Details Missing in CBO Projected Healthcare Coverage “Losses”

Numbers can deceive when important details are left out.  The recent Congressional Budget Office assessment of the Senate Republican healthcare bill estimated the reduction in the number of people covered by health insurance.

Most of the coverage dropped would be because of state laws, not federal.  The states set Medicaid coverage standards.

Another big chunk of the “losses” would be those who did not want coverage anyway.  Those forced to buy by the mandate penalties.

According to Politico:

<The House Republican health care overhaul would repeal the individual mandate penalty, and according to the CBO, this would be the single biggest driver of raising the uninsured rate by 14 million next year.

“Most of that increase would stem from repealing the penalties associated with the individual mandate,” the CBO report reads. “Some of those people would choose not to have insurance because they chose to be covered by insurance under current law only to avoid paying the penalties, and some people would forgo insurance in response to higher premiums” (emphasis ours).>

Read the entire article at:  http://www.politifact.com/truth-o-meter/statements/2017/mar/22/chris-murphy/house-gop-health-care-bill-would-cause-14-million-/

 

The projected 30% reduction in premiums should help some, but the out-of-pocket costs might still leave some people out.

Who says the people insured are “covered?”  Some people wait more than a month, and then drive 50 miles to see the only doctor who accepts Medicaid, or a high-deductible “bronze” plan from the only remaining insurer.

Bernie Sanders’ assertion that “thousands” of “excess deaths” would result is based on numbers from studies of people with untreated, cancer, heart disease, and diabetes.  This same population could get no or inadequate treatment under Medicaid and low-end health insurance coverage.

And, what if the newly uninsured population is skewed towards young, healthy people who just dropped out?  Would the results be as dire?

Without a detailed demographic breakdown of the CBO numbers, we are left to speculate and infer what we choose.

 

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Obamacare 6.7 Million Employees Lose Health Insurance

Yes, as I wrote in my August 31, 2016 article “Middle-Class Families Robbed by Obamacare – Before and After Taxes,” Obamacare has seen employers drop health insurance benefits for employees (6.6 million in 2014).

The administration boasts an increase of 9.5 million using the new exchanges in 2014.  Heritage.org provided this diagram of changes in health insurance coverage for 2014.  It shows that of 9 of the 9.25 million people newly covered were enrolled in expanded Medicaid.

It also shows the decrease in 6.7 million employer provided health insurance and 4.8 million increase in individual insurance.  Apparently 2.1 million self-insured (private pay, no insurance).

Employers stopped health insurance for 6.7 million employees after Obamacare came into effect.  The premiums paid by the employer for those insurance benefits were not taxed to the employees.

Often, those employers did not increase the paychecks of employees, they just pocketed the money.   The employees got a pay cut equal to the premiums.  The employees bought new coverage through the exchanges with after-tax dollars, probably for higher premiums than the employer paid.  But, even if the employee could buy equivalent coverage for the same premium, the employees lose.

Example:

Mary Smith earns $4,000 per month (taxable) and health benefits of $1,000 per month (not taxable).

Employer health insurance $1,000.  Equivalent individual coverage $1,400.

In the first example, Mary has $1,400 less per month, $16,800 per year.  The employer gains $1,000 per month, $12,000 per you.

In the second example, Mary has $615 less per month, $7,380 per year.  The employer loses $65 per month, $780 per year.

Employer Drops Health Insurance and Does Not Increase Salary to Offset

Obamacare

Employee Compensation

Before After Change
Salary 4,000 4,000 0
Income tax withholding 15%    600    600 0
Social Security & Medicare 6.75% 260 260 0
Paycheck                                              3,140 3,140 0
     
Health Insurance -1,400 -1,400
Total After-tax, after insurance       3,140 1,740 -1,400
Employer Costs
Salary 4,000 4,000 0
Social Security & Medicare 6.75% 260 260 0
Health Insurance 1,000 0 +1,000
Total Costs                                          5,260 4,260 +1,000

 

 

Employer Drops Health Insurance and Does Increase Salary to Offset

 

Obamacare
Employee Compensation Before After Change
Salary 4,000 5,000 +1,000
Income tax withholding 15%    600 750 -150
Social Security & Medicare 6.75% 260 325 -65
Paycheck                                              3,140 3,925 +785
     
Health Insurance -1,400 -1,400
Total After-tax, after insurance       3,140 2,525 -615
Employer Costs
Salary 4,000 5,000 +1,000
Social Security & Medicare 6.75% 260 325 -65
Health Insurance 1,000 0 -1,000
Total Costs                                          5,260 5,325 -65

 

 

 

 

Whining the Election – Trumpled Aspirations

Over the 52 years and 13 presidential elections I have been eligible to vote, I have never seen such sore losers, and humble winners.

I am disappointed with the disparate responses to the results of the 2016 presidential election.  Smug expectations from pollsters and pundits seem to have set a trap for Hillary’s disciples, and set a stage for impetuous, righteous indignation.  Rejection, disputation, refutation, spoilsport language, protests, and denial among disgruntled Clinton supporters is “over-the-top,” and “unpresidented.”  “He is not my president,” spake Gloria Steinem, Wednesday morning.  (Ironically, in the past, she also said, “The truth will set you free, but first it will piss you off.”) 

