
  2. The growth of biological colonialism.
  3. The increase in American pro-life attitudes.
  4. The struggle over Obamacare.
  5. Legalization of assisted suicide in Washington.
  6. The success of adult-stem-cell research.
  7. “Suicide tourism” in Switzerland.
  8. In vitro fertilization (IVF) anarchy.
  9. The Bush embryonic-stem-cell funding policy.
  10. The dehydration of Terri Schiavo.

Do you know what “suicide tourism” is?

Here’s what it is:

Over the last decade, Switzerland became Jack Kevorkian as a country, its suicide clinics catering to an increasingly international clientele — mostly from the United Kingdom — with the victims ranging from the terminally ill, to people with disabilities, to even a double suicide of a terminally ill elderly woman and her frail husband, who wanted to die rather than be cared for by others. Alas, as was the case with Kevorkian in the 1990s, audacity was rewarded. In the face of a wave of high-profile suicide-tourism stories, England’s head prosecutor published guidelines that, in essence, decriminalized family and friends’ assisting the suicides of the dying, disabled, and infirm. Others mimicked the Swiss. In the U.S., the Final Exit Network appears to have created mobile suicide clinics, leading to the indictment of several of its organizers. Meanwhile, the Australian “Dr. Death,” Philip Nitschke, traveled the world holding how-to-commit-suicide clinics. Still, as the decade came to a close, there was a sense that the tide could be turning: The Swiss government appears poised to shut down the suicide-tourism industry, perhaps even — although this is less likely — outlawing assisted suicide altogether.

Actually, the UK is considering cashing in on suicide tourism, as well.

News

How Obamacare raises your taxes if you don’t buy health insurance

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Story here from the Daily Caller. (H/T Hot Air)

Excerpt:

Individuals who don’t purchase health insurance may lose their tax refunds according to IRS Commissioner Doug Shulman. After acknowledging the recently passed health-care bill limits the agency’s options for enforcing the individual mandate, Shulman told reporters that the most likely way to penalize individuals that don’t comply is by reducing or confiscating their tax refunds.

Speaking at the National Press Club on Monday, Shulman downplayed the IRS’s role in enforcing the recent overhaul of the health insurance industry by claiming the agency would not aggressively target individuals who don’t purchase coverage. He noted that the health-care bill expressly forbids the agency from freezing bank accounts, seizing assets or pursuing criminal charges, but when pressed said the IRS would most likely use tax refund offsets to penalize those that don’t comply with the mandate. The IRS uses refund offsets to collect from individuals that owe the federal government a delinquent debt.

“These are not the kinds of things we send agents out about,” Shulman said. “These are things where you get a letter from us. Congress was very careful to make sure there was nothing too punitive in this bill.”

Many reports have claimed that enforcement of the individual mandate will be non-existent, but Shulman’s answers indicate differently. According to BusinessWeek, starting in 2015 Americans who don’t purchase insurance will be subject to a fine of $325 and that sum increases to $695 in 2016. However, the commissioner seemed confident that in most cases individuals would either receive subsidies to purchase insurance or simply do so on their own in order to comply with the law.

Here’s my previous story explaining how Obamacare is a bad deal for young men because they are forced to pay for the elderly, who use a lot of health care, and they also have to pay for coverage for treatments they will never need, like breast implants and in vitro and abortions. If you young men, and young people in general who are healthy, don’t want to pay for other people’s abortions, then you can kiss your tax refund goodbye.