And what did get said by certain Democrats revealed a lack of
fundamental understanding.
(Page 2 of 2)
Ah, but the President doesn't like that, either. "All the
data says that the people who have health savings account have a
lot of disposable income," he said yesterday. The implication is,
of course, that HSA's are a rich man's game and will leave the
poor to fend for themselves.
But then in the next minute he contradicts himself. The
uninsured, he said, are not the poor. The poor are covered by
Medicaid. The uninsured tend to be the self-employed and people
working for smaller companies that cannot afford to provide
benefits to their employees. Aren't these precisely the people
who could benefit from health savings accounts? But instead, the
Democrats would prefer to mandate that
these smaller businesses provide health insurance to their
employees -- even though they obviously can't afford it. Could
there be a more efficient way of killing job creation in this
country?
The Republicans came off very well in yesterday's summit.
They drew a line in the sand -- solve the problem by enhancing
free markets -- and stuck with it. If Democrats want to persist
in pushing their reform bill on the American people, let them.
Then let them stand by it in the November election.
The peculiar structure of the tax code causes many serious
problems. Congress has dozens of plans that allow tax free
savings for various purposes. It would make more sense to set up
a single plan that allows people to save for health care,
retirement, education, purchasing a home, disability, or
unemployment. Democrats for some reason always oppose any plan
where an individual makes decisions for themselves, but they
should be aware that collectivism has not worked effectively to
provide for individual needs. They want to spread the wealth but
all they wind up spreading is poverty.
Louis Jenkins| 2.26.10 @ 8:56AM
It would make more sense to set up a single plan that allows
people to save for health care, retirement, education, purchasing
a home, disability, or unemployment.
Health Care-Medicare and Medicaid, Retirement-Social Security,
Education-Public Run, Purhasing a home-Fannie Mac and Freddie
May= foreclosure, Disability-Social Security again,
Unemployment-Unemployment benefits and Stimulus funded jobs.
They already have sizable control of the Land of the Free. The
Federal Government, aka District of Crimminals, could not
tolerate your personnal funds being placed in a private account
for any contingency. They'd soon find a way to tax or confiscate
it as has been proven.
These people cannot understand the Free Market. Let American
character and enterprise work.
These people lay awake at night, scheming and planning ways to
skin the producers, savers, or the financially aware. There is no
limit to the means that they will employ.
Taxpayer| 2.26.10 @ 10:08PM
Also, money put into a tax-free account is no longer safe. Look
at the Argentina example of how the government intruded on those
accounts.
Bram| 2.26.10 @ 1:42PM
Wouldn't it make more sense to just stop taxing savings income
and capital gains? Let me save waht money I can after income
taxes and spend it as I see fit. I am an adult after all.
Al Adab| 2.26.10 @ 4:19PM
Bram,
That makes too much sense and takes the government out of the
control business. After all they know what's best for us. Besides
only "the rich" have savings and capital gains. (At least
anymore)
heh:)
martin j smith| 2.26.10 @ 7:46AM
I will tell you what did not get said and maybe could not have:
To Obama and the Democrat leadership:"This we know is a phoney
"summit". We have already hear you expect to go the so called
"reconciliation" route, if you do not get your way.. The American
people need to realize that their government is broken. They will
be victimized by a rogue democrat party and right now have no
idea how bad it will get.
The 3-year limit on payment for post-transplant drugs is a
Medicare rule -- a government rule! If you buy health insurance
from the private sector, your policy will probably NOT contain
the 3-year limit. So Congressman Clyburn's story is hardly an
argument for more government involvement.
Bob| 2.26.10 @ 6:33PM
Dave, you are factually wrong. Group and individual policies have
dollar limits so you probably wouldn't even get to 3 years.
Insurance companies are not stupid.... Besides, private insurance
limitations on whether you can get the transplant paid for in the
first place are far more restricted than Medicare.
wankel| 2.26.10 @ 9:10AM
>> What Didn't Get Said at the Summit
"It's Bush's fault"?
Gazinya| 2.26.10 @ 9:14AM
Where have all the flowers gone? They have gone to taxes, my son.
A long time ago when I was young I read where The Kennedy struck
out the medical exemption and replaced it with a 7.5% threshold.
I thought at the time this is a joke. If I spend that much of my
income on medical procedures, before I get to write it off, I
probably won't live long enough to see the return. It was at this
time that the Dems were really serious on making sure that no
person 'slipped' through their patriotic duty to pay taxes. The
Wrangles came up with a plan to tax the hidden wealth of those
most agregious concubines of greed, the waitress. These women who
were making minimum wage were skimming off the top from the coins
left for their service. Not fair to The Pelosi or The Reid or
even The Obama.
People, this is what the tea party is about. It is about going
after these Lucifarians that boast $100,000 open bars in their
taxpayer funded jets while we, the people, are being drained.
Ned| 2.26.10 @ 10:22AM
The biggest factor in the cost of health care in the US is
government interference in terms and conditions, mandates for
marginal services... and the various taxation effects on those
not eligible for (or interested in) employer provided coverage
... so Dimocrats propose to resolve those issues with more
government interference in terms and conditions, and mandates for
marginal services? Makes as much sense as anything else that
comes out of Fantasyland On The Potomac.
Bob| 2.26.10 @ 6:35PM
Actually, Ned, this is mandated by the states and not the federal
government. The reason for this is to insure that more people are
covered. If you left it up to insurance companies, they'd be far
more restrictive. I know, I worked for one in group insurance.
JJ| 2.26.10 @ 11:20AM
I'm sure you are right. And I'm sure the Democrats want a
Ginormous-Obamacare-Federal Office of National Health and Medical
Authority. An apparatus the size of the Pentagon -- a towering
inferno of health care taxation, directives, proclamations,
vouchers, forms, 10-289's, F-16's, free aspirin dispensers,
kleenex, sanctions, pamplets and a high commissioner for gall
bladder procedures.
And a giant building on Pennsylvania Avenue: a Department of
Healthcare Fortress with free flu shots and 4 helicopter pads and
5,000 government workers.
Eric Cartman| 2.26.10 @ 2:18PM
You say that like its a bad thing!
JJ| 2.27.10 @ 1:20PM
Yes, a $1,000,000,000,000,000,000 bad thing.
Eric Cartman| 2.27.10 @ 6:12PM
WOW! Well, I guess that is a bad thing. We probably shouldn't do
it, then. But the Dembamacrats won't listen to reason. We may
have to give them High Colonics, sort of like water boarding but
only different.
Al Adab| 2.26.10 @ 11:33AM
A lot of Left argument as is typical based on anecdote rather
than systemic thought. How much of medical costs are the result
of pre-existing regulatory imposts for example? Why do these
debates always proceed from a baseline of "What must the
government do?" Why do we assume government action- proven so
sucessful over the last 50 years- is the best "solution" to an
issue?
The President performed in a condescending, patronizing attitude
although to give him the benefit of the doubt, as Bush would have
said, "in Texas we call it talking". Maybe in Chicago that's how
they talk. It did however seem as though his mind was already
made up and no proposal would find its way past the ideological
firewall.
Why are so many good concepts and tort limits not part of this
proposal, this bill? Sort of like Cod liver oil, "Take it, it's
good for you."
JC| 2.26.10 @ 12:16PM
As a previous employer of fifty plus this article seems
miss-leading. You can not purchase health insurance in a state
from a company that does not meet state requirements i.e mandates
states require that other states do not. You can always design
plans but not eliminate those special mandates.
You're right. But companies that have ERISA plans aren't buying
insurance. They are forming their own pools and self-insuring.
Therefore they are exempt from state mandates. In fact they based
their case for exemption on the point that it would be impossible
to operate in different states while conforming with all the
conflicting state mandates.
Bob| 2.26.10 @ 6:38PM
But that negates one of your other points, Tucker. Most of the
self-insured plans use approved state policies. I was in the
business, I know. Companies don't create their own policies, they
just assume the risk through a reinsurance arrangement. Besides,
most large company policies offer more than the major medical
offered to small companies and individuals.
Gerald Stephens| 2.26.10 @ 2:40PM
CROSSROADS...