Why have Mrs. Clinton’s avid proponents gone off the rails into the deep waters of denial and despair?

I believe the presumption that Hillary Clinton had a commanding lead over Donald Trump was their downfall.  Belief in optimistic statistics led to haughty attitudes and supercilious sneers on the faces of Hillary’s fans.  The extreme vanity of the oracles’ predictions led to nasty, braggadocios, arrogance.  When pride met gravity, the indignity of the pratfall magnified the embarrassment of hubris. The expectations of overwhelming victory were shredded, by the unexpected appearance at the polls of hordes of angry, underserved workers.  The ambush of the uncounted, disenfranchised citizens prevailed.

The carefully crafted deception of optimistic unemployment statistics did not fool the people who took discounted wages and lesser jobs over the last eight years.  These voters had no voice among Democrats who applauded the “champion of hope” for his rescue of the economy, and restoration of the American Dream.  They were not deceived by or grateful for their thinly disguised demotions and the smiling, dismissive, carefully worded denigrations spun by an accommodating media on behalf of the Obama administration.

The scales did not fall from their eyes, because no scales formed as they lost their jobs, houses, cars, and pride.  The Affordable Care Act did not replace the healthcare insurance they lost when their employer dropped their health coverage; when they lost their jobs, their hopes were dashed by the failure of the “marketplace” to make personal health insurance and their out-of-pocket costs affordable.  Instead, they found themselves ravaged by astronomical premiums, deductibles, copays, and incredible prescription prices.  Hospitals and pharmacies raised their nominal, private pay prices to offset the discounts demanded by insurance providers.  The uninsured were left with impossible choices.

Promise after promise lay fallow by the roadside.  Example after example of the USA borrowing trillions of dollars to pay for the rest of the world’s problems and defense festered, while Americans suffered from the Great Recession.  Pact after pact, treaty after treaty left us at disadvantage.  Military efforts left us looking weak, as we shrank from conflicts under cover of spin.  Former allies spat disparaging invectives on our leaders.

Did Hillary’s followers believe she could pull us out of the ditch of weakness and doubt created these past eight years?  Did her apostles think her baggage and prevarications would evaporate by inauguration?  No wonder they were blindsided when Trump won.

Doctors & Hospitals Reject Pre-existing Fedicare

Health care providers are rejecting people with Obamacare policies, Medicare, and Medicaid because of reimbursement rates, and the financial inabilities of Obamacare patients to pay their share.

Context

Insurance spreads large financial risks over a pool of people who face that risk.  Only some of the people will actually experience the losses.  Members of the pool pay “premiums” to pay the losses, administer the process, and provide a profit to the owners of the insurance company.

Insurance companies use “underwriters” to:

  • Measure the potential financial risks of issuing policies
  • Set the conditions included and excluded
  • Set the premiums and duration of coverage

The idea is to:

  • Keep premiums low for normal risk people
  • Set higher premiums for people with higher risks
  • Limit coverage for conditions that already exist
  • Decline people who are high risk

Obamacare Reality

Obamacare health insurance plans cannot decline people with pre-existing conditions, by law.  The medical costs are not a risk for these people, they are an enormous, financial certainty.  These high costs must be covered by premiums paid by other insured policy holders, or absorbed by the insurance company.

Obamacare prohibits “marketplace” insurers from rejecting high-risk applicants, and people with preexisting conditions.  However, not all policies are created equal.  The variables are:

  • Premiums
  • Government premium subsidies
  • Patient co-payments
  • Patient and family deductibles
  • Reimbursement rates (the amounts insurers pay the doctors, laboratories, imaging clinics, and hospitals)

Service providers need to get paid an acceptable amount, in an acceptable amount of time.  Insurers offer reimbursement levels, but providers do not have to accept them.  Providers can set the minimum for their services, but the insurers do not have to include them in their “network.”

The medical community now does what insurance companies used to do – when in doubt, decline Obamacare, Medicare, and Medicaid patients.

The top quality insurance companies are withdrawing from the marketplaces to avoid the losses they experience from the pre-existing condition patients.  The insurers are limiting the types of plans to Health Maintenance Organizations (HMO’s) which only use selected providers.  They are eliminating Preferred Provider Organizations (PPO’s) which give the insured choices of providers within a selected “Network,” and “Out of Network” for higher copays.

People are dropping their health insurance because the combined costs of premiums, co-pays, deductibles; the lack of providers who accept their insurance contributes to this attrition.

Populists Remodel, Instead of Making New Parties

“Americans are not only strongly dissatisfied with the state of the economy and the direction in which the country is headed, but with government efforts to improve them. As the Pew Research Center’s analysis of exit poll data (2010) concluded, “the outcome of this year’s election represented a repudiation of the political status quo…. Fully 74% said they were either angry or dissatisfied with the federal government, and 73% disapproved of the job Congress is doing.”

http://www.pewresearch.org/2010/12/14/how-a-different-america-responded-to-the-great-depression/

Like the two poles of a magnet, anger and dissatisfaction manifested in favor of a clearly popular Bernie Sanders movement on the left, and more clearly in the ascendancy of Donald Trump on the right.

