DLGWGTW: October 1, 2017

In the spirit of “don’t let good writing go to waste,” this is a roundup of some of my recent social media comments. I’m one of those people who likes to take my free education to a number of left-leaning social media sites, so my readers may not see this.

My argument regarding federal workers from last week went on:

Seeing that I’ve had over two decades in the field and my industry isn’t one that’s “affected by automation and digitization” you may want to try again.

And I did not bring up Obamacare because no one really knew what it looked like at the time. It was just a sense that the economy was going to rebound very slowly, if at all. Having seen some of what O’Malley did over the previous two years and how it affected our local economy, people were bearish on prospects.

And you may want to ask our friend who was laid off in 2009 (above) why he blames his situation on Bush? He was out of office after January.

I’ll start the new stuff with some thoughts on infrastructure, in agreement with a trucker friend regarding the expansion of several highways across the bridge:

“You eliminate congestion by building more and separate roads. That is the only way.”

Very true. For example, imagine if the state had completed I-97 as envisioned to Richmond – then people may have used it as an alternate to I-95. The same would hold true if the feds, Maryland and Delaware would extend the current Delaware Route 1 corridor from I-95 to Dover as a badged spur of I-95 to Salisbury, providing a limited access, 70 mph link across Delaware,

Since many people consider U.S. 13 an alternate route to I-95 to avoid Baltmore and D.C. why not give them better options?

I’ve said this for years, and it still holds true: to succeed this area needs better infrastructure and access for goods to reach larger, more populated markets.

Yes, there was a big National Anthem controversy last Sunday. But my “boycott” of the NFL has been for the last several years because I agree the play has been awful (this coming from a coach.)

I’ve noticed that too. Obviously you can’t throw out the size and speed differences, but a team like the ’72 Dolphins or Lombardi-era Packers would mop up the floor with most of these teams because they played better fundamental football.

Another friend of mine contends that we shouldn’t boycott the NFL for the actions of a few. But if the economic juggernaut that is the NFL went away, there would still be college football, right? I’m not so sure:

Maybe this year, and the next. But as the issues with long-term brain damage percolate more and more, and the big money is no longer to be found at the end of the rainbow for the players, you may find in a decade or so that the college game will begin to wither, too. You’ll lose the FCS and small FBS schools first, but eventually we may be down to a small number of programs.

But the big rivalries like Michigan-Ohio State would go on, right?

Being from Toledo I know the importance of that rivalry. But if parents aren’t letting their kids play football for fear of long-term injury, the pool of talent necessarily will shrink. Unlike other sports, football doesn’t seem to have a foreign pipeline of talent to choose from.

Turning to a more local protest, who knew that chalk could be so controversial?

It’s chalk. People chalk up the sidewalks at 3rd Friday and no one bats an eye. Unfortunately, since there’s no real chance of rain in the forecast some county employee had to take a half-hour to hose it off.

I have some photos that may make for a good post later this week, so stay tuned.

Yet the protests ignore larger local issues, such as job creation, as a letter to the local newspaper pointed out in a backhanded way. But I don’t.

Unfortunately, right now (gas station and convenience store jobs are) where the market is. And while we have a governor who seems to be interested in bringing good-paying jobs – jobs that add value to commodities, not just the same semi-skilled positions we already have too many of – our legislature seems uninterested in assisting him because they cater to the REAL state industry – serving the federal government.

But the best way to stay out of poverty is following rules in this order: finish school, find a job, get married, then have children, Too many people do these things in the wrong order (particularly the last one) and end up working low-wage dead-end jobs.

Now someone did note that the best way to stay out of poverty is for all to work and not have kids, but if everyone did that we’d be extinct in a century or less. So that’s not realistic.

In a similar vein, I had to help a gubernatorial candidate understand things, too.

So look at the map of Maryland. The area around Washington, D.C. is light blue and green while the western panhandle and Eastern Shore are varying shades of orange. But this is deceptive in a way because median income around Washington is so high that it pulls the average way up and makes this area look worse by comparison.

