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Health Insurance Deductibles Up 212 Percent Since 2008: Reason Roundup

Plus: Kavanaugh confirmation is official and child care tax credits backfire.

Ingram Publishing/NewscomIngram Publishing/NewscomA new report on employer-sponsored health insurance plans find that over the past decade, deductibles for these plans have risen 212 percent, from an average of $303 per year in 2008 to an average of $1,350 now.

Health insurance deductibles have increased "eight times faster than wage growth" in the U.S. and "12 times faster than inflation," Vox's Sarah Kliff points out. "What this means is that...there is a growing number of Americans who have to spend more than $1,000 on medical bills before their health insurance coverage kicks in."

"Over the same time period that we've seen deductibles skyrocketing, we've also seen support for a national health care plan slowly rising," writes Kliff. "To me, that doesn't seem to be a coincidence."

But apparently it is just a coincidence—or at least an element not worth mentioning—that this huge increase in health insurance deductibles has coincided with a huge increase in federal involvement in the health insurance marketplace. Nowhere does the Vox article so much as mention the Affordable Care Act and the role it might have played in rising costs. Instead it presents the rise as some sort of untraceable mystery—and one that points to the need for greater government management of health care.

The data here come from the Kaiser Family Foundation, which surveyed 2,160 non-federal public and private companies. Since 2013, "the average annual deductible among all covered workers has increased 53%," its report states. "Forty-two percent of covered workers in small firms and 20% of covered workers in large firms are in a plan with a deductible of at least $2,000 for single coverage."

Premiums for employer-provided health plans are also up. The average in 2018 was $19,616 for family coverage, up five percent from the year before, and $6,896 for individual plans, up three percent over 2017.

In the past 5 years, premiums for family coverage have risen 20 percent. They're up 55 percent since 2008. Yet these insurance premium increases actually pale in comparison to those from the first part of this century.

From 2000 to 2006, family premiums went up 78 percent while workers' wages rose just 20 percent. From 2012 through 2018, they were up 25 percent while workers' wages rose 14 percent.

"While premium growth continues to exceed increases in earnings and inflation, the differences are small compared to recent periods," notes the Kaiser report. But the same cannot be said about increases in deductibles, which have seen a much more dramatic uptick as of late.

"The average deductible for single coverage among all workers increased 53% since 2013," Kaiser reports.

Researchers also asked about what will happen in 2019, when the repeal of the Obamacare "individual mandate" penalizing people who don't have health insurance coverage will take effect. "Nine percent of small firms and 24% of large firms report that they expect fewer employees and dependents to participate in their health plans as result of the change. Additionally, 5% of small firms and 10% of large firms said that they expect to change the benefit options for at least some employees as a result of the change."

FREE MINDS

Justice Kavanaugh it is. After all the drama, Brett Kavanaugh was narrowly confirmed over the weekend as America's next new Supreme Court justice, by a 50–48 vote. The response has been a predictable mix of cruel and vulgar gloating from GOP corners and "grab your coat-hangers (and give us your money)!" hyperbole from Democrats.

And things are only primed to get so, so, so much worse post-midterms...

But hey, at least our long national nightmare of not knowing where Taylor Swift stands on politics is over.

FREE MARKETS

When "unintended consequences" are utterly predictable...

QUICK HITS

Photo Credit: Ingram Publishing/Newscom

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  • Fist of Etiquette||

    On Columbus Day? Racist against Italians much?

  • ||

    Hello.

    I'm sure Palin will be around to explain to you all it had nothing to do with the ACA.

  • damikesc||

    "The average deductible for single coverage among all workers increased 53% since 2013," Kaiser reports.

    You missed this, it seems.

  • damikesc||

    So, ACA didn't bend the price curve at all. Glorious to know. And MY family plan has gone up significantly since the empty suit jackass' abysmal health bill.

  • loveconstitution1789||

    Buttplugger things Trillion dollar deficits to pay for WelfareCare would solve the problem that free market healthcare solved decades ago.

  • Vernon Depner||

    the problem that free market healthcare solved decades ago.

    What problem is that?

  • DesigNate||

    My family plan went up so much I had to chose between it and rent.

    Guess which one won out.

  • Tom Bombadil||

    You went to a Broadway Musical?

  • DesigNate||

    Pot and Mexican Ass Sex. Get it right, gahd!

  • Sevo||

    He misses most everything and lies about the rest

  • ||

    Ta-da!

    /Vaudeville dance.

  • gimmeasammich||

    Pretty sure he owns his own business or something along those lines. I've seen you post for enough years here I would have figured you would have picked up on that from the many times he's talked about it.

  • ||

    Yup. Own my own business. As did me paps. We've paid our 'fair share' of taxes into the system.

  • loveconstitution1789||

    I breath this clean American air yet I want the EPA rolled back to a tiny agency.

    IM A HYPOCRITE!

  • loveconstitution1789||

    We like Rufus on here.

    Nobody likes YOU being on here Buttplugger. Except your sock puppets like you.

  • ||

    /wipes tear.

  • BestUsedCarSales||

    If Rufus was such a good guy, why doesn't he send us packages of All-Dressed Chips?

  • Gaear Grimsrud||

    Shit, I have to drive to Michigan to buy Molson's and pay a fucking bottle deposit I'll never redeem.

  • Pro Libertate||

    Happy Thanksgiving!

  • ||

    Pro has class!

  • Fist of Etiquette||

    The response has been a predictable mix of cruel and vulgar gloating from GOP corners and "grab your coat-hangers (and give us your money)!" hyperbole from Democrats.

    Both sides exclaiming, "Gonna have your uteri in chains soon!"

