United We Fall

A “Healthcare Workers for Obamacare” sign hangs torn in a parking lot in New York on Oct. 31, 2012.  AP

President Obama repeatedly promised that his signature health law, the Affordable Care Act, a.k.a. Obamacare, would reduce insurance premiums by $2,500 for the typical family.

ObamaCare: United Healthcare’s surprise warning that it may scrap participation in federal health care exchanges is more than bad news for consumer choice. It’s a broader sign of an unsustainable system.

The nation’s largest health insurance provider surprised the markets Thursday by saying losses from its 550,000 individual ObamaCare exchange enrollments were sharply cutting its bottom line. That’s notable because ObamaCare exchange participation only forms a small slice of the $105 billion company by market capitalization.

Yet it was enough to make the giant company and all the value it creates throughout its many operations suffer enough to trigger, as IBD market reporter Jed Graham wrote, “a surge of red ink.”

The company forecast $425 million less revenue in the fourth quarter and cut its full-year 2015 earnings-per-share forecast to $6 from $6.25-$6.35.

Not surprisingly, its stock fell 5.6% by the close of trading Thursday, and other health care and hospital companies such as Aetna, Anthem, Tenet, Cigna, Humana and HCA took similar hits.

“We see no data pointing to improvement,” UnitedHealth Group CEO Stephen Helmsley said on a conference call. Patients, he explained, were using their plans more than the company had anticipated and, worse still, were dropping coverage when they got well.

Bad as that is for company profits, it’s a predictable outcome given the structure of the law and what it permits.

What Helmsley described was a company caught up in the classic “death spiral” that IBD and reputable economists have been warning about: Insurance policy sales going in the main to the sickest patients who use the most health care services, while the high prices of the larded-up government-mandated packages continue to drive off younger, healthier consumers.

DOH!  It’s not like it was predictable or anything… 🙂

In short, the ObamaCare master plan of having young and healthy consumers subsidize the oldest, sickest patients isn’t working as the White House’s central planners and self-proclaimed experts claimed.

<<chuckle>>

Not that the ideologically rigid Obama and The Democrats will care. They will continue to hammer on it until you give in to government control of who lives and who dies and the Insurance companies go bankrupt leaving only the government left.

That’s Democrat “compassion” for ya… 🙂

What’s striking here is that UnitedHealth is no tiny startup ship with a narrow margin of error riding the big ObamaCare regulatory waves. It’s the biggest of the big, a conglomerate that’s the product of the consolidation of the industry — Anthem and Cigna, UnitedHealth and HCA, HCA and private investors — that was supposed to enable the sector to absorb the blow of higher costs of insuring more customers and still continue to do well.

That’s not happening.

What’s more, UnitedHealth was in the ObamaCare exchanges for only a year, during a window of time when the government was supposed to cushion insurers against losses in the ObamaCare transition. The cushion ends next year, leaving companies on their own.

(Insert “Jaws” theme music here) 🙂

Will smaller health care companies really be able to make a profit in an atmosphere that even UnitedHealth found impossible to sustain a profit in? There’s plenty of reason to wonder, as the markets did Thursday. (IBD)

“We cannot sustain these losses,” CEO Stephen Hemsley said in an investor call Thursday morning. “We can’t really subsidize a marketplace that doesn’t appear at the moment to be sustaining itself.”

Several nonprofit insurance cooperatives that were supposed to compete for customers on the exchanges have folded. Meanwhile, some big publicly traded insurance companies, including Anthem, Aetna, Cigna and Humana, say they are enrolling fewer people than expected or even losing money.

A recent report by McKinsey & Co. found that the industry lost a total of $2.5 billion, or $163 per customer, in the individual market.

Insurance companies have had trouble attracting healthy customers to the exchanges to purchase their insurance products, many of which have deductibles of thousands of dollars.

The industry’s troubles are reflected in the insurance products being offered on the exchanges during the current enrollment period, reports The Wall Street Journal:

“For these plans, which will take effect in 2016, many insurers have raised premiums in order to cover the medical costs of enrollees, which have run higher than many companies originally projected, fueling this year’s losses. Insurers have also shifted to offering more limited choices of health-care providers”

Still, no other big insurer has signaled its intention to leave the exchanges. (NPR)

YET. But it will come. But don’t worry Obama and The Democrats are from the Government and they are here to help you! 🙂

The average premium for medium-benefit plans offered to 40-year-old non-smokers will rise 10.1% in 2016, according to the Kaiser Family Foundation.

