ObamaCare problems and solutions

“A government which robs Peter to pay Paul, can always count on the support of Paul.” — George Bernard Shaw

“If you like your health care plan, you can keep it.” Do you remember that promise? President Obama spoke those words dozens of times. Well, it wasn’t true – and he knew it. His own Department of HHS estimated and published in the Federal Register in 2010 that 93 million Americans would have their policies canceled in order to meet the requirements of ObamaCare. For the next three years, Obama continued to tell people they could keep their plans, even though he knew it was not true.

The fact checking organization, PolitiFact, rated Obama’s statement as “Lie of the Year” for 2013. The Washington Post’s Fact Checker gave it four Pinocchios and also ranked it “Lie of the Year.”

New Hampshire’s Senator Jeanne Shaheen and Congresswoman Carol Shea-Porter joined in Obama’s lie of the year, repeating it many times. It is possible that they did not know it was a lie, but they certainly should have known it.

Then last year, cancellation letters went out to some 4 million Americans. Millions of people were perfectly happy with their plans, but the ObamaCare law did not allow them to keep their plans. Virtually every major NH newspaper has run stories about the turmoil caused by ObamaCare-mandated cancellations.

People lost the plans they liked, may have lost their nearby hospital, may have lost the doctor they’d been visiting for decades. In New Hampshire, the one and only insurer on the ObamaCare exchange nixed 10 of the 26 New Hampshire hospitals. In parts of the state, you may have to drive 2 or 3 hours, halfway across the state to go to a new hospital, driving right by your old, much closer hospital. Some people had to give up the doctor they have been seeing for decades and find a new doctor perhaps hours away.

Even worse is that the new ObamaCare policies don’t cover care in hospitals outside NH. Some of the best doctors and hospitals in the country are in Boston, but NH citizens cannot go there. The Union Leader reported about a woman who was told by her Nashua hospital that her cancer was untreatable. Under her old insurance she was allowed to go to a Massachusetts hospital for treatment and now three years later she is doing well. Under her new ObamaCare insurance she would be dead.

And then there are the premiums and deductibles. I have talked with people who say the combination of higher premiums and higher deductibles is costing them an extra $1,000 per month. I asked an insurance agent if her clients were seeing increases like that. She responded that most were not quite that high, but she could believe that some were paying that much extra. Another insurance agent told me that his clients were seeing up to a 100% increase but the average was about 20% to 40% increase. 

Nationally, Aetna’s CEO reported that premiums have increased an average of 30% to 40%. He also reported seeing lower employment overall and more part-time employment. A large union similarly reported seeing a shift to part-time work by companies seeking to avoid ObamaCare’s requirements. The Congressional Budget Office recently predicted that ObamaCare during the next ten years will cause job losses equivalent to 2.5 million people.
 
It’s no surprise that a recent Gallup poll found that more than twice as many Americans say that ObamaCare has hurt them or their families compared to the number it has helped. It might be a surprise that most (63%) say it has made little difference but that is only a matter of time. Most people get their insurance via their employer and that part of ObamaCare has been delayed and delayed – for political reasons.

As the New York Times reported, “[The recent change] is designed to provide political cover for Democratic senators facing tough re-election campaigns.” The law as written would have had millions more cancellation notices going out a month or two before Election Day. So with a stroke of his pen, without any authority granted to him, Obama decided to change the law so that the cancellation notices would go out AFTER the election.

The Wall Street Journal notes that “if [ObamaCare] were really working the way it should, senators who voted for it wouldn’t be running away from it, and the administration wouldn’t be forced to choose between enforcing its provisions and protecting the Democratic majority.”

As much as nervous politicians are shying away from ObamaCare, so also are the uninsured. The Washington Post reports that “The new health insurance marketplaces appear to be making little headway in signing up Americans who lack insurance, the Affordable Care Act’s central goal, according to a pair of new surveys. Only one in 10 uninsured people who qualify for private plans through the new marketplaces enrolled as of last month.”

