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Permalink:

What Is Going On With Obamacare?

Stanley Feld M.D.,FACP,MACE

President Obama’s implementation of Obamacare is right on course to destroy the healthcare system and replace it with the federal government being the single party payer.

He is out to prove that the free market system does not work.

President Obama uses the strategies of Cloward and Pivan as well as Saul Alinsky to overwhelm the healthcare system. The goal is to create chaos in the system.

At the same time he attacks his enemies personally.

Cloward and Pivan said full enrollment of those eligible for welfare (entitlement/Obamacare) “would produce bureaucratic disruption in welfare agencies and fiscal disruption in local and state governments” that would “deepen existing divisions among elements in the big-city political parties and party coalitions.

The remaining white middle class, the working-class ethnic groups and the growing minority poor would be polarized. This would further weaken democratic institutions and existing political parties.

"In order to avoid the continuation of the chaos the federal government would step in and be obligated to advance a federal solution to poverty that would override local welfare failures, local class and racial conflicts and local revenue dilemmas.”[3]

Doesn’t this sound familiar? This week President Obama presented a non-fix to fix the problem of over five million people losing their insurance coverage. His move will only accelerate the chaos in the healthcare system he has already created.

Saul Alinsky said “do not let the enemy attack with a constructive solution. The enemy must be neutralized before its solution takes hold.”

The way to neutralize the enemy is by focusing on an individual you are going to attack. “Do not attack the constructive solution or the institution.”

Freeze the criticism on the individual; personalize the individual criticism and then polarize the populous against the individual and the constructive solution that individual represents. 

This is exactly what President Obama and the Democrats did to Mitt Romney and Paul Ryan. President Obama ignores the opposition’s constructive solutions.

An unidentified source sent me this comment. I am in total agreement

“Obamacare was designed to fail so that the unwashed masses, at the mercy of a cumbersome and unworkable system would look to Obama and the Feds for salvation in the form of single-payer medical care”. 

The only "incompetent and unknowledgeable" aspect of the situation is that Obama never, ever considered that the sycophantic Mainstream Media would ever call him out on this.

President Obama has never considered the wisdom of the American people.

In reality, government interference with the free market and its bureaucratic structure, inefficiencies and ill informed advisors have been the major cause of all the chaos.

Ben Carson quote

Barney Frank and John Kerry told President Obama that the only way Obamacare would work is with a strong public option and a single party payer system. President Obama’s response was don’t worry just pass the Affordable Care Act.

The creation of chaos in the healthcare system is the first step. Obamacare has succeed is creating chaos for people having their healthcare insurance coverage cancelled.

President Obama promised them that they could keep their insurance if they like their insurance. They could also keep their doctor if they liked their doctor.

He knew that this was not true in 2010. Nevertheless he promised it 23 more times since.

The New York Times reported,” A Contrite Obama Unveils a Health Fix

President Obama announced a fix to his signature health care law that will allow existing customers to keep their insurance plans.”

President Obama was far from contrite in my view. His non-fix fix will serve to accelerate the chaos in the marketplace.

His pronouncement is unconstitutional.

The insurance industry is not inclined to do things obviously against the “law of the land”. The main reason is the insurance industry has already purged the old insurance policies from their systems.

It will be impossible to reactivate them again in four weeks.

Increasing chaos is an important step in accelerating President Obama’s endgame to collapse the entire healthcare system.

Let us look at what he said during his “contrite” press conference.

"His announced fix is aimed at remedying the mass cancellation of individually purchased insurance plans by letting insurance companies re-offer non-compliant policies."

President Obama let slip that this is one big blame-shifting exercise. He announced that no one would be able to say Obamacare caused him or her to lose insurance.  

This is a Saul Alinsky tactic. The insurance industry has no inclination or ability to change its policies this late in the game. The industry can only lose money doing this.

President Obama has thus set up the healthcare insurance industry to take the blame for the before and after crisis in the healthcare system.

The fix undermines the essential premise of Obamacare. The young healthy people need to be forced into buying insurance through the health insurance exchanges. Insurance they do not want or need.

The President’s new fix will explicitly encourage many people to stay out of the exchange. The signal is clear that no one should sign up now because the entire program is in flux.  Young people do not trust President Obama anymore.

There were a series of incredible statements and lies made at the fix press conference.  Those paying close attention could hear them.

We fumbled the rollout on this health-care law.”

No kidding. Where is the lie about the promise you made after you knew this would happen with both the web site and the ability to keep your insurance.

“I completely get how upsetting this can be for a lot of Americans.”

Thank you Mr. President.

“It is a complex process.”

Therefore, no one in the administration is to be blamed for anything that went wrong because it is a complex process.

“I was not informed directly [How about indirectly?], that the Web site would not be working. . . .

I don’t think I’m stupid enough to go around saying this is going to be like shopping on Amazon or Travelocity, a week before the Web site opens, if I thought that it wasn’t going to work.”

This is either an intentional lie or he did not listen to people who were telling him the web site was not ready.

People were telling him for months that the web site was not ready, not secure and not tested.

It is time for President Obama take some personal responsibility.

“With respect to the pledge I made that if you like your plan you can keep it. . . that there is no doubt that the way I put that forward unequivocally ended up not being accurate.”

President Obama didn’t lie. He was just inaccurate. Hah!

“The Affordable Care Act is not going to be the reason why insurers have to cancel your plans.”

President Obama must be kidding. His administration’s regulations made the old insurance policies against the law of the land.

“The federal government does a lot of things really well. One of those things it does not do well is information technology procurement.”

Is it the federal government’s fault when President Obama awarded the non-bid contract to build the web site to Michelle Obama’s girlfriend?

“In terms of what happens on Nov. 30th or Dec. 1st, I think it’s fair to say that the improvement will be marked and noticeable.”

I thought we were promised that the web site would be fixed by November 30.

“What we are also discovering is insurance is complicated to buy.”

 Why make it more complicated with Obamacare? The process could and should be simplified.

“There is no doubt that our failure to roll out the ACA smoothly has put a burden on Democrats, whether they’re running or not.”

The burden is on the Democrats. They were fools to pass this un-executable law without reading it or understanding it.

Didn’t Nancy Pelosi tell fellow Democrats that they have to pass the bill in order to see what is in it?

Democrats were the only ones that voted yes for the bill. They are responsible for what is in it.

They all deserve to be kicked out of office in 2014.

“There have been times where I thought we were … slapped around a little bit unjustly. This one’s deserved, all right?”

