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ACA’s Medicaid Expansion: Not Good for Your Health

in Economic Liberty, Healthcare, Liberator Online, News You Can Use by Alice Salles Comments are off

ACA’s Medicaid Expansion: Not Good for Your Health

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In 2010, just a few weeks before Congress passed the Affordable Care Act, President Barack Obama said that taxpayers “end up subsidizing the uninsured when they’re forced to go to the emergency room for care…. You can’t get … savings if those people are still going to the emergency room.”

healthcarePart of what the current administration’s signature health law was supposed to do was to increase cost savings so visits to the ER weren’t as common. After helping to pass the law, then-Speaker of the House of Representatives Nancy Pelosi claimed that “the uninsured will get coverage [so they are] no longer [being] left to the emergency room for medical care.”

Six years have passed since those who supported ACA and its main provisions promised to bring the number of ER visits down and yet, a study published in the New England Journal of Medicine shows that assuming ACA would lower the number of ER visits was a mistake.

With the expansion of Medicaid in states like Oregon, ER visits increased. But the increase is not the only consequence of Medicaid expansion. When compared to 2015, this year’s Medicaid expansion spending is 49 percent higher per enrollee than what government had expected.

In order to expand Medicaid in Oregon, officials used lottery to expand Medicaid benefits to a limited number of lower income, non-disabled adults.

According to the study’s authors, “Medicaid’s value to recipients is lower than the government’s costs of the program, and usually substantially below,” perhaps because, researchers found, expanded Medicaid coverage “resulted in significantly more outpatient visits, hospitalizations, prescription medications, and emergency department visits.”

When it comes to how Medicaid expansion pushed individuals to the ER, researchers explain that, during the past 15 months, Medicaid increased ER visits by 40 percent.

Researchers found that even if patients have Medicaid, there’s “no evidence that Medicaid coverage makes use of the physician’s office and use of ERs substitutes for one another.”

What many choose to forget is that Medicaid expansion was made possible because of ACA. And according to the government’s own projections, each Medicaid enrollee cost the taxpayer roughly $6.366 in 2015, 49 percent higher than past predictions. This cost spike is mostly due to the fact the federal government reimburses 100 percent of state spending on enrollees who were added after the expansion was launched.

When ACA became law, states were given enough incentives to pay insurance companies high payment rates so new enrollees were cared for, but the high payment rates could only be covered by the federal taxpayer. Since many physicians are leaving the system altogether, preferring to not accept new Medicaid enrollees due to lower rates, patients continued to use ER at a high rate, even higher than years past. So coverage, in this case specifically, did nothing to help patients in need. The result is higher cost to the taxpayer. Instead of making people healthier and helping individuals who are unable to afford medical care, researchers found that the result has been the exact opposite, invalidating ACA apologists.

Will they continue to ignore these results?

ACA Health Coverage Approval Drops, Experts Blame Mandates

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ACA Health Coverage Approval Drops, Experts Blame Mandates

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After Goldman Sachs confirmed that the Affordable Care Act’s employer mandate is leading to a rise in involuntary part-time employment, Obamacare continues to make the news nationwide, but not because the current administration has achieved its goals. Instead, Mercatus Center’s Bin Blase argues, Obamacare is in all over the news again for getting people very angry.

healthcareAccording to the Kaiser Family Foundation’s latest survey, Affordable Care Act enrollees are increasingly unhappy with their coverage. The study used data collected from 671 enrollees who purchased individual market plans compliant with the Affordable Care Act’s mandates.

In an article for Forbes, Blase explains that as insurers either announce they are leaving the market or are planning on increasing premiums next year, consumer confidence tanks.

Instead of helping the group of people it intended to help, Blase argues, the overall unhappiness with ACA shows federal policy must change dramatically if the administration is serious about helping members of the middle- and low-income classes.

Unfortunately, things might not change until Congress—or the next administration—comes up with a new policy. After all, unhappiness with ACA is nothing new.

Between 2014 and 2015, consumers noticed a sharp increase in premiums and deductibles for 2016 policies, Blase explained. But as the cost of remaining insured increased, consumer choice also suffered as available plans started covering fewer doctors and hospitals.

According to the surveys carried out by the Kaiser Family foundation over the years, the percentage of enrollees rating their coverage as “not so good” or “poor” went from 20 percent in 2015 to 31 percent in 2016. Among those who are less satisfied with their plans, a greater number of insured with high deductible policies appear less satisfied with ACA plans than those with low deductible policies. In this latest poll, at least 45 percent responded that they feel vulnerable to high medical bills while in 2015, only 38 percent felt the same way.

The survey also discovered that, in 2015, 55 percent of respondents rated their insurance as a “good” or “excellent” value while in 2016, only 45 percent claimed the same. As Mercatus Center’s Blase pointed out, a large majority of individuals with ACA coverage receive subsidies to help them pay lower premium shares and yet, even more people say their coverage provides poor value. Perhaps, Blase wrote for Forbes, that proves that the “numerous requirements placed on individual market covered by ACA” are pushing the cost of insurance up. Instead of helping, what ACA has accomplished was to make insurance less affordable.

With fewer ACA enrollees actually approving of their insurance plans and the overall quality of their coverage, it’s hard to understand comments made recently by progressive magazine Mother Jones, that claims that Obamacare “is doing great.” Maybe consumer satisfaction means nothing to them.​

Nurse Practitioners Want to Help Patients, but Stifling Rules Stand in the Way

in Economic Liberty, Healthcare, Liberator Online, News You Can Use by Alice Salles Comments are off

Nurse Practitioners Want to Help Patients, but Stifling Rules Stand in the Way

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

The fight to serve Americans freely, offering low income patients the option of having access to affordable care, has been an important battle for nurses in certain states.

According to Watchdog.org, nurse practitioners in Pennsylvania are beginning to question the straining and oftentimes useless requirements they must meet in order to help their patients.

