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What Are Ted Cruz's Health Insurance Options -- And What Motivations Are You Projecting on Him?
The Excellence In Broadcasting Network ^ | March 25, 2015 | Rush Limbaugh

Posted on 03/25/2015 12:21:25 PM PDT by 2ndDivisionVet

BEGIN TRANSCRIPT

RUSH: There continues to be some... well, not just curiosity, some confusion as well about Ted Cruz and his decision to sign up for Obamacare. There's another option. There's some options that he has here, and I want to run through these. Now, all of this would have been academic had his wife not quit. Well, she didn't quit. She took an unpaid leave of absence from Goldman Sachs. If she had stayed there while he ran the campaign, this would not even be an issue.

But they made a determination that a campaign is a family endeavor, obviously, and she wants to be there to support him, and she is quite accomplished in her own right as well. So she's just taking an unpaid leave. She's gonna go back there. Well, depending on what happens with his electoral chances here, but she will go back there. Her temporary leave without pay cancels the family health care package, which, at Goldman Sachs, has a value of about $20,000.

That's a pretty good benefit, and it's gone. So what are the options Ted Cruz has? Because I'll tell you the reactions that I'm seeing are running the gamut. Some say that he's been brilliant here in illustrating to people how punitive this law is and how big and deep the long arm of the federal government is. Others say he looks like a hypocrite because he's well known to hate Obamacare.

He has made one of his central campaign promises a total repeal of Obamacare, and yet here he is signing up for it. Not only signing up for it, but he doesn't appear to be doing so begrudgingly. He doesn't appear to be angry about having to do it. He just matter of fact signed up for Obamacare, and he had no choice in this regard. There are three things he could do. Sign up for insurance, not get insurance and pay the fine.

In which case, if the family encountered any health care expenses, the family would have to have enough money to pay for those out of pocket and make the choice to do so. So that's two-pronged. I don't know how much money Cruz has. But let's say he's got enough to handle whatever day-to-day normal health care might come up, maybe even in an emergency or two, but may decide I don't want to spend my money for that so you I'm gonna go get insurance like everybody else does.

'Cause if I don't get insurance, if I protest kind of thing here and just pay the fine, it will be cheaper than insurance. But what if somebody in the family gets sick? I don't live alone here. I have family responsibilities. Of course, the third thing he could do is nothing. It's really not an option. He's a member of United States Senate. Not doing anything doing would not be cool.

That would mean that it would be publicly stating he's doing nothing, and the IRS would not have to find him in an audit. The IRS is the collection agency if you don't have insurance. They're gonna get you for your fine, and the IRS is how they're gonna collect it, and they're gonna collect it from your refund, if you have one. If you don't get a refund, at some point they're gonna figure you will get a refund, and they're gonna take that whenever you get it.

If you never qualify for a refund, they're gonna send you a bill. One way or the other the IRS is gonna get your fine money if you decide not to get insurance. But when you get right down to brass tacks, Obama has given all of us no choice here. Ted Cruz has no choice but to use Obamacare because congressmen are forced into Obamacare. They cannot use a non-Obamacare insurance policy and still get it through their employer.

Their employer is the federal government, and they can't get insurance outside the government and get the employer discount or the premium subsidy. So there really are no other choices. There are no individual insurance plans thanks to Obamacare. Well, that's not true. There are still a few companies selling individual insurance plans, not nearly systems used to before there was Obamacare.

The private sector individual health insurance market is rapidly evaporating, thanks to Obamacare. So there really are no other choices. There are no individual insurance plans anymore, thanks to Obamacare. It's not totally, but there are so few, they're prohibitively expensive because there are so few of them. There's no competition for them. If you go in, if you find a company still selling individual plans just to you, health insurance plans, you're gonna pay through the nose for it.

That's why seven million or more people lost their health insurance, because the private sector provider is drying up. The private individual insurance market is drying up. That is why seven million and probably more people lost their health insurance. So just to review this: Cruz had two choices if he intended to follow the law. Trying to find a private plan -- and most of them have been done away with, or become incredibly expensive because of Obamacare, which makes them out of reach.

If he went that route, he would lose whatever his employer pays toward his premiums. Second thing he could do, get insurance through his employer, which, by law has to be Obamacare because he's a member of the US government. So where's the hypocrisy? The Drive-Bys are trying to say he's a hypocrite here, but he's got no choice. If he's a member of the Senate, in the federal government's the employ, he's got to follow the law. He has to be insured through Obamacare.

All these Democrats who fought the Bush tax cuts, did they refuse to pay less on their income taxes, or did they take the cuts? It's six of one, half dozen or another. Democrats hated Bush's tax cuts, but I'll bet that every one of them took them. How many Democrats do you think did that? They're out there. When Bush announced his two or three series of tax cuts back in 2001-2002, and all these Democrats are disagreeing with him. But how many of them do you think said, "You know what?

