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Archive for the ‘Supreme Court rulings’ Category

A Conservative solution to our health care problems is what is needed now I have heard people say.  Well there has been this Conservative solution since before Obamacare was forced thru the Congress by the Democrats who were in control of both houses and the Presidency.  These same Democrats who refused to allow any  Republican input at all during the drafting of this bill.  the same Democrats who refused to be bothered reading the 2000+ page bill that they passed without one Republican vote for it. If you check back on this blog site you will see the Republican plans and proposals that were submitted in both the House and the Senate that were never allowed by the Democrat leaders to see the light of day.  They were trash canned.  What we got stuck with is a so-called  Affordable Healthcare Act (Obamacare) that we are now finding out is not at all affordable  for  the few people who have been able to get a look  at  the available plans on a web site set up to show these plans to people and allow them to enroll in and purchase insurance.   There  were,  we are now being told,  all of 6 people in the entire country who managed to enroll in Obamacare and purchase an insurance policy the first day before the site crashed and burned.  The same web site that cost $6 billion  and three years to get up and running but isn’t running at all.  The web site that was built by a Canadian company  but is now being fixed by what the President assures us are experts, or this same Canadian company.  Funny I thought the “experts” on the Internet and building programs for the Internet would be the very Americans who built the Internet in the first place.  Guess none of these people had a friend in the White House.  Or maybe they were willing to take less time and cost less money to build a web site that  probably would have worked almost as well as the Internet they built in the first place.  Ya think??  But no “friend” in the WH gets no contract.

The following letter is from Jim DeMint who outlines the Republicans and Conservatives Healthcare Plan that is affordable and available and more important, Constitutional.  Please check it out.  BB

The Conservative Alternative to Obamacare11/01/13Dear friends,We’ve been very critical of Obamacare because it’s hurting Americans. But that has caused some to ask, “What’s your alternative?”

The truth is, we’ve always had alternatives, but our critics weren’t ready to listen. Now, the disastrous rollout of Obamacare has a lot of people asking for alternatives to government-run health care. And conservatives are ready.

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With each passing day, it becomes clearer that Obamacare will not reduce premiums for average American families, bring down health care spending, or truly improve health care in this country. Instead, people are receiving notices from their insurance companies that their policies are being canceled or their premiums are skyrocketing.

At The Heritage Foundation, we are envisioning a health care system where you and your family come first.

What if you could choose and control your own health insurance? What if you could buy the insurance and health care services you want and need? What if your health insurance didn’t go away when you changed jobs?

The good news is, all of these things are possible. There can be life after Obamacare—and it doesn’t mean going back to the status quo that we had before. We can move ahead, taking the best health care system in the world and making it even better.

Our experts in the Center for Health Policy Studies have put together a new paper that explains how these conservative ideas work. It includes:

  • How we will help people with pre-existing conditions
  • How we will help you keep your health insurance when you change jobs
  • How we can lower costs and improve health care quality—no matter what your income is
  • How we can honor people’s faith and protect the right of conscience in health care

We are excited to share this set of commonsense solutions with you—not just because they are good public policy solutions, but because they bring hope. We have hope for life after Obamacare, and these policies would give you back control over your own health care.

Now that’s worth working toward. I hope you’ll join us.

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Jim DeMint

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I and others have been trying to get the word out to people since the monster was passed by the Democrats that Obamacare will cost much more than the current cost of healthcare insurance but 51% of the voters didn’t listen.  Now the word is finally out and Heritage got the answers for us.  check out what you will pay for health care insurance by checking out the state you live in.  BB

The Heritage Foundation

Issue Brief on Health Care

Issue Brief #4068 | October 16, 2013

How Will You Fare in the Obamacare Exchanges?

By Drew Gonshorowski

 

There are literally no comparisons to current rates. That is, [the Department of Health and Human Services] has chosen to dodge the question of whose rates are going up, and how much. Instead they try to distract with a comparison to a hypothetical number that has nothing to do with the actual experience of real people.

—Douglas Holtz-Eakin
President, American Action Forum[1]

Enrollment in Obamacare’s health insurance exchanges has proven to be a somewhat difficult process amidst technical glitches and delays. Aside from the issues associated with actually purchasing health care, once an individual gets a quote for health insurance on an exchange, is the premium higher or lower than before?

Our research finds that for many states, the insurance on health exchanges will cost more than existing insurance. This study illustrates that the general experience for individuals shopping on the exchange is that of increasing premiums from what was available to them prior to implementation of the exchanges. Many families and individuals will face this reality as they apply for coverage, and the implications of experiencing sticker shock are important to consider if enough people choose not to sign up for coverage for various reasons.

Methodology

The Heritage Health Insurance Microsimulation Model (HHIMM), in concordance with insurer data compiled by Mark Farrah and Associates, is used to create a snapshot of what it looks like to shop for insurance prior to exchange implementation. This data is used to build weighted average premiums within the rating areas, similar to the process described in the most recent release from the Department of Health and Human Services (HHS).[2]

First, we use expected age distribution in the individual market from the HHIMM. Next, we use census data for the county populations in order to scale up to the state level, creating something that is roughly comparable to the weighted averages presented by HHS.[3] This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

This paper is meant to provide a necessary segue to HHS’s data summary, creating an apples-to-apples comparison of exchange data to what the costs are for individuals. Effectively, we have used the same methods that were employed to provide summary data on the exchange markets to prior insurance data in order to get the closest comparison.