  • Tom Bombadil||

    "The response has been a predictable mix of cruel and vulgar gloating from GOP corners"

    Example, please.

  • Rich||

    Cruel, vulgar, and *subtle*.

  • Tom Bombadil||

    Subtle vulgarities really chap my ass.

  • Rich||

    Subtle vulgarities

    Nice album name.

  • Tom Bombadil||

    Downright awesome.

    Now, who would be the best band to match with that album name (Besides Frank Zappa)?

  • Vernon Depner||

    The B52s

  • Longtorso, Johnny||

    Update: Doxxer Jackson Cosko Who Leaked Personal Info of GOP Lawmakers Online Is Being Paid by Outside Liberal Group
    Accused doxxer 27-year-old Jackson Cosko threatened to leak Republican Senators' children's health information if any witnesses dared go to the authorities about his criminal activities.

    But now there are questions about his employment status. Julie Gunlock at American Greatness suggests Cosko is being paid as a fellow from an outside liberal group.

    While she claims Cosko was an "unpaid intern" in her office, the Washington Post reports that Cosko was actually a "fellow." This was confirmed by Cosko's lawyer, who said his client was a "fellow" in Jackson-Lee's office and that he was being paid by an "outside institution."

    What "outside institution" paid for Cosko's fellowship? Did that entity know about his illegal activities? What other fellowships does this "outside organization" pay for? What other House or Senate offices are hosting fellows paid by this organization?

  • Don't look at me!||

    How does one apply for these positions?
    Asking for a friend.

  • Vernon Depner||

    You have to apply through a temp agency and then work part time on call without benefits for two years before being considered for a full time regular position.

  • Tom Bombadil||

    Now he's preparing to pay his debt to society.

  • Longtobefree||

    I demand an FBI investigation!

  • Fist of Etiquette||

    And things are only primed to get so, so, so much worse post-midterms...

    Let's get some of that sweet, sweet, policy-free horse race reporting!

  • Don't look at me!||

    Again, examples please.

  • Conchfritters||

    I like Ice Cream in the 4th race.

  • C. S. P. Schofield||

    Ice cream! Tootsi fruitsi ice cream!

  • Longtorso, Johnny||

    BOMBSHELL: audit of global warming data finds it riddled with errors
    HadCRUT4 is the primary global temperature dataset used by the Intergovernmental Panel on Climate Change (IPCC) to make its dramatic claims about "man-made global warming". It's also the dataset at the center of "ClimateGate" from 2009, managed by the Climate Research Unit (CRU) at East Anglia University.

    The audit finds more than 70 areas of concern about data quality and accuracy.

    But according to an analysis by Australian researcher John McLean it's far too sloppy to be taken seriously even by climate scientists, let alone a body as influential as the IPCC or by the governments of the world.

  • Rich||

    "Too sloppy even for climate scientists" is the new "Good enough for government work".

  • Drave Robber||

    Is 'Too Sloppy For Climate Scientists' a track from 'Subtle Vulgarities' (see above)?

  • Tom Bombadil||

    Yeah, it's the B-side to "Frack me long time".

  • Longtorso, Johnny||

  • Don't look at me!||

    Yes, let's make politics the central part of our lives.

  • Longtorso, Johnny||

    Give me what I want or you don't get a moment's peace. Wouldn't that qualify as an abusive relationship in other contexts?

  • Longtobefree||

    It would qualify for a self-defense claim - - - - - - - -

  • DesigNate||

    Yes, yes it would.

  • Longtorso, Johnny||

  • Longtorso, Johnny||

  • Tom Bombadil||

    This guy is going to get his ass kicked in prison.

  • Leo Kovalensky II||

    "Kicked" may not be the right word.

  • MatthewSlyfield||

    Or at least not the only word.

  • Tom Bombadil||

    If it involves salad tossing, he won't be complaining.

  • Leo Kovalensky II||

    It will be much closer to simulating the conception than the abortion.

  • MatthewSlyfield||


    "I meant to kick her phone," he says.

    Dude, she was holding it, that isn't going to help you any.

  • Leo Kovalensky II||

    Who keeps her phone in her uterus?

  • AlmightyJB||

    Girls in prison?

  • damikesc||

    Maybe I'm missing it --- but I don't see a lot of right-wingers demanding people shun their families for not thinking like they do.

    Must be the added tolerance of the Left in play.

  • Don't look at me!||

    Science!

  • DesigNate||

    I'm sure chemjeff or Tony will be along to tell us how the right is worse than the left.*

    *SLD: Fuck them both.

  • BestUsedCarSales||

    I do see people calling for civil war here pretty often. To be fair, that's true of both sides.

  • Tom Bombadil||

    I don't see people here calling for civil war. I see people here predicting civil war if the Left goes violent. There is a huge difference,.

  • BestUsedCarSales||

    Less so here, but I have seen it stated as closer to necessity than just inevitable even here. In the broader space I see it even more often.

    The idea of the nation breaking up in someway actually doesn't bother me much. I don't actually have special belief that the Union must continue beyond all other factors. The ones I find interesting are those who are almost itching for it.

    Purely anecdotal though. But thought I'd throw out that observation as well.

  • Vernon Depner||

    demanding people shun their families for not thinking like they do.

    That's part of the psychologists' definition of a cult.

  • sarcasmic||

    "What this means is that...there is a growing number of Americans who have to spend more than $1,000 on medical bills before their health insurance coverage kicks in."

    Wouldn't that be nice.

  • Cyto||

    Seriously, I dropped out of my $13,500 deductible family plan to join a Christian healthcare exchange with a deductible of $5k. My premiums dropped from $2,200 per month to $500 per month.

    But it doesn't cover me for out of wedlock pregnancies or drug addiction. So there is that.