Again Saul Alinsky comes up. In the last few days I have once again seen the race card come up in the traditional media and among celebrities. Alinsky said attack your enemy personally.

There is beginning to be outrage and fear among the people of all socioeconomic groups. Everyone is now getting President Obama number. No one trusts him anymore.

 Obamacare must be repealed. America must start all over again to reform the healthcare system.

A good place to start is with My Ideal Medical Savings Accounts and Tort Reform.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

The American Awakening

 

Stanley Feld
M.D.,FACP,MACE

Many of my good liberal
friends have been upset with me since Obamacare was passed into law.

I read the 2000 plus
page bill. I was distressed by the many changes to Americans’ freedom to
choose, increased hidden taxes, and the obvious road to the destruction of the
healthcare system.

I immediately regretted
my vote in 2008 for President Obama even though I liked the guy’s style.

I felt he knew little
about how the healthcare system worked. I soon learned he was not interested in
listening to practicing physicians.  

I have tried to follow
the 20,000 new regulations that have served to increase the mess that has been
created. I have reported on some of them.

Unfortunately the
traditional media has remained enamored by President Obama’s charm. The
traditional media had continued to dismiss reality until the recent web site
disaster.

The Obamacare disaster
is much worse than the web site disaster by itself. I sense the traditional
media is buying the explanation.

The reality is this web
site disaster represents the worst example of cronyism. It is even worse than
the Solyndra scandal. The Solyndra scandal on cost $535 million in federal guarantees .


The administration
issued a non- bid contract of $634 million dollars to a company in which an
executive is a good friend of Michelle Obama.
CGI’s web site looks fantastic.
The reality is they have had health insurance exchange software programs that
have failed in three provinces in Canada.

President Obama has been
lying his way through the web site disaster. The bizarre thing is he thinks he
will get away with it.

 

 
 

http://videos.nymag.com/video/If-You-Like-Your-Plan-Supercut

The public is becoming aware of the fact that Americans are
losing their healthcare coverage by political design.

President Obama is rapidly losing the trust Americans had in
him as reflected in the polls.
They fear they might lose their own healthcare
coverage next.

The
law is systematically dismantling the individual insurance marke
t, as its
architects intended from the start.”

I have been saying this since 2008. The aim of
Obamacare is for Americans to not to have a choice remaining. It will be a
single party payer system by default.

The traditional media is waking up. The first
wave is the 14 million people in the individual insurance market. Those 14
million Americans are being trapped into Obamacare. The 14 million are making a
big stink. President Obama is caught in an outright lie.

“Until
this month, consumers who weren't insured through their jobs were allowed
to
buy insurance that provides the best value based on their own needs. One of
every 10 private policies is sold through the individual market, covering about
7% of the U.S. population under age 65.”

President Obama did a clever thing. He gave a
waiver to the group insurance market until 2015. The traditional wisdom is that
the waivers were given because Obamacare was not ready to service the group
market.

The real reason for the waiver was to avoid
the uproar from 160 million people who have group insurance.

The 160 million Americans who will lose their
group insurance coverage next year will find out they have been deceived by
President Obama.

“The millions of Americans who are receiving
termination notices because their current coverage does not conform to Health
and Human Services Department rules may not realize this is by design.”


The administration is rolling out its media
spin. President Obama is trying to blame everyone in sight except himself. He
is blaming the healthcare insurance industry and Fox News for his debacle.  
 

President
Obama has blamed Fox News for inciting people to be against Obamacare. A reader
sent me this You Tube of Neil Cavuto's reply to President Obama. Mr. Cavuto
hits the nail on its head.

Cavuto: Mr. President, we at Fox News are not
the problem.”

 


 

http://youtu.be/DDdmtJCEWPA

President
Obama felt that free choice is a threat to Obamacare. If too many
people could keep the insurance policies they liked instead of joining the
government exchanges Obamacare could fail.

It has
been now been shown that his goal in 2010 was to destroy the private healthcare
coverage market.

“Liberals
believe they must destroy the market in order to save it.”

 The healthcare plans
the President promised people could keep have been intentionally outlawed by
regulations written by Kathleen Sibelius in the Federal Register as far back as
2010.

“The
goal is to force individuals earning more than $46,000 or a family of four
above $94,000, who don't qualify for subsidies, into the overpriced health
insurance exchange.”

“If these middle-class ObamaCare
losers can be forced into the exchanges, they become financiers of the new
pay-as-you-go entitlement.”

They
will pay $10,000 a year for a healthcare plan that people earning under that
amount will pay less than $1,000 per year. The government subsidy will finance
the difference.

If
enough people earning more than $46,000 and $94,000 a year do not sign up for
Obamacare, the federal government will have to make up the difference to the
insurance company that is providing the administrative services for that
healthcare coverage.

I hope
people remember another of President Obama’s promises. He said families making
under $250,000 a year would not pay one
dime extra in taxes
. The traditional media has ignored this lie.

 

http://youtu.be/cJ5fOsyj-bk

The operative
word that exposes the lie is “Not a
penny more in taxes on nothing because the last thing we want to do is to put a
burden on the middle class.”

  

http://youtu.be/7uoE_NicaMY

What
about all the hidden taxes? What about all the tax increases passed on to the
middle class in the form of increased prices?

One
can say President Obama is a genius as well as a liar. His goal is to destroy
the healthcare system and the middle class.

He is
on course to succeed unless the American people stop him.

I am
pleased that Americans are starting to wake up to his goals and are starting to
rebel.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Combining My “Ideal Medical Savings Accounts” And “Reference Pricing”

Stanley Feld M.D.,FACP,MACE

President Obama has declared over
and over again that no one has presented ideas better than Obamacare. 

I believe he has no interest in
listening to anyone.

I sent him 6 letters between 2008-2009
presenting my solution to repairing the health care system. These ideas were
from a practicing physician’s perspective. President Obama paid no attention.


President Obama fooled many people
with his intentions, including me. The traditional media is finally catching on
to him. 

All of the stakeholders are at fault
in causing the dysfunctional healthcare system. The dysfunction is the result
of all the stakeholders trying to adjust to ever changing government regulations
during the last 48 years

Obamacare is making that dysfunction
worse.

A consumer driven healthcare system
is the only way to Repair the Healthcare System.

I think President Obama wants the
healthcare system to fail. He wants to prove that the free market cannot
succeed.

He is deaf to the fact that the
healthcare system is not a very free market system.  Government regulations, tax favors, and tax
barriers over the years have interfered with the free market in healthcare.

