Free Markets, Free People

ObamaCare

Administration has no idea who has or hasn’t paid for ObamaCare

You remember the post a couple of days ago when I broadly hinted that you shouldn’t believe a single statistic (or most of anything else) this administration proffers?

More proof.  You might recall a number of administration spokespersons and Democrat mouthpieces telling us that millions have enrolled and paid?

Yeah, not so fast:

An official from the Centers for Medicare & Medicaid Services admitted at a House hearing today that no one knows how many people have actually paid for Obamacare coverage.

“So we don’t know at this point how many people have actually paid for coverage?” asked a member of Congress.

“That’s right,” the CMS official conceded.

Inept, incompetent and unfortunately, in charge.

~McQ

The law with the Orwellian name continues to lose support

The Affordable Care Act, the monstrosity of Democratic legislation with the Orwellian name, continues to lose supporters.   And, as an added special feature, people in employer based programs are now paying more out-of-pocket for their medical expenses than before ObamaCare.  Very “affordable”, no?

Support for the Affordable Care Act has plummeted since late last summer, and people with employer-based health insurance say they increasingly are paying more for out-of-pocket medical expenses, a new Bankrate.com survey released Wednesday revealed.

When Bankrate.com first polled people in September—right before the launch of Obamacare insurance exchanges, there was an even split between those who said they would repeal the Affordable Care Act if given the power to do so and those who would keep it: 46 percent each. (The rest either had no opinion or didn’t know how they felt.)

But three months later, after the botched launch of those government-run exchanges, the number of people who said they would gut Obamacare had risen to 48 percent, while the number of respondents who said they would keep it as law had plunged to 38 percent.

While the “botched launch” may have had some effect on that “plunge”, my guess is that hitting people’s wallet has pushed it down even more.  Health care insurance isn’t some esoteric policy argument.  It’s something that is important to everyone.  It is about their family and trying to afford the best for their family’s health. When policy negatively effects real people, they react just as negatively (and I do hope that Democrats double down on their support of the law, since it is all theirs anyway) :

The survey also found that people, by a 2-to-1 margin, felt Obamacare had had a more negative than positive impact on their own, individual health care. The poll questioned 1,005 adults, and had a margin of error of 3.6 percentage points.

[...]

His company’s survey also found that a total of 44 percent of people with employer-provided insurance said they are shelling out more dollars in deductibles and copayments than they were a year ago. And 47 percent of that group of people reported having more money deducted from their paycheck to pay the cost of those insurance plans than in 2012.

People earning between $50,000 and $75,000 annually were the most affected group: with 64 percent of them reporting a bigger hit on their paychecks from health insurance. Just 38 percent of the people earning less than $30,000 reported paying more for insurance in payroll deductions as of 2013.

The great leveling.  Apparently you’re “rich” if you earn between $50 and $75k, so it’s okay that you’re paying more – and besides, those “Cadillac plans” just aren’t fair (well, except for the exempt unions, of course … and Congress, and ….).  Don’t forget the tsunami of cancellations that will hit employer based programs hasn’t yet happened.

Obviously it doesn’t take great powers of perception to realize that this is just going to get worse and worse as the months pass.  And as those months pass, those supporting the legislation will become fewer and fewer.  It will be a grand issue on which Congressional Republicans can run (if they actually can figure out how to do that successfully without the usual idiocy).  Unfortunately, politics aside, it is going to be a building disaster for the American people.

Repeal is the best remedy.

~McQ

Observations: The QandO Podcast for 05 Dec 14

This week, Bruce, Michael and Dale talk about Global Warming, NSA Spying, and Obamacare.

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.

ObamaCare’s net effect so far? More cancellations than enrollments

Not that anyone should be surprised:

Even without the full number of enrollments, Obamacare’s current net effect is clearly in favor of cancellations. Millions are already seeing Obamacare’s adverse effects — largely due to more mandates for more services.

The mandates?  Well they’re one of the major reasons for most of the cancellation notices – their plan just doesn’t have all the benefits your wise and caring public servants think you should have:

The health-care law requires that all insurance plans cover 10 “essential benefits,” eliminating millions of plans that don’t fit the bill and boosting costs for consumers that have to purchase coverage for services they may not want or need.

All plans must include maternity coverage, for example — including plans for men and post-menopausal women. Even customers without children must purchase plans that cover pediatric services. Other newly established essential benefits include hospitalization, mental-health services and preventive and wellness services.

While a grandfather clause allowed plans purchased before Obamacare passed in 2010 to continue, HHS estimated that 40-67 percent of plans would eventually lose their status and cost millions of Americans their insurance plans.

