Free Markets, Free People

ObamaCare

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Blaming the victim

So, I got this email from the TEA Party Express people. It starts:

We are saddened to see today that the political establishment in Washington DC continues to do the only thing they seem to know – kick the proverbial can down the road. Instead of repealing, defunding or at least delaying the atrocious Obamacare, the political elites are content to let the "train wreck" happen at the expense of the American people.

Now, look, I’m really sympathetic to the goals of the TEA Party. If it was up to me, the executive departments of the Federal Government would consist of State, Defense, Treasury, Justice, and Interior. We’d have a balanced budget amendment. There would be no federal-level entitlements. Basically, the federal government’s primary responsibility would be sound money and talking to or killing foreigners as required.

But this is just a bit tendentious. It’s not “political elites” that gave us Obamacare, or who are preventing it from being overturned. It’s Democrats. The problem isn’t that Republicans have some secret admiration for Obamacare that prevents them from getting rid of it. The problem is that Republicans control 1/2 of 1/3 of the government. They have no political way to force the repeal of the ACA. They don’t control the senate—or even have a majority in it—and they don’t control the White House. Since we don’t have government by magical pixie dust, but by actual votes in actual legislative bodies and approval by the president, what possible path to ACA repeal was on the table?

The Tea Party and conservatives got short end of the stick on today’s announced budget "compromise."   Enough Republicans in the Senate and the House are ready to give the Democrats everything they wanted and rendered the principled stand led by Ted Cruz, Mike Lee, and others a futile effort.

No. It was a futile effort before it began. The principled stands of some Republicans were irrelevant, because they had no power whatsoever to translate their stands into concrete action. Nor, apparently, were the Democrats in the Senate or White House particularly worried enough about negative public opinion to yield. SO, where was this going to go? Partially shutting down the government forever? Stopping Social Security and Medicare payments? I mean, what, precisely, was the end game that got to Obamacre repeal with the current senate and president? Hey, while we’re on the subject, what was the plan that the Republicans had—or that Ted Cruz had—prior to shutting down the government? I mean, other than, you know, hope.

To put it plain and simple: we don’t have enough conservatives in Congress to stop the irresponsible spending in Washington.

Yes. Exactly. Which everyone else knew early in November of 2012, just as they knew the next chance to repeal the ACA, barring its spectacular failure, would be after 2014 at the earliest.

We have seen 5 years of the Obama Administration and no successful negotiations have taken place except the sequester, which was Obama’s idea because he never thought it would actually happen!

So, by what sophistry of reason did anyone assume Obama would negotiate over Obamacare?

This is simply unacceptable.  The Republicans have had 5 years to try and make some progress in remedying the financial ills that plague our nation’s future, and have made little to no progress.

I guess that makes you wish you’d had a massive GOTV effort in 2012, huh? But that didn’t happen, and millions of Republican voters stayed home. So we got a Democrat-controlled Senate, and Barack Obama went back to the White House.

The predictable result was that Obamacare was not—and with Democrats controlling the Senate and White House, will not—be repealed in the foreseeable future.

Are there some Republicans who could be described as insufficiently conservative? Yeah. Sure. So what? They aren’t the fundamental problem here. They aren’t the ones who voted for it in the first place, either.

If you want the ACA repealed there’s a simple way to do it: Win elections. Like Cory Booker just did in New Jersey, which sent another Democrat to the Senate.


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ObamaCare: Patience is not an American virtue

Experts tell you that you have about 2 seconds to have your webpage download (or at least begin to download) or the person who clicked the link is likely to move on.  We Americans are not a patient people.

So how has that impacted the ObamaCare debacle?  Well, since the disastrous launch of the exchanges, there’s been a huge drop off in attempts:

The number of visitors to the federal government’s HealthCare.gov Web site plummeted 88 percent between Oct. 1 and Oct. 13, according to a new analysis of America’s online use, while less than half of 1 percent of the site’s visitors successfully enrolled for health insurance the first week. …

Based on a sample of two million users — or 1 percent of all online users in the U.S. — which Millward Brown Digital has permission to track, it suggests that the rush of traffic administration officials cited as the cause of the site’s problems trailed off within a matter of days.

Of the 9.4 million unique visitors to the site during the launch’s first week, according to the analysis, roughly a third attempted to register, and a third of that number — 1.01 million — completed registration. Ultimately, roughly 36,000 Americans signed up for an insurance plan online, the report said.

