A Conspiracy of Debacles: the Advent of Single Payer?

I don’t believe much in conspiracies. For one thing, they require secrecy and belief in the other guy not to spill the beans. Often, information connected with conspiracies has value, economic value or simply psychic value (“I already knew it yesterday!”) Hence, the frequent betrayal. Moreover, people in general mess up, the conspiratorial group tends to amplify the mess. For all these reasons, mention the conspiracy against Julius Caesar and I will tell you it’s not obvious it happened. I am skeptical about conspiracies in general but I can make exceptions.

Today, in December 2013, my skepticism is vacillating. I am skeptical about my usual skepticism, you might say. The reason is that I have never seen a governmental debacle of the magnitude of the current roll out of the Affordable Care Act (It’s “Obamacare.” Don’t even try to correct me on this. I heard the president with my own ears claim the nickname.) The present demonstration of incompetence is so out of proportion with everything I have experienced in my life that a part of my brain is whispering to the other that it can’t just be simple incompetence. To begin with, it seems to me that an average nerdy company would have done a better job of the electronic exchanges: WSJ says 12/12/13 that in all of Oregon 44 people have enrolled. (My friend Scott from Silicon Valley will correct me if my assessment of the ease of setting up the exchanges is wrong.) Furthermore, in an operation of this complexity and of this magnitude at best, some degree of failure was to be expected. Any normally prudent person would have set up a fail safe mechanism, a second chance device, or, at least, readied a large lifeboat. None of the above exists it seems. I have trouble believing in a simple oversight.

Beyond the electronic failure -which is guaranteed to induce sneering hostility in the young who use EBay and Amazon with their eyes closed – the same people desperately needed to join, there is the deleterious substance of the reform: Many people find themselves saddled with larger premiums, higher deductible and often both. I don’t know how many. I don’t think anyone knows how many. It does not matter but those reporting that they are so affected are not, cannot all be Tea Party fanatics.

Even the main redeeming virtue of this disaster has been largely withdrawn. I heard that the Congressional Budget Office had estimated that 30 million people would still be off the health insurance roles after the whole Obamacare law is implemented. It’s as if a malignant hand had deliberately withdrawn the last consolation from the disaster: It will make you poorer; it might leave you with a doctor you don’t like (“might”); it leaves you exposed without health insurance although you used to have a plan with which you were satisfied; and it won’t even help that much those it was supposed to help.

Digression on Tech. source note: The first numbers come from an editorial in the 12/12/13 Wall Street Journal. The notion that millions of non-insured will remain uninsured even under the best hypothesis is all over the media. I am not able to cite a precise source. Make a note that I will not consider any lazy and irresponsible denial of this assertion. If you think that’s not true, that I misheard or heard well something false, just say so here, explain why you are sure it’s wrong, and sign your name. I will publish any denial in bold letters. Girlish snickering is not welcome.

By the way, I don’t want you to think that I am implicitly legitimizing the Democratic claims about the number of real uninsured. I never bought the “millions of uninsured” argument. Two reasons. First, it confused “no insurance” with no “health care.” It also confounded and confounds “inefficient way to deliver care” with “the poor dying on the hospital lawn for lack of care.” More importantly, I became convinced that the poor, powerless abandoned souls imagery the Democratic Party uses to characterize the uninsured is largely an invention. Many of the formerly uninsured are people already legible for existing programs who were not enrolled, many children of the irresponsible and incompetent, for example, probably some isolated older people. Other non-insured are clearly rich enough to afford health insurance and simply don’t take he trouble to buy it. Others, mostly young people who are not rich, make the rational calculation that they are quite unlikely to become seriously sick. They engage in low-stake gamble about their proximate health. Once you added the three subgroups of the uninsured, the pathetic-sounding category “ uninsured” melted to little, to next to nothing.

I can ignore my disbelief about this for the time being. I just assume that millions of Americans thought the reform was necessary for reasons of compassion toward the more vulnerable among us. Absent or diminished this justification and this rationalization many of the same Americans will feel disappointed or even cheated. (I am charitably ignoring the claim that the scheme would make health insurance cheaper.)

Now, let’s project ourselves only four to six weeks, to the 2014 State of the Union Address. By that time, by law, most everyone is supposed to be covered. The insurance companies have continued withdrawing plans that are non-compliant, or that they fear may be judged non-compliant with the new law. The number of people between insurance plans has grown from an estimate of 4 million (the WSJ 12/12/13) to ten million. There are reasons to believe that the numbers of those left out will yet grow. The forty or fifty millions original uninsured remain mostly uninsured. The young that the new law unaccountably counted on to finance the new project stay away in droves. The fine they incur, after all, is not much higher than the beer bill for three average parties. Discouraged by the mess, the shamble, the unpredictability, small businesses nearly all shed their health coverage.

In this scenario, in a matter of weeks, the number of Americans without legally required health insurance rockets up to some large proportion of the population, perhaps to one American in four, even one in three. At that point, according to the implicit liberal narrative, we have a national life-and-death disaster, an event that makes Katrina look like a Cajun picnic. According to the same implicit narrative which the Democratic hierarchy cannot suddenly denounce, people are going soon to begin dying in the streets. What was but recently a controversial reform has become a national emergency.

What’s a normally compassionate, responsible president to do under the circumstances? I mean any president?

The answer is blindingly clear: In this emergency, the president will announce that all Americans not otherwise covered are now under the existing, reasonably functional Medicare program. And, he will leave the accounting for later. And this accounting will not seem like much of a new problem because it’s just an enlargement of an old problem. (“The devil we know….”) The president could decree on such a radical measure without fear of much criticisms from the opposition. What Republican official will have the fortitude to insist that proper constitutional form must take precedence over the imminent distress, and possible death from neglect of millions? Which elected Republican will have what it takes to face the first media story – true or false – a single story of a youngish person dying for lack of care?