The first step in fixing a problem is recognizing that there is a problem. NH Democratic leadership seems oblivious to any problems with ObamaCare, jobs, and the economy. NH Republicans know that there are problems and that we can help solve those problems. The guiding principle is that people should be able to choose what they want, not what some politicians in Washington tell them they should want.

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Poll: jobs, economy, government most important problems

From Gallup:

Three issues — jobs, economy, and government — have been at the top of the “most important problem” list since the beginning of the year.

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Americans are about equally likely to name unemployment and dissatisfaction with government as the most important problems facing the U.S., with the economy in general following closely behind. These issues have ranked at the top of the most important problem list since the beginning of 2014.

Nearly one in five Americans still cite government itself as the nation’s top problem.

Independents name as their top four problems:
  • Dissatisfaction with government
  • Jobs
  • Economy in general
  • Poor healthcare

See the full poll here.

Simple invention can save thousands of lives

Hospitals are dangerous places. Some 75,000 patients die each year of hospital-acquired infections. Now two Canadian doctors have stumbled on a solution that could save 10,000 lives a year – and that is just in Canada. Worldwide, it could save hundreds of thousands of lives.

The doctors discovered that a mixture of ozone and peroxide can kill 100% of the bacteria in a hospital room. They have built a gadget that spreads the bug-killing mist through a room. It is the first product ever that completely cleans a room tainted with drug-resistant bacteria.

A hospital in Belleville, Ont. used it on a contaminated ward and seven months later not a single patient has been infected by MRSA, a bacteria that kills about 2,200 patients in Canada every year.

 

Real health care reform (not ObamaCare)

“Learn from the mistakes of others. You can never live long enough to make them all yourself.” — Groucho Marx

It’s no laughing matter – well, actually it is. The late night comedians have found lots to laugh about in what otherwise would be a tragedy. ObamaCare that is.

Most of us have heard the horror stories about the so-called “Affordable” Care Act. The least of the problems is the web site that doesn’t work. Much worse is the huge increase, sometimes even doubling or tripling, of premiums and deductibles for many people. Perhaps worst are the millions of people who have suffered cancellation of the health plans they liked.

ObamaCare is a disaster. This year when the employer mandate takes effect, tens of millions more people are likely to find that the plans they like are canceled to comply with the dictates of big government. But there is hope. Real health care reform is coming – not from politicians, but from doctors.

One surgeon wrote in the Wall Street Journal about a patient who needed a fairly simple operation. His bare-bones insurance would easily cover the cost of the surgeon, the anesthesiologist, and, they thought, for the operating room, nurses, etc. But when the patient went to check in, the hospital wanted an additional $20,000 from him above and beyond what the insurance would pay.

The patient canceled the operation and returned to the surgeon. Dr. Singer told his patient an open secret: that hospitals and other providers will usually negotiate a much lower cash price for people who don’t use insurance. The doctors are happy to take a lower fee now instead of paying office staff to wade through the insurance paperwork for reimbursement much later.

Dr. Singer made a few phone calls; the anesthesiologist accepted an upfront cash price, a different hospital charged a reasonable fee for its services. The patient had the operation the next day with a total out-of-pocket charge of a bit over $3,000. He saved $17,000 by not using his insurance.

Most people don’t shop around like this because they have no incentive to do so – their insurance picks up almost all of the bill. But with insurance deductibles becoming higher and higher, more people are beginning to shop around. That’s not easy to do because most hospitals keep their prices a secret.

One hospital that is very public about its prices is the Surgery Center of Oklahoma, a for-profit facility that offers first-rate care at low prices. About five years ago, they posted their price list for more than 100 common procedures. And those prices can be as low as one-tenth the prices at other hospitals.

Compare the cost of a “complex bilateral sinus procedure” performed at a nearby non-profit hospital, to the cost performed by the same surgeon at the Surgery Center. The other hospital charged $33,505, not including the surgeon’s or anesthesiologist’s fees. The Surgery Center charged just $5,885 total for the entire procedure.