  • Don't look at me!||

    I was all interested until the last bit. Bitterly disappointed.

  • sarcasmic||

    I've got the best plan my employer offers. It costs the same as the old policy that paid for stuff. If I had $500 a month in expenses, I'd reach the deductible at the end of the year.

  • loveconstitution1789||

    Your rates would be even cheaper if you get into a catastophic health insurance plan and pay cash for all your family medical needs.

    As it stands you could spend $6000 per year and you would be breaking even on what you are paying now.

    Plus, HSA's can be pretax if made via payroll deduction. Saving taxes AND saving for family medical needs.

  • chipper me timbers||

    most of those are just grandfathered plans. The high deductible plans that are legal under Ocare are not very high deductible.

  • DesigNate||

    Everywhere I've looked at catastrophic I've been told you have to be 26 and under. Do you know of anyone offering those for everyone else?

    Also, it'd be nice if every bank offered an HSA.

  • Overt||

    I'm over 40 and use an employer sponsored HSA.

  • sarcasmic||

    ditto

  • DesigNate||

    I work for a mom & pop engineering firm. I would love it if they would at least offer me that.

    Looking at heading out on my own, but that won't really solve the health insurance/hsa problem.

  • loveconstitution1789||

    You can open an HSA on your own at many financial institutions.

    Some HSA plans are tied to high deductible health insurance and some are not.

  • Conchfritters||

    Literally Hitler.

  • loveconstitution1789||

    Kaiser offers catastrophic plans. It says under 30 or 'hardship exemption'. Other health insurance companies offer similar plans.

    My catastrophic plan was never changed when ObamaCare came out, so I didnt need a 'hardship exemption'.

    These catastrophic plans offer a few doctor visits and preventive care as covered. My plan does not even have that, since I dont want the insurance to cover anything unless I have a serious medical problem. My plan ends up being cheaper because of it.

    ObamaCare fucked up the whole health insurance market.

  • Tom Bombadil||

    Well, Obama did promise "If you like your plan...".

  • sarcasmic||

    Well, Obama did promise "If you like your plan...".

    Except that you didn't really like it, because government knows better.

  • DesigNate||

    Thanks!

  • Vernon Depner||

    Also, it'd be nice if every bank offered an HSA.

    It seems like very few do. I had a hard time finding one when I opened my HSA.

  • Overt||

    On the one hand, I feel like we SHOULD be paying more deductibles. The biggest problem with healthcare is that no one is price conscious. They are like Homer at the all you can eat buffet, gorging on all the food, because it's gonna cost the same no matter what.

    On the other hand, I am happy to see that people are figuring out that the government couldn't fix their healthcare with all the Top Men working together.

    On the third, mutant other hand, it sucks that people will take exactly the wrong lesson from this and demand single payer.

  • Shirley Knott||

    The primary reason no one is price conscious is that prices are invisible and, generally, impossible to determine up front.
    Compound this with the fairly uniform pricing that exists in any given region and even knowing the price won't help because there is no price competition.

  • Overt||

    Agreed. Which is why I said we should be paying more deductibles. If we were, then we would be getting more cost conscious. Instead, 90% of the country never has to look at a price because they don't care about the price.

  • sarcasmic||

    You can't get the price even if you wanted it. It is literally impossible, because no one knows.

    I've tried and tried, and the answer I always get is "We'll find out after we bill the insurance."

  • Vernon Depner||

    If you don't have insurance and are paying cash, you will definitely be given the price up front because, unless it's a dire emergency, you will have to pay in advance. Been there.

  • sarcasmic||

    That hasn't been my experience.

  • Gaear Grimsrud||

    'I've tried and tried, and the answer I always get is "We'll find out after we bill the insurance."'
    Same here. And deciphering the billing, always from multiple parties, pretty much requires an accounting degree and a law degree. I'm convinced that fraudulent billing is built into the system and that all parties are on board with it except the patient.

  • Leo Kovalensky II||

    The biggest problem with healthcare is that no one is price conscious. They are like Homer at the all you can eat buffet, gorging on all the food

    The second biggest problem with healthcare is that Americans are also literally like Homer gorging on all the food...

  • loveconstitution1789||

    The Lefties design government health mandates to hide actual pricing of health care.

    This was designed to remove market pricing and price signals from American's decision making with regard to healthcare.

    All current Lefty plans relating to healthcare and health insurance is designed to knock private health insurance and health professional out of our market or drive up costs so high that government can swoop in and take over.

  • sarcasmic||

    The Lefties design government health mandates to hide actual pricing of health care.

    This was designed to remove market pricing and price signals from American's decision making with regard to healthcare.

    You give them too much credit. I think it's more likely an unintended consequence.

  • Leo Kovalensky II||

    I'm not sure that either party wants to move the needle on healthcare, especially after the last two fiascos (Obamacare and Medicare Part D).

    I suspect much like the Republicans like campaigning on repealing Obamacare more than actually repealing Obamacare, the Democrats like campaigning on single-payer more than they like having to actually vote for it.

  • damikesc||

    I thought the benefits began a few years earlier. You know, the old "Get the 'good' stuff upfront and then nail people on the back end" thing.

  • NotAnotherSkippy||

    Yeah, requiring extendes coverage and mandatory issue doesn't have mich impact at all.

    But at least you're not pretending that you're opposed to welfare in your continued defense of barrycare.

  • Fist of Etiquette||

    But hey, at least our long national nightmare of not knowing where Taylor Swift stands on politics is over.

    Will Blackburn get a song written about him like all of the other men who've done T-Swizzle wrong?

  • damikesc||

    She is voting for a Kavanaugh supporter?

  • ThomasD||

    Don't be silly. She has people for that.

