Showing posts with label Obamacare. Show all posts
Showing posts with label Obamacare. Show all posts

Monday, January 13, 2014

How Windows 8 is like Obamacare

Let's get one thing straight, this article isn't meant to be an attempt to be flippant about either topic Rather it's about mandates. 

Mandates rarely come without causing someone pain.  Does the pain of a failed operating system rival that of a botched Universal Healthcare mandate?  Unquestionably not but this isn't about equivalence, it's about arrogance.

Windows 8 was launched with great fanfare.  Preceded by not one but two public betas designed to blunt the inevitable shock by a customer base soon to lose their beloved Start Menu.  At the time Microsoft's two Steve's, Ballmer and Sinofsky, touted the gospel of one OS to rule them all.  Even if that wasn't quite true.  

The Windows on your phone wasn't the same as the one on your PC and neither was the one that graced your shiny new Surface RT.

But wait, for some strange reason, nobody wanted the Surface RT or Windows Phone...

Apparently the same went for Windows 8.

It was too much too fast.  A mandate by Goliath to David.  A directive handed down promising an end to our computing tedium and liberation from the evils of multiple platforms.  Remember what I said about not being quite true?

Let's switch from Redmond Washington to the Washington everyone cares about.  The one with D.C. in the name.  The one where the prospect of healthcare for everyone was the dream of Presidents all the way back to Franklin Delano Roosevelt.  So finally, after years of haggling, backroom deals with insurance industry lobbyists and even a Supreme Court challenge the dream became a reality.

Sort of...

The grand idea came with compromise.  Healthcare for all but still at the whim of a corrupt industry that left the poor bankrupt and the sick unhealed.  It was a mandate after all.  Everyone had to play or be subject to a fine.  There would be websites, exchanges and lip service.  If you liked things the way they were you could continue that way....

except...

You couldn't.  That part about whims of a corrupt industry?  Well, when their policies didn't measure up to the law they simply canceled them.  No warning, no notice, just a curt letter.  The claim was that the policies didn't meet muster and more expensive options were the only answer aside from no coverage at all. 

Oh what political hay was made.  Endless prattle about promises broken and families harmed soon ensued.  Meaningless, all of it.  The bottom line was a mandate executed by the executioners with the blessings of the government via flawed public policy.  It all made for glittering sound bites but the result fell short.

Employers railed against the changes claiming crippling costs to provide adequate care and vows to reduce costs on the backs of their laborers.  Even if it meant reducing the labor force itself, suppressing  wages or cutting hours to do it.  It was true costs were spiraling out of control but not because the concept of healthcare for everyone became law.  It was because the moneychangers collecting the bills demanded more.  Something's got to give and it wasn't going to be the insurance industry. 

Employers claimed an unfair burden of their employees healthcare costs but to those in their charge the employer is the only option.   Nobody making minimum wage could shoulder the costs of an individual policy that often exceeded their month's wages.

We blame the ideology instead of the real problem, the insurance companies.  It wasn't the government, well, actually it was because they let it happen.  Ultimately, however, the blame lay squarely at the feet of the messenger (the moneychangers) and they still wanted their share.  Now they had the law to get it for them. 

Nobody likes a mandate and rebellion will soon ensue either subtle or gross.  Tell someone that touch screens and tiles are how you must use a computer from now on and expect some blowback.

Tell insurance companies that they must cover everyone but do nothing to keep them honest and you end up with the healthcare mess we have now.

The similarities are staggering...

Yes, Windows is just an operating system while healthcare is often a case of life or death but the fumble is the same. 

A change in the way we work with our technology was long overdue, Windows 8 showed us a glimpse of a better future.  So too was Universal healthcare but like the ill fated operating system it was a glittering promise that couldn't deliver.  At least not as it is now.


In the case of Windows you could always just stick with the old version or wait for Microsoft to fix their error in judgment with Windows 9.  Not so with Universal Health care, there's no turning back the clock regardless of what the politicians say.   But just like any version of Windows, expect a slew of "patches" in an attempt to make things better.

Friday, June 29, 2012

The Supreme court rules on the Affordable Care Act

Article first published as The Supreme court rules on the Affordable Care Act on Technorati.



In a 5 to 4 ruling with Chief Justice Roberts being the deciding vote, most of the Affordable Care Act (ACA) was upheld. The court ruled that the act's individual mandate was constitutional under congressional tax powers. The ruling largely ignores the argument that the individual mandate is a violation of the commerce clause.


The primary argument for opponents of the ACA focused on the individual mandate to purchase health insurance. They held that congress had overstepped its authority by requiring instead of regulating commerce. Opponents also argued that the purchase of health insurance was a personal choice.


Proponents of the ACA pointed to the right of congress to levy taxes and enforce commerce. Examples of which varied from the individual income tax to the EPA.


