Tag Archives: responsibilities

A New Insurance Plan

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Idaho has one.  Blue Cross of Idaho says it’s going to take advantage of newly issued State regulations to start marketing a plan that won’t meet Obamacare requirements, and they’re going to sell the plan alongside its existing Obamacare-compliant plans.

The Idaho Department of Insurance last month became the first state regulator to say it would let insurers begin offering “state-based plans” for consumers that involved practices generally banned for individual insurance under the ACA, including tying premium rates to enrollees’ pre-existing health conditions.

In particular,

The new Blue Cross state plans’ premiums would vary based on an enrollee’s health status—for instance, for one of its new plans, the insurer suggested that the best rate for a healthy 45-year-old could be around $194.67 a month, while a person of the same age with worse health could pay as much as $525.69. For one of its “bronze”-level ACA plans, the premium for a 45-year-old, regardless of health history, would typically be around $343.09, the insurer said.

Risk-based premiums.  What a concept.  And lower risk brings a premium roughly half the Obamacare risk-be-damned charge.

Welfare Reform: MIA

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Senate Republicans and Progressive-Democrats agreed in principle to a two-year budget deal that sets outer bounds on spending allocations that are yet to be debated and passed in the two Houses.  The deal increases defense spending by $165 billion over the next two years, and it increases domestic spending by $131 billion over those two years.

But at what price?

One price is the potential for a return to $1 trillion deficits.  To an extent, that’ll be reduced by a growing economy as the tax reform law begins to take effect.

The larger price, though, by far, is the lack movement on the big three budget failures: Social Security, Medicare, and Medicaid transfers.  These remain not on any track toward privatization, or with that last item, not on any track toward reducing to zero transfers.

In 2016, the Federal government spent almost $950 billion on Social Security payments and a bit over $590 billion on Medicare.  Federal Medicaid transfers to the States in 2016 ran some $325 billion.

Fixing those would be produce a large reduction in deficits to the point of budget surpluses, which could be used to run down our national debt.  And the fixing would produce a large return to the personal responsibility that has contributed so strongly to our nation’s greatness and prosperity.

A New Welfare Trap

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This one is in the offing at the State level, and comes as a result of the punitive tax for not buying health coverage was repealed last December.

At least nine states are considering their own versions of a requirement that residents must have health insurance….

And

Maryland lawmakers are pursuing a plan to replace the ACA mandate, which requires most people to pay a penalty if they don’t have coverage. California, Connecticut, Hawaii, Minnesota, New Jersey, Rhode Island, Vermont, and Washington, as well as the District of Columbia, are publicly considering similar ideas.

Notice that.  These are Progressive-Democrat-run states.

The less well off who couldn’t afford either the penalty or the remaining costs—high deductibles, low per centage of plan provider payments even after “coverage” kicked in—under Obamacare still won’t be able to afford mandated coverage in these States.

Beyond that, they won’t be able to leave the State and relocate to one that doesn’t inflict these costs.  Their already limited economic resources are a barrier to such relocation.  Added to that, though, will be the lack of portability of the mandated coverage plans: having been dragooned into one by, say California or DC, they won’t be able to take it with them, even to Connecticut or Minnesota.  Or to a State that doesn’t require them to buy something they don’t want.

Progressive-Democrats really are that desperate to keep their welfare “recipients” trapped in welfare cages. Aside from that bit of self-serving…nonsense…the move also demonstrates the Progressive-Democrats’ utter contempt for us Americans.  We are, their behavior and policies say, just too mind-numbingly stupid to be entrusted with our own choices.  We have to be led by our Betters, forced for our own good, to do certain things.

Working for a Living

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Indiana has joined Kentucky in getting approval to add a work requirement to its Medicaid program (separately: Federal approval should not be a requirement; the program should be a State-run and -funded program only).

Of course, there are objections.

Democrats and consumer groups are decrying the GOP push, saying it is antithetical to Medicaid’s goal of expanding health care.

That’s plainly not true, though (I’ll ignore the conflation of health care with health care coverage).  The push is exactly what’s needed to make health care coverage available to all who want it.  The plan, even as minimal as this one is (the work-related requirement would apply only to a small segment of Indiana’s Medicaid enrollees), will facilitate availability, not limit it.  By making it possible for folks to get off this welfare program and into jobs that can enable them to buy their own coverage—if they want it—it will allow the State’s Medicaid dollars be committed to those who truly need Medicaid because they’re too old, too young, and/or too infirm to get desired coverage on their own.

A Thought on American Women’s Gymnastics

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Unless you’ve been vacationing unplugged under a rock for the last several months, you’re aware of the atrocities committed by Larry Nassar, the ex-pseudo-doctor for the US’ women’s gymnastics team.  Now we find out that

The US Olympic Committee didn’t intervene in USA Gymnastics’ handling of sexual-abuse allegations against longtime national-team doctor Larry Nassar in 2015, even after USA Gymnastics’ then-president told two top USOC executives that an internal investigation had uncovered possible criminal behavior by the doctor against Olympic athletes.

And pursuant to a lawsuit,

the organization [USOC] said it was “first made aware of the possibility that a USA Gymnastics physician had sexually abused USA Gymnastics athletes in the summer of 2015, when we were informed by USA Gymnastics.”

Gymnastics is a physically dangerous and mentally stressful sport, as are most competitive sports.  Our women, and our girls, who participate in this game don’t need the added stress, much less the added damage, of sexual misbehaviors, sexual harassment, sexual assault inflicted on them by those placed in positions of power or authority over them—trainers, coaches, doctors, anyone.

I think it has become necessary to shut down women’s gymnastics as a formal sport in the US for a significant period of time, perhaps 2-5 years.  The time is necessary to completely revamp the sport and purge the criminals and the merely misbehaving personnel, folks like the imitation doctor Nassar, just convicted of harassments and of assaults against our girls; folks like the Karolyis, whose “training” techniques at best don’t align with American values; others who mistreat our girl and woman athletes while pretending merely to “toughen up the buttercups” or who get their jollies from molestations.

USA Gymnastics and the women’s side of the United States Olympic Committee must cease to exist.  When the time comes, replacements for USAG and that portion of USOC must be created from the ground up.  Anyone associated with USAG and USOC and anyone associated with those personnel out to and including the second degree of association must be banned from participation also.

Full stop.

One more item: the boys and men’s side of this needs a full, deep, and independent investigation, too, on general principles.  What deeply nefarious affairs are going on there that we don’t know about?  Hopefully none, but it’s time to look closely.