Some state-based exchanges have data releases that are more limited than the 36 federal exchanges. For state exchanges, some premiums must be estimated. As is the case with all studies built to address the changes in exchange premiums, it is important to note that when more data becomes available, results could vary slightly.

This study considers the data as released by HHS. States with little data released are omitted from this study.[4]

Results

Individuals in most states will end up spending more on the exchanges. It is true that in some states, the experience could be the opposite. This is because those states had already over-regulated insurance markets that led to sharply higher premiums through adverse selection, as is the case of New York. Many states, however, double or nearly triple premiums for young adults. Arizona, Arkansas, Georgia, Kansas, and Vermont see some of the largest increases in premiums.[5]

How Will You Fare in the Obamacare Exchanges?

The Obama Administration is desperate for younger people to enroll to prevent an adverse selection death spiral. As pointed out by Sam Cappellanti at the American Action Forum, “The enrollment of these low cost young adults…is essential as they are required to subsidize the costs of insuring the elderly and chronically ill.”[6] However, young adults face a penalty for not enrolling that is projected to be far less than the insurance coverage they could receive.

Our findings confirm that younger populations see larger percentage increases in premiums. A state that exhibits this clearly is Vermont, where the increase for 27-year-olds is 144 percent and the increase for 50-year-olds is still 60 percent, but far less. All states exhibit this relationship.

Many individuals will experience sticker shock when shopping on the exchanges. It is clear that many policies and cross-subsidization within Obamacare will lead to upward shifts in premiums. These policies include the health insurance tax, essential health benefit and actuarial value regulations, less allowed age variability in premiums, community rating, and guaranteed issue.[7] However, real uncertainty, amidst a rocky start, surrounds what enrollment will look like in the exchanges.

Fantasy Savings

Obamacare will leave many people paying more for their health insurance. The healthcare.gov website is learning to crawl, with additional data trickling in. However, based on information already released by HHS, states, and insurance plans, the claims of savings on premiums for the average participant is a fantasy.

—Drew Gonshorowski is a Policy Analyst in the Center for Data Analysis at The Heritage Foundation.

————————-[1]Quoted in Avik Roy, “Double Down: Obamacare Will Increase Avg Individual Market Insurance Premiums by 99 Percent for Men, 62 Percent for Women,” Forbes, September 25, 2013,http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/ (accessed October 11, 2013).

[2]U.S. Department of Health and Human Services, “Health Insurance Marketplace Premiums for 2014,” September 2013,http://aspe.hhs.gov/health/reports/2013/MarketplacePremiums/ib_marketplace_premiums.cfm(accessed October 10, 2013).

[3]HHS’s main exchange dataset can be found here: https://www.healthcare.gov/health-plan-information/ (accessed October 10, 2013).

[4]Massachusetts and Hawaii are omitted. Minnesota, Kentucky, and Maryland have issued small releases.

[5]Virginia’s data likely has data entry errors. Omitting the entries that are likely incorrect suggests that Virginia’s likely premium increases are 115 percent for 27-year-olds, 65 percent for 50-year-olds, and 30 percent for a family of four.

[6]Sam Cappellanti, “Premium Increases for ‘Young Invincibles’ Under the ACA and the Impending Premium Spiral,” American Action Forum, October 2, 2013,http://americanactionforum.org/research/premium-increases-for-young-invincibles-under-the-aca-and-the-impending (accessed October 10, 2013).

 

The huge Farm Bill was defeated.  80% of the Farm Bill was for Food Stamp spending and only 20% related to farms and farming.  The  Republican led House is now proposing to split the Food Stamp program or SNAPS from the Agriculture Department so that a closer watch can be kept on this outrageous spending.  Of course they were put together in the first place in order for both farm and rural congressmen and Food Stamps which are primarily urban Congressman would vote together to pass these outrageous bills.  This is a favorite  Washington ploy: buying the votes!  Just look at the Immigration Bill and how the Senators loaded it down with pork ( or pay offs) for everyone before it got passed.  Remember the Republican House refusing to pass the first version of the  Hurricane Sandy Bill to help the hurricane victims in the northeast to rebuild because on 30% of the funds allotted were to go to the hurricane victims while the 70% of pork funding in it was for things as unrelated as a new roof for a building in D.C.  Many, including Gov. Christie of New Jersey blamed the Republicans for stopping this outrage and believed that anything  the greedy big spending Democrats wanted was okay as long as something went to the right people.  It is this kind of thinking and this kind of voting that has gotten our country to the brink of bankruptcy!  This is the name of the game in the Farm Bill which the Republican House members voted down and it is the same game being played with the Democrats Senate version of an Immigration Bill.