 Political Cartoons by Glenn McCoy

Political Cartoons by Michael Ramirez

 

 

Death Spiral

The Supreme Court decision in King v. Burwell, the case challenging the Obama administration’s decision to award tax credits for health insurance sold through federally established exchanges, could turn on the question of whether a ruling that ends the tax credits on federal exchanges might cause something known as a “death spiral” in health insurance markets.

The good news is the answer is probably no, but the bad news is that’s only because the death spiral has probably already started.

A death spiral generally occurs when insurers are forced to raise premiums sharply to pay promised benefits. Higher premiums cause many of the healthiest policyholders, who already pay far more in premiums than they receive in benefits, to drop coverage.

When healthy policyholders drop coverage, it leaves the insurer with little choice but to raise premiums again because they now have a risk pool that is less healthy than before. But another premium increase means many of the healthy people who remained now drop their policies, too, and this continues until the only people willing to pay the now-very-high premiums are those with serious medical conditions.

The death spiral isn’t just a theory. Eight states learned this the hard way in the 1990s when they enacted two policies known as “community rating” and “guaranteed issue,” requiring health insurers to sell coverage to anyone who wanted it at the same price.

This quickly set off a death spiral because people knew they could wait until they were sick or injured to buy insurance, and premiums rose sky-high as healthy people exited the individual insurance market while the sick remained.

 

New Jersey enacted both community rating and guaranteed issue in 1992. By 2003, the lowest monthly premium for a family policy in the state was $3,810 and nearly 40 percent of the people in the individual market had dropped their coverage.

Obamacare includes both community rating and guaranteed issue. The hope of the politicians who passed Obamacare was the individual mandate would keep the relatively healthy from dropping insurance coverage, thereby avoiding a death spiral.

They hoped to FORCE people to pay by government cudgel to avoid the inevitable. Remove the choice to cause the death spiral and subsidize the hell out of it (literally and figuratively). Sounds like an Agenda rather a “good” thing, doesn’t it? 🙂

During oral arguments in King, Justices Anthony Kennedy and Ruth Bader Ginsburg expressed concerns that not allowing subsidies in the 37 states using the federally established exchange would set off a death spiral in those states. Their fear was that while subsidies would no longer be available, and there would effectively be no individual mandate, community rating and guaranteed issue would remain.

Many commentators saw Justice Kennedy’s comments as a signal he isn’t willing to stop subsidies on federal exchanges, either because of the serious consequences of doing so or because surely Congress could not have intended to put states in the position of choosing between creating an Obamacare exchange or seeing health insurance markets destroyed.

What Justice Kennedy and many others may not understand, however, is the death spiral is probably already underway in all 50 states, regardless of how the Supreme Court rules in this case.

According to the Manhattan Institute, premiums climbed by 41 percent on average from 2013 to 2014, and premiums are likely to rise sharply again after two insurance company bailout programs included in Obamacare expire in 2017.

The other sign health insurance markets are in the early stages of a death spiral is the age mix of those buying policies through Obamacare. Originally it was estimated that around 40 percent of enrollees had to be in the relatively healthy 18 to 34-year-old age segment, so their premiums could be used to pay for the health expenses of older, less-healthy enrollees. So far it appears only some 28 percent of enrollees are in that coveted age group, which also comprises around half of the uninsured.

All of this means insurers are getting a risk pool that is less healthy than expected, and more premium hikes are around the corner. While subsidies hide some from the full impact, others in the middle class will not be shielded.

It will undoubtedly take a few years to know for sure, but for anybody concerned about setting off a death spiral or thinking Congress surely didn’t intend to do so, don’t worry. It looks like it’s already here, whether Congress intended it or not.

Political Cartoons by Chip Bok
Political Cartoons by Lisa Benson
But enough about President Obama.
Political Cartoons by Nate Beeler

The Mauling

delayMr “red line in the sand” has done it again.

That deadline to sign up for ObamaCare or else the IRS Stasi was going to start visiting  you next year after you voted the Democrats back into power has slipped it’s ropes again.

Like a vicious dog that kept being tied up with butcher’s twine it has escaped again after it has mauled more people with policy cancellations and extreme premiums. I’m sure only to be captured, corralled, and given psychotherapy.

Think I’m kidding?

PHOENIX (AP) Municipal Court Judge Deborah Griffin ruled Tuesday that the dog named Mickey must be neutered, defanged and microchipped. She declared the dog vicious earlier in the day and could have ordered euthanasia.