The choice of direction is straight forward - a structure created
by central control wherein collective submission to historically
proven failed concepts are forced upon the structure or one
yielding the freedom envisioned by the Nation's founders.
Mr. Obama has clearly demonstrated that his grasp of anything is
fatally deficient. We are at the moment a leaderless nation on
the precipice of potential collapse.
Barring unforeseen circumstances, the plague associated with
leaderless incompetence will persist for the specified time. Our
survival is directly dependent upon the instincts inherent in a
free people's individualism.
We do have a luxury denied many - elections. November 2010 will
reveal which of the crossroads will be traveled.
Grald Stephens
Hartford, CT
Lullaby's, Legends and Lies| 2.26.10 @ 5:33PM
Gerald: We'll be taking a right at those crossroads you referred
too come November, better known as the path less traveled, the
more difficult choice, the straight and narrow path. The one
where you earn what you get, and keep what you earn, the way
America used to do it, and they way we have to do it again. No
more free lunches!! Boohoo!!
tom poole| 2.26.10 @ 3:01PM
I told my wife about 6AM yesterday that all the Republicans would
hear was "it s' in the bill", and was I ever right. It took less
than 1 1/2hours for Obama to say it three times, then I shut off
the TV. There is no quesgtion he is the most supercilious man I
have ever seen in public office we cannot get rid of him soon
enough, at what point does disregarding the Constitution become a
"high crime" subject to impeachment?
Bill Bettag| 2.26.10 @ 3:02PM
Good article and summary of the summit. The open market place and
transparency of fees are what is needed in health care, and HSAs
are a step in the right direction of pursuing that goal. The area
where the insurance companies do carry the blame along with the
medical community is the bogus "network discount" pricing system
that has been established. What legitimate business can bill out
at enormous billing rates, but then through the magic of
insurance "network discounts" accepts 10 cents on the dollar if
you happen to be covered under that employer sponsored health
plan? Only in the medical field. Even with HSAs, this is a major
draw back in having individuals becoming better consumers of
health care. It is very difficult today to find out what you will
be charged for health care until well after the procedure has
been completed.
Bob| 2.26.10 @ 6:43PM
Tucker, this article is a joke, isn't it? The truth is that
Republicans (and I'm one of them) really don't want any change.
If they wanted things like tort reform and selling across state
lines they would have passed it when they had control of the
Presidency and the Congress.
The real truth here is that Republicans (and the Democrats as
well) don't want to cut health care costs because doing so will
make their reelection coffers smaller. It is disingenuous to say
that Republicans really want to solve health care problems. In
addition, the real reason Republicans don't want to reform
Medicare is that they receive more votes from seniors than
Democrats so they won't touch anything that might say, "We're
going to let Grandma die!"
MikeBee| 3.1.10 @ 12:32AM
Bob,
You're way off here. Blue Cross/Blue Shield of Michigan, one of
the largest health insurers in the world, supported DEMOCRAT
Jennifer Granholm for governor of Michigan, not the Republican.
After winning, she did them some favors via legislation.
The smart insurance companies will send $$$$ to both Dems and
Repubs, simply to protect themselves. The dumb ones tend to
support Democrats, like Blue Cross.
Liberal Reader| 2.26.10 @ 7:36PM
State regulations have been found effective because health care
is sold at a local level: you can't do mail-order surgery.
Mail-order insurance would be about as ineffective.
The Republican's "plan" to offer insurance across state lines
would simply start a race of companies to take seats in states
that regulate them the least, leading to more families being sunk
under spiraling medical costs. Insurers would charge more for
fewer benefits.
The problem with the Democrats' plan is that it does NOT
undermine the free market basis of American health care. If this
really were a "government take over," it wouldn't be 2,000 pages,
it'd be 20. The complexity comes because it simply tries to
regulate an industry into civilized behavior. It's a hopeless
sham, of course. As long as companies PROFIT by cutting benefits
and increasing premiums, the American people will continue to be
shafted.
Bob| 2.26.10 @ 8:06PM
I'm afraid you don't know what you're talking about, Liberal.
Cars are also sold by local dealerships. If you live in Minnesota
are you going to have your car serviced in Georgia? Your logic
makes no sense.
Since I worked in the group insurance industry, I can tell you
the reason you have state regulation is that insurance regulation
is a state function -- both auto and health. In fact, if you're a
"national" insurance company, you have filed policies in every
state -- each of them following that state's regulatory
limitations. We sold group insurance policies nationwide and had
one claims operation.
Therefore, selling across state lines is certainly possible and
it doesn't undermine the states regulatory responsibilities. The
anti-monopoly measure is currently the only limitation.
Therefore, getting rid of that measure would allow companies to
compete nationally just by filing policies in those states. But
the Republicans want to go further allowing you to choose the
level of coverage you desire. As long as these policies are
approved by the state, that's fine with me.
Insurance policies are nothing but private contracts between the
insurance company and groups/individuals. Therefore, consumers
will soon learn what each policy covers and what it doesn't cover
-- just like auto insurance.
And don't denigrate insurance companies. Private enterprises are
supposed to make a profit. That's is the American way. The way
you lower costs is to increase competition and prevent
monopolies. Eventually, competition will lead to lower rates.
Your problem is that you consider health care to be a right, not
a privilege. If you believe it to be a right, you should argue
for Medicare for all, and not the hodge podge we now have. By the
way, many of the health insurance companies are mutual which
means they are owned by the policy holders. Profits are
distributed to them. For example, both my my auto insurance and
health insurance companies are mutual. For example, a number of
Blue Cross-Blue Shield health insurance operations are mutual. So
there really is currently a "public option".
You really need to learn more about insurance companies.
Liberal Reader| 2.26.10 @ 10:45PM
Bob --
I may not be able to predict exact behaviors of insurance markets
if they are permitted to sell across state lines, but when we
come to the morality of this issue, I'm confident:
It is immoral to let people go without health care if they are
too poor to pay for it.
Indeed, few would want to live in a society where people
collapsed and died on sidewalks near hospitals for lack of money
to pay for treatment.
Republicans at this point usually jump in to declare that the
poor do NOT die on sidewalks; that they are cared for whether
they can pay or not.
Well, then we all agree that health care is a social
responsibility; that they wealthy should help pay for the poor;
that the healthy should help pay for the sick; that the young
should help pay for the old.
Health insurance has had DECADES to provide coverage that the
people can afford and it has failed to do so. Coverage is
becoming more expensive and offering fewer benefits every year,
far beyond the rate of inflation.
The Republicans are right on one thing. One it comes to health
care reform, we should scrap the current bill and start over.
Where should we start? With the kind of plans that cover every
other wealthy democracy on earth. Single payer, social medicine.
I'm happy to help pay for others if they are sick, and I'm sick
of greed being defined as a virtue.
Charles Stevens| 2.27.10 @ 3:52PM
No, we do NOT "all agree that healthcare is a social
responsibility." Like all progressives, you are unable to think
clearly because you are unwilling to both make distinctions and
to employ hierarchies. Here are a few questions that may help:
1) Why do you conflate health care and health insurance?
2) Do you understand that the instances of poor currently being
cared for are examples of government interference in healthcare
already in extent?
3) Why are you comfortable with more reliance on government
(i.e., more government control) instead of more trust in your
fellow (individual) man?
4) Why do you not perceive a difference between voluntary charity
and forced welfare?
5) Why do you believe that the government has not already been
greatly involved in those areas of healthcare with which you are
now unhappy?
6) Do you agree or disagree with the thesis that where government
is already involved, the more it needs to get involved, in a
never ending feedback loop?
Until & unless you can honestly answer such questions, you
will be hopelessly mired in the absurdity of semantic games and
postmodernist narratives that passes for progressive thinking.
Liberal Reader| 2.27.10 @ 9:13PM
Setting aside your cultural analysis (that I'm mired in
"postmodernist narratives"), I've given thought to your questions
and am prepared to offer some answers. I won't answer all of
them, but I will answer some.
1. I don't "conflate" health insurance with health care. I think
health insurance is a stupid idea. People should prosper and grow
wealthy making useful, good things, not turning sick people away
from doctors. The whole problem is that we do not HAVE a health
care system.
