The Unfolding Nightmare of The (Totally Unaffordable) Affordable Care Act

It is possible to write a thousand essays about the failings of the Affordable Care Act, each covering a different aspect of this ill conceived and horrifically executed piece of legislation.

Then one could write a thousand more about the damages done to America and the American citizens at the hands of ObamaCare and the mindless bureaucrats charged with implementing this nightmare of a healthcare system.

Everytime I go to write a blog entry about ObamaCare I'm despondent I haven't written more and sooner.

But today the "other shoe" dropped for the small business where I work.  The insurance provider (Blue Cross/Blue Shield) was unable to renew the current policy and replaced it with a new policy that complies with the absurd requirements of The ACA (affordable Care Act or ObamaCare as it is unpopularly known).  The new play is a "silver level" plan

Here's the good news - the premiums only increased 15%.  The Board of Directors quickly decided to absorb all of the cost increase, passing NONE of it on to the employees.

But the bad news is devastating,  Deductibles and copays have skyrocketed.  Effectively employees who face a major (but far from life threatening) illness or injury to a member of their family could face copays and deductibles of over $12,000 or more!! Previously, under similar circumstances an employee would have paid under $2,000.00.

Likewise prescription co-pays skyrocketed, from $9.00 for a generic drug to $40.00.  Brand Name drugs jump to $120.00 or more under certain circumstances.

Co-Pays and Deductibles cover every conceivable procedures individually, so they multiply exponentially for a hospital stay, where x-rays, ct-scans or MRI's might be needed before surgery.

My good friend Steve keeps singing the praises of Obamacare in his blog here. Sadly I don't believe his experience is the same as younger, lower to middle income workers.

Middle class Americans can raise a family of four (especially if they are married with a working spouse), but little is left for savings.  But even with a middle class income of $40,000.00 to $65,000.00 annually, they cannot afford to get sick with the co-pays and deductibles they face under the new ObamaCare compliant insurance policies.  Even a minor illness or accident with place the average employee into deep debt our total bankruptcy.

Can you imagine an illness striping you of 1/3rd our your annual take home pay.  Name one middle class person who could afford that cost.

Based on this astonishingly bad news, the Directors of the company where I work are looking at ways to increase employee coverage to the "Gold" or even "Platinum" level of ObamaCare.  But even Platinum will increase deductibles and co-pays over the old plan. If the decision is made to upgrade the level of the plan then monthly premiums will skyrocket.  There are no good options.

In spite of President Obama's dishonest effort to delay the implementation of ObamaCare plans for employers and corporations until after the November election, the insurance companies will roll out the new plans on a company's annual renewal date.  

This may be the first story you read, but it won't be the last.  Look for hundreds more over the next few months.  As this rolls out it seems unlikely any Democrat can be re-elected.

I'll be covering exactly why this is happening in an upcoming blog entry..

Destroying the Very Fabric of the American Healthcare System

I wish that the politicians in Washington weren't so busy building sound bites for the 5 o'clock news that they could actually get together and save America's Health Care System, but, alas, they are incapable of compromise or even intelligent analysis.

Group "A" are so determined to save the reputation of the President they will never admit they made a (gigantic) mistake or compromise to find a solution.

Group "B" is so determined to bring down the President a notch or two that they cannot offer intelligent or reasonable compromises that just might solve the problem at hand.

And the public is so caught up in the political rhetoric, many do not see the tsunami on the horizon about to drown us all.  

But make no mistake about it, the entire Health Care System in the United States, unarguably the finest health care infrastructure in the history of mankind, is months away, a year at most, from complete and utter destruction.

And it's all being caused by The Affordable Care Act, the single worst piece of legislation ever passed by the United States Congress.

About 200 million Americans will lose their current Insurance.  The replacements, if they can be found, will be significantly more expensive for most Americans (about 4/5th will pay several thousand dollars more annually) and they new insurance will have significantly higher deductibles and may well (or most certainly will) force Americans to change their doctors and hospitals.

The hospital infrastructure will collapse.  Some hospitals will be forced to close.  Others will greatly curtail services.  A few, perhaps fifty or less nationwide, will become hospitals for the super rich, those able to afford completely private care.