"I'm in protest, and I'm gonna pay more taxes than I should. I'm gonna violate the law and I'm gonna get a greater contribution to the government. I'm not gonna take my tax cut." How many you think did that? I'll give you the answer: Zero. They all followed the law, and nobody called 'em hypocrites. They're out there opposed to tax cuts but every damn one of them took the tax cuts. Well, here's Cruz, opposing Obamacare, and promising to repeal it if he ever has the chance.

But the law is the law, and they're calling him a hypocrite. What do they want him to do, break the law? I'm talking about the media and whoever else or his critics, what do they want him to do, make a stand here on this? Is that what some people want him to do. He hates Obamacare. He's supposed to be make a stand; he's supposed to be show leadership. If Obamacare is bad, he should not sign up for it. Is that what some people think he should have done?

The COBRA option, his wife could go to COBRA. COBRA is 18 months, max. I don't think 18 months would get him through the election. It would be tight, might be right up to the election in 2006. But COBRA is not inexpensive. COBRA is not cheap. All COBRA is is a mechanism whereby if you get canned, if your company goes out of business or for whatever reason you lose your insurance, COBRA is the mechanism that's been set up for you to go and keep it.

But there are no cost reductions in it. Now, if Cruz had opted for the fine instead of the insurance, that would be cheaper, but he would not have had insurance. So now we're back to, okay, if the family needs health care, actually needs some treatment, does he have the money to spend it out of pocket if all he does is pay the fine and doesn't have any insurance? If he does have the money -- and I don't know.

If he does have the money, is that how he wants to spend it, or would he rather save it, keep it in a 401(k), whatever he does with his money. I have no idea. His wife probably handles that. She's at Goldman Sachs. I'm sure they've got the money to pay the fine. But if he went out and paid the fine, if he opted not to insure his family, can you imagine what the Drive-Bys would do with that? They would call him a dangerous lunatic, they would call him a monster. So he can't win on this. He can't win.

I have not heard him say -- now, Snerdley, correct me. I have not heard Cruz say that he's doing this under protest. I have not heard him say he'd rather not have to do it. I've not heard him complain about it. I've heard him say, "I gotta follow the law." We read the law, and we follow it. We follow the text of the law. But I've not heard him express regrets that he has to do this. Have you? (interruption) Well, he may have; I just haven't heard it. I think some of his supporters want to see some synchronization here, if you will.

Because, on the one hand, Ted Cruz is identified as somebody who despises it and has vowed to repeal it. And then out of the blue, the next thing people know, he's signing up for it and doesn't appear to be upset about it. So some people say, 'Wait a minute. This is not in sync. He ought to be mad that he has to sign up for it. And when he signs up for it, he ought to turn this into a big issue to his advantage. He ought to make a teachable moment out of this." That's what I hear some people saying.

And some people think he is doing that, but they are inferring it because I don't hear him saying it.

END TRANSCRIPT


TOPICS: Business/Economy; Culture/Society; Government; Politics/Elections; US: Texas
KEYWORDS: 2016election; election2016; healthinsurance; heidicruz; obamacare; rushlimbaugh; tedcruz; texas
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To: sickoflibs

Better do some homework. Articulate but not a true conservative, just better than the other RINOs. Cruz is heads above Perry. To put it colloquially “Perry is all hat and no cattle”.


41 posted on 03/25/2015 1:13:53 PM PDT by Resolute Conservative
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To: Resolute Conservative
RE :”Better do some homework. Articulate but not a true conservative, just better than the other RINOs. Cruz is heads above Perry. To put it colloquially “Perry is all hat and no cattle”.

Perry is a REAL Texan, the place where mens-men ride horses and smoke Winchesters.

Cruz was born in Canada and they are all sissies up there.

We need a real cowboy.

42 posted on 03/25/2015 1:22:07 PM PDT by sickoflibs (King Obama : 'The debate is over. The time for talk is over. Just follow my commands you serfs""')
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To: DungeonMaster

Abraham Lincoln said it.

If we could make Obolacare apply to both houses of congress and their staffs and all gubmint employees it would be repealed before you could say QUICK!


43 posted on 03/25/2015 1:26:42 PM PDT by Tucker39 (Welcome to America! Now speak English; and keep to the right....In driving, in Faith, and politics.)
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To: sickoflibs

Most of the original Texans who fought against Mexico were not from Texas. I do not argue with needing a cowboy. Remember Rick was a democrat not too long ago. He may have switched sides, but he still has a few ideas that are not true conservatism.

