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Posts Tagged ‘healthcare’


Posted by Euroranger on October 4, 2013

Oh look…it’s our economy under the leadership of Hopey McChange.

I’m not a self-important man.  I’m not a petty or boastful fellow.  I’m not so convinced of the superiority of my intellect and/or common sense that I disdain others’ opinions automatically.  I can and have been known to be wrong (if you consult the lovely and talented Mrs. Ranger she will enthusiastically confirm this).  I actively police my opinions for such personality flaws.  I do try and “put myself in the other guy’s shoes” and try and discern the merits of opinions I don’t necessarily share.  Because of all that, I’m going to write this post to memorialize something I’m about to say that, I believe, will turn out to be probably (sadly) prophetic:

Obamacare will seriously gut this country’s economy

I’ll keep this brief (and I really mean it this time).  All I’m going to do is to spit out a few facts of my own personal situation and then make a few observations and leave this here so we can all either come back and laugh at it later…or wonder why, if I was so damned prescient, didn’t I play the Powerball.

I am a married father of 2 kids living just outside of Atlanta, GA.  Our ages are 47 (me), less than 47 (Mrs. Ranger), 13 (Ms. Ranger), and 11 (Mini-Ranger).  None of us smoke or are morbidly obese.  We have a health insurance policy that I secured via eHealthinsurance.com that I pay $4665 per year in premiums that features a prescription drug plan and has a 20% co-pay and $3500 individual deductible.  It’s with a reputable highly rated company.  It’s not cheap and the coverage is, by no means, one of those “Cadillac” plans we’ve been hearing the President and his parrots in the mainstream media snorting derisively at.  I’m a middle class guy earning a middle class paycheck and this is the health insurance coverage I can afford.  Obamacare, as pretty much all of you by now have heard, started a few days back (October 1).  I’ve had coverage so I never really concerned myself all that much the dire doom and gloom warnings we’ve all heard about the economic Armageddon we’ll all get cordially invited to when the entirety of the the ACA (the soon-to-be-widely-recognized-for-its-immense-irony named Affordable Care Act, aka: “Obamacare”) kicks in.  That said, I got a letter in the mail from my carrier the other day inviting me to partake of a one time opportunity to reset my current health policy to a December 1 inception date (so that it runs from 12/1/13 to 11/30/14) for a mere monthly premium increase of $40.  I looked at this letter and wondered “why the hell would I volunteer to pay nearly $500 per year more for the same coverage I already have”?  It was then that I came across an online forum wherein a poster (we’ll go ahead and safely and with little real debate refer to him as “f***ing idiot”) was crowing about what a great thing Obamacare is and will become.  To prove what a great thing it is, he helpfully posted a subsidy calculator (check it out here: http://kff.org/interactive/subsidy-calculator/) to tell you how much “free money” you’d qualify for to help pay for your healthcare due to the changes coming with Obamacare.  Needless to say, because I worked hard, went to school, got an education and then actually worked at many and several jobs over the years…my family doesn’t qualify for a subsidy.  Oh well, I thought, that’s hardly surprising.  But what I read further down the page on that site after I entered my details really took me by surprise.  It told me that the predicted cost for an unsubsidized premium for a “silver plan” (read: “worse than the plan I currently have”) would be $9780 per year.  Let me say that again: for worse coverage (in our case, higher deductible and coverages we don’t need, don’t use and don’t want) we can expect to have to pay 109% MORE THAN WE DO NOW!  Even their cheapest plan coverage level, “bronze”, comes in at a predicted $6656 per year or just a 42% increase (and with much, much worse coverage).

It’s almost like he’s talking to every voter who cast a vote for Obama…oh well, the 1%’ers will now be the people with good paying jobs AND healthcare. Way to go you f***ing ignorant illiterate idiots.

Well, after I emptied the outrage-inspired crap out of my trousers, I said “to hell with predictions, let’s go quote a policy and see what I can find”.  So, I went over to eHealthinsurance.com (where I bought our last two policies) to see what I could get for a quote today.  Cheapest that I can quote now is $7104 per year and that’s with the deductible getting jacked up to $6350 per person and going to a 30% copay. That’s a jump of 53% in a single year…and that’s literally the cheapest private option on that site for us for much worse coverage.

Just to summarize: I’ve been “invited” to extend our current coverage and pay an additional $500 per year to do so but because of the absolute crap premiums I’m staring down due to Obamacare, that’s actually a great deal.  The absolute best I can hope from, from what I’ve been able to discern just earlier today, is a jump in my family’s health insurance premiums of at least +40%.  Let me be clear here: this isn’t predictions or estimates or “according to statistics from blablabla”.  This is the actual, no shit reality me and my family is facing as a direct consequence of this country voting for Barack Obama as our president.

