US Healthcare – vs Health Insurance

An interesting query/comment was put before me today that sparked the need for a blog – Healthcare vs Health Insurance – as a mandate. How could a basic coverage plan work and still be fair?  

  1. Basic coverage would exclude prescriptions, cosmetic procedures, dental, vision, and ambulance services. Long term care would also not be covered.
  2. Individuals making less than a specified amount, lets say $50,000 per year, would pay into the system a percentage of their gross income. All others would pay a progressive flat fee with a cap. Tiers for family’s would be progressive up to a maximum of two children per couple. All couple’s with more than two children would pay a flat fee for each successive child.
  3. Insurance company’s would no longer be the middleman unless someone wanted supplemental insurance coverage through an independent private insurance company.
  4. In order to access coverage an insurance card would be issued to each individual including children, with a picture updated annually.
  5. Medicaid and all forms within that conversation would be eliminated.
  6. Servicemen would be covered with the military picking up the cost 100% for any member earning below a threshold – say $50,000.
  7. The VA would be eliminated.
  8. Congress would NOT vote on the proposal, instead a vote would be made by all legal taxpayers, their status verified via a comparable analysis of Social Security numbers within the IRS computer system.
  9. In order to make this work over the long haul, the entire government pension system would be – eliminated. This would be voted on by taxpayers, not Congress.
  10. The government would fix the value of services.
  11. The cost of prescription drugs would be tied to a global mean amount so that US citizens are no longer subsidizing the world’s cost.
  12. Medicare would remain intact.

Currently, the federal government spends $1.1 trillion for healthcare, $583 billion for Medicare over receipts, and $430 billion for all other healthcare. Individuals cough up an additional $2.4 trillion per year. Of course this includes the average annual expenditure of Hollywoodites requiring $500k of plastic surgery per year, so the number has some skew room.

It is estimated that the US spends about $12,000 per year for each person on healthcare. That is double the next developed countries output.   That would indicate that the US spending could be cut in half from $3.5 trillion to $1.75 trillion which includes ‘Hollywood excesses’.

However, simple averages in healthcare spending do not necessarily reflect true cost:

According to Kaiser, “In 2016, 5% of the population accounted for half of all health spending. The 5% of people who spend the most on health care spend an average of around $50,000 annually; people in the top 1% have average spending of over $109,750. At the other end of the spectrum, the 50% of the population with the lowest spending accounted for only 3% of all total health spending; the average spending for this group was $276.”

Even when comparing spending for people over the age of 65, 10% of that population accounted for 50% of the spending. People with a prior diagnosis of a disease spend upwards of 300% more than those currently diagnosed. And spending costs for those over the age of 65 is 2-3 times greater than those aged 35-45.

Between 2010 and 2016, Health insurers saw an increase in revenue from Medicare and Medicaid surging from $92.5 to $213 billion – an increase of 77% with the advent of Obamacare.   That income is mostly generated by taxing taxpayers to pay for the splurging costs incurred by those who have no wage, illegals, and/or welfare recipients.

As of 2017, the top six executives at United Healthcare raked in $1.75 billion in compensation.

In 2017, the US national gross income was roughly $19.6 trillion. From a simplistic standpoint, even an 8% tax levy on all gross income would pay for the entire healthcare costs assuming the above reductions in cost put the total annual cost on par with developed countries. If Trump’s tax overhaul were to bring back to the US income that is currently untaxable in foreign off-shore accounts, the flat percentage would be even lower.

How did Health Insurance even arrive in the US?

The brainchild result of FDR’s policies, insurance was invoked because FDR levied price and wage controls that stagnated capitalism in the employment industry.   In order to provide a benefit that another employer did not, so as to encourage a higher tiered worker, companies opened Pandora’s Box for the Insurance scheme.

