If It’s So Good…

To listen to Nancy Pelosi tell it, she basically created the world in six days when she and Harry Reid passed Obamacare and foisted it on a nation ready to lynch her for it. She is always railing about how it is such a mistake to repeal the debt-laden, over-blown, piece of crap bill that most of America has never caught on to. She says she’s ready to work with Republicans to “fix it” anytime, anywhere. What that means is, she’s ready to try and save as much of it as she possibly can. And there are a couple of good parts to Obamacare. But just a couple of good parts. 99.9% of it is garbage that needs to be trashed.

 

And apparently, I’m not the only one that feels that way.

 

About 90% of Republicans and 80% of independents think that Obamacare should be repealed (NOT repealed and replaced). What is surprising is that a new poll by Gallup (not your typical conservative pollster…these guys are as liberal as they come!), shows that 57% of Democrats also feel that Obamacare should be repealed. So some six years after the country was sold a bill of goods on this idiocy, somewhere in the neighborhood of 75% of us don’t think it’s worth the cost, and should scrap it.

 

Geesh, and I was losing faith in America! About the only part that should be kept is doing away with the “pre-existing conditions” clause that was such a bane to a lot of people. The rest of it isn’t worth the paper it’s written on (or the millions of trees it killed to write it!).

 

Now, the GOP says they have almost got the Conservative Freedom Caucus or whatever they are calling themselves this week on board with a new plan. The reason these guys didn’t vote for it the first time around was because it didn’t really “repeal” Obamacare…it tweaked it. And what the Freedom Caucus guys and ladies wanted was to do away with it. They didn’t buy Paul Ryan’s, “We gotta do this in three stages”. Neither did I. You need to dump it.

 

Now, on the other side of the fence will be the people that scream, “But I’m going to be paying too much if you repeal it!”, and they may be right. But the one thing I’ve learned in my current position is that when you make a law or a rule, you don’t do it for an individual…you do it for the good of the entirety. Yes, it will be unfair for some. That’s just the way it is. You are always going to be unfair to some people when you pass a law, and I deal with just that situation every single day. But it’s what’s good for the whole that matters, and in this case, the whole…including Democrats…want this thing repealed. The sooner the better. Blowing it up and going back to the way we were is MUCH better than what we’ve got. Will some people lose insurance? Yup. Will some people pay more than they do under Obamacare? Yup. But will the MAJORITY be better off? Will the COUNTRY be better off? Of course, because the country cannot afford this monstrosity. It’s a white elephant that needs to be taken out back and put out of its misery. And the GOP needs to be the ones to do it. Let’s just hope they don’t use a cap pistol to do the job!

 

Carry on world…you’re dismissed!

Ya Gotta Give Em Time!

Donald Trump has been in office just over a month. That means in about 30-some-odd-days, a lot has been done to untangle the pile of feces that was left by the previous administration. But we, as Americans, seem to lose sight that the good things in life, sometimes, take time. Let’s not forget that when the Democrats were fighting amongst themselves eight years ago to actually pass Obamacare, they took about 11 months to do it. It wasn’t done overnight, and it wasn’t done without some horrendous deal making (Remember the Ben Nelson’s infamous deal selling out his vote for some special treatment for Nebraska?).

So why is some right-wing media jumping all over the leadership in their efforts to “repeal and replace” Obamacare? Give them time. If by the fourth quarter they haven’t come up with them, I say, lower the guns and take aim, but ya gotta give ‘em time. Better to do it right than to do it fast…and I’m a guy that is month four of COBRA, hoping that I don’t have to do anything with Obamacare!

Let’s be honest here. Obamacare for the most part sucks. It did one, maybe two things right. The one thing it did right was correct the “pre-existing condition” clause that saved insurance companies millions. The other thing a lot of folks say it did was protect those 25 year olds living at home in their parent’s basement. That’s because they weren’t able to find a job because Obamacare impacted every business with 30 or more full-time employees. No one without a job could find work, so they HAD to live in their parent’s basement.

Other than that this bill was a nightmare from the word go. It gave insurance to the indigent, but it never gave healthcare access to them. It made being poor a second class citizenship because of the fact the only people that went to the exchanges were the poor, the sick, and the indigent. No one of means went to healthcare.gov. No one wanted to because it was such a bad joke. And it took time to get this bill through congress, and only passed by one vote.