The Feb. 20 attack left 4-year-old Kevin Vicente with a broken eye socket and jaw. An adult who was at the scene asked that the dog be euthanized.

Thousands of animal lovers took to social media to support Mickey, placing blame with the dog’s owners and child’s baby sitter. Supporters wore T-shirts to court that bore a paw print and said “Save Mickey.”

An animal advocate in court started to cry when hearing the dog would live.

Mind you Mickey will be sent to a doggy rehab facility (if the “trustees” can find one) but it will never leave because you can’t trust it to not maul again.

Just like Obamacare

The dog will remain in it’s county club prison for eternity. And we’ll be stuck in ObamaCare hell and sent to our eternity by government Death Panels and financial ruin.

After all the 4-Year old tried to take the bone away from the dog. Much like trying to get ObamaCare away from Democrats. They’ll snarl, growl, claw, and then attack and maul you.

Then blame you for it. It WAS your fault.

Senate Majority Leader Harry Reid (D., Nev.) said the fault of struggling to sign up on the Obamacare exchanges didn’t lie with the faulty website, but with the people who weren’t “educated on how to use the Internet.”

So it your own dam fault. You’re just too stupid! and we all know you’re a bunch of Liars too! 🙂

I guess The “Beware of Dog” sign and the open gate was analogous to “You have to pass it before you can find out what’s in it.

Animal advocates hit back, saying both the dog and boy are victims and the baby sitter watching the child was negligent in letting him play near the animal. They also argued the owner was fostering aggression by keeping the dog chained up.

“We were not here to put a dog above Kevin,” Lee said. “We were just here to make sure justice was served.”

Social Justice anyone? 🙂

The mauled 4-year’s mother  (like insurance policyholders) I’m sure is very happy that the dog will live to maul again! That’s Justice.

The Mauled 4 year old will be scared for life, much like the Health Care system in this country.

But at least the ObamaCare Dog Lives!

“This is not Kevin versus Mickey,” attorney John Schill, one of three attorneys representing the dog, has said. “Having Mickey killed is not going to take away Kevin’s pain or injuries. The only thing this is going to do is kill a poor, innocent dog.”

The DOG has an Attorney! How’s he going to pay this schister, in Doggy Biscuits?? Maybe the Lawyer should take the “innocent” dog home to his kids, much Like Congress should be subject to ObamaCare. 🙂

Look how fast Congress got rid of that, and gave all it’s closest friends waivers and now keeps putting off the mandates they created because it might inflict too much pain on it’s victims and they may maul the Democrats in November.

We can’t have that now can we…:)

P.s wanna know how hard core the Dog’s Lawyer is?

It’s called the Lexus Project and in their “About us” tab is this quote:

First they came for the Jews and I did not
speak out – because I was not a Jew.
Then they came for the communists and I did not
speak out – because I was not a communist.
Then they came for the trade unionists and I did not
speak out – because I was not a trade unionist.
Then they came for me and by then there was
no one left to speak out for me.
(Martin Niemöller)

And it’s about a Dog. “because all dogs deserve a voice and a chance to live and be loved and cared for.”

Even if they maul you, you should just love them and they will love you back.

Until they maul you again, that is…

Just Like ObamaCare. 🙂

Consider it your “Shared Responsibility Payment”. 🙂

Or was that Vladimir Putin…or Mahmoud Ahmadinejad…. It’s gets so confusing…. 🙂

Political Cartoons by Chip Bok

Political Cartoons by Steve Kelley

 

 

Hardship Discharge

“It’s now been redefined,” Charles Krauthammer continued, “so that all you have to do is to claim that going into the exchange would create a hardship. I mean, it’s ironic. It makes Obamacare itself the hardship — which is slightly ironic, but I think she <Sebelius> is beyond the reach of irony so she didn’t quite see it.”

Hardship exemptions

If you have any of the circumstances below that affect your ability to purchase health insurance coverage, you may qualify for a “hardship” exemption:

  1. You were homeless.
  2. You were evicted in the past 6 months or were facing eviction or foreclosure.
  3. You received a shut-off notice from a utility company.
  4. You recently experienced domestic violence.
  5. You recently experienced the death of a close family member.
  6. You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
  7. You filed for bankruptcy in the last 6 months.
  8. You had medical expenses you couldn’t pay in the last 24 months.
  9. You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
  10. You expect to claim a child as a tax dependent who’s been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child.
  11. As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace.
  12. You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid under the Affordable Care Act.
  13. Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable.
  14. You experienced another hardship in obtaining health insurance. (healthcare.gov)

Which is all well and good, but remember, the “shared responsibility payment” was one of the major FUNDING vehicles for this onerous mess so if have a run away program with no funding mechanism then you have a gigantic mess.

