Truth

There was truth and there was untruth, and if you clung to the truth even against the whole world, you were not mad.

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Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Friday, October 8, 2010

Do you want Fries with your McBribe?

Political Cartoon by Lisa Benson
I doubt the Ministry of Truth will be too happy to report this story.
Remember during the Health Care Debate this was ll about the poor, low wage person who had no health insurance and that the evil company the worked for had to be forced by the employer mandate to be “fair”??
“It will provide more security and stability to those who have health insurance. It will provide insurance to those who don’t. And it will lower the cost of health care for our families, our businesses, and our government”-President Barack Obama
Remember the threats from HHS Secretary Kathleen Sibelius to insurers to not blame ObamaCare for Rate increases?
Sept 30th, Wall Street Journal: McDonald’s Corp. has warned federal regulators that it could drop its health insurance plan for nearly 30,000 hourly restaurant workers unless regulators waive a new requirement of the U.S. health overhaul.
Last week, a senior McDonald’s official informed the Department of Health and Human Services that the restaurant chain’s insurer won’t meet a 2011 requirement to spend at least 80% to 85% of its premium revenue on medical care.
McDonald’s and trade groups say the percentage, called a medical loss ratio, is unrealistic for mini-med plans because of high administrative costs owing to frequent worker turnover, combined with relatively low spending on claims.
Democrats who drafted the health law wanted the requirement to prevent insurers from spending too much on executive salaries, marketing and other costs that they said don’t directly help patients. (Feel good economics :) )
McDonald’s move is the latest indication of possible unintended consequences from the health overhaul. Dozens of companies have taken charges against earnings—totaling more than $1 billion—over a tax change in prescription-drug benefits for retirees.
So the evil corporate exploiter of low income people had insurance for it’s workers but said they were thinking of dropping it because ObamaCare was going to be too expensive.
The Obama Administration immediately jumped on it : The White House pushed back hard with U.S. Department of Health and Human Services spokeswoman Jessica Santillo claiming: “This story is wrong. The new law provides significant flexibility to maintain coverage for workers.”
Then was a rumor of a back room deal. The Obama Administration denied it.
Well, guess what…
The federal government has granted 30 companies and organizations one-year waivers to exempt them from one of the newly-implemented health care reforms.
Guess who’s one of them?  McDonalds. Gee, that only took a week!! :)
And it’s a one Year waiver, guess what next year is– Obama’s Re-Election campaign.
Anyone see more waivers and extension coming?? :)
I guess that was “fair”. Some workers are now more “fair” than others. :)
And after all, it was such a great plan to begin with. :)
Waiver list: http://www.hhs.gov/ociio/regulations/patient/appapps.html
The biggest single waiver, for 351,000 people, was for the United Federation of Teachers Welfare Fund, a New York union providing coverage for city teachers.
Gee, I thought they were Obama’s Apparatchiks. I guess they didn’t get their bailout money (or maybe they did but turned it around and feed the Democrats Re-election campaigns instead) :) .
So Obama is kissing up to his Union apparatchiks AGAIN!
At least one was a Health Insurance Company: CIGNA.
The irony I’m sure is lost on the Ministry of Truth.
So how many more waivers are to come? Leaving guess who, to hold the bag?
YOU!!
Rejoice. That’s your Hope & Change for you. Aren’t you happy? :)
But what’s funnier is all that nashing of teeth and all that rhethoric for nearly two years about non-one losing coverages…
Without the waivers, companies would have had to provide a minimum of $750,000 in coverage next year, increasing to $1.25 million in 2012, $2 million in 2013, and unlimited coverage in 2014.
“The big political issue here is the president promised no one would lose the coverage they’ve got,” Robert Laszewski, chief executive officer of consulting company Health Policy and Strategy Associates, said by telephone. “Here we are a month before the election, and these companies represent 1 million people who would lose the coverage they’ve got.”(Bloomberg)
And the Spin:
“The waivers are about insuring people and protecting the coverage they have until there are better options available to them in 2014,” White House spokesperson Robert Gibbs said today.
Meaning, we’ll cover we’ll exempt you from ObamaCare until 2014 when you’ll drop them anyhow and then the taxpayers will have to pay for them anyhow through the government run health care. Isn’t that peachy! :)
The bulk of the new health care reforms will go into effect in 2014. At that point, some large employers that drop coverage for their workers will be subject to a fee. Consumers will also have the option of using new state-based health care exchanges to access the individual health care market.
By 2014, insurers will be completely barred from limiting annual benefits. The new regulations are being phased in until then: companies without waivers will have to provide a minimum of $750,000 in coverage next year, $1.25 million in coverage in 2012, and $2 million in 2013.
“HHS is to committed strengthening employer-based coverage for employees and retirees, while building a bridge to a new competitive marketplace in 2014,” HHS spokesperson Jessica Santillo said.
The waiver granted to the United Federation of Teachers Welfare Fund will have the biggest impact in terms of numbers, applying to 351,000 enrollees of the Fund’s supplemental insurance plan. McDonald’s insurance carrier, BCS Insurance, received a waiver to cover 115,000 enrollees.
Gibbs said today that the White House does not perceive the need to grant the waivers as a flaw of the new health care reforms.
“This is about implementing a bill correctly,” he said, to ensure that “as reform ramps up, we protect consumers and don’t put them at the mercy of health insurance companies.”
Gee, I thought that was what ObamaCare was supposed to do right out of the gate, not in 2014. :)
Oh, that’s right, you don’t want the young, poor, future socialist voters to get mad at you right now. Not to mention your Union apparatchiks.
So what if it’s a bribe. So what if it’s no longer “universal” and for “everyone”.
So now that  the “fair” playing field and “everyone” is covered is out the window.
You will be stuck with the check.
Doesn’t that just make you want to vote for the Democrats! :)
Political Cartoon by Chuck Asay
Sleep Tight. Don’t let the IRS bite. :)

