Obamacare as a Tax

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The Supreme Court says that Obamacare is a new tax on Americans. 

President Obama agrees. 

That is the basis for the Court’s decision to allow the mandates forcing the American people to buy insurance stand. They are not, in the Court’s view, a mandate to purchase a product. They are, rather, a tax on the American people. 

Ok then, let’s look at Obamacare as a tax. 

Based entirely on what I saw when I went to the website yesterday, this new tax is a hefty one.

Let’s look at the lower end of the income spectrum first. Based on what I saw when I visited the healthcare.gov website, if you have a family of four with two children under the age of 18, and your family income totals less than $35,000 per year, your premium for Obamacare will be somewhere around $1200/year. That comes to a hike in your monthly taxes of about $100/month. 

I am using Oklahoma figures for this estimate, and Oklahoma did not set up a health care exchange. It may be better for those in other states. I hope so. 

My husband and I had a monthly income even lower than this when our kids were little. We qualified for free and reduced lunches at school. A car with 100,000 miles on it was new to us. My husband did all our auto repairs himself, in the driveway in front of our house. I carefully balanced meals to keep us well fed and the grocery bills do-able. Both my husband and I went without clothes, new glasses (even when we were having trouble seeing) and dental work so the kids could have those things.

I can tell you that an extra $100/month tax hike would have been a big bite for us back then. It would have had to come out of necessity money. 

Now, let’s go to the other end. Consider those “wealthy” families of four with two kids under 18 who have a combined family income of $90,000 per year. Housing/automobiles/education/clothing/food/gasoline/etc are all massively more expensive now than they were even a few years ago. If the house hunter shows I watch on HGTV are accurate, home ownership (at least on the coasts) is totally out of sight for the family that makes $35,000/year and barely in sight for the $90,000 earners. 

If a simple three bedroom one bath house costs between $200,000 – $300,00 and even a modest new car costs over $20,000 and a community college with the kid living at home costs $4,000-$5,000/year and gasoline hovers around $4/gallon, as does a gallon of milk, then $90,000 only seems rich to those who are barely scraping by. 

Add another $6,000 or $7,000 in annual taxes for healthcare that was previously paid for by your employer (this is a bit of conjecture that employers are going to be less inclined to provide health insurance after Obamacare sinks in) and things start looking almost as dicey for these $90,000 earners as it did for my husband and me back in the day. 

The point here, at least for me, is that the primary winners in the Obamacare sweepstakes are the insurance companies and a few favored recipients such as Planned Parenthood. In exchange for guaranteed minimum coverage and paying for abortions they get government enforced enrollment in their wares and their premiums become a tax. 

I’m not talking here about the serious considerations of cost to the tax payer in terms of government expenditures to underwrite this plan. That is going to come around and bite us in a more indirect, but perhaps more damaging way as time goes by. 

I personally think that there were any number of better ways to provide health care for those who didn’t have it. I also do not believe that Obamacare is going to “contain” rising health care costs. I think that, by underwriting them, it will probably turn health care costs into something akin to the defense budget and largesse to corporations — an ever-enlarging pork barrel that devours the treasure of this nation. 

Will Obamacare “work?”

Probably. At least somewhat. 

I think that it will provide health care insurance for most Americans. 

But it is also going to eat into their personal finances. What our elected officials don’t seem to get is that the American people are stretched financially like a piano wire already. They’re having to work more than one job each, just to make ends meet. Every passing year, inflation (which government formulas no longer accurately represent) eats deeper into their already stretched budgets, and every passing year, their incomes stagnate or fall. 

Good jobs keep going away. For decades now, the news has been about this or that American corporation leaving this country to go use cheap labor elsewhere to manufacture its wares, which it then sells to the American people. 

We are being robbed. 

Will Obamacare fix this?

Does it even address it?

No and no. 

What it does do is underwrite a medical care system that is deeply flawed and overpriced. It puts insurance companies on the government dole and uses a new direct tax on the American people to pay for that. 