The Affordable Care Act (Obamacare) intends to transform the
health-care system, extend coverage,
reduce costs and increase quality—all
without asking anything of the patients.

 Consumers will pay
with higher taxes, of course, but otherwise will face no incentives to make
wise choices, compare price with performance or shop for value.

 Doctors, hospitals,
insurers and, most of all, the government will do that for them, which is
hardly reassuring.

 This reflects what I
call the "impossibility theorem" in health care. The impossibility theorem maintains that patients cannot
make good choices, but, rather, must be dependent on the well-intentioned
decisions of others.

Policy makers believe this theorem by
definition. But, just to make sure, they have structured the health-insurance
system to ensure that patients are never asked or allowed to make
price-conscious choices.

The arrangement underlies the innumerable
rules, subsidies, entitlements, mandates and prohibitions that collectively
make health care the least efficient part of the economy.

 ObamaCare makes it worse.

I do not think consumers believe or trust President
Obama. Consumers certainly do not believe “the impossibility theorem.”

Consumers are ready for some common sense healthcare
policy. They just do not know what to do.

Consumers must be given incentives to control
healthcare costs. This can be done in several ways.

Consumers must be put in charge of their health and
healthcare dollars.

The
central pillar of effective healthcare reform is the creation of a system that
forces the healthcare insurance industry to be competitive and answerable to
consumers.

Consumers
must have incentives to control costs. This, in turn, would force hospital
systems and physicians to be competitive and reduce costs.

The government’s
role should be to empower consumers to have greater control over their
healthcare decisions, their health, their healthcare dollars and their
healthcare coverage.

The
government should teach consumers to make educated choices in their healthcare
decision-making.

Price
transparency of healthcare fees and parity of tax deductions between the individual
insurance market and the group healthcare insurance market is essential.

It is fool
hearty to assume that the redistribution of wealth, raising taxes by means
testing and price fixing will solve the problems in the healthcare system.

  “Why on earth would we want a system,
especially with something as personal as health care, where all of these free market
signals are lost, and insurers responding to regulators, not to us?”

Entitlement programs have never produced free market
efficiencies
. Entitlements have created unsustainable, unfunded liabilities.

Leadership must face this problem not add to the
problem.     

In the past seventy years medical advances through
research and technology have improved medical care and medical outcomes. Medical
advance has focused on fixing diseases after they have occurred.   

Consumers are the only ones that can prevent most
medical and surgical problems.

They can prevent most chronic diseases such as Type 2
Diabetes, heart disease, lung disease and others. 

Consumers are also the only ones that can prevent the
costly complications of a chronic disease.

A healthcare system must be constructed to incentivize
consumers to be responsible for their health and healthcare dollars.

Eighty percent of the healthcare dollars spend on
diabetes care is spent treating the complications of diabetes.

A healthcare system must be developed to align all of
the primary and secondary stakeholders’ incentives.

Only consumers can align all the stakeholders’
incentives.

Government control of the healthcare system cannot and
has not aligned those incentives.

Right now we are seeing bureaucracies making a $634
million dollar error with healthcare.gov. This is only the tip of the iceberg
for the problems in store for Obamacare.

The solution is not a single party payer. We will have
the same problems or worse because of the expansion of Medicaid. President
Obama’s hope was the cost of increasing Medicaid would be shifted to the
states.

The increase in cost will increase the federal deficit
and unfunded liabilities.

A healthcare system must be constructed to empower
consumers. I have written in detail about my ideal medical savings accounts.

I have pointed out that it can be very democratic.
Everyone can be insured while decreasing the costs.    

The ideal medical
saving accounts will motivate and empower consumers to save money by staying
healthy, staying out of the emergency rooms, and decrease over testing and over
treatment.

Consumers would be
motivated to shop for the top value and quality care.  

The government would
require providers to publish the discounted prices paid by the government and
the healthcare insurance companies to all consumers.

My ideal medical
saving account would incentivize consumers to save money. It would be the
responsibility of consumers to shop for the best price at the best quality.

Consumers would
carry their medical records digitally on a flash drive or on their smart phone
to avoid over testing. They would reap the financial benefits of these cost savings.

Consumers, after
the initial $6,000 dollars was spent, would receive first dollar healthcare coverage.
 

I have always been
satisfied with the front-end incentives. I have never been satisfied with the
catastrophic coverage. It does not provide financial incentive for consumers to
save.

I finally figured
it out. Consumers would continue to receive first dollar coverage if they spent
over the initial $6,000 after the initial stakeholders.

The discounted
hospital, surgical and medical device costs would be published along with
outcomes.

Discounted prices
for services could also vary for the same services. The outcomes could be the
same.

A hospital system
with better outcomes should receive more. If the hospital system negotiates a
higher fee than another hospital system but has the same outcome the consumer
should be liable for the difference.

 In this way the decision for choosing the
provider is in the hands of the consumer.

Combining my ideal medical saving account and “reference
pricing” will incentivize consumers to be in control of their healthcare costs
and their health and healthcare dollars.

Consumers should receive pretax dollar treatment for
all expenditures.

Consumers will then shop for price and quality to
their financial advantage.  This will
incentivize providers to compete on both price and quality.

The Oklahoma Surgical Center has forced local
hospitals to do just that
. The Surgical Centers’ online prices were one half to one
fifth the prices of the local hospital.  The hospital centers are now starting to
compete on price and quality.

 The combination
of the ideal medical saving accounts and reference pricing will incentivize
providers to be aligned with consumers’ goals.  

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Obamacare Drives Premiums Up In 45 Of 50 States

Stanley Feld M.D.,FACP, MACE

President Obama promised
during his campaign for passage of the Affordable Care Act that the Act would
cause premiums "for the typical family" to fall by $2500.

He also said it would bend
the healthcare cost curve and if you like your doctor you can keep him or her.
We all remember these sound bites. The sound bites are all turning out to be
false.

Many intelligent people who
believe in Obamacare refuse to consider these facts. I can understand the
denial.

They will pay attention as
soon as it effects them.   

The added required benefits mandated
in insurance coverage in the law and the way the healthcare insurance industry
is permitted to calculate its Medical Loss Ratio makes President Obama’s
calculation impossible.

President Obama has been telling
the American public a lie all the while. People are starting to understand.  

The average one month premium
change from buying insurance in the non-group market in 2013 versus the
Obamacare exchanges in 2014 is not revealed in any government statistics. Two
studies were completed by private sources.

 Premium comparisons between
2013 and 2014 are not available from Health and Human Services (HHS).