Then consider the current and previous sources of wealth for various regions of the state: in the western panhandle it used to be coal and could have been natural gas had Governor Hogan not been shortsighted enough to ban fracking, which could have increased their score.

As you get closer to Washington, the source of wealth is the American taxpayer, either directly via working for the federal government or indirectly as many companies headquarter there to be closer to that taxpayer-provided manna.

The Baltimore area used to be industrial, but those jobs went away and now they are heavily into services, Some jobs are good and some menial, but too many have no jobs.

Finally, in a crescent around from Carroll County through the Eastern Shore, agriculture is heavy and in our area chicken is king. We have a share of the tourist dollar in season, but the backbone is agriculture.

People who talk about one Maryland are all wet, in my humble opinion.

But it also makes things deceptive in terms of “prosperity.” One can live on the median salary rather well here because housing is inexpensive but struggle mightily in the urban areas where rent is twice as high.

I agree there should be more of a focus on vocational education, though. Not everyone is college material – and I don’t say that in a bad way. Many youth have abilities that won’t reflect on the ACT but will reflect in the real world.

See, I’m bipartisan and can find common ground with people like Alec Ross. It’s hard with some others though. Take tax reform for example.

You know, when I read Democratic Whip Steny Hoyer (or pretty much any Democrat, for that matter) talking about taxes it bring to mind the old Beatles song:

“Should five percent appear too small/Be thankful I don’t take it all.”

I remember old Bill Clinton telling us he worked so hard but couldn’t give us a middle class tax cut. But Bush did.

Here, read this and educate yourselves. This is one I can’t claim.

Yet when Andy Harris discusses it, I find a lot of misinformed people who love taxes come out of the woodwork. This one whined about the 10% bracket becoming 12% as a tax on the poor, but leaving out one key fact:

What Ben Frey forgot to mention is that the standard deduction will practically double. So if you had a taxable income of $18,650 as a married couple (the top of the 10% bracket) would you rather pay 10% of that or 12% of $7,350 with the much larger standard deduction ($24,000 vs. $12,700)?

Wanna try again?

Then I added:

Here’s the plan in a nutshell. Yes, it’s more vague than I would prefer but you need to have a starting point and you can make your own decision on it.

Admittedly, Cheryl Everman (a former candidate herself and longtime lefty in these parts) came up with the point that the individual exemption goes as well – and that the plan as presented doesn’t get specific about the child care credit. It’s true, but the plan could still result in savings.

The one weakness with this “family of 4” line of argument is that we don’t know what the child tax credit will be nor the changes to the EITC as they may apply. So your mileage may vary.

But to address the initial argument, the married couple would still benefit because the two individual exemptions only equal $8,100 while the additional standard deduction is $11,300. In other words, they could make more gross income. So instead of creeping into the low end of the 15% bracket, they would fall into the 12% bracket.

And when someone asked for taxpayer input on the new tax code, I gave her mine:

Okay, here’s my rewrite of the tax code:

Sixteenth Amendment: repealed.
Backup withholding: eliminated.
Consumption tax: enacted.
Federal government: rightsized.

Oh, did that lady whine! She got on this whole tangent about paying for stuff, so I had to play bad cop.

Spare me. You obviously have little understanding of the proper role of the various levels (federal, state, and local) of government.

Please avail yourself to two resources: the Constitution, which spells out the role and functions of the federal government, paying particular attention to Article 1, Section 8 and the Ninth and Tenth Amendments, and the FairTax book, which advocates for a consumption-based tax system as opposed to income-based.

If you get the concepts spelled out therein, you will understand perfectly my succinct answer to the “rewrite of the tax code” question.

The conversation also turned back to health care:

Employers pass the increases in premium along to their employees by increasing their share of the cost.

Those “subsidies” don’t come out of thin air either, because somewhere along the line our taxes will have to edge up to pay for them.