Founded in 1929, Blue Cross and Blue Shield was the brainchild of Democrat Justin Ford Kimball.   As VP of health care facilities in Dallas Texas, the recipients were teachers who were guaranteed 21 days of hospital care per year for $6.   The tax exempt status of Blue Cross helped achieve increased costs.   At the time, it is estimated that the above average wage earner spent roughly 2%-3% of their income on healthcare.   Most people utilized friends, neighbors, midwives, Indian medicine, herbal cures, etc…

Eliminating the Middleman is key to lowering healthcare costs.   Obamacare did the opposite, it made more money for the Insurance Industry while enslaving the worker and businesses to an ever burgeoning cost that is now double any other industrialized country in the world.

Double. Let that sink in.

Simply rolling back Obamacare will NOT have the reduced cost effect that is necessary to bring the healthcare of the US to par.   And while this is not Medicare for all, or Universal coverage, it is an elimination of a middleman that has profited serendipitously at the expense of you and I.

My annual percentage is now over 20% of gross income.

Climate Refugee’s – The New Agenda

Germany’s Socialist Deutsche Welle news outlet has found a way to combine the plight of immigration with the plight of Climate Change – “Climate Refugee’s”.   Citing Central America as being in the midst of a unprecedented drought, DW uses this to vilify Trump as he supports building a Wall thereby exacerbating the immigration plight of the Climate Refugees.

The Central America Dry Corridor has existed for hundreds of years. Not unlike California, it is vulnerable to the climate implications of El Nino and la Nina. These forces produce years of flooding and years of drought. Like California, the countries most vulnerable have done absolutely nothing to mitigate these weather troughs and thus agriculture is severely impacted.   It is estimated that upwards of a million people are affected by the instability of this corridor.

In 2015, the UN signed massive agreements on behalf of Central America to support ‘resilience’ as a result of the negative climate impacts. “Sustainable Goals” were launched under the Paris Accord. And by 2016 a Commission was created and an ‘agenda’ was developed.   By the end of 2016, the UN had held high level meetings and a proposal was put forth to spend $80 million to mitigate the climate effects.

By the end of 2017 another committee was created which formally announced that an agenda did exist and that indeed the Dry Corridor was vulnerable…

Still, nothing was actually done.

Today, the World Bank has created a five year program in Honduras that will ‘build resilience for 6,000 people who are extremely poor’.   The program aims to teach these people ‘food security, irrigation, fertilization and healthy diets’ thereby increasing their income and lifting them out of poverty.

Houston – we have a problem…  THREE years of doing nothing is exactly why the Paris Accord is a catastrophe.

Radical climate fluctuations resulting from traditional events such as El Nino create radical climate events, ie flooding and drought. To mitigate and preserve agriculture would entail capturing the water in reservoirs during periods of flooding, and having those reserves piped to agriculture land in periods of drought.   No amount of healthy diet training and fertilization is going to help when the land is ravaged by water or desert.

A program to lift .6% of the population that has been designated as extremely poor into agriculture sustainability through healthy diet training over a period of five years – is NOT a solution in any sense of the word.

The US gives Honduras roughly $70 million in aid each year for the purpose of Humanitarian and Development assistance and Military assistance.   Of the total aid, 11% is designated for military assistance, and 89% for Economic development.  This would be taxpayer $$$$.

In the EU, five countries stand out as pledging the most to the ODA, Official Development Assistance organization, which is tasked with promoting economic development in developing countries.   Sweden, Norway, Luxembourg, Denmark and The Netherlands lead the EU in dedicating money to assist developing economies become more gender equal.   Apparently, Women Empowerment is thought to be critical to agriculture sustainability development. The remaining 10 countries that pledged money – apparently never actually coughed it all up including two noteworthy countries: Germany and France.

While no one argues against gender equality, the fact that Economic Development is now defined as gender equality for the purposes of economic aid – is perhaps why these countries remain economically undeveloped.   It explains why their agriculture is devastated year after year, it explains why their countries remain poor, and why aid does absolutely nothing to lift them out of poverty. They are not building reservoirs, dams, irrigation systems, pipelines, etc… to capture and preserve water, instead they are being told what constitutes a healthy diet, and given classes in gender equality training.

