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A Glimpse of Obamacare « The Thinking Housewife
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A Glimpse of Obamacare

August 28, 2015

A READER sent this e-mail. I cannot vouch for the figures, but it is consistent with what I know of Obamacare:

I am a consulting engineer and make between $60,000 and $125,000 per year, depending on how hard I work and whether or not there are work projects out there for me. My girlfriend is 61 and makes about $18,000 per year, working as a part-time mail clerk. For me, making $60,000 a year, under ObamaCare, the cheapest, lowest grade policy I can buy, which also happens to impose a $5,000 deductible, costs $482 per month. For my girlfriend, the same exact policy, same deductible, costs  $1 per month. That’s right, $1 per month. I’m not making this up.

Don’t believe me? Just go to  http://www.coveredca.com , the ObamaCare website for California and enter the parameters I’ve mentioned above and see for yourself.  By the way, my zip code is 93940.  You’ll need to enter that.

So OK, clearly ObamaCare is a scheme that involves putting the cost burden of healthcare onto the middle and upper-income wage earners.  But there’s a lot more to it. Stick with me. And before I make my next points, I’d like you to think about something: I live in Monterey County, in Central California. We have a large land mass but just 426,000 residents – about the population of Colorado Springs or the city of Omaha. But we do have a large Hispanic population, including a large number of illegal aliens, and to serve this group we have Natividad Medical Center, a massive, Federally subsidized county medical complex that takes up an area about one-third the size of the Chrysler Corporation automobile assembly plant in Belvedere, Illinois (see Google Earth View).

Natividad has state-of-the-art operating rooms, Computed Tomography and Magnetic Resonance Imaging, fully equipped, 24 hour emergency room, and much more. If you have no insurance, if you’ve been in a drive-by shooting or have overdosed on crack cocaine, this is where you go. And it’s essentially free, because almost everyone who ends up in the ER is uninsured. Last year, 2,735 babies were born at Natividad. 32% of these were born to out-of-wedlock teenage mothers, 93% of which were Hispanic. Less than 20% could demonstrate proof of citizenship, and 71% listed their native language as Spanish. Of these 876 births, only 40 were covered under [any kind of] private health insurance. The taxpayers paid for the other 836. And in case you were wondering about the entire population – all 2,735 births – less than 24% involved insured coverage or even partial payment on behalf of the patient to the hospital in exchange for services.

Keep this in mind as we move forward. Now consider this: If I want to upgrade my policy to a low-deductible premium policy, such as what I had with my last employer, my cost is $886 per month.  But my girlfriend can upgrade her policy to the very same level, for  just $4 per month. That’s right, $4 per month. $48 per year for a zero-deductible, premium healthcare policy – the kind of thing you get when you work at IBM (except of course, IBM employees pay an average of $170 per month out of pocket for their coverage). I mean, it’s bad enough that I will be forced to subsidize the ObamaCare scheme in the first place. But even if I agreed with the basic scheme, which of course I do not, I would never agree to subsidize premium policies. If I have to pay $482 a month for a budget policy, I sure as hell do not want the guy I’m subsidizing to get a better policy, for less that 1% of what I have to fork out each month for a low-end policy. Why must I pay $482 per month for something the other guy gets for a dollar?

And why should the other guy get to buy an $886 policy for $4 a month? Think about this: I have to pay $10,632 a year for the same thing that the other guy can get for $48. $10,000 of net income is 60 days of full time work as an engineer. $48 is something I could pay for collecting aluminum cans and plastic bottles, one day a month. Are you with me on this? Are you starting to get an idea what ObamaCare is really about? ObamaCare is not about dealing with inequities in the healthcare system.  That’s just the cover story. The real story is that it is a massive, political power grab.

Do you think anyone who can insure himself with a premium policy for $4 a month will vote for anyone but the political party that provides him such a deal? ObamaCare is about enabling, subsidizing, and expanding the Left’s political power base, at taxpayer expense.  Why would I vote for anyone but a Democrat if I can have babies for $4 a month?  For that matter, why would I go to college or strive for a better job or income if it means I have to pay real money for healthcare coverage?  Heck, why study engineering when I can be a schlep for $20K per year and buy a new F-150 with all the money I’m saving?

[ … ]

It’s all about political power. Please Send this to everyone you know. If things keep going like this we are doomed!!!

— Comments —

Deana writes:

What the reader above is describing sounds absolutely accurate.

Just today, a representative of the State of Tennessee, Rep. Dianne Black (a former nurse), sent out a newsletter in which she said:

“Obamacare Premium Rates Skyrocket in Tennessee

Late last week, our states largest insurer – Blue Cross Blue Shield – was approved for a 36.3 percent average increase in premiums for 2016, with select premiums increasing by up to 59.5 percent. The President repeatedly promised Americans that his healthcare law would save families an average of $2,500 per year. Now, Tennesseans are seeing once again that nothing could be further from the truth. As I recently stated, “My House colleagues and I will continue taking action wherever possible to offer relief from the most onerous provisions of Obamacare, but this staggering rate increase is a reminder of why we need a Commander-in-Chief who will partner with us to start over on healthcare reform.”

