Monday, October 28, 2013

Given the multiple levels of failure of President Obama's Affordable Care Act, which is resulting in millions of Americans losing their current health insurance as they're being prevented from even being able to shop for it on the badly broken web site, a lot of Americans are likely asking themselves whether they even need health insurance. If you're among them, we've built a tool to help you answer that question.

First, we've refined our estimates of the probability that an individual might have a health condition serious enough to require admission to a hospital for treatment, which we've illustrated in the following chart.

Probability of Males Having Significant Health Problems Requiring Admission to a Hospital, by Age (Singapore 2011)

Although our mathematical model is based upon the rates of hospital admissions for the population of Singapore, we would expect that these values are close to what they would be for the U.S. population.
Just enter your data in our tool below, and we'll estimate the odds that you would need to be admitted to a hospital to treat a significant health condition.

If you're reading this article on a site that republishes our RSS news feed, click here to access a working version of this tool!

The trick is to use this information to assess whether it might make more sense for you to self-insure, which is what you would really be choosing to do by not acquiring health insurance. If that's you, we can recommend Sean Parnell's blog The Self-Pay Patient and also his list of useful resources. You'll have to decide what's an acceptable amount of risk of expenses for you to carry all on your own if you opt out of getting health insurance coverage in favor of this approach.

The good news, if you can call it that, is that you can always change your mind and pick up coverage in the next enrollment period, or if you qualify for Special Enrollment. Or you might consider a short term medical plan, which Hank Stern has identified as a possible way to get real health insurance coverage outside of the official enrollment periods for Obamacare.

Beyond that, there are certain conditions that should prompt you to acquire regular health insurance coverage outside of what the our tool's results might indicate, which would apply to a generic individual plucked at random from the entire population.
  • If you or a member of your household are going to have a baby, or plan to during the next calendar year, your child's delivery will very likely take place in hospital facilities. According to Cigna, a normal delivery can cost over $7,500, so you would likely benefit from having health insurance coverage, which becomes especially true if your child's delivery is more complicated.
  • If you have very young children, especially under the age of 2, you will likely benefit from having health insurance coverage.
  • If your health or that of a member of your household is impaired, such as might be the case if you're managing a chronic health condition like diabetes, you will likely benefit from having health insurance coverage.
  • If you or a member of your household are involved in violent crime or associate with those who do, or are otherwise planning to engage in risky activities with a high likelihood of injury or that might make you sick, you will likely benefit from having health insurance coverage.
Finally, we would hope this would be obvious, but if you or someone for whom you would cover on your health insurance have a high probability of requiring admission to a hospital for the treatment of a serious medical condition, or are over Age 84, which is the official cut off for our tool's accuracy, you will likely benefit from having health insurance coverage.

We'll stop there because we're starting to sound way too much like Jeff Foxworthy....

The establishment has declared us defeated, but we’re ready to fight like rabid wolverines. Now we need to think carefully about how we defeat our opponents over the long haul. And “the long haul” means many election cycles.

Our objective is not merely to take back power for a term or two but to permanently and decisively eliminate this fascism-derived chronic infection of the American body politic, progressivism. The first step is to finish the transformation of the Republican Party from an echo of the statist consensus into a liberty-focused opposition.

The shutdown/debt limit fight is properly understood as a fight within the GOP between the old guard and the up-and-coming, anti-status quo outsiders. The “RINOs” versus the “Tea Party” struggle is all about power and position. D.C. is now the richest town in all of Panem – I mean, America. To them, that’s great; to us, it’s obscene. Their priority is to maintain their perks. Ours is to achieve policy goals that would eliminate their perks.

Understand that if we win, the foundation they have built lives and careers upon goes away. Their lucrative K Street futures dissolve as the lobbyist cabal shrivels because a simplified tax code and the end of crony capitalism means fewer federal favors to dispense. Their Northern Virginia home values will shrink as we return the Capital to its proper status as an unpleasant backwater. And, as is already happening, instead of being able to strut about as petty gods, senators and representatives will be mercilessly observed, rated and measured, with those found wanting primaried out.

No wonder so many folks on our side of the aisle are terrified of us. We not only want to crush Democrats’ dreams, we want to crush the dreams of a bunch of Republicans too.

So, how do we get ourselves in a position to crush those dreams? We start at the bottom and work our way up until we absolutely control the GOP. In some ways we already do – even the establishment types pay lip service to our objectives even if they flail and fail when push comes to shove. The GOP’s agenda is now our agenda, no matter how much David Brooks and Jennifer Rubin whine. We now need to finish replacing the people who merely repeat what we believe with those who actually believe what we believe.

