How much will it cost? (Part two of a multi-part series)

I really didn’t mean to take so long between part one of this series and part two, but because the second item on the Ben Jealous for Governor issue list is health care – and there’s a claim out there that his plan will cost Maryland a staggering $24 billion a year, according to analysts at the state’s Department of Legislative Services – I was hoping to see the actual evidence before I wrote the next part. But my trips to the DLS website have been fruitless, leading me to believe that there were a couple cowboys at the DLS who chose to leak this to the Sun.

So before I say this will cost $24 billion a year, I suppose the best thing to know is how we would pay for this program called “Medicare-for-All.” Here’s how Jealous explains the key benefit for the majority of us who are under employer-sponsored plans:

This system will end premiums for participants, reducing costs to most employees and employers. It will be important to create a system that ensures covered employees also see the benefit of this change. MD-Care will explore creating safeguards to ensure that employer savings are passed down to the workers in increased wages, and guarantee that workers see real savings instead of having all of the gains captured by employers no longer paying premiums. (Emphasis mine.)

It’s worth pointing out that health insurance as a employer fringe benefit is a relatively new phenomenon, one that began when wages were frozen during World War II. Since workers (generally those belonging to unions) could not receive wage increases, the measure to circumvent this prohibition was the inclusion of health insurance – with the added bonus of employer-paid premiums being non-taxable income.

Basically what Jealous wants to do is enforce a raise to workers who currently receive these benefits, whether deserved or not. That seems to me a good way to kill jobs in the state.

And stop me if you’ve heard this one before:

Those who want to keep their existing Medicare program will be able to.

Bear in mind, of course, that Medicare is not free. Those of us who work for a living see that little category on our pay stubs – mine actually calls this “Medicare Employee” – and every couple weeks a few dozen dollars added to that total. I guess that’s the down payment on what we have to pay when we get to the age where we can presumably sign up and collect on Medicare, which isn’t really free but has a bewildering array of premiums, deductibles, and co-insurance payments. So to say Medicare-for-All is “free health care” or “single-payer” is clearly a misnomer because there are three payment sources: your pocket, the generosity of those who pay the taxes but don’t use the service, and (in the case of the federal government) a massive amount of IOUs.

Jealous then cites a Kaiser Family Foundation estimate that health care in Maryland costs $51 billion a year (at least it did in 2014) and proclaims:

This is simply unsustainable, and MD-Care offers an opportunity to finally get costs under control. Administrative savings could quickly add up to billions of dollars in Maryland and fully expanding the All-Payer model would finally allow us to bend the “cost curve” in medical spending. In addition, by ensuring the plan is designed properly to reduce costs and maximize federal dollars, we can further reduce the healthcare burden on Maryland taxpayers.

So wait a second: this is Maryland’s plan, but we’re expecting everyone else to pony up and pay more for it? Yeah, that will fly like a lead balloon.

And I’m not sure where “administrative savings” (if administration is 8% of health care cost, that’s $4 billion for Maryland) comes from when people who work for those eeeeeevil insurance companies (mainly paid for with private-sector dollars) are repurposed as government employees who are paid from the public till, to wit:

This plan and the Maryland All-Payer Model Progression Plan call for widespread use of emerging new titles in healthcare such as coordinators and community health workers to ensure that high risk populations are being treated properly (and at lower cost). This offers an opportunity to minimize the net disruption to employment by ensuring job retraining and preferences for those who previously worked at private insurance companies. Instead of thousands of workers in Maryland being paid to deny access to care, they can now be paid to provide healthcare.

In addition, there is going to be a need for administrative employees to ensure that Maryland is complying with all federal law so we can continue to draw down dollars for Medicare, Medicaid, CHIP, and the ACA.

So much for saving on administration; in fact, given the lavish government payroll that seems to be a cost increase.

Speaking of cost increases, here’s where it gets important:

There is no question that any plan will have significant cost savings compared to current healthcare spending, while also moving most healthcare dollars away from the insurance companies and into the plan. These variables will determine the final cost of the plan and the revenue requirements. Among other revenue options the advisory panel will consider:

  • Income Based Premium Paid by Employers

This premium would be a deductible business expense, meaning this plan will have the same tax advantage status as employer provided healthcare. However, it is unknown how businesses will react to this, and significant input from the Maryland business community will be needed. Businesses would have predictable health insurance costs instead of double-digit increases with no end in sight.

  • Sales Tax

Having some portion of the plan paid for by a sales tax would have several advantages, including capturing revenue from non-Marylanders. It would also reduce the amount of revenue needed on the payroll side, thus reducing the taxation burden on new employment. At the same time, a sales tax is regressive by nature, so any tax increase on working Marylanders would have to be measured against the net benefits received from this plan.

  • Non-Payroll Income Premium

A non-payroll income premium would ensure that the most financially successful in Maryland pay their fair share of taxes. The advisory panel will need to study the tax sensitivity of these higher earners to ensure that any increase doesn’t result in significant population shifts in the region to avoid any changes to the Maryland income tax system.

I can tell you exactly how business will react to the first one, Ben: they will close their doors and/or leave. Those that have to stay will be hiring fewer people, and they have the perfect incentive:

We will also look at ways to ensure that small businesses and new companies succeed under this plan. This could mean exempting small businesses and start-ups from additional taxes associated with MDCare depending on revenue or firm age. The advisory panel will work with the small business community to design an exemption that makes the most sense.

One surefire way to cut revenue to fit under the limit: close a few locations, let go a few workers, and fold the business into a newly-formed holding company.

Because of that possibility, my thinking on this is that Jealous would go with a blending of options two and three: perhaps an increase in the sales tax from 6% to 8% and a reprisal of the infamous “millionaire’s tax” that will cause capital to flow out of the state.

Assuming that the roughly $4.6 billion collected by the state in sales taxes in FY2017 is a valid figure, a sales tax increase to 8% would cost taxpayers roughly $1.1 billion a year, and $5.5 billion over five years. A millionaire’s tax would be perhaps a $500 million cost to taxpayers over 5 years.

But that won’t begin to cover this program – not when spending is $51 billion a year now, and probably $70 billion when it’s “free.” (That is if you can find a provider – only 7 of 10 providers accept new Medicare patients.)

The most truthful statement made from Ben on the subject is this one, a throwaway line on his “Path to Medicare for All“:

When the ACA was written, Democrats were overly concerned with the optics and not enough with the actual mechanics of the bill.