2. When the poor receive treatment it is usually paid for by a
mix of government funds, charity, and people who pay health
insurance premiums. This is a stupid way to care for the poor,
and everyone knows it.
3. There's no stark difference between the government and my
"fellow man." In this country, the government is responsible to
the people. Charity does wonders, and people can be very
generous, of course, but it doesn't do enough.
5. Government is indeed involved in health care. But it's not
involved enough.
We need to stop looking at health care as a COMMODITY. It is not
a commodity. It is a necessary precondition to participation in
the free market, like education. So, like education, it should be
affordable to all, if not free.
To do this, we'd have to pay more taxes, no question. We'd also
be FREE, however, of fearing that a catastrophic medical
emergency will cost us our house, family business, or children's
college education.
The way we do things now is STUPID. It doesn't work; it makes a
bunch of fat cats rich, and the rest of us have to try to live
with it. Well, I say to hell with it.
Charles Stevens| 2.26.10 @ 9:28PM
The peculiar lack of logic evidenced by Democrats during the
healthcare summit is not so peculiar. Like all progressives, they
are steeped (or possibly marinated) in semantic games and
postmodernist narratives. A good example is their incessant
fallback to tear-jerking anecdotes... they cherry-pick a symptom,
mistake it for a cause, and declare a crisis.
On a larger scale, the whole premise of this summit was faulty.
Obama and the progressives predicated their approach on their
definition of bipartisanship: Move to the right side of the ship
while it's still steering hard left.
Jim O'Brien| 2.27.10 @ 2:51AM
The Obama plan (which seems to change every hour) would force an
estimated 20 million more Americans into Medicaid or some form of
government insurance. How?
The feds would further dictate: 1) coverage of those with
pre-existing conditions; 2) deductibles; 3) co-pays; and 4)
coverage in general. Result? Premiums skyrocket and some insurers
exit the business altogether. The Obama plan includes new taxes
on medical providers, including drug companies, medical device
manufacturers, hospitals, and doctors. Result? The cost of
medicine goes up. Obama would also collect new taxes on
employer-sponsored plans. Result? The cost of insurance goes up.
The Obama plan is designed to make more people resort to
Medicaid, and be in favor of government-run medicine. Government
(federal, state, local) is already involved in 50% of medicine in
the U.S.
More government is not the solution. Government is the problem.
We have the best medical care in the world as a result of free
enterprise, and despite the government's meddling. What we need
is more freedom of choice.
Tenn Slim| 2.27.10 @ 7:05AM
Opine
The OBNA Leftist base, Oval office sofa sitters, simply laid out
the Summit agenda, and the OBNA folks followed thier
script.
bt
Understanding how the system actually works is a true jigsaw
puzzle. Eye glazing, for sure. More Commissions,? no. More
Logistics Analysis, YES? In order to effectively solve the
"problem", take one and only one part. Examine it as a Methods
Analysis Ops Research effort. Do the same, as if we were
following the Leftist Dots on Discover the Networks site. Anyone
with a ounce of sense, knows you cannot take the whole pie and
understanding the innards. Your MUST go to the basic recipe, of
each and every ounce of detail. Truly an ornerous job, not one to
be trusted to Leftists. We already know that they cannot find
thier bu.. with both hands.
end
Semper FI
Susan Eno| 2.27.10 @ 10:39AM
The author obviously doesn't live in Massachusetts. I do and I
just got our new insurance rates to starat April 1st. Our high
deductible plan is going up up from $1204.28 per month to
$1797.28 or $14451 per year to $21567 per year for our family. We
changed to this plan several years ago because the HMO type plans
went up too much now this is too expensive also. At about $21000
per year it's almost reasonable to self-insure (go without) and
take chances that nothing really serious happens. We pay $2500
deductible per event before this insurnace kicks in. That means
if I got run over by a drunk driver the first $2500 cost is my
responsiblity. All drug costs are paid out of pocket and on and
on. Of course we don't contribute to the health savings account
part of this deal because with monthly costs as high as this
there is nothing left. After 3 years of 99% of people covered by
insurance in our state this is how much the prices have gone up.
All the people across the country who think that universal
coverage will make everything more affordable think again. And
high deductible catastrophic policies - again not affordable the
new rates from Massachsetts as of April 1st prove otherwise.
Larry| 2.27.10 @ 3:13PM
I think the country has, for the first time in its history, run
into one of the more intractable problems it has encountered
(Susan's e-mail above reminds me of that). I've scolded everyone
from health benefits executives to insurance company
representatives for years that the health care industry was
headed for something like the chaos presented by the Obamacare
legislation. People would get so fed up with things that
universal or national health insurance would begin to sound
palatable. The truth is, it is not, but because the system is so
structurally unsound in many respects it can appear that way.
But I don't pretend to have a solution. Nothing appears to work
very well. I think the first thing we must abandon is our own
welfare state mentality, and then rethink this issue in terms of
(1) how our technology has affected the problem; (2) how extended
life spans affect the health care system; (3) how the changes in
our expectations and our social arrangements have contributed to
the problem.
I still blame Medicare/Medicaid in some measure for the spiraling
of health care costs. I know it is not the only reason, but it
has created certain expectations in the minds of the public, the
medical community, and the administrative types in both
government and the private sector about how health care should be
provided and paid for. We have to think of how it should be paid
for in a new way. I wish I knew how. But I still think the
Republican proposals are for the interim better measures. People
have to quit thinking that there is one grand solution to this
problem. There isn't. Life's hard; life's a bitch and then you
die. It may sound harsh, but until we steel ourselves to that
reality no solution will work for anyone.
Lord Karth| 3.1.10 @ 12:05AM
Real "health care reform" begins by acknowledging one basic fact:
Everybody dies.
Jack| 2.27.10 @ 9:07PM
When in doubt, always employ forced association ....the
alternative is very scary to those who are
psychologically/intellectually dependent on gov't: free
association among free individuals.
Northern Rebel| 2.28.10 @ 12:53PM
Liberal Reader:
Did you get an erection saying we must raise taxes? Did you say
there is no difference between government, and "fellow man",
which I take it you mean American citizens?
WOW!
Conservative America's goal, is to keep people like you, as far
away from political power as possible.
The government runs the post office so well, let's give them 17%
of the GDP! If UPS or Federal express was allowed to deliver
mail. the USPS would be out of business in a month.
If we could get the government control they already have out of
healthcare, or health insurance, prices would drop dramatically.
We would be able to compete across state lines, and reduced the
ambulance chaser's influence on premiums. Americans are notorius
for shopping for the best price.
The present system gives people the impression that someone else
is paying for their health care. Being put back in charge of
their care, will change the nature of the way insurance is
purchased.
We don't have to raise taxes, Mr. Liberal Reader. In the
nineties, with a republican congress thwarting Clinton's
socialist economic policies, we grew our way out of a deficit,
and set records for tax revenue.
If you get gummint out of the way, American Know-how will triumph
without a nanny state looking over our shoulder.
If you're looking for a babysitter, move to NYC, where the mayor
tells you where and when you can smoke, whether you can consume
trans-fats, salt, or sugar.
If government gets it's hands on our healthcare system,
everything we do will instantly become a "health issue". We will
be told what where , and when to do EVERYTHING! What you drive,
what you eat, where you live, what kind of lightbulbs, WHAT KIND
OF TOILETS, will become a "health issue".
That is Mr. Liberal Reader's perfect world.
That's the way the "elite intelligensia" like Mr. Liberal Reader
wants it. He figures to be part of the proletariat and not be
subject to the same things he demands of the"great unwashed".
Our founders created America for Americans. If you don't want to
be an American, go where the socialists are, don't try to turn
America into Switzerland, Mr. Liberal Reader!
Liberal Reader| 2.28.10 @ 4:30PM
Free market health care approaches are plentiful in the world.
Indeed, most countries in Africa and S. America have them. If you
have enough money, you can see a doctor. If not, too bad. No
taxation is required for these services, since none are
guaranteed by the government.
