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Is Obamacare’s Fatal Flaw Taking Effect?

The healthy must subsidize the sick, and the healthy are opting out. (Also read Stephen Green's "Your Obamacare Fail of the Day")

by
Paul Hsieh

Bio

May 22, 2013 - 12:10 am
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As author Ayn Rand’s noted in her novel Atlas Shrugged:

A viler evil than to murder a man, is to sell him suicide as an act of virtue. A viler evil than to throw a man into a sacrificial furnace, is to demand that he leap in, of his own will, and that he build the furnace, besides.

That’s what is happening with Obamacare.

But this also means that Americans have a powerful weapon — their ability to say “no.” If the Obama administration needs our willing cooperation for their law to work, we can fight back by withdrawing that cooperation. As Dr. Megan Edison recently wrote in response to the call for her and her fellow pediatricians to funnel more patients into ObamaCare, “Primum non nocere. I will not comply.”

Peaceful non-cooperation with the authorities is a tactic with a long and noble tradition, used successfully by men such as Mohandas Gandhi and Martin Luther King.

ObamaCare won’t go down without a tough political fight. But Americans have the ultimate weapon on their side — their ability to say “no.” Don’t buy into the coming PR campaign. Don’t encourage people to sign up for the government-run insurance “exchanges.” Circulate articles and blog posts critiquing the health law. Support state governors who refuse to cooperate with federal mandates. But most importantly, don’t be a willing accomplice to a health law you don’t support.

Millions of concerned Americans, including Dr. Edison, are already saying “no” to ObamaCare. Will you join them?

(Also read Stephen Green’s “Your Obamacare Fail of the Day”)

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Paul Hsieh, MD, is a member of the Colorado chapter of Docs4PatientCare (www.Docs4PatientCare.org) and co-founder of Freedom and Individual Rights in Medicine (www.WeStandFIRM.org).

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Top Rated Comments   
So a former White House "health policy adviser" openly admits that ObamaCare is just a Ponzi scheme:

"In effect, the young people who incur relatively fewer medical expenses must pay enough in premiums into the system to subsidize the expenses of older, sicker patients."

Maybe the reason young people aren't signing up is that they get dozens of spam emails every day promising similar windfalls should they just send someone their bank account number...
1 year ago
1 year ago Link To Comment
I find it very instructive, when discussing Obamacare with my younger colleagues, to ask them to substitute "car insurance" for "health insurance" and see how they like it. I say "just imagine--you are an excellent driver with no accidents, but you will now have to pay extra so that the terrible driver can enjoy the exact same premium. Oh, and they can buy their insurance AFTER they have an accident."

Needless to say, people are horrified once the notion of "fairness" is replaced with a little cold, hard fact.
1 year ago
1 year ago Link To Comment
I'm beginning to like that Supreme Court Decision. The thought of Americans themselves tearing this thing down is quite satisfying. Who knows, once people (esp young people) find out what they voted themselves into, they might start reading the news, questioning political candidates, and occasionally considering the other side of the story.
1 year ago
1 year ago Link To Comment
All Comments   (39)
All Comments   (39)
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We do need to fix the health system,but not with the Obamacare.
Must be sn easier way to get health insurance.LIz
1 year ago
1 year ago Link To Comment
I am amused that the <30 hour tsunami is building.
1 year ago
1 year ago Link To Comment
Ah yes, and now we will all find out that "There is no such thing as a Free Lunch", somebody must always pay the bill..... The game is to scam that person who is tricked into paying so they do not understand how the just got screwed.
This is true Socialism, or Communism, same stick, different color, but with the same affect....
Next we will find that no one is interested in working in the Medical Field because there will be no incentive, wages will be capped.
Why do you think some people choose high stress professions and others just coast along day by day at the old fishing hole setting in the shade.
Insurance is nothing more than gambling on your future.
Me, I will not join any plan, nor will I buy insurance. I will save my money and when I get sick I will pay the doctor bill myself, been doing it all my life and am approaching 80 years.
1 year ago
1 year ago Link To Comment
The Death Panels will make the needed" adjustments".
1 year ago
1 year ago Link To Comment
I just got a letter from my primary care provider saying he was "opting out" of being my primary HC provider, but would share his practice with another doctor. He would still see some patients but only on a limited basis. Why did he leave?

