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The Unaffiliated Party Preliminary ACA / ObamaCare Solution

With the “implementation” of the Affordable Care Act only a few days away one thing is clear. The ACA is not ready for showtime and ignoring that reality is not the answer to our very real health care problems. You’ve got people and organizations upset on both sides of the spectrum, especially within the economy, from workers and labor unions to small business owners and corporations. I’ll keep my simple proposal short. The main problem with ObamaCare is that it is just too large of a program for the federal government to impose on a nation of 50 states and more than 300 million people. People often point to the health care systems of Canada or Sweden with envy yet fail to realize that their populations are only a fraction of ours. Canada’s population is about 1/10th the size, 34 million, and Sweden comes in at around 1/30th, 9.5 million.

The solution. I suggest the people of every state put the President’s ACA to a vote. Those states who want it can have it and those who don’t won’t. Whether this vote comes immediately or after further ACA delays is not the issue, the principal here is to allow Americans to decide what happens with their health care options. Something this impact cannot come down to a one size fits all solution. What the 38 million people of California think is right for them might not be what the 576,000 people of Wyoming think is right for them. The People and the States have a right to decide what they feel is best for them. For those within a state who are unhappy with the final voting results I do propose a solution near the end of this post. Some of the actions available are to either put up with it, organize to change things or move to a state with the desired system if necessary. After all, America was founded on the idea that “I can do better someplace else”.

Competition, it’s the only way I know of to keep prices down and improve quality. Look at electronics, year after year its one of the few sectors where consumers prices consistently decrease which increases accessibility. By transforming the public / private health care issue into a state matter, not a national one, Americans will finally have a way to see past the rhetoric and see for themselves which ideas really are better for them. The health care costs of states that decide to go with the ACA or some revised version of it will be directly comparable to the costs of states that decide to let private options take their course.

Both sides of the public & private health care market will have to put up or shut up. The two competing systems will have an incentive to become efficient, valuable, and most importantly, sustainable, in order to convince America that it offers the BEST real world solutions for them. Currently, that incentive is missing. As time goes by Americans will see what really works and what is merely ideological hype.

A final part of the Unaffiliated Party Solution is to once again allow Americans on a state by state basis, to vote on renewing or replacing their health care market solution into the future if necessary, perhaps every 4 years. This renewed performance review will continually weed out any issues that become apparent as the years go by.

The last thing we need is for a federal government to implement another “too big to fail solution” whose failures are masked over with taxpayer money and whose implications and problems are passed on to the next generation with no way to do anything about it. I can go on and on regarding further specifics on this topic and others, but for now, this is my solution to the current debate our country is facing. Take it as simply “putting my two cents in” as they say. Feel free to comment & SHARE this post to show America that there are real solutions to be had by simply putting politics and partisanship aside. Think For Yourself.

– Mr Blacksheep @

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  1. “…Obama has made it clear he won’t allow his cherished health care law to be erased. Yet periodically, he signs relatively minor adjustments into law that Republicans seize on as evidence that the law is unsustainable. Over the summer, he made a major change unilaterally to put off the requirement for businesses to provide coverage to their employees.

    More recently, in a blow to organized labor, the administration announced that lower-income union workers enrolled in multi-employer plans were ineligible for the same subsidies that millions of other employees are in line for under the law. Organized labor’s support was critical for the White House when Congress was considering the legislation, but the AFL-CIO passed a resolution at its recent convention calling the impact of the law “highly disruptive” to union health care plans.”

    – Associated Press 09/17/13 @

  2. WASHINGTON (Reuters) 08/07/13 – Congress has partially wriggled free from the “Obamacare” health reforms that it passed and subjected itself to three years ago. In a ruling issued on Wednesday, U.S. lawmakers and their staffs will continue to receive a federal contribution toward the health insurance that they must purchased through soon-to-open exchanges created by President Barack Obama’s signature healthcare law.

    The decision by the Office of Personnel Management, with Obama’s blessing, will prevent the largely unintended loss of healthcare benefits for 535 members of the Senate and House of Representatives and thousands of Capitol Hill staff. When Congress passed the health reform law known as “Obamacare” in 2010, an amendment required that lawmakers and their staff members purchase health insurance through the online exchanges that the law created. They would lose generous coverage under the Federal Employees Health Benefits Program.

    The amendment’s author, Republican Senator Charles Grassley, argued that if Obamacare plans were good enough for the American public, they were good enough for Congress. Democrats, eager to pass the reforms, went along with it.

