It’s been awhile since I’ve written anything about Michelle Malkin, since I rarely run into her on the Web any more. We travel in different circles, apparently. But today I bumped into a column she wrote about Obamacare that shows she’s still the same toxic waste dump of stupid she ever was.
Here’s the story: Because she’s self-employed — a “self-employed small-business owner” in her words — she buys insurance on the Colorado state insurance exchange. But she is not happy.
Our most recent plan features a $6,000 deductible with a $1,000 monthly premium. It’s nosebleed expensive, but provides us access to specialists not curtailed by bureaucratic gatekeepers. This has been important for us because several members of my family have required specialized care for chronic illnesses.
Once again, however, I’ll soon be talking about our plan in the past tense. Choices for families like mine have evaporated in the era of Obamacare. In Colorado, UnitedHealthCare and Humana will cease selling individual plans next year. Rocky Mountain Health Plans is pulling out of the individual market in all but one county. Nearly 100,000 of my fellow Coloradans will be forced to find new insurance alternatives as open enrollment approaches on Nov. 1, according to the Denver Business Journal.
Here’s her punch line:
Every time we receive a cancellation letter, I recall President Obama’s big lie: “If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what.”
Now, that was an ill-advised thing for the President to have said; he probably meant to say that if you like the insurance you have the government won’t take it away from you. But that’s not what he said, so it’s been held against him, and the ACA, ever since.
But it’s not as if people didn’t have their health insurance ripped out from under them before the ACA was passed. It happens frequently enough to people who get their insurance through employment. It’s happened to me at least twice, when an employer decided to go with a different company for group insurance. I remember finding a co-worker weeping, because the new network didn’t include the trusted oncologist who had been helping her husband battle cancer. This was sometime in the late 1990s, long before the ACA.
I don’t know why Colorado or some other states are losing insurance companies, although see Sarah Kliff for one explanation. But this is nothing that a federal pubic option wouldn’t fix, I suspect.
And you’d think that health insurance costs had never gone up before the ACA was passed. The chart from Kaiser shows how employer-based health care has been going up all these years:
But now I want to go back to what Malkin wrote — she’s self-employed, and “several members of my family have required specialized care for chronic illnesses.” And it’s expensive, but it “provides us access to specialists not curtailed by bureaucratic gatekeepers.” I want to know what Malkin was doing for insurance before the ACA. Did she have any at all? If so, did it provide as much coverage? Does she realize that in most states before the ACA, if you had a chronic condition you could be denied coverage? Those pesky pre-existing conditions!
So, thanks to the ACA, she’s got insurance, in spite of the cancellations. Other policies are available in Colorado. She may not like her choices as well, but she’s got choices. Before the ACA, lots of people had no choices. And because so many states stubbornly refuse to expand Medicaid, lots of people who could have choices still don’t have them.
Are some of those family members with chronic conditions children? Remember the war Malkin waged against the S-chip program?
And if she hates Obamacare so much, why is she using it? Oh wait .. because there’s no other insurance available to her? Just a guess. Before the ACA, where you could buy private health plans at all, they tended to be ripoff plans with lousy coverage. In states that didn’t allow ripoff insurance to be sold, often there was little to no private insurance market. Complain to the insurance companies about that, toots.
And yes, health insurance is expensive because health care in the U.S. is expensive. That’s because it’s a mostly private, for-profit system, and there are few controls on price gouging. That was true before the ACA was passed, and it will still be true if the ACA is repealed.
And most of these problems would go away if we reduced or eliminated our dependency on a private, for-profit health care industry — which I’m sure Malkin opposes.