Thursday, September 23, 2010

Happy Birthday ObamaCare

Happy Birthday, ObamaCare. Six months old today and raising the cost of medical care, restricting patient options and causing employers to drop workers three years before even being fully implemented.
Congratulations!!
Steve Kelly
Take Minnesotan Gail C., who hoped to offset a monthly premium increase by raising her deductible. Instead, her insurer advised that such a change would not comply with ObamaCare provisions. She could make the adjustment but would no longer have guaranteed rates and could face penalties for exercising what used to be her freedom of choice.
When Conservatives for Patients’ Rights launched in February 2009, we called for patient-centered, free-market health care reform based on Four Pillars — choice, competition, accountability and personal responsibility. Instead, ObamaCare removes choice from patients and doctors, strangles market competition, provides no accountability from government and relegates personal responsibility — and control — to the ash heap of history.
Worse, it includes purchase mandates forcing individuals to buy health care — and employers to provide it — or face stiff fines.
Citing constitutional and statutory grounds, 43 states have now either joined Florida’s lawsuit to oppose ObamaCare, instituted their own legal challenges, filed legislation against coverage mandates or have citizen initiatives in play.
As far back as June 2009, national polls showed that Americans opposed key provisions by more than 55%. A poll taken by CNN hours before the March 2010 vote found that the majority of Americans did not support the bill. Sixty-two percent felt it would increase health care costs, and 70% thought it would swell the deficit. They were right.
The will of the people remains clear. An August poll by the liberal-leaning Kaiser Family Foundation found that 48% of independent voters held unfavorable views, and a recent Rasmussen poll shows that 61% of likely voters and 74% of “mainstream” voters openly favor repeal. With $500 billion in Medicare cuts heading to states and $600 billion in taxes and penalties aimed at consumers and businesses, Americans know that ObamaCare is a train wreck.
Government actuaries are predicting that health care costs could soon rise 20%, faster than if government had done nothing. A Congressional Budget Office analysis released just before the March vote indicated that premiums could double in six years.
Americans don’t need a 14-digit calculator to predict what happens when insurers must immediately take all comers to coverage — even those who got sick yesterday — without higher premiums. Restrictions make private coverage unsustainable. Which, of course, was always the endgame of ObamaCare.
As midterm elections approach, voters’ aversion to ObamaCare is apparent. Many House and Senate Members who voted for the plan are preparing for pink slips. In Arkansas, 64% opposed the “yea” vote of incumbent Sen. Blanche Lincoln, and 61% approved the “nea” of GOP Rep. John Boozman, who is challenging her. Boozman leads Lincoln by 17 points.
While many incumbents lost to primary challengers, the 34 House Democrats who voted against ObamaCare survived. And it’s impossible to find pro-ObamaCare references in any campaign advertising.
More significant than actual election results, these prevailing political trends demonstrate the resurgent will of the American people. All is not lost; that which has been done can be undone.
In early 2009, CPR met with the editorial board of a major national newspaper. After hearing our Four Pillars and mission to oppose government control of health care and the public option in particular, board members said we were wasting time and money as the debate would be over and government health care passed within 90 days.
Fifteen months later, ObamaCare barely passed, and only when conservative Democrats caved to leadership pressure and the offer of tantalizing political goodies. And it passed without the public option, previously considered a given. Such miscalculations show political elites to be fundamentally at odds with values like choice, competition, accountability and personal responsibility.
The people were right last March and are still right today. Because groups like Conservatives for Patients’ Rights embraced real, constructive reform, ObamaCare was passed over the objections of a public educated on its details and the consequences for American health care. Speaker Nancy Pelosi may have needed to pass it to know what was in it, but America didn’t.
The people didn’t want it then, don’t want it now and have always had the power to go back. They want patient-centered reforms that lower cost and expand choice without government control. And they want Obama-Care repealed. Americans will not cease efforts to that end, and no elected official is safe until it’s done. In this republic, the will of the people ultimately prevails. (IBD)

There is ample evidence to show that ObamaCare will cost jobs, raise health care costs and saddle future generations with crippling debt.
But don’t you dare blame the increases in premiums and costs on Obamacare!
Straight from the Horse’s Mouth, or in this case a Jackass (Donkey).
HHS Secretary Sebelius has already threatened them, but now Sen. Max “I never read the bill” Baucus (and Senate Health Care Bill author) is threatening them.
NEW YORK, Sept 20 (Reuters) – Two Democratic U.S. senators are demanding more transparency about premium increases from health insurers and warning them against blaming higher rates on a newly passed reform law. Senate Finance Committee Chairman Max Baucus of Montana and Commerce Committee Chairman John Rockefeller of West Virginia said they sent a letter to the five largest health insurers by enrollment registering their concerns over increases for next year.
“I want health insurance companies to be transparent and honest when increasing premiums  (You First. :) )– and health care reform is simply not to blame,” Rockefeller said in a statement.
“Health plans will continue to do everything they can to implement the new law in a way that minimizes disruption and keeps coverage as affordable as possible for individuals, families and employers,” Robert Zirkelbach, spokesman for America’s Health Insurance Plans organization, said in a statement. “Political attacks won’t do anything to make coverage more affordable for working families and small businesses that are struggling in a slow economy,” Zirkelbach said.