And then one has to ask why did you do it in the first place?

THE AGENDA IS THE AGENDA.

Suckers! 🙂

“The door’s wide open,” economist Doug Holtz-Eakin, who leads the conservative-leaning American Action Forum, told Fox News. “[The] mandate which they said was absolutely crucial to ObamaCare is falling apart day by day.” 

The most recent exemption was included in an ObamaCare application document. There already had been 13 distinct exemptions, but this document added one more — apparently it was added in late December. 

The document said that individuals can now qualify for a “hardship exemption” — meaning they would not have to pay a penalty for not buying insurance — if they “experienced another hardship in obtaining health insurance.” 

The document does not define what “another hardship” means, and suggests the administration might not be a stickler when it comes to proof either. It says anyone seeking this exemption should “submit documentation if possible.” 

Of all the exemptions created so far, this category appears to be the broadest. Prior exemptions were created for people who are homeless, who filed for bankruptcy, who experienced a fire and who dealt with other financial emergencies. Already, the 13 exemptions previously on the books could apply to millions. Another created in December would give a pass this year to many of those whose policies were canceled due to ObamaCare and who struggled to find an affordable option — last week, the administration quietly extended that waiver through 2016. 

All along, the administration has rejected congressional attempts to officially delay the individual mandate in its entirety. The White House even threatened to veto one such bill. 

But the 14 exemptions now on the books raise the question of whether the mandate has been pushed off in all but name. 

“There’s a real question as to whether the White House just abandoned the individual mandate,” Boehner said Thursday. “It just seems they are hoping no one will notice.”

They still want there agenda, because they need more time to figure out how to screw you without you squealing so much and spurting so much blood on the table as they cut you into pieces.

As a consequence, he said, there could be “chaos” in the insurance market. Insurance companies, in exchange for taking on older and sicker patients as part of the Affordable Care Act, were counting on millions of young and healthy Americans signing on. The individual mandate — and the penalty that comes with it — was supposed to compel people who might not otherwise buy insurance to enter the system. 

Now that the mandate is being softened, it’s unclear whether insurance companies will have enough of those new customers to keep premiums down for everyone else. (FOX)

They didn’t already, so this will just make it even worse.

Adverse selection is now officially off the table. 🙂

So does “If you wanna keep your exemption…” start?? 🙂

Congrats, Mr. President!!

Not that he will take the blame for it or that anyone in the liberal media will assign it to him, mind you. They just hope you still vote for them, because the other guy is a much bigger asshole than they are and they will be glad to tell you all about that. 🙂

They are Homo Superior Liberalis, and you’re not!

Freedom Delayed is Freedom to Vote for Democrats and to still pay for the insurance even if you can’t afford it…

And we’ll get new hidden taxes in their to make up for our crap shoot. And when those fail, we’ll go for the more overt taxes and bailouts because we are never wrong!

So Vote for us, the other guy is still a bigger asshole! 🙂

http://dailycaller.com/2014/03/12/krauthammer-obamacare-hardship-exemption-essentially-cancels-individual-mandate-video/

 

 

Pay Me Now or Pay Me Later

Michael Ramirez Cartoon

knows nothing

Like a retailer trying to move holiday merchandise after demand undershot projections, the Obama administration on Thursday announced a late-season ObamaCare sale.

But this sale will be only for the select clientele who complained the loudest — those who had their insurance plans canceled.

Department of Health and Human Services Secretary Kathleen Sebelius announced that this group will be granted a hardship exemption, freeing them from the individual mandate in 2014 and making them eligible to buy catastrophic coverage.

Although the government has made many administrative changes to the law and its regulatory framework to smooth its rollout and limit political fallout, this move to cut prices was altogether different.

Up until now, the problems had to do with technological hurdles or changes to policies that didn’t comply with ObamaCare. But this fix is about trying to make the Affordable Care Act more affordable and less punitive. Yet the temporary nature and limited scope of the changes raise the obvious question of how well the law will work in 2015 and beyond.

A Catastrophic Fix

Another key difference with this fix: Before, insurers were asked to accommodate rule changes that might negatively impact their business; this time they don’t have a choice.