You'll notice that no wealthy democracies are among those nations
who choose the free market route. I wonder why that is.
Could it be that when nations become wealthy they decide to
purchase with that wealth a basic level of well being for their
citizens? Impossible!
We've spent TWO TRILLION dollars on the Iraq War alone. The
notion that we can't afford health care for all American citizens
is absurd. It's a LIE.
Modest taxation would be required, of course, and I'm not ashamed
to admit it.
The difference these days between liberals and conservatives is
that conservatives try to convince you they can spend money while
cutting your taxes and liberals don't. Take your pick.
In the end, a society in which the wealthy help pay for the poor,
the healthy for the sick, and the young for the old is more sane,
more just, more productive, and YES, more FREE, because its
people can turn their minds from fretting about something as
basic and necessary as seeing a doctor to other concerns.
Margie| 2.28.10 @ 6:45PM
"The difference these days between liberals and conservatives is
that conservatives try to convince you they can spend money while
cutting your taxes and liberals don't. Take your pick."
~LIE. But what else is new? Conservatives tell you that you need
to cut spending while lowering taxes.
"In the end, a society in which the wealthy help pay for the
poor, the healthy for the sick, and the young for the old is more
sane, more just, more productive,"
~The government doesn't get to dictate what I or any American
citizen does with our own money. Dream on about your Socialist
Utopian fantasy. By God's Mercy and Grace it will never happen.
"Besides this you know what hour it is, how it is full time now
for you to wake from sleep." Rmns. 13:11.
Well, we are waking from sleep! No more voting Democrat. The
Party of Big Government Socialism.
Republicans for the past decade spent off the books like drunken
sailors, all the while doling out a trillion dollars in tax cuts
-- mostly to the wealthiest .05% of Americans. The systematically
refused to pay for their spending. Medicare Advantage, the Bush
tax cuts, and all war spending were not paid for by the
Republicans.
Democrats will, in fact, ask the country to pay for the
government's spending once the recession is over. That won't be
popular, and Glenn Beck's face will explode, and the Tea Parties
will honk and bray, but that's the way it's done.
There are, of course, debates to be had about sensible levels of
spending. But I don't think you can honestly say Republicans
partake in those debates in good faith.
As to the government being able to "dictate" what you do with
your own money, you're not correct about that either.
There has NEVER been a time in the history of our Republic that
the government has not taxed people. The fact of the matter is no
one is entitled to 100% of what they earn.
You may not like that, and again, you may join the Tea Party in
bawling and wailing about this simple fact of life, but there it
is. It is not true that you are entitled to all of your own
money.
Again, there are good debates to be had about how much the
government ought to tax. I doubt Democrats like taxes as much as
you probably believe they do, and I would bet every DIME I have
in the bank their tax policies ultimately benefit you and
everyone to whom you are related by blood more than Republicans
do, but I don't know for sure. Again, there are debates to be had
about the LEVELS of taxation the government OUGHT to ask, but
there is just no question about the legitimacy of taxation.
victor| 2.28.10 @ 10:02PM
Simple reader:
"There has NEVER been a time in the history of our Republic that
the government has not taxed people."
The first income tax was during the civil war, 1861, 72 years
after the founding, repealed in 1872. Until then federal taxes
were tariffs and surcharges on imported goods.
The next one came in 1894 and ruled unconstitutional in 1895, but
that did not stop you buck grabbers. The income tax was imposed
in 1916 and was only supposed to apply to 1% of 3000, but was
jacked up by the dems to 77% to pay for WWI.
Even the self-sainted and thankfully departed FDR tried to tax
100% after 25000 in the 1940's.
The tax code has been used to rape the achievers and reward the
featherbedders.
When the truly sainted Ronald Reagan dropped the rates from 70%
down to 28% the revenues increased from 550Billion to
950Billion.
It's too bad that that dems owned the House, and therefore the
purse strings, we would not have had the deficits we had in the
1980's.
You need to read your history books, mr. reader and not your Dear
Leader's propaganda.
BTW what do you think is a fair proprtion of your salary that
should go to Charlie Wrangel and Bawney Fwank, eh?
victor| 2.28.10 @ 10:06PM
Simple Reader:
"Republicans for the past decade spent off the books like drunken
sailors,"
You obviously have never served in the military, much less than
the Navy, as you would know that "drunken" sailors spend their
own money, not yours.
"all the while doling out a trillion dollars in tax cuts --
mostly to the wealthiest .05% of Americans."
The top 1%, $328,000, account for 34% of the Federal Income
Taxes, while the Bottom 50%, 45,000, account for a whopping
2.7%.
The so-called tax cuts were a reduction in the rates and not a
giveaway as you characterize them.
Anyone who paid taxes got a reduction.
I'm sure you are unaware that 45% of taxpayers do not pay income
taxes.
How do you give those non-taxpaying taxpayes a tax reduction or
refund, unless it is a "welfare" check?
"As to the government being able to "dictate" what you do with
your own money, you're not correct about that either."
Where is the authority to mandate that we buy any product or
service?
Simple reader:
"We've spent TWO TRILLION dollars on the Iraq War alone.
Reliable sources, including Brookings, Sean Penn and the Kossack
Kids have estimated 600-900 Billion.
"It's a LIE."
That's what I said, glad you agree.
maynard thomson| 2.28.10 @ 3:08PM
Mr. Tucker errs in a significant detail, when he says:
"Corporate benefit plans, on the other hand, are all exempt from
state regulations under the Employees Retirement Income Security
Act (ERISA), which pre-empts state regulation."
The implication is that all but individual plans (6% of the
total) are immune from expensive state mandates--so why worry
about state mandates.
Not so. In Metropolitan Life. V. Mass., the S. Ct. held that
ERISA did not pre-empt state insurance mandates, whether bought
by corporations, or individuals. What is pre-empted, not by ERISA
but by federal labor law, are benefits provided by self-insured
employers under a collective bargaining agreement.
This is important, because state mandates are a huge impediment
to reducing insurance costs, and ought to be taken out, either by
state action, or federal pre-emption.
DaveinPhoenix| 2.28.10 @ 5:06PM
"Could it be that when nations become wealthy they decide to
purchase with that wealth a basic level of well being for their
citizens? Impossible!"
--Is a nation which is $50 trillion+ in debt (including SS,
Medicare, Medicaid) considered wealthy ?
Liberal Reader| 2.28.10 @ 7:18PM
Dave --
I'm sure the news has reached people even in Phoenix. The United
States of America is wealthy. It is very wealthy. It has a high
debt, to be sure, but it's credit rating is perfect.
Remember, the government's budget is NOT like a family's budget.
This is one of the oddest and least helpful analogies propounded
in our political discourse.
In hard economic times, wise families penny pinch and save. But
it is for this very reason that in hard times government spends.
In addition, there are many things that need to get done that the
free market cannot deliver well; those things are done by the
government. This is not to say the debt is not a problem. But
it's not the problem hysterics on the right make it out to be
(when the Republicans aren't in power and giving away the store
in wild frat-boy style spending sprees).
victor| 2.28.10 @ 10:09PM
Hairy Reider:
"Remember, the government's budget is NOT like a family's
budget."
The only difference is that when the family goes into the Red,
they cannot print more money as Reid, Pelosi and Obama can and
do.
Keynesian Economics is the second great hoax or delusion after
darwinism and just before global warming.
Liberal Reader| 2.28.10 @ 10:19PM
Victor --
So, you don't believe in evolution. You don't believe that
governments should stimulate the economy during recessions.
Tell me. Do you believe men landed on the moon in 1969, or do you
think that was a hoax?
Do you believe that the speed of a falling object increases as it
gets closer to earth because of gravity or because the spirit in
the object becomes increasingly overjoyed by its approach?
Margie| 2.28.10 @ 10:48PM
Wow, Liberal Reader. My husband just got done spending a decent
amount of time presenting you with historical fact, and this is
what you must resort to. Perhaps you might want to include a
helping of Toddard with that and accuse him of being a mentally
retarded adult pretending to be a child with a black, hateful
heart?
You certainly rank up there with the best of the Leftists, such
as Obama, Alynski, and Axelrod in your slick tactic of trying to
present your opposition as a whacko.
