Truth About Obamacare updates from 2010.

1.) The law expands entitlement spending by over $1 TRILLION in order to “cover” 30 Million more people. What will that do to State Budgets? We only need to look at history to find out. Cases in point?

a.) In 1965 the Fed projected that costs for Medicare Part A would be $9 Billion. It ended up costing $67 BILLION!
b.)
 The Medicaid special hospital subsidy was supposed to cost $100 MILLION. The real cost was $11 BILLION!
c.) The initial cost projections for Romneycare in Massachusetts were $880 MILLION. Cost today? $8.69 BILLION! Why? Forbes Magazine breaks down the 5 painful lessons we can LEARN from Massachusetts.

2.) It adds $500 Billion in new tax increases at a time in our history when a RECORD number (47%) of American households pay NO INCOME TAXES! And if you believe the lie told by President Obama in the following video:

you NEED to know the TRUTH:

According to the Joint Committee on Taxation (Congress’s official scorekeeper)“Taxpayers earning less than $200,000 a year will pay roughly $3.9 billion more in taxes in 2019 alone due to the “Patient Protection & Affordable Care” Act. The new law raises $15.2 billion over 10 years by limiting the medical expense deduction, a provision widely used by taxpayers who either have a serious illness or are older. Taxpayers can currently deduct medical expenses in excess of 7.5 % of their adjusted gross income. Starting in 2013, most taxpayers will only be able to deduct expenses greater than 10 percent of AGI. Older taxpayers are hit by this threshold increase in 2017. Once the law is fully implemented in 2019, the JCT estimates the deduction limitation will affect 14.8 million taxpayers — 14.7 million of them will earn less than $200,000 a year.”

Barrons number 1 rated Independent Financial Advisor and Syndicated Radio Talk Show Host Ric Edelman breaks down just how many new taxes are coming under Obamacare and how they will negatively affect you:

Not only will Obamacare create the BIGGEST tax increase in U.S history but it may also cost you your retirement. Sally Pipes, President of the Pacific Research Institute breaks down the risk to your retirement.

Speaking of NEW taxes, if you are a Small Business owner. Here’s what’s coming for you thanks to Obamacare:

Click here for a complete break down of the MULTIPLE onerous tax increases coming for Small Businesses.

For a complete breakdown of the DEVASTATING impact Obamacare has on the Uninsured, the States, our Doctors, our Seniors, our Businesses, our Tax Payers, Federalism, Future Generations & our Families CLICK  HERE.

A new Congressional Report (PDF) dated October 25, 2010 outlines how Obamacare will cost America more than 800,000 jobs.

Obamacare isn’t ALL bad though! Big Pharmaceutical companies will get EVEN BIGGER:

Chicago’s Heartland Institute breaks down an excellent time line of what is coming under Obamacare and how this legislation will NOT help low income Americans.

Remember when we were promised that Obamacare would “bend the cost curve down”? Richard Foster, the Obama Administration’s Medicare Actuary predicts net national health spending will increase by about 1% annually above the status quo that is already estimated to be $4.7 trillion in 2019. It’s also important to note that under this new legislation, the cost for health insurance will INCREASE for millions of Americans. It also means that the illusion that this legislation will “bend the cost curve” is just that, one BIG ILLUSION!

3.) The law ROBS Medicare and Social Security (AND THEY’RE BOTH ALREADY BROKE!) In fact, the Trustees of Medicare & Social Security state that the total unfunded liabilities between both programs are now more than $84 trillion! Worse yet, as of March 2010 Social Security is NOW OFFICIALLY BROKE!

For an in depth discussion on just how bad Obamacare will be for our already BANKRUPT Social Security & Medicare systems PLEASE watch the Medicare & Social Security symposium updated September 8th, 2010 on CSPAN. How bad is the impact of Obamacare on Medicare? According to Richard Foster (Medicare’s Chief Actuary) Obamacare quite literally GUTS MEDICARE of $4.95 Trillion over the next two decades.

Don’t believe Obamacare negatively impacts Medicare? Take a look at the difference between the 2009 and 2010 Medicare Trustees Reports. Far worse is the long term negative impacts of Obamacare on Medicare. The most shocking are those revealed by the National Center for Policy Analysis in their May 2011 report. Read it now by clicking here.
To see how much Medicare benefits you will lose (down to the penny) if Obamacare is implemented please read:
What Health Reform Means For Medicare

Unlike what you may have been told, the new law CREATES a $662 BILLION DEFICIT! How? According to the CBO report issued AFTER the “reform” bill was initially scored by them, the Democrats did NOT include the following expenses prior to the bills passage:

a.) 70 Billion for the “Class Act” (long term care coverage).
b.) $53 Billion that WILL BE ROBBED from the Social Security Trust fund.
c.) $71 Billion in appropriations needed to enforce the purchase of Insurance and to administer Obamacare (including $10 Billion for thousands of  new IRS agents to “enforce” the Health Insurance purchase mandate and 159 NEW Boards Grants & Federal Agencies to administer this behemoth.)
d.) $398 Billion that WILL BE ROBBED from the Medicare Trust Fund
e.) $208 Billion “doctor fix” that was passed AFTER the “reform” bill was passed on April 1st, 2010

How may you ask, will they be able to include these costs later? Simple! Just include them gradually in other bills. For example, here’s part of Obamacare that was included in the new “Jobs Bill”.

Representative Paul Ryan breaks it down with an easy to understand chart:

Representative Kevin Brady assembled a team to design a High Resolution Chart of what our health care system now looks like under Obamacare. To view and print this detailed chart please click here.

Here are the written results of his due diligence published in the August 1st, 2010 issue of Bloomberg. His team’s due diligence produced the same bleak outlook for our nation’s health care system as I have described in exhaustive detail in this blog.

After the aforementioned appearance on Fox News Sunday. Mr. Ryan further testified to this “double counting” in a Congressional hearing on March 20, 2010:

Only NOW is the main stream media FINALLY waking up to the fact that Obamacare will NOT reduce the deficit:

4.) In order to keep the final CBO score under $1 Trillion they counted these TRANSFERS from Medicare & the Social Security Trust Fund as “A Savings”. What will be the REAL result of this economic trickery? Charles Krauthammer discusses the INEVITABLE “Value Added Tax“.