I have always believed that this country had to address the need for affordable health care. I am not a neocon. Far from it. I personally know people who forego necessary medical care because of costs. In fact, I have been one of them. 

However, this plan is more an accommodation to special interests than a solution for those problems. There is a limit on what the budget of the ordinary American can absorb. I think this plans pushes a lot people painfully close to that limit. 

The question, of course, is what Obamacare will look like in years going forward. The tinkering with this plan has not even begun. There is also the question of whether or not it will be repealed by future Congresses. 

Personally, I doubt it. Once the plan locks in and the special interests start getting their take, the political will to either repeal or reform Obamacare will vanish like smoke in your morning coffee. 

 See also: Obamacare Threatens to Hit Many Pocketbooks; Health Care Law Fails to Lower Prices in Rural Areas

I Didn’t Sign Up. But the Obamacare Website Seemed to Work for Me

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I didn’t sign up because I already have health care coverage.

However, I did go to the Obamacare website at healthcare.gov and put myself through the steps. I got to the point where I select a plan and click “buy.”

It worked ok for me.

I dunno. Maybe I didn’t go far enough with it.

Or maybe I have a magic touch.

What I did learn is that the premiums for health care are no bargain. If health insurance wasn’t affordable before Obamacare, it will become a major burden, at least for the middle class, after Obamacare. The premiums I was offered were actually higher than what my employer pays for my insurance.

I played with the numbers a bit, and if I had an income under $35,000 and a family of four with two children under 20, the premiums would become affordable. This is because the government pays a tax credit directly to the insurance company, which subsidizes the health insurance costs of the family. That’s part of where the huge increases in government spending come in.

Obamacare appears to be set up a lot like Medicare, except that Medicare actually is a big cost reducer for the citizen taxpayer. The best plan that I was offered also included the messiness of paying at least 10% of my health care costs out of pocket. Ten percent of the cost of treatment for cancer or something equally serious puts most people into bankruptcy territory.

Beginning in 2015, employers who offer health insurance are going to have to meet the coverage requirements of Obamacare. I imagine that will lead to considerable sticker shock for these employers and that many of them will stop offering health care to their employees.

That will push people who had previously had their health care subsidized by their employer into paying for their own costs through Obamacare. Many of these people will earn enough money that they don’t qualify for the tax credit. They will face a sudden increase in expenditure for health care, and, based on what I saw on the web site, it won’t be a small one.

I am not talking about wealthy people. I mean households with a combined income of say, 90,000 dollars or more. These are people who have to make car and mortgage payments, deal with ever increasing costs in everything from gasoline to tuition, and who fall through all the cracks when it comes to getting help. Obamacare is going to squeeze them.

To summarize: I think Obamacare will be an expensive problem for both the middle class and the government. The people it will help the most are lower-income working couples with young children who make too much money to get other forms of aid and don’t get employer-sponsored health insurance.

I need to add a serious disclaimer to these conclusions in that this is a cursory take on a complicated program. Also, I went through the web site as an Oklahoman and Oklahoma has not set up health care exchanges. Maybe I got higher premiums because of that.

But my takeaway from visiting the web site is that, yes, I at least can use the web site, and, yes, I think Obamacare itself has serious flaws regarding costs to the taxpayer, both in terms of coverage and the costs to our government.

Is This a First? Bishop of Bling is Suspended.

Deacon Greg has the story.

The Vatican has suspended Bishop Franz-Peter Tebartz-van Elst, the so-called “Bishop of Bling.” This action is less than the calls from at least some quarters in the German public to dismiss the bishop, and it is more than the nothing which many people expected.

Rather than make a public statement about the bishop’s guilt or innocence, the Vatican confined itself to saying simply that “A situation has been created in which the bishop can no longer exercise his episcopal duties.”

From what I’ve read, that is an accurate assessment of the situation.

