Vassal-lating

Michael Ramirez Cartoon

In 2011, the top 1% shouldered 35% of the tax burden, although their share of income was just less than 19%. The top 0.1% (one-tenth of one percent) accounted for less than 9% of all income, but paid 16% of income taxes.

What’s more, the long-term trend has been to tilt the tax burden increasingly toward the rich. In 1980, the top 1% paid less than a fifth of all income taxes; by 2011, they paid more than a third.

And this doesn’t count the various Obama tax hikes on the wealthy that kicked in this year, both as part of the January budget deal and ObamaCare.

So much for Obama’s complaint that “as a trickle-down ideology became more prominent, taxes were slashed for the wealthiest.” Just another lie, it seems.

According to a Tax Foundation analysis of new IRS data, the bottom half of income-tax filers paid 36% more in taxes in 2011 than they did in 2010 — even though their incomes barely budged.

The top half, in contrast, saw their tax burden climb only 9%. The average tax rate paid by the bottom half has climbed every year under Obama, going from 2.35% in 2009 to 3.13% in 2011.

Viewed another way, the share of “adjusted gross income” earned by the bottom half fell slightly in 2011, but their share of income taxes paid actually rose — the first such increase since 1989. (IBD)

But was made up by government transfer payments (aka welfare and the like) so if the poor didn’t have Big Brother paying them off they’d actually be paying more!

And who’s paying for those payments. In part, they are.

So it’s a shell game. It’s a dependency game. In fact, it’s all just a game.

Oh, and it get’s better. If the vassal leaves the area around the Lord’s castle they will be robbed by the King’s men.

It’s bad enough that the president’s health insurance takeover costs more, breaks his pledge of letting you keep your plan and diminishes choice. It actually restricts your travels too.

‘We have never had to put a wall up to keep our people in.” Those words from President John F. Kennedy in June 1963, standing at the Berlin Wall, neatly illustrated the moral superiority of the free West over the Soviet bloc.

But Americans are now about to find themselves grappling with their own bureaucratic Berlin Wall. The American Thinker’s Stella Paul has exposed the virtually unnoticed fact that within the ObamaCare exchanges so many Americans are being forced into, “most plans only provide local medical coverage.”

Paul warns this will have “a profound impact on the real-estate market, particularly the second home sector, and on the travel business.” She interviewed one Connecticut retiree whose health required having a winter home in South Carolina. Her $450-per-month, $2,500 deductible, no co-pay Blue Cross policy that had worked well in both states was suddenly canceled.

The new policy she was offered under ObamaCare was twice as expensive, with a deductible costing $1,000 more, and no out-of-network coverage.

Having had a surgery at Memorial Sloan-Kettering Cancer Center in New York City, out-of-network coverage was a must. And she found it. “It’s $900 a month,” she told Paul, “with a $7,000 deductible and a co-pay on everything. Basically, it’s catastrophic insurance, and I’ll be paying my South Carolina doctors out of pocket.”

A prominent New York insurance broker pointed out that most of the policies offered on the ObamaCare exchanges are not national networks, so “if you need routine medical services, they will not be covered when you leave your local area,” as they were before.

Travel health insurance, unfortunately, only covers emergencies. So, the broker told Paul, “a large portion of the population will have their insurance as a consideration for their mobility, which they never had before.”

Imagine having to take all this into account in making decisions about where in America you want to live.

And as Paul asks, “With Americans no longer able to receive routine medical services when they travel, will they start showing up in emergency rooms for sore throats and backaches? And how will these new throngs of patients affect the waiting time of people with genuine medical emergencies?”

Meet the latest unpleasant ObamaCare surprise, right on the heels of HHS Secretary Kathleen Sebelius this week finally admitting that, contrary to Obama’s endlessly repeated promise, “there are some individuals who may be looking at increases” in premiums.

Unrestricted movement is a birthright of our liberty. Even socialized medicine’s harshest opponents didn’t suspect Washington would trample that freedom. (IBD)

You have to keep close to your local Lord and Master or else!

Don’t go off the reservation of venture to far from the protection of your Lord or else the beasties and robbers in the wilderness will eat you alive….

You’re a Vassal.