5.) $468 BILLION in additional spending on subsidies to purchase government approved health insurance.

6.) $48 BILLION in additional spending for Medicaid. Did I mention that Medicaid costs are growing by 23% this year?  This MASSIVE expansion of Medicaid will lead to even LARGER budget deficits for States like California, Arizona, Illinois, Michigan and many others already facing crippling Medicaid burdens. In fact, nearly HALF of all the new insured after 2014 will be enrolled on to our already bankrupt Medicaid roles. The worst part about enrolling more than 16 million American’s on to our already bankrupt Medicaid rolls is that according to a large and comprehensive study completed by the University of Virginia, surgical patients on Medicaid are 97% MORE LIKELY TO DIE than those with private insurance. And they criticized Sarah Palin for using the term “Death Panels”?

I spoke about these 2 studies as well as who will bear the massive burden of paying to insure 33 million more Americans on Government approved health insurance at the 2011 Chicago Tax Day Tea Party:

Even more concerning is the fact that Dr. Ezekiel Emanuel (one of President Obama’s most trusted “Health Care” advisors) played a major role in drafting the Obamacare legislation. Dr. Emanuel designed a “Complete Lives System” which is nothing more than a glorified health care rationing system that quite literally lists how much health care should be “granted” to a human being depending on their age.

Then of course there was the recent appointment of Dr. Donald Berwick as the head of the Center for Medicare and Medicaid Services. Berwick is an advocate of rationing of health care and a lover – his description – of Britain’s National Health Service. With Obama’s appointment, Berwick is now effectively the second most powerful man in the federal government on health care matters. Here’s why Dr. Donald Berwick’s appointment to this position should more than just concern every American citizen. To download an in depth Power Point presentation regarding much more about Dr. Donald Berwick, including some very disturbing quotes click here.

Worse yet, the law could shift billions of dollars from cash-strapped states to the federal government by changing the way Medicaid prescription drug rebates are treated. This is exactly why so many States have filed suit to protect themselves against the new health care “reform” law. In fact, the State of Georgia’s Insurance Commissioner has stated that he’s not waiting for the lawsuits, he’s saying no to Obamacare RIGHT NOW!

7.) A Huge new increase on Capital Gains tax of almost 4%. Who does that affect? Anyone with any SAVINGS, most especially those in the market. So not only do we have RECORD unemployment, we’re now going to lose EVEN MORE of whatever savings we have LEFT!

8.) The law has a DECADE of Medicare Cuts a DECADE of Tax Increases, and only 6 yrs of supposed benefits! In fact, there will be over $500 Billion in Medicare cuts. What kind of cuts? Below are the Medicare cuts and when they begin:

Medicare cuts to hospitals begin: long‐term and inpatient and rehabilitation facilities (FY10)

Medicare cuts to inpatient psych hospitals (7/1/10) $132 Billion in Medicare Advantage Cuts Begin (2011) Medicare cuts to home health (2011)

“Wealthy Seniors” (making $85k to $170k) begin paying higher Part D premiums (not indexed for inflation in Parts B/D) (2011)

Medicare reimbursement cuts when seniors use diagnostic imaging like MRIs, CT scans and other Nuclear Medicine Scans. (2011)

Medicare cuts begin to ambulance services, ASCs, diagnostic labs, and durable medical equipment (2011)

Prohibition on Medicare payments to new physician‐owned hospitals (2011)

Seniors prohibited from purchasing power wheelchairs unless they first RENT for 13 Months (2011)

MORE Medicare cuts to long‐term care hospitals begin (7/1/11)

MORE Medicare cuts to hospitals and cuts to nursing homes and inpatient rehab facilities begin (FY12)

Medicare cuts to dialysis treatment begins (2012) Medicare to reduce spending by using an HMO‐like coordinated care model (Accountable Care Organizations) (2012) We ALREADY know how WELL HMO’s work!

MORE Medicare cuts to inpatient psych hospitals (7/1/12)

Medicare cuts to hospitals with high readmission rates begin (FY13)

Medicare cuts to HOSPICE begin (FY13)

New Tax of 2.3% on Medical Devices (2013)

Medicare cuts to hospitals who treat low‐income seniors begin (2013)

MORE Medicare cuts to home health begin (2014) MORE Medicare cuts to home health begin (2015)

Worse yet an Independent Payment Advisory Board (not doctors) has now been established to determine what medical services will and will not be covered. This panel has unprecedented powers. In fact, in order to override decisions made by this panel, a Super majority of 67 votes in the Senate is needed. The Office of Management and Budget Director Peter Orzag leaves no ambiguity as to the powers granted to this panel in this video.

Just so everyone is knows, the IPAB (Independent Payment Advisory Board) was MODELED after the Oregon State health care rationing board. Here’s how that worked out for one cancer patient in Oregon:

There are MANY more things Seniors AND THEIR DOCTORS need to know about Obamacare and NONE of it is good.
Click here to learn about out all the negative ramifications for Seniors.

9.) Let’s say we could afford to add another $682 BILLION (plus the aforementioned recently noticed $115 additional Billion) to our already MASSIVE $14.3 TRILLION debt. Does ANY ONE REALLY BELIEVE that’s ALL this legislation is going to cost us? Let’s look at some history:

a.) In 1965 the Fed projected that costs for Medicare Part A would be $9 Billion. They ended up being $67 BILLION.
b.) The Medicaid special hospital subsidy was supposed to cost $100 MILLION. Instead the real cost was $11 BILLION! That’s ONE HUNDRED TIMES GREATER!

10.) The law includes $132 Billion in CUTS to the Medicare Advantage program.

11.) One of the MANY costs associated with this law that were NOT included in the CBO score were the appropriations (money needed to fund the 159 new government agencies needed to implement “Obamacare”). $10 BILLION OF WHICH WILL BE SPENT HIRING ANOTHER THOUSANDS OF NEW IRS Agents! To whom you will report each month confirming purchase and maintenance of Government approved Health Insurance for each of your employees AND their families. How much will you pay?

