IRS: Cheapest qualifying family health-insurance plan will be $20K

posted at 1:51 pm on February 1, 2013 by Ed Morrissey

Starting next year, the IRS will assume responsibility for telling Americans just what kind of health insurance they must buy in order to … well, breathe free air, or something.  Taxpayers will have to submit proof of health-insurance coverage along with their W-2s, and that health insurance has to meet minimum guidelines, which are classified by the IRS as “bronze,” the lowest of four tiers identified for tax purposes.  And the average cost of a bronze plan for a family of four? Such a family will have to fork out twenty thousand dollars in health insurance:

In a final regulation issued Wednesday, the Internal Revenue Service (IRS) assumed that under Obamacare the cheapest health insurance plan available in 2016 for a family will cost $20,000 for the year.

Under Obamacare, Americans will be required to buy health insurance or pay a penalty to the IRS.

The IRS’s assumption that the cheapest plan for a family will cost $20,000 per year is found in examples the IRS gives to help people understand how to calculate the penalty they will need to pay the government if they do not buy a mandated health plan.

The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.

If you’re thinking that a family could buy a good solid family car for that kind of cash and do better, you’d be right.  Let’s assume that a family of four has a wellness check for each adult once a year, and the kids have two.  If a full-scale wellness check costs $500 — and it’s probably considerably less — that’s $3,000.  If little Susie breaks her leg on a jungle gym at school, add in another $1000 for emergency room treatment and ongoing follow-up.  Mom may get a mammogram for another $1000.  That still brings us to $5000, or only a quarter of what they’re paying for coverage every single year under the new regulations.

Of course, one or more of them may end up in the hospital, at which point the coverage costs get a little more rational.  However, I just had outpatient back surgery, which cost in total less than the plan costs assumed by the IRS as a minimum (~$13,000, most of it covered by insurance, including doctors, hospital, anesthesiologist, follow-ups).  Besides, until the passage of ObamaCare, a family could choose to purchase hospitalization coverage (aka “catastrophic” insurance) rather than comprehensive, and choose to treat routine maintenance and non-hospitalization costs through pre-tax health-savings accounts (HSAs).  Most families would save a fortune in doing so, and the elimination of third-party payers in the system would restore real price signals, which would actually bend the cost curve downward.  Families might choose comprehensive insurance anyway to guard against catastrophic risk, but before ObamaCare, they at least had the opportunity to choose a wiser path.

Instead, if you choose financial sanity, this is what happens:

Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a “penalty” (a word the IRS still uses despite the Supreme Court ruling that it is in fact a “tax”) of $2,400 in 2016.

Heck, even that sounds like less of an incentive when you stack it up against the projected retail costs of the care and the premiums.  Unfortunately, that choice will be stripped from most consumers, as the hospitalization-only insurance plans will be dismantled under ObamaCare.  Families will be stuck paying far more in coverage than they’ll spend on care, and taxpayers will be stuck subsidizing those costs for families that earn less than $88,000 a year (400% of poverty line).

Where will all that extra money go?  It’s going to end up subsidizing the high-risk members of the risk pool, who will no longer have to pay a significantly higher premium based on their own risk, and for older members of the risk pool, who utilize medical providers far more often.  It’s a shell game, and it’s the taxpayers who are the marks.

Update: The Wall Street Journal’s Daniel Kessler argues that every claim made to push ObamaCare has been proven false:

• Lower health-care costs. One key talking point for ObamaCare was that it would reduce the cost of insurance, especially for non-group insurance. The president, citing the work of several health-policy experts, claimed that improved care coordination, investments in information technology, and more efficient marketing through exchanges would save the typical family $2,500 per year.

That was then. Now, even advocates for the law acknowledge that premiums are going up. In analyses conducted for the states of Wisconsin, Minnesota and Colorado, Jonathan Gruber of MIT forecasts that premiums in the non-group market will rise by 19% to 30% due to the law. Other estimates are even higher. The actuarial firm Milliman predicts that non-group premiums in Ohio will rise by 55%-85%. Maine, Oregon and Nevada have sponsored their own studies, all of which reach essentially the same conclusion. …

• Smaller deficits. Increases in the estimated impact of the law on private insurance premiums, along with increases in the estimated cost of health care more generally, have led the Congressional Budget Office to increase its estimate of the budget cost of the law’s coverage expansion. In 2010, CBO estimated the cost per year of expanding coverage at $154 billion; by 2012, the estimated cost grew to $186 billion. Yet CBO still scores the law as reducing the deficit.

How can this be? The positive budget score turns on the fact that the estimated revenues to pay for the law have risen along with its costs. The single largest source of these revenues? Money taken from Medicare in the form of lower Medicare payment rates, mostly in the law’s out-years. Since the law’s passage, however, Congress and the president have undone various scheduled Medicare cuts—including some prescribed by the law itself. ….

