The Insurance Mandate Shell Game

Discussion in 'Politics' started by g5000, Mar 27, 2012.

  1. g5000
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    g5000 Diamond Member

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    The argument in favor of the health insurance mandate in the Affordable Care Act (ACA), a.k.a. “ObamaCare”, says that everyone uses the health care system sooner or later, and that those who willfully don’t have insurance when they eventually get sick will cost all of us money.

    I will show how this is a shell game.

    Shell # 1: The real reason the ACA has the mandate is to offset the cost of another provision which requires health insurance companies to insure people with “pre-existing conditions”. This linkage is only brought up when it is convenient. It is not convenient when trying to paint the willfully uninsured as a bunch of hypothetical future burdens on society. But the willfully uninsured actually are a cash cow. Their healthy bodies will be forced to pay premiums to even out the risk pool and share the real burden of paying for those who have pre-existing conditions.

    So don’t let this linkage between the two be hidden by Shell #1.



    Shell #2: The ACA has subsidies in in it. A family of four that earns up to $92,000, and a single person who earns up to $44,680, will have their health insurance subsidized.

    That is FOUR TIMES THE POVERTY LEVEL.

    Nearly half of all Americans will be subsidized by the taxpayers for their health insurance.

    Yeah. Half. You heard that right. The median household income is $51,914.

    Half may be a conservative estimate.

    The argument that the uninsured are costing taxpayers money today is completely obliterated by the fact the taxpayers will be paying for health insurance for likely at least half of America.

    And you can be DAMN SURE the subsidies will be a political football forevermore as the Democrats unceasingly work to increase them every election cycle to buy votes.

    So don’t let the “the uninsured are costing us money under the status quo” argument be Shell #2.



    Shell #3: “Roll out the cancer lady!” ObamaCare is portrayed as the only solution. We are presented with the scenario of choosing between the status quo or ObamaCare. This is known in logic as a fallacy of the excluded middle, and betrays the common liberal way of thinking which goes like this:

    1. The government must do something.

    2. This is something.

    3. The government must do this.

    To garner support for their illogic, the Left does not hesitate to use another logical fallacy known as the appeal to emotion. They will roll out a sympathetic figure to show us there is really only ONE choice. This shameless and evil exploitation of the sick and injured in order to acquire something free for themselves is the third shell.

    Don’t let the cancer lady be Shell #3.
     
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    Last edited: Mar 27, 2012
  2. VaYank5150
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    VaYank5150 Gold Member

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    And what does the GOP do to counter? Scare the shit out of everyone with "death panels". REALLY??
     
  3. g5000
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    g5000 Diamond Member

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    The GOP actually had at least two alternative plans offered, but that did not fit the Left's narrative which said the GOP was the "party of no".

    There was also a better alternative offered by the Democratic Senator from Oregon, Ron Wyden. The story of his getting shunted aside by his own party is one which should be explored by those who think the Democratic Party had the people's best interests at heart with ObamaCare.


    As for "death panels" thing, I personally would like to pull the plug on Sarah Palin. She has done irreparable damage to the GOP.

    But what alternatives would I like to see, you perhaps are wondering?

    I am glad you asked. :lol:

    First, raise the retirement age. When the retirement age of 65 was established under FDR by the creation of Social Security in 1935, the average life expectancy was 60, and only 6 percent of the US population was over 65.

    When Medicare was established under LBJ in 1965, the average life expectancy was 70.

    Today, nearly 8 decades after 65 was set as the retirement age, the average life expectancy is 78, and 12 percent of the US population is over 65. We have literally doubled our entitlement burden.

    If you go to work at 18 and retire at 65, you are paying into the system for 47 years, and drawing from our treasury for 13 years.

    By simply raising the retirement age to 70 (and not even going 5 years beyond life expectancy as FDR did), you pay into the system for 5 more years and draw out for 5 years less.

    Huge savings for Medicare, which is the larger part of our nation’s medical expenses.



    Second, eliminate employer-provided health insurance (EPHI). EPHI has been bending the health care cost curve upward ever since it was demanded as a job benefit by labor unions.
    Rather than eliminate EPHI, ObamaCare entrenches it, making it a mandatory benefit by employers, or they must pay a fine. Unbelievable!

    Not only that, Obama himself deliberately and dramatically raised the tax exemption ceiling for EPHI.

    You see, the average family health insurance benefit is $12,000. This is a benefit you receive from your employer which is not taxed as income.

    There are EPHI plans provided to some workers that are worth much more than that. These are known as “Cadillac plans” and labor unions are famous for them.

    Congress had set the tax exemption ceiling for EPHI to $18,000. Any EPHI value above that would be taxed as income. But Obama personally pen and inked it to $27,000.

    And this man has the balls to tell us tax cuts for the rich are costing the rest of us money!

    Eliminate EPHI. You should buy health insurance the same way you buy your auto, home, and life insurance. And you should be able to buy it across state lines the same way you buy your auto, home, and life insurance.

    If you don’t insure your car and you crash it, does the American taxpayer pay off your car loan?

    No. That’s preposterous.

    If you don’t insure your home and it burns down, does the American taxpayer pay off your mortgage?

    No. That’s preposterous.

    If you don’t insure your life and you die in a car crash, does the American taxpayer give your widow half a million bucks?

    No. That’s preposterous.

    If you don’t insure your health and you get sick, should the American taxpayer pay your hospital bill?

    No. That’s preposterous.

    These are just a couple of several ideas which are much better alternatives to the abortion called ObamaCare.
     
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    Last edited: Mar 27, 2012
  4. VaYank5150
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    VaYank5150 Gold Member

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    Are you suggesting that under law, our employers MUST provide Health Insurance? Surely, you jest?
     
  5. Claudette
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    Claudette Gold Member

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    I like it but is it viable??
     
  6. g5000
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    g5000 Diamond Member

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    The three shells of the ACA are deftly moved about. You think the ball is under Shell #1 and have a liberal nailed on the fact that the willfully uninsured are actually a cash cow and not a future burden?

    Presto! They reveal the ball is under Shell #3 and suddenly the conversation is about a pathetic and sad cancer lady.


    Recognize the tricks of the confidence game.
     
  7. g5000
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    g5000 Diamond Member

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    No joke. The ACA requires employers with more than 50 employees to provide health insurance to their employees or pay a fine.

    So not only is the government dicating what you must buy, it is also dictating what fringe benefits business owners must provide.

    This is a massive expansion of government control over all of our lives.
     
    Last edited: Mar 27, 2012
  8. Decepticon
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    Healthcare is a "fringe" benefit?

    If you CONZ are so worried about the costs of healthcare and who has to pay for it, then advocate for to socialized medicine or STFU.
     
  9. VaYank5150
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    I completely understand what the ACA does. Now, if your supposition that the unions FORCED employers to provide Health Insurance prior to the ACA, we wouldn't be having this discussion. So, for the record, the unions did not FORCE business to do anything that they felt wasn't a sound business decision, right?
     
  10. g5000
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    g5000 Diamond Member

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    The unions made EPHI a demand of labor negotiations. I would not say "FORCED". Over time, this new benefit became a corporate standard. Even many companies that do not have labor union employees now offer it to their employees.

    This is not sound business practice, as some employers are beginning to realize. The cost of health insurance is rising faster than inflation, ironically in part due to the existence of EPHI, and so the rising cost of offering that benefit is hurting employers.
     

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