To work the adminstrative side of the practice, ostensibly to deliver better care through the "patient centered medical home" model. I don't begrudge him doing this if he really believes it, but I suspect like my most of friends who are physicians, working harder and getting paid less (and their liability insurance isn''t going down) just ain't worth it. They see where the money is going and it's in administering this massive bureacracy called Obamacare. A sad but entirely predictable outcome - the good doctors will become "boutique providers" and just eschew the Obamacare mess if they can, or go into administration.

1 year ago
1 year ago Link To Comment
and how many unions that supported the president are looking for waivers
1 year ago
1 year ago Link To Comment
Unions don't have a problem getting waivers but how about those conservative organizations? Boy how the IRS loved messing with them! Well somebody has to pay for it right? You can't have everyone getting waivers.
1 year ago
1 year ago Link To Comment
It should have been obvious that health insurance must include the young and the healthy to be affordable, and therefore, the young and healthy must either be forced to buy it or pay a penalty comparable to the excess of what their premium would be minus the benefits they would have received.

If to get it passed they made the penalty too low, then it is indeed an imminent train wreck.
1 year ago
1 year ago Link To Comment
It was always going to take affect. The problem was that the penalty for not buying the insurance was always too low, and it was made intentionally too low just to get the bill passed in the first place. The individual policy market is going to collapse, and collapse quickly.
1 year ago
1 year ago Link To Comment
Obamacare, and any kind of national health care system, will be killed by math.
Canada and Europe are already running into this.
With the exception those of us "lucky" enough to die suddenly and unexpectedly, we will all experience the slow decline and failure of our bodies. Eyesight will fade, joints will give out. Organs will lose their efficiency.
Thanks to advances in medical science and technology, it is possible to counteract these problems. For a while. But at great cost.
It's one of the two reasons for those statistics about spending a godawful disproportionate share of medical expense on the last year of life.*
In fact, because the cost is so high and the condition, "aging" so normal, most of us will face this.
But the paradigm of insurance is to share the cost of rare and expensive risk among many. Sharing the cost of something most of us will face turns it on its head. How would auto insurance work if it covered the cost of maintaining your car in pristine condition indefinitely? It can't, which is why when it's gone too far, it's "totaled".

So the only solution will be to "total" people. The octogenarian who *might* make it another 10 years with a treatment costing $100,000 won't get it.

In a market health care system, a few rich octogenarians might. But in a socialist medical system, if everyone does, it bankrupts the system. Either the service is denied, or, more commonly, it is provided to a special few.

*The other is that you don't really know when that last year is coming, and with all that spending, it might not be, but without it, it most certainly will be.
1 year ago
1 year ago Link To Comment
I don't think many of us deny that, but the crux is that a free system gives an individual and his or her family that chance to make that choice based on what they know about themselves. The other system lets some far removed stable of bureaucrats make the decisions for everyone.