Sarah Palin's Death Panels of non-medical actuaries will decide on care and payments, effectively making the best care treatments unavailable except to the super rich.

The total economy is mere months away from a total collapse into recession or depression.  The ACA (or ObamaCare) is a nothing more than a hidden super-tax that will drain hundreds of millions of dollars out the middle class taxpayer's wallets, through increased (and unaffordable) premiums and deductibles. 

It's happening every day now.  Moments ago REUTERS reported that insurer UNITED HEALTH CARE is being forced to drop thousands of doctors form Medicare patients programs due to Barack Obama's ego driven theft of millions of dollars from Medicare to fund his ObamaCare albatross.

This was one hundred percent foreseeable and avoidable. Many Republicans and many pundits and analysts and blogger like me have been correctly forecasting this for three years.  But we are all branded by Democrats and media not willing to actually read the ACA bill, as anti-Obama haters.  Alas, that was never true, we were and are the lookouts, warning the people of the on-rushing waves of health care and economic destruction, begging you to save yourselves and get to higher ground.  

Every day a few more are swept away and a few more listen.  I fear it's too late.

Why I HATE Political Parties and Partisan Bull

I've always been a big, big supporter and fan of Republican Representative Paul Ryan. Even though I'm a Democrat I cheered when Ryan was selected as Mitt Romney's running mate in the last election.  He is one of Washington's finest. He is certainly one of their brightest. He's honest and even handed, logical and fair, pragmatic yet principled.

Here's a great example from today's news.  Ryan is working hard, against his own political party, to help Immigration Reform happen.  From the Boston Globe:

Dem Pin Immigration Hopes on GOP's Ryan 

Democrats doggedly pursuing a far-reaching immigration bill are counting on help from Republican Rep. Paul Ryan, Mitt Romney’s running mate last year and an unlikely candidate for delivering the centerpiece of President Barack Obama’s second-term agenda.

 Ryan, the House Budget Committee chairman who is frequently mentioned in the GOP lineup of possible 2016 presidential candidates, stands apart from many fellow House Republicans in favoring a way out of the shadows for the 11 million immigrants living in the U.S. in violation of the law. He casts sweeping overhaul as a necessity to ensure both economic and national security — a fitting argument for an acolyte of Jack Kemp, the late Republican congressman and 1996 vice presidential candidate who backed an ill-fated effort in 2006 to overhaul the immigration system. 

‘‘Paul Ryan says we cannot have a permanent underclass of Americans, that there needs to be a pathway to citizenship,’’ says Rep. Luis Gutierrez, D-Ill., who has been working relentlessly on immigration legislation. ‘‘He is my guiding light. I know I get him in trouble every time I say it.’’

Ryan is being himself.  He hasn't changed and he doesn't change to suit the political party line.  He is a man of principle and substance.

Here's why I hate Political Party's and the mindless partisan hacks who simply echo the party line without a single intelligent thought of their own.  Many of my fellow Democrats and especially the so-called "Progressives" who now praise Rep. Ryan were lambasting him as the worst human being alive (or dead) during the last election.  He was called every name in the book and accused of hating old people, women and minorities.  None of that was true.  None of that was necessary.  And any reasonable person with moderate intelligence knew it.

Where are Our Liberal Fighters?

The NSA snooping scandal get worse every day.  It turns out rampant spying without any court oversight is happening on a widespread scale.  Using a loose interpretation of a single FISA Court ruling data is being collected on American Citizens and used constantly and consistently.  We clearly have a government completely and totally out of control.

Amy Davidson, writing in The New Yorker, called the FISA ruling a secret FISA court order "a gift certificate for one year of warrant-free spying "

Curiously we don't have a single evil dictator or despot.  That's the good news.  President Obama is aloof, incompetent and largely unaware.  As I've written several times before, Barack Obama isn't the President, he just plays one on TV.  But he is not evil.

Looking at his reception at the G8 last week and his laughable speech to a tiny crowd in Berlin, his star is fading, like every television star whose time has passed.  But I digress.

The bad news is that the government has become this powerful and evil all by itself.  A badly written law here, an over zealous bureaucrat there and you have institutional evil, a government totally out of control.  The Constitution is meaningless.  Your rights, rights you actually had until five or six years ago, are gone and perhaps gone forever.

