Among the issues most commonly discussed are individuality, the rights of the individual, the limits of legitimate government, morality, history, economics, government policy, science, business, education, health care, energy, and man-made global warming evaluations. My posts are aimed at intelligent and rational individuals, whose comments are very welcome.

"No matter how vast your knowledge or how modest, it is your own mind that has to acquire it." Ayn Rand

"Observe that the 'haves' are those who have freedom, and that it is freedom that the 'have-nots' have not." Ayn Rand

"The virtue involved in helping those one loves is not 'selflessness' or 'sacrifice', but integrity." Ayn Rand

For "a human being, the question 'to be or not to be,' is the question 'to think or not to think.'" Ayn Rand
Showing posts with label Health Insurance Exchange. Show all posts
Showing posts with label Health Insurance Exchange. Show all posts

22 November 2013

Maryland Health Connection Website Down

Maryland enthusiastically embraced ObamaVaporCare and set up its own health insurance exchange and website.  While some of the state-sponsored ObamaVaporCare websites work better than the federally-run websites, Maryland's website is not one of them.  It is down every day from 11 PM to 5 AM for repairs and fixes.  Except, tonight it was down at 10:05 PM already.

It is a good thing that no one in Maryland has a job and children to care for, because if they did, they sure would not have a chance to go on-line after putting the children to bed and sign up for a federally mandated health insurance plan.

11 November 2013

ObamaCare Numbers Do Not Compute - Emoters Require No Computation

Originally, we were told that 47 million Americans did not have health insurance and ObamaCare was going to provide them with insurance.  I showed that about 10 million Americans had no need for health insurance since they or someone in their family were so wealthy that it was very reasonable for them to be self-insured.  Then there were about 12 million illegal aliens at the time.  So, the number of Americans who actually had some need for insurance and had none were about 25 million.  A short while before the roll-out of the catastrophic ObamaCare website for the federally operated state exchanges for 34 states, the government was claiming that ObamaCare was going to provide 30 million of those who did not have health insurance with it.  That 30 million figure, rather than the 50 million more recently bandied about as the number of uninsured Americans, has now been scaled back to a mere 7 million.

Yes, now ObamaCare will be a great success if it manages to sign up 7 million people by the end of March according to the same folks who originally told us that it was addressing the problem of 47 million uninsured Americans.  So, even if we buy this as the measure of success, ObamaCare must sign up this number between the end of November and the end of March.  The number signed up to date is trivial and will remain so until the problems with the website are fixed.  Some fools are saying that will happen by the end of November.  So, in the course of 121 days, the government says it can declare success if the 7 million are signed up.  To do that modest number it will have to have 57,850 people sign up each day.

But what about the 4.8 million people who have had their health insurance cancelled already by ObamaCare requirements?  Is it really a success if these people and the millions who are about to receive similar cancellation letters do not sign up for ObamaCare insurance on the exchanges?  Apparently the government would have us believe that they do not count.  It is noteworthy that Jay Carney says that fewer than 5% of Americans will have their health insurance cancelled.  Well, that is 15.6 million Americans.

What is more, Jay and the government are hiding the fact that many small group and large group insurance plans will be cancelled in 2014 as the ObamaCare extension of company provided plans starts to run down.  The government extended that deadline in order to delay the overwhelming numbers of cancellation notices that would have been added to those for people in the individual insurance market.  This is what allows them to tell us the lie that fewer than 5% of Americans will lose their health insurance.  Of course, but late 2014 it will be very clear that many times that number will be forced into the ObamaCare exchanges or be without health insurance.

A government study concluded that before the end of 2014, 9.2 to 15.4 million will lose their insurance in the individual market, 16.6 million will lose it in the small group market, and 102.7 million will lose it in the large group market.  This is a total of between 128.5 and 134.7 million who will lose their health insurance by the end of 2014.  So, 25 million originally uninsured and about 132 million newly uninsured Americans (a total of 157 million) will need to purchase insurance meeting ObamaCare mandates by the end of 2014.  This means that about 396,465 Americans will have to sign up for ObamaCare insurance each and every day on average between now and the end of 2014 if they are to be covered with health insurance as per the intent of this mandate.

One of the ObamaCare bureaucrats was recently telling Congress that only about 39,000 needed to sign up each day.  This does not compute.  Even by the end of March 2014 this would not be anywhere near 7 million Americans who had no insurance and offer nothing for those losing their insurance.   The government cannot even perform simple mathematical operations, so how can anyone imagine they can direct the entire critical medical services apparatus of the USA?  These numbers also make it obvious that no one ever supported ObamaCare who gave its claims a few moments of thought.  It was always purely justified on an emotional basis.