  3. (By Money Morning Staff Reports) Get ready to be blindsided by a barrage of new taxes. $1 trillion worth… They’ll be coming courtesy of the Affordable Care Act, otherwise known as Obamacare. And they won’t just be affecting those who make over $250,000. The bulk of these taxes will be passed on directly to the middle class. That’s because while a majority of these “stealth taxes” were designed to be taxes on businesses, they’re actually transferred directly to ordinary citizens. LINK to the Rest

  4. (The Washington Post) 09/18/13 – Walgreens said on Wednesday that it is moving 160,000 workers to a new health-insurance model, joining a growing list of large employers seeking to control costs by having employees shop for coverage in a private marketplace. The drugstore chain said that beginning in 2014, it will give employees a set amount of money to choose health insurance coverage from a wide range of offerings in a fast-expanding private online marketplace run by Aon Hewitt, a benefits firm. LINK to the Rest

  5. (Reuters) 09/19/13 – The world’s largest home improvement retail chain announced its move shortly after a similar announcement from Trader Joe’s Co, a popular privately held grocery chain. Home Depot’s change would affect roughly 20,000 part-time workers who previously had chosen the limited liability medical plan the company offered, spokesman Stephen Holmes said. After December 31, companies can no longer offer those plans under the health law, also known as Obamacare. LINK

  6. (Los Angeles Times) 09/14/13 – The doctor can’t see you now. Consumers may hear that a lot more often after getting health insurance under President Obama’s Affordable Care Act. To hold down premiums, major insurers in California have sharply limited the number of doctors and hospitals available to patients in the state’s new health insurance market opening Oct. 1. New data reveal the extent of those cuts in California, a crucial test bed for the federal healthcare law. These diminished medical networks are fueling growing concerns that many patients will still struggle to get care despite the nation’s biggest healthcare expansion in half a century. Consumers could see long wait times, a scarcity of specialists and loss of a longtime doctor. *LINK*

  7. (Reuters) 09/18/13 – The world-renowned Cleveland Clinic said on Wednesday it would cut jobs and slash five to six percent of its $6 billion annual budget to prepare for President Barack Obama’s health reforms. The clinic, which has treated celebrities and world leaders such as musician Lou Reed, former Italian Prime Minister Silvio Berlusconi and former Olympic gold medal skater Scott Hamilton, did not say how many of its 44,000 employees would be laid off. But a spokeswoman said that $330 million would be cut from its annual budget. “Some of the initiatives include offering early retirement to 3,000 eligible employees, reducing operational costs, stricter review of filling vacant positions, and lastly workforce reductions,” said Eileen Sheil, Executive Director of Corporate Communications for the Cleveland Clinic Foundation. *LINK*

  8. (Wall St Cheat Sheet) 09/21/13 – Health care costs have indeed decreased in the past several years. After several years of moderate income growth and stagnant insurance coverage, actuaries at the Centers for Medicare & Medicaid Services, or CMS, estimated that private health insurance spending growth held constant at 3.8 percent in both 2011 and 2012, growth equivalent to half of pre-recession levels. In 2013, growth is also projected to come in at 3.8 percent. But there is no sign that the Affordable Care Act was responsible for drop in health care-related costs. Rather, the economic recession has been cited as the culprit, which seems reasonable given that costs are expected to jump 6.1 percent in 2014, the year the law’s individual insurance mandate is implemented. A report published in the journal Health Affairs, CMS actuaries provided evidence that the slowdown in spending is not related to Obamacare. “It certainly adds one more piece to the puzzle for those who say ’hey wait a second, this isn’t the final word on how to reform American health care,’” American Enterprise Institute policy analyst James Capretta, who worked in the administration of former President George W. Bush, said in an interview with Bloomberg. *LINK*

  9. (The Exchange) 09/20/13 – Some will pay more. Without a doubt, there will be some people who end up paying more for insurance as their employers offer less. Mostly, they will be higher-income workers who lose employer-provided coverage and have to buy it through Obamacare. Subsidies are phased out at 400% of the poverty line, which this year is $45,960 for an individual and $94,200 for a family of 4. Above that, people have to pay the full cost of coverage. *LINK* “basically, national wealth redistribution” – Mr Blacksheep

  10. (The Motley Fool) 09/22/13 – Dan notes that Obamacare didn’t give Home Depot the option to continue providing its limited-benefits health plans to part-time workers, and so rather than providing more extensive coverage itself, Home Depot will cover part of the cost for part-timers to join an Obamacare exchange. *LINK*

  11. (Forbes) 09/23/13 – It was one of candidate Obama’s most vivid and concrete campaign promises. Forget about high minded some might say high sounding but gauzy promises of hope and change. This candidate solemnly pledged on June 5, 2008: “In an Obama administration, we’ll lower premiums by up to $2,500 for a typical family per year….. We’ll do it by the end of my first term as President of the United States.” Unfortunately, the experts working for Medicare’s actuary have yet again[1] reported that in its first 10 years, Obamacare will boost health spending by “roughly $621 billion” above the amounts Americans would have spent without this misguided law. *LINK*


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