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

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

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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.

They Said It… With Doug Bandow, Judge Andrew Napolitano And More

in Liberator Online by James W. Harris Comments are off

(From the They Said It section in Volume 20, No. 1 of the Liberator Online. Subscribe here!)

THE DRUG WAR GULAG: “The U.S. rate of incarceration, with nearly one of every 100 adults in prison or jail, is five to 10 times higher than the rates in Western Europe and other democracies… America puts people in prison for crimes that other nations don’t, mostly minor drug offenses, and keeps them in prison much longer. Yet these long sentences have had at best a marginal impact on crime reduction.” — former U.S. Treasury Secretary Robert E. Rubin and Nicholas Turner, “The Steep Cost of America’s High Incarceration Rate,” Wall Street Journal, Dec. 25, 2014.

DEATH BY FDA: “The paternalist FDA long has delayed the approval of life-saving drugs, thereby killing thousands of people, far more than the number likely saved by preventing the sale of dangerous medicines.” — Doug Bandow, Cato Institute, “Close the Government to Close Bad Government Programs,” Cato Blog, December 31, 2014.

POLICE WATCHING YOU ONLINE:
Scottish Police on Twitter“Please be aware that we will continue to monitor comments on social media & any offensive comments will be investigated.” — tweet by the Scottish police, Dec. 30. Such monitoring is on the rise in the UK, according to the UK Independent; about 20,000 people in Britain have been investigated in the past three years for comments made online, and some have been arrested and imprisoned.

Judge Andrew Napolitano

NAPOLITANO ON TORTURE: “All torture is criminal under all circumstances — under treaties to which the U.S. is a party, under the Constitution that governs the government wherever it goes, and under federal law. Torture degrades the victim and the perpetrator. It undermines the moral authority of a country whose government condones it. It destroys the rule of law. It exposes our own folks to the awful retaliatory beheadings we have all seen. It is slow, inefficient, morbid, and ineffective. It is a recruiting tool for those who have come to cause us harm. All human beings possess basic inalienable rights derived from the natural law and protected by the Constitution the CIA has sworn to uphold. Torture violates all of those rights.” — Judge Andrew P. Napolitano, “The CIA and Its Torturers,” syndicated column, Dec. 11, 2014.

100 YEARS OF THE WAR ON DRUGS:
Mark Thornton“The War on Drugs … kills thousands of people, destroys untold number of lives, and wastes hundreds of billions of dollars every year. … What has the War on Drugs accomplished? It has not reduced access to illegal drugs. It has not reduced illegal drug use or abuse. It has not reduced the rate of addiction. If anything, the rates of use, abuse, and addiction have increased over the past century. Prison population statistics clearly indicate that it has been used to suppress minorities.

“It has also greatly increased the powers of law enforcement and the legal system and reduced the legal rights and protections of citizens under the tradition of the rule of law. It has greatly increased the militarization of the police and the use of the military in police work. It has also led to a significant increase in U.S. political and military intervention in foreign nations, particularly in the drug supply nations of Central and South America. … it is the number one cause of crime, corruption, and violence in the United States, as well as many of the countries of Central and South America.” — economist Mark Thornton, “The War on Drugs Was Born 100 Years Ago,” Mises Daily, December 17, 2014.

The Greatest Achievement in Human History?

in Liberator Online by James W. Harris Comments are off

(From the Intellectual Ammunition section in Volume 19, No. 20 of the Liberator Online. Subscribe here!)

Despite the best efforts of government to restrict or sometimes even outlaw free markets, free enterprise has brought us perhaps the greatest achievement in history: the largest and fastest reduction in worldwide poverty ever.

This good news comes from economist Douglas A. Irwin’s November 2 Wall Street Journal piece “The Ultimate Global Antipoverty Program.”

The subhead gives the essence of the story: “Extreme poverty fell to 15% in 2011, from 36% in 1990. Credit goes to the spread of capitalism.”

Writes Irwin:

The World Bank reported on Oct. 9 that the share of the world population living in extreme poverty had fallen to 15% in 2011 from 36% in 1990. Earlier this year, the International Labor Office reported that the number of workers in the world earning less than $1.25 a day has fallen to 375 million 2013 from 811 million in 1991. …

The economic progress of China and India, which are home to more than 35% of the world’s population, explains much of the global poverty decline. But many other countries, from Colombia to Vietnam, have enacted their own reforms. …

Such stunning news seems to have escaped public notice, but it means something extraordinary: The past 25 years have witnessed the greatest reduction in global poverty in the history of the world.

And free enterprise deserves the credit, Irwin emphasizes:

“To what should this be attributed? Official organizations noting the trend have tended to waffle, but let’s be blunt: The credit goes to the spread of capitalism. Over the past few decades, developing countries have embraced economic-policy reforms that have cleared the way for private enterprise.”