The Democrats

Bernie Sanders attracted a large plurality of younger citizens to socialist ideas for solving perceived failures of government.  The Obama administration did nothing to ameliorate the impact of staggering loan burdens on college students; the Affordable Care Act not only failed to manage healthcare needs, it aggravated the problems of access and affordability.

Super delegates, and the strident support of the DNC establishment saved Hillary Clinton’s primary candidacy from an embarrassing drubbing by the populists.  Nonetheless, the Democrats had to shift their platform to the left to avoid losing the new voters Bernie Sanders attracted.  The party apparatchiks felt their grip on power slipping, and quickly adjusted to retain control.  Witness the remodeled Democratic Party

The Republicans

The Republican powers-that-be were not so lucky; by denying, resisting and eschewing, they lost control of the party to a populist candidate beyond their influence.  Donald Trump, by design or blind luck, tapped into the anger and frustration of a tsunami of new and dormant voters on the right. Instead of building a new third party, ala Ross Perot, Trump remodeled the Republican Party.  This massive wave of constituents was so strong that sixteen traditional candidates succumbed to mild taunting and criticism in televised debates, and strong turnouts in the primaries.

The barrage of criticism from both parties, the withdrawal of political support by RNC powerhouses, and the withholding of financial support by big-time contributors could not stop a political neophyte from becoming the Republican candidate on a tiny fraction of the money spent against him.  The Republican Party has been transformed into a conservative, populist majority; sour grapes, snubs, and disownment remain ineffective on the new dynamics of the party.

“I’m mad as hell, and I’m not going to take it anymore,” is our new national creed.

Love Is Blind – Exaggeration Is Rampant

Those who love Hillary Clinton can hardly contain their hyperbole.  Let us put it this way:  Hillary Clinton is not, “the best qualified candidate for president America has ever seen.”  While she has done many admirable, and noteworthy things, it takes a fairly partisan filter to make them presidential.  In fact, we would have to give a “participation trophy” for many of the things she has done.

Achievement is not attendance, support, involvement, engagement, pursuit, publishing, membership, advocacy, writing, researching, promoting, and most of the descriptors in the articles, blogs, and websites promoting her qualifications. 

Is she really better qualified than Abraham Lincoln? Yes, he was a man with few credentials, but he managed the most excruciating period in all of our nation’s history.

Is she even close to George Washington? George Washington was chosen by acclamation; rightly so in that he led the colonies to victory over the greatest military force in the world. He was a highly principled man, who pandered to no one. He was a successful wealthy businessman.  He managed the most challenging period in our early history.

What about Franklin D. Roosevelt, who defied his social class to lead the nation through the worst combined experience in the last century?

How about Teddy Roosevelt, Thomas Jefferson, Harry S. Truman, Dwight D. Eisenhower, Bill Clinton, Andrew Jackson and Woodrow Wilson (the top 10 according to a 2014 Washington Post survey.), or Barak Obama (Ranked 18)?

Does being First Lady, being a senator, or being a cabinet appointee give her astounding qualifications to be president?

As far as I can see, the only elected executive position she has held was “president of the college’s student government associations” at Wellesley College.

(Update: “Hillary Clinton Removes Hamas-Israel Ceasefire Accomplishment from Biography as Gaza Tensions Rise”

https://www.ijreview.com/2016/02/528923-hillary-clinton-removes-hamas-israel-accomplishments-from-biography/

Ah well, history in the remaking.)

 

Where can we find descriptions of her achievements and qualifications in very supportive, favorable publications?  Here are extracts from two articles that called for examples of her qualifications.  It seems that both articles point to her efforts and activities instead.  You be the judge.

First, extracted from https://www.quora.com/What-has-Hillary-Clinton-achieved

phrases used to describe Hillary’s achievements:

  • became engaged in politics
  • took part in political campaigns
  • graduated from Wellesley College
  • was involved in student government
  • elected president of the college’s student government associations.
  • worked with the college’s African-American students
  • became the first student in Wellesley’s history to offer its commencement address
  • received a 7- minute standing ovation
  • criticized Senator Edward Brooke
  • was on the editorial board of the Yale Review of Law and Social Action
  • worked with the Yale Child Study Center
  • wrote “Children Under the Law”
  • researched issues affecting migrant workers
  • served as staff attorney for the Children’s Defense Fund
  • moved to Arkansas with Bill Clinton
  • began teaching criminal law
  • joined the Rose Law Firm
  • pursued patent infringement and intellectual property law
  • became a partner in 1979
  • co-founded the Arkansas Advocates for Children and Families
  • publish scholarly articles in the field of children’s law
  • served on the board of directors of the Legal Services Corporation
  • served as First Lady of Arkansas
  • served as chair of the Arkansas Education Standards Committee
  • implemented standards for curriculum and mandatory teacher testing
  • served on the board of nonprofits
  • was on the corporate board of TCBY and Walmart
  • pushed for environmental reforms and for more women in its corporate management
  • regarded as the most politically influential first lady in the history of the United States
  • played an important part in vetting presidential appointments
  • headed the unsuccessful effort to achieve national healthcare reform
  • worked with the U.S. Senate to pass the State Children’s Health Insurance Program
  • was influential (in) the passage of Foster Care Independence Act
  • traveled extensively and advocated for women’s rights around the world
  • was elected United States Senator from New York twice
  • served on Senatorial committees
  • worked in a bipartisan manner
  • was instrumental in securing funding for recovery efforts and increased security for New York state.
  • voted for the wars in Afghanistan and Iraq
  • began calling for gradual withdrawal from Iraq
  • opposed the increase of troop deployment of 2007
  • voted in 2007 for a spending bill that would require a withdrawal of U.S. troops from Iraq.
  • voted against Bush’s tax cuts
  • supported immigration reform as a senator
  • led a bipartisan effort to bring broadband access to rural communities
  • was the first former First Lady to occupy a cabinet position
  • conducted many diplomatic missions
  • visited over 100 countries
  • did a great deal to repair international relations
  • lead the U.S. response to the Arab Spring in Egypt, Tunisia, Libya, Yemen
  • was the key advocate for U.S. participation in the military intervention in Libya
  • argued successfully that the United States not release photographs of the Al Queda leader
  • was vital in conducting relations with Pakistan and Afghanistan
  • worked to restart negotiations between Israelis and Palestinians
  • establish(ed)ing direct talks in 2010
  • travel(led)ing to Jerusalem in 2012 in an effort to stop the 2012 Gaza conflict.
  • promoted women’s right and human rights
  • advocated for gay rights at the UN Human Rights Council
  • oversaw damage control in response to the Wikileaks revelations of State Department cables
  • testified to Congress regarding the killing of U.S. Diplomatic staff in Libya
  • co-chaired the U.S-China Strategic and Economic Dialogue in 2009
  • mediated in the electoral crisis in Honduras in 2009
  • unveiled the Global Hunger and Food Security Initiative for Bill Clinton’s Clinton Global Initiative.
  • visited Haiti in 2009 and Chile in 2010 in response to catastrophic earthquakes.
  • played an important role in lobbying the U.S. Senate to ratify the new START treaty in 2010.
  • was outspoken in support of legitimate democracy in Russia
  • was the first Secretary of State to visit Burma since 1955
  • played a vital role in the passage of the Turkish-Armenian Accord
  • initiated reforms in the State Department

Am I missing something?  Which of these supports qualification to be president?

Second, an article from politico:

http://www.politico.com/magazine/story/2015/09/carly-fiorina-debate-hillary-clintons-greatest-accomplishment-213157

THE FRIDAY COVER

What Is Hillary’s Greatest Accomplishment?

Carly Fiorina dared Democrats to name it. 20 top Dems accepted the challenge.

By POLITICO MAGAZINE

Getty

“If you want to stump a Democrat, ask them to name an accomplishment of Hillary Clinton,” Carly Fiorina quipped at Wednesday’s Republican debate. The line got hearty applause—but it also cut to the core of one of the defining lines of attacks against the former first lady and Democratic presidential frontrunner. After nearly forty years in public life, what exactly has she accomplished?

It’s a question that even, at times, has tripped up Clinton herself: During her 2014 book tour, when ABC’s Diane Sawyer asked her about her “marquee achievement,” Clinton changed the subject and she fumbled over a similar question during a women’s forum in Manhattan last year. “I see my role as secretary—in fact leadership in general in a democracy—as a relay race. You run the best race you can run, you hand off the baton. Some of what hasn’t been finished may go on to be finished,” she told Thomas Friedman. “I’m very proud of the [economic] stabilization and the really solid leadership that the administration provided that I think now leads us to be able to deal with problems like Ukraine because we’re not so worried about a massive collapse in Europe.”

The question Fiorina posed has also tripped up members of the Obama administration. When State Department spokesperson Jen Psaki was asked last year to “identify one tangible achievement” accomplished through one of Hillary Clinton’s key projects as Secretary of State—the first-ever audit of the department—Psaki punted, “I am certain that those who were here at the time, who worked hard on that effort, could point out one.”

Hillary’s supporters have been stumped too. When Bloomberg Politics’ Mark Halperin asked a focus group of Iowans this summer about Hillary Clinton’s accomplishments, one Democratic supporter said, “I honestly can’t say I followed along [with] everything that was going on.”

So is Fiorina right? Are Democrats really unable to defend Clinton’s record on the merits? To find out, Politico Magazine on Thursday asked the nation’s top Democratic leaders and thinkers to name Hillary Clinton’s biggest accomplishment.

What is the most impressive item on Clinton’s record? Which legislative or policy triumph from her many years in office will be most important on the campaign trail? Not surprisingly, those surveyed all came up with an answer to defend their party’s likely presidential nominee. Whether these count as “marquee,” “significant,” or “tangible”? You be the judge.

‘It’s kind of hard to pick one accomplishment’

By Bill Burton, former senior strategist for Priorities USA Action, a super PAC in support of President Barack Obama.

It’s kind of hard to pick one accomplishment for Hillary Clinton. Personally, I’m sure she’d say her daughter and grandchild are her greatest accomplishments. Professionally, how about these three?

  1. Her China speech on women
  2. Her role in killing Osama bin Laden
  3. Management of the State Department during which time we saw a 50 percent increase in exports to China
  4. Aggressive work on climate (particularly at Copenhagen)
  5. The effort to create and implement the toughest sanctions ever on Iran—helping to lead us to the agreement currently on the table.