  • Fist of Etiquette||

    Um, her.

  • Longtorso, Johnny||

    #MBGA

    Jair Bolsonaro wins Brazil vote but not outright victory
    Progressive Brazilians, sickened by the of a pro-torture politician whose supporters and close relatives have a penchant for wearing clothes emblazoned with images of assault rifles and handguns, are not convinced.

  • Rich||

    Across the US, more cities ditch Columbus Day to honor those who really discovered America

    And who would *those* be, exactly?

  • H. Farnham||

    Leif Erikson and the Norsemen of course. It's much more PC because Viking raiders only slaughtered other white people.

  • Don't look at me!||

    Until they discovered America.

  • Rich||

    ZING!!

  • Longtobefree||

    Game, set, match.

  • Tom Bombadil||

    Mongolians

  • C. S. P. Schofield||

    Except that the oldest human remains found in the continental U.S. may be caucasian. Hard to be sure, since (as I recall) Native activists demanded they be turned over to Native control when the possibility became public...under a new policy put in place to return control of their ancestors' remains to Native peoples.

    The Politically Indian-American types REALLY don't want any inconvenient facts to muddle up their 'we have always bee here and you White Folks are invaders' narrative.

  • Longtobefree||

    Explain, in detail, with credible cited sources, how peoples who came onto the North American continent from Asia, are "Native peoples".

    https://en.wikipedia.org/wiki/Beringia

  • MatthewSlyfield||

    They weren't, but their descendants were.

  • ThomasD||

    Yep, we are all native Americans. Which is why on many of the reservations they insist on being called Indians.

  • Zeb||

    Then there are no native peoples except in some very small part of Africa.

    "Indigenous" is a better word to use, I think. An indigenous culture is one with no cultural memory of being anywhere else. I just made that up, but I think it's a decent definition.

    In any case, it's ridiculous to talk about this as if who your ancestors were, all by itself, gives you any special rights or claims to a piece of territory.

    And no one thinks that Columbus literally discovered America or the New World. These arguments are always silly. Columbus's voyages, whatever you might think of them morally, are highly significant historically. That's why it gets a day to commemorate it. You don't have to think Columbus was a saint to recognize the importance of historical events.

  • Tom Bombadil||

    Yeah, but if those caucasians ended up getting extinctified, they don't count.

  • C. S. P. Schofield||

    I don't think that's an argument that should appeal to the Native American activist types. It might anyway, but it shouldn't, since the obvious answer to them then would be "Well, we screwed up by not exterminating you, so let's fix that."

  • Fist of Etiquette||

    A group of international scientists are sounding the alarm that climate change's tragedies could come sooner than anticipated.

    Backed up with air-tight computer models, one would hope.

  • Longtorso, Johnny||

    No time to think, we must institute socialism Right Now.

  • ThomasD||

    If we play our cards right we can all be sent to the same re-education camp.

    Pretty sure we'll see Suderman there. But not on our side of the razor wire.

  • Don't look at me!||

    All due to Russian hacking.

  • Longtobefree||

    Programmer's rule number one: The computer does not care.

    (sorry, Gibbs)

  • NotAnotherSkippy||

    Then how does it know whom to believe?

  • Fist of Etiquette||

    Ross Ulbrict's mom, Lyn, speaks to libertarian podcaster Tatiana Moroz on the five-year anniversary of her son's incarceration.

    While Chuck Schumer roams the earth free.

  • ||

    Did that cunt judge get cancer yet?

  • Old Mexican - Mostly Harmless||

    A group of international scientists are sounding the alarm that climate change's tragedies could come sooner than anticipated.


    "Just wait for them tragedies! You'll see! You'll see! We'll have the last laugh, you bunch of incredulous peasants!" said the group while being escorted to their nicely padded room.

    Several groups of' scientists' have sounded the same alarm for decades, always moving the Day Of Reckoning back when their prophecies don't pan out.

  • Rich||

    "Hey! As the decades roll on we get more data!"

  • What's that smell?||

    I'm old enough to remember the hysterical certainty of the coming ice age predictions of the 1970's. Some "scientists" insisted that by the year 2000 most of North America would be frozen tundra. I guess I missed it.

  • C. S. P. Schofield||

    And the irony is that there is some real evidence that that cooling regime may be happening now. Probably not extreme enough to start a new ice age, but a big Solar Minimum that may stretch to 2050.

  • Tom Bombadil||

    Is that the 2040 tragedy? Hot/cold/hot/cold. It's Climate Malaria!!

  • Conchfritters||

    Have you ever visited Minnesota?

  • ThomasD||

    Isn't most of North America already frozen tundra (and mountains, and prairies) at least part of the year?

  • Tom Bombadil||

    "A group of international scientists are sounding the alarm that climate change's tragedies could come sooner than anticipated."

    On the other hand, the tragedies may never come at all.

  • Rich||

    Are you sounding the alarm for *that* tragedy?

  • Tom Bombadil||

    No, I'm saying ManBearPig doesn't exist.

  • Longtorso, Johnny||

  • Longtorso, Johnny||

    When the administrative class says something is a fundamental human right, what they mean is that 6 figure salaries are a fundamental human right for the administrative class:

    The CD 'chart of the century' makes the rounds at the Federal Reserve
    Based on yesterday's BLS report for CPI price data through June, I've updated the chart with prices for the first six months of this year. During the period from January 1997 to June 2018, the CPI for All Items increased by 57.4% and the chart displays the relative price increases over that time period for 15 selected consumer goods and services, and for average hourly earnings (wages). Seven of those goods and services have increased more than average inflation, led by hospital services (+216%), college textbooks (+204%) and college tuition (+191%). Average wages have also increased more than average inflation since January 1997, by 84%, indicating an increase in real wages over the last several decades.