12.) Depending on the size of your business, the law mandates that employers pay 72.5% of all of their employee’s health insurance premiums and 65% of all of their employee’s families premiums! Employers must also provide a health insurance “voucher” to all low wage workers to help them pay for health insurance. In addition, changes to the tax code’s section 6041 regarding 1099 reporting were slipped into the 2000-page health legislation. The changes will force millions of businesses to issue hundreds of millions, perhaps billions, of additional IRS Form 1099s every year.
Click here for more about how the new 40% “Cadillac Tax” will also negatively impact the MAJORITY of businesses.

What harm will this do to our American Businesses? Companies like John Deere, Boeing, Caterpillar, Prudential Life, 3M, Honeywell, AK Steel Holding Corp, ITW, Valero Energy, Allegheny Technologies and EIGHTY other companies have stated this new law will cost them MILLIONS. In fact, because the fines for not maintaining health insurance are so small compared to the cost to maintain health insurance. Many companies are considering canceling their employees coverage.

The centers for Medicare & Medicaid services released a damning report on this legislation. More on this:

13.) Remember when the President said “You can keep your plan”?

Click here to see why the President apparently “mis-spoke”.

Americans have ALREADY lost their plans since Obamacare was signed. Sadly many are seniors.

14.) Remember when the President said “The penalty for NOT purchasing Health Insurance is NOT a Tax?

Click here to see why the President apparently “mis-spoke” AGAIN!

15.) Remember when the President said during the State of the Union speech that a man from Downers Grove Illinois “had his coverage canceled, his treatment denied and he died because of it”?  The video below tells us how the President “mis-spoke” AGAIN. Remember the rule in baseball, three strikes you’re out? Well, 3 “mis-speaks” and you are a LIAR!

We’ve discussed the outright LIES but what about ALL of these BROKEN Obamacare Promises?

The new law requires insurers to charge enrollees of the same age the same premium, regardless of health status. That’s a price control, and it will cause premiums for healthy people to rise dramatically and thus lead to massive adverse selection.  Healthy people will gravitate to High Deductible HSA qualified plans where they will also face much higher premiums than they would have before Obamacare.

16.) But wait a minute! Doesn’t the AMA (American Medical Association) support Obamacare? Yes, but the AMA comprises only 17% of doctors in the U.S. This number is also comprised of medical students & medical professors but very few private practice physicians. The AMA also has a HUGE financial incentive for supporting Obamacare. The Wall Street Journal explains why the AMA has 100 MILLION REASONS to support Obamacare.

More on this less than transparent allegiance from Dr. Arie Friedman, a well known PRACTICING Pediatrician from the State of Illinois:

Dr. Friedman is a member of www.docs4patientcare.org which is an organization of thousands of concerned physicians across the country who are committed to the establishment of a health care system that preserves the sanctity of the doctor-patient relationship, promotes quality of care, supports affordable access to all Americans, and protects patients’ freedom of choice. If you value privacy pertaining to your health history. You must read Dr. Friedman’s latest article in American Thinker. Dr. Friedman states very clearly that HIPAA Privacy laws are now a thing of the past.

Dr. Friedman’s primary concerns are the new regulations outlined in two separate pieces of legislation that also passed. One piece of legislation, the Health Care & Education Affordability Reconciliation Act” was passed along with  the PPACA – Patient Protection & Affordable Care Act (a.k.a “Obamacare”) and one passed earlier. Namely the American Recovery and Reinvestment Act of 2009 (a.k.a. the “Stimulus”) Both paved the way for health care RATIONING in real time. Read more here.

Below Dr. David Janda describes exactly how these two separate pieces of legislation will usurp the doctor/patient relationship, and most definitely lead to rationing of care:

Here’s what a few of the other members of Docs For Patient Care.org think about the new Health Care “reform” law:



What do other doctor’s have to say about Obamacare? In September 2010, more than 20 Physicians from Long Island New York decided to speak the truth about Obamacare in a new You Tube video series.

Another PRACTICING Physician, Dr. James P. Brown (a Urologist from Chicago) explains in GREAT detail what the implications of this Health Care “reform” legislation will be in the videos below:


Click the link below to download Dr. Brown’s excellent Power Point presentation on the Implications of Health Care “Reform”:

The Implications of Health Care “Reform”.

Forbes magazine explains why most PRIVATE PRACTICE physicians DO NOT support Obamacare.

Speaking of Doctors, according to the Association of American Medical Colleges Obamacare will cause a shortage of more than 63,000 physicians.

There is however, one doctor who supports Obamacare that you NEED to know about. His name is Dr. Donald Berwick and without ANY Congressional vetting process he was appointed as the new head of the Centers for Medicare & Medicaid Services over the Independence Day holiday. Why was there no Congressional vetting process? Click the link below to download Dr. Arie Friedman’s Power Point Presentation that explains why:

The TRUTH about Dr. Donald Berwick

The health care rationing that Conservatives were concerned about may well have already begun.

Speaking of doctors. The State of Massachusetts has MORE doctors than ANY other State due to their “Mass Care” (e.g. Romney Care) legislation. Yet the average waiting period to see a doctor in Massachusetts is 47 DAYS! We are also facing a doctor shortage nationwide. This will only INCREASE under “Obamacare”.

Click here to read how the Canadian Government took control of private medicine by price controls, rationing and mandates much to the detriment of Canadian citizens. This historical debacle is eerily familiar to what our current Administration is trying to accomplish right now. This is a MUST READ for all Americans.

Speaking of Canada’s health care system. REGARDLESS of what you’ve been told. The Canadian Single Payer health care system is an ABSOLUTE nightmare. Watch the short documentary films below that reveal the TRUTH about Canada’s Single Payer health care system:

Here’s the story you just saw in the news:


Speaking of the Canadian Health Care system. If it’s “so great” why did a Canadian Premier come to FLORIDA for his heart surgery? He made it very clear when he said: “This is my heart, it’s my health and it’s my choice” – Danny Williams.
Read the story you WILL NOT read in the main stream media.