• Preservation of existing insurance. After the Supreme Court upheld the constitutionality of health reform in June 2012, President Obama said, “If you’re one of the more than 250 million Americans who already have health insurance, you will keep your insurance.” This theme ran throughout the selling of ObamaCare: People who have insurance would not have their current arrangements disrupted.

This claim is obviously false. Indeed, disruption of people’s existing insurance is one of the law’s stated goals. On one hand, the law seeks to increase the generosity of policies that it deems too stingy, by limiting deductibles and mandating coverage that the secretary of Health and Human Services thinks is “essential,” whether or not the policyholder can afford it. On the other hand, the law seeks to reduce the generosity of policies that it deems too extravagant, by imposing the “Cadillac tax” on costly insurance plans.

All this proves is that Congress can’t do math.


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Medical Tourism Expands As Alternative to Obamacare

Club Med just took on a whole new meaning.

TxAnn56 on February 1, 2013 at 2:40 PM

Cheapest qualifying family health-insurance plan will be $20K

You thought subsidizing birth control for slu…. modern, empowered womyn was going to be cheap?

mudskipper on February 1, 2013 at 2:40 PM

The prairie is bone dry and the Donks pass out matches. Well done!

Limerick on February 1, 2013 at 2:41 PM

Unions will be fine. One word solution: WAIVER.

Archivarix on February 1, 2013 at 2:40 PM

Doubtful. If unions get waivers from costs like these while the rest of us get the shaft, Obama will have an unbelievable sh-tstorm raining down on him.

Doughboy on February 1, 2013 at 2:42 PM

…and in the meantime, stock up on food, guns, ammo and liquor. It’s going to be a long and dark night.

trapeze on February 1, 2013 at 2:37 PM

Don’t forget cigarettes. It worked for William Holden in Stalag 17.

TxAnn56 on February 1, 2013 at 2:43 PM

You thought subsidizing birth control for slu…. modern, empowered womyn was going to be cheap?

mudskipper on February 1, 2013 at 2:40 PM

It’s not the sluts I’m concerned with. At least, they and their amazing availability have a purpose in the society. It is the free ride for urban welfare parasites and illegal Mexican scum that I am concerned with.

Archivarix on February 1, 2013 at 2:44 PM

Paging vebaluce, chump, lost, snarkvader, red courtesy phone, you have a call.

Bmore on February 1, 2013 at 2:45 PM

Cigs are a must. :-)

tommy71 on February 1, 2013 at 2:45 PM

B, you forgot libcryordie.

tommy71 on February 1, 2013 at 2:46 PM

IT DIDNT GET DISMANTLED. Our last chance was Romney.

El_Terrible on February 1, 2013 at 2:32 PM

Precisely. Hence the girded loins.

Polish Rifle on February 1, 2013 at 2:47 PM

Doubtful. If unions get waivers from costs like these while the rest of us get the shaft, Obama will have an unbelievable sh-tstorm raining down on him.

Doughboy on February 1, 2013 at 2:42 PM

He cares not a whit for as long as MSM knob-polishers can hold an umbrella for him.

Archivarix on February 1, 2013 at 2:47 PM

Ah, I remember well Eva strutting around the office in ’08 just a giggling over her pending free healthcare. What a wonderful sight it was, and will be.

Limerick on February 1, 2013 at 2:48 PM

tommy71 on February 1, 2013 at 2:46 PM

Thanks tommy71.

Paging vebaluce, chump, lost, snarkvader, libfreeordie, red courtesy phone, you have a call.

Bmore on February 1, 2013 at 2:45 PM

Bmore on February 1, 2013 at 2:48 PM

The entire concept of arbitrary “waivers” raises major equal protection constitutional issues.

tommyboy on February 1, 2013 at 2:48 PM

Ya know, as a kid I entertained, the philosophical “I wonder how I’m going to die” exercise. Never once did “shot in a civil war forced upon us by the federal government in pursuit of an unconstitutional denial of explicit freedoms” come to mind. So here I am in my 50s, and that’s what’s on my mind.

TxAnn56 on February 1, 2013 at 2:35 PM

Early 40′s here, and you are not alone.

Polish Rifle on February 1, 2013 at 2:48 PM

Just so I don’t miss any of them.

