Tag Archives: Obamacare

The technical flaw in Hobby Lobby’s case.

There is one technical flaw in Hobby Lobby’s argument, it is a corporation. If the owners wanted to apply their “religious views” upon their business, that is that the business truly reflects their views, then they should have remained a sole proprietorship or partnership. When you’re an SP, there is legally no difference between the business and the owner. When you incorporate, you are officially telling your state that X is a separate legal entity to you, which affords certain legal protections. The owner could hold any faith or religious views it wants, but your firm, if incorporated, is a separate legal body. The only time this is not the case is if you incorporate as a type of non-profit organization akin to say the Salvation Army for example.

Of course all of this could have been easily avoided by simply de-linking healthcare and employment. We all know how employers came to be offering health insurance plans. But that was a different era. Those benefits should have been terminated decades ago allowing the market to develop an alternative forcing employees to come up with their own plan or some sort of alternate public system.

Another thinking that is striking here is the composition of the health plans in the Exchanges. Why can’t there have been plans tailored to males and females? Prior to the “Obamacare” passage, we had that. Now everyone is mandated to buy the same plan with a ton of stuff they would never need, for example why would men need pregnancy coverage?

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Another move step closer in me losing love of Obamacare

Accenture replaces CGI for troubled Obamacare site

Thursday, January 16, 2014

CGI Federal has been replaced as the lead contractor for the Obamacare enrollment website by Accenture after a series of setbacks.

The Accenture contract which will replace CGI Federal’s contract after it is scheduled to end on the28th February, has been valued at £58 million.

The HealthCare.gov portal which failed to function after becoming overloaded by visitors, provides enrolment services to the public, as part of the U.S. government’s nation healthcare reform plans.

Accenture Federal Services chief executive David Moskovitz, said: “Accenture will bring deep healthcare industry insight as well as proven experience in building large-scale, public-facing websites to continue improving HealthCare.gov.”

The US Centers for Medicare and Medicaid Services (CMS), which supervised the launch, said: ““As CMS moves forward in our efforts to help consumers access quality and affordable health coverage, we have selected Accenture to become the lead contractor for the HealthCare.gov portal, and to prepare for next year’s open enrolment period”.

via Accenture replaces CGI for troubled Obamacare site – News – outsourcing – sourcingfocus.com.

In the past few months I helped 4 people get plans. I dealt with their crap website. So far, only 1 person even was contacted by the insurance providers. When the Affordable Care Act passed, I approved the concept, having dealt with private insurers who have screwed me and family and friends in the past. I grudgingly approved of the mandate, which goes against my civil libertarian ideals  because I’ve seen a lot of people either unable to get insurance get financially burned using the ER or simply decided to not get insurance even if they could afford it and pass on the cost to others. As a disabled person, I approved of pre-existing conditions portion of the law. The law was based on Nixoncare, Romneycare and Swisscare and what the Heritage Foundation proposed; the Swiss had it for almost 20 years and from what I can tell is highly successful (it is still slightly different than Obamacare and Romneycare).

Saying all that, the legislation has a lot of problems. While I personally would have preferred a single payer system or a “public option” or at least some kind of system that had univesal coverage. But we didn’t get that, we got what conservatives proposed in the past. It is what it is. But, then I see here something like this, that our tax dollars are being used for firm who will outsource the labor overseas. The website may have been done this way as well. Look, if a private firm wants to outsource to an offshore location, hey it is their money. But when it comes to utilizing OUR tax dollars, I want the work kept inside our borders! Between the half ass follow through by insurers/system after signing up to now this, I most likely will have to re-think my support for Obamacare. It probably doesn’t matter what I think, not like it has any impact. But still man, it ain’t right that our tax dollars be sent overseas for work that could have been done here. And don’t even get me started on how even when it is done here, a lot of software firms are utilizing H1-B visas to bring in workers from India. How many coders here are looking for work? There are Americans who are easily as qualified who could have coded for that damn website. But no, American tax dollars for foreign workers. Madness..I tell you..pure madness.

My take on tomorrow’s SCOTUS decision on the Affordable Care Act

The way I see it, this whole healthcare thing can go one of three ways:  The Supreme Court can say the whole thing stays, and thus the Affordable Care Act goes into full effect in 2014 (unless Romney becomes President, then who the heck knows). SCOTUS can say the whole “Obamacare” is bunk and has to go (due I suspect mainly from severability). But, if SCOTUS rules only that the individual mandate has to go, thats when things get interesting.

If you remove the mandate, the health insurance industry begins to face the grim prospect that people will only purchase coverage when they need it.  They may have to raise premiums to those already holding coverage (who may drop it). Insurers may also just get out of the health insurance market entirely. But assuming the last part doesn’t happen, then they will be inundated by sick people, and their risk pool will become completely skewed to the point where their already faltering business model goes into the toilet.

 

Now they are financial companies, and under current law and a political climate against bailouts, these insurance companies will start to implode. Eventually, the prospect of hundreds of millions of Americans losing coverage as their insurer becomes history, the acting President when this happens may make the executive decision to open up Medicare to everyone.