Tag Archives: Socialism

News

Americans choosing not to purchase Obamacare exchange plans

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On Fox News Sunday, Brit Hume talked about how the majority of the new enrollees are signing up for Medicaid, not Obamacare, and how young people are refusing to sign up for Obamacare plans on the exchanges.

And more discussion from the same panel:

For those who can’t watch, here’s an article from Fox News about how the majority of new enrollees are choosing Medicaid, not Obamacare plans.

Excerpt:

While virtually all the ObamaCare focus is trained on the program’s dysfunctional website, another problem could be emerging — in states where individuals are able to sign up, far more are enrolling in Medicaid than private plans.

For now, the statistics are spotty. The Obama administration still hasn’t provided figures on how many people have successfully enrolled through the federally run exchanges. Some, but not all, states have provided their own relatively up-to-date figures.

But for those that have, the lopsided numbers show Medicaid is getting the lion’s share of enrollees.

In Washington state, more than 35,000 people have signed up for coverage since Oct. 1. Of them, just 4,500 went into private plans. Roughly 31,000 signed up for Medicaid — with coverage kicking in sometime between now and Jan. 1.

The director of the state’s Health Care Authority said they were “pleased by the strong response of Medicaid-eligible residents.”

But the imbalance — if it does not even out in the months to come — could create problems for private insurance companies which are relying on a major influx of new and healthy customers to make the system hum.

“There are a lot of elements of this law that have to work, that must work — otherwise the whole thing collapses,” the Cato Institute’s Michael Cannon said. “They need — need — lots of healthy people to sign up for insurance through the exchanges.”

The fact that people are flocking to Medicaid isn’t necessarily a problem — but a lack of healthy enrollees on private plans would be.

The main reason the Affordable Care Act mandated that individuals buy insurance was so that private insurers would get enough young, healthy people in the system who could offset the costs of covering older and sicker patients. Otherwise, at the very least, costs will skyrocket for those in the system.

[…]The Democrat and Chronicle newspaper reports that in New York, nearly 24,000 of the 37,000 newly enrolled residents are going into Medicaid, which millions of New Yorkers are already on. Just 13,313 chose private plans.

Medicaid is fully taxpayer-funded, so this is not going to help the deficit/debt situation at all. That money will have to be borrowed and paid back by taxpayers. Making things worse is the fact that young people are not signing up to purchase the overpriced health insurance plans on Obamacare exchanges.

Excerpt:

As Nick Gillespie and Veronique de Rugy have pointed out for Reason magazine, the concept of today’s older generation as impoverished is simply wrong. In fact, today’s seniors are far wealthier than today’s young adults.

Looking at rates of homeownership, 83% of elderly households own a home. Meanwhile, 36% of millennials are still living under their parents’ roof. Those over 65 years of age have much lower poverty rates than most other demographic groups. Households headed by people 65 or older have 22 times the wealth of households headed by people under 35.

Not only are many young people either unemployed or underemployed, the Consumer Financial Protection Bureau estimates that people under 40 owe 67% of the roughly $1.4 trillion that Americans owe on school loans. That’s on top of an average of several thousand dollars of credit card debt.

ObamaCare forces people who can scarcely afford the extra cost to subsidize care for people who absolutely can afford to pay for their own health services.

In the exchanges, a young person will have to pay an estimated $250 per month for basic insurance. Again, this cost is so high because these premiums are expected to pay for older people’s healthcare costs. These costs now include covering a plethora of expensive drugs, services and procedures thanks to ObamaCare’s requirements for insurance plans.

Buying plans on insurance exchanges costs money, and many young people don’t have any money to spend these days. Young people have not done particularly well at finding jobs lately, especially since they have acquired precious few marketable skills in the public schools. (Most people can’t get a job calling people racist and sexist and homophobic, because there are only so many journalism jobs to go around).

So what Obama has really done is promised lots of goodies to all of his supporters, but there is no one signing on to pay for it. And that’s what I would expect from someone with no marketable degrees or skills who has very very limited experience working in the private sector. Many of the people in the Obama administration just haven’t done anything productive in the private sector, and that lack of experience is now showing. We have elected a government that believes in making policy based on feelings, not facts.

News

Is it time to start thinking of an exit strategy for the quagmire of Obamacare?

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Baghdad Obama says: "No one will lose their health care plan!"
Baghdad Obama says: “No one will lose their health care plan!”

Letitia posted this article from the pro-Obama NBC News.

Excerpt:

Health plans are sending hundreds of thousands of cancellation letters to people who buy their own coverage, frustrating some consumers who want to keep what they have and forcing others to buy more costly policies.

The main reason insurers offer is that the policies fall short of what the Affordable Care Act requires starting Jan. 1. Most are ending policies sold after the law passed in March 2010. At least a few are canceling plans sold to people with pre-existing medical conditions.