Paging,
air_up_there
akaniku
AlexB
Alpha_Male
antifederalist
bayam
Can.I.be.in.the.middle
chumpThreads
Constantine
cornfedbubba, partial ban?
Daikokuco.
damian1967
Dave Rywall
daveylovesgoliath
DBear
easyt65
ernesto
El Txangurro
gumbyandpokey
HotAirLib this one goes by HAL when you speak at it. ; )
iwasbornwithit
JohnAGJ
kaltes
LevStrauss
libfreeordie
lostmotherland
loveofcountry
Magnus
Mmm…Burritos
nathor
nazo311
nonpartisan
Pablo Honey
Politricks
Ric
Robb
robertnyc212
segasagez
sesquipedalian
Sojobo
Stone Krab
tdpwells
tlynch001
Typhonsentra
U2denver
urban elitist
whbates
Wilbur
Your Mamma loves me
YYZ
ZippyZ

red courtesy phone, you have a call.

Bmore on February 1, 2013 at 2:50 PM

Maybe we need to trade in a different currency out here and not tell them.

DanMan on February 1, 2013 at 2:50 PM

The entire concept of arbitrary “waivers” raises major equal protection constitutional issues.

tommyboy on February 1, 2013 at 2:48 PM

So it does. But Obama says “eff you, and eff your stinking Constitution”. What are you gonna do – petition John Roberts?

Archivarix on February 1, 2013 at 2:52 PM

But, but, but, the system works! Just ask Townhall.

Limerick on February 1, 2013 at 2:53 PM

TxAnn56 on February 1, 2013 at 2:35 PM

good stuff there, funny in a dead serious kind of way

DanMan on February 1, 2013 at 2:53 PM

Bmore, you’re missing Tom_Shipley.

Also, looks like the assumed best are on the dole.

Schadenfreude on February 1, 2013 at 2:54 PM

Allow me to bring back this Obamacare-a-holic, who recently went into “recovery”:

Obamacare Supporter Gets Mugged By Reality…Pure Schadenfreude Ensues

Like a fine wine, it gets better and better with age. It’s not like we didn’t warn him for MORE THAN 2 YEARS THAT THE ANAL RAPE HE IS NOW EXPERIENCING WASN’T EXACTLY WHAT WAS GOING TO HAPPEN…..

Oh wait…WE DID.

Anyhoo, thanks to the IRS’ announcement pertaining to Obamacare, Merriam-Webster’s Dictionary would like you to know that it has revised the definition of “free.” It now reads, as follows:

Free: The sum of $20,000 USD.

As in: “I only thought that I would love the FREE healthcare that President Barack Obama was going to give me! Can I get a Mulligan, please?”

Comedy + Schadenfreude = Comedenfreude

Resist We Much on February 1, 2013 at 2:55 PM

What will the Gold Plan cost?

Or is that one even available to the little people?

Curtiss on February 1, 2013 at 2:21 PM

Gold Plan (aka Cadillac Plan): The ObamaCare exclusion that the goons in congress gave themselves.

SteveInRTP on February 1, 2013 at 2:57 PM

Time to separate the US into two countries. Those who want to live under the laws of the Blue regime can move to the Blue Republic and those of us who want to experience freedom, personal responsibility and fiscal responsibility can move to the Red Republic.

Since I live in Illinois, I will be packing up my truck…

Old Fritz on February 1, 2013 at 2:57 PM

Bmore, you’re missing Tom_Shipley.

Also, looks like the assumed best are on the dole.

Schadenfreude on February 1, 2013 at 2:54 PM

And Bmore also forgot lester, last seen servicing Hillary Clinton in Headlines.

Del Dolemonte on February 1, 2013 at 2:57 PM

So here I am in my 50s, and that’s what’s on my mind.

TxAnn56 on February 1, 2013 at 2:35 PM

C/b a very noble way to go.

Schadenfreude on February 1, 2013 at 2:58 PM

ObamaCare, designed to FAIL since Day One.

Here’s a thought, everyone who voted for JugEars, gets put on ObamaCare. Everyone else gets to choose what they want.

GarandFan on February 1, 2013 at 2:58 PM

Bmore on February 1, 2013 at 2:50 PM

You’re missing verbaluce from your list.

steebo77 on February 1, 2013 at 2:58 PM

Since I live in Illinois, I will be packing up my truck…

Old Fritz on February 1, 2013 at 2:57 PM

Nah, we’ll send you a chainsaw to put a moat around Chicago.

Limerick on February 1, 2013 at 2:59 PM

And Bmore also forgot lester, last seen servicing Hillary Clinton in Headlines.

Del Dolemonte on February 1, 2013 at 2:57 PM

And verbaluce

Schadenfreude on February 1, 2013 at 2:59 PM

Hah, steebo77, just saw your comment. Better twice :)

Schadenfreude on February 1, 2013 at 2:59 PM

What are you gonna do – petition John Roberts?

Archivarix on February 1, 2013 at 2:52 PM

Remember, its not the job of judiciary to protect us from bad laws.

BobMbx on February 1, 2013 at 3:00 PM

Here’s a thought, everyone who voted for JugEars, gets put on ObamaCare. Everyone else gets to choose what they want.