What about the EXCELLENT FACTS that he provided you with?
Wow, what a way of life you choose. I guess you are proud.
Fascist| 3.1.10 @ 6:34PM
Some words from Hitler:
"Hence today I believe that I am acting in accordance with the
will of the Almighty Creator: by defending myself against the
*Jew, I am fighting for the work of the Lord."
* You may replace it with: leftist thoughts.
P.S.: We also think black is hateful!
Liberal Reader| 3.1.10 @ 1:06AM
I only post the talking points I have been provided with by KOS.
My income as well as my opinion comes from them. To understand my
position please read. http://weeklystandard.com/blog.....ego-castro
Shamus| 2.26.10 @ 7:19AM
The peculiar structure of the tax code causes many serious problems. Congress has dozens of plans that allow tax free savings for various purposes. It would make more sense to set up a single plan that allows people to save for health care, retirement, education, purchasing a home, disability, or unemployment. Democrats for some reason always oppose any plan where an individual makes decisions for themselves, but they should be aware that collectivism has not worked effectively to provide for individual needs. They want to spread the wealth but all they wind up spreading is poverty.
Louis Jenkins| 2.26.10 @ 8:56AM
It would make more sense to set up a single plan that allows people to save for health care, retirement, education, purchasing a home, disability, or unemployment.
Health Care-Medicare and Medicaid, Retirement-Social Security, Education-Public Run, Purhasing a home-Fannie Mac and Freddie May= foreclosure, Disability-Social Security again, Unemployment-Unemployment benefits and Stimulus funded jobs.
They already have sizable control of the Land of the Free. The Federal Government, aka District of Crimminals, could not tolerate your personnal funds being placed in a private account for any contingency. They'd soon find a way to tax or confiscate it as has been proven.
These people cannot understand the Free Market. Let American character and enterprise work.
These people lay awake at night, scheming and planning ways to skin the producers, savers, or the financially aware. There is no limit to the means that they will employ.
Taxpayer| 2.26.10 @ 10:08PM
Also, money put into a tax-free account is no longer safe. Look at the Argentina example of how the government intruded on those accounts.
Bram| 2.26.10 @ 1:42PM
Wouldn't it make more sense to just stop taxing savings income and capital gains? Let me save waht money I can after income taxes and spend it as I see fit. I am an adult after all.
Al Adab| 2.26.10 @ 4:19PM
Bram,
That makes too much sense and takes the government out of the control business. After all they know what's best for us. Besides only "the rich" have savings and capital gains. (At least anymore)
heh:)
martin j smith| 2.26.10 @ 7:46AM
I will tell you what did not get said and maybe could not have: To Obama and the Democrat leadership:"This we know is a phoney "summit". We have already hear you expect to go the so called "reconciliation" route, if you do not get your way.. The American people need to realize that their government is broken. They will be victimized by a rogue democrat party and right now have no idea how bad it will get.
Dave Undis| 2.26.10 @ 9:04AM
The 3-year limit on payment for post-transplant drugs is a Medicare rule -- a government rule! If you buy health insurance from the private sector, your policy will probably NOT contain the 3-year limit. So Congressman Clyburn's story is hardly an argument for more government involvement.
Bob| 2.26.10 @ 6:33PM
Dave, you are factually wrong. Group and individual policies have dollar limits so you probably wouldn't even get to 3 years. Insurance companies are not stupid.... Besides, private insurance limitations on whether you can get the transplant paid for in the first place are far more restricted than Medicare.
wankel| 2.26.10 @ 9:10AM
>> What Didn't Get Said at the Summit
"It's Bush's fault"?
Gazinya| 2.26.10 @ 9:14AM
Where have all the flowers gone? They have gone to taxes, my son. A long time ago when I was young I read where The Kennedy struck out the medical exemption and replaced it with a 7.5% threshold. I thought at the time this is a joke. If I spend that much of my income on medical procedures, before I get to write it off, I probably won't live long enough to see the return. It was at this time that the Dems were really serious on making sure that no person 'slipped' through their patriotic duty to pay taxes. The Wrangles came up with a plan to tax the hidden wealth of those most agregious concubines of greed, the waitress. These women who were making minimum wage were skimming off the top from the coins left for their service. Not fair to The Pelosi or The Reid or even The Obama.
People, this is what the tea party is about. It is about going after these Lucifarians that boast $100,000 open bars in their taxpayer funded jets while we, the people, are being drained.
Ned| 2.26.10 @ 10:22AM
The biggest factor in the cost of health care in the US is government interference in terms and conditions, mandates for marginal services... and the various taxation effects on those not eligible for (or interested in) employer provided coverage ... so Dimocrats propose to resolve those issues with more government interference in terms and conditions, and mandates for marginal services? Makes as much sense as anything else that comes out of Fantasyland On The Potomac.
Bob| 2.26.10 @ 6:35PM
Actually, Ned, this is mandated by the states and not the federal government. The reason for this is to insure that more people are covered. If you left it up to insurance companies, they'd be far more restrictive. I know, I worked for one in group insurance.
JJ| 2.26.10 @ 11:20AM
I'm sure you are right. And I'm sure the Democrats want a Ginormous-Obamacare-Federal Office of National Health and Medical Authority. An apparatus the size of the Pentagon -- a towering inferno of health care taxation, directives, proclamations, vouchers, forms, 10-289's, F-16's, free aspirin dispensers, kleenex, sanctions, pamplets and a high commissioner for gall bladder procedures.
And a giant building on Pennsylvania Avenue: a Department of Healthcare Fortress with free flu shots and 4 helicopter pads and 5,000 government workers.
Eric Cartman| 2.26.10 @ 2:18PM
You say that like its a bad thing!
JJ| 2.27.10 @ 1:20PM
Yes, a $1,000,000,000,000,000,000 bad thing.
Eric Cartman| 2.27.10 @ 6:12PM
WOW! Well, I guess that is a bad thing. We probably shouldn't do it, then. But the Dembamacrats won't listen to reason. We may have to give them High Colonics, sort of like water boarding but only different.
Al Adab| 2.26.10 @ 11:33AM
A lot of Left argument as is typical based on anecdote rather than systemic thought. How much of medical costs are the result of pre-existing regulatory imposts for example? Why do these debates always proceed from a baseline of "What must the government do?" Why do we assume government action- proven so sucessful over the last 50 years- is the best "solution" to an issue?
The President performed in a condescending, patronizing attitude although to give him the benefit of the doubt, as Bush would have said, "in Texas we call it talking". Maybe in Chicago that's how they talk. It did however seem as though his mind was already made up and no proposal would find its way past the ideological firewall.
Why are so many good concepts and tort limits not part of this proposal, this bill? Sort of like Cod liver oil, "Take it, it's good for you."
JC| 2.26.10 @ 12:16PM
As a previous employer of fifty plus this article seems miss-leading. You can not purchase health insurance in a state from a company that does not meet state requirements i.e mandates states require that other states do not. You can always design plans but not eliminate those special mandates.
William Tucker| 2.26.10 @ 3:48PM
You're right. But companies that have ERISA plans aren't buying insurance. They are forming their own pools and self-insuring. Therefore they are exempt from state mandates. In fact they based their case for exemption on the point that it would be impossible to operate in different states while conforming with all the conflicting state mandates.
Bob| 2.26.10 @ 6:38PM
But that negates one of your other points, Tucker. Most of the self-insured plans use approved state policies. I was in the business, I know. Companies don't create their own policies, they just assume the risk through a reinsurance arrangement. Besides, most large company policies offer more than the major medical offered to small companies and individuals.
Gerald Stephens| 2.26.10 @ 2:40PM
CROSSROADS...
The choice of direction is straight forward - a structure created by central control wherein collective submission to historically proven failed concepts are forced upon the structure or one yielding the freedom envisioned by the Nation's founders.
Mr. Obama has clearly demonstrated that his grasp of anything is fatally deficient. We are at the moment a leaderless nation on the precipice of potential collapse.
