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Wednesday, November 27, 2013

ObamaCare--The End of Affordable Care

The Affordable Care Act signals the end of affordable and quality health care in America. It also signals the redistribution of money flow. Unfortunately the cash flow will not go to the poor with low incomes. It will be directed to the most wealthy in America….insurance companies, pharma, and government agencies. President Obama promised ‘Hope and Change’. Change is what we are beginning to get. Hope? That may be a long way off, or never. A sense of doom has settled in on most intelligent people. Those without, and who have little have been given an empty promise of more for less. Those who wish to change or revert the system are faced with the inertia of a moving object. However it is easier to redirect a moving object than to move a sationery object. 1200 pages of the Affordable Care Act outline with autocratic mandates what shall be done by governmental administrators. While most ‘experts’ are bogged down in the details, wandering in the trees, the forest is dying. The naturally occurring economic rules are being bypassed, by socialistic cronyism. We normally think about capitalistic cronyism, however socialistic cronyism is far more dangerous because it is embedded in the ‘power’ structure. True cronyism is family or business based. The affordability of health insurance has been based upon actuarial tables, many of which are false and unproven. There is no assurance that you will be able to keep or afford your current or new insurance plan. This is not socialized medicine, or universal payer system. This will affect every American family, as a greater percentage of their income is diverted from food, housing, disposable income and purchasing power. The Affordable Care Act (most likely funded by the National Debt) will create a cascade of lost employment, fewer small businesses, and great stress upon the giants of industry. The outcome will be fewer hospitals, doctors, and poorer public health despite all the promises of HHS and their propaganda about public health, nutritious food, and healthy life styles. Increased stress caused by the Affordable Care Act will have a deletorius effect on those who ‘run out’ of money to feed their family, and who will no longer be able to afford healthy food, switching to high fat, low protein diets. Disposable income will diminish creating a reduction in consumer demand, carrying over to a decrease in production of goods. Creating and operating an IT system to run the Health Benefit Exchange is the most simple aspect of the Affordable Care Act. The stalled opening of and further uncertainty about it’s security and operational reliability are flaws that should and will raise concern in the populous. The actual implementation of payment for and delivery of care will not be so simple. The prospect of HHS and the government being able to deliver on it’s promise is like having a check book with no money in the account(s).

Monday, November 18, 2013

What They Said Before the Train Wreck: The Top 10 Worst Quotes Pushing ObamaCare


A train looking for a track.  MRC   A Media Reality Check

If we truly want health reform, we need to rethink the process.

I did not have my computer this past weekend, however I reverted to an older edition of my ‘software’….#2 yellow pencil and a yellow legal pad.

Thoughts flashed through my cranial space.

“ObamaCare”………..whose care is it, anyway? Obama is not delivering the care, so why should his name be on it.?  The plan was orchestrated by Ezekiel Emanuel,  a well known authority and academic expert on health policy matters. also  elder sibling of Rahm Emanuel, known for his family traits of high achievers, and lack of humility or ability to be diplomatic. Rahm and Zeke used to go at it, something like this,

Emanuel and his brother Rahm frequently argue about healthcare policy. Emanuel mimics his brother's end of the conversation: "You want to change the whole healthcare system, and I can’t even get SCHIP [State Children’s Health Insurance Program] passed with dedicated funding? What kind of idiot are you?"[8]

Dr Emanuel spent thousands of hours and several years developing the plan. He was head of the NIH at one time as well.  He was pretty high up in medical organizations and must be an expert on health care, yes?  NO ?  He has an outstanding bibliography having written papers on euthanasia, rationing, death panels, end of life and other optimistic and positive views on life.

I don’t believe he has seen a patient in many years, nor ever operated a medical practice business.  The law rightly should be named after the author, let’s call it “Ezekiel Care”, or  “Emanuel Care”.   That sounds holy and authoritative.  After all the law is over 1200 pages long, only slightly shorter than my bible at 1400 pages.