GarandFan on February 1, 2013 at 2:58 PM

Another thought – NO exceptions for congresscritters and Obama et all, and their families, from any laws they force upon the people they’re supposed to represent.

Any exceptions, and they should spontaneously combust.

Why is there not a law against all this?

Are the people this stupid, for all the history of the US?

Schadenfreude on February 1, 2013 at 3:01 PM

You’re missing verbaluce from your list.

steebo77 on February 1, 2013 at 2:58 PM

Er…verbaluce is missing from your list.

Didn’t mean to sound like an English language student in Rotterdam.

steebo77 on February 1, 2013 at 3:01 PM

Hey…I’ve got a GREAT idea. Since we’ll all have these official, Government insurance cards, let’s use them to double as voter IDs! How could the Dems possibly argue wih that?

Kenz on February 1, 2013 at 3:02 PM

Remember, its not the job of judiciary to protect us from bad laws.

BobMbx on February 1, 2013 at 3:00 PM

Just unconstitutional laws – but Roberts proved too cowardly for that job.

DRayRaven on February 1, 2013 at 3:02 PM

Where will all that extra money go?

You missed one of the big ones.

A lot of that extra money will go to cover the costs of implementing the ACA.

The laws of thermodynamics apply to finances (especially government finances) as well. You can never get as much energy (money) out of a system as you put in.

In other words, the more agencies (government & non-government alike) involved, the higher the cost. You’ve got the IRS and the DHHS working with insurance companies and employers (among others) to figure out how best to spend your money. What do people think is going to happen?

taznar on February 1, 2013 at 3:02 PM

I think I see what happened. Here.

air_up_there
akaniku
AlexB
Alpha_Male
antifederalist
bayam
Can.I.be.in.the.middle
chumpThreads
Constantine
cornfedbubba, partial ban?
Daikokuco.
damian1967
Dave Rywall
daveylovesgoliath
DBear
easyt65
ernesto
El Txangurro
gumbyandpokey
HotAirLib this one goes by HAL when you speak at it. ; )
iwasbornwithit
JohnAGJ
kaltes
lester
LevStrauss
libfreeordie
lostmotherland
loveofcountry
Magnus
Mmm…Burritos
nathor
nazo311
nonpartisan
Pablo Honey
Politricks
Ric
Robb
robertnyc212
segasagez
sesquipedalian
Sojobo
Stone Krab
tdpwells
tlynch001
Tom_Shipley
Typhonsentra
U2denver
urban elitist
verbaluce
whbates
Wilbur
Your Mamma loves me
YYZ
ZippyZ

Bmore on February 1, 2013 at 3:02 PM

Families will be stuck paying far more in coverage than they’ll spend on care, and taxpayers will be stuck subsidizing those costs for families that earn less than $88,000 a year (400% of poverty line).

The real problem is going to be what happens to premiums in states that do not open exchanges. While the Feds can open an exchange in those states, Obamacare does only permits subsidies for purchases on state-run exchanges.

If the states that do not open exchanges can keep the premiums down, then the people in the other states are going to be furious. If they can’t, then a lot of, primarily, red state governors are going to be pressured into taking over the exchanges started by the Feds in their states so that their residents can be eligible for subsidies.

States have another reason not to open the exchanges, too. Businesses in states without exchanges do not have to provide insurance or pay the fine, IIRC.

Resist We Much on February 1, 2013 at 3:03 PM

OT

Resist We Much, please find the “Miss me yet” picture with GWB and photoshop it to have Mubarak on it, instead of Bush. Then work a thread/twitter around it. It’s very mise en temp for what’s going on in Egypt, Turkey and all around. Thanks much. You are the talented one.

Schadenfreude on February 1, 2013 at 3:03 PM

What are you gonna do – petition John Roberts?

Archivarix on February 1, 2013 at 2:52 PM

He did, actually, leave an opening for a challenge once the ta-ta-penalty goes into effect.

Resist We Much on February 1, 2013 at 3:04 PM

Another thought – NO exceptions for congresscritters and Obama et all, and their families, from any laws they force upon the people they’re supposed to represent.

Any exceptions, and they should spontaneously combust.

Why is there not a law against all this?

Are the people this stupid, for all the history of the US?

Schadenfreude on February 1, 2013 at 3:01 PM

At least 51%

Kenz on February 1, 2013 at 3:04 PM

Schadenfreude on February 1, 2013 at 3:03 PM

I’ll see what I can do. I’m not real good at beheading people.

Eyebleach.

Resist We Much on February 1, 2013 at 3:05 PM

Jeez B. Thats an extensive list. So many progs on HotGas? What is it, they like to be whipped or sumthin? Kinky, dude.

tommy71 on February 1, 2013 at 3:06 PM

Resist We Much on February 1, 2013 at 3:05 PM

Yikes

Glad you read the message. I’m sure you’ll be excellent at it.