Not that I’m upset, but 36,000 out of 9.4 million is just incomprehensible incompetence at work.

Yet Kathleen Sebelius still has the “full confidence” of the other incompetent in office – one Barack Obama.  No surprise there.  No accountability either.

Meanwhile for those that do manage to get through, sticker shock is sure to await them.

~McQ


Well, that didn’t take long

Last night, on the podcast, I predicted the Republicans would fold on Obamacare, end the shutdown, and avoid a technical default on the debt. Less that 24 hours later, it appears that the Republicans have decided to celebrate the Columbus Day holiday by folding. The word is—as of 1:30pm Pacific Time—that the government will be funded through 15 Jan 2014, and the debt ceiling to around 15 Feb 2014. All is proceeding as I have foreseen.

My position, as a strategic matter, was that the Republicans have simply been galactically stupid. The reality is that Obamacare, with the current Senate and President, will not be repealed. If the republicans, therefore, were not prepared to shut the government down for as long as the sun burns hot in space, they shouldn’t have shut it down at all.  Moreover, even if we assume, arguendo, that the Republicans were prepared to shut down the government forever, they shouldn’t have done it this month.

Alternatively, they could’ve sent up a temporary debt limit increase first, and ensured that was in place, and then shut the government down. At least that way, they could have a long-term shutdown without the specter of default hanging over it.

Then, they should have delayed shutting down the government until after the Obamacare rollout, which everyone with an ounce of sense knew was going to be a failure. Assuming they could have gotten the senate to sign on to a clean budget deal that would’ve funded the government for some period of time, that would’ve made the Obamacare rollout failure the top story last week. Instead it got overshadowed by the budget fight and the shutdown. The Republicans effectively did the Obama administration a favor. Otherwise, they could’ve waited until the failure of the Obamacare rollout was clear, then could’ve offered to delay the personal mandate for a year, to match the business mandate delay, as a gesture of good will to give the Administration some time to "get the system fixed."

Sure, the Republicans—or at least a plurality of them—were elected to repeal Obamacare. Sadly, the electorate as a whole didn’t provide them with the political power to make that happen. Those Republicans, therefore, cannot simply wave a handful of magical fairy dust and make Obamacare disappear. Absent a new resident of 1600 Pennsylvania Avenue, or the program’s collapse under its own weight, Obamacare will be the law until 2017. That’s just an undeniable fact.

The shutdown was a big game of chicken. The problem is that I firmly believe that President Obama is fully willing to have the US technically default on its debt rather than agree to let Obamacare loose. He isn’t going to veer away at the last minute. He’ll go all the way to default, then blame Republicans for it, and his water carriers in the media will be glad to repeat that message. As Michael said last night on the podcast, at the end of the day, this isn’t about the debt, or default, or Obamacare. It’s about taking the chance to destroy the Republican Party’s opposition.

And again, I go back to my oft-stated position that I want Obamacare implemented. The electorate effectively voted for it, they rejected the chance to repeal it, so they should get it. good and hard.

All the government shutdown did—a shutdown that the republicans didn’t have any plan to implement, by the way—is expose the Republicans as ineffective and, ultimately, feckless. So, this appears to be ending exactly as I knew it would, with the Republicans having accomplished nothing but cause an unnecessary uproar for a couple of weeks, and obscure the Obamacare rollout’s failure.

It doesn’t do much real-world good to temporarily stand for your principles, without any thought-out plan or strategy, knowing you will eventually cave, with the inevitable result of making it measurably more difficult to stand for your principles in the future.

In basic weapons training, one of the first things you learn is that you never pull a gun on someone unless you’re fully ready to put two rounds into the body and one to the head. In this case, the Republicans pulled the gun, brandished it wildly for dramatic effect, and now appear to be ready to calmly snap it back into the holster.

Fail.


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The dirty little secret of the ObamaCare scam

Remember, it’s called the “Affordable Care Act” officially, but in reality, it is anything but that.   The purported purpose of the act was to provide a means for people and families to buy affordable health insurance if they weren’t insured.  But, in fact, reality is proving this to be the usual smoke and mirrors government usually manages to produce.   Not only is the insurance more expensive in many cases, it has a higher deductible as well.  From the Chicago Trib.

