We know you want Obama to be an honest man, but he is not. He has no more integrity than Al Sharpton or Jeremiah Wright or Bill Ayers or Eric Holder or Annita Dunn or Van Jones or Cass Sunstein or Rev. Jim Wallace or Andy Sterns or Joe Biden or Nancy Pelosi or Harry Reid or Bart Stupak or Saul Alinsky or Stokely Carmichael or Professor Gates or Jesse Jackson or Chuckie Schumer or Karl Marx or Mao Tse Tong Hugo Chavz or Fidel Castro or any member in the Progressive Black Caucus Barbara Boxer or the dead John Murtha or Dick Durban or the drunk and dead Ted Kennedy or . . . . . . ah, I could run out of ink if I kept this up. It would be easy to do -- jds.
20 Ways ObamaCare Will Take Away Our Freedoms
Of course, the bill is supposed to provide us with security. But it will result in skyrocketing insurance costs and physicians leaving the field in droves, making it harder to afford and find medical care. We may be about to live Benjamin Franklin's adage, "People willing to trade their freedom for temporary security deserve neither and will lose both."
The sections described below are taken from HR 3590 as agreed to by the Senate and from the reconciliation bill as displayed by the Rules Committee.
1. You are young and don't want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the "privilege." (Section 1501). But Hey !!, it's the fine or $3,500 for insurance. Your choice you poor Obama voting slub - jds.
2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You'll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That's because insurance companies will no longer be able to underwrite on the basis of a person's health status. (Section 2701). Yeah, remember the good old days when insurance companies asked it you were a smoker or a drinker or whatever. Now, that doesn't matter -- jds.
3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711). Don't you know that limits were allowed, insurance companies would save money and pass those savings on to you? Is it possible that this ObamaCare thing is not that good of a deal ?? -- jds.
4. Think you'd like a policy that is cheaper because it doesn't cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that's what the customer wants. (Section 2712). Remember, children, preventative care is "free" under Obama -- except for those increased premiums. What !! Are you nuts !!?? Nothing is free, but maybe your economics prof isn't teaching that anymore? -- jds.
5. You are an employer and you would like to offer coverage that doesn't allow your employees' slacker children to stay on the policy until age 26? Tough. (Section 2714). A little double dip, here. All 26 year olds and younger are treated as if they are at home, for insurance pricing purposes only. And if they are not at home and choose to buy their own government controlled insurance ? Well, that coverage is paid for twice -- jds.
6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care. You're a single guy without children? Tough, your policy must cover pediatric services. You're a woman who can't have children? Tough, your policy must cover maternity services. You're a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302). Soooo, maybe this is not cheaper for everyone? You think ??!! - jds.
7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a "Bronze plan," which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d)(1)(A))
8. You are an employer in the small-group insurance market and you'd like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A). Huh ??!! A $ 2,000 deductible !! OF COURSE insureance is cheaper if the deductible takes off your left leg !! - jds.
9. If you are a large employer (defined as at least 50 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).
10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can't do that. (Section 9005 (i)).
11. If you are a physician and you don't want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It's not like the government will ever use it to intervene in your practice and patients' care. Of course not. (Section 3003 (i)) Already, some hospitals are preparing to refuse private insurance because of this portion of the reform act --- jds.
12. If you are a physician and you want to own your own hospital, you must be an owner and have a "Medicare provider agreement" by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn't have those by then, you are out of luck. (Section 6001 (i) (1) (A)). But this is only true if you plan on accepting Medicare or the government's version of private insurance ---- jds.
13. If you are a physician owner and you want to expand your hospital? Well, you can't (Section 6001 (i) (1) (B). Unless, it is located in a country where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)). -- again, this only applies if you or your hospital remain in the system. There are hospitals currently devising plans that offer member services for set fees as they move to opt out of the government plan -- jds.
Think this is not about the total take over of the health insurance industry? Still think the "public option" was excluded from the bill? Read on.
14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed "unreasonable" by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)
15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).
16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).
The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).
17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)
18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).
19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).
That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).
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