Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Thursday, June 28, 2012

The Obamanation Stands, 'Bitches'

Topher Morrison


Thank the Heritage Foundation and Mitt Romney not Barack Obama and Nancy Pelosi – they merely took the health care handoff.  While you’re at it, thank George W. Bush for wildly expanding Medicare and nominating Chief Justice John Roberts who sided Thursday with the central powers ethos of our ailing Constitution.  Make no mistake the over 2,700 page Patient Protection and Affordable Care Act, known lovingly as Obama Care is an abomination borne of the dysfunctional marriage between Republicans and Democrats.

This is no Car Insurance

The linchpin of the entire health care reform relies on the individual mandate, the brainchild of Stuart M. Butler of the conservative Heritage Foundation.  In 1989 Butler published “Assuring Affordable Health Care for All Americans,” which included a provision to “mandate all households to obtain adequate insurance.”

In 1993 amidst the Hillary Care years Republican senators Orin Hatch and Charles Grassley proposed two bills including the mandate.  In 2006 then Governor of Massachusetts Mitt Romney was “very pleased” with his insurance mandate.

Over the last 20 years the mandate has been often rationalized as similar to requiring motorists to purchase car insurance.  The major difference of course is not everybody drives.

Purchasing, leasing or borrowing a car moreover, involves a choice prior to the requirement of obtaining car insurance and even then the “minimum coverage” is designed to offset others’ costs in the result of an accident, not your own.  You being a bad driver results in higher premiums, confined to you alone, not spread out over a large risk pool.

That being said, none of us were given the choice to live.  Had we been notified we’d be living under the thumb of centralized medical control perhaps some of us would have taken the bus, taxi, a bike – hell maybe we would have ran and saved millions in preventive care by staying in shape.

The Fallacy of Insurance

Like football players who believe a helmet will protect them from harder and harder hits on the field and pursue that behavior until an inevitable concussion or brain damage debunks their faith the idea that insurance will always be there to protect us from our risky lifestyles is self deluding.
Millions of Americans are taking part in a revolution of nutrition and exercise nothing of, which is addressed under Obama Care.  One may argue the impetus for this change was in fact rising health care costs.  It was obvious to many merely pumping ourselves full of drugs at an old age at great cost was pointless and unsavory.

Our medical model is not expensive necessarily because of unscrupulous corporations, although it will be as Obama Care is implemented, but because of the treatment model rather than focusing on prevention.  Our medical establishment performs wonders in the emergency room, in acute care and major surgery, but when it comes to some of the biggest killers it continues to provide little besides pain management and a fund raising bonanza for scientific research.

Real health care is a life long and dutiful process of mitigating the affects of our environment, the modern medical establishment offers next to nothing by way of prevention besides the regular check up.  Traditional medical schools madate little in the way of nutritional, physical education or behavioral modification.

As we detailed in the War on Fact Expands so does Big Government, prexisting conditions are often similarly a part of risky behavior.  Consider the number of women giving birth into their 40s and 50s and beyond is at record levels.  This choice is generally fraught with developmental problems, birth defects and other maladies, which are then thrown into this “preexisting” category.

In recent years it has become more and more accepted that major diseases like multiple schlerosis, diabetes, cancer, etc. are a result of dietary malfeasance.  While susceptibility is most assuredly genetically predetermined actually developing a disease is vastly influenced by lifestyle.  The concept we are victims of our genetic baggage is in many ways a hangover from the years of eugenic theology.

On the individual level the motivation to explore healthful alternatives are sapped when faced with universal coverage.  Similarly on the corporate level, if prevention is no longer a preeminent strategy, more research and development (if it gets approved) will be devoted to invasive and life numbing treatments like chemotherapy, radiation and the cornucopia of pharmaceuticals addicting swaths of the American citizenry.