The industry warned that the latest change could be destabilizing. The administration has already acted once to widen the financial backstop for insurers and may be asked to do so again.

Up until now, catastrophic coverage has been limited to 18- to 29-year-olds — the “young invincibles” — and those unable to buy the next-lowest-cost bronze coverage for 8% of income.

That 8%-of-income level is a key ObamaCare threshold: If the cheapest bronze plan available costs more, then the individual mandate tax penalty won’t apply.

Letting people who had plans canceled buy catastrophic coverage could provide them a significant financial benefit, especially those who earn too much to qualify for exchange subsidies.

Across the 36 states with exchanges operated by the federal government, the cheapest catastrophic or minimum coverage costs an average of 26% less than the least-expensive bronze plan. The reason for the wide differential isn’t primarily that catastrophic coverage is less comprehensive. In fact, ObamaCare catastrophic policies are fairly comparable. Unlike bronze plans, they actually cover three primary-care visits before the large ($6,350) deductible is exhausted.

The Y

Now this latest HHS fix could significantly alter the makeup of the catastrophic pool.

Older Americans who aren’t eligible for subsidies could save a lot vs. bronze plans. Still, it’s unclear how many additional people will opt for catastrophic coverage due to this hardship exemption for canceled plans.

The administration’s announcement came just days before the Dec. 23 cutoff for people who want to have coverage on Jan. 1. In addition, information about catastrophic coverage costs is only given to people 30 and over once they get a hardship exemption.

Yet it is possible that the exemption could set off a chaotic return season. People with canc eled policies who already picked a comprehensive bronze, silver or gold plan could swap it for catastrophic coverage, NBC reported.

The Obama administration made the change after requests from a group of politically imperiled Democratic senators.

Yet, having granted the exemption, the administration is likely to come under pressure to offer the same individual mandate waiver to people who have been uninsured.

Young And Low Risk

The main reason for the lower premiums is that the catastrophic risk pool is separate from ObamaCare’s main pool. Insurers were told to price catastrophic policies based on the demographics and health of the expected population.

Now this latest HHS fix could significantly alter the makeup of the catastrophic pool.

Older Americans who aren’t eligible for subsidies could save a lot vs. bronze plans. Still, it’s unclear how many additional people will opt for catastrophic coverage due to this hardship exemption for canceled plans.

The administration’s announcement came just days before the Dec. 23 cutoff for people who want to have coverage on Jan. 1. In addition, information about catastrophic coverage costs is only given to people 30 and over once they get a hardship exemption.

Yet it is possible that the exemption could set off a chaotic return season. People with canc eled policies who already picked a comprehensive bronze, silver or gold plan could swap it for catastrophic coverage, NBC reported.

The Obama administration made the change after requests from a group of politically imperiled Democratic senators.

Yet, having granted the exemption, the administration is likely to come under pressure to offer the same individual mandate waiver to people who have been uninsured. (IBD)

Is it a going out of business sale? Nope. Not that lucky.

Most likely it will be a short sale that will result in you having to buy later.

Or as Fram said in the 1981: Pay me Now  or Pay Me Later

Sound like an ObamaCare pitch?? 🙂

But this is government, so it will be forced to buy later, just not now because it’s politically too hot but like all things Liberal, you’re going to love it eventually because you’ll have non choice but to love it. 🙂

Political Cartoons by Lisa Benson

The King’s Benefience

Political Cartoons by Michael Ramirez

It seems Nancy Pelosi was wrong when she said “we have to pass” ObamaCare to “find out what’s in it.” No one may ever know because the White House keeps treating the Affordable Care Act’s text as a mere suggestion subject to day-to-day revision. Its latest political retrofit is the most brazen: President Obama is partly suspending the individual mandate.

The White House argued at the Supreme Court that the insurance-purchase mandate was not only constitutional but essential to the law’s success, while refusing Republican demands to delay or repeal it. But late on Thursday, with only four days to go before the December enrollment deadline, the Health and Human Services Department decreed that millions of Americans are suddenly exempt.

Individuals whose health plans were canceled will now automatically qualify for a “hardship exemption” from the mandate. If they can’t or don’t sign up for a new plan, they don’t have to pay the tax. They can also get a special category of ObamaCare insurance designed for people under age 30.

