For an example of just how this sleight of hand works, let us look at ObamaCare. If we can believe the government’s numbers, there are an estimated 60 million Americans without healthcare insurance. The people who make up this group do so for several reasons, but it usually boils down to the same thing: the cost of coverage. Some folks do not make enough money to purchase it, while others have pre-existing health conditions that drive the monthly premiums prohibitively higher. These are people who want coverage but just cannot afford it, but they certainly do not make up the entire 60 million people identified by the government.
No, there is another group included in that 60 million and they have a different attitude. For them, it is really not about the cost but more about their priorities. In other words, they have the means to purchase healthcare insurance but they are not willing to spend their money in that fashion. Healthcare insurance is not a priority with them, although you can bet they have their big flat-screen televisions, the latest smart-phone, a video gaming system, laptop, etc. These people are not saving any money, nor have they planned for their eventual retirement. They are “living in the moment,” so to speak, and they are living a life of comfort and convenience without a thought about tomorrow. When it comes to healthcare, I suppose we could just say that they are gambling.
“So, Mr. Brown, you are saying that the poverty-stricken and those without financial discipline are the ones that ObamaCare is intended to help?” In a word, NO! I am not saying that at all. That is what you, the reader, perceived based on the foregoing. From my perspective, ObamaCare was never designed or implemented to actually help anyone, it merely masquerades as helping in order to do what this administration wanted from the start—destroy choice of insurance coverage and provider and reconfigure the healthcare insurance industry as a single-provider, government-run, nationalized program. Make no mistake: it was purposely designed to be bad and it most certainly is.
Let us think about it in this fashion: The sixty million people without health insurance represents about 19% of the U.S. population. Are you going to totally dismantle the insurance and medical industries for the impact it will have on only 19% of the population? That’s a pretty small “bang for the buck.” Think about this as well: Even the government now admits that only about one-half of those in need will receive coverage under ObamaCare—a net of actually about 10% of the population. Essentially, when all is said and done, the remaining 81% of the population is not going to have anything that is any better than what they already have. In fact, thanks to ObamaCare, that 81% will probably be worse off than before, but you are not supposed to be paying attention to that if you are a compassionate American who wants healthcare for everyone.
Let’s say you belong to a club that has one thousand members who pay $2,000 each per year in annual dues. Recently, the directors of your club voted to raise membership dues because of the rising overhead of operating the club. The new dues are now $2,500 annually. Nineteen percent of your members (i.e., 190 people) say they cannot afford the higher annual dues. So, if we follow the example of ObamaCare, the club directors are going to reconfigure the dues so that 81% of the members will offset the increase to accommodate the 19% who cannot afford it. Therefore, instead of paying annual dues of $2,500, 81% of the club’s members will pay that plus their share of $500 per head for the remaining 19%. In other words, 81% will now pay $2,617.28 while 19% continue to pay $2,000 annually. The good news—if there is any good news—is that thanks to generosity of the 81%, club membership will not drop.
The word on the street is that even Obama’s signature piece of legislation will still leave 30 million Americans with no health coverage. Well, if 60 million couldn’t be ignored, there is not much basis to ignore 30 million downstream. Here again another reason pops up to justify junking ObamaCare altogether and move to a nationalized, single-payer healthcare system. In fact, that will be the only way to go because the insurance industry, by then, will only be a sliver of what it once was and incapable of serving such a huge chunk of the population.
All that will come in time but for now, let’s get back to our lesson in majority impact. Before the advent of ObamaCare, 81% of Americans had healthcare coverage either through individual or corporate plans. In both instances, those Americans were able to afford the out-of-pocket costs for their plans and most expressed a reasonable amount of satisfaction with them. But to hear the Obama Administration tell it, those Americans were sold “sub-standard plans” and were being ripped off. So in the spirit of egalitarianism, those plans were tossed out and designated “illegal” under the Affordable Care Act. Once the ACA went into law, only those plans meeting the guidelines of the legislation were considered legal to sell by the insurance companies. In other words, the American people would be able to buy their insurance from a private sector company, but only if the policy met the minimum standards defined by the Affordable Care Act. Here, my friends, is where that majority impact really starts to kick in.
You see, with ObamaCare, the problem they faced was really not the people who did not have insurance but selling it to the ones who did. They knew it would be really difficult to sign up 81% of the population for something they already had unless it was going to be a give-away or one heck of a good deal. Well, ObamaCare was neither and it soon become apparent to the 81% once they received their new policies through the ObamaCare exchanges. But now we know why it had to be the law of the land and include all of us little people—we were keeping the membership numbers up, just like in the club. Gee, there for a minute I thought I saw something in my soup.
One must also understand the burden that is associated with giving something away such as free or subsidized healthcare coverage to those Americans who are financially incapable of paying for their own coverage. Just like the example of the club, the rest of us must pick up part of the tab for those non-paying members. Essentially, some proportion of their coverage is being allocated to you and your premiums so that you end up paying the freight for a person that you do not even know. When you look at it in this light, it becomes readily apparent that no average family was ever going to save $2,500 a year on their healthcare premiums (as promised by Mr. Obama) unless they were on the “give-away” end of the equation. Those who were already paying for healthcare insurance were simply going to pay more, and likely a lot more. Oh, and just like in the club, when overhead goes up, the 81% will be the ones picking up that tab for that too.
Of course there are ways to soften the blow of higher premiums in order to quell some of the dissatisfaction. That can be done by simply lowering the premium on the front end, but raising the annual policy deductibles on the back so that more dollars come out of the insured’s pockets before any coverage kicks in from the policy. In the end, you still have insurance but it costs you more—possibly much more—and your out-of-pocket costs are higher, but doggone it! That new policy meets all the specifications under the Affordable Care Act so it must be a good one! Hmmm—I believe I do see something in my soup!
President Obama stated that he must have “misspoke” when he made claims that you could “keep your doctor,” that you could “keep your plan,” and that you potentially could save “$2,500 a year over your current plan in premiums and deductibles.” He misspoke. Where I come from, anything that covers that much ground and does that much damage is not a “misspoke”—it is a bald-faced lie. Not only is it a lie, but it is a lie that was told with the absolute intention of manipulating the majority of the American people into believing that they were moving to a better place when, in actuality, they were becoming participants in a plan designed to devastate both the insurance industry and the medical industry as private-sector entities. Now that the cat is out of the bag, any protest simply falls on deaf ears. Once again, Obama and his crew are thumbing their noses at you because you swallowed the bait, hook, line, and sinker.
ObamaCare will play an overpowering role in breaking the financial back of the middle-income wage earner in the USA. In short order, the insurance and medical industries will be so crippled by the legislation that both will be ineffective and incapable of providing any real alternative to this disaster. At that point, the Progressives on the Left will begin beating the drums about how badly we need to nationalize our healthcare industry. Once again, the American majority—that 81%—will go along not only because we are gullible, but because by that point there will be no freedom of choice left. Our liberty will be gone. Hey waiter—there’s a fly in my soup!
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