  • Fist of Etiquette||

    Oh, whadda ya know, that didn't work out like planned. Whoops!

    "Increased [child care tax] credit generosity may have the unintended effect of making child care less affordable for low-income families" https://t.co/JP65XCPSlj
    — vanessa brown calder (@vanessabcalder) October 7, 2018

    Yes, but we're prepared for that. We've lined up a fabulous type of gorilla that thrives on unaffordable daycare.

  • Longtorso, Johnny||

    Make more money available for X, and the cost of X goes up. If I said Ford would increase the price of its cars $10K if the government gave everyone $10K to spend on cars, everyone thinks since Ford is a Capitalist Oppressor that is obviously true. You are crazy and evil if you think every other provider would act the same way.

  • Ryan Frank||

    Although if I'm reading this correctly the correct comparison would be if Ford increased the price by $5k

    Still a market distortion but not really seeing how this would make child care less affordable - if half the tax credit is going to increased child care costs, that still means they are up the other half.

  • BestUsedCarSales||

    It's probably an issue where the poorest folk don't make enough money to take advantage of the tax credit anyway. Just a guess, didn't read any of this at all.

  • Tom Bombadil||

    Look who pops up when we start talking cars.

  • BestUsedCarSales||

    I'm the best at what I do. And what I do is super erotic.

  • Fist of Etiquette||

    Nowhere does the Vox article so much as mention the Affordable Care Act and the role it might have played in rising costs.

    Friggin' Trump.

  • loveconstitution1789||

    Health Insurance Deductibles Up 212 Percent Since 2008

    Go back to paying cash for minor medical needs and have catastrophic health insurance for heart attacks, cancer, etc.

    This would effectively end ObamaCare, most wasteful health insurance with high costs, Medicare, and Medicaid.

  • Don't look at me!||

    Right on.

  • Tom Bombadil||

    If Deductibles have gone up 212 percent, Premiums really should have dropped. Ha ha ha ha.

  • ShotgunJimbo||

    +1

    While the healthcare system in general would benefit from some reform (not necessarily gov reform, but something in terms of price transparency and responsible utilization of a finite resource) this is the most logical route to go.

    Affordable catastrophic insurance. Expand the HSA limits to allow bigger contributions. Funnel your premiums you saved on there. No better tax protected account out there that you can treat as another 401k if you don't use it.

    Then seriously reduce medicare and medicaid spending, who is eligible for it; huge cuts are needed as the current level is not sustainable.

  • Overt||

    Add to that if everyone has HSAs, it gets pretty easy to provide for the most needy. The poor can get healthcare dollars deposited directly into their HSA, and use that to pay premiums.

    The danger here, of course, is if the US starts trying to pay this money for the middle class. I am grudgingly willing to give some money to support the truly unfortunate. But taking money from the middle class to give right back to the middle class will cause the same price distortions that we are seeing in college tuition.

  • LynchPin1477||

    I basically have a catastrophic plan (very high deductible), and I'd be OK with that in a properly functioning health insurance market because I'm young and healthy.

    The problem is that I have a catastrophic plan in a marketplace where a lot of other people have plans that cover every little thing. That makes every little thing cost more but leaves me footing the bill. It's the worst of both worlds.

  • OpenBordersLiberal-tarian||

    Another great insight from Alexandria Ocasio-Cortez: It is well past time we eliminate the Electoral College, a shadow of slavery's power on America today that undermines our nation as a democratic republic.

    She's exactly right. Despite all the advantages Drumpf had in 2016 — Russian hacking, a biased media, the Comey letter — it's important to remember Hillary Clinton still won by 3 million votes. In fact, she got more votes than any white male candidate in history. We would not be living in this nightmarish combination of Nazi Germany and The Handmaid's Tale if not for the EC.

    #StillWithHer
    #LibertariansForOcasioCortez

  • Don't look at me!||

    Very good. One of your better works.

  • C. S. P. Schofield||

    The Electoral College was put in place to make sure that a Politician who got massive numbers of votes from a few Urban areas would also have to campaing in and appeal to the rural districts.

    And, low and behold, Her Shrillness campaigned to the Urban mass, antagonized the rural deplorables, and lost.

    Just as she was supposed to.

    Also, given the Democrat Party's long and notorious history of vote fraud, what evidence do we really have that she DID legitimately win the popular vote?

  • Marcus Aurelius||

    22 million uncounted illegals can't be wrong

  • loveconstitution1789||

    Even funnier is that California and NY think that they can change their voting rules to allow illegals to vote and that be it.

    The Constitution gives Congress the last say in how states decides who votes and who doesn't.

  • Paloma||

    She got 48% of the popular vote, which isn't exactly winning.

  • Longtobefree||

    Maybe you should just number your canned posts, and save space on the web?

  • Leo Kovalensky II||

    He starts with a couple of canned frameworks and then fills in the details Mad Lib style.

    Actually... someone should parody the parody, OpenBordersMadLib-atarian

  • ||

    Lol. Toronto Star.

    That's the on-going lame shtick among the left so it's not surprising a prog like you thinks this worthy of a link. Deflect from where the real danger lies and the fact that Canadians are concerned about it and go after the myth of the right-wing groups who are angels next to the violence perpetuated by jerk off left-wing groups. They're the ones constantly on the fricken streets blocking traffic and breaking windows.

  • OpenBordersLiberal-tarian||

    Wow, thanks for this terrifying but important information. It seems that Russia hacking our election and installing Drumpf is not only turning the US into Nazi Germany, but also having the same effect on Canada!

  • ||

    I don't mind he despises Trudeau. Many of us do.