Many ordinary Americans will opt for the simple solution: Instead of digging around for an elusive insurance plan that suits them and that is also compliant, they will ask to join Medicare. Once nearly half of Americans are covered by Medicare, the private insurance companies will quietly surrender. Some will begin to specialize in luxury coverage for the very rich. Others will just re-focus on areas other than health care. Many will simply go bankrupt and then vanish (as happened in other countries under similar circumstances). Soon, the US too will have a single payer government run health insurance system. The Obama administration will have reached the Graal of all liberals since F.D. Roosevelt.

This would be an easy conspiracy to carry out because it does not require that explicit instructions be given to the co-conspirators. Hence, there is no possible leak, no chance of getting caught red-handed. It’s also a conspiracy that does not require extraordinary skills but only the subtle encouragement of government’s normal low standards of performance. Much of the deliberate sabotage of a real implementation of the new law would only have to take the form of inaction, for example, of the administrator in charge of the reform. This does not require talent but good nerves, or indifference. Ms Sebelius, the person in charge of implementing Obamacare has been reported by conservative media to have had no (zero) meetings with the president. If they are wrong, the real number must still be very low, lower than you would expect given the centrality of the scheme to the Obama presidency. That is if the president really wanted the implementation of the 2,000+ pages of the Affordable Care Act to go smoothly. If!

The most successful socialist revolution socializing more than 15% – and growing- of the largest economy in the world will have been achieved quickly and without much real opposition. Hurrah!

Now, this is all speculation. I am just connecting the dots. I hope I am completely wrong, that we are all facing an ordinary debacle, one due entirely to gross but innocent incompetence.

Personal note: I have seen the French single-payer system at work under trying circumstances. My subjective evaluation is that it works quite well. On the objective side, there is the fact that French men live two years longer on average than American men. (Yes, I too would like to believe it’s the red wine but I know to keep my inner child in line.) My objection to a government health sector is of a moral and political nature: We just don’t need more government; we need much less government in order to be free. Besides, one should not take for granted that we can do well whatever the French do well. Take ratatouille, for example, take pâté de campagne, etc.

American Independence Day and The Supreme Court Decision

There has been enough time now, the dust has settled around the Supreme Court decision on the constitutionality of ObamaCare, the US-wide health care reform passed by Congress and signed into law more than two years ago.

Note: Today, I am going to be very explicit because I flatter myself that I have readers around the world who may not be completely familiar with American politics or with American political processes.

As usual, Rush Limbaugh, the much insulted, much decried and always underestimated conservative talk-show host has instantly demonstrated more lucidity that did pundits with better intellectual credentials: There is no silver lining, my friends.

Don’t confuse my meaning with others’. I think American society will survive well the disorder and the increase in cost of living the Obama health care reform will impose. I think health care will cost more and be of poorer quality for almost all Americans. The alleged uninsured were never really uncared for so, ObamaCare was a solution to a non-problem in this respect. The most heart rendering parts of the descriptions justifying the reform in the first place turn out to be also urban myths. The main one concerns people with a pre-existing condition who couldn’t get coverage and therefore care. Never happened except in tiny numbers that could have been dealt with a with a simple high-risk insurance pool as those that states maintained for horrible drivers.

Yet, as I said, this is a prosperous society even in a period of crisis such as this one. The economy will not collapse. We will just all be a little less prosperous than we should have been. Our children will not experience the subtle optimism that comes from living in times of growth. But, I am still waiting for someone with a bucket and some rags to walk up to my door and to propose to clean all my windows for a set fee. And farmers in my area complain that they don’t have enough people to harvest their crops. Reports say that good pickers earn $12 -13/hour, far above the minimum wage, by the way. We are not poor by any standard. The worst application of ObamaCare set of bad ideas is not going to make us poor, by any standard. Continue reading

A Real Town Meeting in the People’s Green Republic of Santa Cruz

Tuesday night, I took in, in person, two and a half hours of town hall meeting with the same congressman, Sam Farr, in my own town of Santa Cruz, this time. Now, it’s important to understand that Santa Cruz is, overall, a seventies throwback, left-liberal to communist anti-American. To give you an idea, on my long street, downtown, there are only three American flags, two of which belong to me. When I make conservative noises in public, in spite of my considerable expressive talents, people think I am kidding.

I went to the meeting with my wife, under my own power. The only prompt I got is that one local radio station gave the time and place of the meeting on the air. It did so several times. It’s seen as a conservative station. (Full disclosure: I [used to] have a talk-show program on that station, KSCO 1080 AM, every Sunday 11AM-1PM.) Rush Limbaugh did not send me. The local Republican Party was pathetically absent in every respect. If there was any conservative or right-wing organization present, it escaped my attention and I was looking for one. There were no right-wing thugs in sight, with the possible exception of myself, and especially, my wife, Krishna. My wife is in very good shape indeed but, she is slight of built. She has never really divulged her age too me but her hair is all white. The only humans she has ever physically threatened were our children, when they were teenagers, and me, of course. I can’t tell you why she threatened me because I don’t like to brag.

I insist on the unorganized nature of the event in a spirit of helpfulness. The main problem most Democrats, including Congressman Farr and including the President face, is that they cannot conceive of a genuine grass-root movement of revulsion. George Beck, the Fox News-appointed liberal, of all things, said on television that he does not believe that the opposition to Obamacare is “spontaneous.” He is not a dumb man. He is associated in some fashion with George Washington University. I have heard him before and never caught him even in a white lie. Those people can’t conceive of spontaneous political action because it seldom happens on their side. Instead, they rely on tax-subsidized ACORN, and on a variety of radical front organizations.  Continue reading