Adam Weldzius, a nurse practitioner, considers himself better informed than most when it comes to the inner workings of health insurance. But even he wasn’t prepared for the pocketbook hit he’ll face next year under President Barack Obama’s health care overhaul.

If the 33-year-old single father wants the same level of coverage next year as what he has now with the same insurer and the same network of doctors and hospitals, his monthly premium of $233 will more than double. If he wants to keep his monthly payments in check, the Carpentersville resident is looking at an annual deductible for himself and his 7-year-old daughter of $12,700, a more than threefold increase from $3,500 today.

“I believe everybody should be able to have health insurance, but at the same time, I’m being penalized. And for what?” said Weldzius, who is not offered insurance through his employer. “For someone who’s always had insurance, who’s always taken care of myself, now I have to change my plan?”

Do a little math. You are someone who hasn’t been able to afford health insurance in the past. The $1,000 a month you had to pay for your family is unaffordable. So you opt into this system assuming the premium will be lower (Well, you don’t “opt” in, you are required to enroll and pay). And to your joy, it is. Only $500 a month, something you can barely afford, but at last you have insurance.

But wait, there’s more:

To promote the Oct. 1 debut of the exchanges, the online marketplaces where consumers can shop and buy insurance, Obama administration and Illinois officials touted the lower-than-expected monthly premiums that would make insurance more affordable for millions of Americans. But a Tribune analysis shows that 21 of the 22 lowest-priced plans offered on the Illinois health insurance exchange for Cook County have annual deductibles of more than $4,000 for an individual and $8,000 for family coverage.

Those deductibles, which represent the out-of-pocket money consumers must spend on health care before most insurance benefits kick in, are higher than what many consumers expected or may be able to stomach, benefit experts said.

By comparison, people who buy health insurance through their employer have an average individual deductible of just more than $1,100, according to the Kaiser Family Foundation.

An $8,000 family deductible.  So instead of paying $13,100 a year for family coverage that you couldn’t afford (along with a $1,100 deductible you might have been able to struggle through)  you get to pay $14,000 (including deductible) before the insurance you have begins to kick in.

What a deal.  And that, of course, assumes that you can find a doctor that will take your insurance.  Of course that likely won’t matter since unless you have a health care emergency over $14,000 you’re going to be paying cash anyway.

Oh, and don’t even think about saying “screw it” unless you want the IRS on your rear end.

Haven’t enrolled yet?  Get on it, dude.  And good luck (you may up having to pay the penalty anyway because you can’t find a way to enroll):

CNN senior medical correspondent Elizabeth Cohen has been trying for two weeks to sign up for ObamaCare.

Unfortunately as she reported on Monday’s New Day, despite trying for fourteen days including at hours that were claimed to be “off peak,” she still hasn’t been able to establish an account.

~McQ


Competence, incompetence and the Obama administration

USA Today nails it:

President Obama’s chief technology adviser, Todd Park, blames the unexpectedly large numbers of people who flocked to Healthcare.gov and state websites. “Take away the volume and it works,” he told USA TODAY’s Tim Mullaney.

That’s like saying that except for the torrential rain, it’s a really nice day. Was Park not listening to the administration’s daily weather report predicting Obamacare’s popularity?

Park said the administration expected 50,000 to 60,000 simultaneous users. It got 250,000. Compare that with the similarly rocky debut seven years ago of exchanges to obtain Medicare drug coverage. The Bush administration projected 20,000 simultaneous users and built capacity for 150,000.

That’s the difference between competence and incompetence.

Yup … and all we’ve seen, for years with this current administration, is exercises in incompetence.

I remember when the word of the day for Democrats during the Bush years was “incompetence”.  They had to work very hard to try to sell it.

Well, the sales job now would be a walk in the park.  Except the parks are closed.

Incompetence – look in the dictionary and you’ll see this administration depicted.

Worst. Governance. Ever.

And that covers a lot of territory.

~McQ


Happy ObamaCare day …

The sun is out, the birds are chirping, the day is beautiful and … the government is shut down.  I’m not sure, but that may be adding to the beauty of the day.

Meanwhile this is ObamaCare’s first day. Unfortunately, ObamaCare isn’t quite ready.

On Monday, Health and Human Services Secretary Kathleen Sebelius pleaded for patience during a briefing with reporters, acknowledging there would probably be some site issues in the coming days and weeks as the administration moves forward on the sweeping program known as Obamacare. She likened the inevitable fixes to software updates on Apple products such as the iPhone or iPad.

