Jun 16 2013

What Will Obamacare Lead To?

Published by at 11:14 am under All General Discussions

In pondering the question that is the title of this post, one thing is known for sure: Obamacare will NOT lead to affordable care for all, or even affordable care for most.

Like all government run services, it will probably lead to expensive and mediocre health care for all  but the 1% richest (who will have escape hatches built into the law for themselves to buy the best care).

But that is not the real question for Obamacare. The question is more than whether Obamacare will be what it seems to be turning into: the most obvious big government mess ever conceived by the big-government lefty thinkers. The question I am pondering is whether this mess will have repercussions, whether the it will ignite something.

To know if there will be repercussions, we first need to see if Obamacare will be a big enough mess to ignite the ‘unintended consequences’ backlash. And so far, that is looking to be the result.

Example 1. Why liberals need to ‘frame’ an issue is nothing more than the need to employ false advertising. (I.e., how the “Affordable Care” act will produce just the opposite of what its label implies):

States are starting to roll out details about the exchanges, providing a look at just how affordable coverage under the Affordable Care Act will be. Some potential participants may be surprised at the figures: $2,000 deductibles, $45 primary care visit co-pays, and $250 emergency room tabs.

Those are just some of the charges enrollees will incur in a silver-level plan in California, which recently unveiled an overview of the benefits and charges associated with its exchange. That’s on top of the $321 average monthly premium.

California offers insight into how much participants will actually have to pay under Obamacare. The state, unlike most others, is requiring insurers to offer a standard set of benefits and charges in each plan level. The only variables are monthly premiums, doctor networks and carriers in your area.

One size fits all means disaster, since humans are not that similar in health care needs.  Worse, this is from the state that has run mind boggling deficits for decades and can’t get its fiscal house in order. Imagine the type of health care those politicians in California will be cooking up? Yeah, this will work. [images link to other articles worth reading]

More here (from the AP no less):

It’s called the Affordable Care Act, but President Barack Obama’s health care law may turn out to be unaffordable for many low-wage workers, including employees at big chain restaurants, retail stores and hotels.

The company can get off the hook, say corporate consultants and policy experts, but the employee could still face a federal requirement to get health insurance.

The law is complicated, but essentially companies with 50 or more full-time workers are required to offer coverage that meets certain basic standards and costs no more than 9.5 percent of an employee’s income. Failure to do so means fines for the employer. (Full-time work is defined as 30 or more hours a week, on average.)

But do the math from the worker’s side: For an employee making $21,000 a year, 9.5 percent of their income could mean premiums as high as $1,995 and the insurance would still be considered affordable.

One look at the California numbers above, and you can see Obamacare is not going to be a pleasant shock to country going through anemic economic times.

So what will most people do?

Probably run for the hills.  At least that is what we see those on Capitol Hill doing (Capitol Hills being where Congress resides, so these are the authors of Obamacare):

Dozens of lawmakers and aides are so afraid that their health insurance premiums will skyrocket next year thanks to Obamacare that they are thinking about retiring early or just quitting.

The fear: Government-subsidized premiums will disappear at the end of the year under a provision in the health care law that nudges aides and lawmakers onto the government health care exchanges, which could make their benefits exorbitantly expensive.

Sources said several aides have already given lawmakers notice that they’ll be leaving over concerns about Obamacare. Republican and Democratic lawmakers said the chatter about retiring now, to remain on the current health care plan, is constant.

This ability to retire and stay on their current health care plan is one of those back doors I mentioned earlier. No one else but government workers will have that option. It is pretty clear those under personal and company plans are going to be forced to switch. They have to, to show they conform with Obamacare. Here is a real good legal review on the President’s (framed) promise of keeping your health care – and why it is pure myth.

But is this bleak furturr really the only potential outcome of Obamacare – expensive mediocre care run by our inept governments?

No.

There is a chance Obamacare creates a backlash. One big enough to turn the entire health care question on hits head. And here is one small example of actually what could happen as a result of liberal over-reaching and over-promising (a.k.a. ‘framing’):

A Kansas physician says he makes the same income and offers better quality care to his patients after he dumped all health insurance companies.

Thirty-two-year old family physician Doug Nunamaker of Wichita, Kan., said after five years of dealing with the red tape of health insurance companies and the high overhead for the staff he hired just to deal with paperwork, he switched to a system of charging his patients a monthly fee plus the price of an office visit or test, CNN/Money reported.

For adults up to age 44, Nunamaker charges $50 a month, pediatric services are $10 a month, and for adults age 44 and older it costs $100 a month. Although Nunamaker calls the practice “cash-only,” he accepts credit and debit cards for the fees and services.

The best way to keep big government and big business out of our lives is to actually push them out of our lives. And then we can go back to our individual pursuit of life, liberty and happiness. And once we see how we can thrive without them, we can pull their funds and power.

3 responses so far

3 Responses to “What Will Obamacare Lead To?”

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  2. Redteam says:

    I have no doubt that your numbers all come from the quoted sources. But we can only hope that the actual charges will be that small. Let me give you some numbers. I’m retired and on Social Security. Medicare costs $108 for me and $108 for my wife. Supplemental insurance costs $321 and Prescription insur is $49. That’s a total of $586 per month or $7032 per year. And that’s on an income of (SS ONLY) of $31,300, a rate of 22.5%. So that rate of $1995 on income of $21,000 seems like a pretty good deal (relatively speaking). I can see where a physician private plan would be an excellent deal, at or near the rates quoted. That would drop my costs to $2400 a year, but that’s only for the physician and does not include hospital insurance, which mine currently does. I don’t think there is a good answer for this fiasco.

  3. Redteam says:

    Actually, I didn’t include the costs for individual office visits and tests, therefore my costs would actually be much higher than the $2400 annually. Probably closer to $7000, seeing how much tests cost.