Obamacare is Fuckin’ Retarded

obamacare

This is a guest post by the Captain Power.

When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, –That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.

Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed.

The Declaration of Independence

That is possibly the greatest set of paragraphs ever written, and it still applies to today.

Let’s face it, Obamacare is completely retarded. It’s not going to work. And it already isn’t working.

1. Insurance doesn’t work without discrimination.

What is insurance and how was it started? Private insurance was started when citizens would pool funds together to share the risk. Farmers would protect their crops from droughts, fisherman would protect themselves from bad fishing seasons, and textile manufacturers would protect themselves from rising commodity prices. You could start your own informal insurance pool in your community if you wanted to, and many large religious groups like the Catholic Church have. Insurance has been around since the beginning of time.

Insurance needs some sort of discrimination or it doesn’t work. If everyone is in the insurance pool, then it becomes socialism. Socialism is where everyone shares the risk despite obvious differences in behavior, talent, and luck. And when everyone is insured, there is no incentive to curb risky behavior. The crappy people will be doing more crappy things, and the good people will pay more to subsidise the crappy people.

2. It kills private enterprise.

Why should anyone take a risk and start a small business? If you are successful and make over $45,000, you cannot receive any subsidies, and you are going to be paying through the nose with high deductibles! And if private businesses aren’t started, jobs aren’t created, and your nice local city job turns into bankruptcy hell like in Detroit (and soon to be Chicago).

3. Young people will just accept the fine and skip the insurance.

If you are 25 years old and make $75K, the penalty is only $75. If your plan is going to be $300 a month with a $3K deductible, why not pay out of pocket? It makes no sense to get insurance. Unless you incur over $6,000 in medical bills, you will break even. And when healthy people don’t pay into the system, the prices are going to skyrocket. The whole idea is based on healthy people subsidizing the sick.

4. They put restrictions on private insurance.

How the hell can you tell American citizens that they can’t form an insurance company with their own set of criteria? If I want to start an insurance company with only bodybuilders or marathon runners, I can’t? This is America, not the Soviet Union. And why do only religious groups get an exception?

5. Putting competing insurance companies on an exchange is a stupid idea.

95 percent of people are going to just pick the cheapest plan. You need to have competing services, not competing insurance quotes. If one company will test my blood for $30 and another for $70, that is real competition.

6. Middle and upper class citizens can always get quality healthcare internationally.

Costa Rica is looking pretty good right now. It cost on average a quarter of the price of the U.S. for modern healthcare, and it has nice beaches.

Just as long as it isn’t an emergency, I could possibly make an international trip for a procedure. Professional athletes are doing it all the time for procedures that are banned in the United States, and wealthy Europeans and Canadians often fly into the U.S. so they don’t have to wait in a five week hospital line.

7. Most union members will pay a huge tax starting in 2018.

That nice cushy free health insurance is considered a “Cadillac” plan and will cost you a couple thousand dollars a year. Ask the teamsters about it, they tried to get an exception.

8. Every single cash business in America is going to cheat on their taxes like there is no tomorrow to get under the $45,000 threshold for health care subsidies.

Isn’t that obvious? You are going to find a lot of small business owners that only made $40K next year.  Cash is king.

9. Saying “you’re going have to pay for poor people anyway” is a retarded argument.

We also pay for their funerals, why isn’t there a mandatory funeral insurance? We also give poor people 35 percent too much in food stamps, causing them to have preventable illnesses such as diabetes and heart disease.

I don’t want people to die, but the system is abused. We need to tighten the regulations under Medicaid.

10. You don’t have to sign up until April 1.

So every year a hundred million people will take the chance and go uninsured for the first three months of the year. Why not? It saves you over $1,000. That’s what they did in Massachusetts when they made insurance mandatory.

11. A ton of people are eligible for Medicaid and are just too stupid to sign up and they will still end up at city hospitals.

Do you expect the same people to sign up now and/or pay any premium? Good luck. Most poor Americans are too lazy to even fill out the form to apply for Medicaid.

12. Illegal immigrants.

Do I need to explain this one?

