Category Archives: The State

Collapse Of The Child-Only Healthcare Market

Barack Obama, Healthcare, Regulation, Socialism, The State

Here is yet another unhappy installment in a BAB series of posts on the effects of the Obama healthscare, as these percolate throughout the economy.

This time it is “the collapse of the child-only market.” Reports the Wall Street Journal:

This week Democrats threw a six-month birthday party for ObamaCare—and the timing was only appropriate since it occurred at the same moment their reform annihilated a corner of the U.S. insurance market.

Democrats were celebrating the arrival of ObamaCare’s first regulatory wave, which was designed to land weeks before the election. These include mandated benefits like “free” preventive care (i.e., the cost is built into the premiums). Democrats think these “consumer protections” poll well, even though they’re already raising consumer rates across the country. But the most immediately destructive item turned out to be new rules governing private health coverage for children.

This week, almost every big insurance company in America—including Aetna, Cigna, UnitedHealth Group, WellPoint, Humana, Coventry, some Blue Cross Blue Shield affiliates and others—stopped writing “child-only” policies in the individual market. This is a niche product that parents typically buy when their employer health plan doesn’t cover dependents. The exact plans vary company to company and state to state, and the insurers will still offer family policies and make good on the child-only policies that they’ve already sold. But most won’t be writing new ones.

In other words, for-profit businesses are refusing to sell products that consumers want to buy. Exact data aren’t available, but the child-only market covers roughly a million kids a year.

The reason is a regulation that President Obama mentions every time he talks about health care, as he did recently in Falls Church, Virginia: “Children who have pre-existing conditions are going to be covered.” Insurers are now required to cover everyone under 19 when their parents apply for coverage, regardless of health status. The problem with this kind of “guaranteed issue” is that it encourages people, in this case parents, to wait until their kids are sick before seeking coverage.

This drives up premiums for the healthy, encouraging consumers in turn to drop coverage, and eventually it leads to what’s known as a “death spiral,” the industry term for an insurer with rapidly increasing costs as a result of population changes in its coverage pool. The child-only market is a particular death-spiral risk because it is so small and unstable, which explains why so many insurers left in a stroke.

MORE.

If we are to believe a new AP poll—and my thesis in “Statism Starts With YOU!”—Americans “who think the law should have done more outnumber those who think the government should stay out of health care by 2-to-1.”

The fatter the feds the happier Americans are.

UPDATE II: Images From The WorldNetDaily 2010 Conference (& Snapshots From The Journey)

Capitalism, Etiquette, Family, Homeland Security, Ilana Mercer, IlanaMercer.com, Multiculturalism, Pop-Culture, The State

After nine years with WND, it was time to meet the people who have been brave enough to showcase my column for that duration; the people who patiently field my (weekly) pedant’s requests for this or the other editorial correction.

Unfortunately, I was unable to stay for the duration of the WorldNetDaily 2010 Conference, which was held at the Doral Golf Resort & Spa, in Miami. This was the case because my mother is visiting with us from The Netherlands, and was home birdie-sitting all alone on Yom Kippur.

“WND And Me” sums up the role of WND in my career, such as it is.

Never, “in all my years with WND.com, the Internets leading, largest independent website,” have I so much as been censored—not even when, in July of 2003, I likened Bush’s ‘Bring ’em on grin’ to the grimace ‘on the face of a demented patient with end-stage syphilis.'”

WND’s intrepid editors have fielded many a missive demanding I be dropped. ‘Guys,’ complained one devotee, “I am about to boycott your splendid website…Ilana’s views are just too … out of sync with other contributors on your site [when it comes to the invasion of Iraq].” What the reader failed to comprehend was that WND was not looking for conformity—at least not from me. And for that I am grateful. I am temperamentally not suited to obedience, not when truth is at stake.

Here I am with the gifted Albert Thompson (already a dear friend), who practically ran the event, and WND’s lovely young book editor, Megan Byrd:

With Joseph Farah at the WND cocktail party.

With the one-and-only Erik Rush, who, I discovered, is also a gifted musician

Jerome Corsi and former Assistant Secretary of State, Alan Keyes.

Dining out with Sean.

UPDATE I (Sept. 19): Snapshots From The Journey.

I am giving in to hyperbole, but when the large African-American woman—employed by the American taxpayer to torment the same subjects at the airport—summoned me with a crooked finger for a pat down, I thought of the film “Midnight Express.” And in particular, the scene where Billy Hayes’ far-from-delightful Turkish jailer schemes to enjoy some time alone with the young American.

America’s airports are ugly places, where statism interfaces with the squalor of mass society. The workforce at the nation’s airports is, mostly, a malicious, affirmatively appointed contingent of minorities, mainly imported. All speaking Pidgin English, and each one singularly focused on exacting revenge on thinner, richer, paler, perceived oppressors.

The poor are first to complain about capitalism, but it has given them cheap travel (and cheap everything else). Once-upon-a-time a trip was a special occasion. You dressed in your finest for it. Now, every tom, dick and harry can afford to fly. Thus the airport’s often-inhospitable waiting lounges are filled with the detritus of humanity; slack-jawed youths talking at the top of their voices, or texting feverishly, mouths agape. Or shamelessly scenting the ether with the orificial end product of nasty food. (Yes, I kid you not.)

Everywhere apparent are “women lost to shame,” to use Edmund Burke’s description of the new breed of woman loosed upon humanity by the Jacobin forces of the Revolution in France. I refer to the kind that spills out of her hot pants and blouses and carries on like a harlot.