But Politicial attacks is all the Democrats now how to do. Especially 40 days from an election it’s all they know how to do.
“Health insurers should be transparent about the assumptions they use to arrive at their premium increases,” the senators wrote. “If an insurer thinks it can blame the enactment of the Affordable Care Act for its rising premiums, it is surely mistaken.”
Don’t blame the actual cause, because that’s not politically advantageous to us. So we want you to lie, just like we do and sugar coat it, suck it up, and give them the Orwellian Bovine Fecal Matter that we have been shoveling in their direction for 2 years.
Or at the very least shut up and do as you are told.
Health Czarina and Grand Vizier, the Great and Powerful OZ Says so or else we will bring about our terrible wrath upon you! :)
You wouldn’t want to be on their Enemies List now would you? :)


ObamaCare gives Ms. Sebelius’s regulators the power to define “unreasonable” premium hikes, which will mean whatever they decide it will mean later this fall. She promised to keep a list of insurers “with a record of unjustified rate increases” and then to bar them from ObamaCare’s subsidized “exchanges” when they come on line in 2014. In other words, insurers must accept price controls now or face the retribution of a de facto ban on selling their products to consumers four years from now.
This is nasty stuff and an obvious attempt to shift political blame for rising insurance costs before the election. It’s also an early sign of life under ObamaCare, when all health-care decisions are political and the bureaucrats decide who can charge how much for a service or product.
Democrats built this system and they now own it politically. The least they could do is take credit for its consequences. (WSJ)

Senator Max Baucus recently admitted that he never read the Obamacare legislation.  But that hasn’t stopped him from trying to re-write it after the fact, asserting that Congress intended to give people even less choice of private health plans than described in the bill!
This overreach should encourage states that are trying to block Obamacare: It’s going to be even worse than we initially thought.
Obamacare reduces choice of health plans by giving government the power to control the Medical Loss Ratio (MLR) – the amount of dollars an insurer spends on medical care divided by the total premiums. Under Obamacare, policies that cover large businesses will have to achieve an MLR of 85 percent, while those for small businesses and individuals will have to achieve an MLR of 80 percent. This sounds simple but leaves many issues unresolved.
An important one is the treatment of taxes: Taxes are not medical care, but nor are they under health plans’ control. So, Obamacare excludes taxes from total costs used to calculate the MLR. Senator Baucus leads a group of senators who now assert that what they meant to pass was a bill that exempted some taxes from health plans’ MLR calculations, but not corporate income taxes.
If it prevails, Baucus’ flawed notion will lead to an immediate reduction of choice of health plans.  Suppose two insurers of the same size compete in a region’s large-group market. They earn premiums of $1 million each. They each spend $850,000 on medical claims, thereby achieving an MLR of 85 percent. One insurer is for-profit, earning a profit of 4 percent ($40,000), and pays combined federal and state corporate income tax of 45 percent ($18,000). Its MLR automatically shrinks to 83.5 percent and Obamacare shuts it down.
Even without Baucus’ newly invented interpretation, the MLR is deadly for increasingly popular consumer-directed plans. Suppose a traditional policy costs $4,000 and spends $3,400 on patient care, for an MLR of 85.00. With the consumer-directed policy, the patient controls $800 more of the medical spending than with the traditional policy, through a higher deductible, and his premium goes down by $800. In this case the MLR goes down to 81.25 ($2,600/$3,200). There is no real difference, but the accounting looks worse, and Obamacare shuts it down. (In fact, consumer-driven plans have lower total costs than in this simple example, because cutting out the middleman and giving more health dollars to patients to control themselves motivates them to get better value for money.)
MLRs are also irrelevant because the insured and their employers tend to choose health plans based on other criteria—likely invisible to politicians and bureaucrats. Plans with relatively low MLRs have increased market share in the last few years.
There is no doubt: Obamacare will severely reduce Americans’ choice of health plans. Fortunately, states are using a number of tools to resist Obamacare, until it is repealed. To impose its anti-choice regulations, the federal law relies on state-based “exchanges” that would choose health insurance for their citizens.
Tim Pawlenty, governor of Minnesota, has signed an executive order forbidding state bureaucrats from even applying for federal grants to set up an “exchange” to limit people’s choice of health plan. As Obamacare deploys its regulatory regime, other governors are likely to follow his lead.
So Happy Birthday to the worst political stink bomb in American History.