Barring unforeseen circumstances, the plague associated with leaderless incompetence will persist for the specified time. Our survival is directly dependent upon the instincts inherent in a free people's individualism.
We do have a luxury denied many - elections. November 2010 will reveal which of the crossroads will be traveled.
Grald Stephens
Hartford, CT
Lullaby's, Legends and Lies| 2.26.10 @ 5:33PM
Gerald: We'll be taking a right at those crossroads you referred too come November, better known as the path less traveled, the more difficult choice, the straight and narrow path. The one where you earn what you get, and keep what you earn, the way America used to do it, and they way we have to do it again. No more free lunches!! Boohoo!!
tom poole| 2.26.10 @ 3:01PM
I told my wife about 6AM yesterday that all the Republicans would hear was "it s' in the bill", and was I ever right. It took less than 1 1/2hours for Obama to say it three times, then I shut off the TV. There is no quesgtion he is the most supercilious man I have ever seen in public office we cannot get rid of him soon enough, at what point does disregarding the Constitution become a "high crime" subject to impeachment?
Bill Bettag| 2.26.10 @ 3:02PM
Good article and summary of the summit. The open market place and transparency of fees are what is needed in health care, and HSAs are a step in the right direction of pursuing that goal. The area where the insurance companies do carry the blame along with the medical community is the bogus "network discount" pricing system that has been established. What legitimate business can bill out at enormous billing rates, but then through the magic of insurance "network discounts" accepts 10 cents on the dollar if you happen to be covered under that employer sponsored health plan? Only in the medical field. Even with HSAs, this is a major draw back in having individuals becoming better consumers of health care. It is very difficult today to find out what you will be charged for health care until well after the procedure has been completed.
Bob| 2.26.10 @ 6:43PM
Tucker, this article is a joke, isn't it? The truth is that Republicans (and I'm one of them) really don't want any change. If they wanted things like tort reform and selling across state lines they would have passed it when they had control of the Presidency and the Congress.
The real truth here is that Republicans (and the Democrats as well) don't want to cut health care costs because doing so will make their reelection coffers smaller. It is disingenuous to say that Republicans really want to solve health care problems. In addition, the real reason Republicans don't want to reform Medicare is that they receive more votes from seniors than Democrats so they won't touch anything that might say, "We're going to let Grandma die!"
MikeBee| 3.1.10 @ 12:32AM
Bob,
You're way off here. Blue Cross/Blue Shield of Michigan, one of the largest health insurers in the world, supported DEMOCRAT Jennifer Granholm for governor of Michigan, not the Republican. After winning, she did them some favors via legislation.
The smart insurance companies will send $$$$ to both Dems and Repubs, simply to protect themselves. The dumb ones tend to support Democrats, like Blue Cross.
Liberal Reader| 2.26.10 @ 7:36PM
State regulations have been found effective because health care is sold at a local level: you can't do mail-order surgery. Mail-order insurance would be about as ineffective.
The Republican's "plan" to offer insurance across state lines would simply start a race of companies to take seats in states that regulate them the least, leading to more families being sunk under spiraling medical costs. Insurers would charge more for fewer benefits.
The problem with the Democrats' plan is that it does NOT undermine the free market basis of American health care. If this really were a "government take over," it wouldn't be 2,000 pages, it'd be 20. The complexity comes because it simply tries to regulate an industry into civilized behavior. It's a hopeless sham, of course. As long as companies PROFIT by cutting benefits and increasing premiums, the American people will continue to be shafted.
Bob| 2.26.10 @ 8:06PM
I'm afraid you don't know what you're talking about, Liberal. Cars are also sold by local dealerships. If you live in Minnesota are you going to have your car serviced in Georgia? Your logic makes no sense.
Since I worked in the group insurance industry, I can tell you the reason you have state regulation is that insurance regulation is a state function -- both auto and health. In fact, if you're a "national" insurance company, you have filed policies in every state -- each of them following that state's regulatory limitations. We sold group insurance policies nationwide and had one claims operation.
Therefore, selling across state lines is certainly possible and it doesn't undermine the states regulatory responsibilities. The anti-monopoly measure is currently the only limitation. Therefore, getting rid of that measure would allow companies to compete nationally just by filing policies in those states. But the Republicans want to go further allowing you to choose the level of coverage you desire. As long as these policies are approved by the state, that's fine with me.
Insurance policies are nothing but private contracts between the insurance company and groups/individuals. Therefore, consumers will soon learn what each policy covers and what it doesn't cover -- just like auto insurance.
And don't denigrate insurance companies. Private enterprises are supposed to make a profit. That's is the American way. The way you lower costs is to increase competition and prevent monopolies. Eventually, competition will lead to lower rates.
Your problem is that you consider health care to be a right, not a privilege. If you believe it to be a right, you should argue for Medicare for all, and not the hodge podge we now have. By the way, many of the health insurance companies are mutual which means they are owned by the policy holders. Profits are distributed to them. For example, both my my auto insurance and health insurance companies are mutual. For example, a number of Blue Cross-Blue Shield health insurance operations are mutual. So there really is currently a "public option".
You really need to learn more about insurance companies.
Liberal Reader| 2.26.10 @ 10:45PM
Bob --
I may not be able to predict exact behaviors of insurance markets if they are permitted to sell across state lines, but when we come to the morality of this issue, I'm confident:
It is immoral to let people go without health care if they are too poor to pay for it.
Indeed, few would want to live in a society where people collapsed and died on sidewalks near hospitals for lack of money to pay for treatment.
Republicans at this point usually jump in to declare that the poor do NOT die on sidewalks; that they are cared for whether they can pay or not.
Well, then we all agree that health care is a social responsibility; that they wealthy should help pay for the poor; that the healthy should help pay for the sick; that the young should help pay for the old.
Health insurance has had DECADES to provide coverage that the people can afford and it has failed to do so. Coverage is becoming more expensive and offering fewer benefits every year, far beyond the rate of inflation.
The Republicans are right on one thing. One it comes to health care reform, we should scrap the current bill and start over. Where should we start? With the kind of plans that cover every other wealthy democracy on earth. Single payer, social medicine. I'm happy to help pay for others if they are sick, and I'm sick of greed being defined as a virtue.
Charles Stevens| 2.27.10 @ 3:52PM
No, we do NOT "all agree that healthcare is a social responsibility." Like all progressives, you are unable to think clearly because you are unwilling to both make distinctions and to employ hierarchies. Here are a few questions that may help:
1) Why do you conflate health care and health insurance?
2) Do you understand that the instances of poor currently being cared for are examples of government interference in healthcare already in extent?
3) Why are you comfortable with more reliance on government (i.e., more government control) instead of more trust in your fellow (individual) man?
4) Why do you not perceive a difference between voluntary charity and forced welfare?
5) Why do you believe that the government has not already been greatly involved in those areas of healthcare with which you are now unhappy?
6) Do you agree or disagree with the thesis that where government is already involved, the more it needs to get involved, in a never ending feedback loop?
Until & unless you can honestly answer such questions, you will be hopelessly mired in the absurdity of semantic games and postmodernist narratives that passes for progressive thinking.
Liberal Reader| 2.27.10 @ 9:13PM
Setting aside your cultural analysis (that I'm mired in "postmodernist narratives"), I've given thought to your questions and am prepared to offer some answers. I won't answer all of them, but I will answer some.
1. I don't "conflate" health insurance with health care. I think health insurance is a stupid idea. People should prosper and grow wealthy making useful, good things, not turning sick people away from doctors. The whole problem is that we do not HAVE a health care system.
2. When the poor receive treatment it is usually paid for by a mix of government funds, charity, and people who pay health insurance premiums. This is a stupid way to care for the poor, and everyone knows it.
3. There's no stark difference between the government and my "fellow man." In this country, the government is responsible to the people. Charity does wonders, and people can be very generous, of course, but it doesn't do enough.
5. Government is indeed involved in health care. But it's not involved enough.
We need to stop looking at health care as a COMMODITY. It is not a commodity. It is a necessary precondition to participation in the free market, like education. So, like education, it should be affordable to all, if not free.
To do this, we'd have to pay more taxes, no question. We'd also be FREE, however, of fearing that a catastrophic medical emergency will cost us our house, family business, or children's college education.