The 2013 premiums increased
by double digits from the 2012 premiums because of Obamacare. The traditional
media has not pressed the government to provide these comparisons.

The media continues to quote
the administration press releases of lower premium prices.  The Obama administration uses CBO estimates
of premium prices calculated in 2010 for 2016 by data provided by the Obama
administration. The tradition media refuses to report reality.

A 50-state study has found
that insurance premiums will increase the first year of Obamacare in 45 of 50
states.

Insurance cost under obamacare

Premiums paid outside the
health insurance exchange will increase the same percentage or more.

No one can
say the American public has not been warned.  

There is
going to be tremendous public outcry in the individual market for insurance
when the cost to individuals and the American taxpayers is realized.

October
1,2013 is open enrollment season for the individual and group insurance market.

President
Obama has exempted the group market from Obamacare until 2015.

One of the
reasons for the exemption for the group market is to try to mute the outcry by
splitting the non group insurance from the group insurance holders.

Some of the
premium increases have already been report in the traditional media.

 "Individuals in most states will end up
spending more on the exchanges," policy analyst Drew Gonshorowski writes”

The Department of Health and Human Services published a similar
report. The government’s report is incomprehensible to me.

It does not compare pre Obamacare premiums of 2013 to
Obamacare Health Insurance Exchange premiums of 2014.

There
are literally no comparisons to current rates. That is, [the Department of Health
and Human Services] has chosen to dodge the question of whose rates are going
up, and how much. Instead they try to distract with a comparison to a
hypothetical number that has nothing to do with the actual experience of real
people.

—Douglas
Holtz-Eakin
President, American Action Forum[1]

 

The Department of Health and Human Services has
declared a 16% decrease in premium costs compared to the CBO’s 2010 estimate of
premiums for 2016.

It is important to remember the CBO’s
calculation was with faulty data provided by the administration.

Based on a Manhattan Institute analysis of the HHS numbers,
Obamacare will increase underlying insurance rates for younger men by an
average of 97 to 99 percent, and for younger women by an average of 55 to 62
percent.
Worst off is North Carolina, which will see individual-market rates
triple for women, and quadruple for
men.”

  

http://youtu.be/JwPr59nA1fM

The Obama
administration’s methods of deception are cunning, powerful and effective.

He always blames others and hides his ideology.

President
Obama continues to try to fool a majority of the people most of the time.

Americans will
get the point where the rubber meets the road. The public is going to
have to reach into their pockets and pay these enormous increases in premiums
or not buy healthcare insurance coverage.

Taxpaying
Americans are also going to experience massive increases in taxes above and beyond those already experienced.

I predict the
public outcry will drown out the spin of the Obama administration. The
traditional media will not be able to ignore this public outcry.

People will
finally realize the enormous government grab of power and control of Obamacare at
taxpayers’ expense.

People
can’t complete applications or secure premium prices on the health insurance
exchanges because of technical problems resulting from ancient information technology
used by the government to construct the exchanges.

All of the
consumers’ demographics must be filled out before the government provides a
premium price. There is at tricky reason for this.

This
computer “glitch” solidifies my view that President Obama wants Obamacare to
fail in order to replace it with a single party payer system that America
cannot afford.

This last
statement is counterintuitive but I believe true.

Is it wise
for consumers to hand over all their medical decision making to a government
that has this much difficulty with executing a computer program and providing
healthcare insurance premiums?

Americans
must wake up soon. They have to insist on a consumer driven healthcare system
in which they have control over their healthcare and their healthcare dollars.

Americans have
to insist on having an Ideal Medical Saving Account healthcare system

I have described the Ideal Medical Saving Account System in great detail.

 

 
The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Pure Genius Or Pure Stupidity?

Stanley Feld M.D.,FACP,MACE

President
Obama’s actions as leader of this country have been either pure genius or purely
stupid.

I think it
is pure genius. He promised Americans he was going to fundamentally change
America. He has!

Americans
have been under stress during the last few weeks. First it was the government
shutdown. Now it is the nation going into default. It is common knowledge the
shutdown and default is political theater.

President
Obama has run circles around Republican in the game of political theater.

The
traditional media has ignored the underlying causes of America’s problems.

We are increasing
debt to the point of unaffordability. The only way out is to increase taxes
further or decrease government spending while lowering taxes.

Increased
deficits are not good. Deficit increases devalues our currency. America’s currency
has already been devalued by the Federal Reserve increase in printing money.

Increasing
taxes leads to decreased jobs creation. Decreased employment leads to decreased
discretionary spending. The result is decreased economic growth.

Rather
than trying to decrease spending rationally by increasing government
efficiency, President Obama has closed down silly things to make it most painful
and noticeable to the public. These noticeable services have little overhead.
These closures are not an example of reducing inefficient spending.

In the
meanwhile his administration has spent over $600 million dollars for a health
insurance exchange software program. The program is poorly designed and does
not have an integrated back end.

Even if
the software was great, the cost of healthcare insurance through the exchanges
is increased and out of reach of the individual buyers.

 The cost of insurance is cheap for the poor who
qualify for government subsidies. The poor will receive a tax credit which will
be credited to the insurance company whose policy the poor person buys.

The math
is grotesque. If a healthcare policy costs $10,000 and a patient makes $30,000
dollars a year, he pays only 2% of his net income for the policy or $600 per
year. The taxpayer pays $9,400 a year for that policy.

This is
an example of hidden “redistribution of
wealth
” and another entitlement.

The
Obama administration has waived the verification requirement for receiving a health
insurance exchange subsidy. Verification of need does not have to be fulfilled
by the health insurance exchanges. Anyone can lie and receive a subsidy to
purchase healthcare insurance threw an exchange.

Another
big mistake was the design of the roll out to promote electronic medical
records. After 4 years only 11% of these records are functional. Physicians have
spent money for EMRs they could not afford. Hospital systems spent money they
could not afford. The government wasted $30 -60 million dollars of taxpayers
money in the unsuccessful effort to implement EMRs.

America
is a long way away from being computerized with a functional EMR.

Accountable
care organizations (ACO) are another important cog in Obamacare’s success or
failure. The administration brags about the fact that 250 ACOs are in
development.

There
are over 5,000 ACOs that need to be developed. A premier organization such as
the Cleveland Clinic had to drop out of the program because of the cost to the
institution. The Mayo Clinic refused to participate.

At the
same time ACO’s are turning out not to be cheaper or have better outcomes than
traditional medical care.

ACOs
were supposed to improve quality. ACOs were supposed to be a free market
solution to the dysfunctional healthcare system.

