Choice, Liberal Style

Just in case you had any doubts:

Reid said he thinks the country has to “work our way past” insurance-based health care during a Friday night appearance on Vegas PBS’ program “Nevada Week in Review.”

“What we’ve done with Obamacare is have a step in the right direction, but we’re far from having something that’s going to work forever,” Reid said.

When then asked by panelist Steve Sebelius whether he meant ultimately the country would have to have a health care system that abandoned insurance as the means of accessing it, Reid said: “Yes, yes. Absolutely, yes.” (LV Sun)

Major health insurance companies–Blue Cross, Aetna, United, Humana–have decided not to participate in various states in the Obamacare health-insurance exchanges that will be the only place Americans will be able to buy a health insurance plan using the federal subsidies authorized under the Obamacare law.
In Connecticut you had 6 choices. Now you’ll have 3.
That’s your “expanded” choice, Liberal Style.
 
Mind you, when I started this blog nearly years ago I came to the conclusion that this all ultimately led to driving the Insurance Companies out of business so you only had Mama Government to depend on anyhow.
That’s the Liberal definition of Choice. You choose what they want you to choose.
Nothing else. They know best.

If You Like Your Doctor,’ Hope Your Insurer Is Participating in the Exchange

“No matter how we reform health care, we will keep this promise: If you like your doctor, you will be able to keep your doctor, period,” Obama said on June 15, 2009.

“If you like your health care plan, you will be able to keep your health care plan. Period,” he said.  “No one will take it away. No matter what.”

That promise, however, has been revised by the Department of Health and Human Services (HHS), which now says, “you may be able to keep your current doctor” in the health insurance marketplace.

“Most health insurance plans offered in the Marketplace have networks of hospitals, doctors, specialists, pharmacies, and other health care providers,”HHS said on its website for the health reform law.  “Networks include health care providers that the plan contracts with to take care of the plan’s members.”

“Depending on the type of policy you buy, care may be covered only when you get it from a network provider,” they said. (CNS)

DON’T MAKE TOO MUCH NOW, YA HEAR…

Millions of families could be facing a bizarre situation: If they earn one extra dollar a year, their insurance costs will climb by thousands. It’s just one of the many perverse outcomes ObamaCare will create.

Whenever the topic of ObamaCare costs comes up — something that is occurring with increasing frequency as insurance companies start to announce sky-high ObamaCare rates for next year — backers boast about subsidies.

Who cares if premiums are high, they say, since many will get subsidies through an ObamaCare exchange. (TAXPAYER FUNDED OF COURSE!) But what ObamaCare groupies fail to consider is that these subsidies phase out, and do so in a way that will be extraordinarily punishing for many families.

As Terence Jeffrey explained on CNSNews.com, a middle-class family earning just one more dollar could, because of the way the subsidies are structured, end up paying thousands of dollars more for health insurance.

Jeffrey discovered this when he plugged sample income data into the Kaiser Family Foundation’s “Subsidy Calculator.”

http://kff.org/interactive/subsidy-calculator/

A 56-year-old couple with two kids and $110,280 income would be right at the limit for ObamaCare subsidies, according to that calculator. (Subsidies phase out on incomes over 400% of poverty.) Even so, if they bought a $19,832 “Silver” plan through an ObamaCare exchange, they’d get $9,355 in premium subsidies.

But if their income were to climb to $110,281, their subsidy would drop to zero.

It’s even worse than that. ObamaCare also subsidizes out-of-pocket costs for lower-income families who buy Silver plans. And these, too, go away as income climbs.

A Commonwealth Fund report shows what this will mean to a family at the edge of the ObamaCare cliff. Once it goes over the income limit, its out-of-pocket maximum jumps from $8,066 to $12,100.

In other words, a family that has big medical bills and gets a tiny raise could suddenly face more than $13,000 in additional premiums and out-of-pocket expenses.

There are mini-cliffs along the way, too, as the premium and out-of-pocket subsidies step down at various incomes.

Let’s say a family making $55,125 buys a $9,000 plan in an ObamaCare exchange. If its income climbs to $55,126, the premiums shoot up $1,800 and the out-of-pocket maximum jumps $2,000, according to a separate analysis by the American Cancer Society.

As a result, ObamaCare will create a huge incentive for millions of families either to hide income, earn it underground, or turn down a raise in order to avoid getting hit with these huge leaps in insurance costs.

But at least they won’t be “rich” assholes.

Oh, and many of them won’t have to worry about the cliffs of doom because they’ll be working part-time because their boss can afford them otherwise.

Utopia.

And this is only the first step to a much better Complete Government Control.

Rejoice.

This is on top of the many other unfortunate economic incentives ObamaCare will create.

Employers who want to avoid or minimize the massive cost of the employer mandate, for example, will do well to cut part-time hours to below 30 a week, since ObamaCare considers 30 hours full-time work. Many are already taking this step.

Companies also have an incentive to keep their full-time workforce below 50 people, since going over that exposes them to the employer mandate and potentially hundreds of thousands of dollars in new costs.

And as the Ethics and Public Policy Center’s James Capretta explains, ObamaCare will encourage employers to avoid hiring low-income families. Why? Companies pay a penalty only if a worker gets subsidized coverage in an ObamaCare exchange. Since wealthier families don’t get subsidies, the company won’t face any fines.

As a result, ObamaCare will end up hurting the very middle class families it was supposed to help.

Surprise! Surprise! Surprise!  A Liberal “feel good” policies goes bad. Never saw that coming. I know they don’t. And I also know, they don’t care.

Anyone who thinks this all can be fixed with more tinkering to the law is missing the point. Whenever the government gets involved in a marketplace, it creates distortions that ripple across the economy. And these distortions almost always end up making the country less productive, less efficient and less prosperous.

The only way to avoid the perverse incentives that ObamaCare will create is to get rid of the law entirely.

But it’s the Holy Grail of The Left. Imagine the power of life and death at your command….

The Doctor: Davros, if you had created a virus in your laboratory, something contagious and infectious that killed on contact, a virus that would destroy all other forms of life, would you allow its use?
Davros: It is an interesting conjecture.
The Doctor : Would you do it?
Davros: The only living thing, a microscopic organism reigning supreme… A fascinating idea.
The Doctor : But would you do it?
Davros: Yes… Yes…
[raises hand as if holding the metaphorical capsule between thumb and forefingers]
Davros: To hold in my hand a capsule that contains such power, to know that life and death on such a scale was my choice… To know that the tiny pressure of my thumb, enough to break the glass, would end everything… Yes, I would do it! That power would set me up above the gods! AND THROUGH THE DALEKS, I SHALL HAVE THAT POWER!

Now just substitute Harry Reid for Davros and ObamaCare for Daleks….

Enjoy. 🙂