Like I said I choose him before all the others except Palin and Cruz.


44 posted on 03/25/2015 1:29:31 PM PDT by Resolute Conservative
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To: 2ndDivisionVet

If he tried to repel it when he was not enrolled, they would call him a hypocrite. Now he has skin in the game.


45 posted on 03/25/2015 1:34:34 PM PDT by justa-hairyape (The user name is sarcastic. Although at times it may not appear that way. Was)
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To: sickoflibs
RE:”How much have you had to drink today?’

I still cant wait to watch Rick Perry kick Ted's butt in a debate.

So in other words, you've had a LOT to drink today...

I like Rick Perry, but there is no way he would outshine Cruz in a debate.

46 posted on 03/25/2015 1:37:14 PM PDT by CA Conservative (Texan by birth, Californian by circumstance)
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To: 2ndDivisionVet
Solidarity!!

...no longer on his wife's "Cadillac" plan.

Follows the law, unlike the resident in the White House.

With wife not working, he gets his family's insurance from his .gov employer.

47 posted on 03/25/2015 1:41:18 PM PDT by TexasCajun
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To: sickoflibs

If you think Perry can out-debate Cruz, you HAVE been drinking.


48 posted on 03/25/2015 1:50:03 PM PDT by Steve_Seattle
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To: sickoflibs

Don’t get me wrong, I like Rick Perry. I just think you are vastly underestimating Cruz’s debating skills. Perry hasn’t argued nine cases before the Supreme Court as Cruz has.
If Perry doesn’t get out of his current legal problems pretty quickly, he may not even be on the stage.
Time will tell. I’m looking forward to the first debate in August.


49 posted on 03/25/2015 1:57:13 PM PDT by conservativejoy (We Can Elect Ted Cruz! Pray Hard, Work Hard, Trust God!)
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To: sickoflibs

Man you are demonstrating how easy it is to troll this place and you were not really trying to troll until it became like a turkey shoot


50 posted on 03/25/2015 2:06:33 PM PDT by BRL
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To: nascarnation

AFAIK federal critters have two plans to choose from.
Either the Cadillac private company insurance plan -or- the Obamacare plan.


51 posted on 03/25/2015 4:41:44 PM PDT by entropy12 (Real function of economists is to make astrologers look respectable.)
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To: sickoflibs

“Perry is master at words.”

You forgot your sarcasm tag.

If you’re not joking - did you even watch the last debates? He had 3 points to make, and could only remember 2 of them!


52 posted on 03/25/2015 4:54:52 PM PDT by Hardens Hollow (Couldn't find Galt's Gulch, so created our own Harden's Hollow to quit paying the fascist beast.)
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To: BRL
RE:”Man you are demonstrating how easy it is to troll this place and you were not really trying to troll until it became like a turkey shoot”

LOL,
I get into these moods sometimes, it gets worse and worse when I start laughing more and more each post,

sometimes dealing with the way-too-serious can be fun.

53 posted on 03/25/2015 10:08:19 PM PDT by sickoflibs (King Obama : 'The debate is over. The time for talk is over. Just follow my commands you serfs""')
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To: Tucker39
Abraham Lincoln said it.

Thanks!

If we could make Obolacare apply to both houses of congress and their staffs and all gubmint employees it would be repealed before you could say QUICK!

Yeah or the unions or the other liberal constituents who have been given waivers until the pain is tolerable. They have known all along how rotten this is and they only afflict their enemies with it at first.

54 posted on 03/26/2015 4:48:12 AM PDT by DungeonMaster (No one can come to me unless the Father who sent Me draws him.)
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To: sickoflibs

Freeper: “ I don’t like your attitude! “

SOL: “ Yeah, I know. Ive had complaints about it......but it keeps getting worse. “


55 posted on 03/27/2015 9:16:39 AM PDT by stephenjohnbanker (My Batting Average( 1,000) (GOPe is that easy to read))
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To: stephenjohnbanker
RE:”Freeper: “ I don’t like your attitude! “
SOL: “ Yeah, I know. Ive had complaints about it......but it keeps getting worse. “

Yep, especially once I start laughing, then I am dangerous :)

56 posted on 03/27/2015 10:03:57 PM PDT by sickoflibs (King Obama : 'The debate is over. The time for talk is over. Just follow my commands you serfs""')
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To: sickoflibs

: )


57 posted on 03/28/2015 8:59:00 AM PDT by stephenjohnbanker (My Batting Average( 1,000) (GOPe is that easy to read))
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To: 2ndDivisionVet
Ted Cruz KNOWS what he's doing.

He's going to PROVE something DIRECTLY not rhetorically.

58 posted on 03/28/2015 9:01:00 AM PDT by VideoDoctor
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