And that “sabotage” you pin on Republicans is thwarting a bailout to the insurance companies. The “risk corridor” concept was fatally flawed to begin with because it assumed the market would be a net equal when instead more and more people demand “free stuff.”

It sounds to me like you just want us to submit to having the government pay for everything, forgetting that the government gets its money from all of us. What was so wrong with fee-for-service anyway?

Give us single-payer and taxes will have to go so high that we will be in a real-life “Atlas Shrugged” although I fear we’re not far from there anyway. (You seem like the type that needs to broaden her horizons and read that book.)

Our Senator Chris Van Hollen joined in the “tax cuts for the rich” budget fun, too.

Let me hit you with this then: if we had a corporate tax rate of zero we would only have a roughly $420 billion budget hole to fill. Why not cut the tax rate and see if it increases revenue because businesses may be inclined to expand if they could keep more of what they make?

Personally I couldn’t care less if the Waltons get a $52 billion tax break because their ancestors took the risk in starting a department store. (If you don’t think it’s a risk, consider how many have failed in the last 30 years.) So whether we have the highest business tax in the world or not, ask yourself how much risk is the government taking by sticking their hand into corporate pockets?

And as for those who argue over whether debt is a Republican or Democrat problem: look in the mirror. The fact is we couldn’t tax our way out of debt given current spending levels without significantly increasing taxes on everyone, and I mean everyone.

If you really want low taxes and a balanced budget, you pretty much have one option: sunset Medicare, Medicaid, Social Security, and Obamacare. Just ask the CBO (page 10 here):

“Today, spending on Social Security and the major health care programs constitutes 54 percent of all federal noninterest spending, more than the average of 37 percent over the past 50 years. If current laws generally stayed the same, that figure would increase to 67 percent by 2047.”

We already have a steeply progressive tax system, so the dirty little secret is that those like Chris Van Hollen are doing their best to make the middle class the lower class and certain elites even more prosperous.

Finally, I promised you last week I’d go into my interaction with a Congressional candidate. One of the Democrat opponents of Andy Harris, Allison Galbraith, was up in arms about the replacement of rules established by a 2011 “Dear Colleague” letter by Secretary of Education Betsy DeVos. Now, I’m probably more in tune with the subject than 99% of the population because I’ve written about it several times in the Patriot Post, and the DeVos change was the most recent. So maybe she was sandbagged a bit, but someone has to set people straight.

There were a couple serious flaws in the 2011 “Dear Colleague” letter. First of all was lowering the standard of proof to preponderance of evidence from clear and convincing evidence. Second was the restriction in practice for the accused to be able to cross-examine witnesses and in some cases not even know what he was accused of until the time of hearing. (It was also based on a faulty premise of 1 in 5 campus females being victims of sexual assault, which simply doesn’t jibe with crime statistics. But as Betsy DeVos said, one victim is too many. So is one person denied due process.) This is why groups like the American Association of University Professors and American College of Trial Lawyers were urging the rules be revoked.

The biggest problem with the approach in place now is that the maximum punishment for someone who actually raped a co-ed would be expulsion from school, but he could still be loose to commit more rapes.

And while the 2011 “Dear Colleague” letter was rescinded, the order specifically states we revert to the previous guidance as a temporary measure while new rules are formulated with input from multiple stakeholders.

When she disputed my dismissal of the “1 in 5” claim I came back.

This is for the education of those reading this thread then. These are the actual numbers as reported by the Justice Department. Bear in mind that 1 in 5 of 1,000 would be 200.

I agree the numbers should be zero, but I also contend that those who are accused should have due process that was missing under the Obama rules. That aspect was important enough that they had to be rescinded – which also should cut down on the hundreds of lawsuits falsely accused people have filed against these schools because of their shoddy practices as prescribed in 2011.

She alerted me to an appendix in the work – which I was aware of – so I had to add a little more.

I did look at that…again, we are talking a variation of 7x here between the reported numbers and “1 in 5” statement.. Biggest flaw in the NISVS is the low response rate, which would be affected by the bias of a person that’s affected being more likely to respond – this may account for a significant part of the difference.

