Death Panels and the Progressive War on Menopausal Women

The Congressional Budget Office (CBO) projected that ten years after Obamacare will be fully implemented, more than 30 million Americans will still be without health insurance. Not to worry, there won’t be enough doctors to deliver proper care or much care at all if you do have insurance. And the dreaded Death Panel that Sarah Palin was disparaged over will also be in full operation.

The Independent Panel Advisory Board (IPAB) is Obamacare’s 15-member board of unelected, unaccountable to the public bureaucrats whose function is to make cuts in order to keep Medicare spending within certain parameters. These limits, starting in 2018, will consist of the rate of economic growth per capita plus one percentage point.

Since economic growth has been very sluggish due to a relatively deep recession, and the size of the economy has been shrinking, with higher unemployment and more discouraged workers than actually reported, Medicare spending will likely be lower, denying patients their much needed care. Additionally, Medicare is being stripped of $719 billion over a ten-year period in order to fund Obamacare.

These faceless omnipotent IPAB bureaucrats appointed by the President with the approval of the Senate will have unaccountable reign over your health. If your medical care or tests are denied, nobody will know if it is because there is no effective treatment for your illness or because one of those 15 people have decided that your life is not worth saving.

Ferrara wrote that “Obamacare requires IPAB to produce proposals to slow the growth in national health expenditures and non-federal health care programs. He continued, “This is a clear mandate to reduce both government and private sector health care spending.” If medical spending is limited even in the private sector, that is a deliberate form of health care rationing. http://www.americanthinker.com/articles/2015/01/how_the_obamacare_death_panel_defies_the_constitution.html

Doctors will be overridden in their medical decisions by people with no medical training and patients may or may not get their needed tests or operations. Whether doctors will be at peace or in agreement with violating their Hippocratic Oath remains to be seen.

Many doctors will have been driven out of business by the low reimbursement rates from Medicaid and Medicare, will have retired, or will have switched to a different field entirely. Hospitals will also have been driven out of business by the massive debt amassed from servicing non-paying illegal aliens, impossible Obamacare mandates, and by low reimbursement rates from Medicare/Medicaid. Many private insurers will have been bankrupted by the financial expenditures to satisfy the health services mandates of Obamacare.

How many people will then pursue arduous medical school training, invest in human capital, invest in new developments in health care, new drugs, and new life-saving procedures if the return on investment is so low and medical care becomes severely rationed? As it is, there is a shortage of qualified medical personnel, but an augmented supply of millions of patients who are demanding care. What good is it if you have health insurance but cannot find a doctor who will accept you as a new patient, accept your insurance, or who is qualified to treat you?

Many Americans have been receiving letters informing them that doctors they’ve been using for years are no longer in the Obamacare approved exchanges and they must find new doctors. Other Americans enrolled in exchanges have had their plans switched two to three times due to the failure of the non-profit insurers to stay afloat in the face of an onslaught of claims eating away at their revenues and reserves, even with billions in federal grant money. Twenty-five of the 26 non-profit co-ops operating under Obamacare have registered losses so far.

If you are unable to receive the same timely and quality medical care that Americans have been accustomed to, if you are told that you can no longer buy the medicines or tests you need, receive proper cancer treatment to save your life, or see the doctors you’ve known for years and trusted, it is Obamacare mandates and its faceless agents reshaping how long you can live and what quality of life you are going to have.

As Dr. Donna Hurlock, a Board Certified Gynecologist, said, there is a “Medicare war against menopausal women” with its new “anti-estrogen policy that it’s hurting menopausal women.” This new policy is based on a 2002 National Institutes of Health study, Women’s Health Initiative, that claimed that estrogen replacement therapy (ERT) “poses excessive risks to menopausal women.” https://www.nhlbi.nih.gov/whi/estro_pro.htm