Who Benefits?  Not Liberals Just Insurance Companies who Wrote the Law

Sensing the prevailing winds it is of course understandable that the insurance companies injected themselves into the debate.  This is what invariably happens when government decides to regulate or wholly remake one sixth of the economy.  The power of central government beckons legions of lobbysists to its steps and the mantra of lobbying if you “can’t beat ‘em, join ‘em” inevitably prevails.
Here are some quotes compiled by Kurt Nimmo writing for Infowars.com:
“This is a very good bill for insurance companies and pharmaceutical companies,” said Rep. Stephen Lynch, a Democrat, in 2010. “The insurers still rule,” Lynch added. “Were just pumping subsidies into the current system, but that won’t drive down costs.”
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In December of 2009, Howard Dean, the former Democratic National Committee Chairman, said the legislation before Congress “is a bigger bailout for the insurance industry than AIG.” Dean characterized it as “an insurance company’s dream.”
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Congressman Dennis Kucinich characterized the bill as “a bailout for insurance companies…Maybe what we’re looking at here is another way that Wall Street’s speculative engine can be fueled, this time with the help of the premiums of tens of millions of Americans,” he said.
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“If a government healthcare plan materializes, it might actually generate more work for insurance companies. A new government program would probably subcontract much of its administrative work to existing insurance companies — which is what Medicare does,” writes Rick Newman for U.S. News & World Report.
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Do insurance companies hate Obamacare as Democrats insist? Not at all. This bill is almost identical to the plan written by AHIP, the insurance company trade association, in 2009. The original Senate Finance Committee bill was authored by a former Wellpoint VP. Since Congress released the first of its health care bills on October 30, 2009, health care stocks have risen 28.35%.
States in a Straight Jacket 

The Medicaid ruling specifically, according to Justice Kennedy’s dissent, puts states in false choice position: “States must choose between expanding Medicaid or paying huge tax sums…for the sole benefit of expanding Medicaid in other states.”  The dissent also foreshadowed more friction between the states and the federal government “usher[ing] in new federalism concerns and places an unaccustomed strain upon the union.”

The union will no doubt be under increasing pressure as many of Obama Care’s provisions have yet to be made manifest.  A growing body of administrative agencies including an army of IRS agents will attend to that.

Most of our laws in this country are created by these agencies, which interpret the mandate provided by congress and detail specific provisions.  The Federal Register for example in a 12-month period, which ended in March of 2006 contained a breathtaking 77,537 pages including laws passed from over 319 independent and executive agencies.

Barack Obama after the passage of Obama Care tentatively created 159 new bureaucratic bodies ostensibly to encourage efficiency and cost effectiveness in the new health care system.  While it most assuredly with fail in this endeavor it will be able to pass laws as most other agencies do with little impunity or oversight as the size of the executive branch and its czars continues to eclipse the elected representatives in Congress and as it will eventually the laws of the several states.

Robert’s Manufactured Opinion and Another Reason to Repeal the Income Tax

Paul D. Clement, representing Florida and 25 other states objecting to the health-care law, argued that Congress exceeded its power in passing the law, which he said compels people to buy a product.  Unfortunately, this argument on whether it was within Congress’s constitutional powers to force citizens to purchase a health insurance product was in essence settled nearly a century ago after the passage of what was originally Social Security “Insurance” under President Franklin Roosevelt.

Similar opposing arguments were lain out then, were rebuffed and under the same “tax” provision as construed under the individual mandate, officially known as the  “minimum coverage” provision.  The main difference is Obama Care wasn’t envisaged to be a tax.  Roberts did not reinterpret, but in fact manufactured a contradictory argument in the face of what Congress called a penalty, not a tax.
The Washington Post reports:
Roberts wrote: ‘The Affordable Care Act is constitutional in part and unconstitutional in part.’ He said the individual mandate ‘cannot be upheld as an exercise of Congress’s power under the commerce clause,’ which allows Congress to regulate interstate commerce but ‘not to order individuals to engage in it.’"
Roberts added: ‘In this case, however, it is reasonable to con­strue what Congress has done as increasing taxes on those who have a certain amount of income, but choose to go without health insurance. Such legislation is within Con­gress’s power to tax.’"
Roberts therein supplied his own basis for upholding the law in absence of a similar rationalization by Congress, or argument by the deputy attorney general and contrary to the President who signed the legislation into law.  According to the Post: “Neither the plaintiffs in the case nor the Obama administration had argued before the court that the individual mandate was a tax.”

Obama himself expressly refuted opponents of Obama Care who claimed that it was in fact a tax.  In an ABC interview Obama emphatically declared: “I absolutely reject that it’s a tax increase.”

The Silver Lining

It may be that Obama Care will be the kick in the pants sovereign states of America need to start ignoring the federal government when it clearly exceeds it constitutional powers.  States where once a part of federal decision-making, via their legislature’s appointed ambassadors, but no longer this may provide the fuel state governments need to enforce there devolved powers.
In the end Mitt Romney may be right when he defended Massachusetts’ health care reform on 10th Amendment grounds.  After all the laboratories of democracy would produce 50 different options for all of us to decide rather than the one size fits all monstrosity about to be imposed on us from Washington.

The Uncomfortable Irony

Mitt Romney today stood up and told us everything we’ve already heard over the past two and a half years: it is time to “repeal and replace.”  Is it not ironic that the man who developed the blueprint for Obama Care, albeit he managed to pass it in some significantly smaller than Obama’s tome, and who was the first to nationalize health care is the only option this country has for repealing it?  For now in the words of DNC executive director @patrickgaspard:
“It’s constitutional. Bitches.”

