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..

The Gun Control Debate is Stunningly Stupid

Although the Senate is deep into negotiations about much needed Immigration Reform, there are behind the scene maneuverings to attempt another effort to pass reasonable Gun Control legislation.  Of course Conservatives immediately see these maneuvers and are already working to block these efforts.

While I find no fault in the proposed gun control legislation, I personally hate to see Democrats, Liberals and Progressives waste much needed time, effort and money trying to pass a bill that will not reduce gun violence by even a single death.  Emotions will run high, passions will be inflamed, the nation will be even more deeply divided (if that's possible), and people will still die in genocidal numbers.

Our problem here as Democrats, Progressives and Liberals is that our Conservative opponents are 100% correct: Guns Don't Kill People, People Kill People!  If we genuinely want to reduce gun violence and needless deaths we have got to start attacking the real problems and guns aren't one of them.

I write often about murders and gun violence in Chicago.  It's easy to focus on Chicago because reporting is so good, statistics so readily available and the violence is so pervasive.  If you were only to read my blog you would think Chicago is the most dangerous place on earth.

The reality is that most of Chicago is just about the safest place in America!!  In fact in the parts of Chicago where most of the "known" guns are located (that would be legally purchased, licensed, registered and/or documented guns or rifles) there is little or no gun violence!  Curiously guns don't kill people in the North side of Chicago.  The guns are there, they people are there, but there is no violence.  In half of Chicago's 23 police districts there are virtually no murders.

But on Chicago's South and West sides, in fact in just a small part of Chicago geographically, virtually all the murders and shooting occur.  Almost all the guns are illegal, unreported and illegally obtained.  The police classify this as "gang violence."

If, as Liberals, we are bound and determined to blame inanimate objects for society's problems, then we must point out that guns are strangely prejudiced against the poor and against blacks, because that's who they shoot, wound and kill.  Damn those racist guns!.

The real factors in gun violence are poverty, lack of education and lack of opportunity.  In an incredibly controversial speech this week Chicago Teachers Union President Karen Lewis decried the lack of funding for schools on Chicago's south and west sides.  She also condemned the lack of effort on the part of city leaders and "white" businessmen in investing in these communities.  Unfortunately she blamed "racism" and the resulting controversy obscured the real wisdom in her observations.

We must find ways to invest in children in the poverty stricken portions of Chicago.  We must improve education.  And we must change the cycle of violence, drugs, gangs and poverty that go on generation after generation.

Curiously, if we do that, the guns will become as silent on the South Side of Chicago as they are on the North side.

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Resources: ABC News: Chicago Teachers Union president calls for tax changes to fund schools

The New York Times: In a Soaring Homicide Rate, a Divide in Chicago

And the very powerful, interactive website that tracks Homicides on Chicago: Redeye Tracking homicides in Chicago

Addressing the Single Parent Epidemic

I've discussed my fellow Liberals desire to avoid the assignment of personal responsibility in several blog posts, most notably last December 29th in my post titled "Solving Gun Violence."  Here's what I had to say then: 

".....we avoid any assignment of personal responsibility.  We do not, under any circumstances blame personal lifestyles, personal choices or personal decisions. We never allow any blame that would insult or hurt an individual or the choices they have made or failed to make.

[For example] ....if a person drops out of school, that's the school's fault....  ...we never blame the teachers, or even dare to measure a teacher's ability or success.  That's personal and we don't do personal......"

One of the recent heroes today's liberals (in part because of his bizarre desire to ban large sugary sodas), Mayor Michael Bloomberg of New York, has dared to take on the single largest and most important issue in our society today, single parent families.  And he's dared to break the cardinal rule of liberals I outlined in the December 29th essay, he's daring to actually place some of the blame on today's youth!

The liberal communities response against Bloomberg has been overwhelmingly negative and very vitriolic.  According to nearly all my fellow liberals, young people who become pregnant outside of a stable family environment are totally blameless!  And they must never be shamed, slandered or made to feel the least bit bad!  Instead they are to be supported, nurtured, even praised for their bravery.

The New York Times' Michael Powell, writing a highly critical essay in the New York Times this week states categorically "Teenage pregnancy is a problem of poverty."

This level of stupidity from today's liberals and progressives is disastrous and is destroying lives and the very fabric of our society!

What Bloomberg is trying to do is to educate young people into making better, more reasoned decisions.  He is not advocating abstinence.  He is not eliminating sex education from public schools. Far from it! But he is trying to actually show young people the seriously negative outcome that arises from single parent child rearing.