What worries me most is that our protectors, our guardians of justice and liberty have gone silent.  They have disappeared into partisan political oblivion.  The Liberal Media, the ACLU, the great Liberal crusaders have all gone silent, mumbling nonsensical platitudes in the dark.

Have you read the essays or listened to the Progressive pundits over on MSNBC?  I've read some of the most frightening, convoluted defenses of the status quo I have ever seen.  No logic, no defending the down trodden, no standing up for the rights of the common man, just mumbling about how it was bound to happen anyway.  

The leaders who fought so eloquently, so vocally and occasionally fought so violently against the war in Viet Nam, now tell me everything is perfectly OK as long as we're not doing anything illegal anyway.  "If you're not doing anything wrong you have nothing to fear."

One of the greatest Progressive voices on Twitter is the brilliant and unyielding Shoq.  He is a voice I greatly respect.  His black cat avatar is beloved by thousands and feared by his opponents.  

I recently engaged Shoq about his defense of the government's abuse of spying power and ignoring of our traditional Constitutional rights.  Quick to misinterpret my questions as an attack on President Obama, his instantly replied that Obama had done nothing wrong and, indeed, Obama has done nothing.

But, I asked, how can allow this power to fall into the hands of the next President, most likely a Republican.  Shoq's reply was simple but I fear terribly naive  "We must be careful of who we elect...."

Shoq has written a lengthy essay about the NSA and the attacks on the NSA Spying by Glenn Greenwald and The CATO Institute here.   It's an interesting read that puts a great deal of blame for the current controversy on the Koch Brothers.  You'll also always find links to Shoq's latest blog essay on the right column of my blog.

Other Progressive have multiple views of the NSA scandal, almost all defensive.  First they mount a defense to protect President Obama or the "government" in general.  Then they defend the indefensible attack on our liberty and freedom with the "... unlike President Bush, Obama got a court opinion, and he's really a good guy..." scenario.

The great Liberals of my youth who mounted the illegal protests against the Viet Nam War at the Chicago Democratic Party Convention, the Liberals who used an illegal leak to bring down the Nixon Presidency because of the SPYING at Watergate, those Liberals who dared to break the law in their fight for our rights in Selma, Birmingham and Jackson, those Liberals are gone.....   

Political Parties are NOT Your Friends

The primary GOAL and perhaps the only goal of both the Republicans and the Democrats is to increase their power.  That means getting more members into positions of power and responsibility.  It might be by getting members elected to office or it might be by getting members appointed or even hired into key positions of power.  


The GOAL of parties IS NOT to improve your life, improve the economy, increase our security or help you out.  Those are occasionally means to an end! And the END GAME is to increase their power and control.

If the Republicans REALLY WANTED to accomplish any of their stated objectives they would stop their relentless pattern of obstructionism and seek common ground with the Democrats.  Likewise, if President Obama REALLY wanted to reach his goals he would cease his relentless campaigning and compromise with Republicans.


Why doesn't this happen? Because the GOAL is to get more members elected.  President Obama is considerably more interested in getting reelected than in helping Americans.  So he very falsely claims Republicans stand in the way of issue "A" or proposition "B" because he wants the issues to aid his reelection.


Occasionally politicians actually speak the truth.  Republican Senator Mitch McConnell made that mistake when he honestly said his main goal was to "defeat President Obama,"  His Number One Priority wasn't reviving the economy or putting people back to work, it was to defeat the President four years in the future!!

My advice to my fellow Liberals (and to Conservatives, too), is to relentlessly work to achieve your goals.  Look for pathways to success.  That will OFTEN lead you to support, work with and even elect a member of the opposite party.  More often it will lead you to look for solutions outside of government.

Think outside the box.  Be driven by your principles and not guided by the false promises of one candidate or another.

After All These Years, Hilary Rosen is Still a Tone Deaf Hack

My history with today's top name in the news:

I need to rebuild and restore the links to the original THE WIZARD, FKAP website archives. My original webpage collection was started long before the term blog ever existed, but included a regular essay under the title The Existential Blues.  All the essays and files still exist and are still on-line.  I'll get the links restored and embedded in the right hand column as soon as possible.