Wednesday, September 22, 2010

Adverse Selection

| The leftists are all in a tizzy. A tizzy of their own making mind you.
But they’ll never see it that way. Because it was done “for the children” and the Insufferably Morally Superior Left doesn’t care about reality in their fantasies and delusions of “fairness” and “equality” in their own minds.
It makes them “feel good”.
Here’s a little lesson the Left refuses to hear about reality:
People who buy insurance often have a better idea of the risks they face than do the sellers of insurance. People who know that they face large risks are more likely to buy insurance than people who face small risks. Insurance companies try to minimize the problem that only the people with big risks will buy their product, which is the problem of adverse selection, by trying to measure risk and to adjust prices they charge for this risk. Thus, life insurance companies require medical examinations and will refuse policies to people who have terminal illnesses, and automobile insurance companies charge much more to people with a conviction for drunk driving or if you get into an accident (or if your neighbors are idiots you’re going to pay more because of a more adverse selection–that’s why “my rates keep going up but I haven’t caused any accidents”).
It describes a situation where an individual’s demand for insurance (either the propensity to buy insurance, or the quantity purchased, or both) is positively correlated with the individual’s risk of loss (e.g. higher risks buy more insurance), and the insurer is unable to allow for this correlation in the price of insurance. This may be because of private information known only to the individual (information asymmetry), or because of regulations or social norms which prevent the insurer from using certain categories of known information to set prices (e.g. the insurer may be prohibited from using information such as gender or ethnic origin or genetic test results). The latter scenario is sometimes referred to as ‘regulatory adverse selection’.
And regulatory adverse selection is what we have in droves in the Insufferably Morally Superior Left Health Care Cramdown.
And the little superior moralists are shocked and applauded that the insurance industry would actually follow these principle laid out above and not just roll over and kiss their morally superior asses and do  “the right thing for the children” and as they are told like a good little doggie.
Health plans in at least four states have announced they’re dropping children’s coverage just days ahead of new rules created by the healthcare reform law, according to the liberal grassroots group Health Care for America Now (HCAN).
The new healthcare law forbids insurers from turning down children with pre-existing conditions starting Thursday, one of several reforms Democrats are eager to highlight this week as they try to build support for the law ahead of the mid-term elections. But news of insurers dropping their plans as a result of the new law has thrown a damper on that strategy and prompted fierce push-back from the administration’s allies at HCAN.
The announcement could lead to higher costs for some parents who are buying separate coverage for themselves and their children at lower cost than the family coverage that’s available to them.
“We’re just days away from a new era when insurance companies must stop denying coverage to kids just because they are sick, and now some of the biggest changed their minds and decided to refuse to sell child-only coverage,” HCAN Executive Director Ethan Rome said in a statement. “The latest announcement by the insurance companies that they won’t cover kids is immoral, and to blame their appalling behavior on the new law is patently dishonest.
“Instead, they should reverse their actions immediately and simply follow the law. If the insurance companies can casually turn their backs on sick children now, who will they abandon next? This offensive behavior by the insurance companies is yet another reminder of why the new law is so important and why the Republicans’ call for repeal is so misguided.”
Health plans and state insurance commissioners in July raised concerns that the new rules could lead some insurers to stop children-only coverage because families could wait until their children get sick to buy coverage.
Days later, the Obama administration issued regulations clarifying that insurers would still be able to establish enrollment periods in accordance with state law.
“To address concerns over adverse selection, issuers in the individual market may restrict enrollment of children under 19, whether in family or individual coverage, to specific open enrollment periods if allowed under state law,” the Department of Health and Human Services clarified.
The issue had largely dropped out of sight since then, but insurers including WellPoint and CoventryOne have announced in recent days that they’re dropping children’s coverage in California, Colorado, Ohio and Missouri, according to HCAN. (The Hill)
I guarantee this is only the beginning. Trust me.
But the Insufferably Morally Superior Left will just sit there and be “appalled” and kick and scream and whine and moan “they aren’t doing what we told them to do whaaaahh!!!”
Then go to their government buddies and pass more regulations to have their way.
I say a new term in a headline recently that fit, LAWFARE. Waging a war by lawsuits and REGFARE, waging war by regulation.
That’s the Insufferably Morally Superior Left in a nutshell.
As I said repeatedly and often during the Health Care debate, it’s about the government and leftists wanting total control of who lives and who dies and you dependent on them for everything. Period. End of Story.
They want private insurance gone. But private insurance is not going quietly.
That would be a moral hazard.
In insurance markets, moral hazard occurs when the behavior of the insured party changes in a way that raises costs for the insurer, since the insured party no longer bears the full costs of that behavior. Because individuals no longer bear the cost of medical services, they have an added incentive to ask for pricier and more elaborate medical service—which would otherwise not be necessary. In these instances, individuals have an incentive to over consume, simply because they no longer bear the full cost of medical services.
And does this not sound like ObamaCare to you?? :)
Political Cartoon by Chuck Asay

Sunday, July 18, 2010

The Truth of Power

I, like many others who read the health care bills, unlike the mainstream Media, which did it’s best to hide and deny what was going to happen, have now been shown the light of our truth.
But I’m sure the Ministry of Truth will do it’s best to diminish, dismiss and deny it even now.
That is that Mandatory Health Insurance is a TAX.
Shocking revelation, I know… :)

On poor people no less!!
CBS Sept 2009: President Barack Obama says requiring people to get health insurance and fining them if they don’t would not amount to a backhanded tax increase. “I absolutely reject that notion,” the president said.
“My critics say everything is a tax increase,” Mr. Obama said on “This Week.” “For us to say that you’ve got to take a responsibility to get health insurance is absolutely not a tax increase.”
ABC: The—for us to say that you’ve got to take a responsibility to get health insurance is absolutely not a tax increase. What it’s saying is, is that we’re not going to have other people carrying your burdens for you anymore . . .” In other words, like parents talking to their children, this levy—don’t call it a tax—is for your own good.
Mr. Stephanopoulos: “But you reject that it’s a tax increase?”
Mr. Obama: “I absolutely reject that notion.”
President Obama said in his not quite State of the Union address that Americans earning less than $250,000 would pay “not one dime” in new taxes.
Well, it’s time to reveal Lie #4,362. The Big Whopper.
The one all of us “racist” “teabagger” “idiots” and “terrorist” warned you about.