Of course my argument only has the power to convince rational people.  The supporters of ObamaCare are not rational.  They are emotional lovers of collectivism and many will support ObamaCare for its collectivist premise no matter how badly ObamaCare abuses Americans.  No matter how many Americans wind up uninsured and unable to seek medical attention thanks to ObamaCare, it will have many supporters.

But, those many supporters will not number so many as it has had to date.  Some people who emoted a different outcome for ObamaCare will fall away from it as it begins to actually hurt them and their families.  Until recently, this duplicitous Obama Regime effectively delayed all of these many harms into his second term and, with the illegal company mandate delay, it is further spreading out the harm to lower the shock to the many Americans who do not give life-threatening matters any thought.

24 October 2013

Is Obama the CEO of the Federal Government and ObamaCare?

Leaving aside the fact that Obama is not eligible to be President because he is not natural born, he is signing legislative bills as though he is the President.  One of the most notorious bills he signed was the fraudulently named Patient Protection and Affordable Care Act, which he has adamantly backed.  Indeed, it is his signature achievement and he is happy to hear it called ObamaCare.  ObamaCare is failing in a colossal manner and it is clear that it is doing so so rapidly because Obama is not a functioning Chief Executive Officer (CEO).  To be sure, it had to fail and it was even designed to fail, but it was not supposed to fail while Obama was still pretending to be President.

The President of the United States of America is the CEO and the Chief Operations Officer of the federal government.  He is charged with protecting, defending, and preserving the Constitution while in office.  Obama does not take this task seriously and does not even believe the Constitution should be protected, defended, and preserved.  He said so explicitly when he was a state senator in the Illinois state legislature in a Chicago radio station interview.  In this, he is in agreement with Justice Ginsburg and many other Progressive Elitist Democrat Socialists.

Under the Constitution, the President is charged with executing and enforcing the laws of the United States.  Obama has failed to do that in the case of his signature achievement, ObamaCare, in many ways.  He has unilaterally changed its timetable on many of the mandates of the law and he has unlawfully granted many exemptions to factions among his supporters, such as labor unions or campaign contributors.

A key development necessary for the ObamaCare initiation was that the state exchanges for health care insurance plans that met the mandated requirements of the ObamaCare law, had to be made available to individuals so they could examine the coverage offered and determine what it would cost them.  To do this, they had to access the costs for their age and location and for their income level so subsidies could be calculated.  In addition, the website has to access data from the IRS, HHS, Social Security Administration, the Dept. of Homeland Security, and other sources to verify the identity of the person seeking the required health insurance costs and the information that individual supplied.  This required a complex program and access website.  The development of this website was entrusted to the Department of Health and Human Services.  The bureaucrats in that department then hired a number of contractors to perform much of the work, but kept a high level of control with ever-changing requirements on how the system would work.  Overlooking this Obama signature project that was taking a large measure of control over one-sixth of the economy and our vital medical care, was the CEO of the federal government.

With all of our lives most literally on the line, the CEO of the federal government was paying no attention at all to his duties.  He was present, but he was busy making speeches about how great ObamaCare was rather than directing his signature achievements development and implementation.  He played the role of company spokesman rather than that of CEO.  According to the Secretary of the Department of Health and Human Services, Obama had no idea that the website was going to fail.  None.  He was totally asleep at the wheel.  The biggest thing the government has ever done aside from fighting two world wars, the Civil War, and the War of 1812, was not important enough to capture even the least little bit of his attention.

To be sure, the real fault lies with the American People who twice voted for this community organizer with no executive experience to be the CEO and COO of the largest and most important organization in the world.  Then they allowed him to undertake the most massive transformation of the private sector and the American economy to give us the ObamaCare debacle.  Among the consequences of which are:

  • Companies are dropping health insurance plans for their employees.
  • Insurers are canceling millions of insurance plans that they say do not meet the requirements of ObamaCare, so the cancelled persons will have to buy new plans under ObamaCare.
  • Insurers are cancelling the insurance plans of many people with pre-existing conditions.
  • People are losing their jobs because providing them with health insurance under the ObamaCare requirements is becoming too expensive.  This will be especially true of young workers, who used to lower the overall cost of insurance to a company far more than they will in the future.  This made it worthwhile to train them and gave them time to learn their jobs.
  • Jobs hours are being reduced to less than 30 hours a week.
  • High quality medical care institutions are having to fire staff because many ObamaCare health insurance plans will discriminate against them due to their higher costs.  In some cases, as in New Hampshire, people close to good hospital systems will have to travel an hour to get to an ObamaCare covered hospital.
  • The many health insurance plans discriminating against high quality medical institutions and their network of doctors will provide lower quality medical care.
  • Future innovations in medical care will be much reduced by policy as tougher, more experimental operations and medical equipment investments are denied.
  • Administrative costs for health insurance companies are going up due to false and inadequate information being given to them from the malfunctioning exchanges.
  • Many young people will not be willing to fight the interminable battle to try to sign up for ObamaCare policies on the malfunctioning exchanges, thereby driving up insurance costs as only the sick and older people have enough incentive to fight that battle.
  • Many young and healthy people will not sign up because the magnitude of the subsidy they are providing the sick and older people will shock them.  Paying the penalty tax will be much more affordable.
  • Many people absolutely do not want to pay for many of the ten so-called essential health benefits, especially when what they may want is tagged with very high deductibles.
  • Many will not sign up because the available plans will not allow them to keep the doctor they like or use the hospital they like.
  • Many people will not sign up because ObamaCare violates their religious beliefs.
  • Others will not sign up because they are unwilling to allow the government to get away with claiming its owns their bodies and minds, making them slaves.  They will not let the tyrants win.
  • Some will not sign up because they know that the government that managed this train-wreck cannot be counted upon to keep their financial and medical data secure.  Not only would that take considerable network security, but huge numbers of people will have access to that data.  Having your bank account continuously emptied is far more crippling than paying the ObamaCare uncaring penalty tax.
  • And who wants to be the subject of a Death Panel decision after going to all the trouble to get on ObamaCare?  It is probably safer to fly to Thailand or to Argentina for one's serious medical care.

07 October 2013

Maryland Health Insurance Exchange Wants Your First-Born Child

It is difficult to actually find the entry point to start the process of finding out what the health insurance plans are and their costs under the State of Maryland Health Insurance Exchange.  It is very easy to find a great deal of propaganda claiming it is easy to sign up for, is inexpensive, and will deal effectively with all of your medical needs.

Of course, I expect this is all lies, but I wanted to try to learn much more about these issues by going through the process of checking out these claims.  After all, we are told over and over that one of the great things about this federally dictated take-over of the medical industry is that it will all be transparent.  If so, one should be able to easily examine the costs and benefits of plans for people of various ages.

But, the state of Maryland will not tell me anything about costs, benefits, and the various medical networks unless I create an account.  Good luck on figuring out how you even get to the point of being told that you have to create an account.  They say the process of creating an account takes about 5 minutes.

To create an account you have to give them permission to store information on your Internet Domain, your IP Address, your browser and operating system, the date and time of each visit, the pages you visit, and an address from which you link to their website.  Then you must provide the following information, which they inform you they intend to verify:

  • Your complete name
  • Your address
  • Your e-mail address
  • Your phone number
  • Your Social Security number
  • Your Date of Birth
Well I tried to use Next to skip over this, but it refused to allow that.  Without an entry to each of these demands for information, one is not allowed to move forward to see if any of the state's many claims that ObamaCare in the state of Maryland is greater than sliced bread and cheaper than water.  This suggests strongly to me that the People of the State of Maryland are to be put on a medical diet of bread and water.  The system is designed to prevent people from doing any hard investigation into the inadequacies of the system.

Clearly, this system is set up to prevent any one from making up a table on each of the few available insurance plans that provides the benefits of that plan.  It is designed to keep anyone from making up a chart of the cost for a male or female for any age.  This of course is the very thing one would expect of a transparent system, which ObamaCare falsely claims to be.  In fact, one rightfully expects that the exchange itself would present such information this way.  After all, anyone wants to know at this stage whether insurance for their adult children will break the backs of their children and what this dictated insurance might cost them in a few years time.  You will be kept in the dark, however.

Not only does the leaking of only bits of such information for one person at one age make this a murky system designed to protect the propaganda claims of the state and federal government from verification, but it is intimidating.  This intimidation is very intentional.  Big Government wants to collect a database on persons, addresses, e-mail addresses, phone numbers, social security numbers, and birth dates so that those people who do not buy this mandated insurance can be hunted down and harassed easily.  Now this is not actually allowed in the law, but neither are subsidizes allowed for the federal exchanges and neither are the many exemptions and delays.  This is not a law being enforced with any of the rational requirements of good law or with any respect to the Rule of Law.  So, why should we not expect to be hunted down like dogs if we do not buy this mandated insurance.

So, unfortunately, I cannot inform myself or any readers about what the Maryland benefit plans are and what they will cost.  In the absence of any information and given the opaqueness of the state system, I assume it is as bad as anyone who believes government is mostly incompetent would suspect it to be.  It is definitely on the state to prove otherwise and the state of Maryland is determined not to offer such proof.  Indeed, reports are that the federally run exchanges for the majority of states that would not set up their own exchanges operate on the same principle.  That principle is that the People are too dumb to insist on such knowledge and unable to cope with the knowledge if they had it.

This is a thoroughly un-American take-over of our medical institutions and an extreme intrusion into our most intimate affairs.