So you see little horror shows like this family’s acted out all over the nation.

And those cheap affordable plans?  How are they working out so far (if you can even get one).  Well with high deductibles, not so hot (but all the men have maternity coverage, that’s a plus):

Experts are worrying that some new enrollees will be discouraged from seeing doctors if they have to pay the full charge, rather than simply a copayment. In Miami, for example, 40 percent of bronze plans require consumers to pay the full deductible before coverage kicks in, according to an analysis by online broker eHealthinsurance.com, a private online marketplace, for Kaiser Health News. The average deductible among the examined bronze plans in Miami is $5,735.

Patients in those plans who haven’t yet met their annual deductibles would have to pay the full cost of the visits, unless they were for preventive services mandated by the law. A typical office visit can run $65 to $85, while more complex visits may cost more.

So, as Ed Morrissey puts it:

Put it this way: If the average deductible is $5,735 and a doctor visit is $85, it would take sixty-eight doctor visits before the insurance kicked in — more than one visit per week. And it would start all over again every year.

So how’s ObamaCare going?

About how you’d expect a politically driven piece of law from an incompetent administration to go.

However the apologists have a different reason in mind:

“[S]outhern White radicals vowed to stop implementation of the Obama-care law leading one to wonder if Tea Party members would oppose affordable healthcare if it came from a nonBlack [sic] President,” writes Browne-Marshall.

Yeah, that’s the reason.

~McQ

Observations: The QandO Podcast for 15 Dec 13

This week, in the last podcast of the year, Bruce, Michael and Dale talk about Iran, government, and Obamacare.

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.

It’s fixed! The White House say so!

I hope everyone had a great Thanksgiving and I know you’ll rest much better knowing the ObamaCare website is now “fixed”.  No.  Really.  They say so:

The White House announced on Sunday that it had met its goal for improving HealthCare.gov so the website “will work smoothly for the vast majority of users.”

In effect, the administration gave itself a passing grade. Because of hundreds of software fixes and hardware upgrades in the last month, it said, the website — the main channel for people to buy insurance under the 2010 health care law — is now working more than 90 percent of the time, up from 40 percent during some weeks in October.

So there.  We’re at 90% and have been declared to be “working smoothly”.

Well, except for the part that actually gets you enrolled in an insurance program:

The problem is that so-called back end systems, which are supposed to deliver consumer information to insurers, still have not been fixed. And with coverage for many people scheduled to begin in just 30 days, insurers are worried the repairs may not be completed in time.

“Until the enrollment process is working from end to end, many consumers will not be able to enroll in coverage,” said Karen M. Ignagni, president of America’s Health Insurance Plans, a trade group.

The issues are vexing and complex. Some insurers say they have been deluged with phone calls from people who believe they have signed up for a particular health plan, only to find that the company has no record of the enrollment. Others say information they received about new enrollees was inaccurate or incomplete, so they had to track down additional data — a laborious task that would not be feasible if data is missing for tens of thousands of consumers.

In still other cases, insurers said, they have not been told how much of a customer’s premium will be subsidized by the government, so they do not know how much to charge the policyholder.

Details, details.  What’s wrong with you people.  It’s fixed!  We say so.  This other stuff is, well, something that is the insurance companies problem.  Or maybe Bush is at fault.  Certainly the Republicans.

But now that the White House has declared all its problems addressed — and on time too — well they don’t want to hear anything more about it.

“Health plans can’t process enrollments they don’t receive,” said Robert Zirkelbach, a spokesman for America’s Health Insurance Plans.

It’s fixed.  End of story.

Time to move on.  Change the subject.

Oh, and don’t call it ObamaCare anymore.

~McQ

Observations: The QandO Podcast for 01 Dec 13

This week, all of us just talk about stuff.

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.

Having a problem picking which bit of nonsense to write about

So, instead, I’ll just pitch a lot of it out here.  Call it “clearing the browser tabs” if you will.

ObamaCare is a giant redistribution scheme.  I know most readers here have known or figured that out long before now.  But it appears the media is suddenly discovering it as well.

Oh, and this … this is just funny (in a sad sort of way) because it lays out all the other promises that were made by Obama to ease the passage of their redistribution scheme:

President Obama has said a lot of things about health care reform, not just that if you liked your health insurance plan, you could keep it. In a prime-time news conference in July 2009, his rationales for a new law stacked up like planes on an airport runway during a holiday weekend: It would provide “security and stability” for families; it would “keep government out of health care decisions”; it would prevent insurers from “dropping your coverage.” He said the program “would not add to our deficit,” that it would “slow the growth of health care costs in the long run,” that it would be “paid for” but not “on the backs of middle-class families.” Most important, he said, “I want to cover everybody.”