13. If your company has 50 or more full time employees, you have to offer them healthcare.

Watch for a lot of workers to be cut to part-time.

Conclusions

Let’s face it, everything the government runs turns to shit. The Post Office is several billion dollars in debt. The IRS audits 1 percent of the population. Social Security is almost bankrupt, Medicare is almost bankrupt, and Obamacare will obviously be a disaster.

My recommendations?

Overall, I feel that there are too many restrictions. We need to lessen the regulatory and litigious burden on doctors, we need to open up the restrictions on purchasing basic medicine, and we need more healthcare workers. We need real competition in services, just like there are for uninsured procedures like plastic surgery and laser eye treatment.

A single-payer system like they have in Canada will only work with high deductibles. When people have no skin in the game, the system will explode in higher costs. And with a single-payer system you can allow private insurance with no restrictions.

These are my recommendations:

  • Put services on a exchange, not insurance quotes.
  • Cut food stamp allowances by 35 percent; poor people in this country have an obesity problem.
  • Allow more prescription drugs over the counter and more self-diagnosis.
  • Get tough on Medicaid. Cut down on allowable visits. Cross check Social Security numbers with the DMV and housing sales to match up all the people that are abusing the system.
  • We need more doctors, loosen the standards.
  • We need a position between nurse and doctor that can handle less severe illnesses like runny noses and irritable bowels.
  • Allow a fast track program for foreign doctors.
  • Legalize marijuana.

Power out!

Originally posted at Captain Power’s Underground Training BlogAlso check out the Captain’s book Work Out, Lose Weight and Stop Being Single.

Read Next: Women Are Just as Socially Retarded as Men

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  • http://remysheppard.com Remy Sheppard – Life Traveler & Money Maker

    We need a position between nurse and doctor that can handle less severe illnesses like runny noses and irritable bowels.

    Correct me if I’m wrong but wouldn’t that be a Physician’s Assistant?

  • Jimm

    You missed the over pricing of mens insurance and under pricing of women’s insurance… all in the name of fairness.

    Also all the things that used to cost money for women and now are free.

    Those don’t help all that much… but I’m more of the mind of “fuck it all, let it fail”

  • http://thecaptainpower.blogspot.com thecaptainpower

    @jimm All the places i have worked offered the same rate for men and women, but i see your point…obamacare is gng to be hacked and i just got it started…every social program in america is hacked, with the worst being disability…

  • Jimm

    @thecaptain.

    Dude… even progressive CBS just showed that 45% of disability payments are BS. It’s funny when a progressive show/channel proves something that a republican talking windbag has been saying for years.

  • http://emuelle1.blogspot.com Eric S. Mueller

    Another reason it’s fucking retarded is that health CARE and health INSURANCE are not the same thing, but everybody is treating them as if they are, as if having health INSURANCE will guarantee that you will have health CARE. It will not. Look at all these retards running around saying “I will FINALLY have affordable health CARE!” No, you will have health insurance, and stop equivocating.

    Another distinction is that Obamacare is not socialism. It is fascism. The key difference is that the government isn’t providing it. They’re forcing you to do business with private insurance companies. A simplified definition is when the government is providing everything, it’s socialims. When the government is funneling business into private companies that operate with the blessing of the government, it’s fascism. The line between government and corporations is thin, but still there in that the losses are socialized and the profits are privatized. If they screw up, we pay for it. If they do well, they keep it (except for sweet kickbacks to politicians to ensure the continuance of the gravy train).

  • Mark

    Ludwig Von Mises pointed out when government becomes involved in something and it doesn’t work the solution is always to get the government more involved instead of less involved. Most of the current problems in medical care come from previous government interventions and Obamacare is going to make things worse. To try to fix an unworkable plan, they’ll keep getting the government more and more involved until everything completely breaks down.

  • http://www.moralinefree.blogspot.com Jesse Myner

    Your Number 3. is wrong.

    The fine for 2014 is $95 per person or 1% of income, whichever is greater.

    1% on an income of 75k would be a fine of $750. It goes up to 2.5% of income in 2016.