I think Secretary DeVos will come up with fair rules that take all sides into account. It’s also worth noting that some school administrators have announced will continue with the 2011 rules despite the new guidance.

It sounds to me like Allison’s had some experience on this, and I have not – so my response is not as emotional. But the contention, to me, is this: the Obama-era rules gave credence to victims but not the accused and oftentimes those who determined the fate of the accused did so on the barest preponderance of evidence at a “trial” which was more of a one-sided affair. New rules should account for both, or perhaps move the venue to one that’s more proper: a court of law, where there are advocates for victims who are sensitive to their plight and protections for the accused.

A charge of rape is a serious charge, not to be taken lightly. Often at stake is the very continuance of a young man’s education (and let’s face it, the accused is almost always a man.) But if the person is an actual rapist, wouldn’t it be better to get him off the street than just off some college campus, enabling him to victimize someone else?

I had a busy week on the commenting front, so maybe I’ll slow down – or maybe not. As Walter E. Williams would say, I’m pushing back the frontiers of ignorance on social media.

41st annual Tawes Crab and Clam Bake in pictures and text

July 19, 2017 · Posted in All politics is local, Business and industry, Campaign 2018, Culture and Politics, Delmarva items, Maryland Politics, Politics · Comments Off on 41st annual Tawes Crab and Clam Bake in pictures and text 

For some reason the vibe seemed a little different to me this time around – maybe it’s because this is the first one I’ve attended as an erstwhile political participant. But at 10:00 I rolled into town and got my ticket (this was a first, too – more on that in a bit) so I started looking around while I was there. Immediately I found there was still one constant.

Bruce Bereano probably brings half the people down there, and I’m not kidding. If you consider that the political people are a significant draw to this festival, and his massive tent is annually chock-full of Annapolis movers and shakers, one has to wonder just what would be left if he ever pulled up stakes. Would they have a crowd like this?

But the Crisfield Chamber of Commerce (as event sponsor) has its own ideas on VIP treatment.

For an additional $15 fee on top of the ticket price, you could get access to this tent with its amenities. It was an answer to some of the corporate tents that were doing this anyway. Many of those were still doing their thing.

Most of the people were already in line at 11:30 waiting on lunch. While the ticket says 12, if you wait until then you’re waiting for food.

But let’s face it: the media doesn’t really come here to see food lines, although that’s where I found this crew from Channel 47, WMDT-TV.

No, the real draw for this edition was the potential 2018 candidates. Until the last couple cycles, odd-numbered years were somewhat sleepy because the campaigns weren’t really underway yet, while the even-numbered years saw Tawes fall on a date less than two months before the primary. That’s now flipped on its head because the primary was moved up to June, so this is the last Tawes before the 2018 primary. So several contenders were out scouring for votes – none, I would say, moreso than this guy.

State Senator Jim Mathias (standing, in the gray shirt) has a huge target on his back that’s far larger than the logo on the front. He is the one Democrat Senator on the Eastern Shore, and the GOP sees his seat as a prime candidate for taking over next year as they need to flip five Senate seats to assure themselves the numbers to sustain Larry Hogan’s vetoes.

To that end, Mathias was the one candidate who had his own supporter tent. To me, that was interesting because most of the local Democrats that I know spent their time milling around the Mathias tent (wearing their own gray shirts) and didn’t hang out at the “regular” Democrat party tent.

Just a couple spots over from Mathias was the Somerset GOP tent.

Now you’ll notice I said Somerset. For whatever reason, Wicomico’s Republicans chose not to participate this year and there were few of my former cohorts to be found. Since that’s how I used to get my tickets, I had to make alternate arrangements this time. That’s not to say there weren’t Wicomico County Republicans there such as County Executive Bob Culver, Judge Matt Maciarello, Salisbury City Councilman Muir Boda, and many others – just not the Central Committee.