Schadenfreude on February 1, 2013 at 3:06 PM

I’ll see what I can do. I’m not real good at beheading people.

Resist We Much on February 1, 2013 at 3:05 PM

You want me to do it? Here is one you may like to use at some point for your blog.

Bmore on February 1, 2013 at 3:09 PM

Not sure what the rest of you are going to do but if I’m on the hook for 20k then the ER is going to cut my toenails for me.

Limerick on February 1, 2013 at 3:12 PM

FYI here is a site to look up estimated healthcare costs
http://www.healthcarebluebook.com/

Jasper65 on February 1, 2013 at 3:12 PM

The entire concept of arbitrary “waivers” raises major equal protection constitutional issues.

tommyboy on February 1, 2013 at 2:48 PM

As do the exemptions for certain religious groups.

AZCoyote on February 1, 2013 at 3:12 PM

@Limerick rofl

tommy71 on February 1, 2013 at 3:13 PM

At least 51%

Kenz on February 1, 2013 at 3:04 PM

Now – but never in history was such a law enacted. It’s the first thing any sane people should as of their ‘representatives’.

Schadenfreude on February 1, 2013 at 3:14 PM

should ask

Schadenfreude on February 1, 2013 at 3:14 PM

Bmore on February 1, 2013 at 3:09 PM

Would you, please, please, please, with sugar on top…and chocolate sprinkles…and marshmallows…and pistachios…and Oreo crumbles…and chocolate chunks…and Reese’s Pieces…and walnuts…and M&Ms…and chocolate whipped cream…and Irish coffee-flavoured whipped cream…and a cherry…no, make that three cherries?

:-)

Resist We Much on February 1, 2013 at 3:15 PM

Not sure what the rest of you are going to do but if I’m on the hook for 20k then the ER is going to cut my toenails for me.

Limerick on February 1, 2013 at 3:12 PM

LOL. Sure, but you’ll still have to wait in line behind 40 illegal aliens getting their “free” flu shots, stitches (for construction-work related injuries), and pre-natal exams.

AZCoyote on February 1, 2013 at 3:15 PM

AZCoyote on February 1, 2013 at 3:15 PM

Meh..in my 60′s and my SS will be grandfathered by everyone. I’ve nothing to loose as I keep putting straw on the camel’s back.

Limerick on February 1, 2013 at 3:17 PM

Resist We Much on February 1, 2013 at 3:15 PM

Just need the art you want stripped together.

Bmore on February 1, 2013 at 3:17 PM

Would you, please, please, please, with sugar on top…and chocolate sprinkles…and marshmallows…and pistachios…and Oreo crumbles…and chocolate chunks…and Reese’s Pieces…and walnuts…and M&Ms…and chocolate whipped cream…and Irish coffee-flavoured whipped cream…and a cherry…no, make that three cherries?

:-)

Resist We Much on February 1, 2013 at 3:15 PM

that sounds like a mid-morning snack for the mooch!

GhoulAid on February 1, 2013 at 3:17 PM

TxAnn56 on February 1, 2013 at 2:35 PM

Polish Rifle on February 1, 2013 at 2:48 PM

I figured if I lived to see the second decade of the 21st century I would be traveling by flying car, rocketing back and forth from one of the moon colonies and enjoying a fabulously wealthy retirement.

Little did I know that reality the year 2013 would see me having to defend my right to own so much as a musket, having to justify driving a car faster than a golf cart, that American not only doesn’t have colonies on the moon but we have to hitch a ride with Russia to get into orbit and that my fabulous retirement is put on hold because I can carry home $100 dollars worth of groceries home in two flimsy plastic bags.

Heckuva job, Barry!

Lily on February 1, 2013 at 3:17 PM

Bmore on February 1, 2013 at 3:02 PM

Do any of the trolls not listed have the cajones to complain about being left off?

docflash on February 1, 2013 at 3:20 PM

docflash on February 1, 2013 at 3:20 PM

Lol! Not so far. ; )

Bmore on February 1, 2013 at 3:21 PM

Do any of the trolls not listed have the cajones to complain about being left off?

docflash on February 1, 2013 at 3:20 PM

Just sent that to the Townhall e-mail to see if anyone wants to log on with their other screen name.