The following newsletter from heritage has some very good information from various writers on these topics.  Also more information on Obama’s plans for raising all of our energy prices which will not only affect our  electric and gasoline bills but our food and clothi8ng bills as well because all industry requires the use of energy and if energgy costs go up the cost of all goods and services must aslo go up.  Check them out>  BB

Heritage Hotsheet

Experts on the Day’s Hottest News

Contact An Expert
MEDIA INFORMATION LINE:
Phone: (202) 675-1761 | Email: Broadcast Services

Items for Friday, June 28th, 2013


Immigration Bill Riddled With Pork
Breitbart.com

Jim Carafano
Derrick Morgan
Genevieve Wood
Jessica Zuckerman

Family Fact of the Week: What the Record-Low Marriage Rate Means for Americans’ Well-Being
Heritage.org

Jennifer Marshall
Ryan Anderson
John Malcolm

Gay rights clash: Obama, African host are at odds 
AP

Jennifer Marshall
Ryan Anderson 
Charlotte Florance

Abortion tables may turn in Texas on Monday
Politico

Jennifer Marshall
Ryan Anderson
Andrew Walker

House Leaders Consider Splitting Food Stamps From Farm Bill
Bloomberg

Diane Katz
Daren Bakst
Rachel Scheffield

Obama refuses to barter for Edward Snowden
BBC.com

Steven Bucci
Paul Rosenzweig
Ariel Cohen
Peter Brookes
Jim Carafano

 

Latest Heritage Research:


Issue Brief
History Suggests Social Security Insolvency Is Coming Sooner Than Projected

Issue Brief
Energy Production on Federal Lands: Handing Keys Over to the States

Issue Brief
Cost of a Climate Policy: The Economic Impact of Obama’s Climate Action Plan

Heritage Newsletter offer us experts opinions on the news of the day and how it will affect you.   This was really a big day since the Supreme Court came down with two big rulings: one gave a victory to gay marriage by ruling against the Congressional Bill passed under Clinton called the Defense of marriage Act (DOMA)  which ruled marriage as being between a man and a woman.  I have been against this changing of our marriage laws on the grounds off finances.   This act by the court throws the problem back to the states but then after ruling that the California law *(voted for by the people) against gay marriage as unconstitutional it seems no state and certainly the majority of the voters have no say in this matter.   As stated I have been and am against the legalizing of s  gay marriage  because it  fives rights for financial support that have been the rights of wives and husbands only.   For instance social security support for widows and orphans.  the “orphans” part may be easy top figure out but who is the “widow”?   Are Both  parties in a lesbian marriage widows?   Do homosexual couples need to designate a “widow”?  And this is just the tip of a huge financial ice berg that We the Taxpayers will be responsible for that we were not before today.

The second ruling by the Supreme Court was one I feel is long overdue in being corrected.  States should and do have the right to determine what their voting laws are but until todays ruling 14 states had to get permission from some clerk in Washington before they could so much as change the location of a voting location.  In fact  one district in one of these states could not vote in the 2000 election due to a water pipe breaking and  flooding the polling place.  But since they had to get permission from Washington to move the site they simply had to disenfranchise the voters ion that district!   Now that was an extreme and surely rare happening but it really does point out the nonsense of following a law that was very necessary when passed by 50 years later attitudes and laws and mostly people’s views have changed and no Black can or will be kept from voting.  After all we do now have a Black as President!

And be sure to take note of how our President plans to go around your elected officials in Congress and use the EPA Environmental Protection Agency to force  his climate change agenda and war on coal and oil on us.   People there is no such thing as climate change.  the Earth is not getting hotter.  Obama lied again and again in his speech yesterday at Georgetown University.  Don’t believe me but do your own research and go to the records kept by the government itself  and see that we are experiencing right now the cycle that is normal and active in the 1950’s.  Then the hotter seasons was followed by a cooling off and so-called “cooling of the Earth due to the use of fossil fuels ” that occurred in the 1970’s.  these damned fools lead by Hollywood idiots and our President  are helping a cool group of men led by Al Gore and Barrack Obama to make a pile of money.   But while they are manipulating and  lining their pockets with all the money it will cost to go from fossil fuels to their so-called clean and not at all reliable wind and solar We the People are going to see the cost of energy to us going out of  sight.  And since energy is needed for every aspect of our lives including the food on our tables that means everything in our lives will cost more.  Well, anyhow  please do read the article and go to the references.   Sincerely, BB

Heritage Hotsheet

Experts on the Day’s Hottest News

Contact An Expert
MEDIA INFORMATION LINE:
Phone: (202) 675-1761 | Email: Broadcast Services

Items for Wednesday, June 26, 2013

Divided Supreme Court strikes down key voting rights provision
The Washington Times

John Malcolm

Obama planning to sidestep Congress for next phase in climate change agenda
Fox News

Nicolas Loris

David Kreutzer

Jack Spencer


Snowden flap bares hapless U.S.

Boston Herald

Peter Brookes

James Carafano

Ariel Cohen
INFOGRAPHIC: What You Should Know About Marriage
The Foundry Blog

Ryan Anderson

Jennifer Marshall

Andrew Walker

Sarah Torre


Immigration and the Crisis of Opportunity

National Review Online

Genevieve Wood

Mike Gonzalez

Stuart Butler


Latest Heritage Research
:

ISSUE BRIEF
How to Slash Billions from the Agriculture Appropriations Bill

Gang of Eight Giveaways
National Review

Jessica Zuckerman

Mike Needham

Dan Holler

Obama energy push could loom large in 2014
Politico

Nick Loris

David Kreutzer

Jack Spencer

Snowden mystery deepens, took job to gather NSA evidence
USA Today

Steven Bucci

Peter Brookes

James Carafano

Snowden Case Has Cold War Aftertaste
The New York Times

Ariel Cohen

5 Things You Need to Know About the Supreme Court’s Marriage Cases
The Foundry Blog

Ryan Anderson

Andrew Walker

Jennifer Marshall

 

Latest Heritage Research:

ISSUE BRIEF
Helping Southeast Asia Come to Grips with the Reality of Taiwan

ISSUE BRIEF
Obama’s Trip to Africa: Make It More Than a Photo-Op

ISSUE BRIEF
Schumer–Corker–Hoeven Amendment Fails on Securing the Border and Halting Illegal Immigration

BACKGROUNDER
Ratifying the Disabilities Convention Will Not Help Americans with Disabilities at Home or Abroad

ISSUE BRIEF
Kerry in India: Setting the Tone on Security Issues

The following article is from the Heritage Foundation and is a listing of studies made by various groups on the state of our government and social programs.  I found many of them informative and felt that perhaps my Readers would also.  Just check out the listings and click on the topics that interest you.   You may also wish to subscribe and have the Insider Online newsletter delivered to your home page.  sincerely, BB

 

Updated daily, InsiderOnline (insideronline.org) is a compilation of publication abstractshow-to essaysevents, news, and analysis from around the conservative movement. The current edition of The INSIDER quarterly magazine is also on the site.


June 22, 2013

Latest Studies: 38 new items, including a Manhattan Institute report on the student debt problem, and an American Legislative Exchange Council report on environmental overcriminalization

Notes on the Week: Not even low-income workers can count on benefiting from ObamaCare, things to know about the CBO’s immigration scoring, and more

To Do: Keep an eye on Russia

Latest Studies

Budget & Taxation
• Four Tenets to Less Government Spending – e21 – Economic Policies for the 21st Century
• The Municipal Government Debt Crisis – Heartland Institute
• Proposed New Farm Programs: Costly and Risky for Taxpayers – The Heritage Foundation
• Soaring National Debt Remains a Grave Threat – The Heritage Foundation
• Taxing Online Sales: Should the Taxman’s Grasp Exceed His Reach? – The Heritage Foundation
• The Big Choice for Jobs and Growth: Lower Tax Rates Versus Expensing – The Heritage Foundation
• The Many Real Dangers of Soaring National Debt – The Heritage Foundation
• The Simple Economics of Pro-Growth Tax Reform – The Heritage Foundation
• Turn Down the Heat, Switch On the Light: A Rational Analysis of Tax Havens, Tax Policy and Tax Politics – Institute of Economic Affairs
• The Best Solution from Both Budgets: “Reverse Logrolling” Shows the Best Option for Government Spending and Tax Reform – John Locke Foundation
• Creating a Fair Property Tax System: Is it Possible? – Public Interest Institute
• Kansas 2013 Tax Reform Improves on Last Year’s Efforts – Tax Foundation
• New Zealand’s Experience with Territorial Taxation – Tax Foundation
• A Review of the 83rd Session of the Texas Legislature – Texas Public Policy Foundation
• Virginia Economic Forecast 2013-2014: State to Add Jobs Despite Sequestration – Thomas Jefferson Institute for Public Policy

Crime, Justice & the Law
• Ignorance of the Law Is No Excuse, But It Is Reality – The Heritage Foundation
• Comeback States Report: Reducing Juvenile Incarceration in the United States – Texas Public Policy Foundation
• Scientific Evidence in State Courts: Florida Reform as a Model – Washington Legal Foundation

Education
• Beyond Retrofitting: Innovation in Higher Education – Hudson Institute
• College Credit: Repairing America’s Unhealthy Relationship with Student Debt – Manhattan Institute

Foreign Policy/International Affairs
• Beyond the Border: U.S. and Canada Expand Partnership in Trade and Security – The Heritage Foundation

Health Care
• The Right Way to Fight Obesity – Hoover Institution
• An Analysis of the Proposed Medicaid Expansion in Michigan – National Center for Policy Analysis
• Veterans Affairs Fails to Curb Suicide Epidemic – National Center for Policy Analysis

Immigration
• Advancing the Immigration Nation: Heritage’s Positive Path to Immigration and Border Security Reform – The Heritage Foundation
• Senate Immigration Bill Does Not Require Payment of All Back Taxes – The Heritage Foundation

Information Technology
• FCC Must Maintain Open Eligibility for Incentive Spectrum Auction – Free State Foundation

Monetary Policy/Financial Regulation
• Rethinking the FHA – American Enterprise Institute
• Recent Arguments against the Gold Standard – Cato Institute

National Security
• Obama’s Wish to Cut Nuclear Arsenal Undermines National Security – The Heritage Foundation
• Preventing the Next “Lone Wolf” Terrorist Attack Requires Stronger Federal–State–Local Capabilities – The Heritage Foundation

Natural Resources, Energy, Environment, & Science
• Efficiency Policy – American Action Forum
• Five Solutions for Addressing Environmental Overcriminalization – American Legislative Exchange Council
• Improving Incentives for Federal Land Managers: The Case for Recreation Fees – Cato Institute
• Denial of Supreme Court Review Leaves Ninth Circuit ESA Case Intact – Washington Legal Foundation
• Ohio Court Limits Localities’ Authority over Energy Exploration – Washington Legal Foundation

Transportation/Infrastructure
• Paint Is Cheaper Than Rails: Why Congress Should Abolish New Starts – Cato Institute
• Moving the Road Sector into the Market Economy – Institute of Economic Affairs

 

 

 

Notes on the Week

Rector on CBO on immigration: The Congressional Budget Office told us this week that letting large numbers of immigrants into the country and changing the status of those currently here illegally will be great for the economy and the federal budget. Robert Rector has a few things to say about the CBO’s scoring of the Gang of Eight immigration bill. Here are the highlights:

[T]he immigration coming in under this bill looks like previous immigration in the sense that its predominantly lower-skilled plus the fact that you’re taking 11 million illegal immigrants and giving them access to the welfare and entitlement states. They have an average education of 10th grade, so it’s very difficult to imagine that those households would somehow pay enough in taxes to equal their benefits […] .