MedicIn many states, nurses with advanced degrees and special certifications are allowed to perform several functions primarily performed by physicians. While giving these nurse practitioners the freedom to help patients without access to expensive health insurance is important, many states limit their effectiveness by forcing nurses to seek the approval from doctors before being able to help patients in need.

To the thousands of patients who benefit from having access to nurse practitioners, the process may seem confusing. But they are not alone, healthcare providers also share their frustration.

To nurse Jerry Driscoll, a nurse practitioner running Primary Homecare, doctors “are signing paperwork on patients they’ve never seen,” making their job extremely difficult. After all, nurses like Driscoll “can order their insulin, but not their shoes” he said.

In an interview with Watchdog.org, Driscoll explained that issuing prescriptions or even ordering medical devices such a simple walker or orthopedic shoes is impossible for nurse practitioners in Pennsylvania, forcing organizations such as Primary Homecare to spend thousands of dollars yearly to maintain collaborative agreements with local physicians.

If Primary Homecare didn’t have to spend $25,000 a year due to the state’s laws, Driscoll explained, he would be able to give his patients much better care. Some of the pieces of equipment Driscoll’s company would be able to afford if laws were different include mobile imaging equipment and other technologies used for blood tests. On top of that, not having to spend so much on agreements with physicians could also lower the cost of care to patients, making access to direct healthcare much more affordable.

Last year, lawmakers in the state sought to put an end to this problem by introducing legislation that would have ended the mandatory collaborative agreements between physicians and nurse practitioners.

While the last attempt had failed in the previous session, the bills introduced in the State House and Senate last year are currently languishing in legislative committees. If at least one passes, Pennsylvania would be the 22nd state to allow “full practice” models, giving nurse practitioners the freedom to practice more broadly but still within the scope of their training.

But before nurses are able to obtain the freedom they require to better care for their patients, they must fight the crony capitalists at the Pennsylvania Medical Society, who are opposing the bills currently under review.

According to the medical association, physician oversight of nurse practitioners is essential. The idea that the arrangement between physicians and nurse practitioners is just a formality is far from the truth, said Karen Rizzo, the president of the Pennsylvania Medical Society.

But according to recent studies, the notion that patients get better care from nurse practitioners in contact with physicians is nothing but a myth.

Nurse practitioners, the five studies conclude, improve patient outcomes while also reducing healthcare costs by as much as 29 percent. One of the studies has also suggested that patients who have access to nurse practitioners have lower hospital admission rates.

As Pennsylvania struggles with 155 areas in which patients have little to no access to adequate health care, loosening nurse practitioner’s requirements could help to give more patients access to quality care at a lower price.

What are lawmakers waiting for?​

White House Sacks the Treasury in the Name of Corporate Welfare

in Economic Liberty, Healthcare, Liberator Online, News You Can Use, Taxes by Alice Salles Comments are off

White House Sacks the Treasury in the Name of Corporate Welfare

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Friday, one day before the President’s day holiday weekend, the Barack Obama Administration announced that $7.7 billion of taxpayer dollars would be allocated to Affordable Care Act insurers through the law’s reinsurance program.

From the Americans for Tax Reform website:

“For 2015 Obamacare reinsurance, the administration will pay out $6 billion raised from a fee on private health insurance and an additional $1.7 billion that under federal law belongs to the Treasury department.”

Seal According to pro-taxpayer organization, at least $1.7 billion of the $7.7 being used to cover insurers is being funneled illegally.

Doug Badger of the Galen Institute explains that ACA’s reinsurance program works by silently taxing every individual in America with health insurance. In 2015 and 2016, each individual with insurance is being allegedly taxed a total of $107. According to Badger, the program is designed to “prop up insurers that have agreed to sell Obamacare policies in the individual market.”

While the administration continues to claim that ACA is working, insurers that participate are losing money. But since the reinsurance program exists to cover the losses of the insurers, the administration seems to think keeping corporations happy with the deal is more important than following the law.

With the failure of the system, and with a growing number of consumers referring to alternative methods to have access to care, the administration is having to get creative.

According to the New York Post, not one dollar out of the $7.7 billion being promised to insurers should be taken from the Treasury under ACA law.

From the New York Post:

“The law states a fixed share ‘shall be deposited into the general fund of the Treasury of the United States and may not be used’ to offset insurance companies’ losses.

But the administration gave all of it to the insurance companies last year, and got away with that heist. So now they’re trying it again.”

While the administration projected it would be raising $12 billion for the ACA reinsurance program in 2014, it was $2 billion short. In order to handle the situation, the administration decided to keep the money from the Treasury, using it instead to hand it over to the participating companies.

The administration isn’t a stranger to this type of move. According to the House Energy and Commerce Committee, at least $8.5 billion in taxpayer money has already been illegally funneled to ACA’s corporate welfare programs.

Another initiative designed to shield insurers enshrined in ACA also seeks to secure the investment of insurers. The initiative is known as the Risk Corridor program, and it has also been tied to scandals in the past.

In 2014, insurers requested $2.87 billion in “risk corridors” payments, but the administration only offered 12.6 percent of that value.

The risk corridor program works by redistributing funds from insurers that make money with the Obamacare exchange to insurers that don’t. Not knowing how sick their customers were going to be due to the new healthcare law and its mandates, insurers were not being able to set premiums realistically, making it hard for companies to turn a profit.

Despite falling short on the risk corridor payments, the administration decided to bail out insurers that weren’t making money off the exchanges last year. ACA chief Andy Slavitt, who’s also the former Vice-President for United Health, made the announcement in December of 2015, saying the federal government was going to bail out insurers and offer them the amount they had previously asked. Later, however, Congress blocked the $2.5 billion “risk corridor” payment. The effort was championed by several conservative and libertarian organizations that came together to urge Congress to act.

If nothing is done this time around, taxpayers will have to foot the bill and cover the $7.7 billion the administration has vowed

ACA’s Bureaucratic Requirements Force Patients to Lose Access to Care

in Economic Liberty, Healthcare, Liberator Online, News You Can Use by Alice Salles Comments are off

 ACA’s Bureaucratic Requirements Force Patients to Lose Access to Care

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

The Affordable Care Act has become a joke among conservatives and libertarians.

