So easy a 20-year-old could do it

When three 20-year-old computer programmers managed to build an Obamacare website in mere days with more bells and whistles than healthcare.gov, and it actually worked, the Obama administration’s ineptness was further exposed.  One of the programmers noted that

healthcare.gov’s problem was it didn’t offer the plans and the prices up front.  Instead, it requires applicants to enter all of the their personal information - including some odd questions about personal habits having nothing to do with health care - before it reveals the applicant’s cost.

The website designed by the young programmers works much like the health insurance calculator that’s been up for months at the Kaiser Family Foundation website.  The Kaiser website asks you your age, number of dependents and whether any of those to be covered are smokers.  Then it calculates not only how much your policy will cost but how much of a subsidy you’ll get.  Healthcare.gov waits until the last moment to reveal that information.

Can you imagine finding a product on Amazon.com and being required to enter in your credit card information and address before it tells you how much the product will cost?  And they wonder why only 3 percent of eligible applicants have signed up. 

The young programmers were scratching their heads at the simple “error” in healthcare.gov but it’s no error.  It’s by design.  Some news reports suggest the healthcare.gov site was originally designed to show you the prices first but someone in the Obama administration had that idea scrapped and the site had to be redesigned at the last minute.  That may partially explain why it’s been error-plagued.

So, why would the administration not want you to see the prices up front?  They still claim that most people will save money through the exchanges.  Were that true they would gladly post the costs up front to attract more applicants.  The truth is there’s no way most people will save money.  If that were the case the whole program would be upside down from day one, despite Obama’s contention that Obamacare will reduce the deficit, not add to it.

Supporting that contention is Jonathan Gruber, an MIT economics professor and one of the architects of the Massachusetts plan.  He admitted to Politico.com that in order for Obamacare to work the insurers must cancel lower-premium plans for healthy patients in order to drive them to the exchanges.  There’s no “free lunch,” he told Politico.  He says Obamacare is structured on the assumption that health insurance companies that chose to be a part of the exchanges would get a defined number of customers.  That’s why they’re canceling policies and sending them to the exchanges.  Once there, these same customers are finding their premiums have doubled or tripled or worse.

When you understand that you understand why the Colorado exchange ran print and Internet ads featuring young white males doing keg stands urging them not to blow their beer money on healthcare.  Join the exchange, they were urged.  Why?  Because the “keg-standers,” who are primarily 26 to 32-year-old white males, are the least likely to use health services.  Obamacare has to have them to pay for those who are high risk.  The only problem is the keg-standers aren’t showing up at the exchanges.  And why would they?  More than likely they get their insurance through their employer and even if they don’t, they’re low-risk enough to get a cheaper policy through a private exchange unassociated with Obamacare.

The whole program was doomed to failure from the start.  And Obama knew it.  He just hoped you’d never find out.

Phil Valentine is the host of the award-winning, nationally syndicated talk radio show, The Phil Valentine Show.

It's your economy, stupid

Now that Syria has sort of blown up in President Obama’s face he’s once again turned to the economy.  In a speech marking the fifth anniversary of the demise of Lehman Brothers the president sought to take credit for anything he could find good in the economy and blame the rest on the Republicans.  Nice try, Mr. President, but the people are no longer buying it.

He bragged about 7.5 million private sector jobs he has created but the facts tell a completely different story.  The fact is there have only been a little over a million jobs created since Obama took office.  This is one of the slowest, if not the slowest, recoveries from a recession in the history of the country.  Why?

Well, for starters, George W. Bush and the Republicans have nothing to do with it.  Consider this.  Obamacare is turning the American work force into part-timers.  There are stories every day of companies that are cutting employee hours so they don’t have to bear the sticker shock of higher healthcare costs under Obamacare.  And the working poor are being hurt the most.  Here’s the reason.  Obamacare mandates that an employee pay no more than 9.5 percent of their income on health insurance.  Of course, health insurance is a fixed cost so, naturally, it’s a bigger percentage of someone’s salary making $30,000 than it is someone making $300,000.  So, if your employer is now paying 60 percent of your health insurance they don’t have to pay more money for the higher-salaried employee but they do for the lower-salaried employee.

Consider this example.  The Kaiser Family Foundation says the average family insurance plan is now just north of $16,000.  For that employee who’s making $300,000 by law they can’t pay more than $28,500 of their salary toward health insurance.  So even if they were footing the whole bill their employer wouldn’t be obligated to pay anything toward their health insurance.

Now let’s take the employee making $30,000.  By law they can’t pay more than $2,850 toward their health insurance.  If their employer is now paying 60 percent they’re paying $9,600 of that $16,000 health insurance tab.  Under Obamacare they’ll be required to pay $13,150 or 82 percent of that person’s health insurance.  Now do you understand why lower-paid employees are getting cut back to under 30 hours?  If you’re employed under 30 hours then your employer isn’t required to pay a dime of your health insurance.

We also have far more people trapped on welfare since Obama changed the standards during the recession.  More people on welfare means fewer people working.  Obama’s EPA has waged war against the oil and coal industries, killing tens of thousands of jobs in the process.  At a time when there’s an oil boom going on in North Dakota, primarily on private land.  Were the president to open up public land to oil development experts say we could be energy independent in five years, only having to import a little oil from Canada.  Imagine that.  No more entanglement in the Middle East over oil.

Between the president stubbornly standing in the way of getting at our energy resources and blocking the completion of the Keystone Pipeline millions of potential jobs go unfilled.  The way to economic recovery is through a booming economy and that comes from allowing the private sector to create jobs, not by killing them.  Unfortunately, the recession is still real for most Americans.

This is your economy, Mr. President.  After nearly five years at the helm there’s simply no one left to blame.  It’s time for you to own it.

Phil Valentine is the host of the award-winning, nationally syndicated talk radio show, The Phil Valentine Show.