So despite the fact that infinite amounts of millions have been given to these countries within the Dry Corridor, nothing has been done to alleviate the problem by these dedicated numerous charities in association with the UN.  And instead, the UN and the EU defacto Germany have decried that the Border Wall, aka Trump, is to blame for all the ails that have persisted for decades.

In essence the EU and UN are simply looking for a way to align Climate Change money with Women Empowerment by teaching what constitutes a healthy diet to countries that have no food, and sell them fertilizers in the process.   Ah.

Personally I find this to be fake news, propaganda, disinformation, and hate speech toward our President.   All of which are punishable offenses requiring fines, censorship, and jail time according to German Law.

Socialism: The US Military – Lesson 101

The ‘darling’ Socialists are quick to bring to light the US government agencies that they deem to be ‘socialist’ in order to defend Socialism as a defacto solution to all that ails the US.   “The Military is Socialist”.   Really?  

It would appear that few are learned in the definition of Socialism:

“The stage in Marxist-Leninist theory intermediate between capitalism and communism, in which collective ownership of the economy under the dictatorship of the proletariat has not yet been successfully achieved.”

If you don’t like that one, here are three more:

  1. any of various economic and political theories advocating collective or governmental ownership and administration of the means of production and distribution of goods.
  2. a system of society or group living in which there is no private property
  3. a system or condition of society in which the means of production are owned and controlled by the state

The common denominator of these definitions?  Goods. Property.   Production.   Ownership.

The Military does not provide goods.  Does not designate property.  Does not produce goods.  The Military is a volunteer organization in which they members agree to perform services for a wage.  Within that ‘voluntary service’ they are provided certain benefits to add to their wage base.   And if they do not perform according to the designated rules they may be fired.  Granted, the Military is required to have guns and jets and bombs as an adjunct product of their service.   But it is a product of their service – not a luxury.   Cars, houses, clothes, food, toys, etc.. are luxuries produced on our behalf.  Those are the ‘goods’ referred to in the definition of Socialism.  That is the basis of ‘economy’.

In a Socialist ‘economy’ those luxuries disappear.   Shortages become the norm.   In the 1980’s when Poland was governed into Socialism, the waiting period to buy a car was 7 years.  But you were required to advance that cost and wait.  The waiting period to lease an apartment was 5-7 years, but you were required to advance the rent.   Supermarket shelves were empty save for endless bottles of ‘vinegar’.

In Venezuela, they no longer have drinking water.

That – is – Socialism.

The fact that ‘taxpayers’ are charged for that Military wage is a benefit to taxpayers and has existed since the beginning of militaries.   When the Socialists within the US, Gabbard, O’Casio, Sanders, Beto, Warren, etc… reference their embrace of Socialism, they refer to a different definition and are simply attempting to muddle the truth.  Yes the government operates .  It exists.  It is funded by taxpayers for the express purpose of performing duties and overseeing various organizations including the military, including our public school system, our public universities, our police and fire department.

And it is supposed to be – free from bias, free from prejudice, free from propaganda.   As a taxpayer funded enterprise.

Capitalism:  “Capitalism is an economic system based upon private ownership of the means of production and their operation for profit. Characteristics central to capitalism include private property, capital accumulation, wage labor, voluntary exchange, a price system, and competitive markets.”

The basic – the largess discrepancy between the definition ‘acquired’ by the Socialists in defending their rule is ‘economy’.

Which makes their entire defensive platform a house of cards.

They do not even understand the most basic conceptual definition of the platform they espouse. And that makes them ‘uneducated’.

The fact that the pure definitions have to be even be discussed is further evidence that the Socialist education system adopted in the US and the EU has collapsed into a dummied version of apocalyptic proportions in which history, and current events, are corrupted. The burning of books, the burning of knowledge.

The fact that these individuals would support that FIRE, is even more heinous, for it reveals the soul beneath.