A vassal is a person who has entered into a mutual obligation to a lord or monarch in the context of the feudal system in medieval Europe.

Lord Government is calling…As Americans realize they must pay for all non-emergency medical care when they leave their home county.

Political Cartoons by Michael Ramirez

Political Cartoons by Robert Ariail

Political Cartoons by Henry Payne

Political Cartoons by Lisa Benson
 Political Cartoons by Glenn McCoy

Political Cartoons by Gary Varvel

Convict Bureaucracy

Hilarious quote of the Weekend:

Before everyone in this town convicts this person in the court of public opinion with no evidence, let’s actually get the facts and make decisions after that. There’s nothing that suggests she did anything wrong,” *(ROTFL)*  White House senior adviser Dan Pfeiffer, appearing on four Sunday morning political talk shows, offered strong support for Sarah Hall Ingram, who led the agency’s tax-exempt division as it admittedly targeted conservative groups. She recently was promoted to chief of the health care reform office, tasked with implementing “Obamacare.” (WT)

Close Second:  White House Press Secretary Jay Carney appeared on CNN’s “Piers Morgan Live” Thursday night to answer questions related to the three separate scandals that have turned the federal government on its head over the last two weeks.

Carney’s answers summed up: There are no scandals.

“You’re concocting scandals that don’t exist,” Carney said, when show host Piers Morgan asked how the Obama administration would “restore the faith that some Americans have lost” in its transparency.

“Especially with regard to the Benghazi affair that was contrived by Republicans and, I think, has fallen apart largely this week,” Carney said.

He continued, . And we are committed to that. The president is committed to that.” (Blaze)

Political Cartoons by Jerry Holbert

This from the Valerie Plaime, Trent Lott, Tea Party “Violence” ad nauseum “Vote for me!- The Other Guys an asshole” convict-everyone-who-disagrees-with-me-in-the-media crowd.

2005: (from a  Progressive Liberal website)-

Today comes the revelation in The Wall Street Journal that “A key department memo discussing Joseph Wilson’s Niger trip was classified ‘Top Secret,’ and the passage about his wife’s CIA role was specially marked ‘S/NF’ — not to be shared with any foreign intelligence agencies.”

Perhaps even more damning are reports that the Top Secret-S/NF document was apparently first delivered to Air Force One when George W. Bush and Colin Powell (who had apparently requested it from analysts within the State Department) were flying to Africa in 2003.

Somehow – nobody knows at the moment – the information in this Top Secret-S/NF document (the identity of Joe Wilson’s wife) then migrated from Air Force One to George W. Bush’s assistant, Karl Rove, and Dick Cheney’s assistant, Scooter Libby. Rove and Libby then immediately began “dialing for dollars” – calling reporters with this juicy bit of Top Secret-N/SF information – in an attempt to politically assassinate Joe Wilson.

Which raises the question: “What did the President know, and when did he know it?”

But they are as as silent as the grave on Obama when you pose that same question now. 🙂 Is there such a thing as Anti-Silence? 🙂

SILENCE WILL FALL!

Hilarious!
But predictable. After all, Don’t do as I do, Do as I say. You aren’t allowed to use their own tactics against THEM. They are holier-than-thou.

“I think we’re going to find that there’s a written policy that says we were targeting people who were opposed to the president. I can’t believe that one rogue agent started this. It seems to be too widespread,” said Sen. Rand Paul, Kentucky Republican and potential 2016 presidential candidate.

His Republican colleague Sen. John Cornyn of Texas agreed that there must be more to the story.

What did THIS President know and when did he know it? No one in the White House, The Democrats or most of the Media wants to know. But 8 years ago they were a ravenous pack of velociraptors over this very same question.

Fascinating… 🙂

“Bureaucrats don’t take risks unless they have a signal, either explicit or implicit, from their higher-ups that what you’re doing is exactly what we expect you to do,” he said during an interview on CBS’ “Face the Nation.” “I have a very hard time believing that this was something cooked up in Cincinnati by midlevel employees.”