WASHINGTON — When Congress required most Americans to obtain health insurance or pay a penalty, Democrats denied that they were creating a new tax. But in court, the Obama administration and its allies now defend the requirement as an exercise of the government’s “power to lay and collect taxes.”

And that power, they say, is even more sweeping than the federal power to regulate interstate commerce.
Administration officials say the tax argument is a linchpin of their legal case in defense of the health care overhaul and its individual mandate, now being challenged in court by more than 20 states and several private organizations.
Under the legislation signed by President Obama in March, most Americans will have to maintain “minimum essential coverage” starting in 2014. Many people will be eligible for federal subsidies to help them pay premiums.
In a brief defending the law, the Justice Department says the requirement for people to carry insurance or pay the penalty is “a valid exercise” of Congress’s power to impose taxes.
Congress can use its taxing power “even for purposes that would exceed its powers under other provisions” of the Constitution, the department said. For more than a century, it added, the Supreme Court has held that Congress can tax activities that it could not reach by using its power to regulate commerce.
While Congress was working on the health care legislation, Mr. Obama refused to accept the argument that a mandate to buy insurance, enforced by financial penalties, was equivalent to a tax.
“For us to say that you’ve got to take a responsibility to get health insurance is absolutely not a tax increase,” the president said last September, in a spirited exchange with George Stephanopoulos on the ABC News program “This Week.”
When Mr. Stephanopoulos said the penalty appeared to fit the dictionary definition of a tax, Mr. Obama replied, “I absolutely reject that notion.”
Congress anticipated a constitutional challenge to the individual mandate. Accordingly, the law includes 10 detailed findings meant to show that the mandate regulates commercial activity important to the nation’s economy. Nowhere does Congress cite its taxing power as a source of authority.
They knew they were lying. They didn’t care. Because the end justified the means.
And the Mainstream Media was either brain-dead stupid or in on the lies. Period.
Under the Constitution, Congress can exercise its taxing power to provide for the “general welfare.” It is for Congress, not courts, to decide which taxes are “conducive to the general welfare,” the Supreme Court said 73 years ago in upholding the Social Security Act.
Dan Pfeiffer, the White House communications director, described the tax power as an alternative source of authority.
“The Commerce Clause supplies sufficient authority for the shared-responsibility requirements in the new health reform law,” Mr. Pfeiffer said. “To the extent that there is any question of additional authority — and we don’t believe there is — it would be available through the General Welfare Clause.”
The law describes the levy on the uninsured as a “penalty” rather than a tax. The Justice Department brushes aside the distinction, saying “the statutory label” does not matter. The constitutionality of a tax law depends on “its practical operation,” not the precise form of words used to describe it, the department says, citing a long line of Supreme Court cases.
Orwell is smiling on you, Mr President and AG Holder.
Masters of Doublespeak.
Orwell on “The Party” of Big Brother: The Party seeks power entirely for its own sake. We are not interested in the good of others; we are interested solely in power.  Not wealth or luxury or long life or happiness: only power, pure power. What pure power means you will understand presently. We are different from all the oligarchies of the past, in that we know what we are doing. All the others, even those who resembled ourselves, were cowards and hypocrites.
To know and not to know, to be conscious of complete truthfulness while telling carefully constructed lies, to hold simultaneously two opinions which cancelled out, knowing them to be contradictory and believing in both of them…(Orwell, New American Library, 1981, p35)
Moreover, the department says the penalty is a tax because it will raise substantial revenue: $4 billion a year by 2017, according to the Congressional Budget Office.
In addition, the department notes, the penalty is imposed and collected under the Internal Revenue Code, and people must report it on their tax returns “as an addition to income tax liability.”
2009: What’s more, the agency is limited in the actions it can take to enforce compliance. “Congress was very careful to make sure that there was nothing too punitive in this bill,” {IRS Chief} Shulman said. “There’s no criminal sanctions for not paying this, and there’s no ability to levy a bank account or do seizures or [use] some of the other tools” available to the agency for enforcing laws.
If necessary, the IRS will levy fines against individuals who fail to purchase adequate insurance and collect them though tax return offsets. But the agency’s “first line of defense is education,” he said.
Because the penalty is a tax, the department says, no one can challenge it in court before paying it and seeking a refund.
Jack M. Balkin, a professor at Yale Law School who supports the new law, said, “The tax argument is the strongest argument for upholding” the individual-coverage requirement.
Mr. Obama “has not been honest with the American people about the nature of this bill,” Mr. Balkin said last month at a meeting of the American Constitution Society, a progressive legal organization. “This bill is a tax. Because it’s a tax, it’s completely constitutional.”
Mr. Balkin and other law professors pressed that argument in a friend-of-the-court brief filed in one of the pending cases.
Opponents contend that the “minimum coverage provision” is unconstitutional because it exceeds Congress’s power to regulate commerce.
“This is the first time that Congress has ever ordered Americans to use their own money to purchase a particular good or service,” said Senator Orrin G. Hatch, Republican of Utah.