Dr. Hurlock said that eighty years of estrogen use support the opposite conclusion that women on ERT live longer and better functional lives than women that elect not to replace hormones. Post-menopausal women that do replace their hormones “end up consuming fewer medicines than their peers because they don’t develop the many health problems that result from estrogen deficiency, such as sleep problems, high cholesterol, bone loss, memory issues, dizziness, vaginal dryness, etc.” http://fairfaxfreecitizen.com/2015/02/23/medicares-war-against-menopausal-women/?utm_source=Fairfax+Free+Citizen+Digest&utm_campaign=d97702cff7-RSS_EMAIL_CAMPAIGN&utm_medium=email&utm_term=0_69cf25d58d-d97702cff7-201781813

Medicare’s new policy as of January 1, 2015 is to deny payment for ERT and to substitute hormone replacement therapy (HRT) with “alternative” drugs such as anti-depressants, neurologic drugs, bone density drugs, and vaginal estrogen creams. Each of these “alternative” drugs have a long list of side-effects, potentially more dangerous and more expensive than hormone replacement therapy (HRT), decreasing the woman’s quality of life. To make matters worse, any HRT that includes testosterone has now been labeled a controlled substance and pharmacists must handle it accordingly. Such prescriptions expire every six months, necessitating repeat visits to the doctor.

Dr. Hurlock explained that many insurers are no longer “covering” her patients’ payments for HRT because “a group of ‘experts’ has decided that HRT becomes dangerous as soon as a woman celebrates her 65^th birthday, despite the plentiful literature to the contrary.” In her opinion, these experts are “clearly not making recommendations in the best interest of the patients based on the entire HRT literature.”

When the individuals, who wrote, publicized, lied about, voted on, and passed Obamacare as a tax, will be long gone from public life and forgotten, millions of Americans are going to suffer needlessly and potentially experience a shorter lifespan.

Liberals have created a faux “war on women.” There is a war, but it is a “war on your health,” a “war on middle aged women,” and a “war on the elderly,” all having a common denominator, rationing of care in order to reduce Medicare spending and to stretch the same health dollars to millions more, some of whom have broken into our country illegally. It is a war promoted by the progressive agenda that wants to fundamentally transform our country. They have succeeded beyond anybody’s dreams, with little resistance.

Copyright: Ileana Johnson 2015

 

 

Middle Class Fleecing with Obamacare

It is becoming increasingly difficult for Virginians to find doctors and secure appointments in a timely manner thanks to Obamacare. After a fierce battle, the bills meant to create state exchanges and to expand Medicaid have died in the House and in the Senate. However, Democrat Governor McAuliffe added Medicaid expansion to his budget amendment. The House removed that language from the budget.

As millions of Americans, who previously had insurance and doctors they were satisfied with and wanted to keep, are suddenly left without insurance, millions others keep losing their new coverage under the much touted Affordable Care Act.

Many Americans became part-time employees without insurance, forcing them to choose plans under the state exchanges. Employers, who could not afford the mandated procedures of the Affordable Care Act, dropped the insurance coverage plans they had previously offered their employees at affordable rates, and reduced employment hours.  

With the new exchange plans, bronze, silver, gold, and platinum, people cannot afford to see a doctor when their new plans have such huge deductibles. For most people, it is impossible to meet deductibles in a year and they must pay out of pocket. For them, medical care has now become a very expensive service.  

While Obamacare has helped a statistically insignificant percent of Americans, it has devastated the health care of millions who were previously affording their healthcare premiums, had good coverage, low deductibles and co-pays, and their doctors were available within their residential area or a short travel distance.

Suddenly, millions have found themselves paying double or triple premiums, with deductibles going up from $500 to $5,000 and decreased coverage, with the exception of maternity care for all and contraception. There is something seriously wrong when the monthly health care premium becomes larger than mortgage and utilities combined. How fair is it for the bulk of middle-class Americans to pay health care premiums for illegal aliens and welfare recipients while having to let go of their own health insurance because it has skyrocketed? This is not providing health care for 20 percent of previously uninsured Americans; it is socialist redistribution of wealth.

It is laudable to offer insurance to people previously uninsurable, but forcing other working Americans to pay for it and punishing them through IRS fines is wrong and it is a form of stealing. The law has been written by liberals for liberals, to benefit their Democrat voting constituents to the detriment of everyone else. The concept that everyone should be insured is sound but not through Obamacare.

Medical care is not a right, in spite of what liberals claim, it is a service just like any other service you purchase for a nominal fee. Doctors and nurse practitioners must spend years to train in medical school where tuition and books are very expensive.  Nobody wants to work for free and nobody should have the right to decide how much your remuneration should be.

Those who were previously uninsured due to preexisting conditions have a point. However, those who cried that they could not afford the premiums or chose to gamble on good health should look carefully at their priorities. What is the cost of their Internet, cable, Netflix, cell phone bill, cigarettes, beer, wine, movies, drugs, fancy clothes, and restaurant meals/ fast food?

Taking from those who work to pay for those who do not work is government-sanctioned stealing. Economically speaking, for every day that you have to work to pay for someone else, you are a financial slave to that person. The cheap, subsidized Obamacare policy that you receive through the exchanges is paid for by hard-working Americans, not by your Obama government.

U.S. Rep. Bradley Byrne (R-Alabama) said, “We took away the health care system that worked for 80 percent of the people of this country to fix a problem that we today know we fixed for only one percent of the American people. Only 3 million new Americans have gotten on this new health care plan that did not have insurance before, that’s one percent of the American people. So we threw out the health care plan that worked for 80 percent of Americans, to fix a problem for one percent of Americans. And look what it’s done! It’s wrecked lives!” He continued, “This law is fundamentally flawed! This law has victimized the people of America!”

Although there have been 60 attempts to repeal Obamacare, it is here to stay. The Daily Signal wrote about the Nebraska woman whose Obamacare insurance was canceled three times.  Her first cancellation was with Humana who decided to pull out of Nebraska and second and third from the Iowa nonprofit CoOpportunity Health which was liquidated and her platinum plan was no longer offered. She is now covered under a Blue Cross Blue Shield plan.  

The federal government offered $2 billion in loans to nonprofit co-ops created under Obamacare (to meet state reserve requirements) and twenty-three co-ops were formed offering insurance in 26 states. According to the Daily Signal, “more than 520,000 people enrolled in insurance coverage through the co-ops through September.” Their research indicated that all co-ops but one had operating losses, with outlays exceeding reserves. “Claims were eating up all the surplus and reserve [money].” http://dailysignal.com/2015/02/17/one-nebraska-woman-lost-health-insurance-three-times-obamacare/?utm_source=heritagefoundation&utm_medium=email&utm_campaign=morningbell&mkt_tok=3RkMMJWWfF9wsRoiu6vOZKXonjHpfsX56uwlX6W0lMI%2F0ER3fOvrPUfGjI4ES8djI%2BSLDwEYGJlv6SgFQrLBMa1ozrgOWxU%3D

There are more troubling thoughts in this quagmire.  The IRS has our medical records, will collect fines for non-compliance with Obamacare, and is going to demand refunds from those who received too much subsidy under the state exchanges.  But illegal aliens are still covered for free and those with religious objections don’t have to pay a penalty and are given medical care. What a relief!

Copyright: Ileana Johnson 2015

The Big Lie

Puppet Shop window in Florence
Photo: Wikipedia

While the country is busy blaming the measles outbreak at Disneyland on the official story line that it came from “overseas,” and the main stream media is pushing the agenda of vaccination, blaming the outbreak on the statistically insignificant number of Americans who refuse to vaccinate their children, the media is deliberately ignoring the elephant in the room, the illegal aliens bussed and flown in continuously since last year by this administration from countries where measles is endemic because of lack of vaccination and poor or non-existent healthcare.

The media is also gloating over the 5.6% unemployment rate which the Chairman and CEO of Gallup, Jim Clifton, described in his article as “The Big Lie:  5.6% Unemployment.” “The official unemployment rate, which cruelly overlooks the suffering of the long-term and often permanently unemployed as well as the depressingly underemployed, amounts to a Big Lie.” http://www.gallup.com/opinion/chairman/181469/big-lie-unemployment.aspx

While Americans have been told that their refunds may be delayed due to Obamacare penalties and calculations for those who may owe money to the IRS for overpaid subsidies, illegal aliens, as usual, are getting the red carpet treatment with taxpayer dollars. American taxpayers have to file an additional form, 8962, with 12 rows and 6 columns (72 boxes), to compute subsidies for each month of 2014.