The other hospital delivered a four-page bill with detailed cost items for such things as $360 for a steroid that wholesales for 75 cents, and a total of $630 for three pills that cost about $1.50. The Center’s bill was a single line with every cost item included in the published fixed price.

The Surgery Center is able to keep its prices so low partly because it takes cash upfront; it does not accept insurance. But what about people who can’t afford several thousand dollars for an operation? In many cases, the Center’s total price is less than just the co-pay and deductible would be at another hospital.

The Surgery Center pays “tons of attention” to making systems more efficient. One surgeon reports that he can perform twice as many surgeries per day at the Center because it operates so efficiently. At the other hospital, he spends half of his time waiting around for the patient to arrive and then for the equipment to arrive.

As one measure of efficiency, the Center has no administrative employees. At the other hospital, the eighteen top administrators are paid an average of $413,000. At the Center, all of the staff except a small clerical staff are involved with patient care. The head nurse does double duty as chief of human resources and building maintenance.

The Surgery Center of Oklahoma might have been the first to provide transparent pricing but they are far from the only ones. One commentator described the movement toward transparent pricing as a “fever pitch … pretty soon [all providers] will be fully transparent.”

The effect of published cash-upfront pricing is nationwide and even international. Canadians who could get “free” treatment at home are flying to Oklahoma to save months or even years on waiting lists. Other patients are taking a firm price quote from the Surgery Center along with an airline ticket for Oklahoma City, and are challenging the local hospital to charge a competitive price.

Much lower prices, higher quality, whether it is Direct Primary Care or surgery, physicians are producing real reform, effective reform. Politicians think reform means forcing more people to buy insurance they don’t like. Doctors know that real reform is to get insurance out of the way, to let nothing come between doctor and patient. My money is on the doctors.

Health Insurance is not Health Care

Tammy Bruce opines that ObamaCare is not just a train wreck, because after all, once a train wreck is over, it is over. It doesn’t keep on going. No, ObamaCare is more like a cancer, growing and destroying everything.

A California man bought insurance on the ObamaCare exchange, then called a doctor for an appointment. He called every single doctor who was listed as being in-network, but none of them actually was.

In the normal world, this would be called “fraud.” In Obama’s America, it’s called a “snag,” and on a national scale, the Obama regime labels it “Shut up, Fox News!”

After all, isn’t the goal getting everyone insured? Who cares if you can’t actually see a doctor or get health care, because everyone will get a terrific piece of paper that says “health insurance policy.” Equality, at last — everyone’s got the same thing; namely, nothing at all.

A woman cancer patient enrolled in ObamaCare, then went to see her oncologist, only to be greeted by a sign at the door announcing that they did not accept any of the ObamaCare plans. She says that she is, “a complete fan of the Affordable Care Act, but now I can’t sleep at night.”

When the Congressional Budget Office forecast that ObamaCare would cause 2.5 million people to lose their jobs, the White House responded that those people were just a “small percentage of the economy.”

Back here in New Hampshire, Jeanne Shaheen and Carol-Shea Porter say that they would vote for ObamaCare all over again if they could. Whose side are they on?

Medicaid is a cruel program

“If we wish to be compassionate with our fellow man, we must learn to engage in dispassionate analysis. In other Walter E. Williams

Would you believe that many politicians over-promise and under-deliver? They promise you that a new law will fix some terrible problem, but usually it does not fix the problem, and often it makes the problem worse.

Too many politicians look only at the stated goals of a program. They believe so much in the goals that they refuse to believe any harm could result. They don’t look beneath the surface for possible unintended consequences. Even when other people do find bad side-effects in the bill, the true believers ignore the potential problems.

Thus is the case with expanded Medicaid. The same politicians who thought ObamaCare was a good idea and promised us that “If you like your health insurance, you can keep your health insurance”, those same politicians now tell us that expanding Medicaid is a good idea.

