obama1

The disastrous rollout of the Affordable Care Act website-healthcare.gov has resulted in conservatives and Republicans in Congress to once again call for the repeal of Obamacare and earned the enmity of liberals who are confident that the problems that have occurred will be fixed and that the law will be a success.

What liberals like Chris Matthews rail about on a regular basis is the lack of a Republican alternative as if they need to create one.  The fact of the matter is that they do have an alternative plan.  Go back to what was in effect before Obamacare was passed.

Granted that it wasn’t a perfect system, but based on what has transpired in the last seven weeks, with the government website failing miserably along with many poorly performing state exchanges and millions of people being sent insurance cancellations notices, it is very clear that the old system was far better than Obamacare.

Instead of a free market system where individuals were able to choose the benefits and plans that they wanted and could afford, we now have a system that forces insurers to provide certain benefits- like pregnancy, whether or not a person wants or needs it, covers pre-existing conditions and expands Medicaid in states that opt-in, which drive up the cost of health care for everyone.

And while the Obama administration said that the goal was to insure the 30-40 million Americans who didn’t qualify for insurance due to their medical condition, or couldn’t afford it, the reality is that the law will wind up helping less than half that number, while adding yet to be determined costs to the health care system.

So in effect we have overhauled a system, that while imperfect was working t help maybe 12 million people out of the 315 million people living in this country.

Not only that but while people are being sent cancellation notices and being given more expensive alternatives, the taxpayers will be subsidizing many of the newly insured through tax credits that the government will give them to make insurance more affordable.  So the affordable in the Affordable Care Act needs an asterisk that should say it’s only affordable if you can get a  direct taxpayer subsidy.

Don’t forget that Obama promised that people could keep their plan and their doctor if they wanted to when he was pitching Obamacare even though he knew that it wasn’t the truth.  Even with his edict telling insurance companies to reinstate canceled plans, that doesn’t solve the problem.  For some reason Obama thinks that insurance companies and state insurance commissioners will be able to magically flip a switch and put everything back the way it was.

If you wanted a  good example of a nanny state- Obamacare is a poster child for it.

Maybe we should consider ourselves lucky that we only got stuck with Obamacare and not what the Democrats really wanted- a single payer system.

Talk about the lesser of two evils.

sebelius

Sixty-one year old Dianne Barrette of Florida has become the poster child this week for the failure of Obamacare when CBS News revealed that her health insurance premiums will rise a whopping 994% thanks to the new law.

Barrette was paying $54 per month for a low-end plan from Blue Cross Blue Shield, but that plan doesn’t meet the new standards under the Affordable Care Act and so now she will be forced into a more comprehensive plan that costs more than ten times more than her old plan.

While Barrette will be in a markedly better plan, she told CBS News’ Jan Crawford that she was perfectly happy with her old plan and couldn’t understand why she couldn’t keep it.  After all President Obama said that Americans would be able to keep their plans and their doctors under Obamacare, but that has proven not to be true.

Obamacare requires plans to cover pre-natal, mental health and a host of other conditions that Barrette’s plan didn’t cover, but something she felt she didn’t need,.  After all what does a 61-year old care about pre-natal care?

Health insurance is a complex issue and there are tens of thousands of plans available across America, that have been crafted to give buyers a choice of what they wanted to be covered for and how much they were willing to pay.  While the system isn’t perfect, it was working  about as well as could be expected.

Under Obamacare, the federal government is now setting standards and putting people into a kind of one-size fits all box.  Sure there are a few different types of plans based on what people are willing to pay, but choice has been dramatically reduced, which will cause many people to pay for coverage they don’t need or will never use.

This is what Barrette is facing.  She will likely qualify for federal subsidies, meaning she won’t have to pay the full $6600 increase in her annual premium, but guess where that subsidy will come from?  The U.S taxpayer.

Obama has moved America one step closer to a more socialist system with the passage of Obamacare, though I don’t think we will lurch further in that direction since the launch of the program has been nothing short of an absolute disaster, but it is a very good example of why the government shouldn’t be involved in our lives.

Another problem with Obamacare beyond the massive website failure has been the large number of people who have signed up for the expanded state Medicaid programs.

The initial figures show that the enrollments have topped 80% in some of the states and if it remains at that level going forward the programs will be in severe financial trouble as Obamacare was based on the premise that young people would sign up in droves and subsidize those on Medicaid, who tend to be older, poorer and sicker than the general population and require more medical care,

Barrette isn’t the only person facing the loss of her current plan- the latest count is that 1.5 million cancellation notices have gone out across the country, which is more than the number of people who have enrolled in Obamacare, and those people are likely going to be paying more.

This may be Obama’s signature achievement, but it is likely to also be his greatest failure as costs rise, saddling the taxpayers with more debt than America can ever hope to repay.