To read more, check out The Deacon’s Bench.

The Bishop of Bling and the Pope

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Government money is not free.

It is a hammer than can beat people and institutions into the government mold. It is also a great corruptor.

The Church in Germany has been dealing with one particular manifestation of this corruption in the person of the bishop the press and people have dubbed “The Bishop of Bling.”

Germany levies a church tax on those who register as members of a recognized church. The government then cuts a big check to the church where these people are registered.

What that means is that the Catholic Church (among others) does not have to deal with the messiness of the people in the pews in order to get their do-re-mi. The government sends them a check to the tune (in the Catholic example) of billions of dollars. Not only does this lead inexorably to a Church that is out of contact with its people and content to be fat and indifferent, but it can and does lead to the personal corruption of individual bishops.

Bishop Franz-Peter Tebartz-van Elst, bishop of Limburg, Germany, has been called to Rome to explain his actions regarding the finances of his diocese. The reason is that he has used the vast government monies that are dumped in his coffers for himself. He’s spent tens of millions renovating his house, flies first class, drives an expensive car and otherwise lives large.

There is also a question as to whether or not the bishop lied under oath about these expenditures. That is something I want to let the courts — rather than public outrage — decide.

All this runs counter to the kind of Church that Pope Francis is calling for. It harkens back to the embarrassing excesses of half a millennia ago.

It is also entirely different from the behavior of the bishops I have known. My own archbishop lives in an unpretentious ranch-style house and flies in the we-hate-our-passengers class at the back of the plane. I know. I’ve coincidentally ended up on several flights with him. He’s patient and kind to the people — including me — who come up to him in airports, and he stands in line with his roller bag along with the rest of us.

Behavior like that of Bishop Tebartz-van Elst denies the people in their diocese the rightful use of their monies, harms the trust that people should have in their Church and smears good bishops like mine whose behavior is the antithesis of these abuses.

The Holy Father has requested a report concerning Bishop Tebartz-van Elst’s activities. In the meantime, Bishop Tebartz-van Elst has been called to Rome to explain himself.

This is one time I would not want to be a fly on the proverbial wall while a conversation is going on. I’m happy to leave the bishop in the hands of our pope. I believe that the Holy Father will sort this out in a way that only a follower of Christ could.

From ABC News:

After being kept waiting nearly one week for an appointment, German Bishop Franz-Peter Tebartz-van Elst was able to meet with Pope Francis today at Vatican to explain his lavish use of church funds.

The Bishop of Limburg – now known as the Bishop of Bling — has spent some $42 million to renovate his official residence and is accused of falsifying expense reports.

The pope, who has used the Throne of St. Peter to preach for a “poor” church and has set the example by rejecting the opulence available to his position, released no statement following the meeting.

Pope Francis had been briefed last week by the head of the German Bishop’s conference. German press reports say the Vatican has asked Archbishop Robert Zollitsch to file an official report on the affair, speculating that the fate of Bishop Tebartz van Elst may only be decided after it is filed.

The bishop of Limburg admits using church funds to restore his residence but has defended his actions, saying the renovations of the church property involved 10 different buildings that had to be upgraded according to historical preservation laws. But the scandal has caused a great uproar in Germany, where a mandatory church tax for members brings in billions of dollars the German Catholic Church each year.

Christian Weisner, of the lay organization We Are the Church, said the bishop’s actions seriously damaged the reputation of the church.

Southern Baptist Convention Files Suit Against HHS Mandate


The Southern Baptist Convention has joined dozens of other religious organizations by filing suit against the Obama adminstration’s HHS Mandate. Southern Baptists are the second largest denomination in America, with over 16 million members.

My question: Where are you Marymount Loyola?

From the CBN News:

The Obama administration has said churches and a narrowly defined category of religious organizations are exempt. But the administration is still threatening devastating penalties to many other ministry organizations, like Christian colleges, missions organizations, and family ministries.