Limerick on February 1, 2013 at 3:22 PM

Relax, you don’t Reaaaaly have to pay for any of this:

From: http://www.obamacarewatch.org/primer/exchanges-and-premium-subsidies

Premium Subsidies

Households with incomes below 400 percent and above 133 percent of the federal poverty line (FPL) who are enrolled in insurance plans offered through the exchanges are eligible for premium assistance financed by the federal government (Medicaid will cover families with incomes below 133 percent of FPL). In 2010, the FPL is $22,050 for family of four. The new law establishes a sliding scale of assistance based on limitations on required family contributions to the cost of coverage. For instance, at 150 percent of FPL in 2014, ObamaCare limits the amount that such households must contribute toward their health insurance premium to 4 percent of their annual income. At 400 percent of the FPL, households must contribute 9.5 percent of their income toward insurance premiums. Whatever portion of the total health insurance premium for their coverage is not paid by these households is covered by the new federal premium assistance program.

So at $88K you will get it Free!, At $89K it’ll cost you $8455

Of course the deficit will necessarily skyrocket. Oh that’s right, this is being paid for by “savings in Medi-Care”.

What a trainwreck!

can_con on February 1, 2013 at 3:24 PM

Besides, until the passage of ObamaCare, a family could choose to purchase hospitalization coverage (aka “catastrophic” insurance) rather than comprehensive, and choose to treat routine maintenance and non-hospitalization costs through pre-tax health-savings accounts (HSAs).

This is what my family has done for years. We will certainly miss having that option. Thanks for nothing, Zero.

stvnscott on February 1, 2013 at 3:24 PM

Not sure what the rest of you are going to do but if I’m on the hook for 20k then the ER is going to cut my toenails for me.
Limerick on February 1, 2013 at 3:12 PM

Not a great joke.
When my mother was in a long term care center, oh, about 6 years ago, some ‘doctor’ (podiatrist) cut her toenails for her, and charged Medicare $2500 for ‘emergency foot surgery’.

I reported it to Medicare as fraud. They didn’t care. Were unhappy with me for even bothering them with it.

Nor did they care that some ‘physical therapist’ was charging them $15 a minute for playing ‘catch the ball’ with her.

LegendHasIt on February 1, 2013 at 3:24 PM

OT

Resist We Much, please find the “Miss me yet” picture with GWB and photoshop it to have Mubarak on it, instead of Bush. Then work a thread/twitter around it. It’s very mise en temp for what’s going on in Egypt, Turkey and all around. Thanks much. You are the talented one.

Schadenfreude on February 1, 2013 at 3:03 PM

RWM – while you’re at it, could you photoshop this photoshop and replace Bush’s picture with Rubio’s? Thanks and please set up a tab for me since I’m technologically challenged.

TxAnn56 on February 1, 2013 at 3:27 PM

LegendHasIt on February 1, 2013 at 3:24 PM

Who said it was a joke? Unless you missed it I don’t think the system is fixable. There is no CPR for it. That is my take. If the only way I can fight is to bankrupt it I damn sure will. If there is a ‘benefit’ I’m missing I assure you I will work my grey hardest to find it. Until the ‘system works’ folks wake the hell up nothing is going to change, except your bottom line.

Limerick on February 1, 2013 at 3:29 PM

Unbelievable.

FerdtheMoonCat on February 1, 2013 at 3:36 PM

Crash the system.

Don’t pay for insurance until you need it. Pay the fine.

If you get sick and need very expensive care then you can buy the insurance. You can’t be denied for a pre-existing condition after the end of this year.

This is the new normal. We all get to be deadbeats.

trapeze on February 1, 2013 at 2:35 PM

IIRC, there’s no enforcement mechanism (other than the IRS withholding some of your money if you’re due a refund) in Obamacare if you refuse to pay the fine. People could just decrease their automatic withholding to ensure that they won’t get a refund, and then refuse to pay the fine.

Also, somebody pointed out the other day that waiting to get sick before buying health insurance would not work if you were in an accident and knocked unconscious, or if you had a condition that caused you to go into a coma, since you’d be unable to sign the insurance application. Seems to me that if someone really wanted to go without insurance, they’d be smart to give a family member (or someone else they trust) a limited power of attorney, authorizing them to fill out and sign a health insurance application for them in the event they were incapacitated and in need of medical care.

If you think our health care system is plagued by fraud now (and it is, Medicare alone accounts for over $30 billion in fraud every year), it is going to get exponentially worse once Obamacare is in full force. What a friggin’ disaster this thing is.

AZCoyote on February 1, 2013 at 3:36 PM

Limerick on February 1, 2013 at 3:29 PM

Yeah. That is one way to do it, and one I considered a few years ago.

The glow from Wyatt’s Torch can be seen from the Gulch, and it is an inspiring sight;
But I just can’t bring myself to steal from my ex-neighbors and their children and grandchildren, even if any of them voted for 0bama, to do what you intend do.