Closer to their usual back corner spot were the Democrats.

Their focus seemed to be more on the larger races, as even their state chair Kathleen Matthews was there. Here she’s speaking with Crisfield mayor Kim Lawson.

(Lawson has a smart-aleck sense of humor I can appreciate. When a photographer introduced herself as being from the Sun, he thanked her for making it a little cooler here than back home. I got it right away, she looked befuddled.)

The small posse you may have noticed in the original photo of the Democrats’ tent belonged to gubernatorial candidate Alec Ross, who eventually caught up to them at the tent.

I asked Ross what he would do differently than the current governor, and he said he would focus more on education. One thing I agreed with him on was something he called a Democratic “failure” – focusing too much on preparing kids for college when some aren’t college material and would be better suited for vocational training. But he limits himself in the palette of school improvement and choice to public and charter schools, whereas I believe money should follow the child regardless. Ross also has this pie-in-the-sky scheme about government credit to working moms for child care which I may not quite be grasping, but one assumes that all moms want to work. I think some may feel they have to work but would rather be stay-at-home moms.

The thing that stuck out at me was his saying that when two people disagree, at least one of them is thinking. You be the judge of who ponders more.

But the Democrats’ field for the top spot is getting so crowded that I got about five steps from talking to Ross and saw State Senator Richard Madaleno, another candidate.

Having done the monoblogue Accountability Project for a decade now, I pretty much know where Madaleno stands on issues – but I was handed a palm card anyway. Indeed, he’s running as a “progressive.”

And then there’s this guy. I didn’t realize he was talking to the state chair Matthews at the time, but I wonder if she was begging him to get in the governor’s race or stay out of it. I suspect state Comptroller Peter Franchot is probably happy where he is.

Franchot is probably happy because he works so well with this guy, the undisputed star of the show.

This turned out to be a pretty cool photo because I was standing in just the right spot to see his car swoop around the corner, come to a halt, and watch the trooper open the door for Governor Hogan to emerge.

If you follow me on social media you already saw this one.

Say what you will, and Lord knows I don’t agree with him on everything: but Governor Larry Hogan was treated like a rock star at this gathering, to a point where he could barely make it 50 yards in a half-hour.

This would have been of no use.

I said my quick hello to Larry moments before WBOC grabbed him for an interview, and that’s fine with me.

Here are two ladies who were probably glad he was there, too.

In her usual pink was State Senator Addie Eckardt, while Delegate Mary Beth Carozza was in her campaign blue. And since Carozza told me she treasures my observations, here are a couple.

First of all, it’s obvious that Jim Mathias is running scared because why else would he spend the big money on a tent and dozens of shirts for the volunteers that showed up (plus others who may have asked)? Not that he doesn’t have a lot of money – the special interests across the bridge make sure of that – but Mathias has to realize there is some disconnect between his rhetoric and his voting record. And he’s not prepping for a major challenge from Ed Tinus.

A second observation is that most of the Mathias signs I saw driving down there were flanked by signs for Sheree Sample-Hughes, and you don’t do that for a Delegate seat you were unopposed for the first time you ran. Something tells me Sheree has a higher goal in mind, but it may not one worth pursuing unless the circumstances were right.

One thing I found out from the Democrat chair Matthews is that at least two people are in the running against Andy Harris and were there. I didn’t get to speak with Michael Pullen, but I did get to chat for a bit with Allison Galbraith.

So when I asked her what she would do differently than Andy Harris, the basic response was what wouldn’t she do differently? We talked a little bit about defense, entitlements, and health care. Now she is against government waste (as am I) but I think my idea of waste is somewhat different. She also claimed to have saved some sum of money based on her previous work, but I reminded her she would be one of 435 and there seems to be a “I’ll scratch your back if you scratch mine” mentality in Congress. (I should have asked her who she would pattern herself after as a Congresswoman.)