Or in Phoenix ATF (Fast & Furious anyone?) 🙂
Bureaucrats are creatures of safe, secure habits.
Bureaucracy is “a system of administration marked by officialism, red tape, and proliferation.” (Webster Dictionary). And a Bureaucrat is a creature of Bureaucracy. They are risk takers or rule-breakers unless it’s safe to do so.
Bureaucracies are criticized for their complexity, their inefficiency, and their inflexibility.
The dehumanizing effects of excessive bureaucracy were a major theme in the work of Franz Kafka, and were central to his masterpiece The Trial. The elimination of unnecessary bureaucracy is a key concept in modern managerial theory], and has been a central issue in numerous political campaigns. Others have defended the existence of bureaucracies. The German sociologist Max Weber argued that bureaucracy constitutes the most efficient and rational way in which human activity can be organized, and that systematic processes and organized hierarchies were necessary to maintain order, maximize efficiency and eliminate favoritism.[14] But even Weber saw bureaucracy as a threat to individual freedom, in which the increasing bureaucratization of human life traps individuals in the an “iron cage” of rule-based, rational control.
What better place for people who believe if you tell a lie often enough that it becomes the truth but bureaucracy.
And what better bureaucrat to head the chief weapon, ObamaCare, than a loyal partisan bureaucrat.
AN APPARATCHIK!
Which is a Russian colloquial term for a full-time, professional functionary of the Communist Party or government, i.e. an agent of the governmental or party “apparat” (apparatus) that held any position of bureaucratic or political responsibility, with the exception of the higher ranks of management. James Billington describes one as “a man not of grand plans, but of a hundred carefully executed details.” It is often considered a derogatory term, with negative connotations in terms of the quality, competence, and attitude of a person thus described. (Wiki)
But utterly loyal to the Party and will do whatever the Party requires.
Susan Rice, anyone?
Eric Holder?
The Mainstream Media?
The Wall Street Journal is reporting President Obama’s top attorney knew about the IRS targeting weeks ago before news broke, but of course, Obama still didn’t know about it until he learned about it “from the news.”
She just didn’t tell him? 🙂
Fascinating…
Victor Davis Hanson:In then-Sen. Barack Obama’s 2008 presidential campaign, he ran to the left of Hillary Rodham Clinton as a moral reformer. Mr. Obama promised to transcend the old politics and bring a new era of hope-and-change transparency to Washington. Five years later, those vows are in shambles.True, the killing of four Americans in Benghazi, Libya, has become a mess of partisan bickering, but the disturbing facts now transcend politics. The Obama administration — the president himself, Mrs. Clinton as secretary of state, U.N. Ambassador Susan E. Rice, White House press secretary Jay Carney — all at various times blamed an obscure video maker for the “spontaneous violence” that killed Americans last September.The problem is not just that such scapegoating was untrue, but that our officials knew it was untrue when they said it — given both prior CIA talking-point briefings and phone calls from those on the ground during the attacks.

One theme ties all the bizarre aspects of the Benghazi scandal together — the doctored talking points, the inexplicable failure to beef up diplomatic security before the attacks and to send in help during the fighting, the jailing of a petty con artist on the false charge that his amateur video had led to attacks on our consulate, and the shabby treatment of nonpartisan State Department whistleblowers.

There was an overarching pre-election desire last year to downplay any notion that al Qaeda remained a serious danger after the much-ballyhooed killing of Osama bin Laden. Likewise, Libya was not supposed to be a radical Islamic mess after the successful “lead from behind” ouster of Moammar Gadhafi. Facts then had to change to fit a campaign narrative.

As the congressional hearings on Benghazi were taking place last week, we also learned that the Internal Revenue Service, administered by the Department of the Treasury, has been going after conservative groups in a politicized manner that we have not seen since Richard Nixon’s White House. There was no evidence that any of these conservative associations had taken thousands of dollars in improper tax deductions — in the manner of former Treasury Secretary Timothy F. Geithner, the onetime overseer of the IRS.

Instead, groups with suspiciously American names like “Patriot” or “Tea Party” prompted IRS partisans to scrutinize their tax information in a way that they would not have for the tax-exempt MoveOn.org or the Obama-affiliated Organizing for Action. On top of that, the Justice Department just announced that it had secretly seized the records of calls from at least 20 work and private phone lines belonging to editors and reporters at The Associated Press in efforts to stop suspected leaks.