When those link appear, you'll find I've written to and about Hilary Rosen since the early 1990's.  As the head of the Recording Industry Artists of America (RIAA) she is the subject of many of my earliest essays.  She has always been a tone deaf hack and in her official RIAA position, she almost single-handedly destroyed the entire music industry.  She fought legal digital downloads with a single-minded (closed minded) zeal that was breath-taking to behold.  If you wanted to sue Grandma for an illegal download, Hilary was your gal!


She seems incapable of independent thought, and functions mostly as an agent who does the bidding of her masters, currently the Democratic Party National Committee (DNC).


That Hilary Rosen is currently employed by CNN is an embarrassment to journalism.


Today, Hilary Rosen is in the headlines through her foolish comment about Ann Romney.  Here is a summary of the latest Rosen disaster from the AP Newswires:


The multimedia furor erupted Wednesday night when Rosen said on CNN that Ann Romney, whose husband is worth millions, never had to work to pay the bills and should not be her husband's surrogate on women and the economy. "His wife has actually never worked a day in her life," Rosen said. "She's never really dealt with the kinds of economic issues that a majority of women in this country are facing." 


The backlash was brutal and swift. 


David Axelrod, Obama's top campaign strategist, tweeted that Rosen's comments were "inappropriate and offensive." The president's campaign manager, Jim Messina, said Rosen should apologize. And the Democratic National Committee downplayed any connection to Rosen or her firm.


Although I've written in these spaces that the Republican "war on women" doesn't actually exist, Democrats and President Obama had successfully used this fabricated issue and had gained a virtually insurmountable lean among women voters.  


Hilary Rosen single-handedly turned the tide and gave the issue back to the Republicans on a silver platter.  That she then tripled down on her ill advised statement, assuring that the public forgot, if not forgave, Rush Limbaugh, was stunning to behold.


Republican comments were unnecessary.  We are watching a train wreck in progress.


Her apologies, two so far, were ever worse.  Hilary Rosen doesn't understand the public or the issues involved.  The Democrats need to drop her like the hot potato she has become.  So does CNN.

Paul Ryan, Washington DC's Lone Adult

Over on the Democratic Party side of Washington, DC there was rejoicing in a new PPP Poll that showed when the public was made aware of Presidential Candidate Mitt Romney's arguable mistreatment of his dog Seamus, over 28 years ago, Romney's approval rating tanked.


Seriously, my Liberal and Progressive friends on Tiwtter are simply giddy with excitement.  Leave it to Mitt Romney's dog to sniff out a path to Obama's victory.


Our future is now safe.


Meanwhile, on planet Earth, Representative Paul Ryan has prepared and proposed the most realistic, bold and brilliant budget in the last 20 years.  To do what Ryan has done takes thought, analysis, honesty and courage.  And no polling.


Ryan will be savaged by Democrats who deserve no place in government, cowards and liars, manipulators and pollsters who will not only allow our country to fail, but will ride Seamuss into the very gates of hell.


One does not need to agree with Ryan's every idea, but he should be held in high regard for discussing the real issues of our economy and our exploding debt.


Democrats have failed to produce a budget for three years and they've already signaled that will fail to do so again.  It's so much easier to criticize than to propose ideas and stand behind them. And that's the Democrat plan.


Here are just a few lines from the Washington Post Story linked here and above: 


House Republicans laid down a bold but risky election-year marker Tuesday, unveiling a budget proposal that aims to tame the national debt by reshaping Medicare and cutting deeply into Medicaid, food stamps and other programs for the poor, while reshuffling the tax code to sharply lower rates.


Congressional Republicans plan to use the document to demonstrate their willingness to tackle the nation’s difficult fiscal problems head-on. They argue that restraining future borrowing is a moral imperative and that entitlement programs for the elderly and the poor must be redrawn both to reduce red ink and to ensure that federal benefits continue to be available. 


The proposal, authored by Budget Chairman Rep. Paul Ryan (R-Wis.), calls for spending cuts and tax changes that would put the nation on course to wipe out deficits and balance the budget by 2040. The national debt would continue to rise but would shrink to the historic norm as a percentage of an expanding economy.