My Letter To Young Relatives
Here’s the game plan of Obama and the Democrats:
Make people dependent on the government by providing healthcare [even for parents with "children" up to age 26]; take control of the school loan program; re-instate the right to vote for convicted ex-con felons; grant amnesty to illegal aliens and make them citizens in time for the 2012 election.
All these groups will be beholden/obligated to the Democrats and most likely vote for them. They’ll be voting for liberals and socialists who are anti-Christian and who will in turn confirm liberal anti-Christian and anti-gun judges to the federal courts. They will also weaken this country’s military while our enemies are increasing their arms build up. For example, while we decrease our ships China is rapidly expanding its Navy and has hinted they will build weapons in space. Obama has vowed not to weaponize space. He also signed a nuclear arms decrease measure with Russia as if you can trust them. How naive’.
Remember this. Socialism gives and socialism takes away [freedoms]. Cursed be the name of socialism!
My young relative’s edited response:
Here’s where I disagree: It’s good to know that if God-forbid I don’t have a job in two months when this job is over, that I will have some basic health insurance because of this plan.
My counter response:
The point is that we could do that WITHOUT the government! The Republicans had a plan that never saw the light of day. Those who appreciate the bill [because they are covered] will vote for an ever growing government that takes away our freedoms. That’s the deception of this. By sleight of hand give them something people need while with the other hand take away their freedoms. Another thing, your generation will have to pay for this program. And to FORCE people to pay for something they don’t want is unconstitutional and the fine or jail them WITH THE IRS overseeing and enforcing the collection of fees is unAmerican.
Final response about Socialism:
Intead of TEACHING the poor how to become rich with classes on how to become a small business owner or entrepreneur the socialists [in order to stay in power] prefer to take money from the rich [HIGHER TAXES] and give to the poor. Again, this is DESIGNED to create a dependency class who will vote for the political party [the Democrats/Socialists] that takes care of them.
So, they stoke class warfare and encourage envy and hositility toward the rich by claiming that Bush gave tax cuts to the rich when in truth it was a tax cut for everybody. Carmen and I took home more money under Bush and Reagan. By the way, most of the rich are business owners who hire more people when their profits increase [BECAUSE OF TAX CUTS]. But with tax increases they hire less people BECAUSE THEY LOSE PROFITS.
What would happen if most or all of the poor became rich? They could buy their own health care and afford school loans and mortgages WITHOUT GOVERNMENT ASSISTANCE. Therfore, they would no longer depend on or need the government anymore. And Obama and the Democrats are keenly aware of this.
After the above email exchange I stumbled on the following article about the cost of health care for young people which I forwarded to my young relatives.
Health premiums could rise 17 pct for young adults
By CARLA K. JOHNSON (AP) – 1 day ago
CHICAGO — Under the health care overhaul, young adults who buy their own insurance will carry a heavier burden of the medical costs of older Americans — a shift expected to raise insurance premiums for young people when the plan takes full effect.
Beginning in 2014, most Americans will be required to buy insurance or pay a tax penalty. That’s when premiums for young adults seeking coverage on the individual market would likely climb by 17 percent on average, or roughly $42 a month, according to an analysis of the plan conducted for The Associated Press. The analysis did not factor in tax credits to help offset the increase.
The higher costs will pinch many people in their 20s and early 30s who are struggling to start or advance their careers with the highest unemployment rate in 26 years.
Consider 24-year-old Nils Higdon. The self-employed percussionist and part-time teacher in Chicago pays $140 each month for health insurance. But he’s healthy and so far hasn’t needed it.
The law relies on Higdon and other young adults to shoulder more of the financial load in new health insurance risk pools. So under the new system, Higdon could expect to pay $300 to $500 a year more. Depending on his income, he might also qualify for tax credits.
At issue is the insurance industry’s practice of charging more for older customers, who are the costliest to insure. The new law restricts how much insurers can raise premium costs based on age alone.
Insurers typically charge six or seven times as much to older customers as to younger ones in states with no restrictions. The new law limits the ratio to 3-to-1, meaning a 50-year-old could be charged only three times as much as a 20-year-old.