A tea shirt popular at the Miami International Airport was one that read, “Miami Bitch.” Many women had voluntarily donned this thing, and it was the cause of much guffawing among them. In “Idiocracy” mode, a semantic trick achieved with vowels elicited a lot of laughter.

Of course, one does see the odd lady among the feral females.

Miami: From the little I saw of it, Miami is a hellishly hot, flat, hellhole. I can see why Tom Tancredo called Miami a Third World place. English is not a first language there. The word that encapsulates that spot’s work ethic is “mañana”: tomorrow.

What can one add about those unpleasant, ugly, old flight attendants? That profession too was once the preserve of females young, pretty and single, who got the opportunity to see the world. By the looks of it, youth and pulchritude are exclusionary criteria; banished, except, I am told, on airplanes flown by China, Singapore and Dubai.

When we emigrated from South Africa to Israel I was a little girl. I remember being awed by the beauty and gentility of the El Al airhostesses. These days, a look from the Delta flight attendants, all in their dotage, is enough to unsettle the most seasoned traveler.

UPDATE II (Sept. 21): These images have now been added to the gallery.

The Blair Third-Way Blur

Britain, Conservatism, Economy, Europe, Republicans, Socialism, The State

How serious are Republican boosters about liberty? Tony Blair serious. Sean Hannity interviews Mr. Blair, and tries to get this consummate Third-Way politician to repeat the Hannity inanities, among which are the following catch phrases: We want a small government (translation: you call the state behemoth small when a Republican is at the helm), and a strong national defense (translated: defend the indefensible invasions so long as they are started by Republicans).

Republican economics: condemn the Keynesian voodoo, as you grope obscenely for the “stimulus packages,” and while rudely wanking your business buddies in full view of disgusted onlookers.

Blair is way cleverer. He re-branded “the Keynesian model” as a Third Way sort of kosher statism about which your host (support her, please!) wrote way back in … 2000, in the Calgary Herald column, “Third Way is Socialism’s New Bandwagon.”

To the request that he make a token grumble against Sean Hannity’s ostensible peeve, Blair replied:

“I happen to think in this case there’s a third way, which is a state that is strategic and empowering, where your welfare and public service policies are reformed and modernized from the 1940s.”

What a sweet molester is our Uncle Sam and his cousin across the pond.

Danish-Style Welfare

America, Democracy, Europe, Multiculturalism, Nationhood, Political Philosophy, Socialism, The State, Welfare

“The pigs to which the politicians pander outnumber—and are electorally stronger than—the productive whom they plunder. The first are feeding off the second and will not let-up. To remove or not to remove the teat of the Welfare State from its primary beneficiaries: that will be the question on the Tuesday following the first Monday, in November.” Indeed, fewer and fewer are working to feed more and more Americans. USA Today has the latest astounding figures:

“Government anti-poverty programs that have grown to meet the needs of recession victims now serve a record one in six Americans and are continuing to expand.

More than 50 million Americans are on Medicaid, the federal-state program aimed principally at the poor, a survey of state data by USA TODAY shows. That’s up at least 17% since the recession began in December 2007.

“Virtually every Medicaid director in the country would say that their current enrollment is the highest on record,” says Vernon Smith of Health Management Associates, which surveys states for Kaiser Family Foundation.

The program has grown even before the new health care law adds about 16 million people, beginning in 2014. That has strained doctors. ‘Private physicians are already indicating that they’re at their limit,’ says Dan Hawkins of the National Association of Community Health Centers.

More than 40 million people get food stamps, an increase of nearly 50% during the economic downturn, according to government data through May. The program has grown steadily for three years.

Caseloads have risen as more people become eligible. The economic stimulus law signed by President Obama last year also boosted benefits.”

[SNIP]

Statism Starts With Us!

Some time ago Oprah Winfrey discovered that the welfare state of Denmark was home to the happiest people in the world. She and others (Bill O’Reilly and his “Cultural Cretins” opposed her observations for no intelligent reason) have put this happiness down to “Free health care, education and long leave for new parents … A simple life and a strong social system.”

Copenhagen is one of the world’s most environmentally conscious cities. A third of the population rides bikes, many with groceries and kids in tow. Homelessness and poverty are extremely low here. If you lose your job, the government continues to pay up to 90 percent of your salary for four years. You’re never going to be homeless on the street.

I suspect that what makes “Denmark one of the best places on earth to live, according to American talk show star Oprah Winfrey” has quite a bit to do with fellow feelings of unity. Denmark is still relatively homogeneous, with a migration rate of 2.48 migrant(s)/1,000 population.

Multiculturalism immiserates.

It is also a tiny country of only 5.5 million people. A welfare state can chug along if it is small and well-managed. A welfare sytem consisting of 310 million people is doomed.

More importantly: If a good majority in a culturally homogeneous country has agreed on such a system of welfare, it is more likely to make them happy.

Moreover, direct-democracy initiatives on crucial matters are more prevalent in Europe than in the US. I mean, if you are going to suffer the blight of democracy, at least make it a direct democracy as a representative one is on par with tyranny:

“Of the constitutional provisions for mandatory constitutional referendums, those of Denmark, Ireland and Switzerland have been put into practice. In these states, mandatory referendums are required on all constitutional ]matters], whereas in Spain and in Austria mandatory referendums required only on fundamental changes to the constitution, and in Iceland only on certain types of constitutional amendments.”

“The Danish case illustrates how the referendum has been adopted as an institution that limits the powers of parliamentary majorities. The mandatory referendum was first adopted in Denmark in 1915 to compensate the abolition of the requirement that constitutional changes should be passed in two subsequent parliaments.”