Thursday, June 25, 2015

OBAMACARE? CALL IT ROBERTSCARE. CHIEF PRIESTESS OF THE US SUPREME COURT DOES IT AGAIN!

The coven-like robed ones were at it again. By a 6-3 vote, the chief scribes of the United States Supreme Court ruled the 111th Congress intended to give any qualified American property in bank credits to be spent specifically on buying an medical bills paying insurance offered by sellers of such products.

The tie-breaking voters included the Supreme Court chief, the High Priestess John Roberts. And with today's ruling in King v. Burwell, once again Roberts proved to the world, he doesn't understand English nor English with respect to law.

This time, those suing over Obamacare claimed the 111th Congress intended to pay for part or all of any American's medical bills insurance, but only in those states of the USA where state legislators established state-run web sites for residents of their states to buy insurance. They made this claim because the writers of the law wrote the phrase "established by the state."

In his affirmative ruling, chief priestess Roberts wrote, "Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them. If at all possible, we must interpret the Act in a way that is consistent with the former and avoids the latter."

In short, Roberts believes his job is to interpret law if a law claims it could do something good regardless of how it is written. Roberts sets a dangerous precedent for all Americans. Henceforth Congress could pass laws and then have their agencies claim extra-law authority merely by claiming Congress intended for this power or the expected results.


428908_354943234574162_569207220_n.jpgBack in 2012, Roberts was the guy who sided with others to decree Obamacare was legal. In that ruling, though Roberts stated the Commerce Clause of the U.S. Constitution cannot compel any individual to buy anything, Roberts claimed the taxing authority of Congress somehow can compel anyone to buy anything.

At the time, many Roberts apologists claim that Roberts was right because Roberts said the IRS would be the agency to collect the fines and therefore what would get collected would be taxes and not fines. What a convenient fiction that is.

The essence of a fine is this: If you do A against law and are caught, you must pay B.  The essence of a tax is this: Because you are doing A, you must pay us B, which is a percentage of A.

The purpose of a fine is to stop anyone from doing A. The purpose of a tax is to share in profits generated by doing A without having invested any capital first.

When law givers fine a factory owner for polluting a river, they do so to stop the factory owner from polluting the river, ever. When law givers tax profits of the factory owner, they want a cut of his profits. They're not trying to stop the factory owner from selling anything produced in his factor. Likewise, law givers aren't stopping the factory owner from selling his factory and taking up earning income by another means, say as a singer and a dancer.

With Obamacare, the effect of the Roberts ruling should be clear. Congress isn't sharing in anyone's income regardless of how they earn that income. Rather, Congress is fining everyone caught without medical bills insurance.

Congress is fining you for doing something — living without specifically structured medical bills insurance— rather than taxing you — sharing in your income regardless of what you are doing.  To claim it as a tax and not what it is, a fine, is to throw out about 715 years of English-based jurisprudence.

State legislators fine you when you drive (live) without car liability paying insurance (medical bills insurance). To see Robertscare any other way is to deceive oneself.

The word fine entered into English about the year 1200 from Old French speakers meaning death, fee, payment. By the mid 1300s, the word was being said to mean sum of money paid for exemption from punishment or to compensate for injury.

The word tax entered into English in the early 1300s from Anglo-French speakers to mean obligatory contribution levied by a sovereign.

So the next time you must pay a speeding ticket, by the way Roberts believes, you are not being fined. Rather, you are being taxed. You are not being fined.

Americans should be compelled to buy all kinds of products at least according to the tortured faux-logic thought by the United States Supreme Court creepy robe wearers — Roberts,  Breyer, Ginsburg, Kagan and Sotomayor.

  • All Americans need places to sleep. Some of the time, many to most Americans could find themselves facing homelessness. Requiring Americans to buy housingcare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy housingcare insurance.
  • All Americans need legal representation. Some of the time, many to most Americans could find themselves facing criminal charges, civil suits or jail time. Requiring Americans to buy legalcare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy legalcare insurance.
  • All Americans need skills to compete in a globalized economy. Some of the time, many to most Americans could find themselves with obsolete skills and not enough cash to pay for learning new skills. Requiring Americans to buy higher educationcare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy higher educationcare insurance. 
  • All Americans need fun and recreation for proper mental health. Some of the time, many to most Americans could find themselves without enough cash to pay for tickets to amusement parks, sporting events, concerts. Requiring Americans to buy funcare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy funcare insurance. 
  • All Americans need to eat. Some of the time, many to most Americans could find themselves without cash to pay for food.  Requiring Americans to buy foodcare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy foodcare insurance.
  • All Americans need to wear clothes. Some of the time, many to most Americans could find themselves without enough cash to pay for clothes. Requiring Americans to buy clothescare insurance would be a tax and not a fine. Therefore, forthwith, all Americans should be required to buy clothescare insurance.

John Roberts might have been awarded summa cum laude as an undergrad from Harvard and magna cum laude Harvard Law School, but Roberts is clueless about the concepts words label. In short, he does not get meaning. And if that isn't the case, then the Chief Priestess is corrupt and immoral.

Power. It corrupts everyone. Alas, it wasn't enough to be appointed to the U.S. Supreme Court for John Glover Roberts. Nor was it enough to be crowned Chief Justice.
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Monday, August 12, 2013

FREELOADING AT THE BUFFET OF THE LIVING

Back on September 19, 2012, the USA Today reported that about two-thirds of adults in Mississippi and several other states could be obese by 2030 if obesity rates continue to climb at current rates (see link below).

