Showing posts with label individual health insurance mandates. Show all posts
Showing posts with label individual health insurance mandates. Show all posts

Friday, September 25, 2009

Proof Is Not Enough


Liberals will not let facts or reason get in the way. Show them the dire reports from the Congressional Budget Office or the Congressional Research Office and they just snort. Tell them about the horrors of government-run medicine in Canada or Great Britain and they change the subject. Show them the failures of health insurance mandates and the public option in Massachusetts...they'll call it a success.

As I've noted repeatedly, we've seen enough in Massachusetts with the skyrocketing increase in health care expenditures, the increasing waiting times and the decreasing supply of health care providers to know exactly what will happen with ObamaCare. And as if we didn't already know enough, now there's this:

A study just published in the Annals of Emergency Medicine shows a 9% increase in emergency room visits since the commonwealth [of Massachusetts]’s universal health-care plan was signed into law in 2006.

Obama and the Democrats have had quite a bit to say lately about improving the tone and quality of the debate over health care reform. If they really want a civilized debate, it would help if they would actually listen, and accept the facts for what they are.


More


Emergency Room Visits Increase Under Universal Coverage

Massachusetts Is a Health-Reform Model (for failure)

Obama Calls for 'Civil' Tone on Health Care

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Monday, September 21, 2009

Who Are You Going to Believe…Me, or That Lying Dictionary?


Obama has decided to sacrifice his credibility in pursuit of his health care agenda. If that wasn't perfectly clear before Obama's media blitz on Sunday, it certainly is now. In his interview with ABC's George Stephanopoulos, Obama explained that a tax ain't a tax unless he says it's a tax:

ABC: You were against the individual [health insurance] mandate...during the campaign.

OBAMA: Yes.

ABC: Under this mandate, the government is forcing people to spend money, fining you if you don’t. How is that not a tax?

OBAMA: Now what I've said is that if you can't afford health insurance, you certainly shouldn't be punished for that. That's just piling on. If, on the other hand, we're giving tax credits, we've set up an exchange, you are now part of a big pool, we've driven down the costs, we've done everything we can and you actually can afford health insurance, but you've just decided, you know what, I want to take my chances. And then you get hit by a bus and you and I have to pay for the emergency room care, that's...

ABC: That may be, but it's still a tax increase.

OBAMA: No. That's not true, George. For us to say that you've got to take a responsibility to get health insurance is absolutely not a tax increase. What it's saying is, is that we're not going to have other people carrying your burdens for you anymore than the fact that right now everybody in America, just about, has to get auto insurance. Nobody considers that a tax increase. People say to themselves, that is a fair way to make sure that if you hit my car, that I'm not covering all the costs.

ABC: But it may be fair, it may be good public policy...

OBAMA: No, but but, George, you you can't just make up that language and decide that that's called a tax increase. Any...

ABC: I I don't think I'm making it up. Merriam Webster's Dictionary: Tax "a charge, usually of money, imposed by authority on persons or property for public purposes."

OBAMA: George, the fact that you looked up Merriam's Dictionary, the definition of tax increase, indicates to me that you're stretching a little bit right now. Otherwise, you wouldn't have gone to the dictionary to check on the definition.

Obama makes a lot of audacious claims here. Particularly absurd is the assertion that the Dems are pushing ObamaCare to promote personal responsibility. There can be little doubt that the primary reason for the individual health insurance mandate is "far more cynical and political." As Rivkin and Casey note, the individual mandate is a "cross-generational subsidy...essential to winning insurance industry support for the legislation and acceptance of heavy federal regulations." The young and the healthy will be forced to carry the burdens of the old and the unwell (or illegal) by paying for excessive government-approved coverage...at the behest of the Obama regime.

Obama has admitted as much: "Unless everybody does their part, many of the insurance reforms we seek especially requiring insurance companies to cover pre-existing conditions just can’t be achieved."

I also take umbrage with the notion that lack of insurance precludes payment for unexpected health expenses. Thomas Sowell has written an excellent article that shreds that myth to bits:

What did we do, back during the years when most Americans had no medical insurance? I did what most people did. I depended on a "single payer" myself. When I didn't have the money, I paid off my medical bills in installments.

The birth of my first child was not covered by medical insurance. I paid off the bill, month by month, until the time finally came when I could tell my wife that the baby was now ours, free and clear.

In a country where everything imaginable is bought and paid for on credit, why is it suddenly a national crisis if some people cannot pay cash up front for medical treatment?

