ObamaCare Death Spiral

I never thought I would live to see the day, but the day is here. ObamaCare is in a death spiral, and I am happy. I agree totally with the doctor being interviewed in the video you are about to see: the people designing ObamaCare had the most noble of intentions, but the design and implementation are fatally flawed.

Here is a link to the video on Fox News: ObamaCare Death Spiral.

The term “death spiral” was today used by the CEO of Aetna Insurance, and his interview is stunning. Here is a link, but you may not be able to see the video unless you have a Wall Street Journal subscription: Aetna CEO on ObamaCare death spiral.

I am happy about the downfall of ObamaCare because it is a prime example of the failure of Socialism. I define Socialism as government control of the means of production vs. Communism which is government ownership of the means of production. My hope is that now we as a country will move past ObamaCare to a more private enterprise model of health care provision and insurance. There might well need to be some government direction. Until our federal government made child labor illegal, we had child labor.

Potential ObamaCare Alternatives for Your Small Business

obamacare

    In the last few months, ObamaCare small businesses have seen:

  • Health insurance companies leaving the ObamaCare exchanges in droves; the health insurance firms are losing their shirts with ObamaCare. Serves them right. They were among the major architects of ObamaCare, if not the main ones.
  • Fewer choices of health care providers. (Remember? “You will be able to keep your own doctor” and “You will be able to keep your own health insurance plan.”)
  • For 2017, ObamaCare premiums are rising an average of 25% across the country!

What is a small business to do?

Here are two ways to avoid ObamaCare plans and still offer something to employees. One may work for your small business.

First, don’t think that if you have fewer than 50 full-time employees you are off the ObamaCare hook automatically. This article mentions the issues: Off the hook?. The article is from Forbes magazine.

Term Health Insurance Plans

This article is from the National Federation of Independent Businesses (NFIB): term plans. It has a great little video.

Cost Sharing Health Programs (Not health insurance, but an alternative, nonetheless)

There are a number of Christian cost sharing health programs which you can google. Here is just one: cost sharing. Notice that their definition of “Christian” is broad.

Caveat Emptor

Please consult a knowledgeable accountant or attorney before making any decisions.

This post simply mentions ideas. As with all posts on this website, this post is not legal or accounting advice.

Finally, Pay Doctor Directly Is Being Recommended

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#ObamaCare
#Affordable Care Act

Here is a link to a commentary in The Wall Street Journal, September 2, 2015, that clearly and cogently argues for two key elements in reforming ObamaCare: Two Essential Elements of ObamaCare Reform.

The authors, Scott W. Atlas and John F. Cogan, add pre-tax health-savings accounts to high-deductible insurance coverage, the latter of which we have advocated. These changes put health care back into the hands of consumers instead of in the power of government and insurance companies. Both of these changes are eminently practical!

Another crucial reform is to allow consumers to purchase health insurance across state lines. The health insurance companies, which helped write ObamaCare (to speak conservatively), are the elephants in the room that hope they are not noticed. Make them compete! Then costs will come down. We are supposed to be a society of free markets. Too often, we are a society of rigged markets in favor of big business in league with big government. When President Eisenhower was leaving office, he warned about the perils of the military-industrial complex. That is still a peril, but big business-big government (which encompasses the military-industrial complex) is a scourge that can destroy our way of life.

A Simple Solution to ObamaCare

Decide about health insurance now!

#ObamaCare

Doctors, there is a simple solution to ObamaCare in your hands!

This letter to the editor of The Wall Street Journal was published on July 27, 2015, and it was written by Jonathan Sheldon, M.D.

Doctors Serve Patients Without Insurance

In his July 23 letter, Dr. Karl Hafner laments that, “As a physician I would love to provide free service sometimes, but insurance prohibits it.”

There is a simple solution to this problem and it is one available to all physicians: Stop accepting insurance and instead work directly and exclusively for your patients.

My partner and I did this back in 1998 and since then have enjoyed a most wonderful practice. We charge fairly and rationally for our work — our fees don’t have to be artificially inflated to account for the big discount the insurance companies apply — and about 10% of our care is provided gratis to deserving patients.

I am increasingly convinced that the solution to much of what ails our health-care system lies not in commercial or government insurance, but in physicians reclaiming what we lost when we ceded control to insurance companies.

This blog is provided by David Gentry, owner of Sites That Sizzle.

ObamaCare: The Freedom Option

obamacare

President Obama strongly declared: “If you like your doctor, you can keep him,” and “If you like your insurance plan, you can keep it.”

We know how that worked out.