The trick is the CBO 10-year budget window. […] For mysterious reasons, when an amnesty bill is written, the amnesty recipients become eligible for everything under the sun in about the 11th year. So that they pay taxes in the first 10 years and they don’t get additional benefits for some mysterious reason until you move outside the CBO budget window. […]

[T]he federal government, because of Social Security and Medicare, inherently transfers from the non-elderly to the elderly. State and local governments kind of do the opposite. If you just look at state and local governments you would find that they transfer from the elderly to the non-elderly to pay for education. The elderly pay a lot of property tax; they don’t get any education benefits any more. […] Of course immigrants are not elderly themselves. For a limited period of time they pay in but then they take out more than they have paid in. It’s important to put both flows together because the opposite process is happening down at the state and local level. […]

One of the interesting things that CBO does tell us is that the number of illegal immigrants who will enter the country over the next 20 years goes down by only 25 percent. There would have been, they estimate, 10 million illegal immigrants entering over the next 20 years. They estimate that that will drop to 7.5 million illegal immigrants entering the country […] . The net cost of those illegals alone would be about $400 billion over that period. […]

When you look at the Gang of Eight explain their bill they always say: Oh, we’re shifting from low-skill immigration to high-skill immigration. You can trust us. That’s what we do. But in fact the numbers from CBO show exactly the opposite. Roughly 80 … 85 to 90 percent of the individuals getting green card status are not skill-based. [The Foundry, June 21]

 

 

Turn on, tune in, pay up. Online learning may transform higher education someday, but right now it serves mainly as a prop in the familiar university system, say Andrew Kelly and Frederick Hess:

Many online programs generate large revenues because most colleges charge the same price (or more!) for students enrolled online as for those on campus. A survey of 199 universities by the educational technology arm of the Western Interstate Commission on Higher Education found that 93 percent of universities charged the same or higher tuition for their online programs. This is bizarre, given that online courses are less costly to deliver than in-person courses. But instead of competing on price (meaning that cost savings get passed to the student), institutions have maintained in-person prices for online courses—even as the cost of delivery has fallen.

What do colleges do with that extra revenue? They cross-subsidize activities on the brick and mortar campus: unfunded research, student life, institutional aid programs, and so on. Put more genteelly, they “reinvest” it in their traditional campus.

Real innovation, as Kelly and Hess point out, is about unbundling the research-based university, and that’s not going to happen until the government regulations, subsidies, and accreditation policies that protect that model from competition are reformed. [“Beyond Retrofitting: Innovation in Higher Education,” by Andrew P. Kelly and Frederick Hess, Hudson Institute, June 2013.]

 

 

Not even low-income workers can count on coming out ahead under ObamaCare. Some low-income workers could end up paying a lot more for health insurance than they paid before ObamaCare became law, reports Jillian Kay Melchior. ObamaCare requires employer-provided health insurance to cover at least 60 percent of health-care costs while not costing employees more than 9.5 percent of their household incomes. Since low-income households may have multiple sources of income, it can be difficult for companies to figure out if a particular plan is sufficient to avoid penalties. The federal government has proposed “safe harbor” standards in order to provide clarity: Companies offering plans that have a $3,500 deductible, a $6,000 cap on out-of-pocket costs, and premiums of $90 or less per month would put companies in the clear of any penalties. Under those standards, says Melchior, a low-income worker not eligible Medicaid has few good options:

He could take the employer’s plan — but if it’s a safe-harbor plan, it would cost, at minimum, $1,080 a year. And that’s before the deductible is even factored in. For someone who earns $28,725 a year, falling at 250 percent of the poverty level, these costs are sizeable.

Option two: He could shop around on the health exchange for an alternative. But because his employer provides a sanctioned plan, he’s disqualified from any subsidy he might have received to help offset costs. Even a very basic plan would cost up to $2,316 a year in premiums alone.

Option three: Forgo insurance altogether and pay the steadily increasing penalty to the federal government. In 2014, for an individual, that’s $95 for the year or 1 percent of household income, whichever is greater. But by 2016, it will rise to either $695 or 2.5 percent of household income. And that’s not even factoring in whether the worker has kids. In that case, he could face an annual penalty of $2,085 or more by 2016. […]

Before, many employers who paid by the hour offered limited medical plans. These policies often got a bad rap because of their lack of catastrophic coverage. But to their credit, they were inexpensive and contributed to health-care costs immediately, without workers needing to first meet a deductible.

Now, these low-wage hourly workers would be forced to spend at least $5,300 before their coverage really begins to benefit them. [National Review, June 17]

 

 

Who elected those guys? ask teachers in Kansas. Last week, teachers in Deerfield, Kansas, did something that almost never happens, report James Sherk and Michael Cirrotti: They voted to decertify their union:

Unlike most public officials, unions do not stand for re-election, so their members cannot regularly hold them accountable. Workers can remove an unwanted union only by filing for decertification. But bureaucratic obstacles make it difficult to hold a vote on decertification. The hoops Deerfield’s teachers had to jump through illustrate this problem.

