With ‘Fatal Conceit,’ Speaker Paul Ryan Fails Insurance 101

It appears Speaker Paul Ryan (R-WI) is deeply disturbed that insurance premiums paid by healthy people help offset the insurance costs of people who are sick. But that is exactly how health insurance works. In fact, it’s how all insurance works. It’s called spreading the risk. In any insurance pot, there is a minority segment who are higher risk, and these higher risk individuals rightfully pay higher premiums. But in addition to those high-risk premiums, the low-risk majority chips-in to cover the greater cost outlay to insure the high-risk minority.

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Republicans Cannot ‘Solve’ Health Care In Good Faith

Fiscal conservatism defines nearly all Republicans, even if decades of failed economic promises say otherwise, but the modern Republican Party is also a collective of combative factions. There are extreme social conservatives who often vote based on social wedge issues like abortion. There are moderate social conservatives who tend to go along with many social conservative positions, but who are primarily fiscal hawks. And there are extreme fiscal hawks who lean libertarian, and in many cases reject some of the more offensive tenets of social conservatism.

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If You Like Your Health Plan, You Can Keep It, Unless It No Longer Exists, In Which Case…

If you like your health plan, you can keep it. That is a line often repeated by President Obama and his administration since passage of the Affordable Care Act in 2010. I think most people knew this was an oversimplification, and you can hardly blame politicians for keeping the word length to a minimum when the public has a greater attention span for Miley Cyrus than they do for more important issues like health care insurance. So yes, this line is not entirely accurate. Below I offer you a better (but still basic) explanation, but if Obama and other administration officials had chosen to explain all the nuance, nobody would have heard it, because they would have changed the channel, flipped over to a new website, or simply fallen asleep. But I trust you won’t do that, right?

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Obamacare Website Glitches Reflect Complex Market-Based System

I’m no fan of the Affordable Care Act. Maybe it was the best we could do in 2010 under the weight of Republican double-dealing and quackery, but the ACA is flawed because it tries to exist within the current health care insurance system. And well, the current system isn’t really a system at all. It’s a collection of disparate for-profit health care insurance companies. What the ACA gets right is the patient protections, but what it gets wrong is the method of insurance.

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Medicare Single-Payer vs. Affordable Care Act (Obamacare)

The overwrought and repugnant response to the Affordable Care Act (Obamacare) by Looney Tunes Tea Party “activists” and by many so-called mainstream Republicans, is patently absurd in a country that already has a nearly 50-year-old single-payer, government-run, health care insurance program called Medicare. And I purposely include “insurance” in the description of Medicare, because that’s exactly what it is. It is NOT socialized medicine. You still see your private doctor with Medicare. You can still go to a private hospital with Medicare.

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