“The government’s refusal to treat these ministries as ‘religious employers’ is senseless,” Mark Rienzi, senior counsel for the Becket Fund for Religious Liberty, said in a written statement.

“These people spend their lives teaching and preaching their religious faith – if they do not qualify as ‘religious employers,’ the government needs to get a new definition,” Rienzi said.

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Isn’t that Illegal?

16th amendment

The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several States, and without regard to any census or enumeration.

That is the 16th Amendment to the Constitution of the United States.

Our government managed to rattle along without an income tax until this amendment was ratified in 1913. It’s ironic that this particular amendment was placed in the Bill of Rights, since it has become a method of limiting many of the other rights that Americans enjoy.

For instance, our system of jurisprudence is based on the notion that the individual citizen is regarded as innocent until proven guilty. What that means in practice is that the government actually has to prove that someone has broken the law before it can deprive that person of life, liberty or property.

However, the income tax laws turn this completely on its head. The government does not have to prove anything as regards income tax violations. It merely makes the charge and the individual citizen is tasked with proving their innocence. That is what income tax audits are all about. The government is operating on the idea that you are guilty of income tax evasion until and unless you can prove yourself innocent. The topper is that the government can be as invasive and onerous as it wants in these audits.

I know from personal experience that even a one-page tax form concerning employment with regular documented salaries can turn into an audit that costs the tax payer thousands of dollars and ties them up for many months. In other words, the government can audit an individual or a small business into bankruptcy, even if the business or the individual actually can prove that their taxes are clean and the government’s charges are bogus.

The powers granted to the government through its enforcement of the 16th Amendment are draconian enough without the application of political vendettas and personal malice. That’s why there are laws which are supposed to protect us from that sort of thing.

However, as our government veers away from the people, there is less to keep it in check. I’m not sure why a people that blandly accepts the idea that their government is reading their emails and listening in on their phone calls would be surprised to learn that this same government is also abusing the power inherent in the tax codes.

Maybe they’re not surprised.

Maybe it’s just that we the people have been battered so much by these repeating crises that we’ve become somewhat response damaged. Or perhaps we’re getting weary of voting the crooks out of office and then getting another set of crooks just as bad.

How many times have the voters of this country risen up and tossed the bums out?

And how much good has it done us?

That’s because the bums are replaceable by other bums, all of whom are owned and controlled by the same special interests. We can replace the puppets, but we don’t touch the puppet masters.

Maybe this is why there has been so little reaction to the news that the Obama administration exchanged information about people’s tax files with the IRS.

Or maybe people don’t understand that this is probably an illegal activity.

Or maybe people are just too tired to respond.

Which is it, I wonder? Are we losing hope in our ability to make our government respond to us?

Again, I am not sure. What I do know is that each succeeding administration tops the previous one in running over the American people.

From The Daily Caller:

Top Internal Revenue Service Obamacare official Sarah Hall Ingram discussed confidential taxpayer information with senior Obama White House officials, according to 2012 emails obtained by the House Oversight and Government Reform Committee and provided to The Daily Caller.

Lois Lerner, then head of the IRS Tax Exempt Organizations division, also received an email alongside White House officials that contained confidential information.

Ingram attempted to counsel the White House on a lawsuit from religious organizations opposing Obamacare’s contraception mandate. Email exchanges involving Ingram and White House officials — including White House health policy advisor Ellen Montz and deputy assistant to the president for health policy Jeanne Lambrew — contained confidential taxpayer information, according to Oversight.

The emails provided to Oversight investigators by the IRS had numerous redactions with the signifier “6103.”

Section 6103 of the Internal Revenue Code forbids a federal employee from “disclos[ing] any return or return information obtained by him in any manner in connection with his service as such an officer or an employee.”

Federal employees who illegally disclose confidential taxpayer information could face five years in prison.