We must also stop with the, “I’m not voting at all anymore!” and, “We need a third party!” nonsense.

These silly sentiments make Barack Obama smile. The GOP is ours. We man the phone banks, we knock on the doors and we provide the votes. Why should we leave because we actually believe in the platform? There’s an infrastructure already built with considerable brand loyalty – hell, it ran Romney and still got 47% of the vote. Let’s take it – it belongs to us anyway.

We must coolly and objectively assess our own situation and well as that of our enemies. That assessment shows us that we do not have the raw power – yet – that we need to force through our agenda. We would all love to see President Ted Cruz sworn in in 2017, but it probably isn’t going to happen. I wish it would, but we must approach the situation as it is, not as we wish it to be. 

Someone’s got to run against Hillary. I don’t like it, but I suspect annoying pseudo-conservative Chris Christie has the best shot of beating her.

Now, before you flood the comments with posts about how awful Christie is so that they actually outnumber the spam about how somebody’s cousin makes $4,879 a week working at home, remember: I don’t think Christie winning the nomination is a good thing. I think it’s a likely thing.

And because a situation we aren’t happy about is the most likely scenario, the objective of our 2016 offensive shouldn’t be a conservative presidency. Instead of huffing and puffing about another squishy presidential nominee, we need to understand that the presidency in 2016 is a supporting, defensive effort. The worst Christie is still better than the best Hillary, so we should support him when he gets the nomination (and we should work to deny the nomination to sure losers like the insufferable Jeb Bush – yeah, America is crying out for another Bush).

But we shouldn’t freak out about another squish nominee because our focus in 2016 shouldn’t be the presidency. The real fight in 2016 (and in the near-term 2014 elections) is in the down-ticket races. 

That’s our decisive effort – getting conservative local, state and congressional candidates elected.

That we can do, and in spades. The presidential election will draw all the money and all the heat from the mainstream media. Let Christie handle that with his big money backers. He can even throw us conservatives under the bus to suck up to fussy pseudo-cons. Who cares?

Hey, we’ll vote for him, but only because he is temporarily useful to us. Our heart and soul and, most importantly, our sweat, will be going to those congressmen and senators who will keep him conservative if he wins, and who will neuter Hillary if he doesn’t.

Let me share a War College graduate’s perspective on what winning boils down to: Pick fights where you can put your strength against their weakness. And while you’re doing it, secure your flanks with what you have left after resourcing your attack.

So let’s pick the right fight, and let’s secure our flanks as best we can. Can we conservatives win a presidential fight in 2016? Probably not. But we can absolutely win down-ticket, where our strengths – activism and effort – really paid off in 2010. Let’s let the New Jersey governor secure our flanks and draw the fire and the ire and the lucre of the liberals. We will work in his figurative shadow, and they will never see us coming.

Defeated? The establishment wishes. If we ruthlessly focus on playing to our strengths, and avoid pouting because we sometimes have to hold our nose and support annoying squishes in the short-term, we can win. If you really want to stick it to the establishment, there’s no better way to do it than by winning. Is Obamacare’s Best Feature

by / Personal Liberty Digest

Rick McKee, The Augusta Chronicle
The public face of the Obamacare deathcare disaster right now is the government website that administers program sign-ups,

If the government’s goal in establishing, as President Barack Obama has claimed, is to allow people to view available insurance plans and sign up for them through the website, then is a colossal failure. It’s the type of failure that, had it occurred in the private sector, would have resulted in the immediate firing of the company’s chief executive officer, the head of the department overseeing the project, the project’s director and most, if not all, of the people who contributed to the project in any supervisory way — and that is only if the company was able to survive the disastrous debut.

But government is not negatively affected by failure. In fact, there is a reward for failure in government. As Representative Steny Hoyer reminded Tuesday when asked how Congress could help improve the system, “We can give them a little money.” Never mind the hundreds of millions of dollars already dumped into the boondoggle.

And so it was for the crony firm tasked with developing the website, CGI Federal. The Canadian information technology firm entered the U.S. government contracting business after buying several American IT firms beginning in 2004. It was in the right place at the right time and got the contract despite a checkered past on similar projects; one of them, a Canadian healthcare registry for diabetes sufferers, performed so badly and CGI missed so many deadlines that the $46.2 million project was scrapped.

