Monday, January 18, 2016

The Affordable Care Act (ACA) was intended to solve the problem of affordable coverage for people with preexisting conditions by using an age-old strategy that politicians love. That strategy is often referred to as OPM (other peoples’ money). For instance, ACA regulations force insurers to accept all applicants -- including unprofitable ones -- at rates unadjusted for their health risk.

Premiums can vary somewhat by age, but not by health status. Thus, Obamacare is a bad deal for most people by design; the majority of enrollees are charged much more than their expected costs. In theory, this should allow individuals with health problems to obtain health coverage cheaper than they otherwise would. The problem with these schemes is they rarely work as advertised. Moreover, there are perverse incentives for individuals to cheat if they can -- and delay enrollment until they need expensive medical care.

This dubious policy was briefly tried back in the 1990s and it was a disaster. Overcharging healthy people caused them to avoid health insurance like the plague, resulting in a condition known as “adverse selection.” Over time, health coverage became incredibly expensive. Premiums shot up 500 percent to reflect the higher costs in health plans composed of mostly unhealthy enrollees. Coverage became a bad value for everyone except the sick for whom any coverage was better than nothing. Sound familiar? It should: that’s what’s happening to Obamacare plans today. The ACA attempts to lessen the risk of adverse selection by forcing younger and healthier people to buy expensive health coverage that’s a poor value.
Editor's note: This column is an excerpt from Crystal Wright's new book, "Con Job: How Democrats Gave Us Crime, Sanctuary Cities, Abortion Profiteering, and Racial Division."

When was the last time anyone heard the “Reverend” Al Sharpton give a sermon? I mean a real one, not a rant that incites racial unrest. Ever since Sharpton came to the defense of Tawana Brawley in 1987, knowing she HAD lied in accusing white men of raping her, he’s been a professional race profiteer. Not only did Tawana lie, she lied big time: spreading dog feces on herself then hiding in a trash can to stage her rape. After Al “marched” in defense of Brawley, a grand jury concluded Brawley had concocted a “hoax” and the lawyers who represented her were disbarred. Steven Pagones, a Dutchess County assistant district attorney, was one of the men Brawley, Sharpton, and her advisors Alton H. Maddox Jr. and C. Vernon Mason accused of raping her. In 1998 Pagones won a defamation lawsuit against the three race-baiting stooges, who were ordered to pay Pagones $345,000 in damages. Brawley was also sued by Pagones and ordered to pay over $400,000 in damages, which she only began paying in 2013.27 In 1988 People magazine referred to Sharpton, pictured with Brawley on the cover its magazine, as “a belligerent black activist” whose actions were a “disgrace.” Today, a thinner, tailored-suit-wearing Sharpton works as a well-paid TV host of MSNBC’s PoliticsNation.

Virginia: Two Muslims Charged with ISIS Jihad-Terror

Pamela Geller / Atlas Shrugs

Two Virginia Muslims were charged Saturday with attempting to support the Islamic State terror group following the arrest of one of the suspects at the Richmond International Airport, where he was beginning alleged travel to Syria.

Every day — more ISIS activity in America.

Here are the criminal complaints:

“Two Men Arrested in Attempt to Travel to Syria, Join IS,” NBC News, January 16, 2016.
A Virginia man who was allegedly attempting to travel to Syria to join the Islamic State group and a man accused of helping him have been arrested, according to a press release from the U.S. Department of Justice.
Joseph Hassan Farrokh, 28, of Woodbridge, Virginia, was arrested Friday...

Islamic jihadists kidnap three Americans in Baghdad
By Robert Spencer / Jihad Watch


Islamic jihadists kidnap three Americans in Baghdad
Kidnapping infidels and releasing them for ransom or enslaving them, as well as killing them if that option is deemed most advantageous for the Muslims, is fully sanctioned in Islamic law: “As for the captives, the amir [ruler] has the choice of taking the most beneficial action of four possibilities: the first to put them […]
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