I smell something rotten and it’s not blowing from Denmark. It’s the stench of tax dollars paying for Healthcare.gov’s nationalized healthcare promotion. You’d think that all hours news media coverage would be enough to promote this latest slide into Socialism, but you would be wrong. At every hour, on every channel, we are coming to know the few who have purchased insurance coverage from the government run “exchanges” that make healthcare affordable to everyday people. People like James, from Pensacola Florida.
I like James. He seems like a nice guy. I’m glad he gets to pursue his dream of playing in his workshop and only has to pay $100 a month for health insurance. Wait, what? a HUNDRED dollars a month? Why, I’m paying much more for insurance and I’m not a diagnosed diabetic. How can this be? Diabetes treatment has to cost more than a hundred dollars a month, right? With blood testing kits, prescribed insulin, regular doctor’s visits, not to mention any other health maintenance HAS to cost more than $100 a month. Of course it does, but the most curious thing James has to say is that he’s always been able to afford health insurance – in the past, but companies would just not cover him. Watch the video to hear his “story”:
He said he could always afford it, so there must have been a premium he could afford in the past. Can he simply not afford it anymore? We don’t get that explanation, just the implication that the evil insurance company wouldn’t even give him insurance, but what remains unanswered is if it was regardless of premium. Perhaps James was recently diagnosed as diabetic, and was then denied coverage. It’s a curious ambiguity, so let’s just move on to some of the other claims such as auto accidents. James says that you could be bankrupted by some random driver on the road if he crashes into you. But in every state of the union you are free to purchase uninsured motorist coverage which covers you in those instances. In some states, catastrophic coverage is also added to the cost of all auto insurance to cover those with bankrupting healthcare injuries. In fact, many health insurance policies won’t even cover you if you get in an auto accident, because the auto policy takes precedence from the bodily injury portion of the auto insurance plan. I suppose the next line of socializing this cost is to nationalize auto insurance, but I digress…
James lives in a nice, suburban neighborhood from the glimpses of his surroundings. He also drives a 2004 Jeep wrangler. Yes, it’s 10 years old, but it undoubtedly has a custom engine package due to the extra gauges on the A-pillar, as well as a custom seat package. This car cost $25,000 10 years ago, but since were stymied with ambiguity and unanswered questions, lets assume he just bought it used, or at least when he could previously afford his own insurance. It’s a nice car, and I’m going to guess the insurance on it costs about as much, or more than his new health insurance package. James also has an Imac. Or is it iMac? Whatever the case, he’s shown surfing the healthcare.org website in what I can only assume is his home. A Mac that costs at least $1200 is affordable to someone who gets new health insurance from Obamacare. He also has a large metal shop with a plethora of expensive tools, anvil, forge, plasma cutter, large compressor, and welding equipment. James is, in my opinion, pretty well-off. Well-off enough to afford his own health insurance – if someone would only agree to cover him.
To be fair, and not pick on James too much, we’re never told how much he actually pays for his new insurance. Perhaps he is one of the overpayers that subsidizes the cost of this new government insurance for all the young, underpayers the system needs to pay for itself. Maybe he’s paying more into the system than he’s taking out. We don’t know because this information is hidden from us, and we are forced to focus on the only information provided which is the purpose for this commercial: That is, the pre-existing condition that has denied James insurance before the existence of Obamacare. The real question is why people are denied coverage because of pre-existing conditions in general. We know the answer is that their associated cost as a patient far outweighs their ability to pay premiums. From this we must assume that the cost of James’ insurance could not possibly be as much as he SHOULD be paying since the insurance company has no knowledge of his pre-existing, diabetic condition. Therefore, James must be an underpayer.
Now watch the rest of these public service announcements and realize that all of these people are underpayers. Stacy is now free to be get her BA and do charity work because she pays a fraction of what her heath insurance is worth. Korby can pursue his artistic, guitar playing dream and pay something insignificant for coverage. Justin can be a bartender and pay $15 a month for coverage. Stefania is now free to create an empanada empire for $98 a month. Ali can now engage in risky, injury prone behavior like rock climbing and league soccer. (It gives him a rush to climb walls wherever they are available) And Mark could start his business because he only pays $78 a month for coverage. How can all these people be underpayers? Who pays for their deficit in the system? I do. You do. All the middle class people who have regular heath insurance and see their premiums go up 5-20% every year.
The same insurance companies are underwriting the plans for these government exchanges, only they’re getting subsidies from the government to do so. The recipients’ “subsidies” for their policies are funneled directly to the insurance companies, and the government is covering the risk of the subscribers. Even disregarding those people, Obamacare requirements such as non-denial for pre-existing conditions in regular policies is increasing the premiums for everyone else in the regular risk pool. That means you and me. Any deficit, will be covered from increasing MY premiums 5-25% every year as my insurance company has been doing for the last 5 years. Wait, yours too? It seems like they must have seen this coming. Skyrocketing medical costs have also been trying to hedge their future earning potential by raising prices. Perhaps they knew this was coming as well. Everyone is going to make money on this deal except people like us, who pay for the amount of coverage we get, without assistance. Government collects the tax – they make money. Show me a bureaucrat who wants to quit his job. Insurance companies get the premiums and don’t have to pay the same rates as I do, so they still make money. Some are non-profit, you say? Show me an insurance executive that doesn’t drive a nicer car than mine, I say. And the doctors, of course, aren’t going to be dragging ass to the poor house – especially when they can charge $179 for a 7 minute office visit, and $3000 for a cat-scan. Which bring me back to James who claims to have been denied insurance because of a previous diagnosis. The Obamacare law has made this illegal. No insurance company can do this, so his claim MUST be false. James just cannot afford the premium and is now being subsidized by someone else on a government exchange policy.
These chronic underpayers are subsidized by others’ insurance premiums, like mine, which total over $1000 a month. Next year, it will be over $1250/month. We have to pay for all the unknown costs of people like James who cuts his finger off with a plasma cutter because he went into diabetic ketoacidosis; Ali, who falls off a rock-wall and needs emergency surgery; And Korry, who likes to sit around and write songs about old girlfriends all day. We even get to subsidize Mark’s new business computer by helping pay for his health insurance. I hope all these nice folks are thankful we are allowing them to pursue their dreams and take on risky behavior without having to pay for it. Maybe someday my kids can work hard and pay for their retirement and their nursing home care, too.