    Still, your point stands. Its not a significant penalty compared to paying for insurance.

  • http://thecaptainpower.blogspot.com thecaptainpower

    Thanks jessie, good catch….im lucky to get insurance through work otherwise i woukd wait till march every year to sign up….

  • Sarah

    Although I have some serious issues with the entirety of your post, I would like to bring a blatantly bigger issue to light. The use of your word retarded makes you sound incredibly unintelligent. I am not claiming to know you, because I don’t, but based on your using of the word retarded, it makes you seem like an ignorant, close-minded, asshole. You could use SO many other words to describe how you feel about Obamacare. Let me give you some other options: ridiculous, ill-advised, ludicrous, senseless, shortsighted, unintelligent, brainless, deficient, half-witted, idiotic, moronic, etc. I really hate to think that you are someone who thinks retarded is the same as stupid. I disagree with your the basis of your argument, but you bring up some relevant issues about Obamacare that everyone should be aware of. However, your point is devaluated because of your use of the word retarded. If you want to persuade somebody, you need to sound intelligent for them to listen.

  • http://thecaptainpower.blogspot.com thecaptainpower

    @sarah personally i think the entire idea isillegal because the govt is forcing citizens to purchase private health insurance if they make over $45k, in addition to the taxes we already pay in medicare….and i also think obamacare has too many loopholes and wasnt well thought out. Im only joking with the “retarded” part ; )

  • Ryan

    I have big problems with this article, first off the idea that “that all men are created equal”. It’s a nice idea, sure, but it’s plainly not true. Some babies are born healthy while others are born with disabilities or addictions and some are even born needing a lifetime of heathcare (judging by your comments these are some of “the crappy people” in your view). The problem as I see it is not with Obamacare at all but with the whole idea of using private insurance companies as the basis of a healthcare system. An insurance companies job is to make money and therefore to minimise pay outs so getting people that actually require expensive healthcare off their books has to be a goal – which to me is an insane way to run a healthcare system.

    As for your “recommendation” to cut food stamp allowances by 35 percent because poor people in this country have an obesity problem? In case you hadn’t noticed, good food is actually expensive while highly processed sugary and salty fast food is dirt cheap. If anything, food stamps should be increased but have their use limited to good healthy foods in my opinion.

  • http://thecaptainpower.blogspot.com thecaptainpower

    Good food is expensive? I built this body with eggs, tuna, and water mixed with some hard work…..in nyc they use half the food stamps for food and the other half they ship overseas….

  • http://thecaptainpower.blogspot.com thecaptainpower

    “I have a problem with all men are created equal” you have a problem with declaration of independence??? Lololol

  • Ryan

    Given that I don’t believe men and women were ‘created’ (at least by anyone or thing other than their parents), you could say I have some slight issues with parts of the declaration of independence. I’m not saying good food has to be expensive, but when you compare it to fast and processed foods, it probably is out of reach for many poorer families… eg. http://www.reuters.com/article/2011/08/04/us-food-costs-idUSTRE7734L620110804

  • Charlie

    I don’t agree with everything you have said, but I like your solutions.

    A few other comments I’d like to add –
    - Swap to a fast-track program in general for med school. English doctors start med school at 18, and begin working as a junior physician short after. They become a “real” doctor at the same time as Americans, but they don’t waste their time with undergrad fluff and Biology degree requirements unrelated to the health field like Ecology.
    - To further the food stamp thing, make sure that people on welfare in general are required to take regular drug screenings. It just makes sense.
    - Let physicians work together with insurance to help draft the paperwork that needs to be accomplished. The government writes too much bureaucratic nonsense that is anti-intuitive to a healthcare professional, making it quite a bit harder and adding more strain both on the doctor and patient.

    I don’t think you should use ‘retarded’, and I have a lot of other reasons why I’m against Obamacare besides those mentioned, but thanks for the post.

  • Nick

    I agree, ACA is not THE answer. However, I am one of those who this will help. With diabetes I will finally be able to buy insurance. What is your solution for those who can’t buy insurance due to existing conditions?