Since the passing of the law, mandates concerning enrollment requirements pushed the cost of health care up, forcing countless to not only find themselves uncovered, but also unable to have access to the care they had before Obamacare.

DoctorWhile the overregulation of health care in America is nothing new, ACA accelerated a process that was well under way before President Barack Obama took office. Unfortunately, officials didn’t pay attention to the market signals. What the current administration decided to do instead was to focus on pushing laws based on hopes and aspirations, ignoring the potential consequences.

The story of Walt Whitlow is the perfect example of why politicians should always consider the short and long-term consequences of their policies.

According to the Associated Press, Whitlow was under treatment for cancer when he learned that his financial assistance had gotten slashed under ACA. With a premium costing four times what it cost prior to the passing of the new health care law, his deductible went from $900 to $4,600.

Patient Ana Granado also suffered due to the bureaucratic nature of the law.

Granado had undergone a breast cancer surgery and was waiting to undergo breast reconstruction procedures when she was notified that her coverage had been canceled. Under ACA’s new rules, her immigration status became an issue, which forced her insurer to drop her. While lawyers were able to resolve the issue promptly, her financial assistance for premiums were suspended.

Under ACA, Lynn Herrin’s tax credits for premiums were also questioned by the IRS, forcing her to pay $700 to the taxman. Having issues to find a doctor, Herrin decided to cancel her plan, which left her without any assistance when she later found out she had oral and neck cancer.

As countless Americans and residents ditch their plans or pay more for their previously affordable plans because of complex paperwork requirements, many believe that the law was never written to make health care access affordable.

By adding more roadblocks and mandates, ACA forced many Americans to rely on the government for subsidies so they can afford health care. Under a free market system, they would be dealing directly with insurers and providers instead.

By making the cost of insurance an issue, the federal government created a monster that costs the taxpayers and leaves millions of patients without access to quality care when they need it the most.

Currently, 12.7 million people are covered thanks to subsidies created by ACA. But about 470,000 people had their coverage terminated through September 30, 2015 because of complex paperwork requirements. Another 1 million of households had their financial assistance “adjusted” due to what the government calls “income discrepancies.”

By making the process more bureaucratic than it should be, ACA forced countless of consumers to rely on the government for health care. Elizabeth Colvin of Foundation Communities says people have been panicking when they “get that bill for a full-price plan.” This issue is undermining ACA’s insurance markets, simply because the cost to obtain coverage through the government is too high.

As more and more Americans look for alternative ways to have access to health care, the future of ACA is uncertain. Will the next administration take these matters into account when thinking about reforming US health care law?

State of The Union Address: What this Administration Got Wrong About Obamacare

in Healthcare, Liberator Online, News You Can Use by Alice Salles Comments are off

State of The Union Address: What this Administration Got Wrong About Obamacare

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

During President Barack Obama’s final State of the Union address, this administration’s signature healthcare law was seldom brought up. As a matter of fact, little time was dedicated to healthcare overall. But the few references to the Affordable Care Act (ACA) have been mostly ignored, suggesting that little to no attention is dedicated to healthcare law as the media focuses on the 2016 presidential election.

But to Brian Blase, Senior Research Fellow with the Spending and Budget Initiative at the Mercatus Center at George Mason University, the administration’s claims deserve a second look.

In an article for Forbes, Blase looks at how the current programs are performing. With the hopes of helping Americans have a better understanding of ACA and its consequences, the scholar analyses the administration’s claims and reports on his findings.


According to the current administration, ACA was designed to fill “the gaps in employer-based care so that when you lose a job, or you go back to school, or you strike out and launch that new business, you’ll still have coverage.” To Blase, however, things aren’t that simple.

If the administration had made the portability of coverage a main priority, the law would not have to be as complex as it is.

Blase also argues that portability as a main goal would have prompted a piece of legislation that would have attracted considerable bipartisan support. Why? Because most healthcare experts on the right and center have always advocated for increased portability, urging lawmakers to severe the ties between insurance and employment.

To Blase, the primary purpose of ACA couldn’t be to keep Americans covered through the several changes they experience if the law standardizes health insurance and ups the requirements concerning coverage levels. By implementing a complicated tax and subsidy system to support ACA, the Obama administration forced consumers to fall prey to distorting price controls that make insurance coverage actually less affordable.

If the administration’s main goal with ACA was to keep people covered no matter what, the law wouldn’t also have been written in a way that increases gross premiums so radically, making low-income earners less likely to get good coverage.

While Blase spent a good deal of time focusing on this particular claim, another subject also caught his eye.

During the address, president Obama claimed that ACA has helped businesses to create jobs, not eliminate them. To Blase, this particular claim is troubling mostly because it’s not necessarily wrong. It’s misleading instead.

Claiming jobs were created because of the enaction of ACA is not a fact, since job growth naturally increased after the deep economic recession the country had just been recovering from when ACA became the law of the land. During the recession, millions of people were kicked out of their jobs, but as confidence grew, more jobs were inevitably created. That’s just a natural consequence of the labor market dynamics and is not at all connected to the enactment of ACA.

If the current administration is, indeed, concerned with how its healthcare programs are performing, Blase suggests, its review of ACA would lead to its repeal. Why? Because ACA is actually a negative pull on the economy.

According to the Congressional Budget Office, ACA will actually shrink the labor market in America. If the congressional projection is correct, two million full-time jobs will be lost due to ACA alone.

Increasing Costs Tied to Obamacare Make Healthcare Ministries More Appealing Than Insurance Providers

in Economic Liberty, Healthcare, Liberator Online, News You Can Use by Alice Salles Comments are off

Increasing Costs Tied to Obamacare Make Healthcare Ministries More Appealing Than Insurance Providers

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

As the country is distracted by the presidential election, issues that aren’t getting as much air time as Donald Trump or Hillary Clinton become a side show.