At about the same time as the Benghazi and IRS disclosures, it was widely learned that there was a strange relationship between the Obama White House and the very center of the American media — odd in a way that might explain the unusually favorable media coverage accorded this administration.

Ben Rhodes, the deputy national security adviser for strategic communications in the Obama administration, is linked to the doctoring of the Benghazi talking points. He also happens to be the brother of CBS News President David Rhodes. CBS recently pressured one of its top reporters, Sharyl Attkisson, for “wading dangerously close to advocacy,” as one report worded it, in her critical reporting of Benghazi.

Unfortunately, such relationships are not rare with this administration. The head of ABC News, Ben Sherwood, has a sister who works for the Obama White House as a special assistant, Elizabeth Sherwood-Randall.

There is more. The CNN deputy bureau chief, Virginia Moseley, is married to Mrs. Clinton’s former aide at the State Department, Tom Nides, who is also a former Fannie Mae executive. Mr. Carney, Obama’s press secretary, is the husband of Claire Shipman, the senior national correspondent for ABC’s “Good Morning America.”

Apparently, in the logic of the Obama White House and the Washington media, there is nothing improper about wives dispassionately reporting to the nation on what their husbands are doing, or brothers adjudicating the news coverage of their own siblings.

Last month, the congressional architect of “Obamacare,” Sen. Max Baucus, Montana Democrat, announced his plans to retire — in part because he feared his legislative child would become “a train wreck.” Senate Majority Leader Harry Reid, who shepherded the bill toward passage, has echoed that worry.

Democrats are panicking because before the Patient Protection and Affordable Care Act is even fully implemented in the midterm election year 2014, it appears neither affordable nor protective of patients. That reality was long ago foreseeable — given that Obamacare passed on a strictly partisan vote, with a number of questionable legislative payoffs to skeptical fence-sitting Democrats, and even after House Speaker Nancy Pelosi, who helped ram the bill through the House, admitted that, “We have to pass the bill so that you can find out what is in it.”

What is the common denominator in all these second-term administration embarrassments? “Hope and change” is fast becoming the 1973 Nixon White House.

But this Nixon, has the Press and a  24/7 News Lying cycle to try and cover it all up.
That’s why this is not 1973, but 2013.
America, The Land of The Bureaucrat and The Home of The Spin Liars Club of Washington.
America, What a Country! 🙂
Political Cartoons by Michael Ramirez
Political Cartoons by Glenn Foden

Michael Ramirez Cartoon

The Pork Sleighs Me

Political Cartoons by Jerry Holbert

Some Christmas Pork over the Crony Barrel:

WASHINGTON — President Obama’s $60.4 billion request for Hurricane Sandy relief has morphed into a huge Christmas stocking of goodies for federal agencies and even the state of Alaska, The Post has learned.

The pork-barrel feast includes more than $8 million to buy cars and equipment for the Homeland Security and Justice departments. It also includes a whopping $150 million for the National Oceanic and Atmospheric Administration to dole out to fisheries in Alaska and $2 million for the Smithsonian Institution to repair museum roofs in DC.

An eye-popping $13 billion would go to “mitigation” projects to prepare for future storms.

Other big-ticket items in the bill include $207 million for the VA Manhattan Medical Center; $41 million to fix up eight military bases along the storm’s path, including Guantanamo Bay, Cuba; $4 million for repairs at Kennedy Space Center in Florida; $3.3 million for the Plum Island Animal Disease Center and $1.1 million to repair national cemeteries.

Budget watchdogs have dubbed the 94-page emergency-spending bill “Sandy Scam.”

Matt Mayer of the conservative Heritage Foundation slammed the request as an “enormous Christmas gift worth of stuff.”

“The funding here should be focused on helping the community and the people, not replacing federal assets or federal items,” he said.

Never Let a Crisis Go to Waste! 🙂

Mark Steyn:

A few years ago, my small local hospital asked a Senate staffer if she could assist them in obtaining federal money for a new building. So she did, expediting the process by which that particular corner of northern New Hampshire was deemed to be “under-served” and thus eligible for the fed gravy. At the ribbon-cutting, she was an honored guest, and they were abundant in their praise. Alas, in the fullness of time, the political pendulum swung, her senator departed the scene, and she was obliged to take a job out of state.