The most objectionable of Obama's claims is the incredible declaration that his tax isn't a tax...simply because he says it isn't.

Do we need a definition czar?

In the very same interview Obama had said that this year's projected increase in total health care spending equates to a tax increase on American families:

"...you've got what is effectively a tax increase taking place on American families right now. The Kaiser Family Foundation report just came out last week. Health care premiums went up 5.5 percent last year at a time when the rest of the economy, inflation was actually negative. So that is a huge bite out of people's pockets."

So money that goes to the health care industry is a tax increase, but money that goes to the government is not? I'm confused.

As The blogprof points out, Obama has a history of dubious claims about tax cuts, taking credit for consumer savings that have nothing to do with tax revenues. "In the case of mortgage refinancing, Obama himself claimed a tax cut even though actual money paid to the government (i.e. - taxes) wouldn't change..."

Update:

Why don't we just point out the obvious?

Let’s all open up our copy of the Baucus plan and turn to page 29. We find ourselves in SUBTITLE D: SHARED RESPONSIBILITY. And what does the bill tell us will happen if you fail to purchase health insurance?

Excise Tax. The consequence for not maintaining insurance would be an excise tax.

Friday, September 18, 2009

Health Care by Government Force: Outrageous, Egregious, Preposterous...


Obama's mandate for individual health insurance is irresponsible, unfair...and unconstitutional. Don't take my word for it, here's how Team Obama disparaged individual health insurance mandates, circa 2008:

"[The] Plan forces everyone to buy insurance, even if you can't afford it... and you pay a penalty if you don't."

"...the way [the plan] covers everyone is to have the government force uninsured people to buy insurance..." [emphasis mine]

...Or as Jackie Chiles might say, "It's Outrageous, egregious and preposterous!"

But Obama has come a long way since those halcyon days of yesteryear. Now the uninsured are in his crosshairs. If you dare to go without health insurance, watch out. Obama knows where you live:

"The problem is, such irresponsible behavior costs all the rest of us money. If there are affordable options and people still don’t sign up for health insurance, it means we pay for those people’s expensive emergency room visits. If some businesses don’t provide workers health care, it forces the rest of us to pick up the tab when their workers get sick, and gives those businesses an unfair advantage over their competitors. And unless everybody does their part, many of the insurance reforms we seek – especially requiring insurance companies to cover pre-existing conditions – just can’t be achieved. That’s why under my plan, individuals will be forced required to carry basic health insurance."

There's a small problem with all of this the Constitution:

The elephant in the room is the Constitution. As every civics class once taught, the federal government is a government of limited, enumerated powers, with the states retaining broad regulatory authority.

It is the authority to regulate foreign and interstate commerce that—in one way or another—supports most of the elaborate federal regulatory system. If the federal government has any right to reform, revise or remake the American health-care system, it must be found in this all-important provision. This is especially true of any mandate that every American obtain health-care insurance or face a penalty.

...Of course, a health-care mandate would not regulate any "activity," such as employment or growing pot in the bathroom, at all. Simply being an American would trigger it.

...Taxation can favor one industry or course of action over another, but a "tax" that falls exclusively on anyone who is uninsured is a penalty beyond Congress's authority. If the rule were otherwise, Congress could evade all constitutional limits by "taxing" anyone who doesn't follow an order of any kind—whether to obtain health-care insurance, or to join a health club, or exercise regularly, or even eat your vegetables.

The Wall Street Journal distills the latest iteration of ObamaCare down to it's essence: "Everyone would be forced to buy these government-approved policies, whether or not they suit their needs or budget. Families would face tax penalties as high as $3,800 a year for not complying, singles $950. As one resident of Massachusetts where Mitt Romney imposed an individual mandate in 2006 put it in a Journal story yesterday, this is like taxing the homeless for not buying a mansion."

Health care by government force? ...In 2008, Obama had the sense to ask, "Is that the best we can do for families struggling with high health care costs?"


Outrageous, Egregious, Preposterous...




More


Why an individual mandate could be struck down by the courts.

Obama opposed individual health insurance mandates

The Obama-Baucus plan would make health insurance even more expensive.

ObamaCare...a return to rugged individualism? Obama: “For us to say that you’ve got to take a responsibility to get health insurance is absolutely not a tax increase. What it’s saying is that we’re not going to have other people carrying your burdens for anymore.” h/t: The 46

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