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Obamacare: The Biggest Loser

Our Boomer-In-Charge at BBHQ, Hershel Chicowitz, writes about boomer memories and current events... from a boomer’s perspective. He is sometimes funny, sometimes provocative, some-
times a little of each. We hope you get a kick out of our Boomer Essays.

There is so much fraud, misdirection and plain, old political chicanery buried in Obamacare that it will take years to, as Nancy Pelosi noted, to find out what’s in the bill. But by then, of course, it will be “too big to fail.” That, of course, is intentional. But it is no secret who the biggest losers are. The voters who were most supportive of the man from hope and change are the ones who will be most cheated by it. And it’s not buried deep in the 2,700 pages of the law. It’s right there in front of us.

This essay is available in its entirety to all visitors. Enjoy!

July, 2012 —

So let it be written; so let it be done.

One of the many lessons that we should learn from the Supreme Court's ruling on the misnamed “Affordable Care Act” is that it is the responsibility of the Supreme Court to determine if a law abides by the Constitution, not whether the law is just, right, fair, or reasonable. And right or wrong, the Court has made that decision.

For most of my adult life, I lived... and lived reasonably well, without the benefit and without the cost of health insurance. My health insurance was my lifestyle and my good judgment. I paid attention; I took care of myself. When I needed the services of the health care industry, I paid cash. It worked well for both me and the industry.

By doing so, I avoided having to pay for health insurance that I did not need and did not want. Yes; I did carry a major medical policy. But the difference between the cost of that and the cost that most people pay for standard health care insurance today saved me tens of thousands of dollars. Literally.

Think of it. In today's dollars, I saved roughly $100 a month, $1,200 a year, for 30 years. Take away from that the money that I did pay for medical expenses – and it amounts to over $30,000!

Thirty thousand dollars... tax-free! Money in my pocket!

But this story is not about me. I am not so very different from most people. (Well, maybe I am, but not in this context.) Many of my friends and colleagues did the same thing. And those who did not, at least had a choice. They could decide how they would cover their health care costs.

Freedom of choice. It was our choice.

Not any more.

That freedom has been taken away from every American — living, and as yet unborn.

There is so much fraud, misdirection and plain, old political chicanery buried in Obamacare that it will take years to, as Representative Nancy Pelosi noted, to find out what's in the bill. But by then, of course, it will be “too big to fail.” That, of course, is intentional. And so, hundreds of millions of Americans will be forever saddled with yet another monstrous, destructive, and ineffective government bureaucracy.

But it is no secret who the biggest losers are. The voters who were most supportive of the man from hope and change are the ones who will be most crippled by it. That reality not buried deep in the 2,700 pages of the law. It is right in front of us.

The biggest losers of Obamacare are today's young adults... those people like I was thirty years ago who now have no choice. They will be forced to pay for insurance that they probably do not need and they may not want. (After they find out how much it will really cost, for certain they will not want it.)

The government will force young and healthy individuals (employed or not) to subsidize health care costs for the elderly and the irresponsible. Over the next 40 years, members of the boomer generation will incur enormous medical costs. Much of that cost will be borne by the young and the healthy. And they have no choice in the matter. Their freedom to choose has been stolen from them by a Congress so greedy for power and a president so blinded by bitterness and so terribly misguided that it will hinder them for their entire lives.

And by the time they reach old age and need significant medical care, the best health care in the world will likely be deprived from them. The money to pay for it simply will not be there. That is not a political or social judgment. It is simply an issue of reality. So, yes; there will be rationing of health care... massive rationing. It will hit first and hardest today’s young adults — those who were most enthusiastic about hope and change.

This preventable but now likely unavoidable calamity is not the fault of Chief Justice John Roberts or the other members of the Supreme Court. The fault, dear friends, lies mostly with ourselves.

It was our choice - our vote. And we chose poorly; terribly poorly.

Because we were too selfish, or too inattentive, or too delusional, or just too irresponsible to pay attention and do the right thing.

So let it be written; so let it be done.

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In September, 2013, the Wall Street Journal reported on the insurance cost for a 27 year-old in the new exchange versus the current cost.

Click to enlarge/shrink

Generally, the new exchange rates are often twice as much, sometimes more than three times the current rate.


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