To hear about the DEPLORABLE treatment that “Baby Joseph” received prior to being RESCUED from Canada’s health care death panel. Listen to his NEW American treating physician. In case you’ve been living under a rock and have not heard this story (or you are a Liberal) here’s Baby Joseph’s real life story of how he was RESCUED from Canada’s health care death panel just in the nick of time. Thanks to a brave Catholic Priest, Dr. Frank Pavone of “Priests For Life” he is being treated right here in America now. Read Father Pavone’s story here.  By the way, Baby Joseph received that much needed tracheotomy that he should have gotten MONTHS ago, and he’s breathing much better now.

But WAIT, didn’t WHO (World Health Organization) label the U.S. Health Care system at number 37? Yes they did and here’s the TRUTH about how they derived that number.

Well what about our “Infant Mortality Rate”? I heard that’s bad too. Here’s the TRUTH about how THAT rate was derived.

17.) What about those Tax Credits that are supposed to be so “helpful” to Small Businesses? 
The Associated Press breaks down just how “elusive” those are
. The National Center for Policy Analysis breaks down how these Tax Credits will actually IMPEDE the growth of business.

Hat tip to NFIB for doing an even better job of breaking down these Small Business Tax Credits:

The CBO cites that just 12 percent of the small business population would benefit in any way.  The credit is very restrictive and puts small business owners through a series of complicated “tests” to determine the actual amount of the credit. Three conditions must be met for small businesses to qualify for any portion of the credit:

Business size – Very few small firms will receive the full credit (only firms with 10 employees or less). For firms with 11-25 employees, the credit is reduced per employee. Firms with more than 25 employees get NO credit.
Average employee wages – The credit is tied to the average wage of workers. Only firms who pay their workers $25,000 or less are eligible for the full credit. The credit is reduced as the average wage goes up, stopping at $50,000. (Note: Average wage for a firm with 10 or fewer employees is approximately $27,000.)
Employer contribution – Only firms covering 50 percent or more of insurance costs will be eligible. The credit is only available for a maximum of six years, but healthcare costs will continue to increase well after those six years.

18.)
 The law imposes a tax on small business health insurance plans. Messaged as a “health insurance fee,” this tax is actually a tax on small business. The new tax is structured as an annual fee on insurers and it does not expire. The annual “fee” begins at $8 billion in 2014 and steadily increases to $14.3 billion in 2018. In subsequent years, this fee remains at $14.3 billion annually added to whatever the rate of premium increase is for that year. One thing health insurers (and the CBO) have made clear: new taxes on them mean new costs passed on to customers. Small businesses will be paying for this new tax.
·        How it works: An insurer’s portion of the annual tax will be determined based on their market share. Insurers aren’t simply going to absorb this new, expensive tax.
·        These new costs will be passed solely onto the fully-insured market (where nearly all small businesses buy their insurance) because Congress exempted self-insured plans (big business and labor unions are exempt).
·        Early estimates from policy analysts show family premiums are expected to go up at least $500 per year.
·        Simply put: This is not a tax insurers will be paying. This is a tax on small businesses’ health insurance plans.
·        Small businesses already suffer from high and volatile costs increases; a new tax like this doesn’t help to reduce future costs. For a PDF of the onerous new requirements and multiple new taxes placed on employers click here.

19.)
 The law increases the tax paperwork costs on small businesses. The so-called “corporate reporting” requirement will place a new and enormous tax-filing burden on all small business owners. The cost of complying with the new filing requirements will increase the cost of doing business and falls disproportionately on small business owners.
·        Businesses will have to send Form 1099s for every business-to-business transaction of $600 or more – a tremendous new paperwork burden.
·        The costs associated with tax paperwork (on average, more than $74 per hour) is the most expensive paperwork burden that the federal government imposes on small business owners.
·        The cost of tax compliance falls heavily on small business and is 66 percent higher for a small business compared to a large business.
·        Complying with the tax code is especially burdensome to small business owners, because they lack in-house finance departments like most large businesses. This means the burden to comply with the paperwork is either handled by the owner or outsourced to an accounting firm.
This new law has also place significant additional Tax and accountanting fee burdens on those who purchase, sell or own Gold. Read more about these onerous additional Tax burdens from ABC News.

20.)
The Bill imposes an unprecedented increase in Medicare payroll tax. Since its creation, payroll taxes that fund Medicare programs have been dedicated specifically to funding Medicare. Not only does H.R. 3590 increase the Medicare payroll tax to 2.35 percent but it uses the additional revenue to pay for non-Medicare programs, creating a dangerous precedent to use payroll taxes to pay for more non-Medicare programs in the future.
·        The bill adds a new tax on income over $200,000 for individuals ($250,000 for joint filers). Adding to the problem, wages are not indexed for inflation, meaning that more small businesses will face this tax increase each year.
·        Since 75 percent of small business owners pay their taxes at the individual level, this tax will hit the business income of many small business owners.
·        The businesses most likely to see the tax increase are those that employee between 20 to 200 workers. These businesses account for more than one-quarter of the American workforce.

21.) 
The law imposes a new Medicare tax on non-payroll income. This new tax continues the unprecedented trend of dedicating Medicare tax revenue to non-Medicare programs and also expands the tax to additional sources of income.
·        Medicare has traditionally been funded by taxes paid on a worker’s wages. The new 3.8 percent tax on those reporting $200,000 in income ($250,000 for joint filers) will, for the first time, apply to non-wage income such as capital gains, rents, interest, royalties and dividends. (75 percent of small business owners pay their taxes at the individual level).
·        Ninety-five percent of small business owners own real estate. Whether the real estate is sold for a profit or rented to another business, this income will now be subjected to an additional 3.8 percent tax.
·        This new tax will deter investment in businesses and other profit-earning ventures.

22.) The new law allows ANYONE to purchase Health Insurance at ANY TIME regardless of Pre-existing conditions. That sounds very “fair” doesn’t it? There’s only ONE problem with that? Since they can buy it at ANY time without regard to Pre-existing conditions, THEY HAVE NO REASON TO KEEP THE POLICY once they’re treatment is over! What will that do? We don’t have to wait to find out. We just need to look at Obamacare’s evil twin “Romney Care” in the State of Massachusetts to find out. The initial cost projections for “Romneycare” were $880 Million. Today “Romneycare costs the American Tax Payers FOUR BILLION DOLLARS with a projected 2011 fiscal DEFICIT of $294 Million.