The rest will be shouldered by young people in the form of higher premiums.
Higdon wonders how his peers, already scrambling to start careers during a recession, will react to paying more so older people can get cheaper coverage.
“I suppose it all depends on how much more people in my situation, who are already struggling for coverage, are expected to pay,” Higdon says. He’d prefer a single-payer health care system and calls age-based premiums part of the “broken morality” of for-profit health care.
To be sure, there are benefits that balance some of the downsides for young people:
_ In roughly six months, many young adults up to age 26 should be eligible for coverage under their parents’ insurance — if their parents have insurance that provides dependent coverage.
_ Tax credits will be available for individuals making up to four times the federal poverty level, $43,320 for a single person. The credits will vary based on income and premiums costs.
_ Low-income singles without children will be covered for the first time by Medicaid, which some estimate will insure 9 million more young adults.
But on average, people younger than 35 who are buying their own insurance on the individual market would pay $42 a month more, according to an analysis by Rand Health, a research division of the nonpartisan Rand Corp.
The analysis, conducted for The Associated Press, examined the effect of the law’s limits on age-based pricing, not other ways the legislation might affect premiums, said Elizabeth McGlynn of Rand Health.
Jim O’Connor, an actuary with the independent consulting firm Milliman Inc., came up with similar estimates of 10 to 30 percent increases for young males, averaging about 15 percent.
“Young males will be hit the hardest,” O’Connor says, because they have lower health care costs than young females and older people who go to doctors more often and use more medical services.
Predicting exactly how much any individual’s insurance premium would rise or fall is impossible, experts say, because so much is changing at once. But it is possible to isolate the effect of the law’s limits on age-based pricing.
Some groups predict even higher increases in premiums for younger individuals — as much as 50 percent, says Landon Gibbs of ShoutAmerica, a Tennessee-based nonprofit aimed at mobilizing young people on health care issues, particularly rising costs.
Gibbs, 27, a former White House aide under President George W. Bush, founded the bipartisan group with former hospital chain executive Clayton McWhorter, now chairman of a private equity firm. McWhorter finances the organization. The group did not oppose health care reform, but stressed issues like how health care inflation threatens the future of Medicare.
“We don’t want to make this a generational war, but we want to make sure young adults are informed,” Gibbs says.
Young people who supported Barack Obama in 2008 may come to resent how health care reform will affect them, Gibbs and others say. Recent polls show support among young voters eroding since they helped elect Obama president.
Jim Schreiber, 24, was once an Obama supporter but now isn’t so sure. The Chicagoan works in a law firm and has his own tea importing business.
He pays $120 a month for health insurance, “probably pure profit for my insurance company,” he says. Without a powerhouse lobbying group, like AARP for older adults, young adults’ voices have been muted, he says. He’s been discouraged by the health care debate.
“It has made me disillusioned with the Democrats,” he said.
Ari Matusiak, 33, a Georgetown University law student, founded Young Invincibles with other Obama campaign volunteers to rally youth support for health care overhaul.
Age rating fails as a wedge issue because the pluses of the new law outweigh the minuses for young adults, Matusiak says.
“And we’re not going to be 26, 27, 33 forever,” Matusiak says. “Guess what? We’re going to be in a different demographic soon enough.”
Nationally representative surveys for the Kaiser Family Foundation have consistently found that young adults are more likely than senior citizens to say they would be willing to pay more so that more Americans could be insured. But whether that generosity will endure isn’t clear.
“The government approach of — we’ll just make someone get health care and pay for someone else — definitely NOT what I want,” says Melissa Kaupke, 28, who is uninsured and works from her Nashville home.
In Chicago, Higdon says he supports the principles of the health care overhaul, even if it means he will pay more as a young man to smooth out premium costs for everyone.
“Hopefully I’ll be old someday, barring some catastrophic event. And the likelihood of me being old is less if I don’t have a good health plan.”
Copyright © 2010 The Associated Press. All rights reserved.
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