Sadly, Medicaid is a cruel program that hurts the very people it’s meant to serve. One commentator wrote: “Imagine a government-run health care program in which medical access is severely limited, that is racked by uncontrollably rising costs, and that in many instances results in demonstrably worse health outcomes than having no insurance at all. Such a program isn’t a mere hypothetical; it already exists, and it’s called Medicaid.”

More and more doctors are refusing to accept Medicaid because the system doesn’t pay enough to cover their expenses. Would-be patients spend hours on the phone trying to find someone willing to treat them. If they do succeed in finding a doctor, the appointment is, on average, three weeks later than someone with private insurance.

And it gets worse…, multiple studies have shown that Medicaid patients are more likely to die from surgery than privately insured patients and sometimes even more likely to die than uninsured patients. A Univ. of Pennsylvania study of colon cancer found that the mortality rate for Medicaid patients was 27% higher than for uninsured patients. A Florida study found that Medicaid patients were more likely than uninsured patients to have late-stage prostate cancer, breast cancer, or melanoma.

On broader measures of health, the Oregon Medicaid health experiment found no significant difference between Medicaid patients and uninsured patients in objectively measured physical health outcomes. Put simply, Medicaid did not make patients any healthier, though it did make them feel more financially secure.

Expanded Medicaid has been tried and has failed. The state of Maine expanded their Medicaid program ten years ago. Every predicted benefit failed. Politicians said it would reduce the number of uninsured. Wrong. Politicians said it would reduce emergency room visits. Wrong. Politicians said it would relieve uncompensated care. Wrong. The only significant change was that thousands of Mainers switched from private insurance to Medicaid.

There was one absurd result from Maine’s Medicaid expansion: Since the eligibility rules differ for expanded Medicaid and regular Medicaid, 10,000 able-bodied, childless adults received benefits while 3,000 elderly and disabled were put on a waiting list.

A pernicious aspect of Medicaid is that it traps people on the edge of poverty. The eligibility rules make it very difficult for someone to escape poverty and move up the ladder of success. A young person entering the workforce, earning $14,856 gets free health care. But if he or she earns just one dollar more, then that same young person not only loses the free coverage, but becomes obligated to purchase coverage or else face a penalty. This is a terrible incentive that encourages people to stay poor.

Isn’t it a good thing to learn more skills, get a better job, work more overtime, earn more money, save toward the future? Medicaid and similar entitlement programs punish people who try to better themselves and become self-sufficient, not dependent on government. Why should we encourage people to be involved in such a terrible system?

Proponents of expanded Medicaid rarely, if ever, discuss the adverse health outcomes for people on Medicaid. They never talk about the perverse incentives that can keep someone trapped in near-poverty forever.

What proponents mostly talk about is getting “free” money from the federal government. It is as if the poor are mere pawns for collecting more money. But does anyone really believe that the money is “free”? The federal government is running gigantic deficits. It has borrowed trillions and trillions of dollars. Our children, grandchildren, and their grandchildren will be stuck paying off this debt.

And the money isn’t free even in the short term. The feds talk about paying 100% of the cost for two years, but can we really believe that promise? And the federal budget negotiators are already talking about reducing the 100% promise because the costs keep going higher and higher and higher.

Many opponents of expanding Medicaid worry that the ever-increasing costs to NH taxpayers will lead us inevitably toward a sales or income tax.

The ObamaCare Medicaid expansion is bad for the people it claims to help, bad for the taxpayers, and bad for the future of New Hampshire. We should fix the broken system, not expand it.

Could people regrow lost limbs?

Many species can regrow limbs or even more. A flatworm can grow a replacement head and brain. A Mexican salamander can regenerate everything even its spinal cord. And young humans can grow back a sliver of a fingertip.
Michael Levin thinks that humans someday will be able to regrow limbs. Levin is director of the Center for Regenerative and Developmental Biology at Tufts University. His research specialty is bioelectricity and he has had some amazing results in developmental biology.
The work of his team has so far been with amphibians such as tadpoles. This spring they will start working with mice. If the techniques work on mammals, the research may someday turn into drugs and medical devices that let humans regenerate limbs, eyes, etc.
H/t Instapundit.com