Last summer, she returned to the old neighborhood and thought she’d look for a doctor. The sweet old guy with the tweed jacket in the neatly painted cape on Main Street had taken down his shingle and retired. Most towns in the North Country now have fewer doctors than they did in the 19th century, and the smaller towns have none. The Yellow Pages lists more health insurers than physicians, which would not seem to be an obvious business model. So she wound up going to the health center she’d endowed so lavishly with your tax dollars just a few years earlier.

They gave her the usual form to fill in, full of perceptive inquiries on her medical condition: Do you wear a seat belt? Do you own a gun? How many bisexual men are you now having sex with? These would be interesting questions if one were signing up for eHarmony.com and looking to date gun-owning bisexuals who don’t wear seat belts, but they were not immediately relevant to her medical needs. Nevertheless, she complied with the diktats of the Bureau of Compliance, and had her medical records transferred, and waited . . . and waited. That was August. She has now been informed that she has an appointment with a nurse-practitioner at the end of January. My friend pays $15,000 a year for health insurance. In northern New Hampshire, that and meeting the minimum-entry requirement of bisexual sex partners will get you an appointment with a nurse-practitioner in six months’ time.

Why is it taking so long? Well, because everything in America now takes long, and longer still. But beyond that malign trend are more specific innovations, such as the “Office of the National Coordinator for Health Information Technology,” which slipped through all but unnoticed in Subtitle A Part One Section 3001 of the 2009 Obama stimulus bill. Under the Supreme National Coordinator, the United States government is setting up a national database for everybody’s medical records, so that if a Texan hiker falls off Mount Katahdin after walking the Appalachian Trail, Maine’s first responders will be able to know exactly how many bisexual gun-owners she’s slept with, and afford her the necessary care.

This great medical advance is supposed to be fully implemented by 2014, so the federal government is providing incentives for doctors to comply. Under the EHR Incentive Program, if a physician makes “meaningful use” of electronic health records, he’s eligible for “bonuses” from the feds — a mere $44,000 from Medicare, for example, but up to $63,750 from Medicaid. If you have a practice at 27 Elm Street and you’re treating the elderly widow from 22 Elm Street, she’s unlikely to meet the federally mandated bi-guy requirement, but you can still qualify for bonuses by filing her smoking status with Washington. For medical facilities in upscale suburbs, EHR is costly and time-consuming, and, along with a multitude of other Obamacare regulatory burdens, helping drive doctors to opt out entirely: My comrade Michelle Malkin noted the other day that her own general practitioner has now switched over to “concierge care,” under which all third parties (whether private insurers or government) are dumped and a patient contracts with his doctor solely through his checkbook. Some concierge docs will even make house calls: Everything old is new again! (For as long as the new federal commissars permit it.)

But in the broken-down rural hinterlands, EHR and other novelties make it more lucrative for surviving medical centers to prioritize federal paperwork over patient care. For example, there’s a lot of prescription-drug abuse in this country, and so the feds award “meaningful use” bonuses for providing records that will assist them in determining whether a guy with a prescription for painkillers in New Hampshire also has a prescription for painkillers with another doctor over the Connecticut River in Vermont. So in practice every new patient in this part of the world now undergoes a background check before getting anywhere near a doctor. It doesn’t do much for your health, but it does wonders for an ever more sclerotic bureaucracy.

Hence the decay of so many “medical” appointments into robot-voiced box-checking. At the doctor’s a couple of months back, the nurse was out to lunch, and so the receptionist-practitioner rattled through the form. In the waiting room. “Are you sexually active?” she asked. “You first,” I replied. I hope I didn’t cost her the federal bonus.

But don’t worry, it’s totally secure. Carl Smith Jr. was the first physician in Harlan County, Kentucky to introduce EHR. “Because of this technology,” Dr. Smith says, “we can send the patient’s prescription electronically by secure e-mail to pharmacies.” Wow! “Secure e-mail”: What a concept! It’s a good thing the e-mail is secure at American pharmacies because nothing else is. Last Christmas, while guest-hosting at Fox News in New York, I had a spot of ill health and went to pick up a prescription at Duane Reade on Sixth Avenue. The woman ahead of me was having some difficulties. She was a stylish lady d’un certain age, and she caught my wandering eye. After prolonged consultation with the computer, the “pharmacist” informed her (and the rest of us within earshot) that her insurer had approved her Ortho but denied her Valtrex. I was thinking of asking her for cocktails at the Plaza, when I noticed the other women in line tittering. It seems that Ortho is a birth-control pill, and Valtrex is a herpes medication.