Yes, we had to pass it to know what was in it. Likewise, we have no idea if that $24 billion cost is anywhere close to reality but it is likely that state revenues will take a significant hit as private-sector businesses throw in the towel.

Next up in this series will be Criminal Justice, a platform that likely has more holes in it than Swiss cheese.

Odds and ends number 85

Here’s another in my long-running series of things from my e-mail box and elsewhere that deserve a mention but not a full post. Generally I shoot for three sentences to two paragraphs for each, but that’s simply inclusive and not a strict guide.

In the fall of 2015, there was one candidate out of the rugby scrum of GOP presidential hopefuls who stood above the rest when it came to experience in governing combined with serious thought about the issues. Unfortunately for us, Bobby Jindal folded up his campaign tents rather quickly, but at least he can still dispense truth like this statement:

The Democratic Party has come out of the closet this year in full-throated support of single payer in health care. Those of us who are health care policy wonks have known this was their intent all along, but they were previously smart enough not to admit it.

It’s been a few weeks now, but I knew I would get to write about this in due course and Jindal’s statement is still worth the read. So I kept it around.

Actually, since the Republican Party doesn’t seem to want to favor limited government anymore, choosing instead the goal to be the ones running the circus and supposedly doing it more efficiently, maybe Bobby – who actually cut government spending during his two terms as governor of Louisiana – should join a group devoted to rightsizing government.

Yet there was a controversial decision made by one such group, the Constitution Party (and as disclosure, it’s their candidate I voted for last time – so I follow them more than most people do.) Gary Welch, the Communications Director of the national Constitution Party, explained their decision to back Roy Moore in the Alabama Senate race. This also included a fundraising drive.

To be honest, I’m not sure what the upside of backing Moore would have been had he won. I doubt he would have changed parties again – Moore was a Democrat up until the Clinton era, so you could conceivably add the decades-old accusations against him to the blue side of the ledger – and the amount raised by the CP would have been less than a drop in the bucket in the race. I’m figuring they were assuming Moore would still prevail based on the voting patterns in the state, and admired his stances reflecting the fact we are endowed with rights from our Creator, not from government.

But on the other hand, money raised in support of Moore could have been better used on ballot access and working against a system that somewhat unfairly burdens smaller political groups by making their ballot access more difficult. They may have had common cause but to me that wasn’t a smart use of limited funds.

One last thing about the Moore race that bothers me, though: no one pointed out that, on the same day that the Washington Post broke the Moore story, they also put up a more glowing portrait of Doug Jones prosecuting the last remaining 16th Street Baptist Church bombers from 1963. (The story was since updated to reflect election results but the link still shows November 9, the day the Moore accusations went online.) What a coincidence, eh?

Then again, they’re not the only group who hitched their wagon to Moore hoping for some sort of gain.

(Photo via Women for Trump.)

You may not know the woman at the podium, but I do. Not that I’ve ever met Amy Kremer, of course, but when you’re writing a book on the TEA Party you see the name a lot. In this case, though, it’s a group she co-chairs called Women Vote Trump, and the photo was part of a fundraising appeal from that group on Moore’s behalf. Now I won’t pick on Kremer aside from the fact she seems to be quite the opportunist – she left the Tea Party Patriots shortly after their formation because she wanted to work with their rival Tea Party Express group, and left them for Women for Trump once the Tea Party fizzled out – but this is what aggravates people about politics: the number of hangers-on who make their living from fundraising.

But it’s not just Republicans. This is a snippet of something I received from our erstwhile Vice President:

This Republican plan isn’t anything more than the latest, worst edition of the same-old trickle-down economics that has failed time and time again.

Even more than that, let’s be clear about what’s happening here. The goal the Republicans have today is the same goal they had when trickle-down economics first came on the American scene: Their long-term goal is to starve government. To say we don’t have the money to pay for Medicare, for Medicaid, for Social Security. We heard it last week when one of the leading Republicans in the Senate actually said after passing this new tax cut that we don’t have the money to pay for children’s health care.

Simply put, the values reflected in the Republican budget are shameful. They aren’t my values. And I don’t believe they’re America’s values either.

And so it’s time for a change. Right now, you can show that these actions have very real consequences. From now until 2018 and beyond, I’ll be doing everything I can to help elect a new kind of leadership in our politics. Folks who actually understand the issues an average American faces. Folks who aren’t scared to stand up to big corporations. And more importantly, folks who are absolutely committed to standing up for working people.

Yes, Joe Biden has his own political group called American Possibilities – literally a web portal that solicits contact information and donations. Certainly he will seek out the most liberal people to donate to. But is that really what we need?

Apparently this is Joe’s version of that three-letter word, J-O-B-S. Regarding that subject, I haven’t done a struggling blogger “bleg” story for awhile, but as a guy who’s been laid off before the holidays a time or two I could sympathize with Peter Ingemi’s story of losing his. Fortunately, it may now have a happier ending.

Now I have a question: have you finished your Christmas shopping yet? Over the last several years I have reported on a couple organizations that promote “made in America” presents, so if you’re looking for stocking stuffers or that perfect gift, you may find it from the Alliance for American Manufacturing 2017 Made in America Holiday Gift Guide. Those who are ambitious enough to make it a challenge can also sign up for the Made in America Christmas Challenge that’s sponsored by Patriot Voices. But they concede:

We understand that there are things that are simply not made in this country – like iPhones. It may not be possible to buy everything made in the USA, just try your best.

Maybe that’s why so few have taken the challenge – just 90 at the time I linked. Either that or no one really cares about former Senator and presidential hopeful Rick Santorum anymore.

I may as well finish with a programming note: as opposed to this series that’s been around for over a decade, I think I’m dropping the Don’t Let Good Writing Go To Waste feature. It’s just a pain to compile, and besides it behooves you to track your political opponents anyway. (In my case, it’s to set them straight.)

It seemed like a good idea at the time, but the concept got old fast and if I’m not excited about it then I won’t do them. So I decided to go no further with it, just like this post.

DLGWGTW: October 29, 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.

This week I’m splitting this feature in half, with one half tonight and the other half on Tuesday night after I stamp my thoughts on the Wicomico Lincoln Day Dinner tomorrow.

Regarding a letter to the Daily Times chastising Andy Harris’s health care votes:

If the writer is a member of “Regressive Maryland” (as I like to call them) it’s doubtful she has ever voted for Harris anyway. So she’ll be disappointed again when Andy gets his 60% or more of the vote in our nicely gerrymandered Republican district.

In a nutshell, instead of encouraging people to be insured by perhaps making the premiums fully deductible or allowing standard, basic policies to be sold nationwide, the government decided to make it mandatory to have insurance. And guess what? If you are forced to be in a market, what do you think the prices will do?

The federal government needs to be out of health insurance – stat.

I have a lot of fun writing responses to the House Minority Whip Steny Hoyer when he gets his inane commentaries up – like this one in the wake of the Las Vegas shooting.

I’ll out myself as a so-called “right winger” (I prefer the term Constitutional, liberty-minded conservative myself) but here’s a pro tip: arguing in ALL CAPS isn’t getting the job done.

The reason Steny’s stayed in office so long is the way his district is gerrymandered to include a large chunk of PG County. That saved his bacon early on and subsequent redistricting (as well as the growth of Charles County as a bedroom suburb of PG County) keep him there. There was once a proposal to split the Eastern Shore up and put the lower half in his district, but I’m sure he wanted no part of that. We don’t think he makes a whole lot of sense.

Now, as for a time to debate gun control: the left-wing malcontents couldn’t even wait for the full accounting of dead and wounded (or all the facts surrounding this incident) until they were screaming about gun control. But what if he had driven a truck into the crowd, or planted a shrapnel bomb? Would you be caterwauling for truck control or nail control?

Simply put, a gun is a tool and its usual job is protecting the bearer. Sometimes it’s used for the wrong purpose, as it was this time. So in my view the discussion shouldn’t be about guns, but about God. What drives a man to violate the basic commandment of “thou shalt not kill” because he has a hatred for a group? Well over 90% of people who own guns have at least the basic understanding of their power and also have the sense to know right from wrong – you know, that whole “thou shalt not kill” thing?

One rumor has it that this assailant was a member of several anti-Trump online groups. I see more vitriol about our current President (a guy I didn’t vote for) than I have about the last two combined. Last time I checked, no one from that evil right wing pulled out an arsenal and tried to mow down Obama supporters in numbers like this guy did – and I’m sure it could have been done 100 or more times.

So how about we debate self-control and leave guns out of it? I can sit and stare at the whole arsenal this guy had all day, but since I would have no intention under any normal circumstance to pick it up there’s no harm done.

Or how about the Avoidable Care Act? I responded to one commenter who threw shade on the idea of selling insurance across state lines as a Republican “panacea”:

You make a fair assessment, but there is one area you’re discounting. At the time the study was done, the federal mandates of Obamacare were already being put into place, so states weren’t going to be terribly innovative about what they did. In order for something like this to work there has to be a minimum of federal regulation as well – the less, the better.

Remember, the concept of Obamacare came about at a state level and I think that is where the solutions lie. Here in Maryland we will likely always be a nanny state, so a company that wants to sell here would have to enact policies that match up to our laws. On the other hand, a state like Texas could be more lenient. Yet if someone could create the most bare-bones policy possible with a robust physician network and a la carte features (like I wouldn’t need maternity coverage but may want more enhanced mental health coverage because this government drives me crazy) they may pick up enough of a risk pool around the country to make insurance affordable. Then it would be up to consumers to demand their states give them more choice by relaxing their regulations.

Yet there could be advantages to even allowing policies to be sold across state lines – people are price-conscious. I live maybe two miles from the Delaware border so if there was a policy available there which had a network that extended here into Salisbury (very possible because we have the largest regional hospital) it would be to my advantage to do so – it’s the same reason you see all the stores that sell furniture and other portable big ticket items clustered just across the line in tax-free Delaware, and the largest Royal Farms chainwide cigarette seller being the store out in the middle of nowhere but literally 50 yards into Virginia and its 30 cent per pack tax (compared to $2 in Maryland) right on a main highway.

I agree selling across state lines isn’t a complete panacea, but it would be a useful tool in the toolbox.

Then after another comment complained about Trump opening the door for the insurance industry, Big Pharma, and doctors to raise rates I set her straight, too.

If the first word of (the writer)’s initial statement had been “Obama” that would have been solid gold truth. When people are forced to buy a product and lobbyists write the regulations, what incentive is there to “bend the cost curve”? Think of how much you pay a month for auto insurance because the state forces you to have it – the only saving grace is that they set comparatively few regulations on policies so there is competition to help give people a bit of a break.

I don’t spare our junior Senator when he plays the class envy card, either:

It seems to me cutting the brackets from 7 to 3 and eliminating a batch of deductions few people take IS simplifying the tax code. But of course any GOP plan is “tax cuts for the wealthy” to you. News flash: they pay the largest share of taxes.

Personally I think the FairTax is the best way to go but that doesn’t allow for nearly as much government modification of behavior.

After someone whined that cuts should be spread in a “more equitable manner” I added:

When you pay the most, you get the most benefit. Let’s get more numbers and throw away the class envy card, as I have.

Later on I added as a status:

Three facts for future reference when responding to Chris Van Hollen, Ben Cardin, Steny Hoyer, Allison Galbraith, etc. Per the Tax Foundation:

The share of income earned by the top 1 percent of taxpayers rose to 20.6 percent in 2014. Their share of federal individual income taxes also rose, to 39.5 percent.

In 2014, the top 50 percent of all taxpayers paid 97.3 percent of all individual income taxes while the bottom 50 percent paid the remaining 2.7 percent.

The top 1 percent paid a greater share of individual income taxes (39.5 percent) than the bottom 90 percent combined (29.1 percent).

So when they talk about “tax cuts for the wealthy” and “not paying their fair share,” well, here are the actual numbers. If you want “Atlas Shrugged” just keep raising tax rates on productive people.

You know, I can see why some of our representatives run out of patience with people. One example at a Michigan townhall meeting was made into a story by the real Faux News, the Shareblue website. So I said my piece:

Gee, were the eight people in the back who were clapping and cheering the question offended? Out of a crowd of what looked like 75 to 80 people you all could muster 10? Pretty sad.

Now instead of picking up the video halfway through like your share did, I watched the whole thing. Walberg answered the question respectfully only to be shouted down near the end because a select few didn’t like the answer.

Did he handle it well? Could have been better, but I’m not as worried about him as I am the mental state of some of those commenting here. And you may want to ask yourself regarding North Korea: who enabled them to get nukes in the first place?

For that I was accused of being an idiot who voted for him. Try again.

Sorry, I don’t live in Michigan (although I grew up close by his district – Tecumseh is maybe a half-hour from Toledo.) But yes, I have my own Congressman nowadays who’s pretty good – it’s the two lame Senators I’m stuck with that are the problems.

But again to my point: who enabled North Korea to get nukes in the first place?

You know, they never answered my question.

Okay, let me wrap up this one with something lighter. We all have opinions on baseball uniforms, so this was mine in response to a poorly written piece that I’d be ashamed to put my name on.

I don’t know which was worse…the writing, editing, or fact she could have picked another dozen as good and definitely some straight-up bad ones…Padres in brown and gold first come to mind on the bad side. On the other hand I actually liked the Seattle Pilots jersey given the style at the time. Better than what the Mariners first wore.

And maybe it’s a product of growing up in the 1970s but I was more impressed when teams actually went to the colored jerseys than when they simply swapped out the road gray for light blue. It didn’t work well for the Cardinals, Twins, Rangers, or Phillies, but a little better for the Brewers, Cubs, Blue Jays (I liked the split-letter font too) and Royals. It was so-so for the Expos and Mariners.

I will say that the Astros rainbow jerseys spawned a couple imitators from local high schools in my area, so someone liked them.

And yes, as a Tigers fan there is no beating the Olde English D as a classic.

True dat. Look for the next installment on Tuesday and I’ll pretty much be caught up.

DLGWGTW: September 24, 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 that I’m going to make a regular Sunday evening feature. (Maybe not every week but more often than not.)`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.

Health care was in the news a lot lately, and social media was no exception. Here’s what I responded to a typical liberal scare tactic from Senator Ben Cardin:

That would be more like the way it should be…states could tailor their programs to the desires of their citizens. I love how loaded and extreme the headline writer made this sound.

Remember, health care is NOT a right, but life is.

Then when some liberal tried to go all Article 1, Section 8 on me (hey, at least he’s read the Constitution) I had to make sure he understood something:

Nope, “general welfare” does not equal health care. Try again.

So when his pal Steny Hoyer jumped in I had to revise and expand my remarks:

Yes, because letting an incompetent federal bureaucracy run health care is working SO well. It’s funny – your post came up right after Senator Ben Cardin‘s caterwauling about the same subject on my page. I smell a Facebook conspiracy.

And again I had a few people tell me their mistaken belief that health care is a right. That’s all right, I have plenty of time to set them straight:

Again, the idea is to bring this down to a state level, although ideally we would work our way back to fee-for-service and insurance to cover catastrophic events. Who said a state could not step in for preventive care if they wished? Better them than Uncle Sam.

Now you can call me a troll but if you are familiar with the website Shareblue, it purports to the the “Breitbart of the Left.” Problem is, their hacks aren’t even readable sometimes and they distort stories five times worse than Breitbart ever dreamed of. Here’s a case in point and my response.

David Brock created a fake news site designed to confuse millions of voters so that the party could win elections in multiple states. Oh wait, that’s you guys.

Basically I have to ask: you’re surprised Republicans have a news outlet to control their narrative? I’m sure if these reporters wanted to dig a little more they’d find the Democrats have the same. Otherwise I wouldn’t get all these e-mails from the DNC telling me the sky is falling.

I’m not really a reporter, but let me tell you about the site whose Facebook page you are now gracing, or more specifically its sponsor Media Matters for America.

*****

“Because MMFA is a non-profit organization, it is not required to disclose its donors, and it does not do so. However, some donors have self-disclosed, while others, such as foundations and labor unions, must make certain filings that discloses their funding of Media Matters and other similar groups.

MMfA’s funders range from labor unions to progressive foundations to liberal billionaires. From fiscal year 2009 to 2012, the National Education Association (NEA) has contributed $400,000 ($100,000 per year) to Media Matters. MMfA has received an additional $185,000 from other labor organizations since 2005, making labor unions some of the largest known contributors to Media Matters. MMfA has directly quoted these labor groups and has defended them against “attacks” from reporters and media personalities. MMfA did not disclose these donations in its reporting on labor unions.

MMfA has received nearly $30 million from foundations since it started. The Tides Foundation is the largest contributors to MMfA and MMAN, giving nearly $4.4 million. There are undoubtedly close ties between the organizations besides financial support. MMfA frequently reports on the critics of Tides, but fails to mention that the foundation is MMfA’s largest donor. The line between Tides and MMfA is so blurry that even donors appear to be confused. In 2003, prior to the official launch of MMfA, the Stephen M. Silberstein Foundation even designated a $100,000 contribution to ‘Tides Foundation – Media Matters for America.’

Billionaire George Soros donated $1 million to Media Maters in October 2010. According to the New York Times, Soros donated the money to help MMfA respond to the ‘incendiary rhetoric’ of Fox News Channel commentators.”

(source)

And if this doesn’t describe Shareblue to a T then I don’t know what does:

“The news content analysis of Media Matters is a complete sham. Such examinations of political news traditionally focus on detecting journalistic bias, but MMfA’s approach is to try to stamp out views with which its left-wing content analysts disagree. That isn’t hard to do if you can think creatively and tolerate mind-numbing hairsplitting. Media Matters will typically isolate a small facet of a media story that can be twisted in such a way that suggests that the reporter or commentator is a liar or hypocrite. That tidbit is then used to suggest that everything the original source says must be false and deserving of censure.”

(source)

So there you have it: two named sources, verifiable if you copy and paste the link and remove the space I added.

I take news with a grain of salt until I consider the source and its motivation. My motivation? To get to what’s really true, and where you’re at isn’t it.

Via the local Republican Club I found out even Governor Larry Hogan jumped on that bandwagon. My free advice to the governor:

The electorate that voted him in was by and large also the one that wanted Obamacare repealed. But it’s up to Larry Hogan – if he wants to get 55-60% in the areas where he needs to come close to 70% (like the Eastern Shore) just keep moving left of center. The Democrats across the bridge will be happy to vote for the real thing this time.

The “progressive” (read: regressive) group Our Maryland also wanted to note Maryland could lose money under a GOP plan. So guess what I told them?

Think twice about taking “free” money from Uncle Sugar next time.

“A government big enough to give you everything you want, is a government big enough to take away everything that you have.”

They also want to blame Trump for Maryland having revenue short of expectations, so I gave then my side of the story:

Perhaps if Maryland becomes more than a one-industry state (that being the federal government) these people may have more confidence.

Since I got my old job back in the Trump era (one that I lost just after Obama was elected) I feel pretty good about the economy,

Obviously that didn’t sit well with them, so they asked for “details before (we) accept your Obama bashing – so I complied.

About my job? I was flat-out told by my employer that he was worried about keeping his doors open under Obama. But he managed to survive and business has picked up enough to bring me back part-time at first and now full-time. Maybe I’m an outlier but the change in administration did bring a more positive outlook for businesses.

Then I added:

And it’s funny – those people who pointed to the stock market as evidence of Obama’s success are quiet now under Trump despite the fact the indices are 20% or so higher since January.

And the poor lady who tried to tell me Baltimore is teeming with industry and my “Beltway bias” was showing. I took about two minutes to find the proof she was all wet.

The statistics beg to differ.

I know, it’s not as obvious. But Baltimore City had a total average employment of 69,141 in the government sector in the first quarter of this year compared to 21,137 that produced goods. I had to explain this to someone else.

The premise provided by (the lady who commented) was that Baltimore had “way more industry than government.” As you can see by the stats, the reverse is true if you consider non-service jobs as “industry” – which I do. (Also notice that education is lumped with healthcare as a service job when most education jobs are public-sector. I think they should count in the government category.)

Yet they were still arguing with me as late as today about my blaming my layoff on the incoming Obama administration and crediting my return to Trump.

Consumer confidence was already rising pre-election and surged in the runup to Trump taking office. Confident consumers lead to confident investors, which is where we come in (I work for an architectural firm, and that was an industry battered by the Great Recession.)

And then:

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.

Also at Our Maryland, I had this reaction to a reaction to a WaPo story (behind a paywall, of course) about Rep. Jamie Raskin (who was a far-left loony of a state senator based on monoblogue Accountability results) and his fear that Cassidy-Graham would pass. This is how the respondent wrote it, verbatim: “The Koch Brothers want it so badly – and they aren’t going to give anymore money to the Republicans until they repeal Obamacare and cut corporate taxes BIG TIME. That’s what it’s always about – follow the money.”

So I had to correct the record, again:

That would work for me. And even if you assumed a 50% cut in corporate tax rates would bring in half that revenue – which, as we know, isn’t true because lowering tax rates generally acts as a spur for economic activity – the federal hit would be less than $250 billion (out of a $4 trillion budget.)

In this case, the Koch brothers support smart economic policy.

Naturally, that was met with the pithy, “Oh Michael Swartz, if you think you are going to benefit from the giant corporations getting tax cuts….. Sad.” (It’s funny how the Left has allocated a standard Trump response, isn’t it?) But the answer is yes.

I certainly will. Ask yourself: who pays corporate taxes, the business or the end user/consumer?

To expand on this concept, this is part of a fundamental argument about who does more good with money from corporate profits: the government which redistributes it willy-nilly to address their priorities after taking a hefty cut, or a corporation that rewards its stockholders with dividends, invests in expansion (thus needing more employees, which benefits the community), or – even if the CEO is a greedy SOB – spreading the wealth around via purchases. Even if he buys a yacht, someone has to build it.

Turning to local politics, I made a comment about candidate recruitment.

The hard part is finding candidates who want to go through the process. And don’t forget the school board, which will be “nonpartisan” but will almost certainly have a union-backed (read: Democrat) slate.

And finally, I had this reaction to fellow writer Jen Kuznicki‘s video. Like a lot of conservative writers, writing’s not her paying gig – her “real job” is being a seamstress.

You could sit in front of a computer and draw all day like I do in Salisbury, Maryland. Glad to see an American who makes things and adds value to raw material.

But if you thought yours was boring, there’s a reason I don’t do mine. To most watching paint dry would be preferable.

Look, all I do is put lines on a computer screen. It’s the end product that’s important – for the past few weeks it’s been for a proposed local hotel. The part that’s important is knowing where to put the lines.

Similarly, in good writing sometimes it’s best to know when to stop, so here you are. I already have a couple threads lined up for next time, one of which involves a candidate for Congress.

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?

Some thoughts I have on Trumpcare

I don’t quite think I have to reintroduce myself to all of you, but it truly has been a long time since I sat down and wrote a piece for the consumption of my readers. (Editing Cathy’s last piece and writing two articles for the Patriot Post doesn’t really count for that purpose, nor does updating my Shorebird of the Week Hall of Fame page to add a couple player moves.) Unfortunately, things won’t improve on that front for some time, but the opportunity which presented itself to take my writing time was one I could not pass up.

But in this interregnum, we were given the bill to “repeal and replace” Obamacare, and since we are told President Trump has threatened to find primary opponents for any Republican who opposes it, I think I’m safe in calling this package Trumpcare. It’s still a government entitlement because there was a replace added with the repeal, and that already put a strike against it in my book.

The document I am going to base my initial impressions on will be the “talking point” document put out by the House GOP. To be honest, I really don’t have time at this point to read the original 123-page bill in depth, although I downloaded it for future reference and glanced through it to help with this piece. I look at this website as what the House Republicans are using as their chief selling points to the bill, so presumably this is their vision for federally-sponsored health care going forward. We have lived under Obamacare for about three years (as I recall, the major provisions did not all take effect before 2014, although some were in place shortly after the bill passed in 2010) so we know its effects: sizable increases in insurance premiums, a massive expansion of Medicaid (paid for in large part by Uncle Sam) to ratchet up the number of people with health insurance, subsidies for those who have less than a certain income yet are forced onto or choose to partake in the individual insurance market, the reduction in the number of competing insurance companies in many areas of the nation (some have just one insurer available to them), and the virtual elimination of catastrophic health insurance plans as insufficient for the needs of those insured. There were also a number of regulations and restrictions on insurers put in place, key among them the requirement of children being covered under a parent’s policy through the age of 26 and the elimination of discrimination based on pre-existing conditions.

With this massive incursion into private industry, for the first time the federal government required purchase of a product under penalty of law – those who chose not to buy health insurance were subject to a “shared responsibility payment” collected by the Internal Revenue Service. Imagine if you had to buy a car every four years whether you were happy with the one you had or not, and you may have the idea of how people felt about this. Obviously the economics of it were to make everyone pay a little something, but that’s not the way a free country is supposed to work for something that’s not essential to core functions of government.

Here are some of the provisions within the American Health Care Act (AHCA):

  • It “dismantles” the Obamacare taxes on prescription drugs, over-the-counter medications, health insurance premiums, and medical devices.

Okay, so far so good, although I suppose the definition of “dismantle” is in the eye of the beholder. I glanced through that section of the bill and it looks like this would not take effect immediately but at the end of this year. As a whole, individuals may see a little bit of savings but it won’t be something they will notice.

  • It eliminates the individual and employer mandate penalties.

This is perhaps the best news of all, but there is one huge catch to this: instead of paying this as a tax provision, you would have to pay a penalty to the insurance company in the form of a surcharge on premiums if you start up insurance again after not having it for a period of time. And that catch basically negates the whole benefit of removing the IRS from the equation, although I suppose an insurer could use the waiver of this surcharge as an incentive to bring people in.

  • It maintains the prohibition on charging more or denying insurance based on pre-existing conditions.

I have a big problem with this – not that it wouldn’t necessarily benefit me because I have asthma but because the idea for an insurance company is to make a profit by balancing the risks shared by the vast pool of policyholders with the expenses incurred by reimbursing those insured for loss. If someone is very likely to be a net loss to the insurer because they have a pre-existing condition, it should be the right of the insurer to refuse service. After all, banks don’t lend money at the prime interest rate to people who have poor credit records or no verifiable means of income because that would put their capital at too much risk for the return, so they either refuse the customer outright or charge an interest rate commensurate with the risk. That should be the right of a private insurer, too.

I was reading on social media that Maryland once had a high-risk pool for such patients, which was bankrolled by the state. While it’s not the use of taxpayer money that would be my most favorite, it is a state’s right to do so if they chose and there was nothing wrong with that system because it wasn’t directly competing with the private sector.

  • It keeps the provision of dependents being on their parents’ plan until they are 26.

This is another bad feature of Obamacare that should be buried with the rest of it. If you are 26 you should be able to stand on your own two feet and either be working for someone who offers insurance or be able to afford a plan on your own. (Or choose not to have insurance, which would be your right – although not necessarily recommended.)

  • AHCA also establishes what it calls a Patient and State Stability Fund.

Over the next nine years, the federal government will give out $100 billion to the states to assist them with their goals of insuring every citizen. I read quickly through this section and there are some provisions that give me heartburn: there are strings attached to the expenditure of the money and the states are required to come up with a larger and larger portion of matching funds for whatever they use the money for, up to 50 percent by the end of the program in 2026 – assuming, of course, this doesn’t become a more perpetual giveaway (which I’m convinced it will.) There is $15 billion allocated to this over the next two years and $10 billion per year after that, and I’m sure states will say this isn’t enough because they like that financial crack of Uncle Sugar’s money.

  • Modernize and strengthen Medicare by transitioning to a “per-capita allotment.”

The legalese on this one is beyond my scope of comprehension, but to me the idea of modernizing Medicare would be that of sunsetting it, not strengthening it.

  • Enhance and expand Health Savings Accounts.

One of the better features, although it would be even better with the free transfer of money between HSAs and other entities such as an IRA or 401 (k). If you needed more money in a particular year you should be able to move it without penalty.

  • A monthly tax credit for those who can’t afford insurance, up to $14,000 per year.

A subsidy under a different name. Basically they are replacing one tax scheme with another, still targeted to particular people.

All in all, I think the repeal should take place without the replace. It seems to me that we had a whole political movement and a bumper crop of angst spring up over the last eight years because people did not want any part of the government interference in their health care that Obamacare brought to us. Over that time, we lived with the disappointment of Republican excuses: “we’re only one half of one third of government,” “we have the House and Senate but the President won’t sign this,” “we can’t defund because there would be a government shutdown,” and so forth. After 2016, there was a Congress and President who campaigned on repeal, and yet you give us this?!?

A better alternative may be the plan presented by Senator Rand Paul, although it’s not perfect either. But it’s better than the GOP alternative, which is a great letdown for those of us who waited for the moment to eliminate the (not so) Affordable Care Act.

‘Death with Dignity’: compassion or dispatch?

By Cathy Keim

“Deserves it! I daresay he does. Many that live deserve death. And some that die deserve life. Can you give it to them? Then do not be too eager to deal out death in judgement. For even the very wise cannot see all ends.” ― J.R.R. Tolkien, The Fellowship of the Ring

The House Judiciary and Health and Government Operations committees held a joint hearing last Friday on HB1021, the Richard E. Israel and Roger “Pip” Moyer Death with Dignity Act. Yesterday the Senate Judicial Proceedings committee held a hearing on the cross-filed SB676.

The arguments that were offered at the House committee hearing on March 6, 2015, were exactly what were expected. The two sides are clearly divided here. The culture of death has no room for the culture of life. The desire to rule one’s own fate does not leave room for compassion or suffering, which are both elements of the human condition.

The siren call of death takes the guise of “fairness.” It is only “fair” that a person that is terminally ill should be able to end his suffering. Without a doubt, we all tremble at the thought of pain, dependency, loss of mental capacity and/or bodily functions. We all desire to be healthy and happy, but to equate the loss of our health with the right to die is a dire step.

Let’s run through some of the arguments that opponents of the bill put forth.

Maryland has outlawed the death penalty for anyone, no matter his or her crime. However, the same drugs that Maryland will not allow to be used to execute murderers are the drugs that will be prescribed for a person to die with dignity.

Physicians are not trained to kill their patients. It will inevitably change the doctor/patient relationship if the doctor is expected to offer death as an option.

People that are given a diagnosis of a terminal illness with six months to live will most likely respond by being depressed. They could kill themselves in a state of depression because there is no provision for a mental health professional to evaluate them in the current bill.

Physicians cannot tell with accuracy who has six months to live. Plenty of people live for years after they are told they have six months to live, but we will never know if they kill themselves out of despair. Amazingly, about 20% of the people that receive hospice care actually leave the hospice instead of dying.

Palliative care is available for patients in pain. We are not condemning our loved ones to endless, unrelenting pain.

Many of the most poignant cases that are presented as deserving a death with dignity are those afflicted with Alzheimer’s, ALS, or Parkinson’s. However, by the time they would want to die, they would not be able to self administer the drugs, so this bill would not “help” them anyway.

Handicapped people already feel pressured because they are using medical resources at a steeper rate than healthy people. This bill would increase the pressure on the handicapped to not use more than their fair share of medical care.

Do you see how the subtle pressure works? Especially once the government is in control of health care, there will be the pressure to manage care from an organizational, cost-effective perspective, not a personal case-by-case perspective.

An effective way to save on costs is to encourage the elderly, the handicapped, and the sickest patients to stop their suffering (and ours) by removing themselves. It does not even have to be said aloud, but the pressure will build on our weakest, most vulnerable citizens.

It is time now to stop and count the cost of this type of public policy. Our country was established with a Judeo-Christian foundation of which the keystone is that each individual is created in the image of God. This is the concept that gave birth to Western Civilization, which resulted in our Declaration of Independence proclaiming, “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.”

Already we are seeing breaches in the wall protecting our weaker brothers. Abortion claims the lives of many babies because they are deemed defective (the vast majority of Downs Syndrome babies are aborted). Sex-selection abortions claim many female babies even here in the United States. Abortions are performed for trivial problems that could be surgically corrected like a cleft palate or even more troubling for the convenience of the mother. The absolutely logical next step after abortion on demand is the removal of the handicapped and elderly.

We are seeing the complete inversion of our thinking. Compassion used to mean caring for those that needed help. Now compassion is making sure that you can have a lethal dose of drugs to end your life. We have moved from compassion to dispatch, but in an Orwellian turn of the phrase, we still call it compassion. Then to keep up the farce, this bill would require the doctor to lie on the death certificate and list as the cause of death whatever terminal illness the patient had rather than suicide by overdose.

This Death with Dignity bill is a lie from start to finish. The true dignity would come from all of us rejecting this manipulation of our emotions and comforting our family and friends when they need comfort, not helping to finish them off.

Once again, I am aware of the pain, emotional and physical, that is present as we watch a loved one or ourselves move towards death, but this is part of the human condition. We do not make ourselves more human by rushing life out the door. We cannot create life, so let us not be over eager to take it away.

Fostering dependence

While many are attending a barbecue with family and friends or watching a fireworks show, there are big goings-on afoot in the world. I could have wrote on the demise of the Obama-backed Morsi government in Egypt, but that nation’s unrest isn’t a large threat to our livelihood just yet.

Instead, the news item I found interesting was the decision by Barack Obama to push the much-ballyhooed employer mandate back 12 months, from the beginning of 2014 to January, 2015. There’s all sorts of spin on this from the mainstream media (like the Washington Post, for example) but the timing of this is suspicious at best, as it occurs just six months before the original deadline. It’s intriguing how we now talk about the slowing down the rush, such as these two paragraphs from the Post piece by Dan Balz:

“This gives businesses some breathing room to figure it all out and not have to be rushed,” Democratic pollster John Anzalone said in an e-mail. He said he did not see it as a political decision, but added, “To be quite honest, whether it was implemented in 2014 or not, the Republicans are going to use the same rhetoric on Obamacare to attack Dems in congressional races [next year].”

And also…

Another administration official, who spoke on the condition of anonymity to talk candidly, said the action was not a reflection of the administration’s inability to implement the law, but rather its concern about getting this right rather than getting it done quickly.

So let me see if I have this straight. In 2010, we had to rush and pass the Senate version of the bill to see what was in it in the first place, all because the fragile coalition of Democrats was broken when Scott Brown was elected. Now there’s absolutely no hurry to put this employer mandate into place, even though American companies have wasted the last three-plus years dealing with strategies on how to cope with it. I really don’t see them running out and hiring millions of people based on a one-year reprieve from the proverbial firing squad of an employer mandate.

I know the real reason it was punted, though, and it’s called the 2014 elections. Forget taking over the House – surely Democrats are more worried about losing the Senate majority because they have a lot more seats to defend than the GOP does.

If the employer mandate was set in stone, chances are unemployment would reverse course and ratchet skyward, despite the administration’s best efforts at keeping the number low by tossing out long-term unemployed. If unemployment is 10 percent in an off-year election, you wouldn’t have enough Democrats remaining in Congress to occupy a phone booth, let alone run the Senate. (I say this with a caveat, though: there’s a reason Republicans are sometimes known as the stupid party – they have time and again snatched defeat from the jaws of victory.)

But if the impact is pushed beyond 2014 and Democrats manage to take back the House to go with the Senate, Republicans may be doomed to go the way of the Whigs. You’ll see expanded amnesty, more needless climate change regulation, the undermining of the Second Amendment – oh, and a faster push toward a single-payer health care system. This scenario is far more likely with a 2015 employer mandate.

If all this happens, we may just as well all be handed “dependence” cards, since surely the government will have one with our names on it. We’ll need that in order to be “put on the list,” waiting for months to secure our “free” health care. And if someone dies while waiting, well, chances are they were a conservative old fogey anyway. But if you’re a woman who wants her abortion six months into pregnancy, there will be no line for you. Step right up and have your fetus butchered while you wait.

Unfortunately, we already have too much government control of our affairs. After all, look at all employers have invested to prepare based on a government decision at the expense of actual tasks which can build market share or improve a product or process. That’s the sort of red tape which needs to be eliminated – stat!

WCRC meeting – June 2013

We hadn’t met in two months, but probably received enough information to make up for the difference in Monday night’s meeting.

After the usual preliminaries, we stopped for a special presentation. Two deserving students outshined a solid pool of applicants and were honored with the Wicomico County Republican Club scholarship. Both Joseph Pitsenbarger and Emma Miller hail from Parkside High School.

Once we presented the scholarships, the meeting was opened up to featured speaker Dr. Mark Edney. The local urologist and member of the American Urological Association’s Health Policy Council and Legislative Affairs Committee knows his stuff about Obamacare, and his nearly hour-long presentation was jammed full of facts to back up his thought that “Obamacare is a liberal-made disaster.”

His activism on the subject started with an op-ed on the Ryan/Romney plan prior to the 2012 election. But as more people questioned that plan with the talking points of Obamacare, Edney looked a little deeper to find, as one example, that half of all health care dollars are spent by the federal government, and spending on health care comprises 24 percent of the federal budget as well as 25 percent of Maryland’s state budget.

But that’s not really why we have the most expensive health care in the world, Edney continued. Much of that expense comes because we have the most technologically advanced system. Still, about 85 percent of Americans are covered under the existing system and the Democrats “have upset the apple cart” for them, said Mark.

Yet what Obamacare tries to do is make sure that all Americans have health insurance; meanwhile, it also creates a subsidy that affects even those in the middle class, up to 4 times the federal poverty level. Unfortunately, the CBO figures that Obamacare will only address about half – 25 million – of the 49 million uninsured in the country, down from 33 million estimated just two years ago. And the real challenge, said Edney, will be getting 2.7 million 18-to-35 year olds, predominantly male, to willingly pay a lot more for insurance to subsidize the aging population which uses most of the services rather than pay a tax penalty which is a fraction of the cost. The Affordable Care Act, Edney predicted, will be “the slow death of private insurance as we know it.”

Another problem on the horizon, added Mark, will be a shortage of suppliers. While the state is trying to expand the role of nurse practitioners, physician’s assistants, and pharmacists into those roles normally reserved for doctors, they’re not a substitute.

Instead of Obamacare, which diagnoses the problem correctly but fails to cure it, the better solution lies in free market reforms to the system, in particular introducing the aspect of competition. Edney pointed to the Medicare Advantage and Medicare Part D prescription drug programs as “excellent examples of competition.” He also suggested raising the Medicare age to 67, noting that most of those who would fall into that 65-67 age bracket continue to work anyway or would be eligible for Medicaid based on income.

Edney also discussed how this could affect us on a local level. While consolidation of providers has occurred up the Eastern Shore with the merger of Chester River Health and Shore Health, at this time our area still has cutthroat competition between several players: the Peninsula Regional Medical Center in Salisbury, Atlantic General in Berlin, McCready Memorial Hospital in Crisfield, and perhaps even Nanticoke Health Services in Sussex County, Delaware may need to combine their efforts or be swallowed up by even larger entities. He predicted some movement on this front within five to seven years.

After that extremely informative presentation, of which I barely scratched the surface, we still had to go through our business.

In her President’s Report, Jackie Wellfonder mentioned a number of upcoming events, noting the 2014 primary was exactly one year away. But on a closer timeframe, the Tawes Crab and Clam Bake will be July 17, the Pathfinders event in Worcester County will be July 20, and the rescheduled Agenda 21 meeting with the Republican Women of Wicomico will now be August 1.

She stole the thunder from Dave Parker’s Central Committee report, as he mentioned many of the same events in passing – adding that we will have our usual joint Tawes presence with Worcester and Somerset counties – but Parker came up with the quote of the night regarding this administration: “Everything Obama touches turns to mush…if it ain’t broke, don’t Barack it,”

Joe Ollinger has steadily been working on the upcoming WCRC Crab Feast September 7, assembling a small roster of volunteers and getting the tickets printed and available. They will be $1 more than last year, but $26 for all-you-care-to-eat crabs is still a good deal.

That seemed to be the extent of what people wanted to discuss insofar as business was concerned. But July’s meeting may be more productive in that regard. Meanwhile, it appears that our August meeting may feature another candidate for governor as Charles Lollar is penciled in as our speaker that night, so July may be a sweet spot for finalizing some loose ends before we start going wall-to-wall with campaigning candidates.

O’Malley keeps shooting his foot

Since the beginning of July, Governor Martin O’Malley has made nationwide news in a number of ways, but not necessarily with the headlines he may have preferred.

First we had the Change Maryland tax exodus report that I’ve talked about at some length – and so have a number of others. (Yes, there are eight different links in that sentence.) That begat other statements like this one from GOP U.S. Senate candidate Dan Bongino, who also made a swipe at opponent Ben Cardin – who is not my friend, by the way:

Sensing the futility of having to defend our worsening national and local economy, Senator Cardin, absent a few well-scripted photo ops, has been missing in action as a public face for the current administration. Happily filling in is our Governor, who prefers television appearances to actual governing. Never more than a breath away from a mimed sound bite, fed to him by the current administration, he continues to intentionally mislead the American people and Marylanders regarding the perilous state of the U.S. and Maryland economies, perpetually stating that both are “moving forward”.

Governor O’Malley, take off your blinders and put aside your Presidential aspirations. The U.S. economy is in the midst of the worst recovery in modern times and our great state has become an economic joke. We currently rank 42nd out of 50 in a recent report on state’s business environments, followed by another report showing a mass exodus of successful Marylanders avoiding our punishing tax load. (Emphasis in original.)

Even better was this from radio talker Mark Levin, who’s not known for mincing words (h/t to Jackie Wellfonder):

And the guy who started this whole news cycle, Change Maryland head Larry Hogan, himself on Wednesday dismissed O’Malley’s response as “a childish lashing out” on WBAL radio.

So what did O’Malley do yesterday? Double down on stupid. (Again, thanks to Jackie for this one.) This is from his Facebook page:

A new report conducted by the Hilltop Institute at the University of Maryland, finds that implementation of the Affordable Care Act will benefit the state’s budget by more than $600 million through 2020, generate more than $3 billion in annual economic activity, and create more than 26,000 jobs. This is more great news for Maryland’s families.

Naturally I had to respond:

If the group being cited has as part of its stated mission “Developing, implementing, and evaluating new delivery and financing models for publicly funded health care systems, including preventive health, behavioral health, oral health, and long-term services and supports” do you honestly think they would have some other conclusion?

The Left loves to jump on research when its funded by a particular industry and seems to conform with their word view, so how is this different?

But the most humorous thing I find about the study is that they project there will STILL be uninsured Marylanders. I thought the idea was to insure everyone? (Never mind the rose-colored glasses on economic impact, unemployment, etc. the report assumes, nor should we mention the $300 million a year state employers will have to pony up.)

(snip)

And why should O’Malley care? The impact will mainly fall on his successor; meanwhile he’ll be warming a U.S. Senate seat in preparation for his sure to be ill-fated Presidential run.

By the way, a summary of the report projections can be found at the Hilltop Institute site. I sort of suspect they know which side of the slice their bread is buttered on.

And here’s the rub: Does the governor honestly think that taking all these millions out of the private sector and redistributing it to the mobs who will be expecting their “free health care” for every sniffle, toothache, or paper cut will make money for the state? It didn’t work in Tennessee or Hawaii, and the jury is still out on Massachusetts.

Out here in the real world, we know the score. And while Martin O’Malley is trying his best to become a leading contender for the 2016 Democratic nomination by pandering to the causes liberals hold dearest, such as green energy and gay marriage, he’s forgetting that he’s also building a record of budget-busting failure to be used against him by the GOP. Quite honestly, stupid statements and “childish lashing out” are unbecoming of any governor, let alone who who fancies himself a prime-time candidate for the Oval Office.