“Consumers may be subject to tax penalties for any month in which they had neither insurance coverage nor an exemption.”

Do not expect speedy service or prompt answers from the IRS as they are busy with other issues. Thirty types of exemptions from penalty have been set up by the federal government, including for those in states that did not expand Medicaid, religious beliefs, or premiums higher than 8% of household income. Documentation must be provided to the IRS for such hardships.

Illegal aliens, who were working under the radar of the IRS were encouraged to pay taxes via the Individual Taxpayer Identification Number (ITIN). Many illegals took advantage of this loophole and claimed numerous children in the country and outside of the country under the Earned Income Tax Credit (EITC) to the tune of $4.2 billion in 2010.  

According to Washington Times, “IRS Commissioner John Koskinen confirmed Tuesday that illegal immigrants granted amnesty from deportation under President Obama’s new policies would be able to get extra funds from the IRS for money they earned while working illegally, as long as they filed returns during those years.“ http://www.washingtontimes.com/news/2015/feb/3/irs-offers-extra-tax-refunds-to-illegal-immigrants/#ixzz3QnJt4B1q

The new amnestied illegals, will receive official Social Security numbers, enabling them to file retroactively three years for Earned Income Tax Credit (EITC), “potentially claiming billions of dollars in additional payments they were ineligible for before the amnesty.” The Earned Income Tax Credit was established in 1975 for American citizens whose income fell below the federal poverty line.

Likely 4 million illegal immigrants are going to receive this administration’s “deferred action” or “deportation stay,” and thus work permits. Supporters of ITINs and EITCs say that it would be “unfair” to withhold billions from children who are likely U.S. citizens anyway because they became “anchor babies” when their illegal moms gave birth in this country.

In the meantime, while you lost your doctor, your premiums skyrocketed, the deductibles went through the roof, co-pays were larger than ever, your medical care took a dive, had to see a nurse practitioner, and you had to drop your good health insurance and accept substandard insurance on the Obamacare exchanges, the illegal aliens are receiving income tax refunds and free medical care, while you are trying to find three jobs to replace the one full-time job you lost because of the Affordable Care Act mandates. But, on the bright side, if you are a man, you now have free contraceptives.

 

Taxes, Taxes, Everywhere

The only guarantees in life are death and taxes. Death follows life and taxes follow you everywhere like an incurable disease.

Nobody woke up one day and said, let’s tax the heck out of people for their bad behavior, for existing, for traveling on roads, for smoking, for drinking, for trash disposal, for luxury goods, for pollution, for phone use, radio, TV, Internet, for buying goods and services, property, hunting, fishing, building, learning, farming, and other purposes.

Taxes were added slowly over centuries for the “common good,” to redistribute wealth, to subsidize politicians and their parties, for “climate change” and for not buying health insurance. It was a slow, one paper cut at a time until the tax-paying and hard-working citizens bled to death from the burden of taxation.

Taxation has become a very lucrative bottomless funding industry, easy revenue for the ever-spending politicians who keep squandering or giving away taxpayer dollars often to the enemy.

Taxes are so ancient, they are even mentioned in the Bible. Tax collectors during the time of Jesus could stop a person and tax them for what they were carrying.

Matthew 22: 15-22 talks about Caesar’s imperial tax levied on non-Roman citizens:

¹⁵ Then the Pharisees went out and laid plans to trap him in his words. ¹⁶ They sent their disciples to him along with the Herodians. “Teacher,” they said, “we know that you are a man of integrity and that you teach the way of God in accordance with the truth. You aren’t swayed by others, because you pay no attention to who they are. ¹⁷ Tell us then, what is your opinion? Is it right to pay the imperial tax to Caesar or not?”

¹⁸ But Jesus, knowing their evil intent, said, “You hypocrites, why are you trying to trap me? ¹⁹ Show me the coin used for paying the tax.” They brought him a denarius, ²⁰ and he asked them, “Whose image is this? And whose inscription?”

