Mr. Obama oversold Obamacare 4

By Tom Quiner

My wife and I own a small business. We carry a high-deductible health-savings account (HSA). To hold down the price of premiums, we essentially pay the first $5000 of our medical expenses.

I just got word that our premiums are going up another $600 this year on top of the $700 spike last year.

I’m paying $1300 more a year for health insurance since the Democratically-controlled Congress passed Obamacare.

Candidate Obama promised he would lower annual family health insurance premiums by $2500 by the end of his first term.

He hasn’t.

In fact, annual premiums have increased $2200 since he became president according to the Kaiser Family Foundation.

I guess I should consider myself lucky. My premiums haven’t gone up as much as most, but that is become I essentially self-insure my first $5000 of coverage.

Why did Mr. Obama push so hard to pass what turned out to be the signature, if dubious, accomplishment of his presidency?

In addition to his claim that he would lower our premiums, he said the program would save the taxpayers money. The  Democratic Triumvirate of Obama/Reid/Pelosi cooked the books when they presented their plan to the Congressional Budget Office (CBO) for financial scrutiny.

Based on assumptions they were compelled to accept, the CBO said Obamacare would reduce the federal deficit by $143 billion in the first ten years.

Speaker Nancy Pelosi said we would have to read the 2000 + page document to learn what was in it.

As the bill was scrutinized after the fact, the truth came out. Obamacare is a sham.

Team Obama acknowledged that long term care component of the bill, called the Class Act, was financially unfeasible. They pulled it.

In his 2013 budget, Mr. Obama inserted an extra $111 billion in spending to help subsidize the law’s health insurance exchanges. So the price tag for the entire Obamacare boondoggle has just about doubled from what they promised it would cost. And what was that?

$940 billion over the decade.

And what does the CBO tell us it is going to cost us now that they’ve read what it really says?

$1.76 trillion (this is the current number, but it keeps getting revised upward).

Watch the video above from American Doctors 4 Truth for an entertaining explanation of the problems of Obamacare.

It gets worse. Mr. Obama said we could keep our existing policy if we preferred. It’s not working out that way. Companies are pulling out of the health insurance business because Obamacare limits how much profit they can make. Even more, a study by McKinsey & Co. last year reveals that up to half of employers plan to stop offering health insurance once Obamacare is fully implemented.

Key promises of Obamacare have been broken.

In light of the impending fiscal carnage of this bill; in light of the overwhelming unpopularity of the bill; in light of the infringement on our religious liberties imposed by this bill, there is but one logical action: repeal it.

Let’s start over and craft a bi-partisan, market-driven piece of legislation.

Obamacare has already failed.

It’s all about freedom. 9

By Tom Quiner

The president, his party, liberal pressure groups, and their allies in the mainstream media (MSM) are hammering on the theme that the Obama Mandate is all about women’s reproductive health.

They know it’s not.

You know it’s not.

Everyone knows it’s not when you get free contraception by walking into Planned Parenthood, or even to many community action agencies.

The issue is about freedom. Rick Santorum has been eloquent in his defense of our religious freedom.

Barack Obama wants to take it away.

You may agree with Mr. Obama’s social policies. You may like Obamacare. You may like his foreign policy. You may like the way Bin Laden was killed on his watch.

Fine. But it doesn’t mean anything if we are forced to give up the most precious right enshrined in the Bill of Rights, freedom of religion.

It’s not a gift. It’s a right, the first right mentioned in the Bill of Rights.

I don’t care if you’re an atheist, no one can take away our religion freedom, no one. That is what the president and his party have put into action with the  Obama Mandate.

I call on the president to waive the one year phase-in period and begin enforcing the Obama Mandate now.

Let the American people watch charitable institutions like Catholic Charities go bankrupt.

Let the American people see bishops carted off to jail.

Let the American people see the carnage caused by the man with the Napoleonic complex sitting in the White House.

Let them see all of this before they cast their vote this November.

The stakes are higher than they have ever been. I know there are folks with fuzzy religious values who are scratching their heads wondering why so many of the faithful like me are worked up about all of this. So let’s enforce the Obama Mandate now to crystalize the reality.

Let the Catholic hospitals expel their non-Catholic patients. Let the Catholic hospitals and schools fire all of their non-Catholic employees, for that is the only way they can avoid violating their religious convictions according to the narrow exemptions imposed by Barack Obama.

Their only other options are to be fined, go bankrupt, or close.

The Obama Mandate has nothing to do with women’s reproductive health. That’s a con.

It’s all about freedom.

Romney is willing to retain parts of Obamacare Reply

By Tom Quiner

Mitt Romney appreciates aspects of Obamacare.

This is understandable. After all, President Obama, Nancy Pelosi, and Harry Reid modeled Obamacare after Romneycare health insurance legislation enacted in Massachusetts when Mitt Romney was governor.