However, It did curtail a provision to sanction states that did not expand their Medicaid programs to include the poor under the ACA. In effect creating a toothless mandate since the federal government is prohibited from taking punitive measures against states who refuse to comply.


With this ruling, individuals without medical coverage, (beginning in 2014) can be assessed a tax that begins at $95 and increases every year until 2016 where a formula indexed to inflation is used.


What isn't addressed in the court's ruling were core structural issues with the ACA. Specifically, the Medicaid expansion provisions of the act now effectively void and the vague language concerning required coverage features.


Core to the argument of opponents of the ACA is the government requirement of an individual to be compelled to engage in commerce with a private commercial entity. Today's ruling ignores that argument in favor of the stronger argument of congress' right to tax. The language of the ACA mandate does treat the penalty as a tax and not a transaction.


Even proponents of the ACA admit the program is flawed but like the Medicare part D prescription program from a decade ago they claim it's better than the alternative.


It's not inconceivable that the future may hold low cost minimum coverage health plans with few if any benefits under the current ACA language. Such plans would not be unlike the minimum coverage auto insurance policies commonly seen in states that require auto insurance to register a vehicle.


Little attention has been given to what constitutes the minimum coverage outside of actuarial values concerning deductible and out of pocket expenses based on income. While pre-existing conditions are largely curtailed specifics of what constitutes the features of an effective health plan are vague at best. Likely part of the compromise made to garner insurance industry support, such concerns appear to be left to the insurer.


Proponents of the ACA have called today's ruling a victory for the President while the opposition has vowed to defeat it using legislative measures.


Obamacare as the ACA is commonly referred to by detractors will continue to be hotly debated in the coming months and is likely to be the major political issue of the coming Presidential election.



Monday, February 13, 2012

A softening of Santorum's image?

Originally published as A softening of Santorum's image? on Technorati

Over the weekend news broke of a dramatic turn in the health of Republican Presidential candidate Rick Santorum's 3 year old daughter Isabella.  The New York Times reports that  she was suffering with Pneumonia which is likely a complication of a genetic disorder she's suffered since birth called Trisomy 18. 

The condition results from extra copies of chromosome 18 during embryonic development.  This causes a multitude of health issues including birth defects and serious life threatening medical conditions. 


Santorum has continued with his campaign Monday afternoon after his daughter recovered from the bout with pneumonia giving an address in Missouri with other events planned through Tuesday.

According to reports, Santorum's daughter has been a centerpiece of his campaign and when asked why he'd run with a daughter in such a precarious condition his response was his belief that the Obama health care plan was  "a threat to those like Bella, “on the margins of life.”

The story has been picked up by most news outlets with a piece by the Headline News Network discussing Isabella Santorum's tribulations over the weekend with accompanying soft focus still photos of the candidate with his daughter and light discussion of Trisomy 18 afterward.

As one of the more hard line conservative candidates seeking the 2012 Republican nomination Santorum's views have been seen as radical by some with quotes such as the following from early January;


Or in an April 2003 Associated Press interview on his beliefs on the right to privacy.

"And if the Supreme Court says that you have the right to consensual sex within your home, then you have the right to bigamy, you have the right to polygamy, you have the right to incest, you have the right to adultery. You have the right to anything. Does that undermine the fabric of our society? I would argue yes, it does. It all comes from, I would argue, this right to privacy that doesn't exist in my opinion in the United States Constitution, this right that was created, it was created in Griswold — Griswold was the contraceptive case — and abortion. And now we're just extending it out. And the further you extend it out, the more you — this freedom actually intervenes and affects the family."

205747_ $25 off orders of $100 or moreSantorum's recent showing among Republicans has been poor with the attention focusing largely on his rivals Mitt Romney and Newt Gingrich. Whether he's seen as too radical or just ill-spoken it's unlikely the Santorum campaign can sway enough support for the nomination.  That begs the question of why he would continue on especially when his daughter's condition has been so precarious. 

Santorum has been quoted as saying a primary reason for his campaign is his daughter yet his political positions extend beyond her birth.  As the family values candidate Santorum has been quoted as saying that nothing was more important than the family.  Which makes it somewhat confusing that faced with a less than successful presidential campaign he would choose to return to it so quickly after his daughter's recent bout with illness.

With his daughter at the centerpiece of his campaign these actions seem out of step with his position.  No supporter would hold it against him if he withdrew to attend to family issues.  Still this most recent turn of events will cloud,  if at least temporarily, more radical aspects of his career.  There's no denying the effect even if the observation borders on the tasteless to some.

Soft focus press photos aside it would seem that his daughter's illness may have brought a softer focus to his campaign with extreme positions forgotten at least for now.    

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