Read more: http://dailycaller.com/2013/10/09/white-house-irs-exchanged-confidential-taxpayer-info/#ixzz2hXi90qoD

Culture of Death News

Buckle your seat belts.

The list below contains a few headlines from the culture of death. Look at them and remember why we fight this fight.

 

Wendy Davis, winner of the Texas pro choice filibuster, runs for Governor

UK Takes Step Toward Three-Parent Babies

Belgian Transsexual Dies of Euthanasia After Botched Sex Change Surgery

Number of Dutch Deaths by Euthanasia Rises by 13% 

 

Abortion  Contracts and $45,000 for abortions

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We’re Not Living in Mad Max Land

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The shut down continues.

The stock market responds to the shut down with a rumble, but basically keeps its head (so far), and people around the world are scratching their heads over the American shenanigans.

I hadn’t thought much about the response of non-Americans to all this. But for those who are wondering: We aren’t living in Mad Max land here in the USA. Our governance, and the powers that go along with it, is divided into so many pieces that it can clank along quite nicely, even if the money from Washington is cut off for a while.

In that sense, it is a misnomer to call this a “government shut down.” What it is, is a (hopefully temporary) stoppage in federal funding for select programs. I say select programs because Congress has evidently made a list of things that it will fund despite the fight.

The shutdown is entirely partisan in nature. The Ds and the Rs are fighting over who’s the boss. All the issues and rhetoric are just fluff. That’s what the fight is really about. I think it’s quite clear that the side that decided to throw down was the Rs. They initiated the fight. When they claim otherwise, that’s just spin.

The Ds, for their part, appear to be unwilling to talk with their colleagues on the other side of the aisle. Everybody hates everybody else, and nobody cares about much of anything outside their personal vendettas against one another.

What the Rs have in this battle is veto power. They control one house (the House of Representatives) in Congress. The Ds control the other house (the Senate) and the presidency. It takes all three of these bodies to make a legitimate law.

Legitimate laws are different from Presidential executive orders, which are end runs around the legitimate authority of Congress. Legitimate laws are also different from agency rules, which are not always, but can be, another end run around Congressional authority. These orders and rules amount to a kind of presidential fiat which, in my opinion, subverts the power of the people and turns the president into something akin to an elected dictator. For a list of President Obama’s executive orders, go here.

For instance, the First-Amendment-busting HHS Mandate is not a law. It is also not an executive order.  It is an agency rule, written by an appointed committee and signed by the president. Congress has always had the power to reject this rule without even addressing the underlying Affordable Health Care Act. It simply has not — primarily because of blind partisan loyalties — had the will. It is interesting that this HHS Mandate has fed significantly into this budget crisis.

The Rs can’t pass anything into law without the support of the Democrats in the Senate and the signature of the Democratic President. The Democrats can’t pass anything into law without the support of the Rs in the House.

The Ds and the Rs both have enough clout to unilaterally stop laws from passing. Neither of them can pass a law without the other. The increasing abuse of executive orders by each subsequent president for the past several decades has shorn Congress of much of its legitimate Constitutional power. When Congress refuses to enact a law, the President often just writes an executive order and does whatever he wants, anyway.

Congress has also ceded much of its war-making powers to the president. In fact, Congress has ceded most of its power as a policy-making body to the presidency. I think the major reason for this is that members of Congress no longer act as individuals. They are entirely divided along partisan political lines, the country be damned. They have eschewed their rightful concern for the American experiment in representative democracy to promote party ideologies.

The battle of the budget is over one of the few major powers that Congress has not, in its blind party loyalties, ceded to the presidency: The power to fund government.

The Rs are using their veto power to stop the bulk of the federal budget from passing into law. But they are allowing funding for a select groups of agencies and functions. I believe this is largely determined by the political heat they feel when they don’t fund these things.

Congress has become so divided along partisan lines that it is no longer able to assert its policy making authority, except in these destructive partisan standoffs that damage both the country and the institution of Congress itself. This creates a vacuum of power that is increasingly being filled by presidential fiat.