Security and stability for families.  Ha!  Millions with cancelled insurance.  Keep government out of health care decisions – you know, like keeping your doctor if you want to.  Prevent insurers from dropping your coverage?  In fact it demands insurers drop your coverage if it isn’t coverage of which ObamaCare approves, thus the millions with cancelled insurance.  “Would not add to deficit?”  Well, that’s if the redistribution works properly and you don’t count all the cost of the government bureaucracy added to make it work (unless those 19,000 IRS agents are working for free).   Slow the growth of health care costs in the long run?  Not with the size of the Medicaid expansion and the subsidies they plan.  “Paid for” but “not on the backs of the middle class”.  It’s going to be paid for on the backs of the young – who are mostly middle class, if they can maintain that.

What a freakin’ joke.

Meanwhile the apologists for ObamaCare have found Kentucky and are touting it as proof ObamaCare is loved and wanted.  Why?   Because over 56,000 have signed up.  Irony no?  Kentucky – a state the folks in the North East like to point to as Hillbilly heaven actually has a working website.    But, of course, if you actually look at the numbers, they don’t at all support the premise that ObamaCare is working at all (certainly not as it’s advocates said it must work to succeed):

“Places such as Breathitt County, in the Appalachian foothills of eastern Kentucky, are driving the state’s relatively high enrollment figures, which are helping to drive national enrollment figures as the federal health exchange has floundered. In a state where 15 percent of the population, about 640,000 people, are uninsured, 56,422 have signed up for new health-care coverage, with 45,622 of them enrolled in Medicaid and the rest in private health plans, according to figures released by the governor’s office Friday,” the Post wrote. “If the health-care law is having a troubled rollout across the country, Kentucky — and Breathitt County in particular — shows what can happen in a place where things are working as the law’s supporters envisioned.”

So first, not even 10% have enrolled, and of those that have enrolled, only 20% are “billpayers”, i.e. people who will actually pay for their own health care insurance and subsidize the other 80% of those who are on Medicaid.  In other words, out of 640,000 eligible, 56,422 have enrolled, and of those 56,000, 45,622 are going to be Medicaid recipients.

And liberals call this “success”.   Seems it would have been a lot easier just to expand Medicaid, because that’s primarily what’s happening here.  Other than the Medicaid bunch, less than 1% of those 640,000 have sought out insurance on a system the Democrats point to as working well.

Then there is this story about the green movement’s rank hypocrisy when it comes to environmentally friendly nuclear power.  What arguments do they use against nuclear power (an power source that actually works as advertised)?  The very same arguments they have used to argue for wind, solar, etc, of course:

Having demanded policies to make energy more expensive, whether cap and trade or carbon taxes, greens now complain that nuclear energy is too expensive. Having spent decades advocating heavy subsidies for renewable energy, greens claim that we should turn away from nuclear energy because it requires subsidies. And having spent the last decade describing global warming as the greatest market failure in human history, greens tell us that, in fact, we should trust the market to decide what kind of energy system we should have.

Why, or more importantly, how anyone of any intelligence takes them seriously any more is beyond me. But this is so typical of that movement.

As for the “Iran deal”, Victor Davis Hanson gives you a peek behind the curtain:

The Iranian agreement comes not in isolation, unfortunately. The Syrian debacle instructed the Iranians that the Obama administration was more interested in announcing a peaceful breakthrough than actually achieving it. The timing is convenient for both sides: The Obama administration needed an offset abroad to the Obamacare disaster, and the Iranians want a breathing space to rebuild their finances and ensure that Assad can salvage the Iranian-Hezbollah-Assad axis. The agreement is a de facto acknowledgement that containing, not ending, Iran’s nuclear program is now U.S. policy. . . .

Aside from the details of this new Sword of Damocles pact, one wonders about the following: In the case of violations, will it be easier for Iran to return to weaponization or for the U.S. to reassemble allies to reestablish the sanctions? Will Israel now be more or less likely to consider preemption? Will the Sunni states feel some relief or more likely pursue avenues to achieve nuclear deterrence? Will allies like Japan or South Korea feel that the U.S. has reasserted its old global clout, or further worry that their patron might engage in secret talks with, say, China rather than reemphasize their security under the traditional U.S. umbrella?

