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The obstructionist party, GOP, being flushed out? Healthcare
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swchandler



Joined: 08 Nov 1993
Posts: 10588

PostPosted: Fri Feb 12, 2010 5:05 pm    Post subject: Reply with quote

"Just because Sam chooses to have kids while employed in an at-risk job doesn't give him any right to have the government take money at gunpoint from other people to pay Sam's living expenses. The minute Sam takes on dependents, insurance should be his highest priority expense behind adequate food and shelter. A TV set or a clunker is not his neighbor's obligation, and we already have all sorts of programs in place to provide health care, education, food, etc. IF WE WANT NICE STUFF, FROM KIDS TO LEVI BRAND JEANS (my jeans cost me $3.50), IT'S UP TO US TO WORK HARD ENOUGH TO BUY IT. Clinton proved that given that option, people kicked off welfare got off their asses and got jobs.

You deal with exceptional cases individually rather than through blanket programs encouraging a hundred million slackers. How do you feel about giving food stamps to families earning $51,000 ... about twice my pension? Subsidizing health care insurance for families earning $82,000 with millions in savings?"


Why does this wingnut continue to offer us such worthless nonsense? Without a doubt though, it uncovers much about his underlying hates and prejudices, even if it comes from an imaginary world he digs out of nowhere. Damn, the guy hates 1/3 of all Americans.
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mac



Joined: 07 Mar 1999
Posts: 17750
Location: Berkeley, California

PostPosted: Fri Feb 12, 2010 6:17 pm    Post subject: Reply with quote

Isobars complains so much about food stamps that I decided to peruse the last Bush budget to see what we are spending money on and how they are trending. Engineers who do their homework always look at trends. You can readily do your own research at http://www.gpoaccess.gov/usbudget/fy09/browse.html

Starting with the big picture, the Federal government paid out $3.107 trillion and took in $2.7 trillion (remember those tax cuts that let you buy more hamburgers?). But relatively little of the outgo is discretionary—a little under $1 trillion is discussed as discretionary. Where does that go? Mostly to security and the military--$594.5 billion for security, another $70 billion for the wars, $44.8 billion for Veterans, and $38 billion for Homeland Security. That’s about $750 billion, or more than 75% of the discretionary funding. I don’t know if the war number is low-balled, that’s just the number reported on the GPO web site. Of interest in terms of the long term implications of the Bush era, the Veterans budget has doubled since 2001, and we can expect 30 years of payouts for injured vets. If you look at economic growth during the Bush administration and where it went, you can readily see that for the latter part of his presidency, security absorbed virtually all revenue increases, going from $594 billion to $730 billion between 2007 and 2009.

Well, what about the rest of the money? Entitlement programs—social security, medicare, and Medicaid total $1.27 trillion. Interest on the debt for FY 2009 was $280 billion, but is rising at about 12%/year. Medicaid is also going up more rapidly than is sustainable, something that should not be a surprise to anyone except those that think it is not a government program and that they already paid for it. (tea anyone?)

How about non-security? If you’re really interested visit the site and poke around; information drives democracy. But I’ll give you a few of the bigger programs in discretionary funding. After Defense at $515 billion comes Health and Human Services at $70 billion, Education at $59 billion, and food stamps at about $56 billion. If we drill a little deeper on that last number, and use http://www.fns.usda.gov/fsp/faqs.htm#25, we can see that for 2008 25.7 million people were eligible, at a cost of $28.6 billion (a little over $1000/person/year—could you eat with that?) and it went up substantially with the economic downturn. It requires about 1.8% of the Federal budget to keep people from starving. I’m comfortable with that, and I’d be willing to pay Isobars 1.8% as well to shut him up. (My father used to say that there are people who know the cost of everything but the value of nothing. He was also conservative and lived in the Tri-cities, but he was not a mean man.)