“No one is calling on Apple to not sell devices for a year or to get out of the business because the whole thing is a failure,” she said. “Everyone just assumes there’s a problem, they’ll fix it, let’s move on. . . . Hopefully, they’ll give us the same slack as they give Apple.”

Apple.  She dares to compare this monstrosity to Apple?  Really?

Here’s the reason that comparison doesn’t even begin to hold water:

Health and Human Services Secretary Kathleen Sebelius has had since March 2010 to prepare for open enrollment’s October 2013 rollout. Besides churning out thousands of pages of regulations, what have she and her army been doing?

Someone performing as Sebelius has in the private sector would have been fired at least a year ago, when it become obvious that her implementation plan — having already missed critical deadlines almost two years ago – was still hopelessly behind.

However, this would have been an admission of failure during an election year.

Instead, Sebelius and the administration unilaterally, and illegally, delayed imposing the employer mandate requiring companies to cover “full-time” employees — defined as any employee who works an average of 30 hours per week — for one year. The political motivation behind this cop-out is so transparent, one wonders if the delay wasn’t hard-coded in the plan. There has been no change in the individual mandate, which requires individuals and families to have health insurance coverage beginning next year or face a fine. So the employer mandate delay combined with the still-present individual mandate will force more Americans into the state health insurance exchanges. The administration is likely intent on making the process of undoing the exchanges as difficult as possible.

Apple would a) meet their deadline and b) have the product ready for the launch or c) some heads would roll.

So why is Sebelius still at HHS?

Oh, that’s right … because we don’t hold people in government accountable for anything, do we?

Which, of course, is a big part of the reason we’re in the mess we’re in today.

Frogs marching or heads rolling (figuratively speaking) might begin to change a culture that know no matter how inept or incompetent they are, nothing of significance will happen to them. And after all, it’s your money they’re wasting, isn’t it?

~McQ


Observations: The QandO Podcast for 29 Sep 13

This week, Bruce, Michael, and Dale discuss the government shutdown and Republican party.

The direct link to the podcast can be found here.

Observations

As a reminder, if you are an iTunes user, don’t forget to subscribe to the QandO podcast, Observations, through iTunes. For those of you who don’t have iTunes, you can subscribe at Podcast Alley. And, of course, for you newsreader subscriber types, our podcast RSS Feed is here.


Rule of man, not of law? See ObamaCare (and much else)

Apparently our laws are arbitrary if you’re in a favored group.  All you have to do is appeal to the King for an exemption:

Back in 2009, when Democrats were writing the massive new national health care scheme, Iowa Republican Sen. Chuck Grassley offered an amendment. Obamacare created exchanges through which millions of Americans would purchase “affordable” health coverage. Grassley’s amendment simply required lawmakers, staff, and some in the executive branch to get their insurance through the exchanges, too.

To every Republican’s amazement, Democrats accepted the amendment. It’s never been fully clear why; the best theory is they intended to take the provision out in conference committee, but couldn’t do so because they lost their filibuster-proof 60-vote majority. In any event, Obamacare — the law of the land, as supporters like to say — now requires Congress to buy its health care coverage through the exchanges.

That has caused Democratic panic as the formal arrival of Obamacare nears. Right now, all lawmakers and staff are entitled to enjoy generously-subsidized coverage under the Federal Employees Health Benefits plan. Why give up that subsidy and go on the exchanges like any average American?

But that’s the law. It could be amended, but Democrats, who voted unanimously for Obamacare, couldn’t very well expect much help from Republicans, who voted unanimously against it. So over the summer Democrats asked President Obama to simply create an Obamacare exception for Capitol Hill.

And the King, looking down upon his faithful minions waved his hand and came up with a “solution” by executive fiat that uses tax dollars to circumvent the law:

Not long after — presto! — the Office of Personnel Management unveiled a proposed rule to allow members of Congress, their staff, and some executive branch employees to continue receiving their generous federal subsidy even as they purchase coverage on the exchanges. No ordinary American would be allowed such an advantage.

However, a rebellion was cooking:

Vitter watched the maneuvering that led to the OPM decision. He began work on what became the Vitter Amendment, which he likes to call “No Washington Exemption from Obamacare,” that would reverse the OPM ruling. It specifies that members of Congress, staff, the president, vice president and all the administration’s political appointees buy health coverage through Obamacare exchanges. If any of them earn incomes low enough to qualify for regular Obamacare subsidies, they will receive them — just like any other American. But those with higher incomes will have to pay for their coverage on the exchanges — just like everybody else.