‘The sanction on Iran that brought them to the table’

Howard Dean is the former governor of Vermont and the former chair of the Democratic National Committee.

Hillary Clinton was the principal author of the sanction on Iran that brought them to the table.

‘Nearly every foreign policy victory of President Obama’s second term has Secretary Clinton’s fingerprints on it’

By Harry Reid, Senate Democratic leader.

American foreign policy was stronger when Hillary Clinton left the State Department than when she arrived. She took the reins from a Bush administration that had left America’s reputation deeply damaged and planted the seeds for the foreign policy successes we see today. From the

  1. agreement to prevent Iran from obtaining a nuclear weapon
  2. landmark normalization of relations with Cuba, nearly every foreign policy victory of President Obama’s second term has Secretary Clinton’s fingerprints on it.

Her accomplishments extend to health care, as well.

As First Lady, she helped create and guide through Congress Children’s Health Insurance Program, a key program that brought health care coverage to millions of children.

As a Senator, she worked across the aisle to provide full military health benefits to reservists and National Guard members.

Secretary Clinton was also an outspoken champion for women around the world. She set records for travel while leading the State Department and used every trip to empower the women of the 112 countries she visited. She made gender equality a priority of U.S. foreign policy. And she created the ambassador at large for global women’s issues, a post charged with integrating gender throughout the State Department.

 ‘The SCHIP program … which expanded health coverage to millions of lower-income children’

By Anita Dunn, Democratic political strategist.

After universal health care failed in 1994, the Clinton Administration was reluctant to go anywhere near healthcare again—Democrats lost the Senate and the House in 1994, and losing the house was for the first time in 40 years.

Then-First Lady Hilary Clinton ended up being the White House ally and inside player who worked with Ted Kennedy and Orrin Hatch to create the SCHIP program in Clinton’s second term, which expanded health coverage to millions of lower-income children.

She has other accomplishments but this one made a huge difference, and came at a time when politically the Administration was cutting deals with Newt Gingrich on the budget and not necessarily all that enthusiastic about revisiting health care.

This obviously isn’t her only accomplishment but it is meaningful because she took a political battering after the failure in 1994 but came back to fight again, and was able to work on a bipartisan basis during a very polarized time to get this done. Seems relevant!

‘Clinton is one of the most accomplished people ever to run’

By Chuck Schumer, U.S. Senator for New York, Democratic party.

Hillary Clinton is one of the most accomplished people ever to run for the Presidency. I’m lucky enough to have seen those accomplishments up close from her time as Senator from New York and as Secretary of State. Hillary Clinton

  1. was instrumental in helping secure $21 billion in federal aid to help New York rebuild after 9/11. She fought tooth and nail to protect the first responders who rushed into danger when the towers collapsed and was pivotal in the passage of legislation that helped those first responders who got sick get the care and treatment they deserved.
  2. worked night and day to protect and create jobs in New York, whether that was at the Niagara Falls Air Force base or the Center for Bioinformatics at the University of Buffalo. She also led the charge on the Lilly Ledbetter Pay Equity Act, which is now the law of the land.

‘Rebuilding America’s leadership and prestige overseas after the Bush years’

Bill Richardson is a former secretary of energy and governor of New Mexico.

As Secretary of State, Hillary Clinton was key in rebuilding America’s leadership and prestige overseas after the Bush years.

She restored our alliances with the EU and key Asian allies as well as key relationships in Africa and Latin America.

 ‘The Pediatric Research Equity Act’

By Chris Dodd, former U.S. Senator for Connecticut, Democratic party.

Having worked with her in the Senate and on the HELP Committee, the first thing that came to mind was her

  1. authorship of the Pediatric Research Equity Act. This law requires drug companies to study their products in children. The Act is responsible for changing the drug labeling of hundreds of drugs with important information about safety and dosing of drugs for children. It has improved the health of millions of children who take medications to treat diseases ranging from HIV to epilepsy to asthma. Millions of kids are in better shape and alive because of the law Senator Clinton authored.

‘Crippling sanctions against Iran’

By Paul Begala, political analyst for CNN and counselor to President Bill Clinton.

Easy: Iran sanctions. Sec. Clinton accomplished the nearly impossible mission of getting China, Russia, the European Union and the civilized world on board with crippling sanctions against Iran. This is what brought Iran to the negotiating table.

‘Clinton struck major and consequential diplomatic achievements’

By Bill Scher, senior writer at the Campaign for America’s Future.

Hillary Clinton has four major accomplishments from her tenure as Secretary of State: winning the

  1. UN resolution supporting military intervention in Libya
  2. New START arms control treaty with Russia
  3. renewing diplomatic ties with Myanmar
  4. setting in the motion talks that culminated in the Iran nuclear deal.

We don’t see the Clinton campaign or other Democrats leap to cite most of these accomplishments because they come with degrees of future uncertainty and, in the case of Libya, associations with the tangentially related Benghazi attack. But they are significant accomplishments nonetheless.