In addition to teaching youth the mechanics if sex and methods of birth control Bloomberg is daring to teach them the dangers of failing to use that knowledge in their personal lives.

Wouldn't we have a problem is the teachers in wood shop taught students how to use a circular saw but then failed to teach them that they might lose a limb is they don't use the saw carefully?

Once again I am forced to turn to someone really brilliant to outline what ought to be obvious, the incomparable Ann Coulter who addresses this issue in this week's column, "In Fighting Teen Pregnancy, The Folly of Shame and Blame."  Read her whole essay, it's funny and insightful, as usual.

Coulter points out that the popular liberal causes from banning soda's to restricting guns will have virtually no impact of the health or welfare of children compared to the horrific damage inflicted by single family child rearing:

Liberals seem to believe that drinking soda is voluntary, but getting pregnant is more like catching the flu.

It would be hard to make the case that fast food, plastic bags and cigarettes do more damage than single motherhood. 

-- Controlling for socioeconomic status, race and place of residence, the strongest predictor of whether a person will end up in prison is that he was raised by a single mother. 

-- At least 70 percent of juvenile murderers, pregnant teenagers, high school dropouts, teen suicides, runaways and juvenile delinquents were raised by single mothers. 

-- A study back in 1990 by the Progressive Policy Institute showed that, absent single motherhood, there would be no difference in black and white crime rates. 

It is critical to point out no one, not even Coulter, is advocating forcing unwed mother's to wed or to abort their children.  Instead both Bloomberg, and his unexpected defender Coulter, recommend education, something liberals would normally favor, except, I guess, if that education teaches personal responsibility.

As I pointed out in that December 29th essay, "We liberals don't do personal...."

Truths We Dare Not Discuss

The low light of Republican Presidential candidate Mitt Romney's gaff filled summer European trip was his praise of Israeli culture in its contribution to Israel's success when compared to the relative poor success of the Palestinians.

Instantly Romney was condemned by every Democrat politician for his insensitivity, prejudice and ignorance.  Romney backed down and apologized and clarified his comments so as not to offend anyone's sensibilities.

Romney should never have apologized. The very sad truth is that Romney was right.  The Jewish culture is powerful, strong and productive. It's tightly knit and based on incredibly strong family units and powerful traditions.  Because of this amazing culture Jewish minorities have flourished through some of the more horrific periods in our world's history.

It also has nothing to do with my essay today.

But I must talk about the role of culture in any society's success, especially economic minorities in our society.  We also need to talk, once again, about the fact the government doesn't work.  Almost all government programs are failures filled with huge waste, leaden bureaucracy and inadvertent social engineering that affect our culture, generally for the worse.

Our love of humanity, concern for the poor and desire to protect children have created welfare programs that have enslaved a significant portion of our society.  As our population sinks further and further into poverty our initial urge is to increase our welfare to the poor.  Yet we are not improving the situation precisely because we are not allowed to ever address any cultural issues.

Our entire American culture is based on freedom.  We cannot tell other people how to live.  The evolution of our society now has removed the stigma of divorce and the stigma our unwed parenthood.  At the same time it has encouraged women to seek out careers and fulfillment outside of marriage and motherhood.  All of these things are good for the individual and individual freedom.

Our welfare programs have supported, even encouraged, this evolution toward freedom and independence for women.  This would be a good thing, if it actually worked.  As part of the welfare process, we have partially removed the necessity of marriage and the involvement of men in the family unit.  For example we established the Special Supplemental Nutrition Program for Women, Infants, and Children, popularly known as WIC, SNAP, the old food stamp program, medicaid and other programs step in when the father or mother fails to provide support.

Of course none of these programs are sufficient and women struggle to balance jobs and child-rearing.  In addition drugs ravage families leaving children to be raised by grandparents or by themselves.

In spite of all these programs children are going hungry.  Even though 45,753,078 people receive food stamps, the highest in US history, all too many parents simply fail to care for their children.  Neglect and lack of personal responsibility are the biggest problem and it's the one problem we are never allowed to discuss.  No politician dares to cross that line.

Today's tragic story comes from Chester Township, Pennsylvania.  Here's the story.  Read it and weep:

Mom vows to keep feeding needy kids from her driveway despite city crackdown

A Pennsylvania woman has vowed to continue doling out free lunches to children in her hardscrabble neighborhood, even though officials there have threatened to fine her $600 a day. 

