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December 2, 2014

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
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 Oct. 15, 2009 / 27 Tishrei 5770

Health Care ‘Reform’— Getting Less for More

By Larry Elder



http://www.JewishWorldReview.com | The Democratic-controlled Congress reached another hurdle in achieving health care "reform." The Senate Finance Committee passed a version, 14-9, with one Republican vote. At last, "bipartisanship"!

It requires people to get health insurance, expands Medicaid, provides tax credits to help low- and middle-income people buying coverage, creates "health insurance exchanges" for individuals and small businesses, and requires employers who don't offer coverage to help pay for employees' government-subsidized coverage.

The price?

No one really knows — and few really care. The only certainty is that whatever Congress says it will cost will fall woefully short of the real cost. Cost projections as grossly inaccurate as the ones government gave for Medicare and Social Security could land someone in the private sector in jail.

The Congressional Budget Office projects a cost of $829 billion over 10 years. But the CBO claims it actually would reduce the federal deficit by $81 billion! How? "Reform" curbs the growth of spending on federal health care programs. In Washington, when predicted future spending rises less than previously projected, we've "saved" money. The legislation would impose taxes on health insurers, pharmaceutical companies and medical device companies.

Under this latest legislation, insurance companies could not deny coverage or charge more for pre-existing medical problems. Initially, the insurance companies went along with that because they expected Congress to require everybody to get coverage. This would mean a windfall to the insurance companies. But wait! The bill would soften the penalties for those who fail to get insurance, and the insurance companies now oppose the bill. "The bill imposes hundreds of billions of dollars in new health care taxes and provides an incentive for people to wait until they are sick to purchase coverage," said Karen Ignagni, CEO of America's Health Insurance Plans — an expense to insurance companies that would be paid for by all their customers.


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Meanwhile, this latest bit of legislation needs to be reconciled with a measure passed by another Senate committee back in July. And a whole host of heavily Democratic-backed options are still on the table — including requiring businesses to cover employees and a government-run public option.

It's not as if some states haven't tried this kind of something-for-nothing health care.

Hawaii offered universal child health care — for seven months. Then it dropped the plan. Why? People (and employers) with private plans dumped them to ride the "cheaper" government train. One of Hawaii's health care administrators lamented, "I don't believe that was the intent of the program." And Hawaii is a small state, without nearly the number of "health insurance needy" as we have on the mainland.

Several New England states offer health care "reform," using most of the ideas floated by the Obama administration. Vermont, Maine and Massachusetts all have "guaranteed issue," forcing insurance companies to provide insurance to everybody — regardless of an individual's health conditions. And insurers can't charge different rates based on factors such as a person's state of health, age or gender — a policy called "community rating." Maine also offers a "public option" (a government-run plan with taxpayer-subsidized premiums that competes with private plans), and Massachusetts imposes an "individual mandate" that requires everyone to purchase insurance.

New England boasts that its number of uninsured has gone down (although not as much as predicted). But health care in New England now costs more than anywhere else in America. Many insurance companies just abandoned these states, resulting in less competition and higher premiums. As health care subsidies consume more and more of the states' budgets, they turn to higher taxes, rationing and, excuse please, cost containment.

The Council for Affordable Health Insurance is a research and advocacy organization that includes, among others, free-market-oriented health care providers. It examined current rates in Massachusetts, the only state with "individual mandate," "community rating" and "guaranteed issue." The cheapest plan available for a family of four — with a $3,500 deductible — is more than $9,000 a year, and the most expensive is more than $19,000 a year. This about doubles what families currently pay in most other states.

"Reformers" point to the "unfair" number of claims turned down by private insurers. But Medicare, as a percentage of claims filed, actually turns down more than do non-government carriers. According to the American Medical Association, Medicare turns down 6.85 percent of claim lines, followed by Aetna at 6.8, Anthem at 4.62, Health Net at 3.88, Cigna at 3.44, Coventry at 2.88 and UHC at 2.68. All private carriers combined averaged a denial rate of 4.05 percent, making Medicare's rejection rate 170 percent higher!

Hold on to your wallets.

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.

JWR contributor Larry Elder is the author of, most recently, "Stupid Black Men: How to Play the Race Card--and Lose." (Proceeds from sales help fund JWR)

Let him know what you think of his column by clicking here.

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© 2006, Creators Syndicate

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