Critical Thought

Stuart Shepard adds some insights to the aforementioned Dave Ramsey video in this short Stoplight. And he cites a couple of points I’ve run into in debating with people about the healthcare law. Sadly, people who I know are intelligent, almost seem to cover their ears to the opposition when it comes to Obamacare. Is it because they just don’t want to hear anything that might change their mind? Or is it because deep down they know there are big problems on the horizon, and don’t want to admit it? I trust that if you’re reading this, you are open to new information and critical thought. And especially if you tend to disagree with me, please consider what Dave and Stuart have to say.

Math

You may have seen this video recently on social networks or blogs.  Dave Ramsey lays out a very reasonable, rational explanation of what Obamacare is going to do to insurance rates.  And he does what I seek to do, but oftentimes fall short of.  He doesn’t start with the political angle.  He looks at an issue critically and describes what he sees will be the logical result.  Such is what I have been trying to do in telling others of Obamacare’s effects on their lives and the country.  Putting aside the political ramifications, this law will do incredible harm to people, even those we claim to want to help.  It’s not a political argument.  It’s simple math.

The disaster is almost here

Do you have health insurance? You will soon be required by law to have it. And its cost may be more than you can afford to pay.

Beware of government promises, and promises by politicians seeking your vote. Those promises have a funny way of evaporating before you get what you thought you would. And don’t we usually decry this? We disparage smooth talking politicians who make promises they cannot possibly deliver. Yet we continue to believe them, and to elect them.

I believe we are headed for a disaster very soon because of Obamacare. As people begin to realize that the law says they must buy health insurance or pay a fine, and as the cost of insurance continues to rise, the economy will take a major hit. As the economy slows down, more people will be out of work, yet still be required to buy insurance.

I know there are many who have the absolute best of intentions when it comes to their support of the “Affordable Care Act.” They genuinely care about helping the poor and needy, and they think laws like this will help. But my contention from the time this bill was being debated is that it will do far more damage to those less fortunate, to the sick, to the elderly, and even to the middle class than it will ever do to help them.

Some saw problems with our healthcare system and automatically believed that any proposed fix would be a good one. Especially one that supposedly promises to provide health insurance to those who don’t have it. But Obamacare doesn’t do that. It simply says you have to buy health insurance. “If a mandate was the solution, we could try that to solve homelessness by mandating everybody buy a house,” argued…Barack Obama during the 2008 democrat primary. “In some cases, there are people [in Massachusetts] who are paying fines and still can’t afford [health insurance], so now they’re worse off than they were. They don’t have health insurance, and they’re paying a fine…” And he had a good argument. Yet this is the centerpiece of his own healthcare law, its funding mechanism, and the chief reason the law was challenged all the way to the Supreme Court last summer.

And the scenario Mr. Obama pointed out in Massachusetts will be happening across the country, as many will lose their existing health insurance plan from their employer. Either through having their hours cut to part-time or through their employer dropping coverage, many will have to go to the exchanges, where they may or may not be able to afford to buy. Should they not buy, they must pay a fine, and now they are – as our President said – “worse off than they were”.

To be fair, there will be some who will be helped by the law; some whose situations will – in the short term at least – be improved. But the reason I opposed the bill, and why I still support the law’s repeal, is that the bad will far outweigh the good. In a nut shell:

– It will dramatically drive up the cost of insurance for families already struggling to make ends meet.
– It will result in many people’s jobs being cut to part time or eliminated entirely.
– It will result in less available care and poorer quality care for Americans.
– It will cause the rationing of care, meaning many sick or elderly will be denied access to healthcare that could improve their quality of life, or save it entirely.

We have already seen the first two in action. Companies across the nation have been cutting employees’ hours to avoid the heavy cost of Obamacare. I personally know a young man whose hours were cut in half directly because of the law. And the cost of insurance is going through the roof. President Obama often likes to cite individuals’ situations when showing why laws he’s signed are good things. I’d like to cite one family’s current situation.

Andy and Amy Mangione of Louisville, KY are a middle class family with two boys. Because of Obamacare, their premiums are tripling next year, from a little more than $300 a month to nearly $1,000 a month. And their plan includes a high deductible, meaning they are assuming a good amount of risk as it is. Now they are going to have to find a way to cut over $600 from their budget each month just to afford the insurance that the law now says they must have. May I ask, could you afford an extra $600 a month out of your pay check?

As this kind of situation happens more over the country in the coming days, can you imagine the affect it will have on the economy?

In a move to limit costs, many insurance companies are beginning to limit the number doctors a patient can see. This gives less freedom to patients and limits their options.

And finally, Obamacare created the a bureaucracy known as the Independent Payment Advisory Board (IPAB). These 15 people have been given the power to essentially say what care can be given to whom, and by default what care can be withheld from whom. Simply put, these will be the people in charge of health care rationing. The ones that will be affected most by this horrible system are the most vulnerable: the sick and the elderly. Even advisers to the President have been public in their call for these “death panels” (as they call them) as part of a solution to the high cost of healthcare. I think it is despicable for the government to have the power to deny someone life saving or life improving care.

Why do so many oppose this law? It’s not because we’re just meanies who don’t want to help the poor. On the contrary, we see this disaster making many more people poor, and keeping the ones who are already poor from getting out. Get prepared, this could be a very rough ride.