Back on September 3rd of last year, the New Scientist reported that a large body of evidence supports the belief that Alzheimer's is primarily a metabolic disease with some scientists calling it Type 3 diabetes (see link below).

In America, no one talks about how the chronically overweight and the obese effectively free ride on everyone, getting full on medical bailouts with Medicare and sometimes sooner with Medicaid. Because no one talks about this, no one talks about how the chronically overweight and obese should pay substantially higher medical bills insurance premiums including those deducted through FICA for Medicaid and Medicare.

Since Judge Roberts wrongly blessed Obamacare,  everyone must buy medical bills paying insurance, politically called health care. The way Obama and his cronies see it, the fit and the healthy should subsidize the unfit and the sickly. They have it all wrong.

There should be at least two pools of the insured. The fit and the unfit. In short, those who are unfit ought to pay substantial premiums as it is inevitable, nearly so, that the chronically overweight and the obese shall need substantive medical care for a good part of their lives. There is no reason why the fit ought to carry the heavy weight of the chronically overweight as well as the obese. 

The pool of the unfit ought to pay for unfit others. The pool of the fit ought to pay for the fit others.

Twice a year, at the expense of the insured rather than the insurer, anyone could get test for height, weight, heart rate and blood pressure. Depending upon how far from fitness anyone is ought to govern what shall be that one's premium rate.

Actuarial scientists can figure out all of this and project their true costs and thus what their realistic premiums ought to be. As it is now, though, the chronically overweight and obese are freeloading at the all-you-can-eat buffet of life at the expense of the fit.



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Wednesday, July 10, 2013

FIXING OBAMACARE BEFORE IT STARTS; OR IF ONLY OBAMA WERE AS SMART AS I AM

Unfortunately, in the worst judicial decision since Wickard v Filburn, a decision that couldn't be more wrong, English-language challenged, USSC chief robe John Roberts decreed what any right-minded thinker knows to be a fine now as a tax. Roberts pulled a putting lipstick on a pig trick and now wants you to pork it.


Yet, Americans, we need to suck it up. ObamaCare isn't going away.

The Big Lie politicians told to gain the trust of Americans to support Obamacare is that Obamacare would cover the uninsured. Always, politicians tell the Big Lie, whenever they want to establish something that benefits their financial backers instead of the citizenry.

There was no need to create a 2,400 page law. There was no need to create new agencies to regulate and administer the law.   There was no need to hire on tens of thousands of more useless, overpaid, unionized, flunky, paper-pushing government employees.

Having done the foregoing reveals profound intellectual stupidity of our so-called leaders. Obama and the members of Congress who passed Obamacare, guys like Harry Reid and women like Nancy Pelosi are among the stupidest people ever to hold the reins of power. 

If the goal truly were universal coverage as they call it, the fix to achieve such is easy. Here is how it should be done, but first, you need to know what we have now.

Medicare exists for old people. Medicaid exists for the poor. It's what they callmeans tested, which is a fancy way of checking income and family head count, making sure income doesn't exceed an annual sum.

Already, there are payroll taxes called FICA taxes, named after the Federal Insurance Contributions Act. FICA taxes cover Social Security Old-age, survivors, and disability insurance (OASDI) and Medicare. 

And here is the fix. It would have been easy to add another payroll tax to pay for medical insurance. There should be a universal medical bills insurance tax. 

Already, Americans are used to having payroll taxes deducted from their paychecks. Those who have jobs with medical bills insurance experience what it is like to have insurance payments deducted from their paychecks.

Next, Medicaid and Medicare should have been folded into one program for those who are unemployed or who are retired living on Social Security only.

And now for the best parts. Rather than having employers broker insurance for employees, everyone working should be assigned at random to a medical bills paying insurer (wrongly called "health insurance") operating within each workers' respective state. 

Insurers wouldn't know ahead of time, anyone they would be required to insure, regardless of pre-existing condition. Likewise, workers wouldn't know who would be their insurer until assigned. At the start of each year, random assignment could happen.

Also, there should be two payroll tax rates, one for the fit and one for the unfit. The unfit should pay substantially higher taxes, since they are the ones most likely who will need medicine for their unfit bodies. Those who have the right weight for their heights and the right blood pressure and heart rates should pay much lower premiums than those who let themselves go by living slothful, gluttonous, hedonistic lives.

Having two insured pools is the right way to express the actuarial science behind insurance. The unfit would have incentive to get fit and the fit would have incentive to stay fit.

Further, those in retirement with incomes beyond Social Security should have their Social Security taxed at the appropriate rate, either for the fit or the unfit. Thus, the elderly would be treated as anyone else, with no age prejudice against them.

As it is, technically, employers don't pay for insurance for employees, ever. For employers, admin costs become tax write offs. Yet, taxpayers who cannot escape their compulsory taxes are the ones who pay for businesses to provide insurance to employees.

My proposal does what Obama couldn't do — UNIVERSAL COVERAGE FOR ALL AMERICANS. My proposal removes the admin burden from employers, which drags on the economy.

The poor get covered. The productive working class gets covered. The rich get covered. Insurers can stay in business. Richer Social Security recipients would pay their fair share as Obama likes to call it.

If only Obama were as smart as me, our lives as Americans would better by far.

To get a fast lesson on how insurance ought to work, check out  FREELOADING AT THE BUFFET OF THE LIVING.

For all of your Obamacare needs at Bizarro Theater, here you go.


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