Friday, September 16, 2011

Free To Die? Yeah!

Topher Morrison
PurpleSerf.com

Tyler Durden, played by Brad Pitt from the movie
Fight Club.  Image Source: FoxMovies.com
"On a long enough timeline the survival rate for everyone drops to zero."
- Tyler Durden, Fight Club

          A few days ago I linked to the bizarre reaction of the CNN/Tea Party Debate crowd to Wolf Blitzer's question of Ron Paul (R-TX), what we should do if a 30-year-old man who chose not to purchase health insurance suddenly found himself in need of six months of intensive care?  Paul's reaction was unremarkably honest as usual, "that is what freedom is all about - taking your own risks."  Blitzer followed up, as if the conclusion wasn't already clear to everyone, "society should just let him die?"  To this, the audience cheered "Yeah!"  (and so Topher Morrison records what thousands of writers have already covered since Monday)

          Words have meaning.  At a certain point when their definitions become obfuscated by emotion and ignorance we cease to be able to use them effectively.   

So·ci·e·ty (noun)

        A community of people living in a particular country or region and having
        shared customs, laws and organizations.

Mr. Blitzer knowingly used the word society to bind our laws (compulsory rules) and by extension our government (agent of compulsion) with both customs and organizations of which do not necessarily have anything to do with law or government.  Furthermore, Mr. Blitzer by utilizing this rhetorical sleight of hand damned both customs and organizations to undue ineptitude without concern or debate!  

          Milliseconds later, the audience after not musing on these facts as audiences invariably do not and in reactionary mob rage, embarrassed themselves in front of God and country.  Essentially the American public heard: "Yeah, society (our customs, laws, and organizations) should not help this man!"  

          To the contrary, Dr. Paul briefly touched on the fact that society, properly defined, engenders thousands of charities, private organizations, foundations, research groups, doctors, friends, families, etc. which may be able to lend a hand, when and if, this situation arises.  The headlines, however, were not about Mr. Blitzer's pillaging of the English language, nor were they about Paul's measured response, but about the Tea Party's naked gaff.   

          Paul Krugman wrote about this today in the New York Times and proffered a new theory (at least to me) about F.A. Hayek, the esteemed economist with veritable super powers within the libertarian and conservative circles Dr. Paul frequents.  Mr. Krugman posited that Hayek "supports" (Krugman's words) a "comprehensive system of social insurance" (Hayek's words) when Hayek merely claimed the "the case for...social insurance is very strong."  Hayek after writting "Road to Serfdom" (from which these quotes were pulled) in an interview with two socialist economists Krueger and Merriam from the University of Chicago, clarified his position on social insurance: "It might well be made optional, which is not in contradiction to its being government assisted, but why it needs to be made compulsory I do not see in the least [my emphasis added]."

          Social Security, Medicare, Medicaid, and Barack Obama's new Affordable Health Care (snore...) Act are all riddled with mandates and obligations, not to mention more pages than anyone would care to read.  To put it kindly, it is at this point government ceases to be a help and begins to be a burden.  Krugman cannot afford to use Hayek in support of the current paradigm on these grounds.  Considering all the directives stemming from Washington and with all the love and largesse our government showers upon us it is amazing the rest of American society continues to feel charity is needed at all.

          In the end Mr. Blitzer's question centered on a 30-year-old man who made the decision not to insure against future travesty, a right he theoretically exercised and if not helped out would undoubtedly pay dearly for.  Yet Paul Krugman like many liberals and progressives tirelessly proffer the red herring: "So would people on the right be willing to let those who are uninsured through no fault of their own die from lack of care?"

          Two things Krugman obviously refuses to understand: insurance is by definition to insure against future calamity; if you are already sick (preexisting condition) you can't possibly expect to get coverage, other options must be sought or created.  Moreover, insurance doesn't necessarily save lives, nor does it lower costs immediately or in the long term and most importantly not one insurance company, hospital or government for that matter promises an endless amount of care and for the obvious reason stated succinctly by Mr. Tyler Durden.

          The reaction by the Tea Party Expressers is why the original Tea Party vied for representative government rather than direct democracy.  We need professional leaders, men and women who can see passed the distortions, understand how to improve liberty and guard against tyranny mild or aggressive.  The most important reasons why we need these sentinels of liberty is to consistently remind Americans, with a cool head, that while life is a right and that government was erected to protect it, our government is not here to perpetuate it.  As far as nature is concerned, we are all star dust; it is up to us to remain human for as long as possible. 

(This article is way longer than I expected, I'm sorry.)