Posted by
Trent Davidson on Thursday, November 05, 2009 4:06:24 AM
I am probably one of 4 people in this country that has read the entire
health care bill. It was a painful process, and let me tell you—the
critics of the bill on Fox News don’t even have a clue of how bad it
really is. Here are the parts of the Health Care Bill I find most
troubling:
The federal government gets to decide how much profit a private
health insurer can make and how much they pay their stockholders.
States have the option of covering abortions through Medicaid, which means federal funds will be paying for abortion.
The verification procedures for seeing if someone is an illegal
immigrant are basically “Are you an undocumented alien?” “Why, no sir,
I am not” “All-righty then…”
The public option, as well as new provisions for Medicaid and
Medicare, are explicitly described as not subject to any administrative
or judicial review. This means individuals cannot contest decisions
made by the bureaucrats. There is no transparency to the process, and
it is ripe for corruption. And let’s be honest, with our government,
regardless of which party is in charge, corruption is a HUGE concern
and is probably the “default setting”. Moreover, the Bill explicitly
authorizes the govt to slash benefits if funds go low—i.e. care
rationing.
Dozens of grant and contract programs in the bill explicitly favor
community organizers. The definitions given of the entities providing
health services aren’t even limited to health services—if a community
organization like ACORN offers nutritional or family planning
counseling, they are eligible for federal health care money. All the
grant programs explicitly favor programs that funnel money to urban and
“ethnically diverse” areas.
The bill creates tens of thousands of new government jobs. And not
doctors/nurses—new government bureaucrats. To put in perspective: they
are trying to “reduce costs” and “halt skyrocketing costs”, aren’t
they? And they’re doing this by…adding to the system tens of thousands
of government bureaucrats that don’t provide any medical service, don’t
provide any economic growth or productivity. Nancy Pelosi said that
this Bill was all about “jobs, jobs, jobs”. And she’s right—it creates
tens of thousands of jobs. But there’s something she is too stupid to
understand: a government job is not generally a good thing. In order to
create a government job, the money has to be taken out of the private
sector. The government does not produce anything—it only consumes. It
is staggering how many government offices, officers, committees,
panels, you name it, that this Bill seeks to create. And I know how
government offices operate. For crying out loud, *I* am a government
bureaucrat. And the bureaucracy is awful; the most unproductive,
unaccountable, unresponsive arrangement imaginable. The heart and soul
of this bill is expansion of the bureaucracy. Its blood is billions of
dollars in payments to community organizers and social engineers.
The Health Insurance Exchange the Bill sets up is initially fairly
small in scope—it’s supposed to be a “stop-gap” for people between
insurance coverage, and the exchange can’t deny anyone with the money
to pay the premiums. But here’s the rub—you have to have the money to
pay the premiums. Unless, of course, you don’t have the money for the
premiums, in which case somebody else has the money for your premiums
through the auspices of the government.
Another problem with the Health Insurance Exchange—this is where the
Public Option resides. Which means it is institutionally defaulted to
grow and expand. At first it’s a fairly innocuous assist for people
with dropped coverage, but it is designed to be the default provider
for the nation. That’s why there are hundreds of pages of guidance for
the rules and specifications of health plans offered through the
exchange. The Public Option is not “free” health care. The premiums are
still there and are still just as high as private insurance. But in the
case of the public option, the premiums are paid by a) the very rare
individual paying into it of their own choice, b) Monopoly money
printed by the government, or c) and far more likely, other people that
are already paying for their own health insurance before being mugged
to pay for yours.
The measures in this Bill are paid for primarily from increased
taxes. We’ve all heard about the “cutting fraud, waste, and abuse” from
Medicare in order to pay for this mess. There is, indeed, a specific
provision in the bill to throw $100 million every year down the rabbit
hole of “fighting fraud, waste, and abuse”. But there are no specific
provisions for using that money. It’s a total fraud. There are several
provisions to cut down on dual filings, overpayments, and whatnot, but
the bureaucratic expansion the Bill creates in order to implement them
completely overpower the potential benefit. The lion’s share of this
funding, to the tune of $375 billion every year, comes from taxes
levied against private insurance companies. The bill establishes a
“fair market” factor that adjusts every year as necessary, and the
insurance companies multiple this factor by the number of people they
insure to find out how much money they get to sacrifice to the Federal
Health Care Gods. Hooray! Screw the insurance companies! Right? The
only person stupid enough to believe that insurance companies will
swallow this additional charge is Nancy Pelosi. This tax means more
expensive premiums. Period.
More on the public option. The specifics of the federal mandates on
insurance coverage are horrible—you won’t be able to buy minimum
coverage. The max deductibles and requirements for zero cost sharing
for multiple services ensure that people won’t be able to buy less
insurance even if they want to; the bill criminalizes not paying for
exactly the quantity of coverage they tell you to. Any employer that
either fails to or chooses to not provide coverage as mandated by the
govt pays 8% of its payroll to the govt instead. This is much, much
cheaper than most companies currently pay for insurance. Hundreds of
thousands of workers will be dumped out of their employer-provided
coverage because the plans will simply disappear—makes economic sense
to the employers. And they will automatically get enrolled in the
public option, and the rest of us start paying for it. And they will
have to do this, too—because any point where you don’t have the
federally mandated quantity of coverage, you get fined 2.5% of your
annual salary. Additionally, every penny over $500k of annual salary
($1 million for joint filers) is taxed at an ADDITIONAL 5.4%. There is
little in the bill to reduce costs. There is much in the bill to
increase costs, federal expenditures, and expand bureaucracy, but
rather than reduce costs, they are artificially lowering costs for some
by pillaging from others.
There’s a lot more, too. There are also several things that are
probably really good ideas. But overall this Bill is an atrocity. I
fear for the country that is governed by the clowns and criminals that
produced such a document. If this is how bad it has gotten, I honestly
don’t know if there’s a way back or way out from the horrific state we
have placed ourselves in. Don’t ever trust the government to solve
anything. They don’t work for you anymore, and they are not here to
help.