***

So merry Christmas. If ObamaCare’s benefit and income redistribution requirements made your old, cheaper, better health plan illegal, you now have the option of going without coverage without the government taking your money as punishment. You can also claim the tautological consolation of an ObamaCare hardship exemption due to ObamaCare itself.

Isn’t the King just so magnanimous! He’s the greatest…He Cares… ah shucks! 🙂

These exemptions were supposed to go only to the truly destitute such as the homeless, bankrupts or victims of domestic violence.

That Comes Later! 🙂

But this week a group of six endangered Senate Democrats importuned HHS Secretary Kathleen Sebelius to “clarify” that the victims of ObamaCare also qualify. An excerpt from their Wednesday letter, whose signatories include New Hampshire’s Jeanne Shaheen and Virginia’s Mark Warner, is nearby.

So they felt threatened and did the only thing a politician understands, bribe! kiss a millenial baby! and move on…

SO IF YOU LIKED YOUR HEALTH PLAN BUT COULDN’T KEEP IT, NOW AT LEAST THE GOVERNMENT WON”T COME AFTER YOU FOR IT!! (For Now).

ISN’T THAT GREAT!!! HE’S SO WONDERFUL!!!! IT MAKES ME WANT TO VOTE FOR A DEMOCRAT! 🙂

HHS and the Senators must have coordinated in advance because literally overnight HHS rushed out a bulletin noting that exemptions are available to those who “experienced financial or domestic circumstances, including an unexpected natural or human-caused event, such that he or she had a significant, unexpected increase in essential expenses that prevented him or her from obtaining coverage under a qualified health plan.” A tornado destroys the neighborhood or ObamaCare blows up the individual insurance market, what’s the difference?

The HHS ruling is that ObamaCare is precisely such a “significant, unexpected increase.” In other words, it is an admission that rate shock is real and the mandates drive up costs well into hardship territory. HHS is agreeing with the Senators that exemptions should cover “an individual whose 2013 plan was canceled and considers their new premium unaffordable.” In her reply letter, Mrs. Sebelius also observes that some people “are having difficulty finding an acceptable replacement.” She means the new plans are overpriced.

The under-30 ObamaCare category that is being opened to everyone is called “catastrophic” coverage. These plans are still more expensive than those sold on the former market but they’re about 20% cheaper on average than normal exchange plans because fewer mandates apply and they’re priced for a healthier, younger risk pool. Liberal Democrats hated making even this concession when they wrote the law, so people who pick catastrophic plans don’t get subsidies.

What an incredible political turnabout. Mr. Obama and HHS used to insist that the new plans are better and less expensive after subsidies than the old “substandard” insurance. Now they’re conceding that at least some people should be free to choose less costly plans if they prefer—or no plan—and ObamaCare’s all-you-can-eat benefits rules aren’t necessary for quality health coverage after all.

But the White House is shredding ObamaCare’s economics on its own terms. Premiums for catastrophic products are based on the assumption that enrollees would be under 30. A 55-year-old will now get a steep discount on care courtesy of the insurer’s balance sheet, while other risk-tiers on the exchanges will have even fewer customers to make the actuarial math work.

Pulling the thread of the individual mandate also means that the whole scheme could unravel. Waiving ObamaCare rules for some citizens and continuing to squeeze the individual economic liberties of others by forcing them to buy what the White House now concedes is an unaffordable product is untenable. Mr. Obama is inviting a blanket hardship amnesty for everyone, which is what Republicans should demand.

The new political risk that the rules are liable to change at any moment will also be cycled into 2015 premiums. Expect another price spike late next summer. With ObamaCare looking like a loss-making book of business, a public declaration of penance by the insurance industry for helping to sell ObamaCare is long overdue.

The only political explanation for relaxing enforcement of the individual mandate—even at the risk of destabilizing ObamaCare in the long term—is that the White House is panicked that the whole entitlement is endangered. The insurance terminations and rollout fiasco could leave more people uninsured in 2014 than in 2013. ObamaCare’s unpopularity with the public could cost Democrats the Senate in 2014, and a GOP Congress in 2015 could compel the White House to reopen the law and make major changes.

Republicans ought to prepare for that eventuality with insurance reforms beyond the “repeal” slogan, but they can also take some vindication in Thursday’s reversal. Mr. Obama’s actions are as damning about ObamaCare as anything Senator Ted Cruz has said, and they implicitly confirm that the law is quarter-baked and harmful. Mr. Obama is doing through executive fiat what Republicans shut down the government to get him to do.