23.) The Law imposes an  “individual mandate.” All Americans who earn more than the poverty line will be required to obtain some form of health insurance. If they do not, there will be a “penalty” (TAX) in 2014 of $95 a year or 1 percent of household income. In 2015 the fine will increase to $325 or 2 percent of income and in 2016 the fine will increase to $695 or 2.5 percent of income (with a maximum of $2,085 for a family).

Attorney Ken Klukowski discusses very concisely and very clearly why this “individual mandate” is Unconstitutional:




Shortly after Obamacare was passed I had the strange desire to grow a beard and start whittling wood. Why? Well as it turns out the “Individual Health Insurance Purchase Mandate” doesn’t REALLY apply to all Americans. In fact, religions such as the Amish and others are exempt from the “Individual Mandate”.

Congressman (and Doctor) Ron Paul also explains why the “individual mandate” is CLEARLY Unconstitutional:

John Cassidy of “New Yorker” Magazine states “Two issues immediately arise. Even if the fines are vigorously enforced, many people may choose to pay them and stay uninsured. Consider a healthy single man of thirty-five who earns $35,000 a year. Under the new system, he would have a choice of enrolling in a subsidized plan at an annual cost of $2,700 or paying a fine of $875. It may well make sense for him to pay the fine, take his chances, and report to the local emergency room if he gets really sick. (E.R.s will still be legally obliged to treat all comers.) If this sort of thing happens often, as well it could, the new insurance exchanges will be deprived of exactly the sort of healthy young people they need in order to bring down prices. (Healthy people improve the risk pool.)

If the rules aren’t properly enforced, the problem will be even worse. And that is precisely what is likely to happen. The I.R.S. will have the administrative responsibility of imposing penalties on people who can’t demonstrate that they have coverage, but it won’t have the legal authority to force people to pay the fines”. “What happens if you don’t buy insurance and you don’t pay the penalty?” Ezra Klein, the Washington Posts industrious and well-informed blogger, asks. “Well, not much. The law specifically says that no criminal action or liens can be imposed on people who don’t pay the fine.

Quick question, if criminal penalties are no longer in the legislation and the only way to collect the “Penalties” (a.ka. TAXES) is through the use of the Internal Revenue Service. How EXACTLY will these penalties be collected from the 51.6 Million tax filers who paid NO INCOME TAXES last year? (some of which earned $50,000/year) More importantly, since the criminal penalties were removed (for not buying health insurance) the WORST the IRS can NOW if you do not buy health insurance is send you a “STERN LETTER”.

So guess who will be picking up the tab to insure all those who refuse to purchase health insurance? You guessed it! You and I, the ALREADY overburdened U.S Tax payers. This legislation is NOT about cutting costs, it is instead, about SHIFTING costs from those who do NOT pay to those who are ALREADY paying.

In short, you the American Tax Payer (the few, the proud) will now be paying substantially more for your health insurance because YOU will now be BUYING 33 MILLION people a brand new Health Insurance policy. Not a policy that just covers catastrophic care (you know like the one you probably have now because you’re trying to SAVE money). Oh NO, this is going to be a “gold plated” health care plan, without ANY out of pocket expense for a MASSIVE amount of new Preventative Care and other medical benefits. In fact, more than 80 new mandates have already been added to all “non grandfathered” health insurance plans as of 9/23/2010. Those are just the “Preventative Care” mandates. There are even more mandates. Blue Cross outlines them here.

You see the problem is, NOTHING is free! It may be “free” for some, but the vast majority of tax payers and health insurance policy holders will pay MUCH more now for their health insurance coverage. How much more? Well, now that we have received updated “Obamacare compliant” quoting software for effective dates of 10/1/2010 we can now confirm that rates have increased between 19% and 47% due specifically to all of the “free” health insurance mandates imposed upon the insurance industry on 9/23/2010.

The State of Connecticut just approved a 47% premium increase for Anthem Blue Cross plans due specifically to the new Obamacare mandates imposed upon the health insurance industry as of 9/23/10.

24.) Arguably the most troubling language in the law is the new 80%/20% and 85%/15% MLR’s (Medical Loss Ratios)  applied to all private Health Insurance companies. These new MLR’s could very conceivably bring about the END of most smaller  Health Insurance companies that offer Individual and Small Group coverage in a very short period of time. In fact, it could begin happening as soon as June 2010Robert A. Book PHD & Senior Fellow of Health Economics at the Heritage Foundation explains why. Even the NY times now admits (2 months after Obamacare was passed) that these new onerous MLR’s mean that MANY American’s will NOT be able to “keep their plans”. Five health insurance carriers have closed their doors since Obamacare was signed on March 23rd. I comment on why in the June issue of Health Plan Week from Washington D.C. (My comments begin on page 5 of the PDF)

Sadly I was right about the damaging affects of the new MLR’s. In fact, the affects were so bad that the Health & Human Services Department has now issued “Get Out of Obamacare Free Cards” to the McDonalds corporation, the Jack in the Box corporation and 109 other companies due specifically to the onerous new MLR’s. Without these waivers these companies would be forced to terminate their existing health insurance plans leaving hundreds of thousands of employees with no health insurance benefits at all. More on this:

As of April 2011, there are now MORE than 3 Million Obamacare “waivers.”

25.) Besides the MASSIVE taxes that begin immediately, MANY CUTS begin as well and the bulk of them will hit Medicare recipients. Oh and remember when we were told by President Obama & Speaker Pelosi that children would be able to get coverage for pre-existing conditions 6 months after the new bill was signed? They FORGOT to include that in the bill! So now, NOT EVEN THAT “benefit” will begin until 2014! That was, until the Health Insurance companies agreed to honor this new law THIS YEAR, EVEN THOUGH the legislation stated they did not have to until 2014!