The
administration has been bragging about the greatness of the VA system. The
bragging stopped when the system’s poor quality of care was exposed. Veterans
are receiving poor treatment.

Everyone
would certainly have to admit Obamacare has been disruptive to the delivery of healthcare
in America.

The
months of healthcare insurance open enrollment for people is starting. People
are starting to see massive increases in their healthcare premiums. In order to
avoid these premium increases and the Obamacare penalties, large organization
such as Home Depot are hiring only part time workers.

The
Obama administration has developed a low cost insurance plan for the McDonalds
of the world. These health insurance policies cost little a cover less.

President
Obama has also provided waivers for congress and its employees. He is at
present trying to sneak in waivers from Obamacare to unions.

First, there was the delay of
Obamacare’s
 Medicare cuts until
after the election. Then there was the delay of the law’s employer mandate. Then there was the announcement,
buried in the
Federal Register, that the administration would delay
enforcement of a number of key eligibility requirements for the law’s health
insurance subsidies, relying on the “honor system” instead. Now comes word that another
costly provision of the health law—its caps on out-of-pocket insurance
costs—will be delayed for one more year.”

 The
Obama administration has issued a blizzard of mandates and regulations. These
regulations have increased the cost of health insurance.

The caps
on out-of-pocket insurance costs, such as co-pays and deductibles have not been
publicized. On January 1, 2014, deductibles were supposed to be limited to $2,000 per year for
individual plans, and $4,000 per year for family plans.

In
February 2014, the Department of Labor published a little-noticed rule delaying
the cap until 2015. The costs of these deductible limits were already built into
the 2014 healthcare insurance premiums and were not removed.

The
government did nothing to reduce the increased healthcare premiums after the
limits did not apply.

 “Federal officials said that many insurers and
employers needed more time to comply because they used separate companies
to
help administer major medical coverage and drug benefits, with separate limits
on out-of-pocket costs. In many cases, the companies have separate computer
systems that cannot communicate with one another.”

“We
had to balance the interests of consumers with the concerns of health plan
sponsors and carriers.”

How is it in the consumers’ interests to pay far
more for health insurance than they do already?

I have a theory.

President Obama’s ultimate goal is to have a complete
government takeover of the healthcare system. A takeover the government cannot
afford.

He figures by creating as much chaos as possible
now in the “not so free market healthcare system”, he can declare the free
market healthcare system has failed.   

There will be a resulting public outcry for the
government to help and take over the system.

The takeover will be with a single party payer
system.

What are the chances a government takeover will
result in an efficient, cost effective system that will provide access to care
without rationing of care while being affordable?

With all the delays, exemptions and regulations,
it looks as if Obamacare is destined to fail. Obamacare is going to be
impossible to execute effectively.

Obamacare’s ultimate failure is playing right
into President Obama’s     ideological goal
of a single party payer system.

President Obama is not stupid. He is a genius.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Speaking Of Chaos And Uncertainty

Stanley Feld M.D., FACP, MACE

I ended my last blog with,

“President Obama’s goal is to create more chaos
and dysfunction in the healthcare system. “


“Only then can the government really step in and
say let me help you.”


It is the only
reason President Obama told the then Senator Kerry and Congressman Frank not to
worry if the final bill does not have a public option.

Kerry and Frank said
Obamacare would not work without a public option. The only thing that would
work is a single party payer system.

  

 

 

With limited benefit
plan, employers would avoid the broader $2,000 per-worker penalty.

It is not
clear is whether employers could face a $3,000 penalty per individual for any
employee who opts out of the limited benefit plan.

Four
problems are being discovered with the health insurance exchanges.

1.
If the employee is a low wage employee that refused employer provided insurance
he is not eligible for a government subsidy.

2.
If the federal government runs the health insurance exchange, the federal
government by law is not permitted to provide a subsidy. Only state run
healthcare insurance plans can provide subsidies.

Over
50% of the states have refused to run health insurance plans. Therefore people
who need subsidies are not eligible in over 50% of the states.

3.
The law calls for tax credits and not subsidies. All of a sudden the words “tax
credits” have been dropped in discussion. Only taxpayers who earn over $38,000
per year pay taxes. The only way a person can utilize a tax credit is by
deducting the tax credit from taxable income.

The
government has gotten around this problem by giving the healthcare insurance companies a tax credit in advance and calling it a subsidy for qualified
persons.

Those
workers who opt out of the employer provider plan for a health insurance
exchange plan would not be eligible for a government subsidy. 

A full-time worker earning $9 an hour would
have to pay as much as $70 a month for a mid level exchange plan from a health
insurance exchange, even with the subsidies, according to the Kaiser Foundation.

At $12 an
hour, the workers' share of the premium would rise to as much as $140 a month.

 A $12 an hour worker cannot afford to pay $1680
a year for healthcare insurance.

Mid
level coverage is limited coverage. A patient might need a higher-level plan that costs $200
a month or $2400 per year. This plan is out of reach for most patients making $40,000/year.

 "There are going to be many people who will
be ill and need a more robust plan,” a
health benefit
advisor proclaimed.

Currently, only one-quarter of workers eligible
for the mini-med plan take it. Ms. Newman said,
"We
really feel like the people who are not taking it now will not take it
then."

There
is a huge glitch in the health insurance exchanges’ individual healthcare
market. This glitch will make the health insurance exchanges more costly and
less attractive to all stakeholders. It will decrease the number of people
insured and increase the federal deficit.

The
majority of the individual market is comprised of low wage earners with
irregular work histories.

These people may be
self-employed or seasonal workers with surges of income. They could be
part-time workers with several part time jobs. 

Obamacare does not permit cancellation of the health insurance exchange
policy because it will mean that people will be in violation of the federal mandate
if they do not have insurance. 

The Obamacare bureaucrats realize that people receiving subsidies might
have a hard time paying the premiums even if they receive a subsidy.

These people live from month to month. Some have surges in income. Some
collect commissions one month and nothing the next month. Most have old cars.
They might suddenly need new brakes or new tires. Some might get the flu and have
to stay home without pay for a week. There are many reasons low wage earners
suddenly have a hard time paying healthcare premiums even if they are subsidized.

Many do not have bank accounts or credit cards. There is no such thing
as auto pay in their world.

The Obamacare bureaucrats writing the health insurance exchange
regulations are people with nice bureaucratic jobs with steady paychecks. They
have no idea how difficult it is to make ends meet for these people each month.

The healthcare insurance industry
does not care about these problems. It may provide for a grace period of a week or two. If a healthcare
policyholder fails to pay their healthcare policy premium the policy is
cancelled in the real world.