***

The President declared at his Friday press conference that the exemptions “don’t go to the core of the law,” but in fact they belong to his larger pattern of suspending the law on his own administrative whim. Earlier this month he ordered insurers to backdate policies to compensate for the federal exchange meltdown, and before that HHS declared that it would not enforce for a year the mandates responsible for policy cancellations. Mr. Obama’s team has also by fiat abandoned the small-business exchanges, delayed the employer mandate and scaled back income verification.

“The basic structure of that law is working, despite all the problems,” Mr. Obama added. His make-it-up-as-he-goes improvisation will continue, because the law is failing. (WSJ)

But since Liberals never fail (just as them) and they are the superior life form and all their laws are superior only they know how to do it right after all. So don’t question their methods and their “failures” because they have a bigger picture in mind.

Aka, saving their mess by dragging it out until you can’t live without it and then you’re stuck with their mess whether you like it or not.

So he will endless tinker with it until you are satisfied and suitably willing to do everything he wants, when he wants, and because he wants it.

“The healthcare website problems were a source of great frustration,” he conceded. “On the other hand, since that time I now have a couple million people who are going to have health care on January 1. And that is a big deal. That is why I ran for that office.”

Clear? 🙂

Political Cartoons by Chip Bok

Political Cartoons by Michael Ramirez
 Political Cartoons by Bob Gorrell
Political Cartoons by Nate Beeler

 

Take Your Medicine, America…

It’s A Penalty and Not a TAX!

But first a little capitalist greed…

Anything for a Buck (gee, I though that was just capitalists):

“Keep cool while you’re canvassing this summer,” the Obama campaign tweeted Saturday evening. The message contained a link to a $30 Obama tank top. “Our Vote Obama Tank Top is a stylish and fun way to show your support,” the campaign says.

The campaign was pushing the tank tops as record heat combined with a loss of power following storms to create a humanitarian emergency in several states. (Washington Examiner)

Gee, I thought taking advantage of people’s misfortunes for a buck was a an evil capitalist White Republican thing to do! 🙂

President Obama warned top donors that he believes Republicans can take Congress and the White House this year and criticized the media for “hyperventilat[ing]” about Mitt Romney raising more money than his campaign in May.

Yeah, you’re job is to hyperventilate about how great I am and how evil they are. Don’t get caught in the horse race when you’re already biased for this horse!

“[T]he media hear these numbers and hyperventilate over it, and there’s a tendency to blow them out of proportion. But it does make the process more transparent. We see where we stand. And right now on a month-to-month basis, we’ve fallen behind.” (WE)

And god knows, the He and Democrats promised to be “the most transparent administration ever” 🙂

So to make up for it, he has George Clooney doing events for him…IN SWITZERLAND!!

Talk about “outside money”…

***************
Stephen Moore, Senior Economics Writer with the Wall Street Journal, told FOX and Friends this morning that nearly 75% of Obamacare costs will fall on the backs of those Americans making less than $120,000 a year.

“It’s a big punch in the stomach to middle class families.”

Obamacare: It’s not just a big f***ing deal (to quote VP Biden) It’s a big f***ing tax.

California Democratic Rep. Maxine Waters praised the court’s ruling but told The Daily Caller that she personally has “not decided” whether or not to call the mandate a tax.

The former Speaker is saying ObamaCare is a penalty, not a tax, that is enforced by the tax code…or something.

David Gregory: Is it a tax?

Pelosi: No no, no no.

Is this what Pelosi meant by “passing the bill to see what’s in it?” The Supreme Court saw what was in ObamaCare, ruled it a tax, and she, along with top White House officials, are saying it’s a tax. It is very clear the Democrats have their talking points together.

Despite the fact that the Supreme Court upheld it BECAUSE it was a TAX. 🙂

And yet, DNC Chairwoman Debbie Wasserman Schultz is accusing Republicans of being deceptive about the “Affordable Care Act.”

“When it came to championing the health care legislation, President Obama made sure that al though everybody — the vast majority of Americans have health insurance coverage, we want to make sure that if you’re a free rider, if you roll the dice and get sick and use the emergency room as your primary access point for health care. Those health care costs are going to get shifted to all of us. And if you choose not to carry health insurance, this legislation says you’re going to pay a small penalty so that we don’t have to pay for you rolling the dice,” DNC chair and Congresswoman Debbie Wasserman Schultz (D-Fla.) said on MSNBC today.