So apparently, government contractors aren’t affected by failure either, at least as long as they play the corporatist game and line the pockets of the Washington, D.C., criminal elected class, which CGI did to the tune of at least $800,000, according to

And neither are government bureaucrats affected by failure. See Sebilius, Kathleen; Lerner, Lois; Holder, Eric; Boswell, Eric J.; Maxwell, Raymond; Clinton, Hillary; Napolitano, Janet, etc.

Insurance executives are warning that the website will lead to theft of private information and other forms of identity theft. And if fixes aren’t made properly, those trying to sign up can expect to see their bank accounts debited multiple times and they may still not be signed up for health insurance.

The user experience has been disastrous. ProPublica has been monitoring user feedback at and is finding that the site is misidentifying people, compromising their identities (or claiming their identities are compromised), requiring them to fill out the same information numerous times, blocking their access to their own accounts and costing insurance agents countless hours and dollars in lost time and clients.

But as bad as the rollout has been (and even Democrats are now admitting it has been a failure), Obamacare itself is actually much, much worse.
    • It restricts medical choices in myriad ways. Treatment options and payment schedules will be set by a group of unelected bureaucrats under the thumbs of Big Pharma, the medical industrial complex and Big Insurance. Holistic and naturopathic treatments are not part of the protocol. Doctors are leaving over the regulations and reduced payment schedules. Many more are being dropped by the crony insurance companies. (See below.) Most doctor examinations are being replaced by examinations by nurse practitioners.
    • Although its official name is the Affordable Healthcare Act, Obamacare is anything but affordable. The low-premium Bronze Plan has impossible-to-afford deductibles. The high-premium Gold Plan is unaffordable to most. According to a breakdown of premiums for each county done by The Market Ticker® the average unsubsidized premium for a 27-year-old will be $3,200 per year. For the average 50-year-old, individual premiums are about $5,434 per year. For a couple with children, the annual premium would be about $7,774. But smokers’ premiums are about twice that because of surcharges. You can see the unsubsidized premium for your county or parish here.
    • As is typical of government redistribution schemes, this one picks winners and losers. Losers are most Americans who will be paying a lot more for less care and fewer choices. The workers and the healthy will be subsidizing the poor, the nonworking and sickest. The text of the Obamacare calls for government “subsidies” up to 400 percent of the poverty line (about $94,000 for a family of four). But lawsuits are in the works that will deny subsidies to those 34 States that opted not to set up exchanges. Few, if any, will choose to pay the prices for unsubsidized premiums. According to government Consumer Price Index numbers, health insurance spending is .656 percent of the family budget. Under Obamacare, a family would have to make to $1.185 million annually for a premium of $7,774 to be .656 percent of their budget. 
    • If the government pays for treatments, it can set treatment options. Already, the Food and Drug Administration is a fascist system that approves drug treatments will little or no independent research and it not only exempts Big Pharma from paying damages to people harmed by their drugs, it often uses taxpayer dollars to pay damages when courts mandate them. Once the government gets into the business of approving and mandating treatments, medical freedom is lost. 
    • Many Obamacare supporters outside the Beltway believe that Obamacare is a better system than the previous government-regulated crony system because they disapproved of private businesses making decisions about which treatments they would pay for and how much they’d pay. But Obamacare is a fascist system written by insurance companies, Big Pharma and medical-industrial lobby to their benefit, not to the patients’ benefit
    • Further evidence that Obamacare was written by the insurance companies can be seen in their rising stock prices since Obamacare’s passage. Obamacare is a boon to insurance companies who expect to see in increase in the number of customers and premium payments guaranteed by the Federal government. 
    • Obamacare is hastening the collapse of U.S. economic system. America is currently selling U.S. bonds to itself in order to pay its bills and running up trillions of dollars in “debts” that will never be paid by anything of substance. The Congressional Budget Office estimates the cost of Obamacare at $2 trillion, but the law will increase the number of insured by only 40 million people at a cost of $50,000 each.
    • Obamacare is turning America into a part-time workforce. Hundreds of thousands of full-time jobs have been reduced to part time so businesses can avoid Obamacare mandates. 
  • Obamacare’s premium structure penalizes married couples. It gives benefits more generously to unmarried couples who cohabit than it does to married couples. Cohabiting couples are 170 percent more likely to split up than married couples. Children from broken families are 82 percent more likely to live in poverty and are more likely to engage in high-risk behaviors like sexual activity and substance abuse and are more likely to exhibit anti-social behavior.
Or, to sum up, as I’ve told you numerous times, Obamacare is a deathcare trap of graft and corruption that advances medical tyranny and hastens the collapse of the U.S. economy… and that’s not even the worst of it.
Somehow someway it's all Bush's fault
By: Diane Sori   

Overnight a complete and total blackout occurred...a all 50 states of the website...a website disaster just like the product...ObamaCare...that it's trying to force down all our throats.