In the bureaucratic world of Obamacare the healthcare insurer cannot
cancel the insurance in the usual way.

HHS has created through multiple regulations a whole new and very
restrictive method of discontinuing healthcare policies that must be followed
to a “T” by the healthcare insurance industry.

This method will lead to even more dysfunction in the healthcare system.

HSS has instituted a 90-day grace period for paying premiums only for those
receiving federal subsidies from the health insurance exchanges
.  

At the end of the 90-day grace period the policyholders must pay the
entire three months due. If they could not pay the premium monthly how are
they going to pay the three month fee?

Aetna was not so dumb in dropping out of the health insurance exchange
system after all.

During the three-month grace period if a policyholder get sick and
needs care they will be entitled to care.

Who will bear the financial responsibility for the care? Not the
patient.

HHS has decided to split the financial responsibility between the
insurance companies and the providers. The insurance company will cover the
first month and the hospitals and physicians will cover the next two months.

After three months the insurance company can cancel the insurance.  However people can re-enroll again during the
next signup period without penalty.

If one is clever enough a patient can receive 12 months of care and
coverage for nine months of premiums without penalty.  

“Along with paying for services during the first month of
the delinquency, the insurer must:

1) notify HHS of the non-payment;

2) notify
providers of the possibility of denied claims during the second and third
months;

3) notify the insured that he/she is delinquent;

4) continue to collect
the advanced tax credit on behalf of the policyholder;

5) return the tax credit
for the second and third month to the Treasury;

6) issue a termination notice
to the insured at the end of the grace period.”

This procedure is a
very large administrative burden and potential financial loss because of the
federal government's decreases in funding. Most providers and insurance companies will quit
participating in the health insurance exchange program.

Rather than increasing affordability and access to care it will decrease
access to care and affordability of care. It will create a more dysfunctional
healthcare system.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Is There A Solution?

Stanley Feld M.D.,FACP
MACE

 

A study of the organization chart presented in my last blog shows
that Obamacare will be an unworkable mess. 


The health insurance exchanges look like they
are going to make healthcare more expensive because of 20,000 new
regulations.  Employers are looking for
ways to avoid Obamacare and get out of the healthcare coverage business.

Employers
are realizing they can avoid certain penalties under Obamacare by offering very
limited plans that lack key benefits which satisfy the true definition of
healthcare insurance. 

Benefits
advisers and insurance brokers are increasing their commissions by offering low
benefit plans that cover minimum benefits such as preventive services. The
healthcare plans provide just enough minimum benefit requirements to avoid Obamacare’s
penalty. If an employee wants real coverage he is on his own.

Obamacare’s
promise was that healthcare insurance coverage would broadly enrich at lower
affordable costs.   

Federal
officials say these limited benefits plans, in concept, would appear to qualify
as acceptable minimum coverage under the law, and let most employers avoid an
across-the-workforce $2,000-per-worker penalty for firms that offer nothing.

 It is unclear how many employers will adopt the strategy this year.
There are dozens of brokers and benefit administrators discussing this strategy
with their clients. I bet many will adopt this strategy.

"There
had to be a way out"
of the penalty for employers with low-wage workers,
said Todd Dorton, a consultant and broker for Gallagher Benefit Services Inc.,
a unit of 
Arthur J. Gallagher AJG -0.44% &
Co., who has enrolled several employers in the limited plans.”

Obamacare
requires employers with 50 or more workers to offer coverage to their workers
or pay a 2,000 per worker penalty.

The
employers and benefits experts initially thought the rules required robust
insurance with a long list of  "essential" benefits.

Federal
officials confirm the mandates affect only plans sponsored by insurers” that are sold to small businesses and
individuals.

Healthcare
insurance “sponsored by insurers”
that are sold to small businesses and individuals affect only about 30 million
of the more than 160 million people with private insurance.

Employers
provide these “insurer sponsored plans”
to 19 million out of the 30 million people. These plans are going to disappear.

 Some benefits advisers feel they face
regulatory uncertainty. New regulation can cancel older regulations. These
advisors say they would adjust to new regulations as regulators clarify the
law.

According
to Obamacare, regulations written by the multiple new agencies, larger
employers with more than 50 workers only have to provide preventive services,
without a lifetime or annual dollar-value limit, in order to avoid the
across-the-workforce penalty.

Such policies would generally cost far
less to provide to employees than paying the penalty or providing more
comprehensive benefits.  

Most low-benefit plans would cost
employers between $40 and $100 monthly per employee, according to benefit
firms' estimates.

These
plans essentially provide no insurance for healthcare problems if someone needs
insurance. The financial burden falls directly on the consumer.

Obama
administration officials confirmed in interviews that the low benefit plans
would be sufficient to avoid the across-the-workforce penalty.

Several
Obama administration officials expressed surprise that employers would consider
the low benefit approach.

"We
wouldn't have anticipated that there'd be demand for these types of band-aid
plans in 2014," said Robert Kocher, a former White House health adviser
who helped shepherd the law. "Our expectation was that employers would
offer high quality insurance."

 Another trick benefit managers are offering
small employers in order for them to avoid higher costs of premiums due to
compliance with some of the provisions in Obamacare is early yearly renewal of
preexisting healthcare coverage. UnitedHealth, Aetna and Humana are offering
small companies this option. The savings is significant.

Self-insured
companies face fewer changes under Obamacare. Many small companies are now switching
to self-insurance. Large corporations have been self-insured for years.

I
have previously discussed the large trend to hire only part time employees to
avoid the penalty as well as the requirement to provide insurance.

Many
employers are trying to get out of providing healthcare insurance to employees.
Employers fear they will be penalized by the Obama administration at a later
time. The administration is constantly changing regulations. This has lead to
tremendous uncertainty.

Some
Obama administration regulators worry that some of these strategies will be
widely adopted. If this happens it could decrease the effectiveness of
Obamacare’s online health-insurance exchanges.

Only
older and sicker workers, who need real healthcare insurance coverage will opt
out of low benefit employer coverage and join the health insurance exchanges.

The
premium cost for good coverage in Obamacare’s health insurance exchanges is
high already. The adverse selection will drive these costs even higher.

The
whole idea behind Obamacare’s health insurance exchanges is to force healthy
people to pay for the resources used by sick people. (“Redistribution of
wealth”)

The
Obama administration refuses to believe options to avoid Obamacare will be a
widespread trend.

How
come? Didn’t congress exempt itself from Obamacare?