And the costs STILL Get shift and because of the law says that a pre-existing condition (like not having insurance) cannot be denied the premiums will go up anyhow and that person will still buy insurance, be treated, then drop it because it’s too expensive. Solving nothing but a 90 year old wet dream of liberals.

“That’s what the health care reform law says and the Republicans are engaging in deception if they say anything else,” she said.

Deputy Campaign Manager Stephanie Cutter To The Blaze’s Will Cain:

“Well, let’s break that down for a second,” Cutter responded. “What John Roberts said is that we have the power to impose this penalty on people through the taxation clause. It’s a penalty. Let’s talk about who this impacts. Most people have private insurance. I’m assuming everyone at this table has private insurance, so it doesn’t apply to us.”

“So you said, it’s a penalty?” Cain asked.

“It’s a penalty.”

“But yesterday we learned it was a tax.” (The Blaze)

“It’s a penalty. That, if you choose not to get healthcare, and you’re imposing a hidden tax on all of us because we pay for your healthcare, then you’ll pay a penalty.”

HUH?

If you can’t dazzle them with intelligence baffle them with Bullsh*t!

Boy the Democrats have a lot of squirming and spinning to do on this one.

Watch this liberal say EXACTLY what he complains just seconds later that he  didn’t say when it’s pointed out to him.

http://townhall.com/video/katie-pavlich-takes-on-nyt-columnist-#

Boy this is going to be Orwellian Doublespeak overload on the Tax that is a Penalty that has been declared a Tax but is still only a Penalty by a TAX collection agency and assessed on your TAX refund. 🙂

It’s a penalty. It’s a penalty. It’s a penalty. This is what White House officials are arguing despite Thursday’s Supreme Court ruling on ObamaCare classifying the healthcare legislation as….a tax.

Today, White House Chief of Staff Jack Lew argued the same thing. Remember, ObamaCare was “sold” or shoved down the throats of the American people as a penalty to avoid the Obama administration looking like President Obama was raising taxes on everyone.

The White House insisted Sunday the consequence for Americans not having health insurance is a penalty fee, despite the Supreme Court ruling that it is a tax and said the debate on the Affordable Care Act should finally end.

White House Chief of Staff Jack Lew said on Fox News Sunday that “when the Supreme Court rules” the country “has a final decision” and that the presidential campaigns should focus on the economy and jobs.

“What we need to do is go forward with the implementation” of the law, Lew said.

So stop talking about the TAX…I mean penalty! let’s focus on the Economy that I’ve f*cked up!! 🙂

Watch the Spin and the Talking Points:

CBO also estimated the income levels of those 3.9 million uninsured who will pay higher taxes.  More than 3/4 of them are not rich.

Income relative to
federal poverty line
# of people
paying tax 
Income range
(single)
Income range
(family of 4)
Below poverty 400,000 $0 – 11,800 $0 – 24,000
100% to 200% 600,000 $11,800 – 23,600 $24K – $48K
200% to 300% 800,000 $23,600 – 35,400 $48K – $72K
300% – 400% 700,000 $35,400 – 47,200 $72K – $96K
400% – 500% 500,000 $47,200 – 59,000 $96K – $120K
> 500% 900,000 > $59,000 >$120K
Total 3,900,000    

 

Reading the first line of this table, CBO says that under this law in 2016 there will be 400,000 people below the poverty line who will be uninsured and pay the tax. (More will be required to do so — this is the number who will comply with the law.) Singles in that income range will have annual income less than $11,800, and families of four in that range will have annual income less than $24,000.  These are 400,000 poor uninsured people who will be forced to pay higher taxes.

And remember, The CBO was a darling of the Left during the ObamaCare debate.

But it’s still a penalty not a tax!

They think If they just lie about it often enough then they can change the reality.

Problem is, the ruling is in black and white and it’s a TAX! 🙂

And then there’s the Waivers, remember them?

When added together, the healthcare waivers excuse about 4 million people, or about 3 percent of the population, from having to participate, HHS said.

However, what’s slightly unsettling is the fact that the majority of the waivers were handed out to labor unions.

labor unions representing 543,812 workers received waivers from President Barack Obama‘s signature legislation since June 17, 2011.

By contrast, private employers with a total of 69,813 employees, many of whom work for small businesses, were granted waivers. (DC)

There were 1700+ total.

http://cciio.cms.gov/resources/files/approved_applications_for_waiver.html

Be these are not “freeloaders”. 🙂

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Political Cartoons by Jerry Holbert