So how does that compare to some other programs that we like? Well, we spend $2.4 billion for the National Park system—and remember that states like Arizona and California are so broke they are closing their parks. That’s 0.08%--can I double it and get a little management of my parks? Or do the teabaggers want to close Yosemite too? Unemployment represents $2.6 billion—and are Republicans in favor of extending those benefits during a prolonged recession? Oh, at 0.1% that would be way too expensive and would push us over our debt ceiling.

Is there a more rational way to do some of this? One of the best ideas I’ve heard, and fiscally conservative, is to look at our military budget as a cost of securing our access to oil. Of course the global warming deniers think that our life style is a god-given right—they find that somewhere in the bible. So if our consumption of gasoline is 378 million gallons/day in 2009 (http://tonto.eia.doe.gov/energyexplained/index.cfm?page=oil_home), or 140,000,000,000 gallons per year, and we paid for half of our military budget with that would be about $1.78/gallon. But alternative fuel supplies are a bad idea, aren’t they?
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mrgybe



Joined: 01 Jul 2008
Posts: 5181

PostPosted: Fri Feb 12, 2010 6:21 pm    Post subject: Reply with quote

boggsman1 wrote:
Hey JP , please dont inject any real life experience and rational discussion on this forum. Mr G is having too much fun speculating on how things may be if we adopt a new healthcare agenda. Wellpoint /Anthem Blue Cross jacked up rates 39% this year in Cali. Crazy. When United bought PacificCare a few years back they squashed all practices in Cali. that used Pacific Care , by refusing new claims, Competition , HA! not really. When the USA went from 90 refiniries to 3 , prices skyrocketed. I love when newbies like MR. G, no fault of his own, speculate on competition, as a price lowering mechanism , and then realize , 10 years later, that there is no competition.


I have studiously avoided giving anything other than broad information about my background, but this is too good to miss.

Real life experience?............ummm, let me think. Well for seven years I was President of a large Property/ Casualty company providing insurance in more than 100 countries. I did pick up just a little knowledge of the insurance business (albeit, not the health business specifically) and one thing I know for sure, competition drives down prices. The insurance business goes in cycles.......prices go up, more capacity enters the market which drives prices down until capacity shrinks, at which time prices start to rise again and the cycle continues. I know nothing about Wellpoint's rate rise in CA, but I suspect that if there were 20 other companies competing for that business, the rise would have been smaller.

Refineries in the US went from 90 to 3???........you've started on those pink fizzy drinks earlier than usual!! There are about 150 oil refineries in the US. There would be more if environmental activists had not blocked every attempt to build a new one over the past 30 years. However, capacity at existing US facilities has been significantly expanded by upgrades, and new refineries have built in places like Singapore, India and China. Refined products are a globally fungible commodity and at present there is an oversupply of refining capacity. Crude prices have been the principal determinant of gasoline prices, not refinery capacity.

Anything else you'd like to learn from the "newby"?
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swchandler



Joined: 08 Nov 1993
Posts: 10588

PostPosted: Fri Feb 12, 2010 7:14 pm    Post subject: Reply with quote

"Anything else you'd like to learn from the "newby"?"

I have to say that classifying mrgybe as a "newby" here wouldn't have reflected my view. That was a bit off the mark I think.

But, I have to say mrgybe, you've added a different spin on things, and I think a lot worth thinking about.
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DanWeiss



Joined: 24 Jun 2008
Posts: 2296
Location: Connecticut, USA

PostPosted: Fri Feb 12, 2010 11:46 pm    Post subject: Reply with quote

Isobars wrote:
SNIP How do you feel about giving food stamps to families earning $51,000 ... about twice my pension? SNIP


Dude, do the math. 3 kids, single parent and a dog. One house, one car and one $51,000 job without decent health care. Living in Arkansas.

Monthly income post federal income and state income tax is $3,200. Monthly health care insurance for all three people is $1,200 since Mom's employer doesn't offer jack for a contribution.

Let's say that house cost $300,00 and, the good saver that she is, Mom dropped 20% on the downpayment. No closing costs. That $240,000 loan at 7% over 30 years works out to about $1,600 per month.