With reports concerning the ineffectiveness of the Affordable Care Act, or Obamacare, hitting the news but being ignored by major news channels, crusaders take it to the Internet to discredit Obamacare critics. As new reports argue that Americans are fed up, smaller publications seek to downplay some of the fears brought up by conservatives and libertarians all along. When faced with evidence that shows ACA is making healthcare less affordable, will these pro-Obamacare crusaders back down?

Health Care

Exactly two days before Christmas, the New York Magazine ran an article tailored to take conservative-leaning Americans to task. The subject? One of the left’s most adored achievements (and one of the right’s biggest, and most disputed, creations): Obamacare.

According to Jonathan Chait, the author, the NY Mag piece was conceived in order to debunk arguments presented by Ross Douthat, who wrote a column on Obamacare for New York Times earlier that same week.

While the piece discusses the number of covered Americans before and after the enactment of Obamacare and other points made by Douthat, it’s when Chait focuses on the cost of healthcare before and after the enactment of ACA that things get interesting.

In the NY Mag piece, Chait introduces a seemingly detailed blueprint of how ACA has bent the overall healthcare cost to the average consumer. Yet he ignores actual evidence proving that no, Obamacare hasn’t helped to keep the cost of healthcare low. As a matter of fact, the constant meddling with the insurance business and the healthcare industry in the past has done nothing but to increase the overall cost of health care. Now, those who lost their previous plans and who are unable to sign up for insurance after Obamacare went into full force are being cornered. As a result, they are choosing to pay the IRS fee instead of getting coverage.

Even those who supported President Barack Obama’s signature law are getting desperate.

But as a number of consumers lose their hope, a report recently published by the Wall Street Journal shows that things might have just gotten worse.

According to the WSJ, the cost of health insurance is such a heavy burden for those who lost their insurance plans after ACA became the law of the land that many consumers are now turning to healthcare ministries to cover their medical expenses.

That’s right. Health insurance costs are so out of control that consumers are turning to ministries, which operate outside the insurance system, in order to get access to the health care they need.

Instead of functioning as an insurance provider, these ministries provide health care cost-sharing arrangements to those who share the same religious beliefs.

Ministries now count with about 500,000 members nationwide thanks to ACA. Previous to the law, there were about 200,000 members enrolled in the system. But things could get crowded soon, making it hard for ministries to take in more members.

While ACA gives these ministries an exception to the law, only groups that have operated continuously since at least December 31, 1999 are eligible. Without the possibility of expanding the number of participating ministries, helping those in need could become too heavy of a burden.

When the exception was added to the law, it hoped to satisfy a relatively small number of groups that argued that nonparticipation was a matter of religious freedom. Now, ministries are being sought after as a matter of survival. And as ministries become crowded, insurance commissioners begin to complain, claiming these groups operating outside ACA are hurting consumers.

But with ministries costing about 30 percent less than private insurance, consumers who choose the more affordable path can’t be blamed for taking the easier way out.

Claiming to have the consumer’s best interest at heart, insurance commissioners from Kentucky, Washington, and Oklahoma have, in the past, decided to take action against ministries in their states. Thankfully, legislatures blocked the efforts. But as the cost of care continues to grow and the number of uninsured only shrinks because of the threat associated with non-compliance, other states may attempt to put an end to faith-based healthcare providers again, hurting thousands of consumers if they succeed.

In light of this report, will NY Mag’s Chait finally agree that Obamacare is making healthcare less affordable? Probably not. Nevertheless, ministries may have to fight yet another battle to stay open if membership growth remains steady.

Will Republicans Allow an Obamacare Bailout?

in Healthcare, Liberator Online, News You Can Use, Personal Liberty by Jackson Jones Comments are off

Will Republicans Allow an Obamacare Bailout?

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

One of the few bright spots in the government-funding bill passed last December was the inclusion of a provision that barred the Obama administration from using taxpayer dollars to bailout a little-known Obamacare program. Known as “risk corridors,” the program receives contributions from health insurance companies that make money from plans sold on the exchanges required by the law and redistributes it to those that experience losses.

Health Care

Congressional Republicans had targeted the program for repeal. In November 2013, Sen. Marco Rubio, R-Fla., introduced legislation, the Obamacare Bailout Prevention Act, to do just that. “The American people are sick of Washington picking winners and losers, especially since the chosen losers often end up being taxpayers who foot the bills for Washington’s mistakes,” Rubio said at the time. “Washington’s bailout culture must end, and eliminating Obamacare’s blank check for a bailout of insurance companies is a common sense step to protect taxpayers when Obamacare fails.”

Lobbyists for insurance companies worried about congressional action against the program, which, according to the administration’s propaganda, is supposed to be deficit-neutral. Without the program, insurers’ lobbyists said, premiums would rise and drive consumers away from the exchanges, possibly leading to a dreaded “death spiral.” While the bill didn’t see any action in the Senate, Rubio reintroduced it in January at the beginning of the new Congress.

The language prohibiting the use of taxpayer funds for the risk corridors program that was included in the government-funding bill applied only to fiscal year 2015. It would have to be inserted into the bill for fiscal year 2016 for it to continue to apply. This is where it gets interesting. Insurers have filed more in claims than money that’s available in the program.

“On October 1, 2015, the Centers for Medicare and Medicaid Services announced the total of collections and payouts under the risk corridor premium stabilization program for 2014. CMS announced that insurers have submitted $2.87 billion in risk corridor claims for 2014. Insurers only owe, however, $362 million in risk corridor contributions,” Health Affairs reported in October. “Thus payments in 2015 for 2014 will be paid out at 12.6 percent of claims, assuming full collections of contributions owed.”

In other words, the risk corridors program faces a more than a $2.5 billion shortfall. The only way to fill the gap is to transfer funds – i.e., taxpayer money – to cover the payments owed to insurers.