Strangely enough, people have forgotten that THIS IS ALREADY THE LAW IN MOST STATES! Moreover, the dramatic expansion of SCHIP already ensures that most children have access to guaranteed issue health insurance already. Although States like Arizona have recently terminated their SCHIP program because it has rendered them BANKRUPT. So be sure to check with your State SCHIP administrator to make sure there’s entitlement money left for you!

In addition, many States like Illinois have already passed similar legislation that allows children with pre-existing conditions to be insured on a guaranteed issue basis and to stay on their parents policy until the age of 26. Side bar: Are they REALLY still children at age 26? Did you know that SEVENTY FIVE PERCENT of the children insured on our Illinois Tax Funded “All Kids Covered” program are ILLEGAL ALIENS?

LONG before Obamacare, adults could already get guaranteed issue health insurance coverage on an individual basis in 45 States in our union. The truth is we do not need Obamacare to solve pre-existing conditions. Most especially since Government is to BLAME for pre-existing conditions in the first place.

Obamacare is not ALL bad though. In fact, if you are Uninsurable, live in one of the 5 States that does not already have a High Risk health insurance pool or a guaranteed issue individual mandate AND you have been uninsured for 6 months AND you can afford HIGH premiums. Then ObamaCare’s severely underfunded Temporary High Risk Health Insurance Pools are the answer for you! Click here to sign up NOW!

26.) The democrats also left the 21% reduction in medicare payments to physicians out of the bill and state they will tackle that in another bill. BUT by NOT counting it in the final CBO score, they consider it “a savings”. By the way, that passed on April 1st, 2010 and here’s how that will not affect YOU. This 21% “doctor fix” passed AFTER the Mayo Clinic stated because of MASSIVE losses in 2008 they will NO LONGER BE ACCEPTING MEDICARE!

27.) You know the CBO (Congressional Budget Office) that the Democrats “TRUSTED” to give “accurate predictions” on what the cost of their health care reform legislation would be? Their Director stated on March 8th, 2010 that the current U.S. Fiscal Policy is UNSUSTAINABLE.

Why would the CBO state that our Fiscal Policy is UNSUSTAINABLE? The following video makes it CRYSTAL clear:

28.) Speaking of the President, the law also EXEMPTS HIM & SENIOR CONGRESSIONAL STAFF MEMBERS FROM THIS LEGISLATION!

29.) Remember the other LIE promoted as a justification for this health care “reform” law. The one that States we need this “reform” so that the Insured stop paying more because they pay for the Uninsured a.k.a. “Uncompensated Care”? Here’s the TRUTH about that! There is ABSOLUTELY NO EVIDENCE to support this LIE. More on this in the WSJ.

30.) Remember the “law of unintended consequences”. This ALWAYS applies to ANY Federal Legislation.   
Click here to see the MULTIPLE NEGATIVE “side effects” of Obamacare
.

I recently spoke about the Fiscal Fiasco that is Obamacare along with Congressman Peter Roskam and Dr. Arie Friedman for the Tri County Tea Party in St. Charles, Illinois.



Below are Congressman Peter Roskam’s comments from that evening:


Fast Forward the next video to 2:30 to catch up to where the video above ended.




Finally, below are Dr. Arie Friedman’s comments from that evening:



A brief Question and Answer session with Dr. Friedman & myself:

Below is a four part round table discussion that Illinois 8th District Congressional Candidate Joe WalshArie Friedman M.D (the pediatrician in the video above) Steve Stevlic (the Chicago Tea Party Coordinator) and myself taped for Chicago public T.V:




Below is my full speech on the TRUTH about Obamacare:





I spoke about just how BAD this new legislation is at a recent health care town hall for the Northern Illinois Patriots:

Remember when our President said that if you make less than 250,000 (as a couple) or $200,000 as an individual, your Taxes will NOT GO UP ONE SINGLE DIME? Paul Mitchell revealed the TRUTH about that statement at the Libertyville Tea Party on July 5th, 2010:

I went in to greater detail about Obamacare immediately after Paul’s excellent break down of the new Obamacare taxes:


Even more details were discussed including a Q&A at the July 3rd, 2010 Tea Party in Palatine, Illinois


More TRUTH about Obamacare from the Chicago Tea Party Freedom Rally on 9/12/2010:

Click here to read Congresswoman Melissa Bean’s letter to her constituents regarding why she voted yes on Obamacare

Click here to read my response to Congresswoman Melissa Bean’s emotional (BUT FACTLESS) letter.

An abbreviated version of my response to Melissa Bean was published in the
July issue of the Conservative Magazine of Illinois.

For more required reading on the Obamacare legislation visit: Champion News.net

Champion News did a GREAT piece on the Health Care townhalls being held around Illinois each month by our 8th District Congressional Candidate Joe Walsh

Read Part 1) HERE
Read Part 2) HERE

Now for three Hat Tips to other bloggers & news sources tackling the TRUTH about this new law:

1.) CNN (yes I said CNN): The TRUTH about Health Care Reform

2.) If you love Liberty, you will NOT like the ramifications this law has on families. Chuck Donovan at the Heritage Institute breaks down the Liberties families LOSE under this new health insurance “reform” law below:

More Families Covered but Less Family Choice

Millions of families gain an entitlement to health insurance under the mandates on individuals and employers in PPACA. The law’s creation of new affordability tax credits will ease the purchase of health insurance for middle-income Americans.

But the new credits go hand in hand with increased regulation of private health plans. Moreover, families gained nothing from PPACA that will permit them to purchase better or cheaper plans across state lines.[2] The new law also does nothing to increase the variety of insurance available in the market, which could include family-friendly options like health plans managed by professional associations, unions, and faith-based groups. Nor will families be able to purchase health plans that exclude coverage for services to which they ethically object or which they do not need.

Undermining the Role of Parents

PPACA expands several funding streams that undermine parental responsibility and authority to direct the upbringing of their children. The law lavishes federal dollars on programs like school-based health centers and a new “Personal Responsibility Education” (PRE)[3] program that deny parents knowledge of sensitive services their children receive in federally funded projects.

