Blinder Strikes Again

Professor Alan Blinder (Economics and Public Affairs, Princeton University) opened his Wall Street Journal op-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.

But from here, as is usual with Blinder, it’s all downhill.  First is his typically Progressive dishonesty in his characterization of those who oppose Obamacare:

…the enemies of health-care reform are telling [Americans] that ObamaCare is a failure.

Of course, because Obamacare is the only way to reform the health insurance industry (which Blinder also dishonestly conflates with health care).  It couldn’t possibly be that there are other ways to achieve reform, like the half-dozen, or so, House offerings that reform through patient-centric—that is to say, individual American-centric—market solutions.  No, Progressives know that Americans are too stupid to make their own decisions.

Then he gets to his point:

The three central elements of ObamaCare are insurance reform, getting (most of) the uninsured covered, and containing the upward spiral in medical-care costs.  Each remains in place.

He sees this as a plus, not the failure that it is.  Sad.  In turn:

There is no insurance reform, only the destruction (leaving aside its nationalization) of the insurance industry.  The price of an “insurance” policy now is completely divorced form the risk being “insured.”  The young are being required to pay inflated prices for policies they do not need, generally do not want, and cannot afford solely and explicitly to pay for the depressed prices the old otherwise would pay.  Single men and empty nesters are being required to purchase prenatal and maternity coverage, children’s dental coverage, even contraceptive coverage (as if this commodity wants “insurance” coverage at all) so that women, in particular, and families generally, who might actually…benefit…from such policies can pay lower rates for them.  The list goes on.  This isn’t insurance, it’s naked wealth redistribution.  Even when there’s no wealth to redistribute.

“Getting most of the uninsured covered?”  That wasn’t the original promise; that started out being “all of the uninsured.”  Whether we wanted the insurance or not.  Aside from that, it’s not even coming close to getting all covered, because of Blinder’s third point:

Costs, of this health welfare program, anyway, are spiraling rapidly out of control.  The premiums available already are well documented to be in the two- and three-digit per centages higher—and that’s just for the premiums.  Deductibles are skyrocketing.  These are costs that have to be paid by the “insuree” before his coverage kicks in.  And it resets every year, while those premiums and the costs of being sick just keep on keepin’ on.

And there’s Blinder’s cynical non sequitur:

Millions of people under the age of 26 are already benefiting by being kept on their parents’ policies.

Yet,

To make universal coverage work, the government needs to bring [young people] into the insurance pool as counterweights to the high-risk people.

Meaning that millions of the young folks Obamacare so desperately needs to buy “insurance” so as to fund artificially low premiums for the rest aren’t buying “insurance;” they’re just jacking up the cost of their parents’ “insurance.”  How does that work, exactly, Alan?  How are these “millions of people under the age of 26” being brought “into the insurance pool as counterweights?”

And his bodice-rending closer:

[T]he status quo ante was so unacceptable.  America cannot be a humane society if we leave 15% of our population uninsured.  America cannot be an efficient society if we spend 50% to 100% more of our incomes on health care than other countries, and yet don’t get better health outcomes.  We can’t let a botched website get in the way of goals that big.

Unfortunately, Progressives like Blinder remain in the way, actively blocking market solutions and individual choice (we’re too stupid to be trusted with our own choices, remember) that actually would bring down the costs of true insurance on the one hand and the costs of health care on the other.  And leave a significant per centage of us without health insurance because that’s our choice.

Lies of my President, Revisited

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:

What the president said and what everybody said all along is that there are going to be changes brought about by the Affordable Care Act to create minimum standards of coverage, minimum services that every insurance plan has to provide.  So it’s true that there are existing healthcare plans on the individual market that don’t meet those minimum standards and therefore do not qualify for the Affordable Care Act.

So it’s “If I like your doctor, you will be able to keep your doctor.  Maybe.  If I like your health care plan, you will be able to keep your health care plan.  Maybe.”

Then he lied with his sham apology:

I am sorry that they, you know, are finding themselves in this situation, based on assurances they got from me.

No apology for either of his prior lies, just regret that all those folks took him at his word.