Clinton is often mocked for failing to “reset” relations with Russia. But the New START treaty is being followed and helping contain tensions. She won Russia’s support for UN sanctions on Iran that helping bring the rogue state to the negotiating table. And she cajoled Russia to abstain on the Libyan resolution, which was critical to securing its passage in the UN Security Council. (In fact, she may have “reset” too well. Vladimir Putin, who was not President at the time, opposed the resolution and that may have contributed to his decision to reclaim his post.)

The aftermath of that Libyan intervention has been messy, with rival governments fracturing the country, although unity talks are currently taking place. Myanmar has not been perfect either. The promise of released political prisoners has only been partially filled. And the military is being accused of manipulating the upcoming general election. Still the participation of the previously banned National League for Democracy party is a step forward.

These are reminders that, in the real world, progress is often halting. But the fact remains that Clinton struck major and consequential diplomatic achievements, even if the final historical judgment on their lasting impact is years away.

 ‘I’ve seen, first-hand, her exceptional work at every level

By Patrick Leahy, U.S. Senator for Vermont, Democratic party.

I’ve seen, first-hand, her exceptional work at every level—when she was in the White House as First Lady; later, when we were partners and neighbors as senators; and after that, when she was Secretary of State.

  1. Just one example, which is one of her enduring legacies as First Lady, was her partnership with Congress in developing the Children’s Health Insurance Program (CHIP), which has improved access to essential health care for millions of kids.
  2. In the Senate we worked together on efforts to clean up Lake Champlain and to help Vermont’s and New York’s family farmers.
  3. (As a senator from New York,) She was at the center of securing help for New York’s 9/11 first responders.
  4. We worked together in enacting the Lilly Ledbetter Fair Pay Act, which was the first bill signed into law by President Obama.

I was chairman of the State Department’s budget committee when she was Secretary of State, and I worked closely with her—week to week, and sometimes day to day—on a wide, wide range of issues and challenges, from human rights to global health.

  1. We traveled together to Haiti as we worked to help that country recover from the devastation of the earthquake.
  2. She had a leading role in securing tougher sanctions on Iran.
  3. We worked together to successfully overcome obstruction by House Republicans of the funding she requested to improve embassy security around the world.

Some of her most important achievements were her steady, methodical efforts, with the President, to help reintroduce America to the world.

 ‘She was the point person … compelling the Chinese to commit to cutting carbon emissions.’

By David Axelrod, former Senior Advisor to President Barack Obama.

When I was there, she played a very active role in

  1. rallying the world behind the global sanctions against Iran that brought them to the table over their nuclear program.
  2. She was the point person in Copenhagen in compelling the Chinese to commit to cutting carbon emissions.
  3. She personally negotiated a ceasefire between Israel and Hamas.

Those are a few that come to mind.

‘The Adoption and Safe Families Act’

By Neera Tanden, President of the Center for American Progress.

As First Lady, Hillary was the

  1. point person in the Clinton Administration on the Adoption and Safe Families Act of 1997, a bill that refocused adoption policies on the needs of the children, made it easier to remove children from abusive situations, provided support and services to adoptive families, and encouraged adoption of children with special needs. The bill increased foster adoptions by 64 percent by 2002.

Hillary helped develop the idea behind this bill, first writing about it in a 1995 article. She went on to work with Republicans and Democrats in Congress, including moderate Rhode Island Republican John Chafee, to see the bill through to final passage, helping broker compromises to ensure the bill’s passage.

This was not a big bill that dominated headlines. But for every child who was placed in a loving home because of this legislation, Hillary’s work was more than an accomplishment on a resume; it was an important part of the reason their lives were better.

 ‘Clinton has at every turn fought for progress and opportunity’

By Tracy Sefl, former senior advisor to Ready for Hillary.

The reality is that Hillary Clinton has at every turn, fought for progress and opportunity. As her campaign continues, she’ll continue to share exactly what those fights have entailed, and for who—

domestically, on behalf of children, veterans, active military, first responders, victims of gender-based violence, family caregivers, pregnant women.

As Secretary of State, she helped restore America’s standing during challenging times, meaning that her tireless diplomatic efforts brought forth progress with

  1. tougher sanctions
  2. missile reduction treaties
  3. ceasefires
  4. strengthened international coalitions.

And critically, her core belief—that the improved lives of women and girls worldwide will leads to stronger and safer economies—is proving to be transformational in the 21st Century.

‘The new START Treaty’

By Hilary Rosen, a Democratic strategist.

Hillary Clinton, as Secretary of State, led the negotiations that led to the new

  1. START Treaty, a landmark revision of our nuclear arms agreement with Russia. It received bipartisan support in Congress and represents a critical leg in our national security and a safer world.

‘A relentless advocate for women and children’

By Douglas Schoen, pollster for President Bill Clinton.

Hillary Clinton has:

  1. has championed women’s reproductive rights as well as establishing the importance of early education.
  2. played a critical role in the creation of the Adoption and Safe Families Act.
  3. introduced the Paycheck Fairness Act as well as the
  4. Lilly Ledbetter Fair Pay Act.

‘Galvanizing the Senate after the tragedy of 9/11’

By Barbara Boxer, U.S. Senator for California, Democratic party.