The House of Representatives is in the midst of working on the government-funding bill for fiscal year 2016. The current funding agreement expires on Friday, though lawmakers will likely pass an extension to give themselves more time to hammer out a framework. But without a specific language prohibiting the administration from using taxpayer money to make the risk corridors payments, taxpayers could be on the hook for what is, ostensibly, a $2.5 billion Obamacare bailout.

Kentucky ObamaCare Cooperative Will Close

in Economic Liberty, Healthcare, Liberator Online, News You Can Use by Jackson Jones Comments are off

Kentucky ObamaCare Cooperative Will Close

This article was featured in our weekly newsletter, the Liberator Online. To receive it in your inbox, sign up here.

Kentucky’s health insurance cooperative will close by the end of the year, leaving approximately 51,000 looking for coverage from other insurers that offer plans on the state’s insurance exchange. The Kentucky Health Cooperative is the latest of its kind to close down due to financial difficulties.

Health Care

Nonprofit insurance cooperatives are an integral part of the Affordable Care Act, or “Obamacare.” But this type of health insurance provider has hit significant snags. According to a recent report from the Department of Health and Human Services Office of the Inspector General, 21 of the 23 cooperatives created under the 2010 health insurance reform law are losing money and 13 aren’t meeting enrollment projections.

The report revealed that 21 cooperatives have lost $382 million combined. The Kentucky Health Cooperative ran the largest deficit, losing more than $50 million. Cooperatives were meant to compete on the exchanges with private health insurance. They were a compromise when leftists in Congress were unable to get the so-called “public option,” or single-payer, included in the Affordable Care Act.

The Kentucky Health Cooperative decided to shutter after finding out that it would receive a smaller than expected payout from the Affordable Care Act’s “risk corridors” program, according to The Hill. This program provides health insurers with payouts to cover some of the losses they incur for plans available on the exchange.

“It is with sadness that we announce this decision,” Kentucky Health Cooperative Interim CEO Glenn Jennings said in a release. “This very difficult choice was made after much deliberation. If there were a way to avoid it and simultaneously do right by the members, providers and all others that we serve, we would do so.”

“In plainest language, things have come up short of where they need to be,” he added.

Senate Majority Leader Mitch McConnell, R-Ky., reacted to the news by noting that the closure of his home state’s cooperative is a sign of deeper problems with the Affordable Care Act.

“Barely a week goes by that we don’t see another harmful consequence of this poorly conceived, badly executed law,” McConnell said on Friday. “Despite repeated Obama administration bailout attempts, this is the latest in a string of broken promises with real consequences for the people of Kentucky who may now be losing the health insurance they had and liked twice within the past three years because of Obamacare’s failures.”

Five cooperatives have closed, including Kentucky’s. Others include New York’s Health Republican Insurance and the joint venture for Iowa and Nebraska, CoOpportunity.

They Said It with John Boehner, Gary Johnson, and MORE

in Liberator Online by James W. Harris Comments are off

(From the They Said It section in Volume 20, No. 13 of the Liberator Online. Subscribe here!)

U.S. COVERED UP GASSING OF AMERICAN TROOPS: “During and immediately after the first Gulf War, more than 200,000 of 700,000 U.S. troops sent to Iraq and Kuwait in January 1991 were exposed to nerve gas and other chemical agents. Though aware of this, the Department of Defense and CIA launched a campaign of lies and concocted a cover-up that continues today. A quarter of a century later, the troops nearest the explosions are dying of brain cancer at two to three times the rate of those who were farther away. Others have lung cancer or debilitating chronic diseases, and pain. More complications lie ahead. According to Dr. Linda Chao, a neurologist at the University of California Medical School in San Francisco, ‘Because part of their brains, the hippocampus, has shrunk, they’re at greater risk for Alzheimer’s and other degenerative diseases.’” — journalist Barbara Koeppel, “U.S. Nerve Gas Hit Our Own Troops in Iraq,” Newsweek, March 27, 2015.

John Boehner (R-OH)“The world is starving for American leadership. But America has an anti-war president.” — U.S. Speaker of the House John Boehner (R-OH) during a Capitol Hill press conference, March 26. Apparently Obama’s ongoing U.S. military operations in Iraq, Afghanistan, Libya, Syria, Yemen, Somalia and Pakistan — not to mention covert operations around the world — slipped Rep. Boehner’s mind.

U.S. FOREIGN POLICY IN ONE TWEET: “US praises US ally for bombing US-equipped militia aligned with US foe who is partnering with US to fight another US-equipped militia.” — tweet by journalist/photographer Gregg Carlstromsent as Saudi Arabia began bombing Yemen, March 26, 2015.

YOU’RE ENTITLED (TO PAY FOR ENTITLEMENTS): “Your 2014 tax dollars — which are due [this] month — went primarily to pay for government benefits. Major entitlements (Medicare, Medicaid, Obamacare and Social Security) devoured more than half of the 2014 budget at 51 percent of spending. Other federal benefits took another 19 percent, meaning that 70 percent of government spending went to pay some sort of benefit to someone. These additional ‘income security’ and other benefits include federal employee retirement and disability, unemployment benefits, and welfare programs such as food and housing assistance.” — economist Romina Boccia, “The Breakdown of Where Your Tax Dollars Go,” Heritage Foundation, March 17, 2015.

THE MARIJUANA DISCONNECT: “Marijuana polls 60% in favor of legalization. Huge, insane, disconnect that the minority is maintaining criminal penalties for the majority!” — tweet by Gary Johnson, 2012 Libertarian Party presidential candidate, March 5, 2015.

Nick GillespieLET THEM BAKE — OR NOT BAKE — CAKE: “Nobody should be forced to do something they don’t want to do, whether it’s bake cakes for gay weddings or decorate cakes with anti-gay slurs. To me, whether a person’s or a business’s decision is based in religion is immaterial.” — Nick Gillespie, “Everybody’s Lost Their Goddamn Mind Over Religious Freedom,” The Daily Beast, April 1, 2015.

The Coming Government Debt Explosion — and How to Deal with It

in Business and Economy, Liberator Online by James W. Harris Comments are off

(From the Activist Ammunition section in Volume 20, No. 6 of the Liberator Online. Subscribe here!)