  • Gaear Grimsrud||

    From NRO
    The conventional wisdom is that it is President Trump who is in political peril, with his approval rating stuck around 45 percent and with Special Counsel Robert Mueller nipping at his heels in the ongoing Russia investigation. But Trudeau's approval rating in the latest National Campaign Research Poll is down to 39 percent. His Liberal party trails the opposition Conservative party, led by Andrew Scheer, by 39 percent to 37 percent, with the next election due to be held no later than October 2019.

    A poll by the research firm Ipsos last month found that a majority of Canadians, 52 percent, said they were ready for a leader who would "break the rules" or otherwise represent an anti-establishment viewpoint.

    For Trudeau's Liberals, that's a warning flare. Indeed, Liberals have seen their support collapse in three consecutive provincial elections since June. In Ontario, New Brunswick, and Quebec, which together represent 65 percent of Canada's population, Liberal governments suffered disastrous defeats.

  • ||

    I think that's pretty accurate. That's why lefties like The Star and the CBC are going with the 'right-wing extremists are dangerous' narrative. A storm is brewing in Canada. With the election of the CAQ and now Bernier's People's Party, the Liberals are in trouble.

  • Don't look at me!||

    Warmonger buttplug.

  • OpenBordersLiberal-tarian||

    Drumpf despises all legitimate world leaders and only likes tyrants such as Putin, so that's not surprising. But here's the key sentence:

    RCMP Assistant Commissioner James Malizia told the Star that far-right groups in Canada have become more emboldened in recent years, as waves of populism have rolled over the United States and Europe.

    Of course I already knew Putin's Puppet has emboldened white nationalists in the US. But until now I wasn't aware he was also emboldening the Canadian alt-right. I guess it shouldn't be surprising though. Despite how wonderful Canada is, it definitely has its share of dangerous extremists like Lauren Southern.

  • C. S. P. Schofield||

    Trump despises the Western Liberal Establishment, and has many good reasons to do so. He plays nice with the likes of Putin and Kim-boy because he wants something from them. Note that he doesn't appease ( or at least appeases less then the Liberal Ineffectual Left), he just talks nice.

    As for the oft-repeated charge that he is starting a 'trade war'; it seems to me that he is acknowledging a trade war that already exists, and proposes to fight back.

  • loveconstitution1789||

    Lefties like Buttplugger think Trump hates average Canadians, when Trump really is against Socialists who are running Canada.

    Nobody is buying your lies anymore Buttplugger.

  • ||

    Pretty much that. He has a lot of fans up here.

  • ||

    presents new challenge for Canadian law enforcement agencies

    And unsurprisingly, the challenge is not about actual criminal activity, but instead it's about "hate" and a different political philosophy.

    Good job, Canada! Way to fight "Fascism" with an actual authoritarian state!

  • Fist of Etiquette||

    Additionally, 5% of small firms and 10% of large firms said that they expect to change the benefit options for at least some employees as a result of the change.

    Perhaps now that they can employers will go back to offering lesser benefit packages that everyone could afford.

  • DesigNate||

    Magic 8 ball says: The outcome is unlikely.

  • Rich||

    This year's Nobel Prize winners in economics have been announced.

    Meh. Stay tuned for the million-dollar prize to be awarded for proving the Riemann hypothesis.

  • Riesen||

    The guy was a member of Skull and Bones. Let the conspiracy theories begin!

  • Longtorso, Johnny||

  • Don't look at me!||

    Overstayed his visa?

  • Tom Bombadil||

    He's Chinese, so probably not.

  • Tom Bombadil||

    He's being "detained" and "investigated". Not sure if that is the same as arrested, but I don't think it rises to "kidnapping" yet.

  • loveconstitution1789||

    Its not called kidnapping in Communist nations.

  • Tom Bombadil||

    It's not called kidnapping in America either. 1000's of people are detained or arrested in America every day.

  • ThomasD||

    "It's not called kidnapping in America either."

    Pretty sure I saw that term used here when it was regarding juveniles present in the country illegally.

  • Longtorso, Johnny||

    Rep. Steve Scalise
    Rep. Steve Scalise Retweeted Fox News
    These vicious threats have to stop. This cannot be the new normal—there is absolutely no place for violence in our political discourse. Democratic leaders need to denounce this behavior.Rep. Steve Scalise added,

    @FoxNews
    .@SenCoryGardner reveals wife received graphic text of beheading after Kavanaugh vote https://fxn.ws/2y6zP2o

  • ||

    When will you learn? Conservatives/Repubs. are just as bad!

    "..The response has been a predictable mix of cruel and vulgar gloating from GOP corners and "grab your coat-hangers (and give us your money)!" hyperbole from Democrats."

    Maybe. But it's interesting how it's Republicans that are always held to a higher standard. The second they go off on people we get the standard, 'a-ha! Just as bad! See?!'

    It's like doctor files on Elaine on Seinfeld. Even a mild and justified defense mounted by her was seen as aggressive.

  • Tom Bombadil||

    Slightly OT, but once again for the record, I want to proclaim unequivocally that
    Christine Blase' Ford is a 100% liar. Most of the Senators fluffing her know it too.

  • ||

    Of course they know it.

    You can spot that toupee from 1.2 miles away.

  • ||

    I'm thankful for your omniscience.

  • Tom Bombadil||

    I'm a giver.

  • OpenBordersLiberal-tarian||

    Dr. Ford passed a lie detector test and asked for an FBI investigation. That's literally the opposite of what people do when they're lying.

    #BelieveWomen

  • Tom Bombadil||

    Awesome.

  • Echo Chamber||

    Time for her to take her rightful place as a footnote to history.