²¹ “Caesar’s,” they replied.

Then he said to them, “So give back to Caesar what is Caesar’s, and to God what is God’s.”

²² When they heard this, they were amazed. So they left him and went away.

https://www.biblegateway.com/passage/?search=Matthew+22:15-22

Ancient Egypt used scribes to tax cooking oil. The annual flooding cycle of the river Nile prompted the taxation of people based on the flood level; those whose land was never flooded paid lower taxes. Egyptians whose land was flooded annually paid the highest taxes.

Ancient Greece taxed its citizens during times of war and rescinded the tax once the war was over. How unheard of to rescind taxes, they certainly would not do it today! Foreigners had to pay a poll tax called metoikion for not having an Athenian Mother and Father.

The Romans were tax happy. They paid customs duties called portoria. An inheritance tax paid for the military retirement. The corrupt Roman tax collectors in the British Isles led to Queen Boadicea’s revolt in 60 A.D. with her army of 230,000 which killed 80,000 people before Emperor Nero crushed it.

Cato convinced the Senate in 181 B.C. to pass laws imposing high taxes on foreign goods such as carriages, perfume, silk clothing, and highly educated slaves.

Cemeteries were exempt from property taxes in Roman times, so the poet Virgil came up with an ingenious idea to avoid paying taxes on his home. He buried a fly in his yard with pomp and circumstance, speeches and food, in order to exempt his villa as a cemetery. We are not sure if his loophole worked.

Emperor Vespasian placed a tax on urine collected from public toilets. Those needing urine to launder (whiten) wool paid a tax when they bought it.

When Judea became a Roman protectorate following its conquest by Pompey in 63 B.C., the Jews had complete religious freedom as long as they made a daily contribution to the Roman emperor’s coffers. They were exempted from military service and were allowed to run their own businesses.

Assyria (mât Aššur) was the ancient empire located in the northeastern part of modern Iraq, on the east bank of the Tigris River. The Assyrians treated their neighbors so badly during their pillaging raids that the chieftains decided to pay tribute and swear allegiance to the Assyrian king in order to avoid the hordes descending on them from the desert. The system of taxation in the name of their god Ashur was so efficient that it supplied the empire with money and men.

The Chimu Empire which existed in northern Peru between the 13^th and 15^th centuries did not have a system of coinage. As master weavers, they used textile as payment for taxes and tribute.

The Incas used an elaborate system of one foot cords with other colored strings attached called quipu, “knot,” with which they were able to record “the tributes received from conquered tribes and taxes owed to the king by his subjects.” Those who kept up with the quipu were called quipucamayocs and were exempt from taxation and other duties.

The Anglo-Saxon Lady Godiva rode naked through the streets of town to persuade her husband Leofric, Earl of Mercia, to reduce taxes on the residents of Coventry in the 11^th century England.

Poll taxes were levied in 1377-1380 by the Regency of Richard II in order to pay for the French war. The taxes were extremely painful to the poor since both rich and poor had to pay the same rate. In late spring 1381 a crowd of 20,000 peasants and laborers rebelled outside London against the aristocrats whom they blamed for the high taxes they had to pay in order to support the failed war with France.

Armed with axes, bows and arrows, the rebels refused to pay taxes and marched through town and burned buildings owned by aristocrats, destroying legal documents that implicated those who did not pay their taxes.

Excise taxes on goods such as meat, grain, tobacco, wine, lamp oil, silks, spices, and even luxuries were quite burdensome across the centuries.

In Cordoba, the capital of the Muslim Andalucía, the non-Muslim citizens had to pay a poll tax based on income and could be paid in installments. The source of revenue to Andalucía was so large, the Moors discouraged conversion to Islam.

The colonists paid import duties on sugar, wine, and molasses under the Molasses Act. The Stamp Act collected taxes from colonists on newspapers and commercial and legal documents.