The way we do things now is STUPID. It doesn't work; it makes a bunch of fat cats rich, and the rest of us have to try to live with it. Well, I say to hell with it.
Charles Stevens| 2.26.10 @ 9:28PM
The peculiar lack of logic evidenced by Democrats during the healthcare summit is not so peculiar. Like all progressives, they are steeped (or possibly marinated) in semantic games and postmodernist narratives. A good example is their incessant fallback to tear-jerking anecdotes... they cherry-pick a symptom, mistake it for a cause, and declare a crisis.
On a larger scale, the whole premise of this summit was faulty. Obama and the progressives predicated their approach on their definition of bipartisanship: Move to the right side of the ship while it's still steering hard left.
Jim O'Brien| 2.27.10 @ 2:51AM
The Obama plan (which seems to change every hour) would force an estimated 20 million more Americans into Medicaid or some form of government insurance. How?
The feds would further dictate: 1) coverage of those with pre-existing conditions; 2) deductibles; 3) co-pays; and 4) coverage in general. Result? Premiums skyrocket and some insurers exit the business altogether. The Obama plan includes new taxes on medical providers, including drug companies, medical device manufacturers, hospitals, and doctors. Result? The cost of medicine goes up. Obama would also collect new taxes on employer-sponsored plans. Result? The cost of insurance goes up.
The Obama plan is designed to make more people resort to Medicaid, and be in favor of government-run medicine. Government (federal, state, local) is already involved in 50% of medicine in the U.S.
More government is not the solution. Government is the problem. We have the best medical care in the world as a result of free enterprise, and despite the government's meddling. What we need is more freedom of choice.
Tenn Slim| 2.27.10 @ 7:05AM
Opine
The OBNA Leftist base, Oval office sofa sitters, simply laid out the Summit agenda, and the OBNA folks followed thier script.
bt
Understanding how the system actually works is a true jigsaw puzzle. Eye glazing, for sure. More Commissions,? no. More Logistics Analysis, YES? In order to effectively solve the "problem", take one and only one part. Examine it as a Methods Analysis Ops Research effort. Do the same, as if we were following the Leftist Dots on Discover the Networks site. Anyone with a ounce of sense, knows you cannot take the whole pie and understanding the innards. Your MUST go to the basic recipe, of each and every ounce of detail. Truly an ornerous job, not one to be trusted to Leftists. We already know that they cannot find thier bu.. with both hands.
end
Semper FI
Susan Eno| 2.27.10 @ 10:39AM
The author obviously doesn't live in Massachusetts. I do and I just got our new insurance rates to starat April 1st. Our high deductible plan is going up up from $1204.28 per month to $1797.28 or $14451 per year to $21567 per year for our family. We changed to this plan several years ago because the HMO type plans went up too much now this is too expensive also. At about $21000 per year it's almost reasonable to self-insure (go without) and take chances that nothing really serious happens. We pay $2500 deductible per event before this insurnace kicks in. That means if I got run over by a drunk driver the first $2500 cost is my responsiblity. All drug costs are paid out of pocket and on and on. Of course we don't contribute to the health savings account part of this deal because with monthly costs as high as this there is nothing left. After 3 years of 99% of people covered by insurance in our state this is how much the prices have gone up. All the people across the country who think that universal coverage will make everything more affordable think again. And high deductible catastrophic policies - again not affordable the new rates from Massachsetts as of April 1st prove otherwise.
Larry| 2.27.10 @ 3:13PM
I think the country has, for the first time in its history, run into one of the more intractable problems it has encountered (Susan's e-mail above reminds me of that). I've scolded everyone from health benefits executives to insurance company representatives for years that the health care industry was headed for something like the chaos presented by the Obamacare legislation. People would get so fed up with things that universal or national health insurance would begin to sound palatable. The truth is, it is not, but because the system is so structurally unsound in many respects it can appear that way.
But I don't pretend to have a solution. Nothing appears to work very well. I think the first thing we must abandon is our own welfare state mentality, and then rethink this issue in terms of (1) how our technology has affected the problem; (2) how extended life spans affect the health care system; (3) how the changes in our expectations and our social arrangements have contributed to the problem.
I still blame Medicare/Medicaid in some measure for the spiraling of health care costs. I know it is not the only reason, but it has created certain expectations in the minds of the public, the medical community, and the administrative types in both government and the private sector about how health care should be provided and paid for. We have to think of how it should be paid for in a new way. I wish I knew how. But I still think the Republican proposals are for the interim better measures. People have to quit thinking that there is one grand solution to this problem. There isn't. Life's hard; life's a bitch and then you die. It may sound harsh, but until we steel ourselves to that reality no solution will work for anyone.
Lord Karth| 3.1.10 @ 12:05AM
Real "health care reform" begins by acknowledging one basic fact:
Everybody dies.
Jack| 2.27.10 @ 9:07PM
When in doubt, always employ forced association ....the alternative is very scary to those who are psychologically/intellectually dependent on gov't: free association among free individuals.
Northern Rebel| 2.28.10 @ 12:53PM
Liberal Reader:
Did you get an erection saying we must raise taxes? Did you say there is no difference between government, and "fellow man", which I take it you mean American citizens?
WOW!
Conservative America's goal, is to keep people like you, as far away from political power as possible.
The government runs the post office so well, let's give them 17% of the GDP! If UPS or Federal express was allowed to deliver mail. the USPS would be out of business in a month.
If we could get the government control they already have out of healthcare, or health insurance, prices would drop dramatically. We would be able to compete across state lines, and reduced the ambulance chaser's influence on premiums. Americans are notorius for shopping for the best price.
The present system gives people the impression that someone else is paying for their health care. Being put back in charge of their care, will change the nature of the way insurance is purchased.
We don't have to raise taxes, Mr. Liberal Reader. In the nineties, with a republican congress thwarting Clinton's socialist economic policies, we grew our way out of a deficit, and set records for tax revenue.
If you get gummint out of the way, American Know-how will triumph without a nanny state looking over our shoulder.
If you're looking for a babysitter, move to NYC, where the mayor tells you where and when you can smoke, whether you can consume trans-fats, salt, or sugar.
If government gets it's hands on our healthcare system, everything we do will instantly become a "health issue". We will be told what where , and when to do EVERYTHING! What you drive, what you eat, where you live, what kind of lightbulbs, WHAT KIND OF TOILETS, will become a "health issue".
That is Mr. Liberal Reader's perfect world.
That's the way the "elite intelligensia" like Mr. Liberal Reader wants it. He figures to be part of the proletariat and not be subject to the same things he demands of the"great unwashed".
Our founders created America for Americans. If you don't want to be an American, go where the socialists are, don't try to turn America into Switzerland, Mr. Liberal Reader!
Liberal Reader| 2.28.10 @ 4:30PM
Free market health care approaches are plentiful in the world. Indeed, most countries in Africa and S. America have them. If you have enough money, you can see a doctor. If not, too bad. No taxation is required for these services, since none are guaranteed by the government.
You'll notice that no wealthy democracies are among those nations who choose the free market route. I wonder why that is.
Could it be that when nations become wealthy they decide to purchase with that wealth a basic level of well being for their citizens? Impossible!
We've spent TWO TRILLION dollars on the Iraq War alone. The notion that we can't afford health care for all American citizens is absurd. It's a LIE.
Modest taxation would be required, of course, and I'm not ashamed to admit it.
The difference these days between liberals and conservatives is that conservatives try to convince you they can spend money while cutting your taxes and liberals don't. Take your pick.
In the end, a society in which the wealthy help pay for the poor, the healthy for the sick, and the young for the old is more sane, more just, more productive, and YES, more FREE, because its people can turn their minds from fretting about something as basic and necessary as seeing a doctor to other concerns.
Margie| 2.28.10 @ 6:45PM
"The difference these days between liberals and conservatives is that conservatives try to convince you they can spend money while cutting your taxes and liberals don't. Take your pick."
~LIE. But what else is new? Conservatives tell you that you need to cut spending while lowering taxes.
