…that’s little talked about. It follows, though, Obamacare’s segmentation of “insurance” coverage into high-payers—the young, who are poor—and the low-payers—the elderly, who are well established—and into metal groups differentiated solely by what per centage of costs will be covered after deductibles have been consumed for the year.
The implication is this, a buried one-liner in a Wall Street Journalarticle:
…the health law bars insurers from taking medical history into account when setting prices.
Imagine that. Underwriters, when designing an “insurance” policy intended to transfer health-related risk, aren’t allowed to incorporate questions of health into their risk assessments.
At least one insurer does, anyway. Wellmark has a series of ads out that will run in Iowa and South Dakota into mid-December. Aside from poking (gentle) fun at ObamaMart’s failure, Wellmark’s link for their site emphasizes the simplicity of non-government alternatives: http://www.wellmark.com/simple/ .
An Obama-administration official announced that the portion of the Healthcare.gov system that would allow users to pay insurance companies with marketplace subsidies will not be available for another two months.
And yet ObamaMart was rolled out 7 weeks ago, knowing this small component wasn’t ready.
A couple of possible outcomes: an insuree might show up at the doctor’s office—or hospital—and discover he owes full freight, even though he’d “successfully” signed up, subsidies and all. Alternatively, an insuree might show up at the doctor’s office—or hospital—and discover he’s not covered at all, yet, even though he’d “successfully” signed up.
It seems, now, that President Barack Obama’s administration knew of the potential for the ObamaMart failure as early as last March (but, no, not Obama himself; he only hears about things from the newspapers, not from anyone in his employ). Then, apparently, they promptly lied about that potential ‘way back then.
Key administration officials at the White House and Department of Health and Human Services received briefings this past spring from McKinsey & Co, a private consulting firm that reviewed more than 200 documents and conducted interviews with HHS staff to identify potential problems before the Oct 1 rollout.
Fox Newsasked, over the weekend, whether ObamaCare can be saved. But the real question is whether it should be—that hasn’t been established, yet.
Indeed, the basic question is whether this country should be providing universal health welfare—which is what Obamacare attempts to do; this law eliminates any insurance aspect from its purported health “insurance” program—at all.
Obamacare, as it stands, is not what Americans want. Poll after poll, across the three years since the law’s enactment, demonstrate this. The law’s internal contradictions, quite apart from its masquerade as insurance, make its efficacy—its very legitimacy—nonexistent.
Professor Alan Blinder (Economics and Public Affairs, Princeton University) opened his Wall Street Journalop-ed, this time, with a correct statement.
But a badly designed website doesn’t signify a badly designed policy. The goals, principles and major design features of the ACA are barely affected by the government’s health-exchange website catastrophe. If you liked the basic ideas before, you still should. If you didn’t, you still shouldn’t.
True enough, the ObamaMart Web site is just the front end of Obamacare (it’s also the back end, handling all of your personal financial and medical history and doing so in an enormously error-prone fashion and so far with no security at all—security has never been seriously tested), it is not Obamacare itself.
President Barack Obama’s “fix” for his disastrous Obamacare and its ObamaMart store was intended to “allow” insurance companies to continue in force existing policies that are noncompliant with his Obamacare law. I’ll leave aside the Constitutional aspects of his letter to states’ insurance commissioners “specifying that current plans sold to existing customers will not be considered out of compliance with the health care law in 2014[,]” even though most are, by Obamacare design, noncompliant.
This administration’s dishonesty vis-à-vis Obamacare and its ObamaMart is very thoroughly so. Lie on your taxes, lie on your ObamaMart-claimed income to get Obamacare subsidies, lie on your insurance application (especially about your smoking) to get lower premiums before you get your subsidy, the list goes on.
It’s an 11 minute video, but it’s well worth the time.
Keep in mind, too, that these are Obamacare Navigators, carefully selected by HHS. The dishonest “advice” of these Navigators is being given in full view of the HHS, plainly, with HHS’ prior knowledge and approval. And the HHS Secretary is President Barack Obama’s immediate subordinate.
Recall President Barack Obama’s original lie, from mid-July 2009:
If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period.
Then, when the insurance cancelation notices went out, and Obamacare “insurance” plans didn’t include our doctors in their networks, he lied about his lie. He had this, for instance, through his Press Secretary Jay Carney:
HealthCare.gov thinks it’s made an improvement: now we can browse—sort of—some notional health “insurance” plans and their notional premiums. The images below (because the technology is smarter than I am, so I can’t meld them into the single image that exists at HealthCare.gov/how-much-will-marketplace-insurance-cost/) show just how meaningless this “improvement” is.
As you can see, the ObamaMart still is withholding any sort of idea of actual costs—explicitly, you don’t get to see deductibles and copays, and you only get to see “premiums” for two age groups—which lump together too many characteristics for these made-up numbers to be taken seriously.