Matt Forney
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Obamacare is Fuckin’ Retarded

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.

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