Joel McClure, the teacher who led the effort, submitted the appropriate paperwork to the Kansas Department of Labor in November 2012. But Kansas teachers can request a vote only in a two-month window every three years. KNEA officials contested the petition by claiming that the teachers missed the December 1 deadline. (The Department of Labor had misplaced the initial petition paperwork.) Then the KNEA objected that the teachers’ attorney was not certified in Kansas and that they did not have enough signatures. However, the teachers prevailed and voted out their union—in June, just eight months after the initial submission.

When asked why they went through such protracted effort, the teachers said their union ignored their concerns. They wanted instead to be actively involved in negotiations and work collaboratively with the school district. “The desire is for teachers to participate at the [bargaining] table, to have free access to information,” McClure said. “In our little school district, there’s no reason we can’t sit down at the table and work out our issues.” [The Foundry, June 18]

Did we mention that next week is National Employee Freedom Week?

 

 

The death panel is coming. Last week, a federal judge in Philadelphia blocked the enforcement of an age-limit rule on lung transplants, thus allowing a very sick 10-year-old girl to obtain a new set of lungs. Doctors had said the girl, who suffers from cystic fibrosis, would live only three to five weeks without new lungs. Earlier, Secretary of Health and Human Services Kathleen Sebelius had said she would not to intervene in the case by overturning the rule.

When the ObamaCare-created Independent Payment Advisory Board is up and running in two years, it too will make decisions on matters of life and death, but unlike Sebelius’s decision on lung rules, the decisions of the IPAB cannot be reviewed by courts. Those decisions are also protected from politics in some extraordinary ways. As David Rivkin and Elizabeth Foley explain, the IPAB set-up is certainly unconstitutional, but likely not challengeable in the short run because no one would have standing to sue:

Once the board acts, its decisions can be overruled only by Congress, and only through unprecedented and constitutionally dubious legislative procedures—featuring restricted debate, short deadlines for actions by congressional committees and other steps of the process, and supermajoritarian voting requirements. The law allows Congress to kill the otherwise inextirpable board only by a three-fifths supermajority, and only by a vote that takes place in 2017 between Jan. 1 and Aug. 15. If the board fails to implement cuts, all of its powers are to be exercised by HHS Secretary Sebelius or her successor. […]

The power given by Congress to the Independent Payment Advisory Board is breathtaking. Congress has willingly abandoned its power to make tough spending decisions (how and where to cut) to an unaccountable board that neither the legislative branch nor the president can control. The law has also entrenched the board’s decisions to an unprecedented degree.

In Mistretta v. United States (1989), the Supreme Court emphasized that, in seeking assistance to fill in details not spelled out in the law, Congress must lay down an “intelligible principle” that “confine[s] the discretion of the authorities to whom Congress has delegated power.” The “intelligible principle” test ensures accountability by demanding that Congress take responsibility for fundamental policy decisions.

The IPAB is guided by no such intelligible principle. ObamaCare mandates that the board impose deep Medicare cuts, while simultaneously forbidding it to ration care. Reducing payments to doctors, hospitals and other health-care providers may cause them to limit or stop accepting Medicare patients, or even to close shop.

These actions will limit seniors’ access to care, causing them to wait longer or forego care—the essence of rationing. ObamaCare’s commands to the board are thus inherently contradictory and, consequently, unintelligible.

Moreover, authorizing the advisory board to make rules “relating to” Medicare gives the board virtually limitless power of the kind hitherto exercised by Congress. For instance, the board could decide to make cuts beyond the statutory target. It could mandate that providers expand benefits without additional payment. It could require that insurers or gynecologists make abortion services available to all their patients as a condition of doing business with Medicare, or that drug companies set aside a certain percentage of Medicare-related revenues to fund “prescription drug affordability.” There is no limit. [Wall Street Journal, June 19]

 

 

What is candy? Depends on which state wants to tax it online. Forcing online retailers to remit sales taxes to the state where the purchaser resides, as the federal Marketplace Fairness Act (MFA) does, is not going to level the playing field between online and bricks-and-mortar retailers. Rather, as James Gattuso explains, it will tilt the playing field heavily against online retailers—especially smaller ones:

While the legislation does require states to provide retailers with free software for managing tax compliance, that software need only cover the individual state. Retailers are left on their own to get nationwide software, unless they want to integrate 46 individual software packages. No compensation is offered for recurring costs incurred by retailers, such as accounting services or online tax management services.

In addition, internal staff time would be needed for an array of tasks, including handling claims by tax-exempt customers, fielding inquiries from tax authorities, and addressing the inevitable glitches.

Even the simple act of classifying the item being sold can be problematic, with thousands of idiosyncratic distinctions and definitions through each state’s tax code. In Wisconsin, the Wisconsin flag as well as the U.S. flag is not subject to tax. All other flags are taxable. Unless they are bundled with flagpoles, in which case the rules change yet again.

Similarly, candy is defined—under the “streamlined” sales tax agreement, as “a preparation of sugar, honey, or other natural or artificial sweeteners in combination with chocolate, fruits, nuts or other ingredients in the form of bars, drops, or pieces.” But sellers beware: “‘Candy’ shall not include any preparation containing flour and shall require no refrigeration.” Thus defined, states still vary on whether the concoction is taxable or not.