I proofread a lot of retirement home newsletters and see lots of pictures of the older generation. Some of them are over 100, and you would never know it to look at them. Others are maybe 15 years younger, give or take, and look like they're over 100. Who are some bureaucrats to assess the relative quality of life for each individual. Obviously, some centenarians are still full of life and healthy for their age while others are barely scraping along at a much younger age. Those bureaucrats would sign them all off at the same line.
1 year ago
1 year ago Link To Comment
I agree with you, most people just can't accept death. In most cases it comes down to spending every cent in your savings to cheat the inevitable or passing that money on to someone with much more life to live. When my time comes I will not waste money trying to cheat death, the house always wins. My goal is to go as painlessly as possible. Real compassionate end-of-life care would make this easier but we are not enlightened enough for that yet.
1 year ago
1 year ago Link To Comment
Good insight, and you hit it on the head: beyond the control aspect one of the goals of socialized medicine is to make it just like auto insurance. Except it isn't. (no one insures a junker, right?)
But to the leftist death cult, telling the octogenarians to hurry up and die is just part of their credo. It's part of their love affair with infanticide; a logical extension of their worldview.
1 year ago
1 year ago Link To Comment
In a realistic sense, no society can meet the cost of providing everyone with all the health care service that now exists without bankrupting itself. The rest of the developed world spends about 2/3rds or less of what the USA does. We are running close to three trillion dollars a year in medical costs, and will be over that level once Obamacare kicks in. The cost of health care in the US has now reached the point where it is starting to overburden our economy. Economic growth is stalling out, and the problem will be considerably worse with the costs of Obamacare. Adding the burden of health care premiums to recent college graduates with big student loans to pay off and the result will be that many people will have so little disposal income left over that any major purchases of automobiles, houses, will be completely out of the question. The US standard of living will drop, the "Great Recession" will continue. Eventually we will no longer be able to afford the world's most expensive military any longer. We will have to withdraw back to what we can actually afford, which is going to be limited more towards actual "national defense" than attempting to police the world. Great Britain could no longer afford to maintain the "Empire", nor could the rest of Europe after WW2. The same will happen to the US. Our future role in the world will be considerably smaller than it is now. We cannot afford to maintain the health care system we seem to want, and will have to accept what we can afford. Which is going to be a lot more like what the rest of the developed world is providing right now.
1 year ago
1 year ago Link To Comment
It isn't that people are opting out, it is that they can't afford coverage anymore. I'm self-insured and my premium has already doubled thanks to Obamacare and will is predicted to go up another 60% or more because of Obamacare's mandates, not a one of which will benefit me in any way. If it does, it will be nearly impossible to afford anymore. A number of my self-employed friends are in the same fix. At least I don't also have a family to worry about covering. This isn't even counting the "Cadillac Tax" that some of us will soon "qualify" for because Obamacare has inflated our rates so much.

Very simply, Obamacare was NEVER about health care and was ONLY about control. If it were about health care it would never have involved the IRS and all the information collection the bill requires. If it had been health care, they would have offered a basic health insurance package to everyone, or subsidized one, or a basic subsidy of say $300 or $400 per month to everyone in a health savings account type of plan. This money could buy a policy and accrue the rest, plus whatever the individual added. While far from an ideal solution it would cost less and do less harm than Obamacare. But it also would not permit the kind of control Obama wants so...
1 year ago
1 year ago Link To Comment
You might think people could look at ANY government run system and recognize their inability to provide great service for low cost. Government is the problem, not the solution.
1 year ago
1 year ago Link To Comment
Going by my own personal experience, there is a great deal of "waste" in our present system, much of it driven by the fact that the more people a doctor can squeeze into his waiting room, the more money he or she can earn in return. I'd guess at least half of all people sitting in a waiting room wouldn't be there if they could obtain their medicine without any need for a doctor's prescription. Simply taking the blood pressure and cholesterol drugs off "prescription" to "behind the counter, adult signature required" would probably empty half those seats in the doctors' waiting rooms. And the insurance companies are part of the problem too, not part of the solution. I'm thinking that low cost loans for needed medical services might make more sense than the sort of health insurance that we have now, especially as the "administrative overhead" of these insurance companies is comparable to the interest rates charged by banks for their credit cards, a big money maker for them BTW. There are "alternatives" out there, we only need to discover them.
1 year ago
1 year ago Link To Comment
Who Knew? Bumblebom(look up-it's interesting) O, satrap in disguise, is a control freak! No wonder O seems addled at times. Hard work, that, controlling people.
1 year ago
1 year ago Link To Comment
There is a book about economics called "The Cartoon Introduction to Economics: Volume one: Microeconomics."

In it, one of the examples is how something like Obamacare would wreck the insurance industry. Simply put, premiums would have to rise to cover the sickest people who would be added to the system (plus all the freebies). This would have the effect of pricing people out of the market because they couldn't afford their policies anymore. Reality is that easy to comprehend, but I guess when one is blinded by arrogance and lust for power, reality must be ignored.
1 year ago
1 year ago Link To Comment
Problem with Obamacare is about the same as Michigan's auto insurance system which provides lifetime coverage for anyone injured in an accident. The net result of this is auto insurance rates considerably higher than what people pay in surrounding states. Under Obamacare there are no "limits" to the maximum level of coverage, which means that no insurance company can be sure what they might end up paying out. Naturally under such conditions the premiums are going to be far higher than they'd be if there was a "limit" imposed upon coverage. The joker in all this is that at some point people just have to accept that they are "mortal", that there are no "immortals" (at least not in this world) and enjoy what life they have...
1 year ago
1 year ago Link To Comment
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