The president’s dismal polls are only a multiplier of that general perception abroad that foreign policy is an auxiliary to fundamental transformation at home, useful not so much to create international stability per se, as to enhance Obama influence in pursuing his domestic agenda. Collate reset, lead from behind, “redlines,” “game-changers,” ”deadlines,” the Arab Spring confusion, the skedaddle from Iraq, Benghazi, the Eastern European missile pullback, and the atmosphere is comparable to the 1979–80 Carter landscape, in which after three years of observation, the opportunists at last decided to act while the acting was good, from Afghanistan to Central America to Tehran.

There is not a good record, from Philip of Macedon to Hitler to Stalin in the 1940s to Carter and the Soviets in the 1970s to radical Islamists in the 1990s, of expecting authoritarians and thugs to listen to reason, cool their aggression, and appreciate democracies’ sober and judicious appeal to logic — once they sense in the West greater eagerness to announce new, rather than to enforce old, agreements.

Nothing of any substance gained, but certainly, with the easing of sanctions, relief for Iran and most likely problems ahead should the US want to see sanctions resumed or added to in the future.  Pitiful.

But Insty has the silver lining in all of this – “Obama, bringing together Democrats and Republicans, Saudis and Israelis in opposition to his policies. He’s a uniter, not a divider!”

Finally, reality continues to take it’s toll on Barack Obama:

Only four out of 10 Americans believe President Barack Obama can manage the federal government effectively, according to a new national poll.

And a CNN/ORC International survey released Monday morning also indicates that 53% of Americans now believe that Obama is not honest and trustworthy, the first time that a clear majority in CNN polling has felt that way.

Well deserved numbers as I see it.  He has lied and he’s proven he’s incompetent.  The only discouraging part of it all is somehow, 47% of those taking the poll somehow have convinced themselves that even in the face of overwhelming facts to the contrary, he’s honest and trustworthy.  I imagine a lot of them live in Maine.

~McQ

Why today’s liberalism is a bankrupt fantasy

Make no mistake, Barack Obama is a failed liberal, who, given the chance to advance the liberal agenda, has hopefully, at the very least, crippled it for years to come.

His poll numbers and the polling for ObamaCare tell the tale.

But why has he failed?  Well I think this offers a pretty fair explanation:

The president and the officials around him are the product of the same progressive version of higher education that simultaneously excises politics from the study of government and public policy while politicizing education. This higher education denigrates experience; exalts rational administration; reveres abstract moral reasoning; confidently counts on the mainstream press to play for the progressive political team; accords to words fabulous abilities to remake reality; and believes itself to speak for the people while haughtily despising their way of life.

The education President Obama received at Columbia University and Harvard Law School — and delivered to others as a lecturer at the University of Chicago Law School — encourages the fantasy of a political world subject to almost limitless manipulation by clever and well-orchestrated images. This explains why the harsh exigencies and intractable forces of politics keep stunning the president, each new time as if it were the very first.

We’ve now had 5 years to study the results of this particular product and they’re not very pretty are they?

We’ve  made these same points off and on for years.  We have a commenter who visits here fairly regularly that also exhibits the very traits outlined above and is a member of academia.  All anyone needs to do is read the nonsense he spouts to understand how pervasive this crippling process is.  His one asset to this blog is he so aptly demonstrates the point of this post.

We’ve also said many times that you still have to face reality when all is said and done (or said and not done).  That’s what Obama and his ilk are finally having to do.

Obama is and always has been a “give a speech and all is well” kind of guy.  He was sure that the force of his speeches combined with his personality was indeed enough to calm the seas and have them recede.  In his world, saying is doing.  He had no need to have actually done anything or run anything.  He was an intellectual who knew how things should run and be done.  All he needed to do was enlighten the masses.  And that’s what he’s attempted to do.

Except reality keeps biting him in the keister.  Pass a law to totally remake the health insurance industry and then discover:

“What we’re also discovering is that insurance is complicated to buy.”

No kidding you incompetent boob.  Ask anyone in the real world who has actually delt with the problem and they’d have been glad to tell you that.  But he “discovers” it after he’s been a party to destroying the health insurance industry as we knew it.  He blithely promised it would be easy and reality spit in his face.

Unfortunately the other part of reality is he’s not the one that’s going to suffer because he’s an ignorant boob.  People facing medical emergencies with no insurance are.

Peter Berkowitz says that isn’t the only “discovery” this gang of incompetents made “on the job”:

In January 2010, in a Time magazine interview in which he was asked about the setbacks to his ambitious attempt to reach a final peace deal between Israel and the Palestinians, he remarked, “I think that we overestimated our ability to persuade them to do so when their politics ran contrary to that.”