And Obama thought his lies were funny at the time he made them:

So after I signed the bill, I looked around to see if there any—(laughter)—asteroids falling or—(applause)—some cracks opening up in the Earth.  (Laughter.)  It turned out it was a nice day.  (Laughter.)  Birds were chirping.  Folks were strolling down the Mall.  People still have their doctors.

Five million Americans, and counting don’t have their health care plans, either.

After receiving a letter from her insurer that her plan was being discontinued, Deborah Persico…found a comparable plan on the city’s new health insurance exchange. But her monthly premium, now $297, would be $165 higher, and her maximum out-of-pocket costs would double.

That means she could end up paying at least $5,000 more a year than she does now.

She’s not alone.  In California alone,

Hundreds of thousands…who purchase their own health insurance are bracing to pay more for their plans, as the cost of the federal health care overhaul lands harder on middle-class customers.

The Daily Caller estimates that the total number of Americans about whom Obama is sorry for having believed him will run to 129 million.

Fifty-three Democrats and two Independents in the Senate actively supported Obama in these lies until the cancelations started rolling in.  Now some of those are worried, not about the losses of all these Americans, but about their own political necks.  Two hundred Democrats in the House Actively supported Obama in these lies until the cancelations started rolling in.  Now some of those are worried, not about the losses of all these Americans, but about their own political necks.

And now Obama wants—dishonestly, again—to change the Obamacare law (the law of the land, remember) by Executive Order to force insurance companies to reinstate all those cancelled policies and to extend existing ones.  For a whole year.

Remember that during primary and election season this summer and fall.

Government’s Existence and the Economy

The jobs and GDP reports last week had a couple of interesting tidbits in it, aside from reflecting the continued anemic, below trend recovery in which our economy is mired, courtesy of this administration’s policies.  These reports covered October and the third quarter, respectively.  Now, what momentous things happened that month?  Yes, yes, the ObamaMart rollout, but that’s not what I’m talking about here.  The Democrats’ shutdown of the Federal government happened that month.  Also, the sequester cap on Federal spending continued that month.  Here are some of those tidbits:

  • BLM said private employers added 212,000 jobs on the month
  • [T]he economy grew by 2.8% in the third quarter
  • [G]overnment spending contributed all of 0.04% to that third-quarter GDP

All of this despite that pernicious shutdown and the evil cap on spending.

Government needs to get out of the way.

Who Gets to Decide?

White House Senior Adviser Dan Pfeiffer claimed Sunday on ABC’s This Week that millions of Americans lost insurance their insurance policies because ObamaCare had deemed them inadequate.

[I]f the president were to allow people to have those plans…or insurance companies to keep selling barebones plans…he’d be violating even more important promise to the American people, that everyone would have a guarantee to access of quality…health insurance[.]

Ex-Obama advisor Dr Ezekiel Emanuel (and University of Pennsylvania Vice Provost) said much the same thing on Sunday’s Fox News Sunday.

WALLACE: Dr. Emanuel, simple question—why does Betsy Tadder need you or President Obama telling her what insurance she needs?

EMANUEL: For two reasons: first of all, if she goes in and that insurance doesn’t cover enough…

WALLACE: But she likes her plan.

EMANUEL: But we’re cost shifting.

Plainly our Know Better Progressive Government is the only one qualified to decide.  Not us, not about our insurance, not about our money.

Obamacare and the Sequester

Sequester—that invention of President Barack Obama, with which he intended to extort Republicans and Conservatives into acceding to his taxing, spending, and borrowing economic policy—is starting to cause trouble for Obamacare, now.  The sequester is blocking a set of subsidies that were supposed to help pay deductibles and co-pays under Obamacare.

Amy Payne, writing for The Foundry, quoted Chris Jacobs in The Wall Street Journal on impacts:

There are two possible outcomes.  The first is that individuals who have managed to enroll in subsidized health insurance will find they’ve been misled about their copays and deductibles.  Families who currently think their plan will charge a $20 copayment for doctor visits may instead face a $25 charge when the sequester kicks in.  Individuals who now believe they face maximum out-of-pocket costs of $2,000 may end up paying hundreds more.

Wonderful performance by a President who’s a better policy wonk than his policy staff.