So, we need to give the GOP some time to work this thing through. There’s a lot on their plate this year with tax reform (another item that can easily be screwed up), Obamacare repeal, and immigration reform. That would be a lot for any congress to tackle in one session, much less one year. Let’s do it right, and get rid of Obamacare entirely. Not just fix a part here or there. That does nothing to fix the escalating costs every American is feeling. You’ve got to make it affordable by allowing us to buy insurance across state lines, increasing competition, and you’ve got to be able to help those that can’t afford it. But you can’t make it as monstrous of a bill with no real benefits, like Obamacare.

The Republicans in congress need to learn one thing. Insurance is useless unless it actually covers something. Democrats never learned that.

Carry on world…you’re dismissed!

Congress Needs To Address REAL Issue With Obamacare!

Obamacare was really nothing more than a Democrat attempt to take over one-sixth of the United States’ economy in a power grab. There. That’s it. I’ve said it. They wanted to make every single American dependent on government, so they could hold that over their heads at election time. That’s what Democrats do (and no…this isn’t a commercial for GEICO). But Democrats screwed up in the entire premise when they wrote the bill. They focused on insurance, when what they told the American people they were doing was providing healthcare. These are two entirely separate things!

This is what the Republicans need to figure out going forward. Insurance is not healthcare. Insurance provides the means to assist in paying for the healthcare. It does nothing to provide access, as millions of Americans have found out in Obamacare. If the GOP-led congress doesn’t understand this when they write the new law, whatever it ends up being, it will fail as badly as Obamacare failed.

How many stories have we all read about people who had to go to a hospital three hours away because it was the closest one to their home that took Obamacare? How many times did we hear about having to wait a month and a half to see a physician on the Obamacare plan for a serious illness? The fact of the matter is, insurance does not give you access to healthcare. That is a total myth and needs to be blown up. IF the GOP really wants to “fix” healthcare, which really wasn’t all that broken for the vast majority of Americans in the first place, they need to work on the access to healthcare, not the insurance.

As insurance, Obamacare was really nothing more than a throwback to the old 80/20 Blue Cross plan that my parents had when I was growing up. I clearly remember my mother having to write the doctor a check after a visit. In recent years before Obamacare, that was never done. I’d go see a doctor, I’d give them a $15 or $20 co-pay, and I’d be out the door. No further bills, no 80/20. There were no deductibles, there were no hidden surprises. That was it. The rest was between the insurance company and the doctor. That was nice. That all changed with Obamacare.

Now we all have premiums which we have to pay (we’ve always had that), and we have deductibles that we have to hit before the insurance company gets involved, and we have “out of pocket maximums”. It was a rule changer that caused those of us that knew how to play the game to change the way we played. Last year, my wife had a planned, covered surgery in February. It took care of her out of pocket maximum…so she spent the year doing all of the other little things that she needed to take care of medically. It was all free and covered. Then she ended up having a rather serious situation crop up and ended up in ICU for a day, and hospital room for another day. That was covered all but maybe $100. It’s how you play the game…and the GOP needs to fix it so we get improved healthcare…not more insurance.

Let’s hope they get it right. If not, we’re back to Obamacare 2.0!

Carry on world…you’re dismissed!

Obamacare (OUCH!) Premium Increases!

It’s not going to be pretty if you happen to be one of the nine million people that are using individual insurance coverage and get it through the exchange known as “Obamacare”. You’re about to receive a shock comparable to two paddles attached to your chest! Clear!

The rates for Obamacare are coming out now. It looks like out here in the desert (where the Desert Man is going to have to suffer through five years of individual coverage) the rates are going up more than 50%. And I’ve been told by someone in the industry that every single major carrier has pulled out of this state. There is only one small company who can’t afford to lose money that is going to be the only choice I have if I go that route!

So much for every household saving $2500 a year on insurance premiums. So much for “If you like your doctor, you can keep your doctor”. The closest doctor to me under this new plan is 2 ½ hours away. And yet, there isn’t anything that is available to my wife and I other than COBRA because she’s retiring in two weeks. We can only hope and pray that we both stay healthy for five years until Medicare kicks in.

That’s the problem. There isn’t anything there, and as I’ve said all along, it was planned to fail. By failing, the government can swoop in and rescue everybody with single-payer healthcare. And that is going to bankrupt the country quicker than Obamacare will. Doctors are retiring at an alarming rate…medical schools have openings for people who barely finished high school, much less were at the top of their class in college. And the cost to become a doctor continues to soar, with no hope in sight of every being able to get out of debt. That’s not really what someone looking to go into the medical profession wants to hear right about now.

