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Will Republicans Keep the Court from Blowing Obama’s Cover?

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by Jane M. Orient, M.D.

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The Big Lie of ObamaCare is in the title: the Affordable Care Act. Administration officials invoke “affordable” over and over again.

The U.S. Supreme Court could well blow the Democrats’ cover in King v. Burwell if it rules that people in the 37 states that did not establish an Exchange cannot legally get taxpayer subsidies for health insurance.

The subsidies hide the reality. People generally look only at what they themselves have to pay. They do not care what faceless taxpayers are paying to insurance companies for their policies.

Of the 11.7 million Americans who now have private health insurance through federal and state marketplaces, 86 percent of them are receiving financial assistance from federal taxpayers to help pay premiums—or, more accurately, their insurance company is.

“More than seven million people could lose subsidies, making insurance unaffordable,” said White House officials, according to the New York Times.

These subsidies (“tax credits”) averaged $263 a month and reduced the premium by 72 percent, on average. Taxpayers who manage to earn more than a certain threshold thus have to pay 100 percent of their own premiums plus their “fair share” of 72 percent of premiums for those who earn less.

Assuming that they will be blamed for the surge in the number of uninsured, although they did not write the law, congressional Republicans are scurrying for ways to “fix” the problem of a purported “mistake” in drafting the law.

The only problem they apparently see is that people would lose coverage—not that ObamaCare drove premiums to unaffordable levels. And the only remedy they can think of is to force others to pay the unaffordable cost, at least for a time. Not having learned from vast experience, they assume that an extension of subsidies will be temporary.

One would like to see Republicans explain to the people why the whole structure of ObamaCare is a mistake, which worsens and solidifies the problems that make American medical care so costly in the first place. These are the simple, incontrovertible facts:
• Guaranteed issue/community rating always drives up premiums and leads to a “death spiral.” Unless premiums are based on risk, people have no incentive to buy insurance when they are well.
• Mandates to pay for expensive services people do not need or want help purveyors of such services but drive up premiums.
• Third-party payment itself always and everywhere drives costs far higher than people would pay if spending their own money.
• Administrative micromanagement drives up costs and limits access.
• Insurance is not the only way to buy medical care—just the most expensive way.

ObamaCare needs to be repealed. Tweaking one of the interlocking parts just makes the interconnected rest even more unworkable. If the Supreme Court exposes the true cost by removing the veil of subsidies, Republicans should not try to cover it up.

If people lose coverage, another shocking truth might be revealed, to the horror of the insurance cartel: they might be better off. The unsubsidized share of premiums—instead of being sucked into the insurer’s bank account—would be available to buy actual care, which people might now avoid because of high ObamaCare deductibles. A market might develop for true catastrophic-only insurance, with appropriately low premiums. Note that if ObamaCare insurance becomes unaffordable because of lack of subsidies, the individual mandate penalty/tax does not apply.

Of the money paid to insurers, at least 15 percent goes to administration and much more to activities like “quality assurance” that provide nothing recognizable to patients as a medical service or product. And if the insurer does pay for something, it decides exactly what, when, and how much a beneficiary might receive.

There are many alternatives to dependence on the government/insurer monolith, which the cartel would love to crush, such as health sharing ministries, direct-pay practices, and indemnity insurance. More resources are becoming available to patients (for example, medicalselfsufficiency.com and selfpaypatient.com).

Republicans should not help to suppress alternatives by propping up the ObamaCare monster and leaving the façade of subsidies intact.

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http://www.aapsonline.org/

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ObamaCare Can Cancel Your Insurance, Warns Association of American Physicians and Surgeons (AAPS)

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Association of American Physicians and Surgeons

1601 N. Tucson Blvd. Suite 9

Tucson, AZ 85716

 

March 10, 2015

Tucson, AZ. One of the biggest selling points for the Affordable Care Act (ACA or ObamaCare) was the promise that insurers couldn’t cancel your plan if you get sick. But if the U.S. Supreme Court, in King v. Burwell, holds premium subsidies to be illegal in Exchanges not established by States, the Administration will allow insurers to abrogate their contracts, says the Association of American Physicians and Surgeons.

“It’s déjà vu all over again,” states AAPS executive director Jane M. Orient, M.D. “When Medicare passed, seniors who had private insurance lost it. The insurers told President Johnson that they couldn’t unilaterally cancel subscribers’ contracts. But LBJ said they could cancel all the contracts, and they did. Private insurance for seniors was ended with a stroke.”

“While the Administration assures HealthCare.gov policyholders that ‘nothing has changed,’ it has been conveying a contradictory message to health insurance companies,” writes Senator Orrin Hatch (R-Utah) in a letter to former CMS head Marilyn Tavenner. “Late last year, CMS altered the agreements to participate in the federal exchange, guaranteeing insurance companies the right to pull out of their contracts should federal subsidies such as the APTC come to an end—in other words, if the Administration loses before the Supreme Court.”

The Administration apparently has a contingency plan to protect insurers, Orient notes, but what about patients? “Millions lost their existing plans, which they liked, when ACA forced them to be pulled from the market. People had to buy an ACA-compliant replacement plan, usually much more expensive, and they could now lose that too.”

“What will be left?” AAPS asks. “Will Congress repeal ObamaCare and all its impossible mandates on insurers and the medical system? Or will Americans be forced into Obama’s preferred system of total dependence on government—and its completely untrustworthy promises?”

Sen. Hatch has demanded documents from CMS so that the Senate Finance Committee can conduct oversight.

Sen. Ben Sasse (R-Neb.) and other Republicans are proposing transition plans such as the Winding Down Obamacare Act, which are intended to protect patients from loss of insurance, and to prevent the Administration from exerting coercive pressure on States to establish Exchanges that would further cement ObamaCare in place.