Obamacare is written much like the bible….a multitude of The  Secretary of HHS shall………it does sound a bit biblical, indeed.  Many ‘thou shalt’s under penalty of ……. Obamacare reads a bit like hail and brimstone.    And it will truly end with an apocalypse. I am still figuring out who the 7 horsemen will be in this apocalypse.

However, as usual I digress…

Health Reform is too important to be in the political arena, nor reformed by the ingrained establishments of Congress, the Department of Health and Human Services (HHS) or the Center for Medicare Services (CMS).

Americans are now highly suspicious about both parties and see much self interest in Congress, progress bogged down by process and parliamentary.  There is little if any creative thought going on in those mighty buildings.

In order for Americans to have faith and trust in a health system, the system cannot be devised or run by those in Washington, D.C.  Perhaps even a referendum must be organized to win approval of a totally new organization.

Health is a ‘like no other’ service.  It involves life or death matters (not only) with almost a religious sense of ethics, priorities and privacy matters.

Reform must be proposed by neutral agnostic non political principals. Who will be these leaders?  That in itself will determine the ultimate outcome, success or failure of what is proposed. It will take Jeffersonian creativity to accomplishment and a strong believer in the Constitution.  It has a great deal to do with freedom and individual rights. 

All of our leaders and Supreme Court Justices are sworn to uphold the  U.S. Constitution, however often fail to deliver on their oaths.

The task is awesome to develop a consensus among patients, providers, insurers, hospitals and regulators.

Empty Mandates are worthless, the proposal must have genuine timely deliverables to succeed. It should not be a  ‘ Ponzi scheme’ dependent upon the early success of capitalization to work. 

We need to begin again….Repeal Obama Care.


Friday, November 15, 2013

ObamaCare Going Over the Cliff

I know most of us who had this figured out are not going to say, "I told you so." The rope is already unravelled. There is not going to be a quick fix, except to have the Dems do a mea culpe. Time to sit down and re-do health reform, this time with non politicians and a real CEO, not a head of CMS nor HHS running the show. Most of us are running out of patience, having run out of money a long time ago. I ccurrentlly have very limited access to the internet so that is it for today Happy Veteran's Day to all.

Monday, November 11, 2013

Obamacare Will Be Repealed Well In Advance Of The 2014 Elections

Repeal ObamaCare
That is less than six months from now.  Forbes magazine this week has an op-ed by Steve Hayward.
“Prediction: even if is fixed by the end of the month (unlikely), Obamacare is going to be repealed well in advance of next year’s election.  And if the website continues to fail, the push for repeal—from endangered Democrats—will occur very rapidly.  The website is a sideshow: the real action is the number of people and businesses who are losing their health plans or having to pay a lot more.  Fixing the website will only delay the inevitable.
This video is from 1993 when Hillary-care was being discussed. Many of the same concerns as we see today, however much further down the road.

CBS Audio Transcript  mp3
Monday's CBS This Morning revealed how "a trusted Obama health care adviser warned the White House it was losing control of ObamaCare". Major Garrett underlined that "the warnings were dire and specific, and ultimately ignored" by the Obama administration. Instead, they "relied on appointed bureaucrats and senior White House health care advisers" to implement the health care law. Garrett also pointed out how "the White House became secretive about the law's complexity and regulatory reach" because they were apparently "fearful of constant attacks from congressional Republicans" over the controversial issue.Garrett also pointed out how "the White House became secretive about the law's complexity and regulatory reach" because they were apparently "fearful of constant attacks from congressional Republicans" over the controversial issue.
Despite this bold statement there are many clinging to a sinking ship.

As Obamacare rolls out fitfully there  will be many confounding variables….stay tuned.

Sherpa Health vs. Obamacare and


One thing for certain (if there is any) is that “Obamacare” elicits a guttural reaction for many people.  If you are in favor of it then you might be a left wing liberal, a socialist, or maybe even a ‘Pinko”.  If you are against it then you are a right wing conservative, possibly a racist, or worse.

A lofty goal, to insure all our citizens should be removed from the  political stage.