That leaves $400 per month for everything else. Like homeowners insurance. Like calling the plumber. Like medical copays. Like the utility bills. Like car insurance. Like a new whatever.

Now, talk to me about food stamps.

Fick, you don't have a clue about the world beyond the inside of your eyelids.
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mrgybe



Joined: 01 Jul 2008
Posts: 5181

PostPosted: Sat Feb 13, 2010 1:37 am    Post subject: Reply with quote

Mac, You make some cogent points in your post ref Kaiser..........and I am truly sorry to hear about your daughter's medical issues. I hope that she is fully recovered.
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mac



Joined: 07 Mar 1999
Posts: 17750
Location: Berkeley, California

PostPosted: Sat Feb 13, 2010 10:19 am    Post subject: Reply with quote

Fully recovered, from either a severe accident or cancer, is a relative term. But my daughter has 4 children whom I will see today, so we are blessed and thanks for asking. I thought my points about the Federal budget, and the illusory nature of instant fixes were even better. Most of the new teabaggers don't know much about government, they're just against it. And their leadership is the same old Republicans that were implicated in creating this fix. We've used off-budget trusts, in both State and Federal governments, to create longevity in the programs we like--and to insulate them from future legislatures. It has created a huge problem.

Insurance is an interesting arena in which to debate individual responsibility. Catastrophe, whether accident or flood or illness, is largely a random event that societies have organized themselves collectively to deal with-for thousands of years. And for that time there have been unscrupulous businesses that would take the money and not have the capacity to pay--look at claims after Katrina. So it is by its nature, a collectivist (should I say semi-socialist) aspect of human organization. And here we are ranting about socialism.

Your point about competition is absolutely true--in an absolutely transparent and well financed market. In medical care it is complicated by the large amounts of capital involved on both insurance and medical care side, and the current battle between those two units in avoiding payouts and maximizng profits. My point was that I am very happy with my non-profit Kaiser that does both. I haven't seen competition fix the problems in health care, and heavy cartelization persists in the insurance industry dealing with health care.
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mrgybe



Joined: 01 Jul 2008
Posts: 5181

PostPosted: Sat Feb 13, 2010 1:34 pm    Post subject: Reply with quote

There was a decent New York Times article about health insurance competition last year:

http://prescriptions.blogs.nytimes.com/2009/08/19/how-much-competition-among-insurers/

Many will argue that a government sponsored option will provide increased competition.........I don't disagree, it would......but at what cost to the taxpayer? I just believe that allowing established health insurers to provide needed competition, with appropriate regulation, is a much better solution. Currently, each state has different mandates which result in a myriad of different health insurance products across the country, regulated by 50 different state bureaucracies. Can this be efficient? Seems to me, that people's health issues are pretty much the same country wide. Enabling multiple insurers to offer standard health insurance products across the country (with enhancements one can choose to purchase), would, in my view, result in a much more efficient market. Appropriate antitrust oversight would ensure that industry consolidation does not undermine competition.

Incidentally, we should not confuse "nonprofits" with "not making a profit". Kaiser, for example, makes very large profits, and it's top executives are compensated as handsomely any private insurer. Also we should not ignore the rising cost of medical care which is a significant factor in rising insurance costs.
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mac



Joined: 07 Mar 1999
Posts: 17750
Location: Berkeley, California

PostPosted: Sat Feb 13, 2010 4:57 pm    Post subject: Reply with quote

Which of these reforms did the Republicans or current Tea Party folks implement when they were the majority party?
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mrgybe



Joined: 01 Jul 2008
Posts: 5181

PostPosted: Sat Feb 13, 2010 6:15 pm    Post subject: Reply with quote

mac wrote:
Which of these reforms did the Republicans or current Tea Party folks implement when they were the majority party?


None that I am aware of.......but, do you want the current administration to mimic the inaction of the previous majority party? I thought the point of kicking them out was to effect change? (incidentally, as I recall, McCain ran on elimination cross state border restrictions).
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