The U.S. ship of state is sailing full steam ahead — straight toward a massive debt iceberg. Debt Iceberg

Here are some genuinely shocking figures from “Medicare and Social Security Tabs Coming Due,” an article by Michael Tanner, senior fellow at the Cato Institute, in the March 2015 issue of Reason magazine:

  • The national debt recently reached $18 trillion — approximately 101 percent of the United States’ GDP.
  • The Congressional Budget Office projects the debt will rise to $27.3 trillion within the next decade. 
  • But those numbers are actually far too low — because they ignore Social Security and Medicare’s unfunded liabilities. Add those in, and the national debt hits $90.6 trillion.
  • Social Security, Medicare and Medicaid are responsible for fully 47 percent — nearly half — of federal spending, and they continue to grow. 
  • Social Security has a $24.9 trillion shortfall, while Medicare has $48 trillion in unfunded liabilities. Should healthcare costs rise, the Medicare figure could soar to $88 trillion. 
  • Just this year, Social Security will have a $69 billion cash-flow deficit. Every year after, that shortfall will worsen. And Medicare is in even worse financial shape than Social Security.

In an article at Vice News last January, Tanner described the difficult choices we face:

“To pay all the benefits promised in the future, Social Security would have to increase the payroll tax by as much as half, or find that revenue elsewhere. The government can always cut benefits, but without a tax increase those benefits would have to eventually be slashed by 23 percent. That would be very hard for seniors who depend on the program to get by.”

What to do about these problems? You can read Cato’s proposals for reforming Social Security at their Social Security reform website.

Cato’s research and proposals for health care and welfare reform (including Medicare and Medicaid and Obamacare) can be found here.

Libertarian Party presidential candidate Harry Browne offered his plan for replacing Social Security with consumer-based choices in his 1996 book The Great Libertarian Offer. Though the numbers are a bit dated, his explanation of Social Security’s problems, and his solution, remain very relevant, elegant, and easy to read and understand.

For a quick overview of genuine market-based health care reform, see this short 2015 article “What True Health Care Reform Would Look Like“ by Matt Battaglioli, published by the Mises Institute.

Finally, see “How to Eliminate Social Security and Medicare“ by George Reisman (Mises Institute, 2011) for more reasons why these programs should be eliminated, and a plan to accomplish this.

Libertarian Party Response to President Obama’s State of the Union Address: Why Not Peace, Liberty and Abundance for All?

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(From the Activist Ammunition section in Volume 20, No. 3 of the Liberator Online. Subscribe here!)

Immediately after President Obama’s State of the Union address and the Republican response, America’s third-largest political party, the Libertarian Party, weighed in with their take, offering a ringing pro-liberty alternative to the Big Government agendas of the two older parties.

The mass media declined to carry it, but don’t let that stop you from encountering a genuine libertarian State of the Union address. It was delivered by Arvin Vohra, vice chair of the Libertarian National Committee. You can see and read the entire response here.

Some highlights:

On education: 

“Mr. President, we can have world-class education. The first step is defunding and eliminating the federal Department of Education, abolishing Common Core, and allowing parents to take full control over their children’s education. Free-market competition will raise educational standards, lower costs, and prepare students to compete in a global economy.”

On ending the income tax: 

“Here’s how we really grow the economy and create jobs: dramatically cut taxes and government spending. Libertarian candidates have pledged to sponsor legislation to cut federal spending to 1998 levels and eliminate the income tax. That means that you keep the money you earn, and spend it how you see fit: on charities and the arts, science research, education, and the health care of your choice.

“Eliminating the income tax also defunds government’s ability to infringe on our privacy, to create enemies through needless wars, and to imprison our fellow citizens for victimless crimes.”

On ending the War on Drugs:

“Mr. President, so many of your supporters have begged you to defund and end the War on Drugs, but you have refused their pleas. Drug prohibition separates families, fosters violence, and destroys communities. You can end the War on Drugs today, by doing what so many Libertarian gubernatorial and presidential candidates have pledged to do: pardon all nonviolent drug offenders.

“Libertarian candidates have pledged to completely end the War on Drugs, and thereby eliminate the black market profits that fund violent cartels. Ending the Drug War will make our streets safer, and people will no longer have to fear incarceration if they seek help overcoming an addiction.”

On online privacy: 

“Americans should be able to use their computers and phones without fear of anyone listening in or recording their communications through mass surveillance. … To protect privacy, Libertarian candidates have pledged to defund the NSA’s mass surveillance program, repeal the Patriot Act, and massively downsize and consolidate redundant spy agencies.”

On war, military spending, and foreign intervention: 

“Mr. President, your party and the Republican Party are damaging lives here and abroad through misuse and overuse of the military. Libertarian candidates have pledged to sponsor legislation to end all foreign military operations, shut down needless foreign bases, cut military spending by at least 60 percent, and bring our troops home.

“Even after those spending cuts, we will still outspend both Russia and China combined. We will also be safer, because our military will be focused on defense. We will stop creating enemies through unwarranted military intrusions.”

On ending Obamacare:

“Republicans have talked about repealing and replacing Obamacare. With what? Romneycare? That will continue to damage businesses and make health care worse. When Republicans controlled the House, they had the chance to defund Obamacare. They refused.

“Libertarian candidates have pledged to completely repeal Obamacare along with the many laws that stand in the way of low-cost, high-quality health care. Providers will compete for customers by lowering costs and increasing quality.

“To help people in need, Libertarian candidates will make charitable hospitals legal. Doctors should not have to leave our borders to be able to offer free care.”

On the need for the Libertarian Party:

“We need to massively downsize and defund the federal government. But Republican and Democratic politicians only want to make it bigger. Get involved with the Libertarian Party in your state by going to LP.org, and by voting Libertarian.”

They Said It… With Congressman Dana Rohrabacher, Jonathan Gruber, and More

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(From the They Said It section in Volume 19, No. 21 of the Liberator Online. Subscribe here!)

