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Maine, Tennessee, Massachusetts Universal Healthcare Plans a Bust
Written By : Warner Todd Huston

Both President Obama and the Democratic Congress have ignored the mess that three states have made of their economy and tax burden by attempting to create a public option and/or universal healthcare. Tennessee has its TennCare program, Maine has tried a “public option” program, and Massachusetts has its RomenyCare system that promises healthcare for all. Each of them has been a boondoggle for the taxpayers and has failed to deliver promised savings and enhanced coverage.

In fact, each of these states have begun to cut services to people because the costs have skyrocketed despite claims that “savings” would occur and that everyone would get more coverage.

Last week, the Wall Street Journal had a piece by Wendy Williams saying that the “fines” Massachusetts imposed on people who ostensibly didn’t have insurance coverage — an idea that Obama wants included in his Obamacare policies — now falls even on people with insurance in the Bay State.

Initially this fine imposed by the Mass. legislature was supposed to force people to get healthcare insurance. But “without informing anyone” the legislature decided just getting insurance wasn’t good enough. To avoid the fine now Mass. residents have to get the kind of insurance of which the government approves.

Why? Because Massachusetts requires every resident to have health insurance, and this year, without informing us directly, the state had changed the rules in a way that made our bare-bones policy no longer acceptable. Unless we ponied up for a pricier policy we neither need nor want—or enrolled in a government-sponsored insurance plan—we would have to pay $1,000 each year to the state.

Mrs. Williams and her husband saved their whole lives, paid their mortgage, paid down their bills, all in order to live as self-sufficient citizens. And now, because they don’t have the sort of insurance that the Sate of Massachusetts approves of, they have become criminals in the eyes of the state and must be fined accordingly.

But, here is the most salient part of this story. Initially, Mr. And Mrs. Williams were not affected by the RomneyCare fine. The original law allowed that all a citizen had to do to avoid the fine was to get some sort of insurance. But now the rules have changed. Now Massachusetts has decided to force people to buy a particular sort of healthcare insurance. And that is precisely the thing here.

Once government decides that it has the power to intervene and regulate a thing, the capriciousness of government is forever visited upon that thing. All it takes is some idiot Senator, or some bought off Representative to decide to slip in a change to the law to suit his patrons or serve his wild ideas. The people can never count on government to make a rule and stick with it. Changes will happen every year and people will be left negatively affected.

So, even if you think only “the rich” are going to be hurt by Obamacare, think again. Sooner, rather than later, YOU will be hit hard by some fool official in the government that changes the rules. And those rules will change so much that neither you nor your doctor will be able to keep up with them.

The best healthcare reform is to get government OUT of it. The more government gets its greedy hands on a thing, the more ineffective that thing becomes. It’s just that simple.

(Cross posted at HealthcareHorseRace.com.)

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  • http://networdblog.blogspot.com/ Christopher_Taylor

    You left off Oregon's disastrous health care plan which has providers fleeing the state.

  • TheBaud

    Another thread that will be summarily ignored by our resident Liberals!

  • BIG

    What makes you think Democrats consider these failures as something wrong? The evidence of their failed policies are strewn across the decades and every failure is either completly ignored or misrepresented. And just their ideas have failed everywhere they have been tried, that doesn't mean to them that the next time it will work.

    The Democrats aren't interested in the quality of healthcare in our nation. They just want complete control over it to turn it into another patronage boondaggle.

  • wylie_e_coyote

    "AHIP: Reform will add $4,000 per year to health care premiums"

    As the Senate Finance Committee prepares for a Tuesday vote on health care reform legislation, the private insurance trade group under the America’s Health Insurance Plans (AHIP) has gone on the offensive saying Max Baucus‘ America’s Healthy Future Act would actually escalate the already skyrocketing rise in health insurance premiums. In a report issued by PriceWaterHouseCoopers and commissioned by AHIP, researchers found that insurance premiums could go up by as much $4,000 per year (an 111-percent increase) if Congress adopts the plan now know as BaucusCare versus a 79-percent increase if no reforms are adopted.

    Key Findings

    Health reform could have a significant impact on the cost of private health insurance

    coverage.

    There are four provisions included in the Senate Finance Committee proposal that could

    increase private health insurance premiums above the levels projected under current law:

    o Insurance market reforms coupled with a weak coverage requirement,

    o A new tax on high-cost health care plans,

    o Cost-shifting as a result of cuts to Medicare, and

    o New taxes on several health care sectors.

    The overall impact of these provisions will be to increase the cost of private insurance

    coverage for individuals, families, and businesses above what these costs would be in

    the absence of reform.

    On average, the cost of private health insurance coverage will increase:

    o 26 percent between 2009 and 2013 under the current system and by 40 percent

    during this same period if these four provisions are implemented.

    o 50 percent between 2009 and 2016 under the current system and by 73 percent

    during this same period if these four provisions are implemented.

    o 79 percent between 2009 and 2019 under the current system and by 111 percent

    during this same period if these four provisions are implemented.