Vitter hasn’t exactly thrilled his colleagues. “There has been a lot of pushback behind the scenes, including from many Republicans,” he says. Political types have complained that the requirement will cause “brain drain” on the Hill as staffers escape the burden of paying for their own coverage. “My response is, first of all, it’s the law,” says Vitter. “Look, this is a disruption. It’s exactly what’s happening across America, to people who are going to the exchanges against their will. To me, that’s the point.”

Ron Johnson, the Republican senator from Wisconsin, is one colleague delighted by Vitter’s move. The idea of equal Obamacare treatment for Washington is enormously popular around the country, Johnson points out, which means even lawmakers who don’t like it will be afraid to oppose it.

“I think most members don’t want to vote to reject the OPM ruling,” Johnson says. “But I think most members would vote to do that, if they were forced to, because it is so politically unpopular to have special treatment for members of Congress and their staff.”

Seems it should be unnecessary to again make it clear that Congress should have to obey the law – to the letter – just like everyone else.  That was what the original law said, no?  Yet they managed a workaround that defeated the intent of the law, didn’t they?

So now another amendment is now necessary?

And here I thought that these folks were servants of the people and not a ruling elite (by the way, the big excuse is there’ll be a huge “brain drain” if the law is left in place.  Let me be the first to say, given the shape our country and government are in at the moment, I’d welcome the ‘brain drain’).

Make ‘em obey the law.  Make them navigate the same atrocity they foisted on the public.  No exemptions, no exceptions.  And that goes for every law they pass.

Period.

~McQ


Let ObamaCare collapse on its own

While I took issue with John McCain’s refusal to do anything about defunding ObamaCare, my issue was with the refusal more than anything.  McCain had no alternative.  He just refused to do anything.

There is an alternative however.   And Daniel Henninger, in today’s Wall Street Journal, articulates it:

As its Oct. 1 implementation date arrives, ObamaCare is the biggest bet that American liberalism has made in 80 years on its foundational beliefs. This thing called “ObamaCare” carries on its back all the justifications, hopes and dreams of the entitlement state. The chance is at hand to let its political underpinnings collapse, perhaps permanently.

If ObamaCare fails, or seriously falters, the entitlement state will suffer a historic loss of credibility with the American people. It will finally be vulnerable to challenge and fundamental change. But no mere congressional vote can achieve that. Only the American people can kill ObamaCare.

No matter what Sen. Ted Cruz and his allies do, ObamaCare won’t die. It would return another day in some other incarnation. The Democrats would argue, rightly, that the ideas inside ObamaCare weren’t defeated. What the Democrats would lose is a vote in Congress, nothing more.

He’s right.  Defunding it simply leaves the question “would it have worked if you inbred Republicans hadn’t stopped it?  All indications are this abomination will collapse under it’s own fetid weight.  Why?  Because, as I said, it’s an abomination.

Consider this from Megan McArdle:

During the design and passage of the Affordable Care Act, its architects and supporters described a fantastic new system for buying insurance. You would go onto a website and enter some simple information about yourself. The computer system would fetch data about you from various places — it would verify income with the Internal Revenue Service, check with the Department of Homeland Security to ensure that you were a citizen or legal resident, and tap a database of employer coverage to make sure that you were not already being offered affordable coverage (defined as 9.5 percent of your income or less) by your employer. Provided you passed all those tests, it would calculate what subsidies you were eligible for, and then apply that discount automatically to the hundreds of possible policies being offered on the exchange. You would see the neatly listed prices and choose one, buying it as easily as you buy an airline ticket on Travelocity.

Before I went to business school, I used to work in an IT consultancy, and setting up this system sounded like an enormous job to me — a five- to eight-year job, given government procurement rules, not a three-year rush special. But Obamacare’s stewards seemed very confident, so I assumed that they must have it covered.

As time wore on, the administration has steadily stripped major components out of the exchanges and the data hub behind them as it became clear that they couldn’t possibly make the Oct. 1 deadline when all of this was supposed to be ready. The employer mandate was delayed, and then it was announced that at least some of the exchanges would be relying on self-reporting of income, rather than verifying with the IRS. . . .

