Con men are well aware of the old adage of when they are lying. Now that adage can be applied to our president. In more than a hundred maybe a thousand speeches the president said of his plan for universal health care, “If you like your health insurance plan and/or your doctor you can or will be able to keep them.” But as it turns out that is not true and when the president said those words over and over again, he knew it wasn’t true. Obama also claimed that your insurance premium for the average family would decline by $2,500 annually. In fact he knew both claims were a lie.
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Only because the individual mandate hits America a year before the employer mandate, this is estimated to affect “only” 15 million individual health plans and millions more insured under these individual plans. But when the employer mandates hit us in a year there will be as many as 90 or more millions of Americans affected. In other words, we are now only seeing the above-the-surface portion of the iceberg at full speed ahead. The president’s answer is that your private insurance was “sub-standard,” in that it doesn’t offer the coverage the government policy does. What kind of mandatory coverage does the government offer? Every policy will have maternity coverage, mental health coverage, obesity coverage, abortion coverage, fertility coverage, Viagra coverage and more. The majority of health insurance customers does not want this coverage, let alone pay for it for themselves or anyone else.
But the government plans have huge deductibles. A silver plan for a non-smoking family of four has an out-of-pocket cost of almost $14,000 with a deductible of $10,400. If you make $100,000, the out-of-pocket could be as high as $21,000 with a deductible of $12,700. With those kinds of numbers, who needs insurance? Better yet, it appears the IRS penalty can only be applied to your tax refund, not your total tax bill or obligation. That means most people who make the intelligent choice to not buy “health insurance” will also limit their federal tax withholding so they will not have a tax refund. They not only will take home a larger pay check, they will not incur back-breaking health care premiums until they need them. People will be free to negotiate their doctor bills. Why buy medical insurance unless you have a medical problem that has a potential total bill in excess of say $12,000?
Only those who had a plan before March of 2010 were grandfathered in to keep their health care under Obamacare, but that was a meaningless “grandfather clause” as under the Obamacare law, if your grandfathered insurance changes in deductible by as little as a $5 co-payment, you are expelled from that policy and forced into an Obamacare health exchange to buy “insurance.” When that happens and it has already happened for most of the grandfathered insurance plans, you will be hit with sticker shock. Most people will find their health “insurance” doubling in price with half the effective coverage including much higher deductibles and worse yet, coverage and medical care that will be decided by the government where there is no recourse.
Why is the government health insurance more expensive? First, it contains coverage you neither need nor want. Secondly, you have little choice in deductibles. And third and most important anyone can get insurance even with a significant pre-existing injury. So everyone pays for maternity and neo-natal care and everyone pays for people who are morbidly obese (walking time bombs), I could go on but there is no incentive for being smart about your health. And with the IRS penalty being suspended for now and limited at best, why would anyone buy insurance now when they are healthy? Buy it when you have a significant, expensive health problem. The bottom line is that people are seeing the price of their insurance double with less coverage applicable to them. It is probably best said in the following way: If you think health insurance is expensive now, wait until it’s free from the government.
It is common knowledge of the Obamacare sign-up Website’s an utter and complete failure after spending close to $700 million. That should be a sign of just how bad government health care will be. But so far the only people signing up are those who are being placed on what are essentially free Medicaid and Medicare. These people do not pay any premiums.
Obamacare is going to collapse under its own weight; just as the Soviet Union collapsed under the weight of a defense budget that was 50 percent of its GDP. Socialist schemes such as Obamacare can’t work as they defy human nature. But Obama despises America, he hates the Constitution and this is a major step towards the destruction of America. If you don’t get it, Obama is a liar. He has lied about the IRS scandal, Benghazi, the NSA spying and now Obamacare.
Now a Democrat running for office in Virginia is advocating a law that would require doctors to treat all Medicare and Medicaid patients regardless of fees. In other words she literally wants to enslave doctors. If you think there is a doctor shortage now, just wait until they pass a law like that.
Larry Weitzman is a resident of Rescue.