Health Insurance

Health Care Reform: A Dagger in the Heart of America’s Economy

By February 22, 2019 No Comments

Many   are still expressing shock and dismay at the recent Supreme Court ruling in   favor of the Affordable Care Act (aka the healthcare reform law), once   thought to be blatantly unconstitutional by experts and novices alike. In   fact, many still believe that the law is not valid. But more on that later.There   are many ways to address the problem of the nation’s uninsured without the   government taking over one-seventh of the U.S. economy, such as high-risk   pools for those with pre-existing conditions and subsidies or tax credits for   the truly needy. Deregulation to allow health insurance companies to compete   across state lines would be a huge step toward increasing competition and lowering   costs overall.Chief   Justice Roberts, a key Supreme Court appointee by George W. Bush and   considered a solid conservative, found a contorted way to view the government   mandate that all Americans purchase private health insurance as a form of   taxation. The strained logic of his ruling did for the Obama Administration   what they had not been able to do for themselves – gave the law a shaky legal   toehold over strong public objection.As   expected, the high court rejected the Obama Administration’s central argument   – that the Commerce Clause empowers the government to regulate non-commerce—that   is, someone notbuying something—health insurance. But the court   agreed with another tack taken by President Obama’s attorneys during oral   arguments—that the law could be justified as a tax – a notion that the   President repeatedly mocked and denied during the debate over the healthcare   law. Despite his protestations that the law was not a tax, his lawyer   argued it was. Chief Justice Roberts agreed. And as a result, the President’s   allies in Congress have now created 20 new or higher taxes for American   families.

Instead   of throwing out the issue and sending it back to Congress to find better   solutions, the Supreme Court has basically said to the American people, “If   you don’t like it, fix it yourselves.”

But   as people of faith, it should not surprise us that the backward logic of a   few men and women who found a way to classify abortion as non-murder should   also discover new, previously unknown powers for a bloated central   government. One can only imagine what the next mandate will be. Will we all   be forced to purchase an electric car, a windmill to power our homes or a   ticket to Disneyland since these, too, will supposedly improve our quality of   life?

As   a footnote, remember that not all Americans who fail to comply with the   individual mandate to buy health insurance will be penalized/fined/taxed. The   President and First Lady, members of Congress, and employees of those favored   few corporations declared exempt for no obvious reason other than political   favor will not be forced to participate. But for most of us, well, get ready   for higher taxes, higher healthcare costs and higher deficits.

Another Robin Hood Plan

According   to the Christian Science Monitor, the healthcare system overhaul is   based on fairy tale math:

Consider   a working-age family of four, with an income of $60,000 and no   earner covered by an employer-based health plan. According to a “health   reform subsidy calculator” created by the Kaiser Family   Foundation, which tracks U.S. health-care policies, this family would reap   a tax subsidy of $9,308 if they buy insurance in 2014. That would cover most   of a total premium cost of $14,245, perhaps putting health insurance within   the family’s financial reach.

Without   the “stick” of an individual mandate, this “carrot” might   not prompt as many households to fully insure themselves. To take the family   in the example just given, they would still face a sizable premium (nearly   $5,000), plus the prospect of additional out-of-pocket expenses, capped for   this family at $6,250.

For   comparison, the typical US household in 2010 had total spending of $48,109,   with $3,157 of that for health care, according to a survey by the US Labor Department.1

To   put it bluntly, this typical family of four previously without insurance will   now be able to become insured but will likely go from the current annual   average health coverage expense of $3,157 to $5,000. To make this possible,   others will be taxed $9,308 that will be redistributed to this family so they   can pay more to the health insurance company for higher cost services.   Brilliant. Government math at its finest.

When   our nation is literally teetering on the edge of a financial abyss, this   expensive legislation is good news only for bureaucrats who earn their keep   shuffling dollars and paperwork through the halls of government. This   socialist philosophy is leading our republic headlong into replicating the   failed economic policies of Europe.

Writing   in 1994, now 18 years ago, in an update to his national bestseller, The   Coming Economic Earthquake, Larry Burkett wrote, “It is difficult for me   to imagine that we, as a nation, are considering such an expansive and   potentially disastrous program (speaking of the Clinton Health Care Reform   proposal) at a time when the survival of the economy is in jeopardy. If, in   fact, any form of national health care is implemented, it will be the final   straw – the dagger in the heart of our economy as we know it.”

Coming in 2014 – Healthcare Run as Efficiently as the Post   Office

In   March, Fox News reported the staggering projections of the true cost of the   “Affordable” Care Act:

The   Congressional Budget Office   has extended its cost estimates for President Obama’s health care law out to   2022, taking in more years of full implementation, and showing that the bill   is substantially more expensive—twice as much as the original $900 billion   price tag.

In   a largely overlooked segment of the CBO’s   update to the budget outlook released Tuesday, the independent arm of   Congress found that the bill will cost $1.76 trillion between now and   2022. That only counts the cost of coverage, not implementation costs   and other changes.

“The   bill spends more than the president promised, it covers fewer people—probably   2 million fewer people—and it taxes more than was expected,” said Sen. Jeff Sessions, R-Ala.,   ranking member on the Senate Budget Committee.

The   first estimates of the cost of the health care bill included three years   before the bill even took effect, so there was little or no spending, making   the full 10 years look less expensive. Sessions notes that the $1.76 trillion   estimate includes only the costs of coverage, not implementation and other   costs. He argues that all those drive the price up even further over the   first full 10 years of the law.

“The   full accounting of the bill is $2.6 trillion. That’s a fair and accurate   analysis of what the bill would cost, according to CBO,” Sessions said,   noting how the cost dwarfs the fight over the 10-year debt reduction plan   debated last year.

“We   spent a whole summer fighting over a way to reduce spending by $2.1 trillion   and here this bill is going to add $2.6 trillion more in spending.”2

A Fork in The Road Just Ahead

For   those unconvinced that the healthcare law is valid – despite the tortured   logic of the Supreme Court ruling – and those who believe that taking on this   burden will bankrupt the United States, there are two remaining solutions:   Pray and vote.

In   November, the American people will register their view on the legitimacy of   the healthcare law at the polls. History will record whether they prefer a   return to fiscal sanity and limited government or fiscal ruin and a   government-controlled society.

We   will either turn back toward the Founders’ idea of the United States of   America or complete our transformation into the socialist dream of the   “United States of Europe.” Between now and then, Christians need to spend   time on our knees asking for the Lord’s mercy on our nation. As Joel   Rosenberg says in his latest book, Implosion, we need the Third Great   Awakening.

Link to the Author of this Article:

1“Health-care Reform law: How Supreme Court Ruling Affects   families,” Christian Science Monitor, June 27, 2012.

[2] “New CBO Health Law Estimate Shows Much Higher Spending Past First   10 Years,” Fox News, March 14, 2012.