ObamaCare – Punishing Success and Responsibility
As he tries to back-peddle from having the man behind the curtain revealed, it is important to point out a few little ways the Affordable Care Act re-enforces his proclamation that success is to be punished.
Time and time again the ObamaTax on people who choose not to purchase health insurance has been referred to as the “freeloader” tax. It is to be imposed on folks who are young and healthy, can afford to buy health insurance but choose not to.
This is actually MORE insulting than the “you didn’t build that” speech. Many people who are young, healthy and CAN afford to buy health insurance, but choose not to, actually pay their doctor bills when they get them. If the bill is expensive, they arrange terms and abide by them. These responsible people are the ones who will feel the worst sting of the ObamaCare Tax.
According to the Association of Credit and Collection Professionals (ACA) in 2010 29% of the adult population (19-64) had medical debt, but only 16% had been contacted by a collection agency. That indicates that 13% were paying their bills on-time. Those people will soon have the pleasure of paying a penalty tax, for which they receive neither reward nor benefit simply because they have been responsible free market citizens.
So if you CAN afford health insurance but exercise your freedom to choose not to buy it, even though you DO pay your medical bills (incidentally you pay more for the same service than an insurance company does), you are now a freeloader and are penalized for being responsible!
Yet another provision in the onerous law, of which this author has heard no one speak, allows your employer to charge you more for the same insurance than another worker who makes less money than you do. So as a reward for loyal longtime service you get to pay more money for the same insurance than does a new hire. In case you are skeptical, here is the language, straight from the bill.
‘‘SEC. 2716. PROHIBITION OF DISCRIMINATION BASED ON SALARY.
‘‘(a) IN GENERAL.—The plan sponsor of a group health plan
(other than a self-insured plan) may not establish rules relating to the health insurance coverage eligibility (including continued eligibility) of any full-time employee under the terms of the plan that are based on the total hourly or annual salary of the employee or otherwise establish eligibility rules that have the effect of discriminating in favor of higher wage employees.
‘‘(b) LIMITATION.—Subsection (a) shall not be construed to prohibit a plan sponsor from establishing contribution requirements for enrollment in the plan or coverage that provide for the payment by employees with lower hourly or annual compensation of a lower dollar or percentage contribution than the payment required of similarly situated employees with a higher hourly or annual compensation.
Notice you cannot discriminate in favor of a high-wage employee, but you CAN discriminate in favor of a low wage one.
Just two more ways the current administration has found to punish success and reward failure.