But in the end, I was hot, sweaty, sunburned, and dog tired. I will say, though, that despite the rancor that seems to be pervasive in our world these days when it comes to politics most of the people in Crisfield got along just fine. I think I was very bipartisan in speaking since I talked to many GOP friends and met some of these Democrat candidates I didn’t know so I had an idea who they were. And who knows? I haven’t checked yet, but I may be on the Sun‘s website – that same photographer Lawson joked with took my photo later while I was asking Ross questions and got my info.

By the time we do this next year, we will know who’s running for office and the campaigning will be more serious. So will the eating for the 50% that don’t care about politics and never wander by Bereano’s massive setup. As long as the Tawes event can cater to both they should be okay.

A few thoughts on the prospects to “repeal and replace” Andy Harris (and Obamacare, too)

The other day I noticed on social media that our Congressman, Andy Harris, had put up a post explaining his vote for Trumpcare 2.0, the “repeal and replace” bill for Obamacare. (Most people refer to it as the American Health Care Act, or AHCA.) At the time I saw this there were 1,043 comments on his post and probably 80 to 90 percent of them were negative. I can guarantee you that 80 to 90 percent of his district doesn’t oppose his vote, but thanks to this so-called “Indivisible” movement we are seeing some of the most seriously squeaky wheels get the grease that comes from taking 30 seconds to write the linguistic equivalent of “you suck!” on his wall. So I took about five to ten minutes to write my response, because there was a little research involved.

1,043 comments, mostly from people who probably didn’t vote for Andy in the first place, vowing he’s going to lose in 2018. Y’all need about 139,000 more folks.

In terms of repealing the disaster known as Obamacare, this was the correct vote, We have a long way to go in the process and it’s way too early to say what will happen in the Senate (except that regardless of what it is, Maryland’s Senators will vote no.)

Oh, and by the way, I just checked out that Allison whats-her-name and if she’s praising NARAL she’s not getting too far in this district. Most of us stand for life.

Also, since you are on the subject of town halls up and down the thread, could you get those aforementioned Senators down here to have one? Interesting how I never hear anyone clamoring for that.

I have to admit I was only being semi-flippant when it came to “Allison whats-her-name” because I had closed my window and honestly didn’t feel like looking it up. Her name is actually Allison Galbraith and she makes her living from, of all things, steering companies to government contracts. I kid you not.

But to begin this piece I want to address the two people who replied directly to my comment, whose names are Gail Jankowski and Bill Schwartz. I’m going to quote their opening sentences here, ladies first.

Gail: We will get MORE than enough votes to replace him because more and more constituents are learning just how negatively this AHCA will affect them!

Bill: Maryland is a Blue State and we need to ensure that the first district is fairly represented.

I’m sure Gail and Bill are nice enough people, and in her case she gets bonus points for (at least presumably, judging by the surname) marrying into a Polish family. (By the same token, I won’t take any points from Bill just because his ancestors insisted on unnecessary consonants.) But they seem to have a slim knowledge of political reality.

What the vast majority of people “know” about the AHCA comes from the talking points being fed to them from the media, which isn’t exactly a set of unbiased observers. But the 2018 campaign won’t begin in earnest for another 15 to 16 months, and what I’ve found out over the years, Gail, is that the issue you may think will drive the electorate this far out isn’t always the one that is front and center by the time people really begin to pay attention, let alone when votes are cast. The big difference between the era of the TEA Party eight years ago in the Obama administration and the Indivisible movement now is, while both are having a discussion about health care as a topic in the off-year before the election – although Obamacare was more dominant in the fall and winter of 2009 – the economy was much, much worse back then. If the economy is in good shape come the fall of 2018, the AHCA will be a minor issue by comparison. People generally vote with their pocketbooks, and the reason the 2010 election was such a wave was the pent-up outrage at an administration that addressed health care before job creation and the economy. (The sticker shock effects of Obamacare were the reason for the 2014 wave election, since it took effect in earnest that year.)