In contrast, “The poorest parts of the world are precisely those that are cut off from the world of markets and commerce, often because of government policies.”

Why haven’t we heard more about this? Why isn’t the world cheering?

Says Irwin: “The reduction in world poverty has attracted little attention because it runs against the narrative pushed by those hostile to capitalism. The Michael Moores of the world portray capitalism as a degrading system in which the rich get richer and the poor get poorer. Yet thanks to growth in the developing world, world-wide income inequality — measured across countries and individual people — is falling, not rising, as Branco Milanovic of City University of New York and other researchers have shown.”

We have often said that spreading the ideas of liberty is “the great Cause that makes all other great causes possible,” and that liberty is literally a life-and-death matter for the people of the world. Here is proof of that.

Everyone working in our great Cause can take encouragement from this extraordinary leap forward — and redouble our efforts to remove the shackles of poverty and oppression from all the people of the world.

They Said It… With Judge Napolitano, Seth Meyers, and More

in Liberator Online by James W. Harris Comments are off

(From the They Said It section in Volume 19, No. 20 of the Liberator Online. Subscribe here!)

OBAMA’S ILLEGAL WAR: “The war against the Islamic State is now illegal. The War Powers Resolution of 1973 gave President Obama 60 days to gain consent from Congress and required him to end ‘hostilities’ within 30 days if he failed to do so. This 90-day clock expired this week.” — Bruce Ackerman. professor of law and political science at Yale University, “Congress must act as Obama’s war against the Islamic State hits an expiration date,” Washington Post Nov. 7 2014.

MEET THE NEW BOSS, SAME AS THE OLD BOSS: “In case you didn’t notice, the new Congress is likely to be closer to President Obama’s views on executive power, surveillance, transparency.” — post-election tweet from Atlantic.com journalist Conor Friedersdorf, Nov. 5, 2014.

Judge Andrew NapolitanoTWEEDLEDUMB AND TWEEDLEDUMBER: “The two major political parties are more alike than they are different. On the two paramount issues of our day — war and debt — they are identical. With the exception of Democratic progressives and Republican libertarians, the two parties stand for perpetual war and perpetual debt. Both stances increase the power of the government, and each invites present and future destruction.” — Judge Andrew Napolitano, “More Culture Wars,” syndicated column, Nov. 6, 2014.

COINCIDENCE? “New Hampshire has among the least restrictive gun laws in the U.S. and the lowest homicide rate of any state.” — tweet from the Free State Project, Nov. 11, 2014.

YOUR FBI FILE: “Nearly one out of every three American adults are on file in the FBI’s master criminal database. … Over the past years, prompted by changing police tactics and a zero-tolerance attitude toward small crimes, authorities have made more than a quarter of a billion arrests, the Federal Bureau of Investigation estimates.” — reporters Gary Fields and John R. Emshwiller, “For More Teens, Arrests by Police Replace School Discipline,” Wall Street Journal, Oct. 20, 2014.


VA BLUES:

Seth Meyers“It’s been announced that a Union soldier who fought at the Battle of Gettysburg in the Civil War will be awarded the Medal of Honor by President Obama over 151 years after his death. Even better, he finally got an appointment at the VA hospital.” — Seth Meyers, “Late Night With Seth Meyers,” Nov. 6, 2014.

New Poll: Americans Want A More Libertarian Foreign Policy

in Foreign Policy, Liberator Online by James W. Harris Comments are off

(From the Intellectual Ammunition section in Volume 19, No. 8 of the Liberator Online. Subscribe here!)

Nearly half of the public, and a strong plurality, say the United States government should intervene less in the internal affairs of other nations, as libertarians have long urged.

That’s the finding of a new Wall Street Journal/NBC News poll conducted April 23 to 27 and released May 1.

Fully forty-seven percent said the U.S. should “become less active in world affairs.” Only 19 percent — less than one in five — said it should be more active, and just 30 percent said it should remain at the current level.

This is consistent with a Pew Research Center poll we reported on last year, which found a record 52 percent of Americans agreeing that the United States “should mind its own business internationally.” That figure is a 40-year low.

Notes the political newspaper The Hill: “The latest numbers are a stark contrast from public opinion WSJ and NBC News recorded just after 9/11, when 40 percent of people wanted the U.S. to engage more of the world and only 14 percent wanted it to be less active.”

The WSJ/NBC poll also found support for President Obama’s interventionist foreign policy extremely low. Only a bit over a third approved of his handling of foreign policy. Just 37 percent said they approve of Obama’s handling of Russia’s intervention in Ukraine.

The entire poll can be seen here.