Congressman Dana Rohrabacher“The fundamental principles are individual liberty, which Republicans have always talked about; limited government, which Republicans have always talked about; the doctor-patient relationship, which, of course, we have been stressing a lot about lately; and of course, states’ rights. … It is counterproductive to the people of this country to have our limited resources — we’re $500 billion in debt every year — to put in jail someone who is smoking a weed in their back yard, or especially for medical purposes. It is a total waste of resources. … To my fellow Republicans, this is going to help you politically. If I can’t appeal to you on your philosophical nature, come on over for just raw politics, the numbers are going this way now.” — U.S. Congressman Dana Rohrabacher (R-CA), former Reagan press secretary and speech writer, quoted in the Washington Post November 14, 2014.

“If you have a law that makes explicit that healthy people pay in and sick people get money, it wouldn’t have passed. … Lack of transparency is a huge political advantage. And basically, call it the ‘stupidity of the American voter’ or whatever, but basically that was really, really critical to getting the thing to pass.” — Obamacare architect Jonathan Gruber, who was paid nearly half a million dollars to help craft Obamacare, in a 2013 video that surfaced this month.

WHERE IS THE ANTI-WAR LEFT? “Hundreds of airstrikes, over 3,000 soldiers deployed, and a request for $5.6 billion is a war, folks. Had President Mitt Romney just doubled our military presence in the Middle East and launched airstrikes that even the Kurds and the Free Syrian Army have criticized, the reaction would have been entirely different from liberals throughout the country. We once again have over 3,000 American boots on the ground in Iraq (without a peep from the anti-war left)…” — journalist H. A. Goodman, “I’m a Liberal Democrat. I’m Voting for Rand Paul in 2016. Here Is Why,” Huffington Post, Nov. 17, 2014.

YET ANOTHER DUMB WAR: “For most of this century, we’ve been fighting wars to enhance our security, and each time, we find ourselves with more enemies and less security. By now it should be clear that is not a coincidence.”— syndicated columnist Steve Chapman, “The U.S. Goes to War Without a Clue, Again,” November 6, 2014.

They Said It…

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(From the They Said It… section in Volume 19, No. 5 of the Liberator Online. Subscribe here!)

NSA Director Keith AlexanderNSA HEAD PREDICTS LEGISLATION TO RESTRICT FIRST AMENDMENT: “I think we are going to make headway over the next few weeks on media leaks. I am an optimist. I think if we make the right steps on the media leaks legislation, then cyber legislation will be a lot easier.” — outgoing NSA director General Keith Alexander, March 4, 2014. An outspoken opponent of whistleblower Edward Snowden and journalist Glenn Greenwald, Alexander himself has been accused by critics of leading unconstitutional programs and lying to Congress.

Charlie Earl
LIBERTARIAN CANDIDATES “BANNED” BY GOP IN OHIO: “I really am theequivalent of a book in Boston. Yeah, I’ve been banned.”  — Libertarian Party of Ohio gubernatorial candidate Charlie Earl, after Republican Secretary of State Jon Husted disqualified Earl and attorney general candidate Steven Linnabary from the May 6 primary, based on an obscure clerical error. This new Republican attack follows a failed attempt in January to keep all Libertarians off the 2014 ballot. In Ohio the GOP governor faces a very close race and a strong LP showing could cost him the election.

NORTH KOREA OFFERS BALLOT MODEL FOR DEMOCRATS, REPUBLICANS: “With no one else on the ballot, state media reported Monday that supreme leader Kim Jong Un was not only elected to the highest legislative body in North Korea, he won with the unanimous approval of his district, which had 100 percent turnout. … Voters in the election have no choice who to vote for — there is only one candidate’s name on the ballot for each district.” — Associated Press, “NKorea: Not a Single Vote Cast Against Kim Jong Un,” March 10, 2014. (See quote above about Ohio’s ballot shenanigans.)

Secretary of State John KerryKERRY CALLS FOR NON-INTERVENTION — FOR EVERYONE ELSE: “You just don’t invade another country on phony pretext in order to assert your interests. … You just don’t in the 21st century behave in 19th century fashion by invading another country on completely trumped-up pretext.” — U.S. Secretary of State John Kerry on TV news shows Face the Nation and Meet the Press, March 2, 2014. Apparently Kerry is not familiar with recent U.S. activities in Iraq, Libya, Somalia, Yugoslavia, etc. etc. etc.

Jimmy FallonGOD SAYS DON’T BLAME ME FOR OBAMACARE: “This week President Obama told his supporters that they are doing God’s work by helping to promote Obamacare. God said, ‘Whoa, there. Look, I’m flattered. But Obamacare, that’s all you, man. Don’t involve me in that mess.’” — Jimmy Fallon, Feb. 27, 2014

Video: Hilarious Remy Take on “Working 9 to 5″

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(From the Intellectual Ammunition section in Volume 19, No. 5 of the Liberator Online. Subscribe here!)

The great liberty-minded comedian Remy sings about working “9 to… hey, wait a minute!”

See how Obamacare shakes up Remy’s employment situation. And he’s not the only one…

Watch it, laugh, then share with friends. PS: Lyrics, with helpful info links, are at the bottom of this page.


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 “And the worst thing about losing this job, I’m no longer covered by NBC. I have to sign up for Obamacare!” — Jay Leno on his last day as host of The Tonight Show, Feb. 6, 2014.

RAND PAUL TAKES ON NSA: “The Fourth Amendment states that warrants issued must be specific to a person, place or task and this provision of the Bill of Rights exists explicitly to guard against the notion of a general warrant,where government can plunder through anyone’s privacy at will. The NSA’s metadata collection program is a general warrant for the modern age, reflecting the same kind of tyranny our nation’s founders fought a revolution to make sure would never happen again. … It’s time to trash the NSA’s mass surveillance of Americans, for good.” — Sen. Rand Paul (R-KY), “The NSA is still violating our rights,” The Guardian, Feb. 20, 2014.