So if the economy remains in decent shape, the AHCA will be so minor of a concern by then that Andy Harris will once again get his 60-65% of the vote and cruise to victory. You see, Bill, Maryland is indeed (and unfortunately) such a blue state that our previous governor and the Democrats got greedy – or at least as greedy as their incumbent Democrat Congressmen would allow them to be. I’ve made this point before, but if the composition of the First Congressional District were the same in 2008 as it became in 2012, Andy Harris would be on his fifth term. By erasing the northern half of Carroll County from the previous configuration of the Sixth Congressional District and adding it to the First, it assured whoever the GOP puts up in the First District will win because the plurality of the state’s Republican voters now reside in the First, and it’s by a factor of almost 50% more than any other district. So based on the electorate of the district the First is fairly represented. (The rest of the state? Well, they are just poorly represented, but I’m working on that.)

So now let me turn to another aspect of social media. My friend Sarah Meyers, who describes herself as a proud moderate Democrat (and is a member of our county’s central committee) was distraught about the passage of the American Health Care Act, claiming, “The Republican House just voted to allow insurance companies to deny me healthcare.”

Now I’ll set aside the false conflation of actually having health care provided and paying for it, since there are other methods of doing so out there, but my response essentially noted that she is in the minority of people who are net beneficiaries of the ACA in terms of paying less. Those who get their insurance through their employer are paying far more, a fact that she chalked up to the “greed” of the insurance companies. But the “greed” is tempered by the fact that group insurers have to pay out 80 to 85 percent of their premium income on medical care, leaving the remainder for “administration, marketing, and profit.” Since neither administration nor marketing are free, one can presume these insurers are not rolling in profit. This “medical loss ratio” is part of the ACA and may be one reason why insurers are dropping out of the business.

One of the next arguments I got was that the ACA “saves lives,” presumably because those who could not afford insurance or were no longer being tossed off for the various reasons of pre-existing conditions, lifetime limits, and so forth were being covered. But the evidence of this is anecdotal at best, and rather dubious in the amount of inference that has to be made. It truly depends on the source, but the best scholarly guess is a net wash. Even some of the partisans concede it’s a bogus argument. And while there’s always the emotional appeal of someone who can come out and claim they are a survivor because they had health insurance through Obamacare, it’s pretty difficult to speak with someone who didn’t because Obamacare made their deductible too expensive.

The most radical solution offered up was the old single-payer bromide, from local leftist Chuck Cook:

Single payer is the only solution, and it has been proven to work in every single industrialized first world nation on the planet… except ours. We are the outlier due to conservative ideology that honors the wealth of billionaires over the health of children.

Uh…..no. Honestly, we’re very close to having a single-payer system in place here given the lack of competition in many places and tight regulations on the health insurance industry in terms of how much they can make, what they must cover, and how they conduct their business. Basically it would be a Medicare/Medicaid for All system and you can just ask a doctor (whose Medicare reimbursement increased a whopping 0.24% this year, with Medicaid reimbursement being a fraction thereof) how they like it or check out study outcomes, as the left-leaning Kaiser Family Foundation did recently, noting…

Multiple studies, though not all, have documented improvements in beneficiaries’ self-reported health, reduced stress and anxiety, and improved quality of life following Medicaid expansions. The Oregon Health Insurance Experiment, which used a research design that is considered the gold standard, compared the experience of adults who gained and adults who did not gain Medicaid coverage through a lottery that allocated a limited number of new Medicaid “slots” for low-income uninsured adults in the state. The study found that Medicaid improved self-reported mental health and reduced clinically observed rates of depression by 30% relative to the uninsured group. The findings related to impacts on physical health were mixed. Medicaid increased the detection of diabetes and use of diabetes medication, but did not have a statistically significant effect on control of diabetes, high blood pressure, or high cholesterol. The researchers note that the study did not have sufficient statistical power to detect changes in these measures, and also that factors including missed diagnosis and inappropriate or ineffective treatments, among others, could mitigate the impact of coverage on clinical outcomes.

…to see if this meets your definition of “proven to work.” For me it’s lacking.