"Any
activities that take place on the margins by a small number of employers would
not have a significant impact on the small group or the individual
market," said Mike Hash, director of the department's Office of Health
Reform.”

These
new plans are a substitute for the Obamacare exempt Minimed plans. Companies
that provided Minimed plans received over 13,000 waivers for Obamacare until
January 2014. Companies such as McDonald and Burger King provided Minimed Plans
to employees.  

All
of these twists and turns make Obamacare look like it is unworkable. It is!

President
Obama’s goal is to create more chaos and dysfunction in the healthcare system.

Only
then can the government really step in and say let me help you.

Then
the government can provide a single party payer system and complete the journey
to socialized medicine.

Based
on past experience in many other countries, the result will be skyrocketing costs
and increased deficits. 

Americans
have a lot to look forward to. The only was out is to repeal Obamacare and
replace it with a consumer driven healthcare system.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

President Obama Should Listen To Physicians

Stanley Feld M.D.,FACP,MACE

President
Obama keeps saying over and over that Republicans do
not have any good health care reform solutions.

Republican
don’t have an agenda to provide health insurance to people at affordable
rates.”

It all depends
on the definition of a good idea. Is it one that will work or one that will
fail? A good idea is it one that agrees with President Obama’s agenda. If it
doesn’t agree with his agenda it is a bad idea.

By President
Obama and Harry Reid own admission they believe Obamacare is a good step toward
a single party payer. They believe Obamacare will fail.

Any idea that
interferes with President Obama’s is defined as a bad idea.

The Republicans
and thoughtful people with actual healthcare experience have plenty of good
ideas. They do not agree with President Obama’s agenda.

 

http://youtu.be/4-lnzEwt3HM

This program containing Republican ideas three years ago had only 807 views on You Tube.

Congress voted for the
law (only Democrats voted for the law). They have now exempted themselves from
the law because they realize it is a bad law. It looks as if Obamacare will be
a train wreck.

Image1
Image1

Perhaps that is where
President Obama wants it to end.

 

 As each day
passes Obamacare looks like it will be a very expensive train wreck.

 Physicians are tired of being blamed for the rising
healthcare costs. They are starting to realize that they have to take action to
preserve their professional integrity.

In fact, in a recent study by the Physicians Foundation, six
out of ten physicians said they would quit medicine.

Most physicians love practicing medicine but cannot
understand the unbelievably wrong direction President Obama is taking to reform
the healthcare system.

 Many physicians
are looking for viable exit strategies to avoid quitting.

The
Physicians Foundation commissioned an extensive survey of
nearly 13,575 physicians. Meritt Hawkins, the physician search and consulting
firm, conducted the survey.

 
“The survey found
that 
60% of physicians would
retire today
, if given the
opportunity—an increase from 45% in 2008. And it's not just disgruntled and
tired Baby Boomers who want to abandon their healing work. At least 47% of
physicians under 40 also said they would retire today, if given the
opportunity.”

The
survey pointed out many major problem areas.

Two specific issues consistently agreed on by physicians
were malpractice concerns and the need for tort reform as well as the lack of
cohesive leadership among all physician groups to represent the vested
interests of physicians and their patients.

This survey is an excellent and detailed survey that has
heightened the awareness of physicians’ practice problems.

The Massachusetts Medical Society survey pointed out the
scope of defensive medicine. I extrapolated findings of the society’s survey to
the nation.

My conclusion was that $500 billion to $700 billion
dollars a year is spent on defensive medicine testing. Tort reform would
decrease the cost incurred by defensive medicine over testing.

The Mass Medical Society survey demonstrated that
physicians are frightened by the multidimensional stress of malpractice suits.
Physicians will do as much testing as necessary to avoid a malpractice suit for
missing a diagnosis. Most physicians do not experience financial gain in over
testing. The hospital system does.

President Obama and his advisors have ignored tort reform
and defensive medicine as an insignificant cost. Ezekiel Emanuel M.D. one of
President Obama’s advisors thinks defensive medicine only raises the cost of
the healthcare system between $2 to $3 billion dollars a year. This is a
misguided bias.

The Physician Foundation survey notes that many policy
makers, academics, and others identify fee-for-service reimbursement as a key
driver of health care costs. Physicians believe that "defensive
medicine is a far more important cost driver."

 
Forty
percent (40%) of the physicians surveyed said "liability/defensive
medicine pressures" was the least satisfying aspect of medical practice.

 Sixty nine percent
(69%) of physicians said defensive medicine is the "number one ranked
factor" driving up healthcare costs. The survey described the ordering of
tests, prescribing of drugs, and conducting of procedures done "partly or
solely to drive a wedge against potential malpractice lawsuits."  

"Medical
malpractice lawsuits are common, adding an additional layer of paperwork,
expense, and stress in virtually every physician's work day," the report
adds
.

The government ought to be listening to physicians practicing medicine every
day rather than ivory tower professors who have never practiced medicine a day
in their lives.

"Physicians
understand to some degree that's the cost of doing business, but the defensive
medicine goes deeper than that, in the ordering of extra tests, doing the extra
procedures, and extra scans to protect [oneself] against a malpractice suit.”

Medical malpractice is at the heart of overspending in
American healthcare. President Obama and Obamacare have ignored it. Some states
have addressed it and the cost of care has been decreasing slowly. I believe it
will take time in those states.  If
anyone is sincere about bending the healthcare cost curve they have to take
defensive medicine seriously. 

According to the survey physicians
felt that there is a lack of a forceful cohesive voice representing them.

"There
is a systematic, endemic series of problems," Ray says. "Everywhere there
is defensive medicine, regulation issues, reimbursement issues. We are all in
the same boat. But physician representation is balkanized. There is not a
national organization that represents a majority of physicians."

When the survey asked which best describes
their feelings about the current state of the medical profession, only 3.9
percent of physicians used the words “very positive,” while 23.4 percent of
physicians indicated their feelings are “very negative.”

The majority of physicians – 68.2 percent —
described their feelings as either somewhat negative” or “very negative,” while
only 31.8 percent of physicians’, described their feelings as “somewhat positive”
or “very positive”.

A "least satisfying" aspect of
practicing medicine included dealing with Medicare/Medicaid/government
regulations (27.4%) and reimbursement issues (27.3%).

The American Medical Association (AMA)
represents only 15% of physicians, according to the Physician Foundation report. One of the reasons for the low enrollment is that physicians feel the
AMA does not represent their vested interests.

 Sermo is another physician organization. It is an Internet social
network. In less than 2 years Sermo had as many members as the AMA.

