Commentary Magazine


No Mention of Rising Costs in O’s ACA Blitz

While the administration’s less-than-stellar performance in recent foreign crises have called into question President Obama’s stature as a commander in chief, there’s never been any doubt about his zeal to play salesman in chief with regard to his signature health-care law. The president has been ubiquitous throughout the media, seizing any chance to promote ObamaCare enrollment. From the offbeat Between Two Ferns satire show to sports shows to mainstream entertainment like the Ellen DeGeneres Show, the president has shown no reticence about flogging the health-care law.

The marketing strategy is clear. Though many of those who would truly benefit from signing up for ObamaCare are older, the presidential appearances are geared toward young demographics. On all of these shows the president has touted the need for young and healthy persons to get health insurance. The message is seemingly noncontroversial, even anodyne in nature. But there are some things that he is leaving out of the sales pitch. One is that the whole point of trying to attract young people to ObamaCare is because the assumption is that most of them won’t actually need it. Their premiums are intended to pay for the services that will be doled out to the elderly, the sick, and those with pre-existing conditions. The other and even more important point that will be missing from the president’s exhortations is that the already above average cost of the premiums for the misnamed Affordable Care Act will be skyrocketing later this year.

As The Hill reports:

Health industry officials say ObamaCare-related premiums will double in some parts of the country, countering claims recently made by the administration. The expected rate hikes will be announced in the coming months amid an intense election year, when control of the Senate is up for grabs. The sticker shock would likely bolster the GOP’s prospects in November and hamper ObamaCare insurance enrollment efforts in 2015.

The industry complaints come less than a week after Health and Human Services (HHS) Secretary Kathleen Sebelius sought to downplay concerns about rising premiums in the healthcare sector. She told lawmakers rates would increase in 2015 but grow more slowly than in the past. … Her comment baffled insurance officials, who said it runs counter to the industry’s consensus about next year. 

“It’s pretty shortsighted because I think everybody knows that the way the exchange has rolled out … is going to lead to higher costs,” said one senior insurance executive who requested anonymity. The insurance official, who hails from a populous swing state, said his company expects to triple its rates next year on the ObamaCare exchange. 

The prospect of rising premiums makes the attempt to sell ObamaCare to the young doubly duplicitous.

On the one hand, the president and his supporters are not telling their intended audience that what he is attempting to orchestrate is a massive generational wealth transfer from the young to the elderly. ObamaCare’s benefits for those who had not previously been able to get or afford insurance are real. But the young and the healthy are paying for it. They are currently being cajoled by the administration to sign up for their own good. Later, persuasion will turn to coercion, as fines will be imposed for those who don’t do as they are told.

But the prospect of huge price increases later this year turns the president’s pitch into a massive bait and switch con game. Once the “affordable” ObamaCare insurance is put into place, the fact that enrollment figures are millions below where they need to be in order to make the scheme viable will force prices up through the roof. Indeed, when one factors into the equation that hundreds of thousands of those who are now being counted as enrolled have not yet—and may never—pay their premiums means the costs may go even higher than insurance industry experts are predicting.

This is the sort of scam that would draw the attention of law enforcement officials or at least the Better Business Bureau were the hucksters for this plan not federal officials. But since the scammers in question are the president of the United States and his minions, they will not only get away with it, but will be given the kind of free publicity that no ordinary confidence men could dream of getting. It remains to journalists to spread the message to American youth that while it is never a bad idea to take precautions for unexpected circumstances, “buyer beware” is the best advice any potential ObamaCare customer can receive.

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