Mr. Romney said his legislation provided consumers with “incentives” to purchase health insurance. This is a nicer word than mandate. Let us be crystal clear with Romneycare and Obamacare: if someone doesn’t buy health insurance, they can be fined and eventually imprisoned if they don’t pay their fine.

The president agrees with Romney’s basic philosophy.

Mr. Romney, however, rejects the mandate at the national level and would try to undue that aspect of Obamacare.

Let’s look at what’s happened to the health insurance market in Massachusetts with the enactment of Romneycare. Since the passage of this legislation in 2006, 412,000 new people have become insured, but only 7000 of them at unsubsidized rates. Tax payers are paying for chunks of the premiums for the rest of the new folks now being covered.

Mr. Romney says his plan helped to keep rates down. Really? Rates have increased dramatically since Romneycare passed. Today, Massachusetts has the most expensive health insurance premiums in the country, double the national average.

It’s much the same with Obamacare. The Kaiser Foundation examined the early impact of Obamacare on health insurance. Rates went up 9% last year, triple the rate increase of the previous year. They attribute 2% of the increase directly to Obamacare.

The president promised Obamacare would increase our choices. The exact opposite has happened as many companies have exited the business because of lack of profitability under more onerous government regulation.

Obamacare has reduced one of the best ways to reduce health care costs: health savings accounts. His party cut the deduction in half for these cost-effective plans. Now new Health and Human Service guidelines threaten to completely gut the plans, affecting 10 million Americans, including me.

In 2014, Obamacare fully kicks in, requiring us to buy government-designed plans whether we need, or want, the type of coverage offered.

Romneycare and Obamacare share some common aspects: more expensive coverage for consumers, less choice.

I have a concern with Mitt Romney. He really doesn’t have a problem with much of Obamacare, only some of it. In his own words: “I hope we’re ultimately able to eliminate some of the differences, and repeal the bad and keep the good.”

He wants to tinker around the edges.

I suggest the better approach is to cancel Obamacare and start over with market-driven solutions.


Why high unemployment is here to stay Reply

By Tom Quiner

In a typical economic recovery, the economy starts growing and eventually job creation follows suit.

I’m not overly optimistic about the likelihood of a robust surge in job creation because of Obamacare.

Let’s say you’re a small business owner with 47 employees. Obamacare creates a disincentive to add new employees, because once you hit 50 employees, you must provide health insurance or face stiff fines.

In other words, Obamacare increases the cost (and risk) of expansion.

The President is now telling health insurance companies how much profit they can earn, something marketplaces used to do with the oversight of state insurance commissioners. So what’s wrong with that? For one, it’s none of the federal government’s business. For another, insurance companies will be forced to cut benefits and even abandon unprofitable states. Consumers will have fewer choices, which leads to higher costs for employers to insure their employees.

What a job killer!

Obamacare has created tremendous uncertainty with employers. Uncertainty is the ultimate kiss of death for job growth.

Obamacare is poison to anyone looking for a job or fearful of losing their job.

More fallout from Obamacare 3

By Tom Quiner

“When people better understand the Affordable Care Act, they’ll understand, I think, that this isn’t something being done to them but is something that’s really going to be valuable to them.’’

This was the President’s recent defense of the Affordable Care Act, also know as ObamaCare.

The law mandates elimination of lifetime coverage limits.  Sounds good, right?

The law mandates “free” immunization for children. Sounds good, right?

The law eliminates co-pays for mammograms and some preventative care. Sounds good, right?

The law bars insurers from denying coverage to children with pre-existing conditions. It all sounds wonderful, right?

What the law does is increase the price of health insurance. Does it still sound so good? Aetna and Regency Blue Cross Blue Shield are jacking up rates due to increased costs. Here in Des Moines, Principal is getting out of the entire health insurance business because, according to the New York Times:

“The company’s decision reflected its assessment of its ability to compete in the environment created by the new law. More insurers are likely to follow Principal’s lead.’’

Over six-hundred more jobs will be lost in a city already stung by layoffs.

Speaker Pelosi infamously stated that “We have to pass the bill so that you can find out what is in it.’’

As we find out what’s in it, we’re increasingly stung by how bad it is.

Please remember, this was a totally partisan bill. Not a single Republican voted for it.

Please remember, Democrats celebrated when they passed Obamacare.

Please remember, that Iowa’s own Leonard Boswell voted for the bill.

Now Congressman Boswell makes unsavory personal attacks on his rival, Brad Zaun, who would have voted against the bill.

Now the only Democrats who mention the bill in their campaign ads are those who voted against it. South Dakota Congressional candidate, Stephanie Herseth Sandlin, sounds more like a Republican than a Democrat in her ad above. Look hard for her party affiliation. You won’t find it.

President Obama and his party have inflicted a grave wound on this country’s health care system. It all sounded so good at the time.