In this session of the Supreme Court, the court will rule on an important provision of ObamaCare involving subsidies. The decision may require major changes to ObamaCare, and the Republicans need to be prepared to offer an alternative. Mr. Phil Gramm, a former Republican senator from Texas, recommends “the freedom option.” If you like ObamaCare, you can keep it; if not, you can choose a health plan you prefer: Freedom Choice.

The Bureaucrat Sitting on Your Doctor’s Shoulder

This is a stunning glimpse into the world of doctors in the U.S. today. It is from The Wall Street Journal of May 22, 2014.
#ObamaCare #Health Care #Government Regulations

Bureaucrat on Shoulder

Zane Pollard Article

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My Own ObamaCare Story

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#ObamaCare #Health Care

I took my sister who has dementia to an optometrist for further tests to determine if my sister has glaucoma. My sister is covered by Medicare Disability.

The visit in the examining room took two hours. For an hour and forty-five minutes of that time, my sister and I were with someone who described himself as “a technician.” The optometrist examined my sister and the results of the tests administered by the technician. Thank goodness the optometrist said my sister’s eyes do not show any sign of glaucoma!

microscope clip art

What struck me about this experience was that during most of the time with the technician he was completing a form on a computer while questioning us. He explained that this was a new form from Medicare, and if even one field was not completed the clinic would not be paid by Medicare. Our next visit would take less time.

I know that doctors are being paid less than they were by Medicare. How can they afford to spend two hours with every new patient? I was left with a fear that this situation can not continue. Many doctors will not accept Medicare today, and the list is growing fast. Will our new optometrist drop Medicare? If so, what will we do?

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A Doctor’s ObamaCare Story

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#ObamaCare

doctor clip art
This is a doctor’s story in his own words with full attribution to The Wall Street Journal of April 29, 2014.

A Doctor's ObamaCare Story

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Unfortunately, It’s True: A Woman’s Cancer Medicine Is Not Approved by ObamaCare

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#ObamaCare

[I am the author of this blog, and I regret that I have not posted anything in the last few weeks. My day job has interfered! I will not be able to post much for the next 2-3 weeks, but I will resume after that.]

Unfortunately, my cartoon prediction that I created in December 2013 has become true in some cases, although I truly hope not exactly as I predicted in the nearby cartoon.

ObamaCare, January 2014

Mr. Stephen Blackwood’s ObamaCare and My Mother’s Cancer Medicine, in today’s The Wall Street Journal, is the horror story of one woman’s valiant fight to get her cancer medicine covered by ObamaCare. Her claim has been rejected and is under appeal. This is one person’s story. How many other people have had their cancer medicine canceled by ObamaCare? It is depressing to even imagine.

Mr. Blackwood’s mother had a Blue Cross/Blue Shield plan that covered her cancer medicine. Then it was declared illegal under ObamaCare, and her coverage was canceled.

What makes this story additionally fearful is that Mr. Blackwood’s mother is a medical office manager with decades of experience! She has had the by now frequent experience of many individuals of spending many, many hours working to get her questions answered by the unbelievably complex ObamaCare bureaucracy. If she cannot easily navigate ObamaCare, who can? How many tens of thousands who do not have her medical experience have just given up? Mr. Blackwood concludes his article, “It [ObamaCare] will cause many individuals to suffer and die. We can do better, and we must.”

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Republican Health Care Proposal

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#ObamaCare, #Reason.com

As an alternative to ObamaCare, three Republican senators are offering a proposal for discussion: Sens. Coburn (Okla.), Burr (N.C.), and Hatch (Utah).

Peter Suderman says, “The goal isn’t to rethink the health care system. It’s to make it better, cheaper, and more accessible for the majority of people”: How Republicans Could Replace Obamacare.

The proposal retains popular components of ObamaCare. Mr. Suderman explains:

Most forms of rescission, in which insurers unilaterally terminate coverage, often when expensive treatments begin, would be prohibited. (Insurers could still cancel plans in instances of clear-cut fraud.) The proposal would continue to allow dependents up to the age of 26 to stay on their parents’ health plans. And it would eliminate medical underwriting for the continuously insured; those switching plans, even from employer coverage into the individual market, would not have to worry about being denied coverage due to preexisting conditions. If you have a plan, you can keep your plan—or get another one.

Republican Health Care Proposal

The uninsured would have an opportunity to purchase health insurance, but would not be forced to do so. Tax credits would be available to help people who otherwise would not be able to afford insurance.

The bill is called, “The Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act.” It will be most interesting to follow the bill.

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This blog is provided by David Gentry, owner of Sites That Sizzle: Yours Will, Too! My company’s new name is Sites That Sizzle, LLC.

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