    (From PriceWaterHouseCoopers’ Potential Impact of Health Reform on the

    Cost of Private Health Insurance Coverage)

    The timing of this new report couldn’t be worse for the White House and Congressional Democrats as three key members of the Finance Committee – Democrats Kent Conrad and Blanche Lincoln along with Republican Olympia Snowe , have yet to announce their intended votes on the bill but have all expressed concern over the potential costs to consumers if Americans are forced to purchase health insurance via an individual mandate which is included in not only the Baucus bill but all five of the bills currently being considered on Capitol Hill

    WE NEED TO KEEP THE PRESSURE ON SNOWE, LINCOLN

  • wylie_e_coyote

    Government Intervention at the state and federal level are one of the primary causes of Health Care and Health Insurance cost increases – and Bacus/Obama care proposes a vast increase in this government intervention! The continued underpayment by the Federal government from the Medicare program is at present made up for by medical providers by passing the losses they are forced to take treating Medicare patients on to Private Health Insurance firms and self-payers in the form of higher billings for similar treatments. For privately insured individuals, this is reflected in higher premium costs. None of the proposals you support would change this dynamic in the least. In fact, your support of the Individual Mandate provision would simply accelerate and worsen this trend. I can see where this is good thing from the perspective of a Washington politician but this is very bad for average Americans.

    Several state government policies which basically prohibit Health Insurance companies from offering a full range of policies and pricing based on risk has also lead to skyrocketing costs. Rules such as one-size-fits all "community rating" laws to equalize pricing and mandatory coverage of everything from Mental Illness to sex changes have effectively turned Health Insurance companies into pre-paid medical plan administrators. Democrats propose to take this bad trend and the state level and elevate it to federal law. Again, this will cause prices to skyrocket.

    Next, the lack of a truly competitive Health Insurance market effectively eliminates the possibility for price competition. Several states have laws and regulation such as I cited above that basically keep smaller Health Insurance firms from entering into that state’s market. This had led to a proliferation of several state semi-monopoly markets for large Health Insurance firms. Democrats support of a Federal Health Insurance “Exchange” concept would basically take these bad state policies and make it Federal law. In essence, you advocate the creation of a national Health Insurance Monopoly for in your support of the so-called "Exchange" idea – only the biggest and wealthiest firms can afford to compete. This will have the effect of reducing competition and choice and push costs ever upwards. And to make matters worse, you give these large and wealth Health Insurance firms millions of unearned customers thru your support of the Individual Mandate! The experiment with Mandatory Insurance in MA, TN, and HI has shown that costs will soar under this kind of scheme.

    From Democrats public statements, one would have guessed they were no friend of large Health Insurance firms but their actions indicate that they are actually one of their biggest supporters! If you truly wanted to squeeze the “Evil” Health Insurance industry and bring insurance costs down you would force them to compete for our business not deliver it to them on a silver platter!

    Finally, a large driver of costs in Health Insurance and medical treatment is simply due to an aging population. There are a huge number of baby boomers who make up a large portion of the Health Care customer base (80 of 135 million), so naturally their increasing costs of medical care must be passed on other policy holders. Again, the Democrats so-called "solutions" does nothing to address meeting the demand which is the true underlying cost driver! Unless Democrats are prepared to outlaw aging, we should be looking at ways to increase the supply of Medical services and empowering patients to act as cost conscious consumers not simply forcing more people to dump more money in the pot. Democrats support of the Individual Mandate forces the young and healthy to buy more Health Insurance then they may need or want to cover the costs for the old and sick. Again, this is a very disingenuous and coercive way to simply paper over the problem and simply props up the worst features of the present system.

  • no_hope_lotsa_change

    Posted by TheBaud

    2009-10-12 14:26:44

    I'll attempt to fill in for them:

    They didn't fail. They just need more money. Do it for the children! Do it for the minorities!

    [/moonbat]

  • http://www.conservablogs.com/theconservativecrawfish/ reelman

    MY OCT 14, 2009 PREDICTIONS…THE HC PLAN WILL….

    1…Cost at least 800 billion (borrowed money mostly) and current fraud will never be properly addressed (as usual)

    2…Include at least 10-20 new fees and taxes (passed on to the consumer of course)

    3…Have dozens of new unelected panels, boards and commissions

    4…Cause rationing at some level for some groups

    5…Give birth to HC Reform II within 3 years (because the socialists never get it right or all the control they want)

    6…Cause major paperwork headaches for the medical-insurance industry

    7…Be proclaimed by the socialists "a great reform that will eventually be superior" (but that day never arrives)

    8…Be at least twice as expensive 5 years from implementation than socialist estimates this year

    9…Not address properly the 3 main helpful cost issues (portability, multi-state plans and tort limits)

    10..Cause even more seats to be lost by the socialist party late next year (as details-effects start becoming known…see above)

    The socialist democrat party leaders will rejoice and brag as if they balanced the budget yesterday and won the PowerBall this morning.

    Its always intentions and words for the rainbow dust crowd….never results and reality.

    The gov-meant will not improve HC…if that was true then all those other huge medi-programs would not now be broke and full of fraud that is never cut out…just talked about for years.

    Their bill is gonna hurt. Really hurt.


    http://conservablogs.com/theconservativecrawfish

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