Obamacare has nothing to do with improving care or access to care.  It is a power grab.  Once you control a person’s health, you control them entirely. And that is why when Dr. Ben Carson spoke out about Obamacare at the 2013 Prayer Breakfast it infuriated Obama so much that the White House contacted Dr. Carson afterward and demanded an apology.

I find that to be revealing that Obama felt he could demand that a U.S. citizen apologize to him for exercising free speech.

Terry Morris writes:

The writer’s numbers aren’t at all surprising to anyone paying attention. A few years back, and out of curiosity brought on partly by the birth of our youngest daughter, I compared the number of births for the year in my state to the number paid for by State, and/or, federal programs. I don’t recall the exact numbers, but I do recall that the ratio was upwards of 7:1, meaning that for every baby born in the state paid for by parents or their insurance, there were seven babies born paid for by state, and/or, federal programs in one form or another, i.e., so called “Sooner Care,” (which, contrary to popular belief, is federally funded), and through a program for illegal aliens called “Soon To Be Sooner Care.”

At the time I was more apt to punish myself in that I read the opinion sections of prominent newspapers in the state. Week-in and week-out the letters to the editor were always dominated by ingrates complaining that the “rich” were not paying “their fair share” of taxes. Very often these people revealed in their letters that they worked in the public sector. Not to disparage those who work in the public sector, but the deductions coming out of your checks every month are not the same thing as original taxes. Original taxes are paid by the private sector, and only by the private sector. What is coming out of checks labeled “taxes” is simply an indirect form of taxation leveled against actual taxpayers using you as a pawn.

I’m not nearly so eager to punish myself anymore by reading the drivel of people who pay no taxes yet truly believe they are shouldering a disproportionate portion of the tax burden. They can’t be convinced otherwise, so I don’t even try anymore. As has been said before, you can’t reason someone out of what they never reasoned themselves into to begin with.

Jonathan M. Smith writes:

I’m sympathetic with the opinions expressed in this thread, but I’d like to challenge the statement by Terry Morris that taxes paid by public-sector employees are actually paid by private-sector taxpayers. I’ve been a professor at a public university for twenty-five years, so I have a dog in this fight, but I believe there are good reasons to say Mr. Morris’s statement is false. It’s also insulting, since it equates the paycheck of a public-sector employee with a welfare check, or the loot of a highway robber. Let’s look at this in terms of what money actually is. When Mr. Morris pays his taxes he hands the government symbols that represent value he has produced for other people, or what we might call his labor. While those symbols (i.e. money) are sitting in government coffers, they still represent Mr. Morris’s labor. But once the government releases them to me in exchange for my labor, those symbols represent my labor, not Mr. Morris’s.

This is true even if we consider the government as no better than a highway robber, since the government may have robbed (i.e. taxed) Mr. Morris, but I have not robbed (i.e. taxed) the government. If a highway robber buys his dinner using stollen money, that money now represents the labor of the cook, not the labor of the highwayman’s victim. The labor of the highwayman’s victim was consumed by the highwayman. Likewise, the government consumes Mr. Morris’s labor when it pays me, whereupon the money represents my labor.

Laura writes:

I agree with Mr. Smith and I don’t understand Mr. Morris’s point on public sector wages. Even thought the money does ultimately come from the government, it is still a deduction on the earnings of a public employee.

Also, I should clarify that I do not oppose inexpensive medical care for the poor (I don’t think Mr. Morris does either), but medical care should not be in the hands of the government to the degree that it is with Obamacare.

Mr. Morris writes:

I’ll answer Mr. Smith’s objections more fully later, but in the meantime allow me to assure him (and all) that I do not equate public sector employment to government “welfare.” My definition of welfare is fairly specific, and as such its recipients does not include persons who provide a service or services equal to or surpassing in value what he or she receives in payment and benefits.

Welfare, in my definition, is the providing of benefits without the asking of any kind of valuable service in return; it is quite literally “free money” to those to whom it is provided without the asking of anykind of return on the investment. Now, presumably Mr. Smith is providing a service at least equal to, in value, what he receives in payment for that service. If this is so (and I have no reason to believe it isn’t in Mr. Smith’s case) then I have not equated his job to government welfare.

But that is all tangential to my point in any event. The issue is about who does and who does not pay actual taxes. And contrary to what you have said, Laura, the money does not originate with the government, it originates with the original or actual taxpayer. The government merely collects and redistributes it. Whenever the government “creates” new jobs, is it at Mr.Smith’s expense the government does this? I think not. No; for the government to create new jobs it must do so at the expense of the private sector.

Mr. Morris adds:

Oh, almost forgot: I am actually against most any form of government-provided healthcare unless and until it can be shown me it won’t ultimately turn into the “Affordable Care Act” becoming the prom queen. So to speak. :-)

Carolyn writes:

Mr. Smith thinks it is fine to rob one and pay another! It is my money to do with as I please….not to mention if I could pay him directly for teaching my child, instead of through the government’s many agencies and eventually to the university, how much less it would cost me….and how many other “laborers” I could support. The free market grows the coffers of those who work, not of those who collect and distribute.

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