First, PPACA creates a new $50 million per year appropriation for school-based health centers, many of which either offer contraception on site or refer for contraception and even abortion. The law states that the recipient clinics must honor “parental consent and notification laws that are not inconsistent with Federal law.”[4] However, the federal Medicaid and Title X (Public Health Service Act) laws stipulate that the confidentiality of teens obtaining services must be respected, nullifying any state or local parental notice or consent policies.[5]

Second, the new PRE program provides $75 million per year for grants to help states reduce pregnancies and births to teenagers. Unlike the 1996 welfare reform, however, the new program does not incentivize states to reach these goals without increasing their abortion rates.

Penalizing Marriage

Another disturbing feature of PPACA is the fact that it imposes—across a broad range of income and age—significant financial penalties on the decision to marry.

The marriage penalty imposed by the law could exceed $10,000 per year for certain couples.[6] This is because the affordability tax credit phases out rapidly as income rises.

Not only does this health insurance marriage penalty dissuade a younger, low-income couple from getting married—which is one of the most beneficial life decisions they can make for themselves and for their children—but it also provides older couples, some of the hardest hit by this law, with an incentive to obtain a “divorce of convenience.”

For example, a 60-year-old couple, each with an income of $15,000 per year and purchasing insurance in the non-group market, would gain $4,212 in tax savings if they obtained a sham divorce and bought insurance separately. A similar couple, each making $30,000, per year would realize $10,425 in tax savings if they divorce and cohabit rather than remain married.

Undercutting Freedom of Conscience

As health care reform proceeded, strong majorities of Americans supported protecting provider and insurer rights of conscience as well as limiting the use of tax funds for abortion. In March 2009, 87 percent of respondents to a national poll supported ensuring “that healthcare professionals in America are not forced to participate in procedures and practices to which they have moral objections.”[7] A January 2010 Quinnipiac Survey found that 67 percent of Americans oppose public funding of abortion.[8]

Conscience Protections. PPACA does make clear that no qualified health care plan can be required to cover abortion as an “essential” benefit. It also ensures that no health care plan that participates in the state-based exchanges may discriminate against a health care facility or provider because of its unwillingness “to provide, pay for, provide coverage of, or refer for abortion.”[9]

The law does not, however, prevent the federal and state governments from practicing this same discrimination. An effort to add such an amendment to the bill failed in a Senate committee in September 2009. While there is an annual appropriations rider to this effect on the bill funding the Department of Health and Human Services, it lacks permanent force, and regulations to implement it were suspended by President Obama in March 2009 as a step toward its likely rescission.

Abortion Funding. Currently, every health care plan in the Federal Employees Health Benefits Program may not as a matter of law include coverage of elective abortion. Under PPACA, health care plans that cover elective abortion may participate in the state-based exchanges provided they require each enrollee to pay a separate premium of not less than $12 per year for elective abortion coverage.[10]

The Executive Order. On March 24, President Obama signed an executive order that attempts to apply conscience protections and abortion funding limits to the full text of PPACA. Regardless of the order’s intent, judicial rulings for the past 35 years have made it clear that public funding of elective abortions in federal programs cannot be barred without the kind of direct ban that Congress failed to include in many parts of PPACA.[11]

Reason for Disappointment

Advocates of family values in health care reform have reason to be deeply disappointed with the overall impact of PPACA. The passage of legislation that increases parental control and choice regarding health care insurance, avoids marriage penalties, guarantees conscience protections, and limits taxpayer support for controversial practices like abortion must await a future Congress.

If you are walking your precincts and are in need of a 1 page leave behind on the TRUTH about Obamacare click here.

3.)  The Huffington Post (that’s right, I said the Huffington Post) who reprinted the following EXCELLENT break down between Myths and Truth by the folks @ www.firedoglake.com

Myth

Truth

1. This is a universal health care bill.
The bill is neither universal health care nor universal health insurance. Per the CBO:

  • Total uninsured in 2019 with no bill: 54 million
  • Total uninsured in 2019 with Senate bill: 24 million (44%)
2. Insurance companies hate this bill

This bill is almost identical to the plan written by AHIP, the insurance company trade association, in 2009. The original Senate Finance Committee bill was authored by a former Wellpoint VP. Since Congress released the first of its health care bills on October 30, 2009, health care stocks have risen 28.35%.
3. The bill will significantly bring down insurance premiums for most Americans.
The bill will not bring down premiums significantly, and certainly not the $2,500/year that the President promised.Annual premiums in 2016, status quo / with bill:Small group market, single: $7,800 / $7,800Small group market, family: $19,300 / $19,200Large Group market, single: $7,400 / $7,300Large group market, family: $21,100 / $21,300Individual market, single:$5,500 / $5,800*Individual market, family: $13,100 / $15,200*
4. The bill will make health care affordable for middle class Americans.
The bill will impose a financial hardship on middle class Americans who will be forced to buy a product that they can’t afford to use.A family of four making $66,370 will be forced to pay $5,243 per year for insurance. After basic necessities, this leaves them with $8,307 in discretionary income — out of which they would have to cover clothing, credit card and other debt, child care and education costs, in addition to $5,882 in annual out-of-pocket medical expenses for which families will be responsible.
5. This plan is similar to the Massachusetts plan, which makes health care affordable. Many Massachusetts residents forgo health care because they can’t afford it.A 2009 study by the state of Massachusetts found that:

  • 21% of residents forgo medical treatment because they can’t afford it, including 12% of children
  • 18% have health insurance but can’t afford to use it
6. This bill provide health care to 31 million people who are currently uninsured.
This bill will mandate that millions of people who are currently uninsured must purchase insurance from private companies, or the IRS will collect up to 2% of their annual income in penalties. Some will be assisted with government subsidies.
7. You can keep the insurance you have if you like it.
The excise tax will result in employers switching to plans with higher co-pays and fewer covered services.

Older, less healthy employees with employer-based health care will be forced to pay much more in out-of-pocket expenses than they do now.