There were English taxes on soap, a property tax based on the number of windows, on the number of bricks, scutage (opt out of war duties), candles, wig powder, salt, perfumes, printed wallpaper, TV (black v. color, even blind people must pay), a property tax based on exterior appearance (Italy), a tax on freedom (Rome), beards (Russia), furs, cooked v. raw food, stolen property, and many other strange taxes in various American states. http://www.efile.com/unusual-strange-funny-taxes-throughout-the-world-and-history/

Some taxes are necessary for the running of a large empire but others are burdensome and unnecessary, often necessitating a licensed accountant to understand the ever-intricate code. The IRS code, famous for its complexity, comes to mind.

It will be interesting to see how much revenue will be generated from the Obamacare insurance non-compliance tax/penalty. A lot of health exchange beneficiaries who receive subsidies will be apoplectically surprised when the subsidy or part of it will be taxed.

 

 

 

Butler on Business, 10-30-13 Sebelius Testifying on Exchange Website, Food Rationing

Sebelius testifying on 10-30-13 on exchanges website, food rationing. I come on at the 43 minute mark.
http://host1.cyberears.com//22393.mp3

The Affordable Care Act Nobody Can Afford

I was just handed the Phreesia computer tablet by the receptionist under the guise of updating my medical and insurance information. I had seen this orange notebook in another doctor’s office and I became suspicious. Is this really meant to verify, as the website claims, my insurance eligibility automatically and help doctors collect on their insurance while easing the load of paperwork? Or is it forced electronic data compliance to Obamacare?

As soon as I started reading each screen, I realized that it was asking me to consent to third parties to obtain my medication prescription history from my pharmacy and to my entire medical history.

I had the right to request and restrict as to how my protected health information was used or disclosed. However, when I declined to sign, the computer stopped, and prompted me to talk to the receptionist. She informed me that diagnosis and/or treatment “may be conditioned upon my consent.”

The electronic screen and the paper copy the receptionist gave me said, “The [name withheld] is not required to agree to the restrictions that I may request and may refuse treatment based on my restriction as permitted by Section 164.506 of the Code of Federal Regulations.”

Suddenly, because I refused the IRS and HHS meddling in my personal health affairs, I had become persona-non-grata (unwanted person) to my doctor who had sworn a Hippocratic Oath to care for me and any patient who comes across his/her path.

In other words, I would not be treated if I did not sign yes. I had the right to say no, don’t’ give my medical information and history to anyone else but the doctor is not required to honor my request and may refuse treatment to me as permitted by Section 164.506 of the Code of Federal Regulations. http://www.gpo.gov/fdsys/pkg/CFR-2011-title45-vol1/pdf/CFR-2011-title45-vol1-sec164-506.pdf

What if I said no, do not release my medical history to a third unapproved party and I paid cash? The doctor would not see me. Welcome to the destruction of our stellar healthcare and patient/doctor confidentiality, compliments of Obamacare.

How affordable is this Obamacare, the unfortunately named, the Affordable Care Act? The Democrats and the President said that costs would be so much lower; it would save the typical family $2,500 per year.

The cheapest category of Obamacare is the Bronze Plan which costs $20,000 per year for a family of two adults and three children and it pays only 60% of medical costs after the deductibles for the year have been met. And the deductibles are high per person and per family. The following tiers are Silver (70%), Gold (80%), and Platinum (90%).

During my 30 year teaching career, I seldom had to pay more than $3,600 a year premium for private insurance for my family. Even a retirement private plan did not cost more than $8,000 per year with 80% reimbursement as opposed to only 60% reimbursement under the Obamacare Bronze Plan. Is Obamacare really affordable? The answer is a resounding no.

According to the IRS, the penalty for not buying insurance is capped for now at either the annual Bronze premium, 2.5% of taxable income, or $2,085 per family in 2016.

President Obama said, “If you are one of the more than 250 million Americans who already have health insurance, you will keep your insurance.” Heritage’s Amy Payne estimated that “more than 11 million people will no longer have their employer-sponsored health coverage once Obamacare is fully implemented.” (Businesses Cutting Hours, Bracing for Costs of Obamcare, December 6, 2012)

Obamacare employer mandate is killing jobs. An employer with 50 employees must provide coverage or pay $2,000 penalty for each employee after the first 30 workers. It is easy to see how an employer would have to cut back employees to 30, replacing full-time employees with part-time ones, in order to avoid the penalty or the skyrocketing premiums for private coverage.  These private insurance premiums rose significantly because Obamacare mandates insurance for all children up to 26 years old and for those insured with pre-existing conditions whose treatment can be costly.