  • C. S. P. Schofield||

    Dr. Ford took a polygraph test that, by what I've read, was unusually unfocused. She is said to have coached somebody on how to beat such a test, and in any case the Polygraph is so unreliable that it's results are not admissable in American courts...which allow evidence of drug-sniffing dogs (which are notoriously bogus). Moreover, she declines to release the polygraph record or her therapist's note, when her testimony rests on both.

    She lied about being afraid to fly. Her account is not back up by people she claims were present. She scrubbed her Left-activist presence on social media before coming forward with her story.

    If she isn't a liar, she has gone to some lengths to look like one.

  • loveconstitution1789||

    It was clear multiple liars would present themselves when Kavanaugh sailed through regular confirmation hearings and a vote was imminent.

    If someone had a credible person who had a credible claim, it would have come out before a last minute Hail Mary.

  • Muzzled Woodchipper||

    This.

    The details lie in the timing.

  • Longtorso, Johnny||

    Palestinian Islamic terrorists take a Jewish woman hostage at her workplace, tie her up and shoot her in the head.

    The entire world calls it: Terrorist attack on Jewish people.

    CNN and NYT: "Workplace violence".

  • Don't look at me!||

    Cultural misunderstanding

  • Tom Bombadil||

    They were both at their place of work.

  • General_Tso||

    ...but Israelis are bad too!!1!

  • Sevo||

    ""Over the same time period that we've seen deductibles skyrocketing, we've also seen support for a national health care plan slowly rising," writes Kliff."

    "...a national health care plan..."
    Yes, that's code for 'free shit' as if when something gets expensive, the gov't can go put to the orchard, pick some Jacksons and, presto! FREE!

  • Don't look at me!||

    The road to prosperity is paved with TAXEZ!

  • ThomasD||

    And enslavement.

  • Longtorso, Johnny||

  • Don't look at me!||

    Then we are all truly guilty.

  • Longtobefree||

    Vox's Sarah Kliff points out. "What this means is that...there is a growing number of Americans who have to spend more than $1,000 on medical bills before their health insurance coverage kicks in."

    What that shows is that Vox's Sarah Kliff is an idiot incapable of rational thought or basic research.

    Health insurance 'kicks in' and covers major portions of office visits, drugs, hospital stays, diagnostic testing and lots of other goodies before anything gets applied against "the deductible".
    For my plan, an HMO, I have only paid $350.00 towards my deductible, yet the plan has already paid over $6,000 in benefits. (premiums not considered)

  • Tom Bombadil||

    I see a future where Soylent Green is just Soy Milk.

  • Marcus Aurelius||

    After a lawsuit from the dairy association regarding use of the word milk.

  • BestUsedCarSales||

    Damn it. I'm capable af. I can't believe how soon my SC dreams have been shattered. I'm glad I didn't even bother to go to Law School now.

  • Diane Reynolds (Paul.)||

    The United States deserves to be taken over by ISIS.

  • Vernon Depner||

    What's ISIS's health plan like?

  • chipper me timbers||

    "Everyone's favorite libertarian economist, Tyler Cowen"

    Uh.. wut? As someone who reads his blog regularly, "libertarian" is not how I would describe him. If he's considered a "libertarian" economist then we libertarians should give up. He's constantly supporting technocratic solutions. Constantly.

  • Sevo||

    (worth a re-post)

    Noted D stalwart Willie Brown's column:

    "Trump is right: Men are scared. He knows how to exploit their fear."
    [...]
    "I'm talking about men. Your husband, perhaps, or your brother or son.
    It's a "very scary time for young men" in America, Trump said at a rally last week. "My whole life I've heard you're innocent until proven guilty, but now you're guilty until proven innocent. That is a very, very difficult standard."
    [...]
    The slightest questioning of Christine Blasey Ford's testimony is tantamount to being a Trump supporter. Raising any point in Kavanaugh's defense is just as bad.
    [...]
    "When they go into the voting booth, with no one watching, there's a good chance they'll vote their fear. They won't be voting for Trump — they'll be voting to curtail the power of those they feel may be coming after them next."
    https://www.sfchronicle.com/bayarea/williesworld/
    article/Trump-is-right-Men-are-scared-He-knows-
    how-to-13286032.php

    Willie might be surprised about his last paragraph, but he's writing about SF, for pete's sake. If you've lost SF, well...

  • GoatOnABoat||

    But... but... They said we needed Obamacare to stop the rising costs of healthcare.

  • Tom Bombadil||

    Imagine how expensive it would be without the smartest President in the history of the world.

  • Cy||

    Just a friendly reminder to everyone that Trump was elected as the President of the United States. Kavanaugh was confirmed as a Supreme Court Justice and Team blue still hasn't figured out they live in a bunch of echo chambers.

  • OpenBordersLiberal-tarian||

    Orange Hitler was installed by Russian hacking (and Clinton still won by 3 million votes). But you'll know the meaning of the term "echo chamber" when you're shocked as Democrats win the House and Senate next month.

    #BlueTsunami

  • Tom Bombadil||

    By the way, when Trump wins 2020 primarily due to the huge swing in Black voting, I am claiming now, way in advance, that I coined the term: Black Wave.

  • OpenBordersLiberal-tarian||

    Assuming Mueller fails to kick him out of office in 2019 or 2020, what percentage of the black vote would you expect him to get against Kamala Harris or Corey Booker? I can't see anything higher than 5%.

  • Tom Bombadil||

    The blacker his opponent, the more he'll get.

  • Tom Bombadil||

    Pretty sure Booker comes from Sparta.

  • Dillinger||

    >>> Kamala Harris or Corey Booker?

    they black?

  • Tom Bombadil||

    Cracker, pleeease.