8. The “excise tax” will encourage employers to reduce the scope of health care benefits, and they will pass the savings on to employees in the form of higher wages. There is insufficient evidence that employers pass savings from reduced benefits on to employees.
9. This bill employs nearly every cost control idea available to bring down costs.
This bill does not bring down costs and leaves out nearly every key cost control measure, including:

  • Public Option ($25-$110 billion)
  • Medicare buy-in
  • Drug reimportation ($19 billion)
  • Medicare drug price negotiation ($300 billion)
  • Shorter pathway to generic biologics ($71 billion)
10. The bill will require big companies like WalMart to provide insurance for their employees The bill was written so that most WalMart employees will qualify for subsidies, and taxpayers will pick up a large portion of the cost of their coverage.
11. The bill “bends the cost curve” on health care.
The bill ignored proven ways to cut health care costs and still leaves 24 million people uninsured, all while slightly raising total annual costs by $234 million in 2019.“Bends the cost curve” is a misleading and trivial claim, as the US would still spend far more for care than other advanced countries.In 2009, health care costs were 17.3% of GDP.Annual cost of health care in 2019, status quo: $4,670.6 billion (20.8% of GDP)Annual cost of health care in 2019, Senate bill: $4,693.5 billion (20.9% of GDP)
12. The bill will provide immediate access to insurance for Americans who are uninsured because of a pre-existing condition. Access to the “high risk pool” is limited and the pool is underfunded. It will cover few people, and will run out of money in 2011 or 2012Only those who have been uninsured for more than six months will qualify for the high risk pool. Only 0.7% of those without insurance now will get coverage, and the CMS report estimates it will run out of funding by 2011 or 2012.
13. The bill prohibits dropping people in individual plans from coverage when they get sick. The bill does not empower a regulatory body to keep people from being dropped when they’re sick.There are already many states that have laws on the books prohibiting people from being dropped when they’re sick, but without an enforcement mechanism, there is little to hold the insurance companies in check.
14. The bill ensures consumers have access to an effective internal and external appeals process to challenge new insurance plan decisions. The “internal appeals process” is in the hands of the insurance companies themselves, and the “external” one is up to each state.
Ensuring that consumers have access to “internal appeals” simply means the insurance companies have to review their own decisions. And it is the responsibility of each state to provide an “external appeals process,” as there is neither funding nor a regulatory mechanism for enforcement at the federal level.
15. This bill will stop insurance companies from hiking rates 30%-40% per year.

This bill does not limit insurance company rate hikes. Private insurers continue to be exempt from anti-trust laws, and are free to raise rates without fear of competition in many areas of the country.
16. When the bill passes, people will begin receiving benefits under this bill immediately
Most provisions in this bill, such as an end to the ban on pre-existing conditions for adults, do not take effect until 2014.Six months from the date of passage, children could not be excluded from coverage due to pre-existing conditions, though insurance companies could charge more to cover them. Children would also be allowed to stay on their parents’ plans until age 26. There will be an elimination of lifetime coverage limits, a high risk pool for those who have been uninsured for more than 6 months, and community health centers will start receivingmoney.
17. The bill creates a pathway for single payer.

Bernie Sanders’ provision in the Senate bill does not start until 2017, and does not cover the Department of Labor, so no, it doesn’t create a pathway for single payer.
Obama told Dennis Kucinich that the Ohio Representative’s amendment is similar to Bernie Sanders’ provision in the Senate bill, and creates a pathway to single payer. Since the waiver does not start until 2017, and does not cover the Department of Labor, it is nearly impossible to see how it gets around the ERISA laws that stand in the way of any practical state single payer system.
18 The bill will end medical bankruptcy and provide all Americans with peace of mind.
Most people with medical bankruptcies already have insurance, and out-of-pocket expenses will continue to be a burden on the middle class.

  • In 2009, 1.5 million Americans declared bankruptcy
  • Of those, 62% were medically related
  • Three-quarters of those had health insurance
  • The Obama bill leaves 24 million without insurance
  • The maximum yearly out-of-pocket limit for a family will be $11,900 (PDF) on top of premiums
  • A family with serious medical problems that last for a few years could easily be financially crushed by medical costs

Sources –
A. Is America about to go broke? – MSN Money

B. Paul Ryan vs. The President – Wall Street Journal

  1. March 11, Letter from Doug Elmendorf to Harry Reid (PDF)
  2. The AHIP Plan in Context, Igor Volsky;<a title=”Permanent Link to The Max Baucus WellPoint/Liz Fowler Plan” href=”http://emptywheel.firedoglake.com/2009/09/08/liz-fowlers-plan/&#8221; rel=”bookmark”> The Max Baucus WellPoint/Liz Fowler Plan, Marcy Wheeler
  3. CBO Score, 11-30-2009
  4. “Affordable” Health Care, Marcy Wheeler
  5. Gruber Doesn’t Reveal That 21% of Massachusetts Residents Can’t Afford Health Care, Marcy Wheeler; Massachusetts Survey (PDF)
  6. Health Care on the Road to Neo-Feudalism, Marcy Wheeler
  7. CMS: Excise Tax on Insurance Will Make Your Insurane Coverage Worse and Cause Almost No Reduction in NHE, Jon Walker
  8. Employer Health Costs Do Not Drive Wage Trends, Lawrence Mishel
  9. CBO Estimates Show Public Plan With Higher Savings Rate, Congress Daily; Drug Importation Amendment Likely This Week, Politico; Medicare Part D IAFA Monopoloy on Biologics Will Drain Health Care Resources, Lancet Student
  10. MaxTax Is a Plan to Use Our Taxes to Reward Wal-Mart for Keeping Its Workers in Poverty, Marcy Wheeler
  11. Estimated Financial Effects of the “Patient Protection and Affordable Care Act of 2009,” as Proposed by the Senate Majority Leader on November 18, 2009, CMS (PDF)
  12. Health insurance companies hang onto their antitrust exemption, Protect Consumer Justice.org
  13. What passage of health care reform would mean for the average American, DC Examiner
  14. How to get a State Single Payer Opt-Out as Part of Reconciliation, Jon Walker
  15. Medical bills prompt more than 60 percent of U.S. bankruptcies, CNN.com; The Patient Protection and Affordable Care Act Section‐by‐Section Analysis (PDF)
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