Get d'Clu

Get a clue & wake up! The best way to lead a nation astray of its values is to keep it ignorant of its history.

Health Policy Insights

CBO: Insurance Proposal Would Effectively Nationalize Private Insurance

December 17, 2009
by John Goodman

 A Medical Loss Ratio (MLR) is the percentage of premium dollars an insurer spends on claims as opposed to administrative costs and other expenses. According to news reports, a proposal from Senator Rockefeller and others would limit MLRs to 90%. The Reid bill already requires insurers to issue rebates to enrollees on a pro rata basis if its medical loss ratio falls below 80% or lower for the individual and small-group markets or 85% or lower for the large-group market. 

However, the Congressional Budget Office (CBO) says that a 90% MLR would expand “the federal government’s regulatory role in the health insurance market so much that it would make such insurance an essentially governmental program, so that all transactions related to health insurance policies (even those with private companies) should be recorded as cash flows in the federal budget.”  A similar ruling helped kill Hillary Clinton’s health reform proposal 15 years ago.

Donald Marron, former Acting Director of CBO, explains the issue at his blog.

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 Is This Fair?

Dec 17, 2009
by John Goodman

Health reform on Capitol Hill:

Focus on Jane, a primary breadwinner making $48,000 (in 2016) to support her family of four. If Jane is offered insurance by her employer that meets the test, she must accept it or pay a fine. That means Jane ends up paying for the entire cost of, say, a $14,100 policy, according to some economists. They say she pays the premiums out of pocket and the remainder indirectly because employers offer reduced paychecks to offset the cost of their share of health insurance.

Now, meet Julie, who also makes $48,000 and is not offered insurance at her job. Julie heads to the newly created exchange to purchase the same policy. But it costs her only $5,300. The rest – about $9,000 – comes from federal subsidies.

Fair?

Full editorial by Douglas Holtz-Eakin in The Boston Globe.

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How Much Does Insurance Really Cost?
Dec 16, 2009
by Greg Scandlen

CNNMoney reports on a recent study by eHealthinsurance.com that found:

Half of individual policyholders paid $132 or less per month… According to the report, in 2009 the median non-group health insurance premium for an individual in the United States was $1,584 per year ($132 per month) and the average deductible was $2,326. Combined, annual premiums and deductibles account for approximately 7.7 percent of median household income for 2008 ($50,303) as reported by the US Census Bureau.

Now, if individuals buying their own insurance got the same tax break as employees get for employer-provided coverage and if there were a back-up mechanism for high-risk applicants, we might dramatically reduce the numbers of uninsured without any individual mandate.Your new doctor?

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New Mammogram Guidelines Show What We Should Expect 

 

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Here are some alternatives to Obamacare:

National Center for Policy Analysis

Health Plan

To confront America’s health care crisis, we do not need more spending, more regulations or more bureaucracy. We do need people, however, including every doctor and every patient. All 300 million Americans must be free to use their intelligence, their creativity and their innovative ability to make the changes needed to create access to low-cost, high-quality health care.
NCPA HC plan (7 page pdf)

Consumers for Health Care Choices

Our friends at FreedomWorks, the National Center for Policy Analysis, and the Council for Citizens Against Government Waste provide great services that enable you to communicate with your Congress Critters. If you are a doctor, go to Take Back Medicine.com, a project of the Association of American Physicians and Surgeons. Health Action Network, an online site sponsored by WellPoint that brings together medical personnel, patients, and informed consumers, also makes it easy for you to communicate with your elected officials. Please take a few minutes to make your voice heard.

You can also sign up for Greg Scandlen’s weekly e-newsletter, Consumer Power Report, become a member of Consumers for Health Care Choices (CHCC), or become a donor to The Heartland Institute, the parent organization of CHCC. See Peter Ferrara’s recent     Heartland Policy Study for the facts about ObamaCare, and The Heartland Institute’s Health Care Issue Suite for extensive background information about health care reform.

And if you think your taxes won’t be affected by Obamacare, you’re drinking Kool-Aid!

Tea Party Patriots

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December 17, 2009 Posted by | Agenda of the Left, Family, Fiscal (Ir)Responsibility, Life with Big Brother, Politics, Real Purpose of Govt., Wake Up, WordPress Political Blogs | , , , , , , , , | Leave a comment

A New Dawn

Now that Scozzafava ditched the race and the leftists are scratching their heads in bitter amazement at the good run Dan Hoffman has in NY23 (the race isn’t over at the time of this writing), perhaps the Republican martini elite has gotten it through their dullness that most of us want CONSERVATIVE leadership! 

With this switch to Hoffman, perhaps we can anticipate more patriotic conservatives to emerge on the Republican ticket in the congressional races for 2012, espousing school choice, responsible yet minimal government regulation, secure borders, strong national defense, and (of course) freedom of speech on the airwaves and internet; all solutions supported by the vast majority of Americans (if, in using the word “populist” you mean “replacing the Democrats”, yes, that is to what I refer, but not engendering the “populist movement of the 1890’s).

Back in the first half of 2006, Dan Riehl reported that “the word populist may be for the Right what liberal is for the Left – a bad word. Both words suffer from extreme over-simplification…”

“[V]ia Real Clear Politics, an excellent site for a timely snapshot of political news…”

“But the topic for now is political terminology thanks to an interesting piece by Craig Shirley at the Washington Post.”

The immigration reform debate has highlighted a long-standing fissure in the GOP between the elitist Rockefeller business wing and the party’s conservative populist base…

Particularly noteworthy is the following:

The elites in the GOP have never understood conservatives or Reagan; they’ve found both to be a bit tacky. They have always found the populists’ commitment to values unsettling. To them, adherence to conservative principles was always less important than wealth and power.

… It was the populists under Reagan, and later under Newt Gingrich, who energized the party, gave voice to a maturing conservative ideology and swept Republicans into power. We would be imprudent and forgetful to disregard this…

“In its pure form, populist means little more than lower-case d democrat.”

[A]n advocate of democratic principles.

Riehl goes on to describe some history and then explains why Americans simply want good laws to be enforced and big government to become smaller and less intrusive.  They also want their representatives to actually represent them – what a novel concept in today’s political arena.  When Obama spoke of transparency and change, many people really thought he’d live up to at least a little of that rhetoric (like not using “bundling buddies” as employees and ambassadors or making stealth deals with Google that affect Net Neutrality…).

Conservatives are guided by the governing principles of the primacy of individual sovereignty, the sanctity of private property, and preservation of the rule of law.  The rule of law is what makes this Republic different than any other country in the world.  So when our leaders make laws that usurp or controvert the Constitution, they are abridging our freedoms!

  “It’s not tyranny we desire; it’s a just, limited, federal government.”  ~Alexander Hamilton

Let us hope and pray that Conservatives win these elections this month and in 2010 in a grand wave of freedom, and may it be a warning to all incumbants that we intend to vote them out if they continue on their same paths.

 

 
A New Dawn: http://wp.me/pzfHB-hb

November 3, 2009 Posted by | (Definitely Not) Free Markets, (Un)Limited Government, Agenda of the Left, Christian, Citizen Patriotism, Constituional Issues, Culture, Family, Fiscal (Ir)Responsibility, Govt Oppression, WordPress Political Blogs | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment