Obamacare

Obamacare is Failing—and Hillary Clinton Doesn't Want to Talk About It

Another state health insurance regulator warns of impending collapse in the individual market.

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credit—Whitehouse.gov

On Friday, Minnesota Commerce Commissioner Mike Rothman became the second state insurance regulator in recent weeks to warn that their state's individual insurance market—which includes its health insurance exchange—is on the brink of collapse. In a press release, officials said that rates for the seven insurers operating in the state's individual insurance market would increase by between 50 and 67 percent. Those hikes were necessary to prevent a full-blown failure. "It's in an emergency situation—we worked hard and avoided a collapse," Rothman told Bloomberg News.

Just a few weeks earlier, Tennessee Insurance Commissioner Julie McPeak declared that the state's Obamacare exchange was "very near collapse." The state allowed two insurers to re-file requests for rate increases, eventually approving hikes of more than 40 percent, which McPeak said was necessary in order to stave off a meltdown.

The problems are widespready, although the extent and particulars of the problems vary by state. Many insurers have abandoned the exchange system in Arizona, leaving most counties to be served by only one carrier. In at least four other states— Alaska, Alabama, Wyoming and Oklahoma—only one insurer will sell in the exchange.

These issues are concentrated in the individual market. As Janet Trautwein, the head of the National Association of Health Underwriters, a trade group for insurance brokers, told The New York Times, "Employer markets are fairly stable, but the individual insurance market does not feel stable at all….In many states, the individual market is in a shambles."

The Obama administration has all but admitted that the law is unstable and unsustainable in its current form.

President Obama has called for the creation of a government-run health insurer to shore up competition in the exchanges, strongly suggesting that the law's scheme, which was touted as path to private insurance competition, is not working and not going to work.

Meanwhile, Andrew Slavitt, the acting administrator for the Centers for Medicare and Medicaid Services, which overseas the law, said in a New York Times report today that his agency is working to create "a stable, sustainable marketplace" in part by making additional payments to insurers for expensive beneficiaries. Just last week, however, the Government Accountability Office, a non-partisan federal watchdog, released a report finding that the Obama administration's decision to funnel billions to insurers to help cover the expense of high-cost patients was illegal. It says something about the shabby state that Obamacare's exchanges are in that a senior administration official is touting an expensive, illegal payout to insurers as a solution to the program's woes.

In any case, it is a solution that, judging by the health law's continuing struggles, does not seem to be working. And neither the law nor the supposed fixes that its backers hope to implement are exactly political selling points. As Byron York reports today, Hillary Clinton, the Democratic nominee for president and the standard bearer not only for her party but for defense of the health care law, has mentioned Obamacare just once in the course of sixteen speeches delivered over the last month—and that was only when President Obama was in the room.

Clinton's silence is telling. Crucial elements of Obamacare are on teetering on the brink of collapse, and the only solutions that its backers have on offer involve spending more public money and giving the government even greater power over health coverage and care. Is it any surprise she doesn't want to talk about it?

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  1. The problems are widespready

    I find that’s true of many problems these days, like in copy editing.

    1. That’s how they lure you in: leg’s akimbo.

    2. That one reads as intentional, Buffy Speak.

      Overseas, however…

  2. But both candidates claim they want everyone to have health insurance. So… Don’t you just love choices?

    1. I’d like to have more than one but certainly not as many as 23!

    2. There are more than two candidates on the ballots of most states. Just sayin’

      1. candidates for President

        In anticipation of comments from my fellow pedants.

      2. Yeah, there’s Darren Cassel and Jill Greenstein.

      3. ALL states have 3 candidates for president at least.

        1. Colorado has like 15.

        2. Thanks. Thought that was so, but couldn’t be arsed to check and didn’t want to be pendant-checked.

      4. They just haven’t been enlightened by California’s Top Two law yet?

        1. Ah yes California, where your only choices for Senate are 2 Democrats.

  3. What does Gary Johnson and Weld have to say?

    1. Gary Johnson probably has an answer that half acknowledges the problems of the law that he’ll explain while an electric guitar gets wild in the background. Weld will probably say something akin to the law having certain advantages that make it worthwhile to retain the law and just needs some fixin’ by top men. Then he’ll say that pistols need some gun control or some other stupid bullshit.

      1. *nods agreeingly*

      2. “…electric guitar…”

        Nah Gary seems like more of a inoffensive, vaguely African and Latin, world music aficionado .

        1. The playlist he curates on Spotify has a ton of gamelan music in it.

          1. Probably some didgeridoo and sitar thrown in there to spice it up…

        2. Well the TV and radio commercials I’ve seen him run seem to always have electric guitar music playing, because what else is going to get the kids to put down their hula-hoops and pogo sticks long enough to go out and vote?

          1. Surfing with the Alien?

            1. Ah, I remember seeing Joe Satriani play at a club in St. Petersburg not long after that album was released.

    2. Johnson would be unable to name a section of this bill he admires.

      1. Can Hillary name a section of Bill she admires?

          1. More so his coat tails I think.

            1. That explains why she’s been riding them for decades.

        1. Yes.

          Hoi Polloi must purchase……

      2. Then he’ll be shocked that some SCOTUS justice voted in favor of it.

  4. “It’s in an emergency situation?we worked hard and avoided a collapse,” Rothman told Bloomberg News.

    But what will you do next year?

    1. Extend the emergency. Duh.

    2. And in doing so you created one. Someone please punch this disingenuous, unselfaware moron…I mean ‘Top Man’ in the nose. Hard.

    3. IF ONLY SOMEONE HAD SEEN THIS COMING

  5. Who cares what Hillary talks about, it’d be nice if everyone else besides Reason would.

  6. This is clearly the fault of rat-obstructing teafucking capitalists who hate the poor and want the system to fail.

    1. Who doesn’t want to obstruct rats?

      Not so sure about fucking the tea. Maybe don’t do that, so much.

      1. Jeff Bezos?

    1. I can’t stand it I know you planned it
      I’m gonna set it straight, this Watergate
      I can’t stand rocking when I’m in here
      Because your crystal ball ain’t so crystal clear
      So while you sit back and wonder why
      I got this fucking thorn in my side
      Oh my God, it’s a mirage
      I’m tellin’ y’all it’s sabotage

      So listen up ’cause you can’t say nothin’
      You’ll shut me down with a push of your button?
      But yo I’m out and I’m gone
      I’ll tell you now I keep it on and on

      ‘Cause what you see you might not get
      And we can bet so don’t you get souped yet
      You’re scheming on a thing that’s a mirage
      I’m trying to tell you now it’s sabotage

      Why; our backs are now against the wall
      Listen all of y’all it’s a sabotage
      Listen all of y’all it’s a sabotage
      Listen all of y’all it’s a sabotage
      Listen all of y’all it’s a sabotage

      I can’t stand it, I know you planned it
      But I’m gonna set it straight this watergate
      But I can’t stand rockin’ when I’m in this place
      Because I feel disgrace because you’re all in my face
      But make no mistakes and switch up my channel
      I’m buddy rich when I fly off the handle
      What could it be, it’s a mirage
      You’re scheming on a thing – that’s sabotage

  7. Clinton’s silence is telling. Crucial elements of Obamacare are on teetering on the brink of collapse, and the only solutions that its backers have on offer involve spending more public money and giving the government even greater power over health coverage and care. Is it any surprise she doesn’t want to talk about it?

    Doesn’t want to discuss more spending and more control until after the election. Libertarian Moment!

    1. Your mom doesn’t wait until after to discuss spending and control.

      1. If she discussed those before then there would be no Winston.

  8. Now see, this is the one policy area where Trump beats Clinton. It’s just common courtesy – you should at least help people to the sidewalk after you shoot them.

    Jill Stein approves this message.

  9. Who cares if Obamacare’s failing? That’s so 2010.

    Big nothing burger. Move on.org.

    What difference, at this point, does it make, that the single legislative achievement of the most recent democrat senate/house/presidency trifecta turns out to be total BS?

    We need to look forward, people.

    Start writing down your ideas for Hillary’s presidency.

    1. Pleasingly scented vagina deodorizers are a woman’s right!

    2. I’m just going to vote them in so I can see what they’ll do.

      /Pelosi

      1. Also

        /every GoP Trump voter

  10. It’s all in the wording. Insurers under-charged when Obamacare was created. They have to raise premiums. Many are reporting this as some sort of indicators of collapse when it’s just the fact that insurers didn’t know how to price appropriately in this new marketplace.

    Who know who it’s not collapsing for? The millions who couldn’t get coverage before Obamacare under a for-profit motive on people’s lives. There are some places where we should put aside the Cult Of Laissez-Fairy Capitalism.

    1. Uhhhhhhh dipshit, when the insurers withdraw from a market because they can’t make money, nobody’s insured.

    2. 3.5 out of 10, you heart clearly wasn’t in it.

    3. Pro-tip if you want to be taken seriously, the cute renames don’t do you any favors.
      Same holds true for “Cankles” “Obumles” etc.

      1. “Block Insane Yomomma” is the most clever name in history, though.

    4. Except that millions haven’t’ gotten coverage. The number of insured today is largely the same as it was then.

      1. And millions have much shittier coverage with much higher premiums and deductibles than before.

        1. Yo! [raises hand]

          1. *seconds the motion*

        2. What percentage has it batter, you think?

          I have heard of it. I’ve never seen it myself.

          1. *better

          2. The ones at or below poverty level who are getting heavily subsidized.

            1. The ones at or below poverty level who are getting heavily subsidized.

              Not really. They get a bunch of stuff for “free” that they never had any interest in (physicals, IVF), but the stuff they’d actually want (treatment, medication) still has to be paid for.

          3. Not many. Most people who have “coverage” now but didn’t before are on Medicaid or subsidized “bronze” plans which are not technically Medicaid but the distinction doesn’t mean much in practice.

            And everyone who is getting subsidies for the premiums still has to deal with the high deductibles and the growing copays. I know people who have been on disability and fixed incomes for a long time whose out of pocket medication costs skyrocketed.

            1. For some the deductibles are 0.

              1. Are those plans fully subsidized, though?

                It was my understanding that most people who are eligible for substantial subsidies either have to get a fully subsidized plan with high deductibles/copays or a partially subsidized plan with low deductibles/copays.

                In other words, it’s not “free”.

                1. In other words, it’s not “free”.

                  This was not meant to be a goalpost shift on my part. Generally speaking, most people could get insurance coverage before. It’s just that a lot of them didn’t want it (mostly, they didn’t want to/couldn’t justify paying for it). The ER will treat anything serious and you can just duck the bill indefinitely (hooray, EMTALA).

                  The set of people who have it “better” now are those with the vaunted “pre-existing conditions”; they are getting treatment that costs a lot more than they are paying for it. I just don’t think that group makes up the majority of those who now have “coverage” but didn’t before.

                  1. Some people get premium subsidies. Some also get cost-sharing subsidies. The latter adjusts silver plans (AV ~ 70%) so that they look like Platinum and Gold plans (AV ~ 80-90%)

                    Native Americans don’t pay cost-sharing I believe.

                    Yes insurers underpriced. And many have had huge losses in the first two years of the ACA. The risk adjustment program shifts costs around, but if the whole market is under-priced, then it is moving around deck chairs on the titanic. The reinsurance program shaved some of the losses, but it is gone in 2017. The risk corridor program is a farce.

                    The problem with huge rate increases is that they tend to lead to adverse selection spirals. Healthy lives balk at paying 50%+ rate increases for the same coverage, leaving only the less than healthy lives, which also means the 50%+ rate increase is not enough to cover the average cost of the new, smaller, and sicker population. It is hard to get stable pricing when you have rate increases this large.

      2. Yes, but a lot more people have high paying government jobs, courtesy of the massive bureaucracy created by the law. Why do you hate jobs, John?

    5. Many are reporting this as some sort of indicators of collapse

      Google “insurance death spiral”. You might learn something, including why this is, indeed, indicative of a collapse.

      Who know who it’s not collapsing for? The millions who couldn’t get coverage before Obamacare under a for-profit motive on people’s lives.

      The best guess at this point is that the increase in people with insurance consists of (a) people on Medicaid expansion and (b) people with jobs under our “recovery” who would have had insurance without OCare, regardless.

      1. Try googling positive words, and you’ll also find lots of links. Protip: Number of links does not indicate a winning argument. Nice try though. And, there is a C) of people not in A) or B) that benefit from Obamacare.

        Look, I understand there are key words that set some to frothing. But, I value the lives of my fellow Americans…making it profit-based is unethical.

        1. But, I value the lives of my fellow Americans…making it profit-based is unethical.

          Who is going to save the lives of your fellow Americans if nobody is supposed to make money off of it?

          Do you work for free?

          1. Is the whole category of non-profit corporations outside of your knowledge? Wow.

            1. What does that have to do with the ACA?

              How much does the non-profit sector make up? Just because there are some non-profits doesn’t mean every business should be a non-profit.

            2. Having worked for many non-profits, I can say that while it does sometimes feel like you’re working for free, you really do get paid.

              1. Blue Cross is a non-profit company. They couldn’t make a go of it in MN

            3. Being a non-profit corporation doesn’t mean those corporations don’t make profits – it only means that they don’t have to pay taxes on the profits that they make.

              Blue Cross of Tennessee is a non profit and they just pulled out of the individual exchanges in most of the state (i.e the major cities) because they were losing money on them.

              1. Being a non-profit corporation doesn’t mean those corporations don’t make profits – it only means that they don’t have to pay taxes on the profits that they make.

                It’s more than just that. They can’t have profit manifest as owners’ equity, either. Also, what does and doesn’t get taxed exactly depends on what type of non-profit they are (i.e, what chapter and section of the Internal Revenue Code they’ve filed under); the different types have different restrictions.

                1. United Healthcare, a for-profit company, is based in MN.
                  MN state law requires insurance companies to be non-profit, so UHC does not offer insurance in its home state.
                  Blue Cross had 100,000 of the 250,000 individual insurance plans in MN.
                  When they bailed, the remaining insurance companies were granted caps on how many new customers they must take this year.
                  The caps are set low enough that nobody will have to take all of the Blue Cross accounts, but high enough that everyone will be able to find a chair somewhere when the music stops.

              2. And some stayed in because they are MAKING money. Cherry-picking facts sure is fun!

                1. If they are making money, I’m curious why the state is allowing +50% markups in price.

                  I’m done with you though, you don’t answer questions in good faith and are pretty clearly an economic dunce, probably in your late teens or early twenties. Good luck in life sir.

                2. If they need to increase rates by 50%+ they most certainly are not making money.

            4. For-profit and non-profit insurers are both getting hammered by the ACA. The for-profit part has zero to do with affordability. The big drivers of health insurance costs are hospitals and drug manufacturers. If you take their money away (under whatever accounting basis they use), they will stop performing.

            5. So we should put the government in charge of all restaurants and grocery stores because otherwise they just exploiting people’s need to eat for profit?

              I get that you’re one of those people that thinks everyone that doesn’t work for the government is evil and everyone that does is an angel, but try reading a little about price theory and supply and demand and you might learn a bit about how markets optimize production and pricing of goods and services. Then maybe you can make an argument instead of wasting your time skewering those straw men.

        2. I didn’t direct you to Google to count links.

          I was hoping you might learn a little something about insurance markets and why drastic premium increases are a marker for systemic collapse via death spiral.

          1. Or undervalued market corrections. Or bubbles. Or all sorts of shifts that happen in free markets. I’d expect a self-touted Libertarian site to know fo things like this. But, all I see is just a bunch of angry, cussing teenagers who don’t know shit.

            1. teenagers

              … says someone named “alphadogg”

            2. angry, cussing teenagers

              who don’t know shit.

              I loled.

            3. Or undervalued market corrections. Or bubbles. Or all sorts of shifts that happen in free markets.

              What about the insurance market makes you think it is a “free” market?

              Is it the part where the states enforce cartels? The part where the insurers have to get permission to increase rates? The part where they are required by law to have certain benefits, and are limited by law to certain medical loss ratios?

              1. Actually, it’s the part where getting your health insurance from your employer is subsidized but getting it yourself isn’t.

            4. They had stable individual markets in most states prior to the ACA. The law has changed that.

        3. The argument is in the content of the links and how they refute, directly, your assertion.

          1. He’s too busy being ethical to read your damned links!

          2. And, I’m tellling you that, lo and behold, there are links that point to the exact opposite! So, biased thought silo much?

            1. That insurance companies drastically hiking premiums or outright exiting the exchanges is a sign that they are working? Maybe there are people saying that, but they’d be wrong.

              1. Plus the ones who agreed to stay in MN next year were given a cap on how many new customers they have to take.
                If it’s working, why would they want to limit the size of their customer base?

              2. Some are leaving because they cannot adapt. Some are leaving in a negotiation attempt to strongarm the marketplace and keep their inflated profits. Some, like Harken, Kaiser, etc are quite happy. Again, if you go from bias to facts, you will only find the facts you want to see.

                1. Some are leaving because they cannot adapt

                  They aren’t being allowed to adapt in a distorted market place.

                  negotiation attempt to strongarm the marketplace

                  By either forcing their customers into the plans of a competitor or leaving a monopoly position? That makes no sense.

                  inflated profits

                  They are losing money.

                  Harken, Kaiser, etc are quite happy

                  We’ll see.

            2. And, I’m tellling you that, lo and behold, there are links that point to the exact opposite!

              This is where critical thinking is called for. As you can see, we lost alpodogg on that swerve.

            3. Ah, the good old “well I can’t refute these arguments, but I’m sure someone somewhere can, therefore I win!” argument. One of the classics.

        4. “…making it profit-based is unethical.”

          A classic example of proggies unable to understand subtle concepts. Anyone who says this also doesnt understand the philosophical underpinnings of our constitution, thus the widespread disdain for it.

          Creating a system wherein bad people are motivated to do good things or where people seeking to satisfy their own personal ends create good for others is incomprehensible to the ‘feelz’ crowd. For them only good intentions are ever worth considering. This is why their efforts always end in disaster while they decry the most spectacularly successful system i n the history of the world, the one that has created more good for more people than all of the other systems in history combined.

          Stupidity has a price and it is steep.

          1. Ah, yes, the “magical Constitution” that, like the Bible, can be spun to support any viewpoint. It’s basically a misplaced appeal to authority.

            BTW, “As to Taxes, they are evidently inseparable from Government. It is impossible without them to pay the debts of the nation, to protect it from foreign danger, or to secure individuals from lawless violence and rapine.” ? Alexander Hamilton

            1. Do you want to learn about how the profit motive has led to the greatest standard of living in our species’ history or how the ACA is in fact collapsing and why from the people who predicted it?

            2. You decry appeals to authority and then directly follow with an appeal to authority. Nice.

              1. He has it on good authority that appeals to authority are not authorized.

            3. The Constitution is an absolute limit on authority, not an appeal to it.

              Jesus, it’s the fundamental tenet.

      2. People who represent uninsurable risks prior to guarantee issues have benefited from the ACA. But that is like saying that people who get a free meal benefit from it. No kidding, but it doesn’t help the restaurant pay its bills. Worse, the free ride is, at least in large part, being subsidized by people in the risk pool. That won’t work without a punitive mandate.

        1. Actually, the Micky D’s reference sets off a nice analogy:

          The ACA is like ordering McDonald’s to provide free happy meals to the poor and homeless. To “make up” for that, all of the paying customers are forced to supersize their orders whether they want to or not, and all condiments are now charged for. And all this is done while McDonald’s menu is reduced to just the few things that are “healthy” for you.

          McDonald’s starts losing money and seeks permission to raise prices on their remaining menu. Paying customers stop going there, but customers getting food for free keep coming back. So McDonald’s raises they prices again. Rinse and repeat until the store is out of business.

    6. The millions who couldn’t get coverage before Obamacare under a for-profit motive on people’s lives.

      Why should someone go through the effort of providing me goods and services if not for profit? I guess that’s where we differ. I think profit is a better, more moral motivator, whereas you prefer a gun. You’re so noble and altruistic.

      1. I believe a neighbor’s life does not equate to a hamburger or a widget. You want capitalist-takes-all on burgers. Great, I’m with you. But, when my neighbor becomes destitute due to being unable to get coverage, I think that we are truly not a First World country anymore…

        1. So your solution to your neighbor becoming destitute is to take money from millions of people at the point of a gun? Why not help them out, yourself, instead of moralizing about it and making loud calls for thinly veiled theft?

          Fuck off, slaver.

          1. Need a hankie for that froth around your mouth?

        2. when my neighbor becomes destitute due to being unable to get coverage

          What should you be spending your money on, if saving your own life is not important enough?

        3. “But, when my neighbor becomes destitute due to being unable to get coverage, I think that…”

          Nope. You don’t “think” at all. You feel. Get it straight.

          1. Projjection at its best. Just because you only feel and have no capacity for thought or empathy doesn’t necessarily extend to everyone.

            1. So empathy is a calculating mental process? Or were you just looking for an excuse to accuse someone of “projection” because you saw someone else do it on facebook?

          2. Purely a minor kvetch, but you don’t become destitute because you’re unable to get coverage. You have that precisely backwards, although in that case they would no doubt qualify for various other programs a la Medicaid or they could also have a job (I know, that’s asking a lot).

            Your haste denotes a losing proposition, but you have clarified in my mind that this is not a case of Poe’s Law. You actually believe that millions of people would suddenly become Doctor’s altruistically. Adorable, but not sound national policy given that there was virtually an emergency shortage of primary care doctors before the government decided to make that problem infinitely worse.

            Note that you’ll be seeing a lot more foreign Doctor’s, solely because even now they’ll make more here than in their home countries where they could have done a great deal more with their inherently altruistic spirit that you still somehow believe in.

        4. my neighbor becomes destitute due to being unable to get coverage

          Yes. If only there had been racketeering coverage against price-gouging and price fixing, collusion to eliminate competition and protectionist markets enforced at gunpoint. That would have solved everything.

          Insulin isn’t cheaper in France because of the magic of Paris.

          The reason diabetics can’t buy it there for use here isn’t because it’ll cause our sun to overload and kill all life as we know it.

        5. You want capitalist-takes-all

          Actually, the capitalist gets a small amount. Everyone who contributes to making the burger, from the farmer to the cashier, gets some, too. And I get a burger. So we all win.

          when my neighbor becomes destitute due to being unable to get coverage

          In a properly functioning market place, your neighbor would get coverage before they become destitute. That’s the point of insurance – to prevent you from going destitute if you experience a low probability but high cost event.

          Even if you think that is difficult in the case of health insurance, Obamacare was a terrible solution, and this article is reporting on evidence of that.

        6. But, when my neighbor becomes destitute due to being unable to get coverage, I think that we are truly not a First World country anymore…I should be allowed to rob anyone I want at gun point to make them pay for the treatment, because I’m sooooo humane.

          1. Why don’t you live alone on a island?

            1. If you’re going to make dumbfuck false dichotomies, at least have the decency to tell me to move to Somalia.

              1. Dude, a tropical island is way more appealing than Somalia.

              2. Somalia is actually free-market.

                1. Somalia is a failed Communist state, that’s currently fighting a Civil War with an Islamic insurgency. It’s a long, long way from a ‘free-market’.

                2. Yeah and North Korea is a Social Democracy.

                  Burn that straw alphadogg, burn it all.

            2. Because libertarians like cooperation, we just want it to be voluntary.

              But even if you accept the premise that government needs to or ought to have some role in providing health insurance, Obamacare was/is a terrible way to do it.

          2. That’s a lefty for ya.

            Always grandstanding about how noble they are for volunteering other people’s money for something.

        7. Not sure where this comment fits in best in this thread, so I am going to leave here. Please remember that not all health care providers are For-Profit. One of the largest “insurers” in the US is Kaiser-Permantente, a not-for-profit. Can your neighbor afford coverage with KP*? If yes, what’s the problem? If no, how can capitalism be responsible?

          *Note: I understand KP is not available in all states, but I use for illustrative purposes.

        8. The problem, ‘dog, is not the ideal of saving lives, but the complete lack of any attempt to QUANTIFY costs and benefits. Yes, that involves money. Money is an abstract storage medium for human life (think about it). At some point the phrase “If it saves one life, it’s worth it” becomes a lie. If the State is taking small amounts of human life from everybody to pay for ONE life saved, at some point the State is operating at a life-deficit.

          Then there is the question of, is the State’s program at all likely to WORK? The people claiming that Obamacare would work have turned out to be wrong. Now what?

        9. But, when my neighbor becomes destitute due to being unable to get coverage,

          You stand ready to dig deep into your own funds to help them out?

        10. How do you live up to your standard? What sort of work do you do?

        11. You want capitalist-takes-all on burgers. Great, I’m with you.

          What? And put a profit motive on people’s lives? I mean people need food to live right? We can’t have profits interfering with that. We need price controls like in Venezuela. That way food is readily available to all.

          1. What are the odds of the average Proggie recognizing this as A) sarcasm and B) a horrible warning

    7. C-

      General lack of effort, all-in-all a pretty poor attempt. But I’ll award points for “Lassez-Fairy Capitalism,” you disgusting homophobe.

      1. I thought it was cute that the troll threw out a homophobic smear. Makes it easier to ignore – the troll, that is.

        1. And, it’s usually the smeller who’s the feller… Maybe time to let This Machine out of the closet?

        2. Every time you feed a troll, Lena Dunham films a nude scene. I know. But DAMN if it isn’t hard to resist sometimes.

      2. Downgrade to a D? “Lazy Fairy Capitalism” is a stock derisive nickname from the 1930s and alphadogg blew it.

        1. Typical prog, can’t think of anything original.

          1. Even more typical prog, can’t even get their rip-offs right.

    8. Insurers under-charged when Obamacare was created

      I thought they were over-charging the innocent poors with their pre-existing conditions!

      No two talking points in defense of the ACA are consistent with each other.

      1. They cut prices to make Bush look good, then raised them to make Obama look bad because they hate black people. And of course we all know insurers hate women so they’ll really raise premiums under Hillary, the bastards.

    9. There are some places where we should put aside the Cult Of Laissez-Fairy Capitalism.

      It’s “Lazy Fairy”. Get it right!

      1. Still not sure. Poke it and record the reactions. For science!

    10. You are whistling past the graveyard Turd.

    11. If they undercharged it was because the Federal Regulators told them to do so, and promised them taxpayer money.

    12. Booooooo.

    13. I’m 95% sure this is sarcasm, but on the off chance it’s brain damage…

      If becoming a Doctor didn’t involve a profit motive, there would be close to zero people in the profession and thus we would indeed all have the same access to healthcare; that access would be zero as the profession would functionally be non-existent.

      You might be surprised to find out that in societies that nationalize their healthcare, you see a lot of their providers stop being providers or leave the country along with a drastic reduction in overall satisfaction and actual health outcomes. The providers who remain in the system are overworked with perverse incentives to let the sick and elderly die unless they have a high value to society (I.E. not those who are too poor to afford healthcare in a non-nationalized society). This is because care will be rationed in either system by necessity.

      That last part about rationed care, by the way? That’s basically an iron law. There isn’t anything that anyone can do about that, and if someone tells you otherwise they are simply lying to your face or enormously stupid.

      1. Careful, if we tell this idiot that doctors’ salaries go up when the number of doctors declines, illustrating the role of self interest in professional choice and service pricing, he’s liable to just conclude we need to send doctors to work camps.

    14. Many are reporting this as some sort of indicators of collapse when it’s just the fact that insurers didn’t know how to price appropriately in this new marketplace.

      And those new prices are lower than they were before The Affordable Care Act, right?

    15. How then, does that constitute “Affordable Care?”

  11. http://www.bloomberg.com/politics/art…..ses-to-fix

    Obama admits there are some problems here. But the Republicans just refuse to fix them. If they were not such racists, they would have done something to keep a law with this many problems from becoming law.

    1. How would they fix them, pray tell?

      1. By stop being racists for one thing.

        1. *strokes chin*

          Makes sense

        2. I just KNEW Nancy should have let those empathetic Dem/progs read the dam thing before they passed it. But then of course it wouldn’t have passed if they weren’t counting on the ignorant masses to be fooled. So it really is performing as planned all along. Dam racist Dem’s, I blame the CBC.

          1. Are we talking about folks with large amounts of melanin or Canucks?

        3. racists gotta race it up

          progtards gotta progtard it up

    2. Look, you can’t just come up with a plan to manage 20% of the US economy and expect it to work the first time.

      But you definitely can expect it to work the second time! Or the third or fourth or fifth times….Trust us!

    3. Yeah, not one Republican voted for this steaming pile of shit, but it’s their fault for not fixing it.

      1. Scott Brown, please pick up the white, hypocritical, traitorous courtesy phone. Scott Brown.

        1. What are you talking about? Scott Brown never voted for Obamacare.

        2. Scott Brown was not even in office when it passed.
          http://www.healthreformvotes.org/cong…..6-111.2009

          1. I was mistaken…after searching I can’t remember the guy who flipped flopped…thought it was Brown. Will continue to search.

    4. Yeah, it’s totally not the Democrats fault for unilaterally passing a piece of shit bill with precisely zero input from the minority party (see what I did there?) while stomping all over any suggestions they might have had if they weren’t so busy giving each other a victory circle jerk.

      Lets saddle them with the blame now that 90% of America should be fully aware that it was passed with a 100% Democrat vote. (Along with Pelosi’s words, that will haunt her for the rest of her life, of ‘we need to pass it to find out what’s in it’. Yeah, that just exudes responsible governance.)

      There are some hyper partisan Democrats that might swallow that line, but most people are too busy being fucked by this law in particular to believe it. Nobody except the right wants repeal, while everyone else still seems to want the Unicorn they were promised of universally available cheap healthcare. A commodity which, like the unicorn, doesn’t exist anywhere.

      The most disheartening thing about the entire debacle is that the entire narrative seems focused on what fully nationalized regulatory scheme will be adopted, instead of look how shitty the results of a fully nationalized regulatory scheme are. Mouth breathers still swear that despite everyone being mandated by law to participate, this is still somehow not ‘single-payer healthcare’.

      1. Free shit isn’t free. Neither is freedom.

  12. “Obamacare is Failing”

    Sigh… Reason, here we go again. Paul Krugman says it is working, so there.

    “Hillary Clinton Doesn’t Want to Talk About It”

    Hillary doesn’t really want to talk about anything. She wants to be President so she can continue selling government favors to 3rd world dictators and US cronies, while hiding from the public as much as possible. It’s her turn, you sexist deplorables of the great right wing conspiracy.

    1. Also, Donald Trump is mean.

    2. She wants to be President so she can continue selling government favors to 3rd world dictators and US cronies

      Wow, there really isn’t any different between her and Trump.

      1. yes. Trump has never served in office and thus has never sold a government favor. Hillary in contrast has made her entire life’s work doing that.

      2. Sure there is. Trump says mean things.

        1. He called someone fat- publicly.

  13. Why isn’t The Donald making her talk about it?

    Perhaps he considers it a JV issue unlike fat beauty queens and has delegated this to his number two ?

    1. He’s now focusing on Bill’s illegitimate mulatto son. Give the Donald all the legitimate material in the world and he’ll go chasing some conspiracy thing.

      1. And somehow that got him the GOP presidential nomination.

      2. I’m eagerly awaiting his comments on 9/11. Don’t disappoint us, Donald!

  14. /tosses lots of paper down Memory Hole

    Obamacare? Never heard of it. All I see is market failure after market failure.

    1. The government really ought to do something about it.

  15. Why isn’t The Donald making her talk about it?

    Because he has all the impulse control of a six year old with a gut full of donuts.

    1. I am still undecided between useful idiot or willing conspirator.

      Either way the fact that the Donald is working for the Shrillary is, at this point, almost indisputable.

  16. Why would Hillary want to talk about it? Her opponent is a moron that can’t go two seconds without stepping on his own dick.

    It’s awesome that the Republican Party nominated a complete buffoon that’s utterly incapable of capitalizing on the most spectacular domestic policy fuck-up in recent memory. Otherwise the idea of government-run healthcare might be seriously discredited to most Americans.

    1. can’t go two seconds without stepping on his own dick

      This implies a level of flexibility that just doesn’t seem realistic in a 62 year old man.

      1. Have you seen the size of his hands?

        1. I honestly don’t know who started that, or who was the one that was supposed to have the small penis.

          1. I just thought it seemed relevant.

            1. That’s a comm misconception.

      2. Trump is 70 and Trump means “trump card” in German. Well Trumpf means that and that was their family surname.

    2. It’s awesome that the Republican Party nominated a complete buffoon that’s utterly incapable of capitalizing on the most spectacular domestic policy fuck-up in recent memory

      That is true but we can’t undo what happened in 2012. We can only go forward from here.

      As far as Hillary talking about it, she is not going to and the media isn’t going to make her. How does Trump make her talk about it? The same way he makes her talk about anything, by occupying the field and saying something that demands the media’s attention and forces them to change the narrative to what he wants.

      That is a good skill but it has its limits. The only way he could occupy the field here is to come out and say he wants to entirely repeal it. That would be great but I am not sure it would help him. Sadly, I don’t think the country wants to repeal this piece of crap. They just want it “fixed” like that is possible.

      1. He has said he is going to get rid of it and replace it with something GREAT!

        He has said what GREAT! is though but only that government will pay for it so maybe it’s Medicare for all.

    3. It’s awesome that the Republican Party nominated a complete buffoon that’s utterly incapable of capitalizing on the most spectacular domestic policy fuck-up in recent memory.

      Even more awesome: They did so in two consecutive Presidential elections.

      1. I am seeing a minimum of 8

    4. It’s awesome that the Republican Party nominated a complete buffoon that’s utterly incapable of capitalizing on the most spectacular domestic policy fuck-up in recent memory.

      This implies that there are a lot of Republicans that actually oppose Obamacare…

  17. It’s as if Dr Frankenstein had created his monster in reaction to humans no reproducing, a la market failure.

    The market would work just fine if they’d just leave it the fuck alone. But no, they create one restriction after another for one crony after another, and wonder why it doesn’t work one time after another, and can never get it through their thick fucking skulls that their collective wisdom and experience is miniscule compared to 300M highly motivated individuals.

    I really really hate statists and States. They really really suck. What makes me maddest, right up there with Radley Balko’s nutpunches, is to think how much innovation and progress they have held back with their suffocating stifling nanny regs. We could have a society far beyond their wildest dreams, in terms of flying cars, equality, freedom, and social peace, if they would just get the fuck out of the way.

    1. The naivete of “the market works just fine if you let it” is flabbergasting. Let’s go back to snake-oil hawkers and Enrons and housing market collapses. This idea is usually put forth by people who have little to no understanding of economics beyond the 8th grade level.

      1. The market does work, but it doesn’t work for free and it doesn’t work when the government is stifling it.

      2. So you telling me that the collective wisdom of the entire country cannot prevent markets from fluctuating and having downturns, but somehow the government can.

        You do realize how stupid you sound right? And of course don’t let the fact that every government managed economy in the history of the world has resulted in nothing but disaster and poverty. But hey it will be different this time.

        1. But, but, the NHS! Never mind the lines or the scandals that make the VA look good.

          1. Venezuela would be awesome if it weren’t for the racist House Republicans and Boooosshhh ruining their country too because racism.

            Submissivefemale isn’t even a good AmSoc replacement.

      3. “housing market collapses”

        I don’t think the free market caused the housing bubble.

        1. No, you see, there wasn’t enough government involvement in the housing market. What with regulations guaranteeing houses to people who couldn’t afford to pay for them and all.

        2. Silly rabbit. You think housing is free market.

          I would place housing and mortgages in America in the top 10 most regulated industries in the USA.

          Just like banking but you liars just will not blame government for any failings, will you?

        3. and fucking Enron? Didn’t it run local utilities?

      4. The naivete of “markets aren’t perfect but government is” is flabbergasting. Let’s go back to Enron-style and housing bubble government-induced scandals. This idea is usually put forth by people who have little to no awareness of any history.

        (Hint: research the 1907 panic and its causes and after effects for an eye-opening education.)

      5. Let’s go back to snake-oil hawkers

        I have had a little theory for awhile that progs and liberals are the types of consumers most likely to be swindled, so they look to government for someone to rescue them from their gullibility. Hmmm, this guy looks good…he promises to punish all of the con-artists and he has a nice suit and an official title, surely I can trust him, all I have to do is check a little box on a piece of paper? Wow, this is so great…I’ll never be fooled again!

      6. Do you truly think that the housing bubble came into being in a free market ?

        If so that only means you have no idea what a free market is.

        Any market where the government forces you to sell or lend to someone based on skin color or street address and not by willful choice isn’t a free market by any sane definition.

      7. alphadogg|10.3.16 @ 3:54PM|#
        “The naivete of “the market works just fine if you let it” is flabbergasting.”

        The stupidity of lefty twits is beyond “flabbergasting”. Let’s go back to price controls and economic collapse under central planning.
        Your idea is usually put forth by ignoramuses who didn’t understand 8th grad econ.

    2. There are going to be SO many Dunham nude scenes, you guys.

      I notice Tony and AmSoc are strategically aware enough not to tread into OCare threads

  18. Clinton has the worst luck!

    Over and over again scandals pop up wherever she’s been.

    You just have to feel sorry for her always being forced to deal with these widespready problems.

    1. Great right wing conspiracy. I have a feeling it’s going to continue unabated for the next 4 years.

    2. “Fast-forward several years, and GM-Uzbekistan is now embroiled in a massive scandal, reportedly facing charges of fraud, money laundering, and embezzlement, a legal case that has reached high-ranking government officials in the country”

      I look for certain key people in Uzbekistan to start disappearing in very mysterious circumstances, and then for this all to just go away.

      1. a legal case that has reached high-ranking government officials in the country

        What a novel concept.

    3. You mean, a business enterprise that was founded on fraud, money laundering, and embezzlement is plagued with fraud, money laundering, and embezzlement?

      Stop the presses. Oh, no need . . . .

    4. She seems to be pretty lucky keeping this tamped down. If he was still a Republican his would be a household name by now.

      http://canadafreepress.com/art…..ng-exposed

      David Brock has 7 non-profits, 3 Super PACs, one 527-committee, one LLC, one joint fundraising committee, and one unregistered solicitor crammed into his office in Washington DC.

      1. Surely in that group there is one lawyer working on the patent application for the interdimensional access point he’s created to house all those groups. Or will it be his tribute to Hillary when she is elected?

      2. The best part is the way his little bundle of entities passes money around, skimming commissions every time it changes hands.

  19. Of course, Trump is so much better on healthcare.

    1. You tu quoqed again. It’s funny how before the shit hit the fan, you were quite likely falling over yourself trying to promote it’s passage and now that it’s revealed for what it is, you fall back on arguing that some other guy’s healthcare plan that doesn’t exist in any meaningful sense, is soooo much worse.

    2. Trump was not in government and had zero power to pass legislation.

      We can talk about what trump’s health care plan is after he wins Nov 2016.

  20. So what? Trump called someone a fatty!!!1!1!

  21. As Byron York reports today, Hillary Clinton, the Democratic nominee for president and the standard bearer not only for her party but for defense of the health care law, has mentioned Obamacare just once in the course of sixteen speeches delivered over the last month

    CNN had televised a speech of hers today where she said something like 80% of healthcare insurance is controlled by three companies, and she will do her best to bust those monopolies. Feel free to report more on that, or feel free not to, your choice.

    1. It is almost like Obamacare was designed as a payoff to a few big insurance companies or something. Who could have seen that coming?

      1. Who could have seen that coming?

        The insurance companies, no doubt. But the joke’s on them; they were snookered too.

        1. If Hillary wins, they will get bailed out. They are too big to fail

          Unless you believe that the plan was to destroy the health insurance market to make way for single payer.

          Its a Bingo!

          1. I’d like to see them pull the rabbit out of the hat with financing single payer. The Dems are going to have to tread lightly or their house of cards is going to tumble down in the next few years. I think the slow interest rate rise is indicative of the corporate knowledge that debt is going to be a huge issue shortly.

  22. I value the lives of my fellow Americans…making it profit-based is unethical.

    I realize it’s utterly pointless, but-

    Without those dreaded “profits” the system will run out of money, and then nobody will have coverage.

    1. Well, that’s why we should make the government give it to everybody for free.

    2. No, it’s common knowledge that all great medical innovations as well as risk-pooling insurance options were created purely for rainbows and unicorn farts before the monopoly man invented money and the dark age of capitalism began.

  23. she will do her best to bust those monopolies.

    It’s almost as if there are massive incentives for consolidation in the financial services industry. I wonder what they might be, and where they come from.

  24. So, I’m a small business owner and I now have employees. I looked into buying small group healthcare from Kaiser.

    My rates would be higher than my current individual market plan, so I called the sales guy who gave me the dope:

    My plan is grandfathered and thus a good plan as it was a “very popular plan.” For a Bronze HSA plan with them for small group, I could save some money by the deductible would soar from $1500 to $4500.

    OK, how about my employees?

    He told me that they could sign up for this awesome $4,500 deductible plan for a $250 a month or so, if I offered it…BUT

    But, he suggested they check out Covered California as they might get it cheaper there, if they get a subsidy.

    Sure enough, employee checked it and could buy the same plan for $250 per month, but with a $215 subsidy and only pay $36 / month.

    Salesman told me I could NOT just pay the $36 to the employee. That’s illegal.

    So, instead, I will be giving my employees some annual bonus or something that they could then choose to buy healthcare insurance or not.

    If I had more employees I probably wouldn’t dare do this, but you can see just how much that subsidy is costing someone.

    BTW, this employee is having fun learning about how all their other benefits are being taken away because they now make $40,000 plus. He was used to Medi-Cal so wasn’t happy to hear about $80 doctor payments up to $4,500.

    1. So, the employee doesn’t view this as a good deal if I pay for it. They also don’t view it as a good deal if they pay for it, but $36 thanks to Obama seems okay.

  25. Obamacare individual exchange collapsing in Minnesota?

    How can that be?

    Minnesota is a Medicaid expansion state.

    I live in Tennessee and the reports about it failing there bring out the lefty posters on the local newspaper’s web site who blame it all on the GOP controlled legislature’s refusal to expand Medicaid. They claim Obamacare is doing fine and dandy in the states that did so.

    I guess they’ll have to gin up some new lame excuse for how all the failures in state after state is really the fault of Republicans.

  26. RE: Obamacare is Failing?and Hillary Clinton Doesn’t Want to Talk About It
    Another state health insurance regulator warns of impending collapse in the individual market.

    Oh yea of little faith!
    Once Comrade Hillary is make Premier of the Union of Soviet Socialist Slave States of Amerika, you can bet she will be free and easy with other people’s money to keep Obamacare afloat.
    After all, the best way to control the masses is through healthcare.
    She learned that lesson well while at one of the finest re-education camps in our beloved socialist slave state, Wellesley. (SP)

  27. Its like Libertarians are fortune tellers- being able to predict this kind of social program failure.

    Pick a cool outfit and crystal ball because the future holds a bunch more predictable horrors for progs soon.

  28. My employer recently announced an HSA option for next year.

    I ran the math, its a slight improvement. Mostly due to them kicking in a nice chunk to the account each year.

    As I like HSA plans, I will be switching.

    1. Some employers are going HSA-only.

      Its back to the future – HSAs are basically catastrophic-care plans. Which were supposed to be on the ash-heap of history, because first-dollar coverage for testing asymptomatic people was going to both (a) cut costs and (b) increase health. All the Top Men said so.

  29. “Meanwhile, Andrew Slavitt, the acting administrator for the Centers for Medicare and Medicaid Services, which overseas the law”

    Wishful thinking? Hell, I agree. Overseas the law and let the goddamned EU deal with the sumbitch.

  30. Reason! Come on, I come to you for a differing take on society at large. But if you’re not going to take the time to do some basic editing a high school 10th grader could handle… I literally cannot read or trust an article with these kinds of mistakes.

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