"In the end, a society in which the wealthy help pay for the poor, the healthy for the sick, and the young for the old is more sane, more just, more productive,"
~The government doesn't get to dictate what I or any American citizen does with our own money. Dream on about your Socialist Utopian fantasy. By God's Mercy and Grace it will never happen.
"Besides this you know what hour it is, how it is full time now for you to wake from sleep." Rmns. 13:11.
Well, we are waking from sleep! No more voting Democrat. The Party of Big Government Socialism.
Margie| 2.28.10 @ 6:50PM
This one should work~
http://www.pjtv.com/video/Klav.....ypes/3155/
Liberal Reader| 2.28.10 @ 7:11PM
Margie --
Republicans for the past decade spent off the books like drunken sailors, all the while doling out a trillion dollars in tax cuts -- mostly to the wealthiest .05% of Americans. The systematically refused to pay for their spending. Medicare Advantage, the Bush tax cuts, and all war spending were not paid for by the Republicans.
Democrats will, in fact, ask the country to pay for the government's spending once the recession is over. That won't be popular, and Glenn Beck's face will explode, and the Tea Parties will honk and bray, but that's the way it's done.
There are, of course, debates to be had about sensible levels of spending. But I don't think you can honestly say Republicans partake in those debates in good faith.
As to the government being able to "dictate" what you do with your own money, you're not correct about that either.
There has NEVER been a time in the history of our Republic that the government has not taxed people. The fact of the matter is no one is entitled to 100% of what they earn.
You may not like that, and again, you may join the Tea Party in bawling and wailing about this simple fact of life, but there it is. It is not true that you are entitled to all of your own money.
Again, there are good debates to be had about how much the government ought to tax. I doubt Democrats like taxes as much as you probably believe they do, and I would bet every DIME I have in the bank their tax policies ultimately benefit you and everyone to whom you are related by blood more than Republicans do, but I don't know for sure. Again, there are debates to be had about the LEVELS of taxation the government OUGHT to ask, but there is just no question about the legitimacy of taxation.
victor| 2.28.10 @ 10:02PM
Simple reader:
"There has NEVER been a time in the history of our Republic that the government has not taxed people."
The first income tax was during the civil war, 1861, 72 years after the founding, repealed in 1872. Until then federal taxes were tariffs and surcharges on imported goods.
The next one came in 1894 and ruled unconstitutional in 1895, but that did not stop you buck grabbers. The income tax was imposed in 1916 and was only supposed to apply to 1% of 3000, but was jacked up by the dems to 77% to pay for WWI.
Even the self-sainted and thankfully departed FDR tried to tax 100% after 25000 in the 1940's.
The tax code has been used to rape the achievers and reward the featherbedders.
When the truly sainted Ronald Reagan dropped the rates from 70% down to 28% the revenues increased from 550Billion to 950Billion.
It's too bad that that dems owned the House, and therefore the purse strings, we would not have had the deficits we had in the 1980's.
You need to read your history books, mr. reader and not your Dear Leader's propaganda.
BTW what do you think is a fair proprtion of your salary that should go to Charlie Wrangel and Bawney Fwank, eh?
victor| 2.28.10 @ 10:06PM
Simple Reader:
"Republicans for the past decade spent off the books like drunken sailors,"
You obviously have never served in the military, much less than the Navy, as you would know that "drunken" sailors spend their own money, not yours.
"all the while doling out a trillion dollars in tax cuts -- mostly to the wealthiest .05% of Americans."
The top 1%, $328,000, account for 34% of the Federal Income Taxes, while the Bottom 50%, 45,000, account for a whopping 2.7%.
The so-called tax cuts were a reduction in the rates and not a giveaway as you characterize them.
Anyone who paid taxes got a reduction.
I'm sure you are unaware that 45% of taxpayers do not pay income taxes.
How do you give those non-taxpaying taxpayes a tax reduction or refund, unless it is a "welfare" check?
"As to the government being able to "dictate" what you do with your own money, you're not correct about that either."
Where is the authority to mandate that we buy any product or service?
Margie| 2.28.10 @ 6:48PM
What Liberals Believe:
http://www.pjtv.com/video/Klav.....ypes/3155/
victor| 2.28.10 @ 10:25PM
Simple reader:
"We've spent TWO TRILLION dollars on the Iraq War alone.
Reliable sources, including Brookings, Sean Penn and the Kossack Kids have estimated 600-900 Billion.
"It's a LIE."
That's what I said, glad you agree.
maynard thomson| 2.28.10 @ 3:08PM
Mr. Tucker errs in a significant detail, when he says:
"Corporate benefit plans, on the other hand, are all exempt from state regulations under the Employees Retirement Income Security Act (ERISA), which pre-empts state regulation."
The implication is that all but individual plans (6% of the total) are immune from expensive state mandates--so why worry about state mandates.
Not so. In Metropolitan Life. V. Mass., the S. Ct. held that ERISA did not pre-empt state insurance mandates, whether bought by corporations, or individuals. What is pre-empted, not by ERISA but by federal labor law, are benefits provided by self-insured employers under a collective bargaining agreement.
This is important, because state mandates are a huge impediment to reducing insurance costs, and ought to be taken out, either by state action, or federal pre-emption.
DaveinPhoenix| 2.28.10 @ 5:06PM
"Could it be that when nations become wealthy they decide to purchase with that wealth a basic level of well being for their citizens? Impossible!"
--Is a nation which is $50 trillion+ in debt (including SS, Medicare, Medicaid) considered wealthy ?
Liberal Reader| 2.28.10 @ 7:18PM
Dave --
I'm sure the news has reached people even in Phoenix. The United States of America is wealthy. It is very wealthy. It has a high debt, to be sure, but it's credit rating is perfect.
Remember, the government's budget is NOT like a family's budget. This is one of the oddest and least helpful analogies propounded in our political discourse.
In hard economic times, wise families penny pinch and save. But it is for this very reason that in hard times government spends. In addition, there are many things that need to get done that the free market cannot deliver well; those things are done by the government. This is not to say the debt is not a problem. But it's not the problem hysterics on the right make it out to be (when the Republicans aren't in power and giving away the store in wild frat-boy style spending sprees).
victor| 2.28.10 @ 10:09PM
Hairy Reider:
"Remember, the government's budget is NOT like a family's budget."
The only difference is that when the family goes into the Red, they cannot print more money as Reid, Pelosi and Obama can and do.
Keynesian Economics is the second great hoax or delusion after darwinism and just before global warming.
Liberal Reader| 2.28.10 @ 10:19PM
Victor --
So, you don't believe in evolution. You don't believe that governments should stimulate the economy during recessions.
Tell me. Do you believe men landed on the moon in 1969, or do you think that was a hoax?
Do you believe that the speed of a falling object increases as it gets closer to earth because of gravity or because the spirit in the object becomes increasingly overjoyed by its approach?
Margie| 2.28.10 @ 10:48PM
Wow, Liberal Reader. My husband just got done spending a decent amount of time presenting you with historical fact, and this is what you must resort to. Perhaps you might want to include a helping of Toddard with that and accuse him of being a mentally retarded adult pretending to be a child with a black, hateful heart?
You certainly rank up there with the best of the Leftists, such as Obama, Alynski, and Axelrod in your slick tactic of trying to present your opposition as a whacko.
What about the EXCELLENT FACTS that he provided you with?
Wow, what a way of life you choose. I guess you are proud.
Fascist| 3.1.10 @ 6:34PM
Some words from Hitler:
"Hence today I believe that I am acting in accordance with the will of the Almighty Creator: by defending myself against the *Jew, I am fighting for the work of the Lord."
* You may replace it with: leftist thoughts.
P.S.: We also think black is hateful!
Liberal Reader| 3.1.10 @ 1:06AM
I only post the talking points I have been provided with by KOS. My income as well as my opinion comes from them. To understand my position please read.
http://weeklystandard.com/blog.....ego-castro
mili8951| 5.10.10 @ 2:30AM
http://www.edhardycawholesale.com/
سوريا| 6.25.11 @ 1:40AM
vvvvv
Air Jordans| 8.14.11 @ 10:55PM
is good