Meanwhile, the Democrat running for president says that if we let Obamacare fail on its own (which it’s doing) we are going to leave “20 million people without healthcare”. Well, that’s another Hillary lie. It’s actually closer to 2 million. There are only 9 million people signed up for Obamacare. 7 million of them lost their individual coverage five years ago when Obamacare came into existence, so they really didn’t get healthcare for the first time through Obamacare. That leaves 2 million that actually were helped. And we’ve thrown away 1.6 TRILLION dollars on them. Anybody want to do the math as to what that cost us?

This was a terrible experiment that went south quickly. It makes Frankenstein look like the FDA should approve that re-generation surgery immediately. And in the end analysis, THIS will become Bobo Obama’s greatest legacy.
Thanks Obama!

Carry on world…you’re dismissed!

Hate To Say I Told You So…

I don’t really think it takes an incredible genius of Harvard-style proportions to know early on that Obamacare would be a HUGE fail. After all, everybody that was being honest about it (which let out all of the Democrats that voted for it, and Obama), were screaming that it couldn’t work. Well, it seems they were right. In fact, even the healthcare overhaul’s largest supporter is now admitting that the whole thing was a sham.

Barack Obama himself has said that what needs to happen with Obamacare is that it goes to a single-payer system. Gee…knock me over with a feather. Really Democrats…you need to get a new playbook! This is getting ridiculous. You’re so easy to read and understand your true goals when you do something like this.

So, here’s a guy that lied to the American public from the start (remember, “If you like your doctor, you can keep your doctor”?) and kept lying to the American public every day since about the acceptance of Obamacare, now telling us that we NEED to have a single-payer system in order to fix it. Of course, he also claimed in a speech earlier this week that there were 25 million people on Obamacare which is a blatant lie. Obamacare is going to struggle to get to 9 million enrollees this year alone, and everybody that knows anything about insurance is saying the enrollees are going to decline, not advance.

The reason is simple. The math never worked for this. The insurance companies that signed on to it bought a bill of goods that swore that they’d make great money from the individual healthcare market just as long as they went along with some changes to the way they did business. There hasn’t been one single insurance company out there that hasn’t reported losses in the BILLIONS! And, Obama lied to them when he said the government would reimburse them for their losses for the first five years. That hasn’t happened, and won’t because of a law Marco Rubio pushed through congress saying it was illegal to do so.

So while Bobo is out there telling the world that Obamacare needs to survive, the truth is, it needs to be blown up as quickly as possible. There needs to be something in place to replace it, and no one wants to go back to the point that the 2 million people that had no insurance before this debacle began lose their insurance (I’m not counting the 6.8 million people that HAD individual coverages, lost them because of Obamacare and then were forced to sign up for more expensive insurance that had less coverage than they did before). No, we need to do something. I proposed doing two things early on and I stick to it today.

First, you open up the country. If I can buy a dishwasher from a store in North Carolina and have it shipped to the Arizona desert, I should be able to buy my insurance from anyone in the country. That’s true especially if the federal government is going to start sticking their nose into health insurance. There’s no reason we shouldn’t open up competition not squash it!

Second, if we are really concerned about the 2 million people without healthcare, buy them a policy. We would have saved almost a trillion dollars if we did that versus what we did. This is like building a Taj Mahal to store your push lawn mower in. Idiocy all the way!

I’m not saying Obamacare was entirely useless either. The “pre-existing condition” clause was a boon to the insurance industry and a bane to the individuals who had them. And the fact that Obamacare made every employer in America change who was eligible for insurance by limiting their hours, and cutting staff, having people 26 and under living in their parents’ basement still eligible to be on their insurance was a good thing. Other than that, blow it up! Start again! And in the meantime, go back to where we were, because this healthcare plan sucks. Always has…always will.

Carry on world…you’re dismissed!

The Obamacare Shuffle

Obamacare took another hit this past week as the Government Accounting Office, better known as the GAO came out with a scathing report on Health and Human Services. See, HHS is trying to repay the insurance companies that lost billions of dollars because of Obamacare. They had originally agreed to be part of the Obamacare fraud a few years ago when this abortion was being put together. And they were smart enough to realize that it was going to take a long time for anyone to make a profit at it. So the government stepped in and said that they’d be reimbursed for their losses for the first three years or so.