Sermo originally concentrated on
socioeconomic issues. It also discussed difficult clinical cases. 

The socioeconomic activity has recently
faded. Sermo’s power was using the social network to do instant surveys of physicians’
opinions on healthcare policy and patient care hassles.

These surveys were quickly disseminated to
the public as media stories of physicians’ opinions. It was done through public
service announcements and daily press releases.

Physicians were able to let the public know
how they felt about an issue instantly. It was very attractive. Somehow the
initial vigor stalled. Physicians are now left without a vehicle or organization
to express their feelings.

Government, the healthcare insurance industry
and the hospital systems have little desire to listen to the concerns of
practicing physicians. It is more important for these stakeholders to control
physicians. It will not work long term.

The Physicians Foundation Biennial Survey is
valid and accurate. However it is not dynamic or evolving. Neither the PFB
survey of the Sermo survey have gotten the attention they deserve.

Both are must reads along with the
Massachusetts Medical Society survey for those interested in physician concerns
and behavior.

Patients’ problems with the healthcare system
get less attention. The government and insurance companies tell patients what
they can and cannot do.

Repair of the healthcare system will only
happen when the American healthcare system evolves to a consumer driven
healthcare system with individual responsibility and patient control of their
healthcare dollars.

The reality is that health care should be as decentralized and regulated as close
to the people as possible, not run by Washington mandates.

This concept
opposes President Obama’s agenda.  

President
Obama has the power of the pulpit and has the gift of misdirection.

The
healthcare system is going to fail unless the public wakes up to the facts.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

Are The Unintended Consequence’s Of Obamacare Unintended?

Stanley Feld M.D.,FACP,MACE
 

It is hard to tell whether the unintended
consequences were really intended consequences on the way to destroying the
healthcare system.

Harry Reid and the President have already
admitted that Obamacare is a good first step on the way to a government
controlled single party payer system.

There are several problems with a single
party payer system,

  1. The
    government cannot afford it.
  2. The
    government cannot run it. It will have to hire the healthcare insurance
    industry to administer it. It costs the government 40% of the healthcare
    dollars to have the healthcare insurance industry provide administrative
    services for Medicare and Medicaid presently.
  3. Providers
    will not have incentive to produce. Reimbursement will be low and salaries will
    be low.

Normally if one works for a company, the
company provides healthcare insurance to the family. When Obamacare raised the
mandate limit forcing employers to provide healthcare insurance for employees’
children living at home to 26 years old, companies have been trying to figure
out how to avoid paying the increased premium cost of healthcare insurance.

Most companies have reduced or are reducing
employment to less than 30 hours to avoid the penalty for not providing
healthcare insurance.

Many companies have applied for wavers.
These companies will get waivers if they are the Obama administration’s
friends. Congress got a waiver.

U.P.S. announced it would discontinue
Health Benefits
for spouses of some workers. U.P.S. joins the list of other
companies doing the same thing. These include large employers like Xerox and Teva Pharmaceuticals. They
have chosen to impose surcharges on employees for spousal coverage.

Cities like Terre Haute,
Ind., are adopting a spousal carve-out so that working spouses would not be
covered under its health plans even if the healthcare insurance plan of the
spouse’s company is worse than Terra Haute’s healthcare insurance plan.

The University of Virginia
has just announced a similar spousal carve out. It is rumored that the state of
Virginia is next.

“UVA said
this is only one of many “major changes” coming to their health plans a
s a
result of ObamaCare. The university says the changes are necessary because the
law is projected to add $7.3 million to the cost of the university’s health
plan in 2014 alone.”

Isn’t Obamacare called the
Affordable Care Act?
In truth it is not. It will drive these spouses into a
health insurance exchange.

 “U.P.S. said, “Limiting plan eligibility is
one way to manage ongoing health care costs, now and into the future, so that
we can continue to provide affordable coverage for our employees.”

 — U.P.S. told employees, “Since the Affordable
Care Act requires employers to provide affordable coverage, we believe your
spouse should be covered by their own employer — just as U.P.S. has a
responsibility to offer coverage to you, our employee.”

Delta Airlines announced
that someone
leaked a letter from Delta Air Lines to the Obama administration.

The
letter stated that the “cost of providing health care to our employees will
increase by nearly $100,000,000 next year.” The letter also states that much of
the increase is due to Obamacare.

It means the airline tickets are going to increase in
price. This will become a burden on businesses who depend on flying to do
business. In turn, products these companies produce will increase in price.  

The ordinary consumer will also be affected by rising
airline ticket prices.

U.P.S. said, “Limiting plan
eligibility is one way to manage ongoing health care costs
, now and into the
future, so that we can continue to provide affordable coverage for our
employees.”

U.P.S. estimates they cover
33,000 spouses. Fifteen thousand (15,000) spouses can get coverage through
their own employers. It should be added that they can get insurance until the companies
of these15,000 spouses drop their own healthcare coverage.

 If U.P.S
cannot lower insurance costs, they will raise shipping prices. Once again the middle
class is the victim. Another option is to drop healthcare insurance for all
employees and let them participate in the health insurance exchanges.

 Companies providing executive insurance
of $27,500 or more for employee family coverage or $10,200 for individual
coverage (Cadillac plans) will have to pay an additional 40% Obamacare tax in
2018.

This Cadillac plan tax is
something many companies are thinking about and making plans to discontinue in
the future.

The whole thing stinks.

It might not be an
unintended consequence. It might be an intended consequence.

 It might be exactly what President Obama wants
to drive as many people as possible into his health insurance exchanges.

His excuse for the increased
costs is that the American people cannot refuse to pay for something they have
obligated themselves to pay. In reality they have been deceived. They have been
tricked, forced and deceived into this obligation.

The Obama
administration is building a detective squad to target and penalize consumers and
companies that don't follow Obamacare's rules.

 The
Department of Health and Human Services has hired 1,814 criminal investigators.
On the day President Obama signed the Affordable Care Act into law in 2010, HHS received authority
to hire 1,814 investigators to
sleuth out violations of the law.

Congressmen who supported Obamacare find this new police force
confusing.

“HHS received authority from the Office of Personnel Management
(OPM) to make as many as 1,814 new hires under an emergency 'Direct Hiring
Authority' order.”

 The Obama administration ordered that employment expansion despite
a government-wide hiring freeze that is in place.

Why doesn’t President Obama
listen to the will of the people?

Everyone is against it. Everyone
has to be more vocal. Everyone has to vote these people out of power.

Otherwise we are on the Road
to Serfdom.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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