In their lawsuit, Florida and other states say: “Congress is attempting to regulate and penalize Americans for choosing not to engage in economic activity. If Congress can do this much, there will be virtually no sphere of private decision-making beyond the reach of federal power.”

In reply, the administration and its allies say that a person who goes without insurance is simply choosing to pay for health care out of pocket at a later date. In the aggregate, they say, these decisions have a substantial effect on the interstate market for health care and health insurance.
In its legal briefs, the Obama administration points to a famous New Deal case, Wickard v. Filburn, in which the Supreme Court upheld a penalty imposed on an Ohio farmer who had grown a small amount of wheat, in excess of his production quota, purely for his own use.
The wheat grown by Roscoe Filburn “may be trivial by itself,” the court said, but when combined with the output of other small farmers, it significantly affected interstate commerce and could therefore be regulated by the government as part of a broad scheme regulating interstate commerce.

But it will bring prices down: Lie #4,264
The Democratic co-chair of President Obama’s fiscal commission said Wednesday that the president’s health care bill will do very little to bring down costs, contradicting claims from the White House that their sweeping legislation will dramatically impact runaway entitlement spending.
“It didn’t do a lot to address cost factors in health care. So we’ve got a lot of work to do,” said Erskine Bowles, former White House chief of staff to President Bill Clinton, speaking about the new health law, which was signed into law by Obama this past spring after a nearly year-long fight in Congress.
Esrkine Bowles is one of the two stooges who will anounce AFTER the mid-term election that all is crap and we have to have massive Tax increases in order to save us all, including likely, the VAT.
And if the republicans are in charge of at least one side or both of Congress it will be even  more there fault! :)
And Obama is going to, “Well, I have to do what the report says…”
It’s the ultimate Dog & Pony show.
Just keep that in mind.
Bowles, speaking at an event hosted by the U.S. Chamber of Commerce, said that even with the passage of Obama’s legislation, health care costs are still going to “really eat us alive” unless dramatic changes are made. The commission will submit recommendations on how to fix America’s long term fiscal problems to Congress in December.
Bowles’ point will be amplified Thursday when a conservative think tank releases a paper arguing that Obama’s health plan “is not entitlement reform,” at an event intended to highlight an alternative plan for reforming health care spending that is the brainchild of Rep. Paul Ryan, Wisconsin Republican.
James C. Capretta, a former White House budget adviser on health care to President George W. Bush, will present the paper for the Galen Institute at an event on Capitol Hill with Ryan, one of the Republican Party’s rising stars, and Douglas Holtz-Eakin, a top conservative economist.
Even as many on Capitol Hill are talking about addressing Social Security spending, Capretta writes in the 19-page paper that Medicare is the real problem.
Most Democrats and Republicans agree, Capretta says, that the 30 to 35 million seniors in Medicare’s fee-for-service (FFS) insurance program are “the engine … pulling the rest of the health system down the tracks at an accelerated and dangerous rate.”
And who just got recess appointee to the job of head of Medicare, a NHS Single-payer Health Care rationing lover.
No coincidence there mind you. :)
Most FFS participants pay nothing out of their own pockets for health care, and hospitals and doctors are incentivized to provide them with as many services and tests as can be loosely justified.
But Capretta says in the paper that the Obama health bill is not reform because it attempts to stop price inflation and inefficient care through top-down government control rather than bottom-up consumer demand.
“When attempts have been made in the past to steer patients toward preferred physicians or hospitals, they have failed miserably because politicians and regulators find it impossible to make distinctions among hospitals and physician groups based on quality measures that can themselves be disputed,” Capretta says.
Capretta goes on to say that Paul Ryan’s plan would move Medicare recipients from defined benefits to defined contributions, in which “cost-conscious consumers choose between competing insurers and delivery systems based on price and quality.”
“Beneficiaries would get to decide which insurance plan they want to enroll in. If the premium were more than the amount they are entitled to from Medicare, then they would pay the difference. If it were less, they would keep all of the savings,” Capretta says.
“Millions of otherwise passive Medicare participants would become active, cost-conscious consumers of insurance and alternative models for securing needed medical services,” Capretta writes. “Cost cutting innovation would be rewarded, not punished as it is today.”
White House officials pointed to recent blog posts by White House budget director Peter Orszag, who said that “if implemented effectively, [Obama’s health care bill] can play an important role in moving toward a healthier fiscal future.” (Daily Caller)

Welcome Big Brother Obama and Big Mother Michelle’s New and Improved IRS:
If it seems as if the tax code was conceived by graphic artist M.C. Escher, wait until you meet the new and not improved Internal Revenue Service created by ObamaCare. What, you’re not already on a first-name basis with your local IRS agent?
National Taxpayer Advocate Nina Olson, who operates inside the IRS, highlighted the agency’s new mission in her annual report to Congress last week. Look out below. She notes that the IRS is already “greatly taxed”—pun intended?—”by the additional role it is playing in delivering social benefits and programs to the American public,” like tax credits for first-time homebuyers or purchasing electric cars. Yet with ObamaCare, the agency is now responsible for “the most extensive social benefit program the IRS has been asked to implement in recent history.” And without “sufficient funding” it won’t be able to discharge these new duties.
That wouldn’t be tragic, given that those new duties include audits to determine who has the insurance “as required by law” and collecting penalties from Americans who don’t. Companies that don’t sponsor health plans will also be punished. This crackdown will “involve nearly every division and function of the IRS,” Ms. Olson reports.

