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April 21, 2014

Andrew Silow-Carroll: Passoverkill? Suggestions to make next year's seders even more culturally sensitive

Sara Israelsen Hartley: Seeking the Divine: An ancient connection in a new context

Christine M. Flowers: Priest's execution in Syria should be call to action

Courtnie Erickson: How to help kids accept the poor decisions of others

Lizette Borreli: A Glass Of Milk A Day Keeps Knee Arthritis At Bay

Lizette Borreli: 5 Health Conditions Your Breath Knows Before You Do

The Kosher Gourmet by Betty Rosbottom Coconut Walnut Bars' golden brown morsels are a beautifully balanced delectable delight

April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Nov. 9, 2009 / 22 Mar-Cheshvan 5770

D.C.'s ‘Failure to Launch’ national health care policy

By Debra J. Saunders

Debra J. Saunders



http://www.JewishWorldReview.com | The Senate Health, Education, Labor and Pensions Committee's health care bill includes a provision that would allow parents to keep their children as dependents on their health care policies until age 26. Not to be outdone, House Speaker Nancy Pelosi announced last month that, as Congressional Quarterly reported, the House bill "will allow young people to stay on their parents' policies until age 27."


Do I hear age 28? Why not 30? As long as Washington is giving away private health care coverage, why not eliminate the age cap entirely?


The House plan enjoys the support of a new group, "the Young Invincibles," an organization, Pelosi explained, "formed to get young adults behind the campaign for health insurance reform."


Eureka. Pelosi has found the way to get young adults behind health care reform - have Mom and Dad (or their employers) pay for it. Of course young adults are jumping on the bandwagon.


A few years ago, Matthew McConaughey starred in the movie "Failure to Launch" about a thirtysomething adult who did not want to fly the familial coop. Now the Beltway wants to enable adults to live as their parents' health care wards for years after they've been emancipated.


Forget the old system that allowed adult children to remain on their parents' policies until age 19, or up to age 23 if they were in college, and hence financially dependent. The Washington measures would apply to adults up to age 26 or 27, whether they live at home or not - as long as they are not married or parents. (And how long do you think it will take for politicians to eliminate those exclusions?)


To my surprise, the insurance industry believes that, if enacted, the failure-to-launch provisions "will have a minimal impact," according to Robert Zirkelbach, press secretary for America's Health Insurance Plans.


In part, the industry accepts this new definition of "dependent" because states have been passing laws extending the wonder years. According to Zirkelbach, Delaware and Oklahoma draw the line at age 18, but it's 22 for North Dakota; 24 in Indiana, South Dakota and Tennessee; 25 in 13 states; and, age 30 in four states, including New Jersey. Also, states have different criteria dealing with residency. The toothpaste is out of the tube; at least a federal measure would provide uniform standards.


As health care expert Steve Zuckerman of the Urban Institute noted, putting young adults on their parents' policies means more premiums for insurers to cover a group that has pretty low claims.


Besides, a law that would make insurers cover healthy young adults is far less onerous than other congressional provisions, such as the requirement that health care providers cover cancer patients at no extra cost. Ditto restrictions on what they can charge older Americans.


Joshua B. Gordon of the fiscal watchdog group, the Concord Coalition, sees "very minimal federal budget implications" - as there are advantages to adding "young and healthy people" to the ranks of the insured. "It actually saves costs in a way," he added - a point that has been made by elected failure-to-launch boosters.


It's true that 1 in 3 young American adults lacks health care coverage - and Washington should try to pass laws to correct the situation. But don't tell me it's practically free. As Geoffrey Sandler testified for the American Academy of Actuaries last year, "Although young people age 19 to 25 generally have lower claims costs than other age groups, increasing coverage to this group will increase claims."


And don't act as if there is something noble about failure-to-launch provisions - when they do nothing for young adults who have no parents or whose parents don't have health insurance.


"It's a way to get people to have coverage, but without the federal government picking up the tab," noted Zuckerman. But that does not mean there is no cost - only that employers or employees will have to pay the added cost.


This is where a proposal by the Senate Finance Committee, chaired by Sen. Max Baucus, D-Mont., to sell low-premium, high-deductible "young invincibles" policies to young adults comes in handy. As Time magazine reported, such policies "do not constitute full coverage." But if crafted correctly, Zuckerman told me, "the young-invincibles plans could be a good option."


And not just for the sons and daughters of the middle class.


It makes no sense, but the so-called caring members of Congress want to avoid the path that paves strong incentives for young-invincibles to take charge of their health care. Instead, they're pushing the "failure to launch" model.

Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

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© 2009, Creators Syndicate

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