Breitbart News reported that Pennsylvania Community College of Allegheny County had already cut the hours of 400 adjunct professors, staff, and part-time teachers, saving $6 million in potential Obamacare fees. (Wynton Hall, Obamacare Layoffs, Hiring Freezes Begin, January 5, 2013)

Because of the Obamacare medical device 2.3 percent excise tax, Stryker medical supply cut 1,170 employees (5%). Boston Scientific, Welch Allyn, Medtronic, Kinetic Concepts, and Smith & Nephew are also contemplating cuts in their work force. Zimmer Holdings, makers of hip replacement implants, laid off 450 workers in expectation of a $60 million tax bill in 2013. (Bob Unruh, Democrats in Congress ‘want out’ of Obamacare)

Everybody’s private insurance has been disrupted and private premiums have escalated, in addition to adding the “Cadillac tax” to plans that are judged too generous. According to Jonathan Gruber of MIT and the actuarial firm Milliman, non-group premiums rose 19-30% in some states and 55-85% in others.

The federal government has built a data hub to be used only for Obamacare without saying how it will be run. The HHS has released 13,000 pages of regulations with only 30 days for public comment while attempting to re-engineer 17% of the economy. (WSJ, It’s a Mad, Mad, Mad Obamacare, December 13, 2012)

On the deadline of December 14, 2012 states had to declare health insurance exchanges. At that time, only six states (Colorado, Massachusetts, Maryland, Oregon, and Washington) received conditional approval from the Department of Health and Human Services (HHS) to operate their own exchanges. Twenty-six states stated that they will not set up exchanges.

If a state operates its own exchange, it must come up in 2015 with its own source of revenue to run the exchange, making a state a vendor to HHS. The state running an exchange must also expand Medicaid to “able-bodied, low-income, childless adults” in spite of the fact that the Supreme Court ruled the Medicaid expansion voluntary. The federal government was not planning on covering the full cost of such Medicaid expansion. “Half of the reduction in the number of uninsured promised under Obamacare was based on mandating that states expand Medicaid.” (Heritage’s Morning Bell, December 13, 2012)

Several states asked Sibelius, the HHS Secretary, if they could expand Medicaid less. The answer was that only full compliance with the law will garner 90% reimbursement from the federal government. Nine states have refused to expand Medicaid to cover new populations. The feds will set up their own exchanges in those states but final regulations and specifics for the federal exchanges are not made public yet. Oklahoma and Maine have sued over Medicaid expansion and over statutory language and Medicaid expansion, respectively.

Three deadline extensions of implementing health exchanges have passed. Most states will share responsibilities with the federal government or default to a federal-run exchange. Only a minority of states have agreed to run their own exchanges.

A 3.5 percent administrative fee on coverage sold through federally-run exchanges will be levied. An additional $63 fee per employee must be paid in federal fees to cover people with pre-existing conditions.

Government funds will be set aside to promote/advertise [on primetime] Obamacare. Critics of the unaffordable health care law call such advertising “political advocacy.”

Practicing medicine will become more and less a government-run monopoly instead of the current monopolistic competition where patients are free to choose what doctors they go to, based on preference, doctor qualifications, specialty, reputation, insurance types, and premiums they choose to pay.

Doctors will either merge with hospitals, insurance companies, and specialty management firms or become “concierge” doctors, serving a reduced number of patients for a set fee. Consolidation will have a negative effect on patient access, price, and competition. Mergers in the 1980s and 1990s had negative effects in terms of patients being restricted or blocked from access to specialists and procedures.