THE UNCONSTITUTIONAL WAR ON MARIJUANA: “The truth is that the federal ban on marijuana — unlike the federal ban on alcohol, which began and ended with constitutional amendments — has no basis in the powers granted by the Constitution, at least insofar as it purports to reach purely intrastate activities.” — syndicated columnist Jacob Sullum, “Let 50 Cannabis Flowers Bloom,” Jan. 29, 2014.

YES, THE GOV’T CAN KILL AMERICAN SUSPECTS ON AMERICAN SOIL: “The truth emerged only in 2013 when Senator Rand Paul asked point-blank whether the president could authorize lethal force, such as a drone strike, against an American citizen in the United States. Attorney General Eric Holder fired back that while the question was ‘hypothetical,’ the real-world answer was yes. Holder said he could imagine ‘an extraordinary circumstance in which it would be necessary and appropriate under the Constitution and applicable laws of the United States for the president to authorize the military to use lethal force within the territory of the United States.’ … They’ve thought about it. They’ve set up the legal manipulations necessary to justify it. The broad, open-ended criteria the president laid out for killing suspected terrorists exposes the post-Constitutional stance our government has already prepared for. All that’s left to do is pull the trigger.” — journalist Peter Van Buren, “How to Build a Post-Constitutional America One Killing at a Time,” February 17, 2014.

WHY TRUST THE GOV’T: “The United States has been lying to its people for more than 50 years, and such lies extend from falsifying the reasons for going to war with Vietnam and Iraq to selling arms to Iran in order to fund the reactionary Nicaraguan Contras. Why should anyone trust a government that has condoned torture, spied on at least 35 world leaders, supports indefinite detention, places bugs in thousands of computers all over the world, kills innocent people with drone attacks, promotes the Post Office to log mail for law enforcement agencies and arbitrarily authorizes targeted assassinations?” — Prof. Henry A. Giroux, “Totalitarian Paranoia in the Post-Orwellian Surveillance State,” Truthout, Feb. 10, 2014.

THE FOUNDERS BETRAYED: “The bottom line is that we’ve betrayed much of the moral vision of our Founding Fathers. In 1794, when Congress appropriated $15,000 for relief of French refugees who had fled from insurrection in San Domingo to Baltimore and Philadelphia, James Madison rose on the floor of the House of Representatives to object, saying, ‘I cannot undertake to lay my finger on that article of the Constitution which granted a right to Congress of expending, on objects of benevolence, the money of their constituents.’ Tragically, today’s Americans — Democrat or Republican, liberal or conservative — would hold such a position in contempt and run a politician like Madison out of town on a rail.” — syndicated columnist and economist Walter Williams, “Concealing Evil,” Feb. 19, 2014.

Video: Coffeecare —The Affordable Coffee Act

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You know how you buy a cup of coffee. You just go into the store, ask for what you want, and pay. End of story.

But… What if we had to buy our coffee like the government is now forcing us to buy health insurance? What if, like Obamacare, we had… Coffeecare?

This scathing and very funny animated video by RealityAlwaysWins show us. The result is a lot of laughs and a thorough indictment of the bitter brew that is Obamacare. All in just three and a half short and funny minutes.

Share it online with friends. It will open their eyes and let them smell… the Coffeecare.

They Said It… With George Will, Peggy Noonan, and More

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(From the They Said It.. section in Volume 18, No. 15 of the Liberator OnlineSubscribe here!)

Peggy Noonan“The FBI is able to remotely activate microphones on phones running Android software. They can now record conversations in this way. They can do the same with microphones in laptops. They can get to you in a lot of ways! Does this make you nervous? If not, why not?” – Peggy Noonan, “Why Christie Is Wrong,” Wall Street Journal blogs, August 5, 2013.

Bill of Rights

WHAT FIRST AMENDMENT?: “Asked to name the five specific freedoms in the First Amendment, 59% of Americans could name freedom of speech, followed by 24% who could name freedom of religion, 14% freedom of the press, 11% the right to assemble, and 4% the right to petition. Thirty-six percent of Americans cannot name any of the rights guaranteed by the First Amendment.” – The First Amendment Center reporting findings of its annual national survey of American attitudes about the First Amendment.

CHILLINOIS: “Today Illinois became the 20th state to legalize [medical] marijuana. The state also changed its name to Chillinois.” — Conan O’Brien, August 1, 2013.

THE “LIBERTARIAN MOMENT” IS HERE: “From issues such as same-sex marriage and legal marijuana to restrictions on government spying and U.S. intervention in foreign affairs, the nation is engaged in a new ‘libertarian moment,’ politicians and political scientists say.” — reporters Dave Helling and Steve Kraske, “Nation has arrived at a new ‘libertarian moment,’ experts say,” Kansas City Star, August 4, 2012.

George Will“What libertarianism says — it comes in many flavors and many degrees of severity, and it basically says before the government abridges the freedom of an individual or the freedom of several individuals contracting together, that government ought to have (A) a compelling reason; and (B) a constitutional warrant for doing so. Now, if Mr. Christie thinks that’s a dangerous thought, a number of people are going to say that Mr. Christie himself may be dangerous.” — pundit George Will responding to New Jersey Gov. Chris Christie’s recent attacks on libertarianism, on ABC’s “This Week,” August 4, 2013.

JAY LENO ON OBAMACARE LIES: “The Obama administration has admitted that, under Obamacare, you might not be able to keep your doctor. At first the president guaranteed you’d be able to keep your doctor, and now they’re saying you ‘might’ be able to. Today Obama changed his slogan from ‘Yes we can’ to ‘Perhaps we could try. Can’t promise anything.’” — Jay Leno, July 24, 2013.

JAY LENO GIVES THANKS: “Detroit has become the largest city in U.S. history to file for bankruptcy. What happened was Detroit’s population dropped something like 70 percent, but the government got bigger. The tax base got smaller, but the government got bigger. Thank God that kind of thing could never happen in Washington.” — Jay Leno, July 22, 2013.