The problems do not end with the sale. Each of the 46 state tax authorities with which retailers would have to deal directly require tax returns to be completed, on an annual, quarterly, or even weekly basis. To ensure that it is all done correctly, sellers would be subject to audits from each of 46 states. (If tax authorities on Indian reservations are included—as they are in the MFA as passed by the Senate—the number of tax forms and potential audits jumps to the hundreds.) [The Heritage Foundation, June 19]

 

 

Carbon taxers forget the externalities of not using cheap, abundant energy. One reason putting a tax on carbon in order to price its negative externalities is not a free-market idea:

[E]ven if SCC [social cost of carbon] estimates were not assumption-driven hocus-pocus, their use by activists, policymakers, and agencies would still be biased and misleading, because proponents of “climate action” always ignore the social costs of carbon mitigation.

As Cato Institute scholar Indur Goklany explains in a recent study, fossil fuels are the chief energy source of a “cycle of progress” responsible for the amazing improvements of the past 250 years in life expectancy, health, nutrition, safety, comfort, human capital formation, and per capita income. The cycle of progress is to no small extent a “positive externality” of fossil fuels. Thus, policies that suppress the extraction, delivery, and consumption of fossil fuels, or that make fossil energy less affordable, have social costs in addition to whatever compliance burdens and economic losses the policies entail.

For example, the more stringent the carbon mitigation scheme, the more severe the impacts on household income and job creationNumerous studies find that poverty and unemployment increase the risk of sickness and death. Carbon tax advocates never acknowledge this side of the ledger.

Given the continuing importance of fossil fuels to human flourishing and the undeniable connection between livelihoods, living standards, and life expectancy, carbon taxes can easily do more harm than good to public health—even if one accepts the IPCC’s version of the science.

That’s from Marlo Lewis’s excellent summary of the recent R Street-Heartland Institute debate on the carbon tax. [GlobalWarming.org, June 16]

 

 

Progressives make use of rights that progressives think should not exist. It’s a good thing for progressives—and everybody else—that one particular progressive idea hasn’t been adopted, observes Wendy Kaminer:

If progressives had their way, the ACLU’s latest challenge to the NSA’s domestic surveillance would easily be dismissed.ACLU v Clapper, filed in the wake of the Snowden revelations, is based on the ACLU’s First and Fourth Amendment rights, which, according to progressives, ACLU should not possess. It is, after all, a corporation, and constitutional amendments aggressively promoted by progressives would limit constitutional rights to “natural persons.”

“The words people, person, or citizen as used in this Constitution do not include corporations, limited liability companies or other corporate entities,” the popular People’s Rights Amendment declares. [The Atlantic, June 17]

Arthur Koestler’s protagonist in Darkness at Noon referred to the first-person singular as a “grammatical fiction” because it conflicted with the logic of self sacrifice demanded by the party. Today’s real progressives are now trying to subvert the plural form. By insisting that only individuals, not corporations, have rights, they elide the fact that corporations are made up of individual people. Individuals can’t fully exercise their rights if the things they choose to do cooperatively with others do not have the same protections as the things they choose to do alone. Maybe the American Civil Liberties Union can spread the word.

 

 

To Do: Keep an Eye on Russia

• Find out what Russia is up to with its efforts to construct a Eurasian Union. The Heritage Foundation will host a half-day conference on June 27 in Washington, D.C.

• Reflect on the Battle of Gettysburg and its meaning for the nation, which happened 150 years ago this July. Allen Guelzo of Gettysburg College will make remarks at the American Enterprise Institute in Washington, D.C., at 4:30 p.m. on June 26.

• If you are a young, professional, conservative woman, come meet other young, professional, conservative women at the Network of enlightened Women’s National Conference. The conference will be held June 27 – June 28 at The Heritage Foundation in Washington, D.C. Christina Hoff Summers will deliver a keynote address.

• Request a free copy of the movie Amazing Grace, which tells the true story of William Wilberforce’s fight to abolish slavery. The offer is part of the Foundation for Economic Education’s Blinking Lights Project, which educates about the importance of personal character as a vital element of free society. Be sure to check that out, too.

• Don’t forget that next week is National Employee Freedom Week, “a national effort to inform union employees of the freedom they have regarding opting out of union membership and making the decision about union membership that’s best for them.”

• Save the dates! These events are no longer classified, are they?
—The annual IEA Hayek Memorial Lecture, delivered this year by Grover Norquist of Americans for Tax Reform, talking on “The Leave Us Alone Coalition vs. The Takings Coalition: The On-going Struggle” at 6:30 p.m. in London;
—The 42nd National Fourth of July Soiree, featuring barbeque, blue grass, balloon artists, and more at Bull Run Regional Park in Centreville, Va., on July 4 from 11 a.m. to 3 p.m.;
—The Heritage Foundation’s annual Scholars & Scribes review of the Supreme Court’s 2012-2013 term, July 11, in Washington, D.C.;
Freedom Fest, the largest gathering of free minds, July 10 – July 13 at Caesars Palace in Las Vegas;
—and Cato University, July 28 – August 3 at the Cato Institute in Washington, D.C.