So good luck retaining any meaningful doctor-patient confidentiality in a system in which more people — insurers, employers, government commissars, TSA Obergropinführers, federal incentive-program auditors — will be able to access your medical records than in any other nation on earth.

No foreigner can even understand the American “health care” debate, which seems to any tourist casually surfing the news channels to involve everything but health care. Since the Second World War, government medical systems have taken hold in almost every developed nation, but only in America does the introduction of governmentalized health care impact small-business hiring practices and religious liberty, and require 16,500 new IRS agents and federal bonuses for contributing to a national database of seat-belt wearers. Thus, Big Government American-style: Byzantine, legalistic, whimsical, coercive, heavy on the paperwork, and lacking the one consolation of statism — the great clarifying simplicity of universal mediocrity.

As I wrote a couple weeks ago, Obamacare governmentalizes one-sixth of the U.S. economy — or the equivalent of the entire French economy. No one has ever attempted that before, not even the French. In parts of rural America it will quickly achieve a Platonic perfection: There will be untold legions of regulators, administrators, and IRS collection agents, but not a doctor or nurse in sight.

Michelle Malkin: Department of Health and Human Services Inspector General acknowledged that the incentive system is “vulnerable to paying incentives to professionals and hospitals that do not fully meet” the program’s quality assurance requirements. The federal health bureaucracy “has not implemented strong prepayment safeguards, and its ability to safeguard incentive payments postpayment is also limited,” the IG concluded.

Translation: No one is actually verifying whether the transition from paper to electronic is improving patient outcomes and health services. No one is actually guarding against GIGO (garbage in, garbage out). No one is checking whether recipients of the EMR incentives are receiving money redundantly (e.g., raking in payments when they’ve already converted to electronic records). No one is actually protecting private data from fraud, abuse or exploitation.

But not doing it, or doing it more rationally of course, is, you guessed it “racist” “sexist” “bigotry” and “trying to kill grandma.”

America in the 21st Century, what a Kingdom of Bureaucracy. The Bureaucrat is King and you’re just a smelly, nasty, demanding little serf who just wants to annoy them.

Congrats. It’s what you voted for Amerika. 🙂

 

 

 

 

Insurance 201

Thomas Sowell has column today that is very well sad and I personally know the impact of it. And I have preached at this pulpit before.

https://indyfromaz.wordpress.com/2012/06/19/insurance-101/

In insurance markets, moral hazard occurs when the behavior of the insured party changes in a way that raises costs for the insurer, since the insured party no longer bears the full costs of that behavior. Because individuals no longer bear the cost of medical services, they have an added incentive to ask for pricier and more elaborate medical service—which would otherwise not be necessary. In these instances, individuals have an incentive to over consume, simply because they no longer bear the full cost of medical services.

And does this not sound like ObamaCare to you?? :)

Take it away Mr. Sowell.

Insurance is all about risk. Yet neither insurance companies nor their policy-holders can do anything about one of the biggest risks — namely, interference by politicians, to turn insurance into something other than a device to deal with risk.

By passing laws to force insurance companies to cover things that have nothing to do with risk, politicians force up the cost of insurance.

Annual checkups, for example, are known in advance to take place once a year. Foreseeable events are not a risk. Annual checkups are no cheaper when they are covered by an insurance policy. On the contrary, they are one of many things that are more expensive when they are covered by an insurance policy.

All the paperwork, record-keeping and other things that go with having any medical procedure covered by insurance have to be paid for, in addition to the cost of the medical procedure itself.

If automobile insurance covered the cost of oil changes or the purchase of gasoline, then both oil changes and gasoline would have to cost more, to cover the additional bureaucratic work involved.

In the case of health insurance, however, politicians love to mandate things that insurance must cover, including in some states treatment for baldness, contraceptives and whatever else politicians can think of. Playing Santa Claus costs a politician nothing, but it can cost the policy-holder a bundle — all of which the politician will blame on the “greed” of the insurance company.

