IBD: 20 Ways ObamaCare Will Take Away Our Freedom

From IBD, a succinct summary of freedoms lost under Obamacare are below…..at least the first 20 freedoms…there are  many more in reality.

From Investors Business Daily:

….We may be about to live Benjamin Franklin’s adage, “People willing to trade their freedom for temporary security deserve neither and will lose both.”

The sections described below are taken from HR 3590 as agreed to by the Senate and from the reconciliation bill as displayed by the Rules Committee.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employers’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 101 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

11. If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))

12. If you are a physician and you want to own your own hospital, you must be an owner and have a “Medicare provider agreement” by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn’t have those by then, you are out of luck. (Section 6001 (i) (1) (A))

13. If you are a physician owner and you want to expand your hospital? Well, you can’t (Section 6001 (i) (1) (B). Unless, it is located in a country where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)).

14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)

15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).

16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).

The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).

17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)

18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).

19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).

That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).

20. If you go for cosmetic surgery, you will pay an additional 5% tax on the cost of the procedure. Think you know how to spend that money you earned better than the government? Tough. (Section 9017).


12 Responses

  1. Can I add that as someone with a family member with a pre-existing condition we will soon be able to get health insurance?

  2. TP —

    Then perhaps a bill with exactly that provision and other pertinent provisions (tort reform, free market controls, etc.) should have been the extent of the bill.

    I understand the dilemma for pre-existing conditions. Many Republicans have supported such a notion. Frankly, though, if health insurers are REQUIRED IN ALL CASES to provide care for pre-existing conditions, then it is no longer insurance but a mandate for care. Insurance companies can not sustain that type of care along with suppressed premiums and fewer customers that are an effect of this bill.

    Bottom line, to place unconstitutional mandates, government controls, and provisions that will cause insurance companies to go out of business in this bill is a high price to pay for simply needing pre-existing conditions covered.

  3. Its pretty obvious that sharprightturn works for the insurance industry. If in fact there is unconstitutional provisions in this bill(which there is not), then the anti-trust exemptions that insurance companies enjoy are also unconstitutional. No longer will insurance companies be able to cherry pick services they want to provide. It is all or none, which it should be for a necessary service critical to the general welfare of all the citizens of this country. If this bill is not the essence of the constitutional mandate to provide for the general welfare, I don’t know what is.

  4. Ken,

    It is, indeed, unconstitutional to FORCE Americans to buy something they may not want or need. This bill requires every American to purchase insurance at the threat of a government fine.

    Insurance companies are not allowed to cross state lines. This forces fewer choices state-by-state. A simple way to open up choice and better options is to allow customers to cross state lines for insurance.

    If insurance is what needs to be addressed, then lets do it, but a government takeover is not necessary to address issues with insurance.

    Besides, under Obamacare premiums will rise, and insurances companies will evenutally be costed out of business…by Obamacare design. When the government swoops in to “save the day”, there will be only one choice — almighty government.

    With the government running healthcare, “cherry picking” services will be the order of the day…..

  5. What else would anyone expect when they elected a socialist president? Thanks to all the white guilt idiots. Hope they’re happy now. Good bye America. This was the saddest day in the history of our country.

  6. Ken,
    please go back and read up on constitutional history. The federalist papers are a good place to start. It is obvious you have no clue what General Welfare means as it pertains to the constitution.

    Wishes don’t make rights my friend. Just because you wish for health care doesn’t mean you should be granted it as a right under the constitution.

    Come back when you know more.

  7. I sent a response to Senator Casey & Specter questioning them about the “pre-existing” clause. Although I have diabeties, I’ve changed my jobs four times and has 3 different insurance companies. No once was I denied coverage or had my insurance canceled due to a pre-existing condition. I had to show my medical records and treatment history. I quess that since I took responsibility for my condition and take care of myself they don’t want to here it.

    Everybody has a right to Health Care, but they also have the responsibility to take care of themselves. If you want it, you should have to pay for it yourself and buy what you want.

    This bill is another example how our freedoms will continue to wither away.

  8. The pre-existing conditions clause is designed to run the insurance companies out of business,setting the stage for a full gubment takeover of the health care system. What could possibly go wrong. Put it this way, if i didnt have full coverage insurance on my car, can i go ram it into a tree, THEN go buy insurance to cover it..The results will be the same,just wait and see.


  10. Lar … gotta laugh about you “not once” had a problem with a pre-existing condition. That’s because your on an employer plan. Write again once you’ve lost that job and are either denied or the price is so high … (to support people who are covered under employer plans).

    If the insurance companies go under … well, I have no sympathies because they have put me through the wringers for years with countless arguments about all the coverage they have denied me. And talk about the money from MY POCKET paying for things you take for granted. To hell with the insurance companies.

  11. Tania,
    My patience gets thinner and thinner with people making the argument you make.

    While there are certainly instances that are valid for addressing pre-existing conditions –children, for example — I am not convinced that it is America’s place to pay for the pre-existing conditions of every other American. Nor am I sure it is the employers place to cover you.

    I believe that anyone old enough to work and support themselves (18 and above) is old enough to budget money for things like health insurance, especially if not employer provided….and they should do it before the likelihood of pre-existing conditions ever become an issue..

    If I get some major condition now, I will be covered because I have made it a priority to maintain health coverage for myself for 25 years, especially as I’ve gotten older.

    Now take Joe Blow, who has always worked, sometimes with company insurance, but sometimes having no insurance at all. Let’s say Joe decides not to carry insurance because he’d rather have a new bass boat or car…or pay for excessive IPhone texting every month. He gets a major condition after not having health insurance. Why is it my place to fund his care when he chose not to have insurance and I was reponsible and made sure I was covered?

    And if you are out of a job, take it up with Obama….he knows how to save and create so many.
    If your employer doesn’t carry insurance, why shouldn’t you pay for it out of your budget?

    You see, Americans are tired of the entitlement attitude. If a person hasn’t covered themselves for years on end, whose fault is it? And if your employer doesn’t provide it, why shouldn’t you pay for it or find another job?

    God forbid it comes from YOUR pocket.

    FYI – Premiums will be rising under this bill so don’t expect immediate relief. And once those “evil” insurance companies are forced out of business, your government will takeover (by desing) and call the shots on what care you can recieved and when.

  12. Ooh it’s nice
    That’s what I was looking for to read
    It’s awsome to know and read it
    thanks you!

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