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I thought I was pretty well up on what is happening in our country because I really try hard to keep up and do a lot of reading, but now way was I even close to knowing what is happening to everyday people just like me and you.  This article from the Heritage Foundation is an eye opener and a blood pressure raiser. Be sure and go to all the referred sites for all the information.  The time for We the People to act is now when we have the momentum with the Tea Party and other groups up and moving.  Time for you to get involved too before it has gone too far for the United States and Americans to turn the tide towards tyranny around and defeat those who would imprison us in a country no American wants to live in.  Sincerely, Brenda Bowers  BB

The Government vs. YOU

06/14/2013

Every day, more Americans get trapped by big government. In addition to groups targeted by the IRS, upstanding citizens going about their normal lives are suddenly targeted by law enforcement authorities and charged as criminals. Just a few examples:

 

 

 

USA-v-YOU

These are only a few of the shocking incidents The Heritage Foundation chronicles in our new project, USA vs. YOU. Experts at Heritage’s Edwin Meese III Center for Legal and Judicial Studies reveal the stories of 22 people from all backgrounds, races, and income levels victimized by carelessly written laws.

Get the FREE e-book USA vs. YOU now >>

When criminal laws are created to “solve” every problem, punish every mistake, and compel the “right” behaviors, this troubling trend is known as overcriminalization. Ultimately, it leads to injustice for honest, hard-working Americans at every level of society.

Public interest groups from across the political spectrum recognize how this flood of criminal laws violates our basic liberties. Diverse organizations including the American Civil Liberties Union, the National Association of Criminal Defense Attorneys, the American Center for Law and Justice, and Right on Crime, among others, have joined with Heritage to reaffirm the true purpose of America’s justice system: to ensure public safety and protect the innocent.

When was the last time you saw the ACLU work together with a faith-based group like Justice Fellowship? WithUSA vs. YOU, the problem is grave enough to bring together unlikely allies. And we’re delivering this bipartisan message just as the House of Representatives has launched a task force aimed at correcting this issue.

This morning, Heritage Senior Legal Fellow John Malcolm will testify at the first hearing of the Overcriminalization Task Force—shining a spotlight on the scope and severity of this threat to our liberties. Ending the practice of trapping our citizens with unnecessary laws will be no easy task, with an estimated 4,500 criminal law offenses and 300,000 criminal regulations on the books.

Experience the stories of Americans like you treated unjustly – download the FREE e-book now >>

Over the next six months, Members of Congress from both parties will study this issue in depth, hold hearings, and—with the right encouragement—take steps to enact real reform.

This new effort includes tools for you to raise your voice and make a difference in defending our liberties. So explore the documented stories in USA vs. YOU, follow the links, and take real action today to help turn the tide.

Read the Morning Bell and more en español every day at Heritage Libertad.

Quick Hits:

  • President Obama has changed his policy on Syria, saying that Bashar al-Assad used chemical weapons and that the U.S. will provide military support to the rebels.

 

 

 

  • Investigative journalist James O’Keefe has produced some shocking stories of corruption. In a new book, hedetails his undercover work with Project Veritas.

 

  • For decades, inappropriate IRS behaviors have been revealed. Each time, the agency has assured the public that it takes these breaches “very seriously.”

 

I sincerely hope my readers have been watching FOXNEWS and the revelations coming out about our current government.  Not that some of what is happening hasn’t been done before but this President  has made making the United States a police state a major goal of his administration and I am sooo happy the stuff has finally hit the fan.  I especially enjoy the outrage of my sister-in-law who voted for him because “Romney hates poor people!”.  Obama so loves poor people that he wants to gather them all under his benevolent arms and tell them exactly what to wear, eat, speak and especially vote.  And to ensure that they do all these things as he directs he puts his dogs on them when they refuse to listen to papa.   Do read the following article to bring yourself up to date on the agency that will implement and control Obamacare and is now under the gun for doing their part to make sure that Obama was elected in 2012.  BB

 

The IRS and Obamacare, by the Numbers

06/05/2013

Chilling new details emerged yesterday about the IRS targeting scandal, as representatives from six conservative groups testified before Congress about the scrutiny and demands they faced from Obama administration bureaucrats.

Yesterday’s testimony reminded us once again why Washington bureaucrats cannot be trusted, and why Americans should be so concerned about the new powers granted to the IRS as a result of Obamacare.

These powers are so vast, in fact, they’re difficult to put into words. So instead, we decided to give you the numbers:

18New taxes in Obamacare, including 12 that directly violate then-Senator Barack Obama’s “firm pledge” to those making under $250,000 per year that he would not “raise any of your taxes.”

47—New provisions Obamacare charges the IRS with implementing, according to the Government Accountability Office.

$695Tax for not buying “government-approved” health insurance the IRS will be charged with enforcing on all Americans.

1,954—Full-time bureaucrats the IRS wants to devote to Obamacare implementation and enforcement in the upcoming fiscal year.

60,000,000—Medical records the IRS has been charged with improperly seizing, raising concerns about whether the agency can handle the personal health insurance information all Americans will be required to submit to the IRS.

$439,584,000—The IRS’s request for new spending on Obamacare implementation in the upcoming fiscal year; the request did not specify how much of those funds the IRS will spend on the “Cupid shuffle.”

6,100,000,000—Man-hours Americans already devote to tax compliance, according to the National Taxpayer Advocate, a burden that will rise significantly thanks to Obamacare.

$1,000,000,000,000—New revenue raised by Obamacare in its first 10 years alone, according to the Congressional Budget Office, sums that will only rise in future decades.

If ever there were an argument as to why Obamacare should be repealed and defunded, these numbers—coupled with the IRS revelations of recent weeks—tell the tale.

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IRS on
Steroids

Quick Hits:

 

 

 

 

 

 

 

 


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