More than $719 billion will be taken from Medicare over the next ten years to pay for Obamacare. According to Rep. Wally Herger, Chairman of the House Ways and Means Subcommittee on Health, the Independent Payment Advisory Board established by Obamacare is authorized to unilaterally impose price controls and de facto rationing of medical care.

http://www.washingtontimes.com/news/2012/dec/11/medicare-reform-crucial-for-economic-health/

Medicare is already in trouble. Taking $719 billion over ten years from Medicare to fund Obamcare will exacerbate financial problems. Medicare benefits are not a return on taxes paid into the system over time because Medicare is run as “pay as you go” - today’s wage earners pay taxes to fund benefits for today’s retirees. Since people live longer, “Medicare payroll taxes cover only 38 percent of current benefits.” (Rep. Wally Herger)

Obamacare depends on bringing young, healthy people into insurance markets to help offset the costs of insuring the old and the sick. If young people do not participate in the program and elect to pay the fine instead, Obamacare will not be able to make coverage affordable for the uninsured.

Most young Americans do not have insurance. Young people who do have insurance purchase less coverage. Under Obamcare, young Americans must get more coverage and pay more whether they want the added coverage or not. Private insurers have increased their premiums because the law prohibits them from rejecting the sick, and are no longer allowed to charge higher premiums to older customers. Premiums for a young, healthy male could go up as much as three times. Young adults could then opt out of private coverage, causing the market to implode. (Washington Post, Insurers Warn of Health Law ‘Rate Shock,’ N.C. Aizenman, February 16, 2013)

To make matters worse, government officials announced on February 15, 2013 that state-based “high-risk pools” under Obamacare will be closed to new applicants on February 16 through March 2, depending on the state, because funding is running low. The existing 100,000 enrollees will not be affected. If the funding is running low now, what will happen by the time Obamacare is fully in force?

There is a glitch in Obamacare that could leave more than 500,000 children uninsured. Congress defined “affordable” in the Affordable Care Act as coverage not exceeding 9.5 % of family income. If people have coverage that fall under this 9.5% affordable, they cannot get subsidies to go into new insurance markets. This restriction was put into place to prevent people from switching from employer coverage to exchanges in droves. “Affordable” was calculated based on self-only, individual worker, with an average market cost of $5,600. But the current market family coverage, according to the Kaiser Family Foundation, is $15,700 per year. IRS announced on January 30, 2013, that employers are not required to pay for dependents, leaving the employee to pay the family premium since he/she will be locked out of subsidies in the federal exchanges.

Betsey McCaughey wrote that Congressional Budget Office (CBO) prediction that Obamacare would leave only 30 million people uninsured in 2016 was predicated on the assumption that kids would be covered by employees. If a parent is covered at work, no subsidies will be provided for the child in the health exchange.

Millions of people will remain uninsured because their states are choosing [wisely] not to expand Medicaid. The states do not have the money to expand Medicaid.

By the time the uninsured will be counted, almost as many Americans (40 million plus) will be left without insurance as the number of uninsured before the Democrats passed their signature monstrosity, the Affordable Care Act. Having sat in a drawer for decades, the bill was dusted off, repackaged, and polished. Nobody took the time to publicly debate or read the bill that passed after some arm-twisting.  The Democrats, who had promised free health care for all, feverishly proceeded to spend trillions of dollars we did not have to re-engineer our health care system in the name of social justice.

The states that refuse to set up health exchanges are expected to sell the government-mandated plans and to give out taxpayer-funded subsidies to those who enroll. Betsey McCaughey identifies the glitch:

“The law says that in states that refuse, the federal government can set up an exchange. But the law empowers only state exchanges, not federal ones, to hand out subsidies. The Obama administration says it will disregard the law and offer subsidies in all 50 states anyway, but the case will likely go to the Supreme Court.” http://www.nypost.com/p/news/opinion/opedcolumnists/wheels_coming_off_QPojjZX0Bd8BU80hDpcKZP

To safeguard from disaster, take care of your body, eat right, exercise if you can, and pray very hard that you will not get sick. There is a good chance that there will not be enough highly qualified doctors to deliver care when needed even if you do have insurance. Should you need specialists, expensive drugs or surgery, you are out of luck. Rationing will tell you, “no, you can’t have it.” The emergency rooms will be filled to capacity with confused, desperate, sick people, and new illegal alien arrivals.