Well, well. Republicans argued during the health debate that the IRS would have to hire hundreds of new agents and staff to enforce ObamaCare. They were brushed off by Democrats and the press corps as if they believed the President was born on the moon. The IRS says it hasn’t figured out how much extra money and manpower it will need but admits that both numbers are greater than zero.
Ms. Olson also exposed a damaging provision that she estimates will hit some 30 million sole proprietorships and subchapter S corporations, two million farms and one million charities and other tax-exempt organizations. Prior to ObamaCare, businesses only had to tell the IRS the value of services they purchase. But starting in 2013 they will also have to report the value of goods they buy from a single vendor that total more than $600 annually—including office supplies and the like.
Democrats snuck in this obligation to narrow the mythical “tax gap” of unreported business income, but Ms. Olson says that the tracking costs for small businesses will be “disproportionate as compared with any resulting improvement in tax compliance.” Job creation, here we come . . . at least for the accountants who will attempt to comply with a vast new 1099 reporting burden.
Meanwhile, the IRS will be inundated with useless information, because without a huge upgrade its information systems won’t be able to manage and track the nanodetails.
In a Monday letter, even Democratic Senators Mark Begich (Alaska), Ben Nelson (Nebraska), Jeanne Shaheen (New Hampshire) and Evan Bayh (Indiana) denounce this new “burden” on small businesses and insist that the IRS use its discretion to find “better ways to structure this reporting requirement.” In other words, they want regulators to fix one problem among many that all four Senators created by voting for ObamaCare.
We never thought anyone would be nostalgic for the tax system of a few months ago, but post-ObamaCare, here we are.(WSJ)
On Friday, Democratic Rep. Henry Waxman of California, the chairman of the House Committee on Energy and Commerce, declared that the sky is about to fall on the Medicare system. His plea to fellow Democrats to pass a $22.9-billion fix for Medicare doctors’ fees reveals the fraudulent nature of our new national health care regime.
Remember the health care issue? Well, the fiscal consequences of the socialized medicine scheme enacted by President Barack Obama and Congress just two months ago are already beginning to snowball.
Democratic Rep. Henry Waxman of California, the chairman of the House Committee on Energy and Commerce, was one of the key architects and advocates of Obamacare. He was back on the House floor on Friday delivering an urgent plea to fellow Democrats that inadvertently—or, perhaps, unavoidably—revealed the fraudulent nature of our new national health care regime.
It was supposed to save the taxpayers money, remember? “This legislation will lower costs for families and for businesses and for the federal government, reducing our deficit by over $1 trillion in the next two decades,” Obama said when he signed the bill.
On Friday, Waxman declared that the sky is about to fall on the Medicare system. He went to the House floor to “urge” his colleagues to vote for a bill that includes $102 billion in new federal spending and would add $54 billion to the national debt over the next 10 years — $25 billion of it in the few months remaining in this fiscal year.
Why did Waxman believe this new borrowing-and-spending was necessary?
“It’s absolutely critical to do this if we are going to keep doctors in Medicare and keep the promise to Medicare beneficiaries that they will have access to physicians’ services,” said Waxman. “This provision will provide a moderate increase in physicians’ fees, 2.2 percent for the rest of the year. If we don’t act, doctors’ fees will be cut by 21 percent from where they are today. This would be unconscionable.”
It would not merely be unconscionable. If the 21-percent cut in Medicare fees for doctors—that, in fact, legally took effect on June 1 — is allowed to stand, many doctors in this country will simply stop seeing Medicare patients. They will not be able to afford it. The cost to them of serving their patients will exceed what they are paid. Their profit margin will be swept away.
To make precisely this point, 12 national surgeons’ associations—including the American Association of Neurological Surgeons, the American Association of Orthopedic Surgeons and the American Academy of Otolaryngology-Head and Neck Surgery—sent House Speaker Nancy Pelosi a letter last Wednesday warning her what would happen if Medicare doctors’ fees are slashed as they are scheduled to be under current law.
“These continued payment cuts, rising practice costs and a lack of certainty going forward, make it difficult, if not impossible, for already financially challenged surgical practices to continue to treat Medicare patients,” the surgeons’ associations told Pelosi.
The letter pointed the speaker toward the results of a survey of more than 13,000 physicians done in February by the Surgical Coalition, a group of more than 20 medical associations. The survey asked these doctors what they would do if Medicare fees were slashed by the scheduled 21.2 percent.
Twenty-nine percent said they would opt out of the Medicare system entirely. Almost 69 percent said they would limit the number of appointments they would take from Medicare patients, 45.8 percent said they would start referring complex Medicare patients to other physicians, 45.3 percent said they would stop providing certain services, 43.8 percent said they would defer purchasing new medical equipment and 42.7 percent said they would cut their staff. Almost 4 percent of the doctors said they would close or sell their practices.
Why did Congress plan to slash the doctors’ Medicare fees in the first place? It didn’t. In the past, the majority in Congress has routinely enacted budget bills that fraudulently assumed that on some future date the federal government would dramatically slash the Medicare fees paid to doctors, knowing that before that date arrived the majority would pass “emergency” legislation postponing the cuts to some still-future date. The majority in Congress does this so the long-term deficits caused by their spending bills appear to be smaller than they actually are.
As originally proposed, Obamacare would have ended this practice, permanently setting Medicare reimbursement rates for doctors at the true anticipated level. But the Congressional Budget Office determined that doing so would have added $208 billion to the cost of Obamacare over 10 years, forcing the CBO to declare that Obamacare added to the deficit rather than reduced it. That would have cost Obamacare votes on the House floor and quite possibly defeated the legislation.
So the congressional leadership stripped the “doc fix” out of Obamacare and left it to another day.
Waxman went down to the floor last Friday to declare that day had come. Unfortunately, for him, the Senate had already left town for its Memorial Day vacation. So, the current fix will have to wait until it returns.
Even then, the fix only accounts for $22.9 billion of the $102 billion cost of the bill the House did pass on Friday. Most of the rest of the money is for extending unemployment benefits and special targeted tax breaks.
The $22.9 billion fix for the doctors’ fees—if passed by the Senate—would only last through September 2011. Then Congress will presumably do it all again—or let the Medicare system collapse.
And they did.
In the meantime, Obamacare is supposed to cut half a trillion in spending from elsewhere in Medicare, while Obama’s budget—not counting the $54 billion in new debt included in this bill—is expected to add $9.8 trillion to the national debt over the next 10 years.(IBD)

