Today is the last day of free market capitalist healthcare. Our healthcare system, as a whole, has flaws. Because our healthcare system consists of the consumer, provider and insurer – the flaws are not easily resolved, nor are they resolved when each component is more damaged in the socialized transformation that is ObamaCare.
Having health insurance is not the only answer. Having a health plan and a reformed healthcare system, without government intrusion into our personal lives and economic overreach is what worked in the past. I would suggest those so highly in support of this to look at the history of healthcare in America and the world. Moreover, this ObamaCare is NOT about healthcare or you. If it were, there would not be so many requests and approvals of exemptions. The key to understanding is to be an informed leader and consumer, not a misinformed follower and parasite.
For a real history and solution to healthcare in our Country, please visit my commentary of May and July 2013 at http://www.beerswithourfoundingfathers.com/3/post/2013/05/nationalized-healthcare-nobamacare-a-better-solution.html
ObamaCare is supposed, but not intended, to help those that cannot afford health insurance. Let's take a single mother of two earning $20 per hour - a decent wage, twice the average starting wage. What is her 'affordable' insurance that she is REQUIRED to obtain? How about $100 per week or $400 per month! This is NOT something that can be suddenly budgeted and her employer will not be increasing her wages by 15%. How about a family of four earning $50k annually? How about your own? Go to http://kff.org/interactive/subsidy-calculator and see just how affordable it will be. Before someone mentions tax subsidies - remember those are taxpayer funds, not 'government' funds - someone pays it. Moreover, all premiums are paid before taxes are filed. Why are employers being required to give something – other than a wage – for work performed? Why are self-employed required to reduce their profits for something that is elective? Government intrusion, economically or socially – and ObamaCare is both – is never a solution. This is about economic control, not your healthcare. If it were about your healthcare, and it had more benefits than detractions, those that wanted it and those who passed it would not be requesting or making exemptions post-legislation. No one supporting this fraud has offered a shred of information to support it, or any reasonable alternatives. I have and can. As an example, here is the single-mother of two earning $20 per hour at 40 hours per week ($40,000 annual gross income). This does not include any out-of-pocket costs, such as deductibles and co-pays, or services not covered.
- Household income in 2014: 205% of poverty level
- Unsubsidized annual health insurance premium in 2014: $5,114
- Maximum percentage of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 6.47%
- Amount you pay for the premium: $2,587 per year
- (which equals 6.47% of your household income and covers 51% of the overall premium)
- You could receive a government tax credit subsidy of up to: $2,526
- (which covers 49% of the overall premium)
ObamaCare needs repealed or unfunded. Its simply bad medicine for our Country and economy. To go down the road this will create is destructive; there is no U-turn, and not one ‘promise’ made in the course of the legislative campaign or post-legislation is true. Why else are there so many requests and grants for exemptions? This includes those who wanted it and those who passed it - and the guy that campaigned for it and signed it into law.
I most often hear two reasons from the so few support this law: 1) they have pre-existing conditions; and 2) they can finally afford healthcare (not the insurance premium – that bill has not come yet). Let's go with those two. No one argues with reform being needed, and for decades these two reasons were why. But NEVER did Congress address these. Instead, they – and the voting morons of healthcare reform – wanted single-payer. To fix these two above reasons, why is it REQUIRED that every person be insured – either required as an employer benefit or individually purchased? If not purchased, why are you are penalized and why is this tied into the income tax filing and payments? Why is the IRS in charge of enforcement? Because this is a tax, it is a new – and will be growing – source of revenue for the government. When this fails, and it is designed to, the fix will be socialized medicine will be paid for similarly to social security: the employee will have a payroll deduction and the employer will have a matching contribution. It is that simple. Just like the employee no longer notices their payroll deductions, they will not notice this new deduction.
No one has ever argued against appropriate healthcare reform. However, NO ONE should be able to agree that being forced to purchase a product or service, or provide a product or service for free or substantial loss, is ‘the right thing to do’.
This law is designed to fail, leaving the 'only' alternative being socialized medicine. It is NOT about your healthcare, it is about getting more of your money through penalties and taxation, while also controlling the healthcare economy. When employers cut hours and do not provide insurance, it will turn employees against employers, and has turned people against each other. Do you believe these are unintended consequences? I do not. Congress has long intended to make non-income benefits taxable – they have long said health insurance is one of them.
If employers are required to provide healthcare, and every person is required to have it - a new tax base is created. An additional (estimated) $20K plus per year, per person, is intended to be taxable. Although you will not receive these funds directly in your paycheck, the taxes will come from said paycheck. If you pay for your health insurance, you cannot be taxed.
The background of employer provided health insurance supports this. Employer provided health insurance was first introduced as a means to increase the value of an employee during wage freezes of the 1930s – no wage increases, but giving a non-income benefit was a work-around. In later years, the teachers' union in Texas negotiated employer provided health insurance – the first time it was a required and widespread benefit. Through the 1970s this was common practice. However, as this benefit began to fade and unions began losing members and influence, together with the call for health insurance reform – Health Maintenance Organizations (HMOs) were introduced. HMOs were going to solve all the problems – the same ones ObamaCare is to solve. HMOs were not designed to and neither was ObamaCare – they are steps to socialized medicine. The underlying intent is the have a new taxable and economic base for the federal government.
Unless you are into socialized medicine, paying more taxes and having less disposable income in trade for nothing much better, except feeling better, you cannot support this unconstitutional fraud. Scrap this dung pile of 'reforms' and do something that truly works for the individual. What is the history of healthcare? What reform addresses the real issues of healthcare? http://www.beerswithourfoundingfathers.com/3/post/2013/05/nationalized-healthcare-nobamacare-a-better-solution.html
Dean A. Beers, American Patriot
Author and Speaker
Blog - www.WeLoveOurUSA.com