Not only was Nancy Pelosi correct in her statement “We won’t know what is in it until we pass it”.  Even after it’s passage into law most people will not find out what is in it until they look over the policies on the website (if you can use it).   The ultimate test is how badly you want it….using the web site is a mixed experience. On some days it works, partially, on other days it is like the old Microsoft “blue screen of death”…

The latest exciting news is that a ‘band of brothers’ has a website named “Sherpa Health” It took three 20 something's and three weeks to created the site.

To quote from the web site, “"The Health Sherpa is a free guide that makes it easier to find and sign up for health insurance under the Affordable Care Act. We only use carefully vetted, publicly available data," the site reads. "The Health Sherpa is not affiliated with any lobby, trade group or government agency and has no political agenda."

I tried Covered California, then the National to start.  It took several days, however I think I am registered, however there was no way to immediately confirm my registration.  There was a rather vague message about how I wanted to be notified, email, telephone, regular mail (or morse code….just kidding)

Three Guys Built a Better    and while it does not have some of the complexity and linkages to ‘back end’ processes of HHS, IRS and eligibility authorizations it serves as a very friendly usable site for the ‘unintelligent’ (including me)

"It isn't a fair apples-to-apples comparison," Kalogeropoulos said. "Unlike, our site doesn't connect to the IRS, DHS, and various state exchanges and authorities. Furthermore, we're using the government's data, so our site is only possible because of the hard work that the team has done."

But it does cast light on the difference between what can be done by a small group of experts, steeped in Silicon Valley's anything-is-possible mentality, and a massive government project in which politics and bureaucracy seem to have helped create an unwieldy mess.

HHS and CMS spent hundreds of millions of dollars to erect  For a few dollars less (reportedly for a few hundred dollars).  Sherpa Health does give credit to HHS for the background data bank which is used by Sherpa Health.

Even at this early date there have been surprises, insurance cancellations, failures, and there will be more regarding penalties, individual mandates, employer mandates, and conflicts such as HIPAA regulations. The early success or failure may be a telltale sign for the financial future of the Affordable Care Act.

Good luck to us all.

Thursday, November 7, 2013

Full Committee Hearing - The Online Federal Health Insurance Marketplace: Enrollment Challenges and the Path Forward


This morning I awoke to my alarm set to the time of the Senate’s committee hearing on the Affordable Care Act and the botching of it’s “Go live”  date.  Usually “Go Live” dates are immense are of importance and a clear sign of significant change in an industry.

It is still uncertain if the ‘baby’ was born. 


President Obama continues to alter his signature promise in selling the Affordable Care Act back in 2009 and 2010.

"If you like your plan, you can keep your plan," he said back then.

But that simple pledge has had to change as the Affordable Care Act has been implemented and a small percentage of Americans, albeit millions of people, have received cancellation notices from their insurance companies. And for the second time in two weeks, he's tweaked the line.

Visit for breaking news, world news, and news about the economy

Debunking 4 Obamacare myths: Both sides get it wrong

On a website published by Annenberg Public Policy Center, the myths are further analyzed.  The number of experts is legion. Our senators asked many questions but failed to see the what the light of discontent is about and the depth of concerns.

The committee discusses that the Health Benefit Exchange is not the Affordable Care Act. I don’t think anyone thinks it is,, However no one indicated that discontent rises not in the HBX, but in the uncertainty of what the remainder of the ACA will cause to happen or not happen.  The front page open to the public (if and when it works) is not reassuring to the public.

The discontent of consumers is  trust and faith have been lost in regard to the entire program.  Technology cannot replace a trust in the basic tenets of the act. There are many flaws, each a small one, however failure is usually results from multiple errors.

There are proponents of Obamacare who are endlessly optimistic, and offer enduring patience as one of the solutions.

There has been a growing discontent among those not of the mind that given more time the Affordable Care Act will work. If that is the case, there is sufficient time to place matters on hold and delay certain mandates while the law is modified to give authority to redirect the law as needed.

To push on in the face of serious doubt and to ignore the possible demise of the entire act would not  be more than foolhardy.