I think both sides agree, though, that the problems with the system are defined simply: access and cost. The government’s solution was twofold: one side was to force everyone into the insurance market whether they wanted to be or not (hence, the “shared responsibility payment”) so that the healthy people would balance out the sick and the other side was to try and make preventative care cost nothing out of pocket, but the problem with that is doctors aren’t going to work for free because they have families to feed, too. And thanks to all of the billing and coding concerns we have with modern government medicine, a good percentage of the staff in any doctor’s office is the overhead required to deal with billing and not there for patient care. (It’s akin to the number of administrators in a school system who don’t educate children.) In other words, “free” is the extra $2,000 on your deductible or $40 a week out of your paycheck.

One analogy often used as a comparison to health insurance is auto insurance, which is also mandatory in most states (New Hampshire is the lone holdout.) However, when you buy auto insurance it does not cover oil changes, new tires, and other mechanical issues. Similarly, the original intent of health insurance was to cover the medical bills in case you were hospitalized, as opposed to supplemental insurance like AFLAC which covers other expenses.

The idea of insurance is that of calculating and sharing risk among as many participants as possible. Let’s say you have a group of 1,000 40-year-olds whose lives are all insured for $100,000 and you know four of them will die on the average in a given year. You then know your premium pool will have to be set to $400,000 plus an amount set aside for the off-chance of a year where more than 4 die, plus administrative expenses, plus a little for shareholders. If you assume those other expenses total $300,000, then each participant would pay $700 a year to be insured for $100,000 if they die, which they may find is a prudent and affordable hedge against that risk as they have families to support. It would be impossible for a group of 2 or 10 to be able to do this, but over a thousand people it’s very attainable.

However, what we now have with health insurance isn’t truly insurance because there is so much mandated coverage and the risks are highly unpredictable. Nor are they being shared among all the participants equally because some are paying themselves through their employer, some are being subsidized for their coverage by the government, and others are completely on the government dime. Because a large amount of the money comes from funds never seen by the buyers (deducted from their checks, or just plain subsidized) they don’t much care what treatment costs, just their premiums and deductibles.

So let me return to the car insurance analogy. You have to have car insurance, and it has to be minimum coverage, but after that the market is relatively free and there are a whole lot of competitors. If you get tired of Allstate because they raised your rates 50% for no good reason, there’s always Progressive. When Flo gets too annoying, Jake from State Farm will be happy to help. If you don’t like them, we have local independent agents. They compete on price, coverage, and service – so why can’t that be the case with true health insurance, too? And what I mean by “true health insurance” is that you select what you want to cover from the options provided by the companies, or you can skip it altogether. (Or, the option for employers to provide group coverage can be left in place as well, as I’ll get to in a moment.)

I can already hear the Sarah Meyerses of the world screaming “but pre-existing conditions!” Yes, there can be high-risk pools created for those at the state level, or even groups of states can create a compact to make the pool even larger and share the cost among more people. If states want to create incentives for employers to provide insurance, that’s fair game as well. I happen to think the Tenth Amendment is the part of the Constitution that’s supposed to be most flexible, allowing states to do a large number of things that should be off-limits to the federal government. I may or may not agree with them, but that is their right to do so. There’s very little need for federal involvement in health care at all – certainly nowhere near the amount we have now.

I’m sorry to break this to Chuck Cook, but the United States isn’t like the rest of the “industrialized first world.” We are a constitutional republic where the federal government is intended to be limited, not maximized and in control of everything. (It’s also worth mentioning that the wealth of our billionaires – and the talent of a lot of other, less well-to-do American people – is quite often freely given to assist in promoting the health of people both here in America and around the world. Here’s a great local example.) So the idea that we don’t have single-payer health care is one of those rare things that’s still a feature of ours and not a bug. That’s not to say it can’t stand some serious improvement, though.

Let’s just see if we can’t make it more in conformance with what our great American experiment in liberty is supposed to be all about, mmmmkay?

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