What Hillary Clinton has accomplished in any given year–from leading efforts to impose the toughest

  1. Iran sanctions
  2. making women’s rights central to our foreign policy to
  3. galvanizing the Senate after the tragedy of 9/11 to rebuild the city and take care of our brave first responders.

‘A ‘smart power’ diplomacy’

By Harold Koh, former Legal Adviser of the Department of State.

As Secretary, Hillary Clinton defined and tried consistently to implement a “smart power” diplomacy that combines diplomacy, development, aid, rule of law and private initiatives with limited applications of hard power to project U.S. global leadership abroad.

In an age where our hard power resources are limited and near exhaustion, her approach is a much more promising than the Republicans’ to addressing our hardest global problems in the years ahead.

  1. The Iran nuclear deal
  2. multilateral trade talks
  3. climate change negotiations are only three current concrete examples of that approach in action.

‘She helped hold together the Presidency and the country’

By Dennis Kucinich, former U.S. Representative from Ohio.

When the Clinton Administration was under attack and facing impeachment, Hillary Clinton

  1. s(h)owed great courage, fortitude and perseverance.
  2. She helped hold together the Presidency and the country by virtue of her steadfastness and determination.
  3. Her conduct revealed an extraordinary resilience and grace under pressure, which are the hallmarks of a strong leader.
  4. Even more than her considerable work on health and education, her effort to be a unifying force at that time was important for America.

‘The world is safer and people are more free thanks to Hillary Clinton’

By Donna Brazile, Democratic strategist and contributor to CNN and ABC News.

  1. As Secretary of State, Hillary Clinton was instrumental in building an international coalition around the toughest regime of sanctions against Iran in history.
  2. She went to Beijing 20 years ago and declared that women’s rights are human rights.
  3. More recently, she stood before representatives of nations like Russia and Uganda and stated boldly that gay rights are human rights, too.

Today, the world is safer and people are more free thanks to Hillary Clinton.

Here at home, from her very first job out of law school—at the Children’s Defense Fund—Hillary Clinton has delivered results for Americans most at risk of discrimination and restricted opportunity.

As First Lady, she

  1. championed healthcare reform at the comprehensive level and through SCHIP for children living in poverty.
  2. In the Senate she fought to raise the minimum wage,
  3. she stood up for 9/11 first responders and she was a tireless
  4. advocate for legislation to protect and expand the right to vote.

 

Summary

Compiling the 47 answers and eliminating duplication, here is what they said were her lifelong greatest accomplishments:

Pre-First Lady:

  1. First job out of law school—at the Children’s Defense Fund
  2. She went to Beijing 20 years ago and declared that women’s rights are human rights

As First Lady:

  1. Point person in the Clinton Administration on the Adoption and Safe Families Act of 1997, a bill that refocused adoption policies on the needs of the children, made it easier to remove children from abusive situations, provided support and services to adoptive families, and encouraged adoption of children with special needs
  2. Championed healthcare reform at the comprehensive level and through SCHIP for children living in poverty.
  3. Advocate for legislation to protect and expand the right to vote.
  4. She stood before representatives of nations like Russia and Uganda and stated boldly that gay rights are human rights, too.

As Senator from New York:

  1. Stood up for 9/11 first responders and she was a tireless
  2. Fought to raise the minimum wage,
  3. Introduced the Lilly Ledbetter Fair Pay Act.
  4. Author(ed)ship of the Pediatric Research Equity Act. This law requires drug companies to study their products in children. The Act is responsible for changing the drug labeling of hundreds of drugs with important information about safety and dosing of drugs for children.
  5. Worked together on efforts to clean up Lake Champlain and to help Vermont’s and New York’s family farmers.
  6. Worked night and day to protect and create jobs in New York, whether that was at the Niagara Falls Air Force base or the Center for Bioinformatics at the University of Buffalo
  7. Traveled to Haiti worked to help that country recover from the devastation of the earthquake.
  8. Worked together to successfully overcome obstruction by House Republicans of the funding she requested to improve embassy security around the world.

As Secretary of State:

  1. Point person in Copenhagen in compelling the Chinese to commit to cutting carbon emissions.
  2. Multilateral trade talks
  3. Instrumental in building an international coalition around the toughest regime of sanctions against Iran in history.
  4. Her role in killing Osama bin Laden
  5. Management of the State Department during which time we saw a 50 percent increase in exports to China
  6. Landmark normalization of relations with Cuba, nearly every foreign policy victory of President Obama’s second term has Secretary Clinton’s fingerprints on it.
  7. UN resolution supporting military intervention in Libya
  8. Renewing diplomatic ties with Myanmar
  9. START Treaty, a landmark revision of our nuclear arms agreement with Russia. It received bipartisan support in Congress and represents a critical leg in our national security and a safer world.
  10. The Iran nuclear deal

I invite you to review and weigh the importance of her individual accomplishments on the scale of presidential qualifications.

 

Obamacare – Expensive Eternity on Hold

Wouldn’t it be great to have unlimited hours and days to manage your family’s medical insurance?  Apparently, that is what is required under the new medical insurance regime.

Straight story:  My wife is a home health care nurse.  Her employer is a giant in the home health care business.  In addition to her paycheck, she had good health care insurance paid mostly by the company.