Well, now Sylvia Burwell, head of HHS is trying to do that, but the GAO has thrown the bullshit flag. See, a strict reading of the law says that the money needs to be paid to the treasury, who then issues the payment. HHS wants to pay the money directly. And we’re talking billions. They have this secret little fund set up (kind of like the same fund Obama used to ransom the hostages in Iran) and want to pull money from it without anybody knowing. For if the public ever found out that we were going to be spending hundreds of billions of dollars on top of what Obamacare has already cost us, there would be rioting in the streets of Washington!

So the whole thing is boiling down to the Obama administration trying to get this taken care of before January 20th. If they don’t, and Donald Trump wins, the whole enchilada falls apart. Trump won’t pay the insurance companies, and in fact, Trump will probably tell HHS to cease and desist its efforts to enforce Obamacare until congress comes up with something else.

And that brings up the other little monkey wrench that is thrown into this mess. Congress passed (and Obama signed) a bill stating that the US Government would NOT be reimbursing the insurance companies for their losses in Obamacare (remember? It was Marco Rubio who got it thru the Senate!) and many Republicans on the Hill are screaming that any such payment is illegal and will be punished (we haven’t heard THAT before, have we?). Interesting how it will play out, if it plays out at all.

Normally, the GOP Senators and Representatives would run it up to the Supreme Court to slap Obama down, but with only eight justices sitting there, it’s more than likely going to come back 4-4 tie, which means nothing happens. So that’s a moot point so to speak.

No, Obamacare is doomed. And we had better get used to either paying a lot more money that we don’t have to keep a wounded duck from dying on the pond, or just letting this monstrosity die. And with the House and Senate looking more and more like they are going to remain in GOP hands, IF Hillary does manage to win the White House, she’s not going to be able to fix anything short of pulling the plug.

Welcome to DC in the 21st Century!

Carry on world…you’re dismissed!

Obamacare Death Watch

Yeah, I’ve written about this before. The basic premise is that the Democrats knew well ahead of the passage of the “Affordable Care Act” (don’t you love how they name bills that are totally opposite of what they turn out to be?), they figured Obamacare would die on the vine and the government couldn’t let those millions of poor people suffer, so they’d swoop in and save them “with a public option” (read that as socialized medicine…single payer). And that appears to be exactly what’s happening.

Obamacare is in a world of hurt right now. The state of Wyoming has one insurer for the entire state. That’s a take it or leave it proposition. And others are soon going to follow. The problem is the insurance companies are losing billions because of the arcane and insane rules of this law. Now, I’ve said before, and for my liberal friends, I’ll say again, there are precisely two good things that came out of Obamacare. First is the doing away with “pre-existing conditions” which was always stupid, and the second was, because Obamacare forced many employers to do away with a LOT of workers so they could fall under the minimum workforce necessary to qualify for Obamacare, those 26 and under who lost their jobs and had to move back home with mom and dad would still qualify under their plan. Other than that? It’s been a total waste of a trillion dollars, all to cover two million people who didn’t have healthcare before this whole thing started.

So, the Dems are all up in arms about having a public option added to Obamacare. They say it will spur competition, and lower costs. What spurs competition is a competitive industry. Obamacare takes that away. It’s impossible to make a profit for these companies offering insurance, so please somebody explain to me how they are going to be making more of a profit if the costs of insurance come down? Somehow that seems, well, so Nancy Pelosi to me!

And when it comes right down to making these changes, you’re going to find that the Congress is going to have something to say about this. And it appears that the GOP will at least be holding on to the House, and the latest numbers I saw show they’ll be holding the Senate as well. That means that even with a Clinton win, she will have to get single payer coverage through a Republican Congress. Somehow I don’t think the Republicans are that stupid. No, I think the best option for Obamacare at this point is to repeal it and maybe start again. But I still contend that for the two million that it really helps, they ought to just buy those folks a policy for life. It would be a lot cheaper, and those folks would actually get medical care, not just insurance.

It’s just another Democrat ploy to gain more control of your life and more control of the money. And by the way…after seeing how well the US government runs healthcare by watching the Veterans Administration debacle, do you REALLY want to get your healthcare from Uncle Sam? Me neither!

Carry on world…you’re dismissed!