The Association of American Physicians and Surgeons (AAPS) is a national organization representing physicians in all specialties, founded in 1943 to preserve private medicine and the patient-physician relationship. More

Congress Doesn’t Create Free Markets—It Only Destroys Them

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new-logo25 Jane M. Orient, M.D.,

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If some people like their government healthcare, let them keep it. But let the people go if they prefer freedom.”

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When people clamor for Congress to pass a “free-market health plan,” they1619098_10202643451221752_1414455253_n are forgetting two things: Congress only does laws, which restrict freedom. We need fewer laws, not more. And the free market is by nature not a plan.

Big laws like ObamaCare are designed by special-interest groups, such as the “insurance” (managed care) cartel, Big Hospitals, Big Pharma, and influential groups that want their benefits (abortion, contraception, drug and alcohol rehab, AIDS therapy, etc.) paid for by people who would never use them. More

Survival Prospects for ObamaCare in 2015

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new-logo25By Jane M. Orient, M.D.,

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“It may be years before a new beneficiary develops a serious illness and finds out that his policy is worthless.
• Come April, Americans will be having to tell the IRS about their insurance status, and pay an additional “tax” if it doesn’t meet requirements. Employers face onerous new reporting requirements come New Year’s Day, and the delayed employer mandate kicks in.”

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Now that Republicans have control of Congress, they could possibly keepObamacareHurt their promise to repeal ObamaCare—except for two immediate obstacles. One of course is the threat of the Presidential veto. Another is the already apparent willingness of craven politicians to surrender pre-emptively.

Once a government benefit is given, it becomes politically suicidal to take it back—at least in a way that people can see. There are likely a million or more Americans who are reveling in “having healthcare for the first time in their lives.” Or so the Administration’s messaging would have us believe. People are not yet onto the difference between having an insurance card and getting prompt medical attention. More

CRomnibus: Why Politicians Cannot Be Trusted with Our Money

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strip bannernew-logo25By Alieta Eck, M.D.

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The cost of a doctor visit—when paid directly—has not outpaced inflation. The cost of health insurance, however, has increased to something in the range of a mortgage payment. Americans need relief.”

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censored doctCongress just passed—without even reading it—a trillion dollar spending bill. The Continuing Resolution (CR) allows the government to keep spending in the absence of a budget. The “omnibus” package—“omni” means everything in the kitchen sink—adds in 1,600 pages of pork all mixed together. No amendments, no extractions: Take it all at once or shut down the government.

Obviously, congressmen who voted for it don’t live in the real world of mortgages, food budgets, and car payments, where real Americans actually have to pay their bills. More

The IRS and Your Health

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new-logo25Contributor &  author:  Jane M. Orient, M.D., Executive Director of  Association of American Physicians and Surgeons,    (see Dr. Orient’s bio at the bottom of this release)

Interview – Contact Dr. Orient directly  at (520) 323-3110 or janeorientmd@gmail.com  (reporters and  journalists welcome!)

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As Americans watch  congressional hearings on the Internal Revenue Service, they should ask  themselves what this enormously powerful, corrupt, politically motivated agency  might do with its new job of administering ObamaCare….

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The IRS and Your Health

By Author-Contributor Jane M.  Orient, M.D., http://www.drjaneorient.com/credentials.php

jpeg bryantAs Americans watch congressional  hearings on the Internal Revenue Service, they should ask themselves what this  enormously powerful, corrupt, politically motivated agency might do with its new  job of administering ObamaCare.

We have heard testimony from  those whose tax exemption was delayed or denied, or who underwent abusive  audits, or faced seizure of their accumulated earnings, apparently because  someone viewed them as opponents to the Powers.

The people who are testifying  are obviously still alive.

What if this agency had the  power to control access to medical care?

Of course, it will not have this  power under ObamaCare. Not exactly. These are the powers that it will  have:

The IRS will decide whether you  get a subsidy to buy the increasingly expensive health coverage mandated under  the law. Since that coverage could cost a third of your income, its  “affordability” obviously depends on whether other taxpayers have to help pay  for it. And by the way, the subsidy doesn’t go to you—it goes to the Plan. To  qualify, the Plan has to please the Administration. It has to allocate enough  for politically correct “prevention” (such as abortions) and not too much to  services that lead to “disparity” (such as hip fractures in the  elderly).

The IRS will determine which  insurers will survive. A Plan that is not eligible for subsidies is likely to  die for want of enough customers. The Administration has a record of picking  winners (its cronies) and losers (its opponents).

The IRS will influence the  chances that your job will survive. Your employer may be hit with ruinous fines  for not having benefits that qualify or for having workers who apply for  subsidies on the Exchange. As the rules are impossibly complex, government  agencies have a lot of discretion, which can be used to reward and to  punish. More

The insanity of Obamacare in one sentence

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Dr. Barbara Bellar Candidate for Illinois State Senate, District 18 sums up Obamacare in one sentence.
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“Let me get this straight. This is a long sentence.

We’re going to be gifted with a healthcare plan we are forced to purchase,
and fined if we don’t,
which puportedly covers at least 10 million more people,
without adding a single new doctor,
but provides for 16000 new IRS agents,
written by a committee whose chairman says he doesn’t understand it,
passed by a congress that didn’t read it but exempted themselves from it,
and signed by a president who smokes,
with funding administered by a treasury chief who didn’t pay his taxes,
for which we will be taxed for four years before any benefits take effect,
by a government which has already bankrupted social security and medicare,
all to be overseen by a surgeon general who is obese,
and financed by a country that’s broke.

What the [Blank] could possibly go wrong!”

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