With the advent of the A.C.A aka Obamacare, employers were let off the hook for 2014 regarding penalties for not providing medical insurance.  At the same time, individuals were required to have it.  The home health giant dropped health insurance benefits, not for office staff or management, but ONLY for the nurses who delivered the care.

That led to the pursuit of an individual policy for my wife paid with after-tax dollars of $605 per month.  To the uninformed, this means having to earn $800 per month, paying $195 dollars in Social Security, Medicare, and income taxes, to net $605 to pay the premiums. (Question:  who got the $195 that she did not have to pay beforehand?)

Then we discover that her doctors are not included on the “in network” list or are not accepting her new coverage.  Several times we drove to the offices of doctors who were listed as providers on the company’s website, and discovered that they either dropped out of the “network,” or closed their doors.

In December she got notice that her premiums were increasing to $710 for 2016 for the math challenged, this is a 17.4% increase.)  Another $140 per month of earnings less $35 in taxes.  So we were facing paying $940 of her pre-tax earnings each month ($11,280 per year) for insurance with $2,000 deductible and $7,000 annual out of pocket.

Fortunately, her new employer offered her better health insurance benefits as of 01/01/2016 at $360 per month for her share.  She now only has to earn 470 dollars per month, and pay $110 in taxes to cover this benefit.

But wait, there is more.  We both tried for nearly two weeks to cancel the old policy.  Nowhere on the health insurer’s website are information or links to cancel a policy.  We called the 800 number for customer service numerous times, only to be subjected to hour plus waits ending in mysterious hang ups.  When I finally reached the customer service number after 1 hour and 40 minutes of waiting, I was informed that I had to call the Marketplace to cancel the policy.

After another wait, I was told I had to give them 14 day’s advance notice to stop the January premium payment.  This would have meant $710 paid for January for double coverage.  When I asked who I could talk to, I was given an 800 number that was answered by the health insurance company.

This is not apocrypha; this is first-hand experience.  Replicate this experience millions of times and you have the cost we are paying for the changes caused by Obamacare, not counting the coming tax filings by employers and employees, the IRS processing and enforcement.

 

Mental Health Parity – Who Will Make It So?

Sure, Obamacare was supposed to raise the level of care for mental health to the level of physical health.  Sure, President Obama declared a $500 million increase in federal spending for mental health issues.  And……..?   That equals $1.56 per capita.  The states are decreasing their spending on mental health faster than that every year.

Those who venerate Ronald Reagan’s presidency may not have noticed that, once he converted federal health care into block grants to the states, the spending and resources for mental health collapsed to a feeble level.  As the mental health facilities closed, the new prisons opened, and the homeless population mushroomed.  Some experts estimate that 29% of the homeless have severe mental illness.  Department of Justice studies show that 45-65% of local, state, and federal prisoners have severe mental illness; about 1/3 receive treatment.  In other words, the justice system is in charge of mental health care in America.  A police officer is the most likely person to interact with the seriously disturbed citizen on our streets.  Then the most likely outcome would be to be incarcerated in a de facto asylum, or relegated to the streets.

I do not have the answers, but denial will not make things better.  Maybe it would better to convert our prisons into hospitals, and our prison guards into psychiatric nurses.  The last figure I heard was about $39,000 per inmate per year (about $107/day) for incarceration.  Then most of those released have not been treated for mental illnesses.  What do you think the chances are that they will have other episodes that might put them back in prison?

No one can guarantee that treatment would reduce recidivism; no statistics exist to test that theory.  All I know is that people I know do very well, when they take their meds.

So, here is the question every candidate for federal office: “It seems that all the candidates agree that mental illness has played a prominent role in the mass shootings around the US.  How well do you think the federal and state governments are managing mental healthcare in prisons, among the homeless, and the public?  What do you think they should do to really meet the needs?”

 

President Obama OK’s Health Insurance Discrimination

Did your company drop your health insurance?  Wait until you find out the rest of the story.

Investigators in the Department of Labor were shocked to find that President Obama gave employers a year to pick and choose who gets health insurance.

That’s right; the seemingly innocuous exemption of employers from the Affordable Care Act has given businesses with thousands of employees “Carte Blanc” to ignore decades of legislative efforts to protect employees from benefit discrimination.

For the year 2014 employers may provide health insurance to top management and deny health insurance to the rank and file.

Yes, last week officials at the Department of Labor confirmed that President Obama gave the green light to big businesses; they can drop health insurance for any employees they choose not to cover.

The Department of Labor reported that a business, employing thousands of workers, is within the law to keep health insurance benefits for management and cancel coverage for the rest of the employees.

The one-year exemption from the “Affordable Care Act” lets businesses cut anyone they want from their group health insurance benefits.

Department of Labor enforcement agents were embarrassed to admit that they were powerless to stop businesses, with thousands of employees, from dropping health insurance for most of their employees while keeping coverage for selected management and administrative staff.

After pursuing several complaints, a DOL investigator declared, “The whole department was shocked and dismayed to find that this exemption allows employers to undo decades of anti-discrimination efforts.”

If you are one of the myriad employees who are left with no health insurance, look again at the government and laws you counted on to protect your rights.  Nothing you were promised is true.