The problem, the president acknowledged, was that he and his team had failed to understand the domestic challenges faced by Israeli Prime Minister Benjamin Netanyahu and Palestinian Authority President Mahmoud Abbas: “I think it is absolutely true that what we did this year didn’t produce the kind of breakthrough that we wanted, and if we had anticipated some of these political problems on both sides earlier, we might not have raised expectations as high.”

In June 2011, Obama again acknowledged that he had based a defining policy — the $830 billion stimulus package that he sold to the nation in the first month of his presidency as designed to take advantage of “shovel-ready” jobs — on false expectations. With unemployment at 9.1 percent and in the 27th consecutive month in which it had not fallen below 8.9 percent, he told his Jobs and Competitiveness Council meeting in Durham, N.C., that “shovel-ready was not as shovel-ready as we expected.”

On Nov. 4 of this year — five weeks after the calamitous online launch of the Affordable Care Act’s insurance marketplaces, almost five years into his presidency and less than two weeks before he would reveal that the loss of insurance coverage by millions of Americans taught him that buying coverage was complicated — Obama said to the Affordable Care Act Coalition Partners and Supporters in Washington, D.C., “Now, let’s face it, a lot of us didn’t realize that passing the law was the easy part.”

Contrary to the president’s breezy attitude suggesting that these drastic miscalculations were not knowable in advance, we know that all were foreseeable because all were perspicaciously foreseen by critics from the beginning. (The only possible exception is the staggeringly inept rollout of the HealthCare.gov website, the magnitude of which caught even the president’s toughest critics off guard.)

Finally … finally, what many of us have been saying for years is evident to everyone.  And because he’s so badly botched something that is important to everyone, they’re actually paying attention.  Thus the 37% approval rating.

Right now, Barack Obama would love to have George W. Bush’s approval rating.

Ironic, huh?

~McQ

Clueless and incompetent

That’s a dangerous combination but that pretty aptly describes the ObamaCare roll out (ObamaCare is a name that the administration and Democrats would now like to distance themselves from).

It seems now that “no one knew” that the roll out was going to be a disaster because, well, no one knew.  Gee, maybe they should have asked the IT guy:

A key player in the development of the Obamacare website said Tuesday that up to 40 percent of IT systems supporting the exchange still need to be built.

The revelation from Centers for Medicare and Medicaid Services Deputy Chief Information Officer Henry Chao occurs as the administration works to meet its Nov. 30 deadline to shore up the website.

40% of the supporting systems … still need to be built?!

And no one knew?  That’s freaking mindboggling.  You have a system that is 40% incomplete, you’re the head of a department charged with rolling out the system and you don’t know it’s not even close to being ready?

“It’s not that it’s not working,” Chao told lawmakers at an Energy and Commerce oversight subcommittee hearing. “It’s still being developed and tested.”

Phenomenal.  If incompetence could be bottled, this administration could corner the market.

Financial management tools remain unfinished, he said, particularly the process that will deliver payments to insurers.

The update hits hardest at Democrats, hopeful that the system would function smoothly by the end of the month.

Chao said that the consumer portion of the website, including account registration, plan shopping and enrollment functions, won’t be affected by the ongoing development effort, but that “back office” functions including accounting and payment systems were not yet complete.

Did this boob tell anyone?  And if he did, didn’t they listen?  How do the insurance companies get paid?  And until they are, how can any insurance plan go into effect?

My goodness … why wasn’t Chao sounding the alarms?

Oh, wait, see, he really didn’t know either:

He also told lawmakers he didn’t see a spring report that warned of potential stumbles and foreshadowed many of the problems that thwarted the website’s launch.

“I was aware some document was being prepared,” he said, but had no knowledge of a report until it was leaked to The Washington Post and obtained by POLITICO.

Chao told the House Energy & Commerce oversight subcommittee that he may have answered questions for the study but was not involved in any briefings on it.

The report, which independent consulting firm McKinsey conducted for CMS, described a process that relied too heavily on outsider contractors, didn’t provide enough time for complete testing and failed to hand authority to one decision maker. Chao’s limited knowledge of the report feeds lawmakers’ frustrations with the site’s fractured management and unclear controls.

These are the people who would run your healthcare (and everything else in you life if you’d let them) and make it both cheaper and better (and a good number of Americans swallowed that snake oil and ordered another bottle).

Oh, by the way, speaking of trust in government, did you know the jobs numbers were faked by the Census Bureau on the eve of the 2012 election?

~McQ