And then there’s still more on the “Financial Reform” bill related to the IRS:
“Small businesses are America’s job creators and essential to our nation’s economy,” Roberts said in prepared remarks. “Under the new healthcare law, small businesses will be hit with a costly tax reporting provision that will increase the cost of doing business at a time of economic uncertainty.”
Beginning in 2012, the law states that businesses, tax-exempt organizations, and state and local governments must submit a separate 1099 form for every business-to-business transaction totaling more than $600. The impetus behind the requirement is help the IRS better enforce the tax law by forcing companies to disclose whom they do business with.
Several organizations, including the IRS watchdog The National Taxpayer Advocate, have questioned how effective this requirement will be on enforcement.
The new mandate applies to everyday purchases, like shipping costs, supplies, even Internet and phone service. The senators argue this will overburden companies. The Taxpayer Advocate questions the IRS’ ability to handle all the documentation.
“Unless corrected, this time-wasting mandate of 1099 filings on common purchases needed to do business, will stifle economic growth and job creation while the IRS will be handed a paperwork nightmare,” Roberts said.
The senators contend the requirement will affect 40 million businesses nationwide.
“I have heard from many Kansas small businesses and farmers, already burdened with government bureaucracy, that these new reporting requirements will waste time and negatively impact their bottom-line,” Roberts said.

Abortion, anyone?
As reports are coming out that Pennsylvania is receiving $160 million from the Department of Health and Human Services to set up a new high-risk insurance pool program that will fund abortions, we are seeing, yet again, that the Obama Administration will say and do anything to pass their liberal agenda — ignoring public opinion along the way…
LIES: “You’ve heard that this is all going to mean government funding of abortion – not true. These are all fabrications.” — President Obama on August 19, 2009
D*MN LIES: “The executive order provides additional safeguards to ensure that the status quo is upheld and enforced, and that the health care legislation’s restrictions against the public funding of abortions cannot be circumvented.” — White House Statement on March 21, 2010
STATISTICS: 67 percent of Americans oppose funding abortions with public funds under the health care bill. — Quinnipiac University Poll, January 14, 2010
As pundits have commented in recent weeks, and many of us have realized, you need to watch what the President really does, not listen to what he says, as the two are often in vast contrast of one another. As you can read above, nowhere is this truer than on the issue of abortion.
Back in March, when the offer to sign an Executive Order was made, many pro-lifers questioned why the order was needed after President Obama, Speaker Pelosi and Secretary Sebelius had been saying for months that no federal dollars would be used to fund abortions. On the day of the vote, I personally spoke on the House floor about how an Executive Order has no effect of law and cannot override the clear intent of a statute, as well as on how an Executive Order is only a piece of paper. Now that we know how little the President values his word and that he is comfortable violating an Executive Order, we are only left to wonder what other secrets are lurking for us in the dark. (The Hill)

Remember, it was abortion that was the very last hurdle that Obama had to jump over to get his power over life and death.
He promised to Federally ban it.
He said Health Care Reform wasn’t tax.
The Stimulus will create 3 Million Jobs. (not “save or create”)
I said at the time he was lying.
I got called a racist so many times I could have paid off my house with the money if I got paid for it.
Saying this President is lying when his lips are moving is like saying the sun will come up tomorrow.
It’s an absolute certainty.

“If you want a vision of the future, imagine a boot stamping on a human face – forever.”-Orwell

Thank you, Big Brother and Big Mother and Big Sis… :(
Anyone got a crate of Tea handy… :)