Yesterday someone posted this story on my Facebook news feed. Checking on the internet, there are appearances of this same story a year ago, at least one website said that they had verified the insurance rates for the income parameters mentioned and, apparently, it was making the email rounds. I searched Snopes to see if it appears there, but did not find it. Don’t know who wrote this, but it seems to match reports that others have recounted about their experiences with the ACA state insurance exchanges. The information about health care provided for illegal aliens is particularly interesting.
I’m a 54 year old consulting engineer and make between $60,000 and $125,000 per year, depending on how hard I work and whether or not there are work projects out there for me.
My girlfriend is 61 and makes about $18,000 per year, working as a part-time mail clerk.
For me, making $60,000 a year, under ObamaCare, the cheapest, lowest grade policy I can buy, which also happens to impose a $5,000 deductible, costs $482 per month.
For my girlfriend, the same exact policy, same deductible, costs $1 per month. That’s right, $1 per month. I’m not making this up.
Don’t believe me? Just go to https://www.coveredca.gov , the ObamaCare website for California and enter the parameters I’ve mentioned above and see for yourself. By the way, my zip code is 93940. You’ll need to enter that.
[NOTE: I just did this on the Covered California website, using his zip code, ages and $60,000/$18,000 salaries. For the Anthem Bronze 60 PPO, his 2015 monthly premium is $489. For the same plan, her monthly premium is $1.]
So OK, clearly ObamaCare is a scheme that involves putting the cost burden of healthcare onto the middle and upper-income wage earners. But there’s a lot more to it. Stick with me.
And before I make my next points, I’d like you to think about something:
I live in Monterey County, in Central California. We have a large land mass but just 426,000 residents – about the population of Colorado Springs or the city of Omaha.
But we do have a large Hispanic population, including a large number of illegal aliens, and to serve this group we have Natividad Medical Center, a massive, Federally subsidized county medical complex that takes up an area about one-third the size of the Chrysler Corporation automobile assembly plant in Belvedere, Illinois (see Google Earth View). Natividad has state-of-the-art operating rooms, Computed Tomography and Magnetic Resonance Imaging, fully equipped, 24 hour emergency room, and much more. If you have no insurance, if you’ve been in a drive-by shooting or have overdosed on crack cocaine, this is where you go. And it’s essentially free, because almost everyone who ends up in the ER is uninsured.
Last year, 2,735 babies were born at Natividad. 32% of these were born to out-of-wedlock teenage mothers, 93% of which were Hispanic. Less than 20% could demonstrate proof of citizenship, and 71% listed their native language as Spanish. Of these 876 births, only 40 were covered under [any kind of] private health insurance. The taxpayers paid for the other 836. And in case you were wondering about the entire population – all 2,735 births – less than 24% involved insured coverage or even partial payment on behalf of the patient to the hospital in exchange for services. Keep this in mind as we move forward.
Now consider this:
If I want to upgrade my policy to a low-deductible premium policy, such as what I had with my last employer, my cost is $886 per month. But my girlfriend can upgrade her policy to the very same level, for just $4 per month. That’s right, $4 per month. $48 per year for a zero-deductible, premium healthcare policy – the kind of thing you get when you work at IBM (except of course, IBM employees pay an average of $170 per month out of pocket for their coverage).
[NOTE: I checked this, based on his salary of $60,000, his zip, his age. Monthly premium is currently $930 – see screen snip, below. I was unable to find a 2015 Platinum 90 plan available for the premium of $4/month in her income and age group. I found one for a subsidized premium of $435/month, and a Gold plan for a subsidized premium of $255/month.]
I mean, it’s bad enough that I will be forced to subsidize the ObamaCare scheme in the first place. But even if I agreed with the basic scheme, which of course I do not, I would never agree to subsidize premium policies. If I have to pay $482 a month for a budget policy, I sure as hell do not want the guy I’m subsidizing to get a better policy, for less that 1% of what I have to fork out each month for a low-end policy.
Why must I pay $482 per month for something the other guy gets for a dollar? And why should the other guy get to buy an $886 policy for $4 a month? Think about this: I have to pay $10,632 a year for the same thing that the other guy can get for $48. $10,000 of net income is 60 days of full time work as an engineer. $48 is something I could pay for collecting aluminum cans and plastic bottles, one day a month.
Are you with me on this? Are you starting to get an idea what ObamaCare is really about?
ObamaCare is not about dealing with inequities in the healthcare system. That’s just the cover story. The real story is that it is a massive, political power grab. Do you think anyone who can insure himself with a premium policy for $4 a month will vote for anyone but the political party that provides him such a deal? ObamaCare is about enabling, subsidizing, and expanding the Left’s political power base, at taxpayer expense. Why would I vote for anyone but a Democrat if I can have babies for $4 a month? For that matter, why would I go to college or strive for a better job or income if it means I have to pay real money for healthcare coverage? Heck, why study engineering when I can be a schlub for $20K per year and buy a new F-150 with all the money I’m saving?
And think about those $4-a-month babies – think in terms of propagation models. Think of just how many babies will be born to irresponsible, under-educated mothers. Will we get a new crop of brain surgeons and particle physicists from the dollar baby club, or will we need more cops, criminal courts and prisons? One thing you can be certain of: At $4 a month, they’ll multiply, and multiply, and multiply.
ObamaCare: It’s all about political power.
Although I was unable to find the very low premium for the platinum plan or gold plan in 2015, it doesn’t change the premise of this post. Since she has such a low income, she is probably also eligible for help with out-of-pocket costs, and deductibles (see the graphic, above, about income levels and benefits under the ACA).