How did we get to this point? The exchanges were the core selling point of Obamacare. (The Medicaid expansion was actually a bigger part of the coverage expansion, at least until the Supreme Court ruled that the administration couldn’t force states to take part, but it tended to be downplayed, because no one’s exactly a huge fan of Medicaid.) They were going to introduce competition to a fragmented and distorted marketplace, and make it easy for middle-class people to buy affordable coverage from a bevy of insurers. How can it be that one week before the deadline for opening, no one’s really sure the exchanges are going to work?

No exchanges, no ObamaCare.

Oh, and be amazed by the usual government planning:

I work for one of the largest Telecom providers in the country. I’m an engineer who designs dedicated data links (DS3s, OC3s, etc…) for major companies across the US.

For background, some of these circuits can be put up fairly quickly, but not the ones that I work on. The ones I design can take up to 90 business days to install.

Anyways, a few weeks ago, we got deluged with orders for circuits that needed to be installed by October 1st. These were circuits to support Obamacare.

Needless to say, they aren’t going to make that deadline. Some of the circuits are being held up due to construction builds that won’t be complete until the end of November. The others won’t make the deadline due to the complexity and the number of various companies involved.

Yes, these are the same people you handed your health care too.

Soooo … what will the administration do?  Well, delay it of course.  But again I point you to McArdle’s point.  We’re not simply talking about a simple IT project here.  It may never work.

Henninger’s point is very valid.  So I officially sanction Dale’s point of view in this case and say “let ‘em have it (good and hard)”.  Let them have the bureaucracy, frustration, increased cost and incompetence that has been the hallmark of the Democrats and this administration.  Then:

An established political idea is like a vampire. Facts, opinions, votes, garlic: Nothing can make it die.

But there is one thing that can kill an established political idea. It will die if the public that embraced it abandons it.

Six months ago, that didn’t seem likely. Now it does.

The public’s dislike of ObamaCare isn’t growing with every new poll for reasons of philosophical attachment to notions of liberty and choice. Fear of ObamaCare is growing because a cascade of news suggests that ObamaCare is an impending catastrophe.

And catastrophe it is.  Let is burn.  Let it crash, burn and kill this nonsense once and for all.

~McQ


Are you ready for some “ObamaCare”!?

It is your wallet which is going to need “conditioning” for this “improved” health care system:

Based on a Manhattan Institute analysis of the HHS numbers, Obamacare will increase underlying insurance rates for younger men by an average of 97 to 99 percent, and for younger women by an average of 55 to 62 percent. Worst off is North Carolina, which will see individual-market rates triple for women, and quadruple for men.

Of course you’ve seen the lies smoke that HHS has been putting out about how cost will be down, right?  By 16%.  But they never really tell you down from what, do they?

“Premiums nationwide will also be around 16 percent lower than originally expected,” HHS cheerfully announces in its press release. But that’s a ruse. HHS compared what the Congressional Budget Office projected rates might look like—in 2016—to its own findings. Neither of those numbers tells you the stat that really matters: how much rates will go up next year, under Obamacare, relative to this year, prior to the law taking effect.

That’s right, they’ve apparently learned from Congress about “spending cuts”.  You know, when they spend less than they projected they’d spend but more than they did last year?  Yeah, “spending cuts”.

Instead, the travesty that is called ObamaCare will be adding on to everyone’s bill (to include those getting a subsidy).  Those below 40 get hammered.  And those at 40?  Not so good either:

The cheapest exchange plan for the average enrollee, compared to what a 40-year-old would pay today, will cost an average of 99 percent more for men, and 62 percent for women.

For this cohort, men fared worst in North Carolina, with rate increases of 305 percent. Women got hammered in Nebraska, where rates will increase by a national high of 237 percent. Again, Colorado and New Hampshire fared best, with 17 percent and 5-8 percent declines, respectively.

Remember that here, we aren’t conducting an exact comparison. Instead we’re comparing the lowest-cost bronze plan offered to the average participant in the exchanges, to the cheapest plan offered to 40-year-olds today. This approach artificially flatters Obamacare, because the median age of an exchange participant is, in most states, below the age of 40.

Nice.

I’ve always wondered how making everyone get insurance, subsidizing those who can’t “afford” it, and adding layer upon layer of bureaucracy could make health care “more affordable”. Common sense tells you it won’t.

Common sense is right.

… Again.

~McQ

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