Over the weekend people's private information proved to be anything but as an announcement was made of yet another 'glitch' in the Data Services Hub hosting the website server...the server that gathers everyone's 'supposedly' private information as they sign on.

And as Obama's oh so wanted socialist takeover of America's health care system begins with a rightful clunk...why is it that no one directly involved in this monstrosity is being blamed or accepting one on the left that is, but know that Health and Human Services Secretary Kathleen Sebelius...the one who should be shouldering the blame...the woman who is in charge of the website...the woman who is in charge with the implementation of ObamaCare...did make it clear to anyone that would listen that all the website's failures are the Republican's fault.

"In an ideal world there would have been a lot more testing. We did not have the luxury of that with a law that said it’s go time on October 1st and frankly a political atmosphere where the majority party (the Republicans) at least in the House was determined to stop this any way they possibly could including shutting down the United States government. So it was not an ideal atmosphere," Sebelius said.

Who does this woman think she's kidding as the Republicans had NOTHING to do with this abomination...obamanation to be more exact...except to try to warn Americans that ObamaCare was a disaster in the making.

Next thing you know Sebelius will claim it's Bush's fault the website does NOT work.

And when you really think this through a website this big, this important...and Obama's wanted legacy to boot...this site should have been fully tested and operational by July at the latest so that the time between July and October could be used to fix any will always happen minor 'glitches' that might pop up at the last moment. The securing of the final acceptance of the site within a week of the 'go live' date...knowing that the site was NOT fully operational...hell...was NOT even remotely operational... should cost Sebelius her job for she knew it was NOT ready for debut contrary to her claims she only found out on its debut day...making this website disaster a true project management failure and Sebelius owns it all.

"The president has been poorly served in the implementation of his own signature legislation," said Rep. Darrell Issa in a weekend television interview. Specifically asked if he meant Kathleen Sebelius should resign, Issa said that if she can't reorganize and assemble a team to meet Obama's agenda, "she shouldn't be there."

How right he is.

And yet Obama does NOT fire her...does NOT even reprimand fact he applauds he chooses instead to place the blame on the websites builders...the very ones who told the White House that the site had problems BEFORE its debut.  But at least this time payback is indeed a bitch as the website's failure is turning into a major public relations disaster for its namesake...Barack HUSSEIN Obama...and that is the only good thing that has come out of ObamaCare as far as I'm concerned.

So the bottom line is that is a public relations nightmare as the technical 'glitches' Obama loves to call major operational flaws...get worse by the day instead of getting better......getting worse even as Obama bold-face lies that all will be fixed by the end of the month.

But what of accountability for all those 'glitches' some point someone...Obama or going to have to quit making excuses...because to date over $634 million of 'We the People's' taxpayer dollars (NOT including the monies that will now be needed to fix this disaster of a site) has been wasted on building a non-working website...a non-working website for a product the majority of Americans do NOT want...and blaming others is just NOT going to cut it this time...NOT going to cut it as even the media...the in-the-pocket-for-Obama starting to turn against Obama and his nightmare of an anything but affordable health care act.

The political honeymoon...the political love fest...seems to be over between the media's 'anointed one' and the infamous Washington Press Corps as it took their so called 'website fiasco' to be the straw that broke the camel's back.  Fast & Furious, Benghazi, the IRS scandals, the spying scandals both on Americans and on foreign leaders, did NOT do it as the media played down or outright ignored them all...but even the media it seems cannot ignore Obama's breech of fundamental promises..."if you like your doctor you can keep your doctor"..."your insurance payments will be going down"...etc...etc.... etc... ALL lies just to sell a product that will NEVER and can NEVER deliver on its promises... especially in light of the individual mandate...something big business is exempt from for one year.

And as Senator Marco Rubio will file legislation today that would postpone the individual mandate under ObamaCare and delay IRS penalties until six months after the troubled websites are certifiably and totally functional the media is at least paying attention. 
"It is not fair that next year Americans will be punished for not buying ObamaCare when the website they are supposed to buy it on doesn't work. I believe this entire law should, and will, eventually be repealed and replaced. But until that happens, I will continue looking for ways to protect Americans from the disaster that is ObamaCare.”

Well said, and hopefully this time the media will do it job and start reporting the truth about ObamaCare and the disaster that it is.