“The Sunday Morning Bray”, by Bray!
...and whoever wishes to be first among you shall be slave to all. Mark 10:44
Just like the Tea Party warned three years ago, Obamacare is a disaster for America. Of course that means it is a dream come true for the Marxists. It is their stated goal to destroy anything and everything which are foundations of the US economy. They have to eliminate the insurance marketplace so they can bring a more invasive and all controlling nationalized healthcare system. This has been their lifelong dream to have the gummit control the healthcare system in the name of fairness. The one problem with fairness is who decides what is fair.
Once again we see the failures and shortcomings of the state and federal bureaucracies such as Health and Human Services and the Senate. They are still trying to paint lipstick on this giant pig with a mop, but they are having a hard time hiding the truth from the internet and talk radio. Of course PravdABC is playing along with their messiah, but this turd is swirling. The latest reports is they have no idea how many have signed up and not the foggiest clue how much if anything has been paid into this Frankenstein. Imagine an insurance company which has no accounting of premiums paid, who is a customer, let alone claims expensed and you have Obamafare?
In addition to likely having no paying customers into Obamacare (racist alert) the President has now decreed another set aside for another favored group as well as another grace period to get signed up. How can you even call something a law which has no guidelines or limitations and is changed every other day? How can you call something a law that has no set rules? We have someone in rewriting Americans’ basic financial protection that doesn’t have the slightest clue how insurance works.
We are hearing stories of people who have serious illnesses about to lose their coverage and treatments in the next couple of months. There are people getting treatments which cost tens of thousands of dollars who are about to become uninsurable. These people had good insurance through their employers or self insured with manageable plans and deductibles which covered them just fine and are about to be kicked out into the cold. They are either going to have their deductibles raised by thousands of dollars or are going to lose it completely. Marxists have no idea the damage they cause chasing their communist dreams or care in the slightest that those dreams are real people’s nightmares.
The insurance industry began over a thousand years ago and in America it started when the country was formed. Benjamin Franklin began one of the first insurance companies in Boston with a fire insurance provider which did very well. The idea of insurance is to group thousands or millions of people together to share the risk so one person does not carry the entire loss.
Insurance companies also have a reinsurance component which spreads the risk among the entire industry so one company does not take too big a hit and not cover their losses. On top of that, all of the insurance companies purchase a risk policy from Lloyds of London which is the largest insurance company in the world which spreads the risk worldwide. Unfortunately the only risk the insurance industry is not positioned to absorb is the risk of an overaggressive Democrat Party passing laws to destroy them. It is the only thing big and powerful enough that they cannot re-insure against.
Over the centuries these companies were able to come up with formulas which would allow them to charge as little as they could while spreading the risk, yet have enough in reserve to pay the potential claims. This is a free market solution to a potential devastating catastrophe as these companies covered everything from cars to oil tankers. They use the same formulas and statistics to predict the amount of claims they will have in the upcoming year and charge the appropriate premiums. These formulas have been written and rewritten over the decades as they fine tuned their products year after year making their formulas more and more accurate as well as their processing more and more efficient. Neither of these forces existed or were considered by Obama, Pelosi or Reid.
Egomaniacal politicians like Obozo and Nazi Pelosi are never going to consider they could never build a system as efficient or work as well as a capitalistic system and never will admit it as the evidence is blowing back in their faces. After all they took college courses from Marxist professors who taught that communism worked better than free market capitalism and they are smarter than evil capitalists.
So now we have their boondoggle recorded as a law and we are losing all of our basic freedoms because of it. They are trying to fix it when it is an atomic bomb about to go off inside every American’s fiscal budget as well as the federal budget in DC. There is no way to fix it since its sole purpose was to destroy the insurance companies and replace them with the IRS. The only chance of fixing it is to repeal it and let the companies survive to restart and absorb the uninsurable in some sort of risk plan. Obama has made a huge disaster that is going to take years to fix, but the only first step to avoid a Nationalized plan is to repeal it completely and have the feds and states take their hands off. The markets can fix this problem if they were given a chance which scares the Dems more than anything.
The Tea Party and Sarah Palin were exactly right when they said this plan was going to enslave people and there will be Death Panels to decide who lives or dies. We are seeing people starting to question whether they will be having treatments approved and doctors limiting their practices now. We are seeing churches being forced to cover abortions in spite of their religious rights. We will see it get more severe as the insurance companies collapse and have everything turned over to the gummit to decide who gets treated. After that every American will become a slave hoping they or their families are treated by the IRS or have to prepare for the alternative. Nationalized healthcare is one reason Stalin rounded up the poor and shipped them to be starved in the Gulags; it was cheaper than treating them. Wonder what cost saving programs Obama, Pelosi and Reid have for us?
Pray America wakes up
Note: The above opinion is not necessarily my own, but FReeper Bray’s. If you wish to discuss this, please ping Bray.
Good article this morning, bray. 0bamaCare cannot be fixed. 0bamaCare cannot be adjusted. It must be repealed in its entirety.
Healthcare was never about healthcare. It’s always been about money and power. In this case, Democrats controlling the economy and enslaving citizens to keep that power in the hands of government.
I've been 'splainin the precarious health insurance situation for years before King O took the throne: Imagine the cost of automobile insurance if every oil change, tune-up and new tires were "covered services."
Third party insurance should be a risk pool of funds reserved for catastrophic health events, rather than every pill, sniffle, aching muscle or annual check-up.
The healthcare insurance industry evolved into obstructing the actual costs for medical services from the public marketplace. Too many years ago, I lost count the number of times I heard, "I don't care what it costs, I have insurance."
Put healthcare decisions back where they belong--between doctor and patient and patient's wallet--and the market will absolutely respond with reduced charges for medications, diagnostic studies and office visits. Has anyone noticed what happened to out-of-pocket charges for annual screening mammograms once they were declared not medically necessary? The price dropped by 50% in this area.
Medical savings accounts should be started when young people join the labor force. Medical savings accounts should be heralded as the primary insurance for healthcare. MSA should be pre-tax dollars, no maximum annual limit, with annual rollover. Only when the finances are back in your pocket, will you make informed and sound healthcare decisions, rather than left to an anonymous insurance adjuster who will lord over which tests and treatments you may or may not receive.
Finally, the Disability Industry needs to be crushed. Attorneys today specialize in getting people declared permanently disabled. These people are sucking the Social Security and Medicare funds dry. You would be appalled by the number of twenty-, thirty-, and forty-something year olds who have won the disability lottery jackpot.
Obamacare was intially sold as a plan to help cover the 30 or 40 million uninsured.
Supposedly, only some 3 million or so previously uninsured have enrolled, making the intent a massive failure.
Considering the $millions and $millions of dollars that have been wasted on websites and plan initiations and policy delays, Congress would have saved money by just appropriating money to pay for pre-Obamacare catastrophic policies and given them to the uninsured, and we would still have our healthcare systems and insurnaces.
Ah, but the original ‘intent’ was never the real ‘intent’ of Obamacare. It was an outright lie by the administration and every Congressperson who voted for it.