I, for one, would support moves by Congress as a body to reassert itself and its rightful authority in the governance of this country. However, these party-loyalty bear and bull fights do not enhance Congressional powers. They make a mockery of them. Until the people we elect can see beyond party loyalties and begin to act on behalf of the needs of this country and its people, Congress is only going to grow weaker and the presidency will move further toward an elected dictator.

You can find contact information for members of Congress and the President here.

See shut down news from around the web. Keep in mind that even though one house of Congress passes a bill, it is not law until the other house passes it and the president signs it:

House Approves Back Pay for Furloughed Workers

66 Questions and Answers about the Shutdown

Shut Down will Stall Home Loans for Thousands

Shutdown Losers and Not Quite Losers

Boehner: No End to Government Shutdown without Concessions

Stock Market Shaken by Shutdown, but Debt Default Would be Much Worse

Don’t Believe the Debt Ceiling Hike: The Federal Government Could Survive Without an Increase

Global Reaction to Shutdown: USA Looks Dumb and Dumber

What the Rest of the World Thinks About the Shutdown

Shutdown News


A few tidbits of news on the shutdown. Caveat: These lists are almost certainly incomplete since the situation is constantly changing.

Which Lawmakers are Giving up Their Pay During the Shutdown

What’s Affected by the Shutdown? 

While We’re Living with This Shutdown, the Big Brains in Congress are Already Planning the Next One

The Real Reason for the Shutdown: They Hate Each Other

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Republicans Blaming the Democrats

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President Obama Blaming the Republicans

Government Shuts Down

Overthecliff

When the buffalo fight in the swamp, the frogs lose.

The morons in Washington have managed to bring the government to a standstill. I don’t know if they’ll turn around and do some quick maneuver to stop the free fall or not. I do know that people I represent, people who have bills to pay and families to support, have already been given notice that their jobs are forfeit because of this.

I knew from jump street that the Affordable Care Act was a goldmine for Planned Parenthood. It was right there in the language of the bill. I am also absolutely opposed to the HHS Mandate. At the same time, I know that the President is correct when he says the economy is fragile (at best) and that the credit rating of this debtor nation is at stake. Think what happens when your credit card company raises your interest rate and multiply that by the national debt.

I haven’t written about this before now because I am conflicted.

All I know for sure is that I love this country and I believe that the people we have put in office — of both parties — are doing damage to my country. I honestly question if they care about this country or the American people. It appears that the only thing they want to do with the power we have given them is play political games, serve their various special interests and try to hype things in an unending quest for power and dominance over the other political party.

I’m going to let you good people discuss this as thoroughly as you wish. Just be kind to one another in the process. Good people can look at the same situation and come away with different ideas. That is part of our strength, because different ideas lead to better decisions.

When the buffalo fight in the swamp, the frogs lose.

In this case, the frogs are the American people.

We deserve better than this.

From The Wall Street Journal:

WASHINGTON—After three years of ducking crises with last-minute deals, Congress finally ran out of ways to patch over its differences. Unable to meet a midnight Monday deadline for funding the government, lawmakers allowed it to shut down.

The White House ordered federal agencies to suspend a vast array of activities shortly before midnight, after a day of frantic legislative volleying left Senate Democrats and House Republicans at an impasse over government spending and the 2010 federal health-care law. The next steps to resolve the stalemate remained unclear.

Markets that have slipped recently face a test on Tuesday morning of how they will view the developments, given that a larger deadline for Congress—over the need to raise the nation’s borrowing limit—is less than a month away.

Many federal workers reporting to their agencies Tuesday morning will undertake a half-day of shutdown preparations before more than 800,000 employees in the government’s workforce of about 2.9 million are sent home. While essential functions such as law enforcement and air-traffic control will continue, a large array of federal activities, among them Internal Revenue Service audits and surveillance for flu outbreaks, will be suspended.


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