Angela Prattis, 41, was ordered by the Chester Township Council to wind down the makeshift dining room she runs in the driveway of her modest home during the summer for the hungry kids who come to her daily in search of a good meal. Under pressure from the community, the local leaders agreed to let Prattis finish her mission this summer, but told her she would need a zoning variance to resume the operation next summer. 

“I’m going to continue to feed the children,” Prattis told FoxNews.com. “I’m just doing this for the kids. I don’t want a big fight. “I just want to be in right standing with the town,” added Prattis, who feeds 20 or more kids on some days.

The mother of four says she serves up the lunches while the kids are out of school because many are too poor to get good lunches at home. 

Prattis gets the food from the Philadelphia Archdiocese, which makes daily deliveries of pre-packaged lunches, drinks and snacks to her doorstep. She pointed out that the archdiocese required her to take a preparatory class focusing on nutrition — and other essentials — before serving kids. “I’m not working with some fly-by-night operation,” she maintained. 

“This isn’t a working-class neighborhood,” she quipped. “It’s a hardworking-class neighborhood.” 

The neighborhood kids enjoy the lunches and benefit from the nutrition, she said. “We have tons of children, here,” Prattis said. “There’s a lady who baby-sits a bunch of kids and she brings them around because the parents can’t afford to have them in day care and feed them at the same time. 

“We had a nasty storm last Wednesday, and I only set up one table because I didn’t think the kids would come in the pouring rain,” she said, before adding, “They all came. I served 20 children in the pouring rain.” 

Poverty certainly exists in Jewish communities, Arab communities, Irish communities and every community. These problems can happen in any culture.  But in many cultures within our melting pot society, the outcomes described in the article above are extremely rare.  

The divorce rate and the rate of unwed mothers also vary wildly between cultures.  So do high school graduation rates, college attendance and average incomes.  

My current home state of Mississippi is the most obese state in the nation, Colorado, the state of my birth, is the most fit.   Mississippi's tradition of rich, fattening fried food and soul food greatly contributes to this outcome.  There is a mighty difference between cultures in Mississippi and Colorado.

Mississippi also ranks near the bottom in health care, birth to unwed mothers and education.  Our cultural background also prevents sex education in most public schools.

Culture makes a huge difference.  It must be a topic for open discussion and debate.  As Liberals we are quick to condemn Mississippi's religious leaders from their failure to provide sex education.  But we are never allowed to discuss or even mention the crisis of single parent households.  That would be judgmental.

We want our children educated about sex, homosexuality, alternative lifestyles.  But we cannot discuss parenting, parental responsibility, child rearing or any type of personal responsibility.

It would be funny if it weren't so tragic.

I do not have the answers to these problems. But we are not helping our children be failing to even allow discussion of the underlying issues.

No News IS NOT Good News

Just because you didn't see or hear this headline this morning doesn't mean it didn't happen. The big networks simply chose to ignore it.


3 People Murdered and another 18 injured in Gun Violence on Saturday in Chicago

If you watch network news, ABC, CBS or NBC or if you watch cable news, FOX, CNN or MSNBC or if you listen to NPR you didn't know that.  They were all too busy rehashing the 12 murdered and 58 injured in Aurora, Colorado on Thursday morning to bother to mention that murders continue unabated across the country.


As I write this President Obama is flying over Chicago to visited the families of the victims in Aurora to give them comfort, according to the White House Press Secretary.


He will never mention the nearly 300 murdered in Chicago so far this year.  He will not be stopping to give comfort to the grieving families of Gerry Woods, Akil Partee or Pablo Hernandez, all murdered Friday night and Saturday morning.


How I wish George W. Bush were still President.  Not because I want him back in office, but because if he pulled the stunt of flying over the families of 300 black and Latino victims to give aid and comfort to 12 white victims, my fellow Democrats would condemn him for racism, insensitivity and incompetence.  Instead we have President Obama and the silence of the Democratic lambs.


I don't blame President Obama.  It's not racism, it's politics.  Colorado is a swing state.  He needs their votes.  Chicago will vote for Obama regardless of how much he ignores or even abuses its citizens.


And, lets be honest, the Chicago problem is one of unemployment, poverty and failed social engineering.  It's going to be tough to fix.  And President Obama is not up to the task.  He is way to small, way to weak to take on a mission this large.


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On a related note, my friend Steve is launching a series on the need for Gun Control and ways to successfully implement it over on his blog The Peripatetic Blogger Steve and I might not always agree on this issue, but I urge you to read his blog and consider his opinions and solutions carefully.  We need everyone's ideas.  We need all hands on deck.