[…][T]he cancellation notices, which began arriving in August, have shocked many consumers in light of President Barack Obama’s promise that people could keep their plans if they liked them.

“I don’t feel like I need to change, but I have to,” said Jeff Learned, a television editor in Los Angeles, who must find a new plan for his teenage daughter, who has a health condition that has required multiple surgeries.

An estimated 14 million people purchase their own coverage because they don’t get it through their jobs. Calls to insurers in several states showed that many have sent notices.

Florida Blue, for example, is terminating about 300,000 policies, about 80 percent of its individual policies in the state. Kaiser Permanente in California has sent notices to 160,000 people – about half of its individual business in the state. Insurer Highmark in Pittsburgh is dropping about 20 percent of its individual market customers, while Independence Blue Cross, the major insurer in Philadelphia, is dropping about 45 percent.

[…]Some receiving cancellations say it looks like their costs will go up, despite studies projecting that about half of all enrollees will get income-based subsidies.

Kris Malean, 56, lives outside Seattle, and has a health policy that costs $390 a month with a $2,500 deductible and a $10,000 in potential out-of-pocket costs for such things as doctor visits, drug costs or hospital care.

As a replacement, Regence BlueShield is offering her a plan for $79 more a month with a deductible twice as large as what she pays now, but which limits her potential out-of-pocket costs to $6,250 a year, including the deductible.

“My impression was …there would be a lot more choice, driving some of the rates down,” said Malean, who does not believe she is eligible for a subsidy.

Regence spokeswoman Rachelle Cunningham said the new plans offer consumers broader benefits, which “in many cases translate into higher costs.”

“The arithmetic is inescapable,” said Patrick Johnston, chief executive officer of the California Association of Health Plans. Costs must be spread, so while some consumers will see their premiums drop, others will pay more — “no matter what people in Washington say.”

Health insurance experts say new prices will vary and much depends on where a person lives, their age and the type of policy they decide to buy. Some, including young people and those with skimpy or high-deductible plans, may see an increase. Others, including those with health problems or who buy coverage with higher deductibles than they have now, may see lower premiums.

Blue Shield of California sent roughly 119,000 cancellation notices out in mid-September, about 60 percent of its individual business. About two-thirds of those policyholders will see rate increases in their new policies, said spokesman Steve Shivinsky.

But the media told me that Obamacare was affordable! It’s even called the Affordable Care Act. Would a bunch of doped-up leftists  who dropped math in junior high school mislead me about how health insurance works? Inconceivable!

Polemics

New Oxford University study links non-family day care to anti-social behavior

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From the UK Telegraph. (H/T Dina)

Excerpt:

Academics at Oxford University discovered that exposure to some forms of early education contributed to bad behaviour and could be linked to emotional problems.

The study, based on an analysis of infants from almost 1,000 families, showed that the strongest influence on children came from within the home itself.

Children raised in poor families with high levels of parental stress or mental health problems were most at risk of developing emotional problems by the time they started school, it emerged.

The research also uncovered trends relating to children who were in formal child care — away from their parents.

The disclosure will revive debate over the best way to raise children amid a surge in the number of under-fives enrolled in nurseries and with childminders in the past 20 years. Figures from the Department for Education show that 441,000 children under five are in day nurseries while another 272,000 are being looked after by childminders.

[…]In the Oxford study, researchers recruited 991 families with children aged three months. Mothers had an average age of 30.

Researchers assessed children at the age of four through questionnaires about their behaviour and emotions completed by teachers and parents. They also observed care provided by mothers and observed non-parental care for at least 90 minutes for those children placed in formal childcare settings.

The report, published in the journal Child: Care, Health and Development, said that “children who spent more time in group care, mainly nursery care, were more likely to have behavioural problems, particularly hyperactivity”.

The study, led by Prof Alan Stein, of Oxford’s Department of Child and Adolescent Psychiatry, found that “spending more time in day care centres, over the total period was a predictor of total problem scores”.

“Children who spent more time in day care centres were more likely to be hyperactive,” it said. “Children receiving more care by childminders were more likely to have peer problems.”

The authors added: “The findings in relation to childminding suggest that it might be out of home care rather than group care that raises the risk of behavioural difficulties.”

The researchers also tracked other forms of early years care and found benefits to different approaches.

They found that children who spent more time in pre-school playgroups – normally for a few hours a day, rather than a full-time nursery – had fewer problems.

More time with a nanny in parents’ own home predicted higher levels of “pro-social behaviour”, showing willingness to help others, it emerged.

The study said: “These findings suggest that interventions to enhance children’s emotional and behavioural development might best focus on supporting families and augmenting the quality of care in the home.”

A study like this will be useful when debating people with open minds, but hardcore feminists and socialists, who want women to work in order to fund bigger government, will not be moved. Because for them, it’s not about evidence. It’s about ideology. That’s why we have to be careful about letting people like that get elected.

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