That’s the best case scenario…and I get absolutely nothing more for that huge outlay than I’m getting today.  To put it another way: my already tight budget is going to need to squeeze out an additional $2000 in 2014…all so someone else can have what I have but didn’t bother to work for to afford.  And this is merely the best part.  We didn’t even discuss what employers are going to do when this shitstorm hits.  Companies are already turning full time jobs into part time jobs (cutting hours and pay) because the employer mandate says the employer only needs to pay the health care premiums for full time employees.  It’s pretty mercenary of an employer to do that but hey, this isn’t their idea, is it?  Employers do what the economy dictates and this law dictates that full time employment will now become an elitist, status symbol…ironically driving even more people to the public dole than Obama has managed to do in his first 5 years in office.

The American Dream officially died today people…and you have Hopey Hussein McChange to thank for it.

My name is Euroranger and I approved this message.


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ObamaCare vs. SCOTUS, Round 1

Posted by Euroranger on March 27, 2012

Barry praying

Yeah...too little, too late, too false, sport. No amount of divine intervention's gonna save this steaming turd of a law now.

In the interest of holy brevity (which I rarely observe), I’ll try and keep this short today…mostly because, in a few months, this post will be rendered obsolete.

Today is day 2 of the Supreme Court hearing the case of the U.S. Department of Health and Human Services et al v. Florida…or otherwise and more famously known as “Obamacare”.  So far, the news today is that one of the thought-to-be crucial swing votes, Justice Anthony Kennedy, has been posing some skeptical questions to the government’s lawyers (the ones defending Obamacare) which, in turn, makes people start to think the court may indeed rule against Obamacare.  This is all info that can be found practically anywhere on the web today.  What’s interesting though is that we have a fight in court simply because of political cowardice…and that cowardice ought to be nigh unforgivable should this law be struck down as unconstitutional (which, I believe, it will be).

Why cowardice?  Well, it’s because of the issue that’s actually being argued in court today: does the federal government have the right to compel a private citizen to purchase a product they may not want to purchase?  This is being argued because of the coverage mandate language of the Obamacare law that states that, with only few exceptions, everyone must be covered by a health insurance policy by some future date or risk being assessed a penalty (call it a tax as well if you like) by the IRS on your next tax return.  The government is arguing that they can enforce this clause via the rights ensured to Congress via the interstate commerce clause of the Constitution.  The law’s opponents, naturally, have responded with the legal language equivalent of “bullshit”.

Anyway, if the federal government’s goal was for everyone to have medical insurance, wasn’t there a better and easier (and constitutional) way to do this?  Oh, you bet your ass there was.  It’s called “taxation”…something the federal government positively excels at.  The cowardice charge comes from me because this law SHOULD fail because the Congress didn’t have the stomach to do this the way they should have (if they were going to go this route of ensuring everyone is insured) and copped out by saying they were requiring people to buy their own.  Had the Democrats in Congress simply manned up and said “we’re imposing a new tax to pay for health care coverage”, issued people a voucher for X dollars per year to pay for it (probably via their tax return) OR simply given the taxpayer a choice of insurers their voucher could be sent to (so they wouldn’t simply pocket the money) so as to pay for the premiums then this law would likely survive and maybe do what it was intended to do.

But they DIDN’T man up, didn’t call it a tax when it really IS a tax and instead pussed their way out so that they could run for office back in 2010 without the claim hanging over them that they just ushered in the single biggest taxation increase in United States history.  What it boils down to is: they wanted to be re-elected more than they wanted (ostensibly) to help the country and its citizens.

Coming soon

This is one of those times you see the depth of wisdom of the Founding Fathers to have a Supreme Court to ride herd on the government.

The SCOTUS, I think, will strike down at least this portion of the law and rightfully so.  If you allow the Congress to get away with passing a law saying you MUST buy something then you’ve opened the Pandora’s Box a crack to allow them to decide you need to eat certain things, engage in certain activities, must read and possess certain texts, etc.  It is a way too intrusive step of the federal government into our lives and hopefully the Supreme Court will bitchslap this stupid law back to the frickin’ Stone Age.

You want universal healthcare?  Fine.  There’s really only one way to do it: expand Medicare to cover every single American for a minimum of basic medical coverage.  This will mean that your tax bill WILL increase but you get to do away with Medicaid and the VA.  Also, your private insurers will still survive because the coverage provided is basic…and they’ll sell supplemental policies which (if I had my way) would be strictly regulated.  But none of this will happen because our Congress doesn’t give a flying rat turd for the country when that care is opposed to their getting re-elected to office.  So, this law will fail, Obama was an idiot for proposing it, an even bigger idiot for going along with all the concessions he made to get it to pass and he deserves the full blame (along with Reid and Pelosi) when the court rightfully squashes this idiocy as it almost surely should and probably will.  And just so I’m on the record: I too believe we have a major problem with health care in this country and I believe the only ultimate solution is to go to some form of a single payer solution.  Only problem with Obamacare is: this ain’t it and it deserves to die so we can all deal with the shock of that and move to address the situation with a mature, comprehensive, bi-partisan plan.

I almost typed that last part without laughing out loud.  Almost.

My name is Euroranger and I approved this message.

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