LegendHasIt on February 1, 2013 at 3:39 PM

LegendHasIt on February 1, 2013 at 3:39 PM

Oh, I don’t consider myself a goon, but at my age what choice to I have? I have my SS. I have a bare min to get down the rest of the road. If Uncle Sugar puts up a stop sign I’m running it. I don’t care if everyone has a web cam on me.

Limerick on February 1, 2013 at 3:42 PM

So, why shouldn’t I drop healthcare for all my employees and give them extra money to pay the fine? I could also offer to pay for insurance if they actually get sick.

There is no way in hell I can pay even a portion of a premium that is $20,000 for each employee. Insurance costs are already breaking me now. Obamacare might finish my company off.

ReaganWasRight on February 1, 2013 at 3:42 PM

Can we please stop calling it “insurance?” Insurance premiums are based on risk analysis. If everybody is guaranteed coverage it is an entitlement for the poor/lower income Americans who are receiving subsidies and a punishment for those who are paying crazy premiums for services they will not use.

hopeful on February 1, 2013 at 3:44 PM

TxAnn56 on February 1, 2013 at 3:27 PM

Worth exactly what you’re paying me for it.

Bmore on February 1, 2013 at 3:46 PM

Not so rational with $13,000 surgery or more Ed.

The annual deductible in the platinum plan is $250 – in the bronze plan it’s almost $2,000. The cap for out-of-pocket medical expenses in the platinum plan is roughly $1,000 – in the bronze plan it’s just over $6,000.

Add $6,000 in deductables to the $20,000 you pay for insurance and it gets unrealistic.

Skyrocking health care is a understatement, more like forced slavery to pay for everybody else.

plutorocks on February 1, 2013 at 3:46 PM

By the time this is realized by more than 50 percent of America, the Democrats will have squarely placed the blame on the Republicans, ie.. poor economic growth. It is past time for conservatives to start screaming, rational thought appears to not be working.

DDay on February 1, 2013 at 3:48 PM

How on earth is this catastrophe going to move forward? $20k for annual premiums? Dysfunctional and chaotic implementation? This is insanity and those utopians refuse to acknowledge reality.

karenhasfreedom on February 1, 2013 at 3:48 PM

Sorry, my Math was off (in a rush)

Under 133% of FPL, you are gonna be served by Medicaid (Under $29,326)

At 133% of 2010 FPL: (Family income of $29,326), you pay 4% or $1,173 (Feds pick up the difference.)

Sliding scale up 400% of FPL (Family income of $88,200), you pay 9.5% or $8,379, Feds pick up the difference).

Subsidized healthcare for up to 400% of of FPL.

That is not mentioned in the CBS article Ed linked to above.

can_con on February 1, 2013 at 3:49 PM

Just need the art you want stripped together.

Bmore on February 1, 2013 at 3:17 PM

Schad wants Mubarak’s face superimposed on the Bush “Miss me yet?” picture. Yeah, there’s the skin colour difference to screw with, too, but since you volunteered…

:-)

that sounds like a mid-morning snack for the mooch!

GhoulAid on February 1, 2013 at 3:17 PM

I had heard she was abandoning “Let’s Move,” but now Drudge has a story up that they’ve declared war on school lunches.

FLOTUS, diet yourself.

:-)

TxAnn56 on February 1, 2013 at 3:27 PM

I’ll see what I can do. Bmore might give it a try, too.

Resist We Much on February 1, 2013 at 3:49 PM

Just need the art you want stripped together.

Bmore on February 1, 2013 at 3:17 PM

Take this picture and put Mubarak into it, instead of GWB, then alert RWM. She’ll take it from there.

Schadenfreude on February 1, 2013 at 3:49 PM

TxAnn56 on February 1, 2013 at 3:27 PM

You might like this one that I did when Bush and McCain were trying to do it.

I sent hundreds of them out to campaign offices etc. They look real, with a decent ink jet printer at first glance, and thousands of other people downloaded the image and used it as well.

LegendHasIt on February 1, 2013 at 3:50 PM

I’ll see what I can do. Bmore might give it a try, too.

Resist We Much on February 1, 2013 at 3:49 PM


Is this what she wants?

Bmore on February 1, 2013 at 3:50 PM

I don’t mind going but if those SOBs in DC think they are safe, my suggestion take all your ill gotten gains and leave the country.

stormridercx4 on February 1, 2013 at 3:50 PM

Just need the art you want stripped together.

Bmore on February 1, 2013 at 3:17 PM

Plus, this

TxAnn56 on February 1, 2013 at 3:27 PM
I’ll see what I can do. Bmore might give it a try, too.