(see Adverse Selection).

Insurance companies are regulated by both states and the federal government. This means that, instead of there being one vast nationwide market, where innumerable insurance companies compete with each other from coast to coast, there are 50 fragmented markets with different rules. That adds to the costs and reduces the competition in a given state.

When there are innumerable insurance companies, it is by no means clear that political regulation of them will produce better results than the regulation provided by competition in the market. In a competitive market, insurance companies would cover only those things that their policy-holders are willing to pay to have covered. Policy-holders would have no reason to pay to have insurance cover things that would be cheaper if paid for directly — or not paid for at all, in the case of things that are not a real concern to many people, such as baldness cures.

One of the factors in the number of the “uninsured,” for whom politicians are willing to turn the whole medical care system upside down, is the high cost of insurance that covers far more things than most people would be willing to pay for, if it was up to them. The uninsured who use hospital emergency rooms and don’t pay are a problem only because politicians passed laws forcing hospitals to let themselves be taken advantage of in this way.

Too many political “solutions” are solutions to problems created by previous political “solutions” — and will be followed by new problems created by their current “solutions.” There is no free lunch. In the case of health insurance, there is not even an inexpensive lunch.

Health insurance would be a lot less expensive if it covered only the kinds of risks that can involve heavy costs, such as a major operation or a crippling disability. While such things can be individually very expensive, they don’t happen to everybody, and insurance is one way to spread the risks, so that the protection of a given individual is not prohibitively expensive.

The problem of “pre-existing conditions” is a problem largely because of the way that politicians have written the laws — more specifically, by giving a tax break to employer-provided health insurance. If individuals bought their own health insurance, with the same tax advantages, the fact that an illness occurred after they changed employers would not make it a “pre-existing condition.”

There is no inherent reason for employers to be involved, in the first place. The fact that some guy manufactures furniture or plumbing fixtures in no way qualifies him to understand insurance for his employees. Including him in the loop adds another unnecessary layer of bureaucratic costs.

Political risks are the biggest risks.

So you want to know why your auto insurance is going up “even though I’m a good driver” or your Home insurance is going up “even though my house is worth less”??

Well, it’s very simple. Along with all of what has been discussed there is INFLATION.

http://www.bls.gov/data/inflation_calculator.htm

And the medical costs, repair costs and the lawyer  (you know all those “call me now” lawyer commercials?) costs go up and guess what happens to your premiums. They go up. It’s not personal.

And any real homeowners policy will be based on the replacement cost of the home and not the market value because the market value is a) fickle (just think about 5 years ago) b) includes land and locational factors that have nothing to do with the home.

Example, my home. It’s located with the “noise zone” of Sky Harbor International Airport. Thus my house is technically worth less because you can hear plane noise at a certain level.

If my house burns down do I want the replacement cost based partially on that or do I want it based on the materials to rebuild it?

And if inflation in the cost of those materials cause the premium to go up?

I hope you see the point.

Most people don’t.

Why?

Narcissistic Greed. It’s all about ME! and Insurance should only be about ME.

I don’t want MY policy based on other people.

Which is a fundamentally flawed understanding of the entire concept of insurance in the first place.

And that lack of education is a real problem because it leads people to misunderstand the entire process and the fundamentals underlying the entire concept.

And lets politicians and manipulative Liberals get away with their “solutions” that just cause more problems but make them look good.

And thus, you go for “get rich quick” type schemes by manipulative politicians that actually CAUSE more problems than they solve. But you get the satisfaction of “sticking it” to them. But it’s you that ultimately gets stuck.

Oh, there are ways to bring it down, but reforms to litigation laws and practices (by politicians who are mostly lawyers) is very hard. Lobbyists are very strong in the area. This is their meat and potatoes.

Medical costs are skyrocketing and ObamaCare will just make them worse. Trying to reform that gets you “thrown grandma off the cliff” rhetoric.

So, in the end RHETORIC HAS IT’S CONSEQUENCES.

Consequences in your wallet.

That’s the risk.

Political Cartoons by Glenn Foden

Political Cartoons by Glenn Foden

Political Cartoons by Gary Varvel