  • Dillinger||

    perspective. may be less obvious if they're standing on Rosecrans

  • Ken Shultz||

    Nothing confirms my biases like predicting that they will be confirmed in future elections. It has the added benefit of making me feel smart.

  • TuIpa||

    Explains why you've been doing it non-stop for months.

  • Ken Shultz||

    FWIW, 538 is now giving the Republicans a 1 in 4 chance of keeping control of the House, this week. Last week, before Kavanaugh was confirmed, the Republicans were only getting a 1 in 5 chance of keeping the House.

    They're forecasting that the Republicans have a 50% chance of gaining a seat in the senate, and the most likely outcome by far is that the Republicans maintain control of the senate.

    If Avenetti is the fashionable scapegoat in lefty circles to blame for Kavanaugh's confirmation, can they blame anybody but Dianne Feinstein for not taking the senate? She's running against another Democrat to keep her seat, too. It's not as if going after her will hurt their chances of having another Democrat in the senate from California.

    Feinstein has violated so many principles for so many years, not just lately but going back to the rubber stamping of Bush era policies, I'd love to see her pay with her seat. Her challenger may be as bad as she is on policy, but there's something to seeing bad politicians pay for their misbehavior with their seats--makes me feel like Carmelita Spats when she sniffs cake.

    https://www.youtube.com/watch?v=N4gFVfXcL-c

  • Nardz||

    She's China's gal.
    Her position is safe

  • BestUsedCarSales||

    Something should happen to Feinstein regardless. She has shown tremendously immoral action. And this Ford issue is obvious moral failing that is admitted openly by her.

    Either Ford was believable, and thus sitting on the claim for that long was an immoral prevention of justice. Or the story was not and there is no explanation of her behavior other than pure politics. Regardless of anything about Kavanaugh, Feinstein needs a reckoning.

  • ThomasD||

    I never believed Blasey Ford's accusations. But anyone who did, and yet sat on them for weeks, needs to pay a price.

  • Cynical Asshole||

    Kavanaugh confirmation is official

    So I take it that means we're living in The Handmaid's Tale now, right? In that case, how much for the women?

  • Ken Shultz||

    Wasn't The Handmaid's Tale written in reaction to election of Ronald Reagan with the support of the religious right?

    We've been living under imminent threat of The Handmaid's Tale since Reagan; you just don't realize it because you're part of the patriarchy.

  • Ken Shultz||

    https://www.youtube.com/watch?v=7EdGUEbnlvQ

    A lot of the best stuff from the 80s was written about Reagan. You didn't have to agree with it to enjoy it back then, but that's because the honest liberal wasn't yet extinct.

  • Vernon Depner||

    The author has said that Handmaid's Tale was inspired by the oppression of the East German people and the plight of women living under conservative Islam.

  • BestUsedCarSales||

    Still a shitty book.

  • Riesen||

    212%? Who did that math? (New - Old) / Old is the way to calculate the % change. (1350 - 303) / 303 is 346%.

  • Red Tony||

    The 2018 midterm election is officially a proxy war between Taylor Swift and Kanye West.

    Yo, Taylor! I'm really happy for you, I'mma let you finish, but Trump had one of the best political campaigns of all time! OF ALL TIME!

  • Tom Bombadil||

    I knew you were trouble when you walked in.

  • Dillinger||

    >>>A group of international scientists are sounding the alarm that climate change's tragedies could come sooner than anticipated.

    Chicken Little 2: The Sky is on Fire.

  • Diane Reynolds (Paul.)||

    Nowhere does the Vox article so much as mention the Affordable Care Act and the role it might have played in rising costs. Instead it presents the rise as some sort of untraceable mystery—and one that points to the need for greater government management of health care.

    Vox is a joke news source. Like the Onion.

  • Mike Laursen||

    Everyone's favorite libertarian economist, Tyler Cowen...

    Umm, that would be Russ Roberts.

    Maybe followed by Mike Munger. Cowen is too ten, though.

  • LynchPin1477||

    My deductible is $3000. It would be $7000 if my wife was also on the plan.

    I would like to know how the rate of increase under Obamacare compares to the rate of increase before. If they are comparable then you'd need to do more work to pin this on Obamacare. If they started going up faster under Obamacare, then you'd have the beginnings of an argument for causality.

  • damikesc||

    Hmm, with his first clerks...Kavanaugh has as many African-American clerks as RBG in her entire term

  • Tom Bombadil||

    Dem spin: He's got jungle fever.

  • Don't look at me!||

    Has he raped all of the yet, or just some of them?

  • John Thacker||

    Both conservative and liberal and libertarian health care policy wonks favor higher deductibles. They are intended by all, but unpopular with many in the public. You cannot judge it without looking at premia as well.

  • Tom Bombadil||

    Both three or all three?

  • ThomasD||

    "You cannot judge it without looking at premia as well."

    Even with that you also cannot judge it without some knowledge of just what is being consumed by the beneficiaries, and how much is actually being spent by both the insurer and the insured.

  • John Thacker||

    Any kind of public health care system has some kind of cost sharing certainly all the continental European plans and Asian plans, so I don't understand Kliff's point, or at least the article doesn't do anything to explain facts or put things into context.

  • ThomasD||

    If it is paying for routine expenses it's not really insurance.

    Rising deductible expenditures are a sign that people are becoming aware of what they are consuming. It is the first step towards making them better healthcare consumers.

  • BYODB||

    I told you this would happen at the time, but people act like it's such a surprise. Morons, all of them.

  • cheapmcmbelt||

    I agree!!! You can discuss with other side. That's how you learn and expand your view points.
    http://www.mkoutletfire.com/mi.....g-red.html

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