Resist We Much on February 1, 2013 at 3:49 PM

Schadenfreude on February 1, 2013 at 3:50 PM

Resist We Much on February 1, 2013 at 3:49 PM

It takes FLOTUS two trips to haul a–.

kingsjester on February 1, 2013 at 3:51 PM

karenhasfreedom on February 1, 2013 at 3:48 PM

Simple. The MSM and Uncle Sugar Union will just go after the fat cats. That is until there are no more fat cats. That is when I suspect the ‘fixable’ crowd will start for the exits, after they are blocked.

Limerick on February 1, 2013 at 3:52 PM

Is this what she wants?

Bmore on February 1, 2013 at 3:50 PM

Perfect. One down.

————–

Also, Legend just provided a good one for Ann.

You’re all so cool.

Schadenfreude on February 1, 2013 at 3:52 PM

IIRC, there’s no enforcement mechanism (other than the IRS withholding some of your money if you’re due a refund) in Obamacare if you refuse to pay the fine. People could just decrease their automatic withholding to ensure that they won’t get a refund, and then refuse to pay the fine.

AZCoyote on February 1, 2013 at 3:36 PM

The IRS has the power to garnish wages, apply liens, and raid bank accounts. The law may not explicitly have an enforcement mechanism, but you can be sure they will read it into the law, regulate it into existence, or tack it onto another bill in the near future.

stvnscott on February 1, 2013 at 3:52 PM

Wait a minute…

Didn’t Obama tell us that his “fix” would be cheap?

Sorry, my bad. Obama is so stupid that when he meant “cheap,” he actually meant “expensive as hell!” I forgot that “wrong way” Obama always f*cks things up so they end up the opposite of what he promised.

No problem, the left has always wanted to throw the children of low income families out into the streets anyway. I’m just amazed on how many stupid people in this country bought Obama’s lie.

Barack Hussein Obama, mmm mmm mmm!

Kingfisher on February 1, 2013 at 3:52 PM

Bmore on February 1, 2013 at 3:46 PM

Wow, you are fast and good. It took me DAYS to get mine right when I was doing it years ago. (I have several more designs, but they aren’t accessible at the moment.)

LegendHasIt on February 1, 2013 at 3:54 PM

stvnscott on February 1, 2013 at 3:52 PM

Knowing Uncle you can bet it will be in the Chocolate Standards Bill or the Kitty Litter Bill.

Limerick on February 1, 2013 at 3:55 PM

Bmore, my “please” was implied, but I should have used it. Sorry – nothing taken for granted.

Thank you for your efforts.

Schadenfreude on February 1, 2013 at 3:56 PM

By 2016 there will either be so few working people left that the system will implode from lack of tax revenue, or we will have fully shifted to a dictatorship and will be in the midst of another civil war.

Or both.

It was great knowing you America.

Meople on February 1, 2013 at 3:58 PM

Is this what she wants?

Bmore on February 1, 2013 at 3:50 PM

Purrrfect.

Resist We Much on February 1, 2013 at 3:59 PM

Ya know, as a kid I entertained, the philosophical “I wonder how I’m going to die” exercise. Never once did “shot in a civil war forced upon us by the federal government in pursuit of an unconstitutional denial of explicit freedoms” come to mind. So here I am in my 50s, and that’s what’s on my mind.

TxAnn56 on February 1, 2013 at 2:35 PM

Early 40′s here, and you are not alone.

Polish Rifle on February 1, 2013 at 2:48 PM

Early 40′s here and I’m thinking the same thing. But my wife doesn’t understand. She happened to ask once what would I do if officers came to confiscate my SKS. I said I’d let them have it… but I wouldn’t be around long after that. It took her a while to understand. But she’s not as plugged into politics like I am. She thinks Preppers are nuts. I’m thinking they may be the only smart ones around…

dominigan on February 1, 2013 at 4:02 PM

Schadenfreude on February 1, 2013 at 3:49 PM


Quicky
. Close enough?

Bmore on February 1, 2013 at 4:02 PM

Thank you, President Romney.

portlandon on February 1, 2013 at 4:02 PM

All this proves is that Congress can’t do math. sucks…

PatriotRider on February 1, 2013 at 4:03 PM

The IRS has the power to garnish wages, apply liens, and raid bank accounts. The law may not explicitly have an enforcement mechanism, but you can be sure they will read it into the law, regulate it into existence, or tack it onto another bill in the near future.

stvnscott on February 1, 2013 at 3:52 PM

Harder to do that if you switch to barter or only deal in cash. I know some small rural operations that have already started to use that approach…

dominigan on February 1, 2013 at 4:04 PM

portlandon on February 1, 2013 at 4:02 PM

No kiddin’.

kingsjester on February 1, 2013 at 4:04 PM

Skyrocking health care is a understatement, more like forced slavery to pay for everybody else.

plutorocks on February 1, 2013 at 3:46 PM

“Reparations don’t go far enough.”

B. Obama

Kungfoochimp on February 1, 2013 at 4:05 PM

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