It is wearying trying to educate the minds of those who have chosen to bury their heads in the sand.   It is wearying to try and regurgitate what history has already taught.  It is wearying to listen to people who have never experienced the devastations refuse to listen to those who have…

Russia Sanctions – Meaningless Propaganda.

Germany is defending the need for NATO in order to defend the EU democracies against a Russian invasion. Although Russia has given no intelligencia impression of any desire to attack the EU, the narrative serves a purpose.

Germany and her counterparts do not want to foot the defense bill, and given NATO and the UN have been subsidized by the US for decades, it serves a financial purpose rather than a defense purpose.

In that vein, Germany is also defying the Russian sanctions to punish the evil Putin by opening up a Mercedes car plant near Moscow.   The hypocrisy couldn’t be more abject.   Praising the German-Russian partnership, Germany’s Federal Minister for Economic Affairs and Energy, Peter Altmaier said that he saw great potential for future cooperation with Russia despite “political differences.”

Despite Merkel attempting to justify the trade move, the fact remains, it is all about money. Trade between Russia and Germany amounts to roughly 62billion Euro annually.  The farce of sanctions is thus defined.  It is a political move to create the appearance of doing something to appease constituents who have been led to believe a demonizing fake media agenda.

Cuba.  No different.  Despite levying sanctions for decades to oppose the communist regime, tourism continues to be a source of – money.   Canada is the largest source of tourism revenue, US is second and Germany is third.  Italy, France, Spain, the UK and even Russia enjoy the pristine beaches.  But a large sector of the tourism is actually health related given that the government shifted a tremendous amount of funds to that sector following the sanctions.   While doctors make less than waiters, their education and drive to cure rather than medicate is a sought after industry.

Germany sought to side-step the Iran sanctions in order to create a trade bolster to their economy.  And now Venezuela is finding itself in the middle of a power struggle from outside countries as the frenzy to capitalize on a collapsed economy provides huge potential to make money.

Syria is a case in point. Create a fake war.  Destroy an entire country.  And then vie for the contracts to rebuild, create a new economy, and walk away with a flush wallet.   If a country’s government is not willing to board that plane, the country stands to become the next victim.

Citizens will protest, citizens will cry foul, but in the end, that foul is what supports their continued luxuries and necessities.

Until a new mental acumen can devise a way to deviate from this system that has been in play since the beginning of time, we will be subject to its consequences.  Until this layer of global Swampland can be eradicated, they will continue to reap the rewards their inherent greed demands.  The mindset is always – no matter what a person has, it is never enough.   A millionaire wants to be a billionaire, and a billionaire wants to rule the world because billions will buy such.  Greed, boredom, and a bizarre belief that the pawns within this world are there to protect and die for the Queen, remains the monarchial mentality that was and is and is to be.

Until – we say – no.

Merkel is simply looking for a means to prop up a cracking economy in order to give the appearance she is Germany when in fact she is the same Merkel that destroyed Germany.   In her last and final days before resigning, her legacy is at stake, her honor must be upheld, and respect must be reattained.   By any means.

Germany has historically been the instigator of our worst global wars – always within the guise of propping up a cracked economy.

TRUMP -Divide and Conquer

Hypocrisy.

We hear it daily. Sometimes from the media, sometimes from our work, sometimes from our friends and family. It makes it no less cringing who or where it comes from. One of the more popularized comes on the heels of a statement made by Trump regarding his stance of future immigration of Muslims into the US.

Netanyahu responded to Trump’s statement with the most ridiculous, hypocritical statement of all; “Israel respects all religions.” He said this to raise his own ethical commitment while denouncing Trump’s, and shooting a few Palestinians.  Maybe the key in this absurd statement is ‘respect’. What does it mean to respect someone? According to Webster it is – ‘deep admiration and high esteem…honor, high regard, reverence.’ I fail to hear anything remotely likening to reverence in Netanyahu’s vision of Muslims.

Trump made the inflammatory, not-politically-correct statement that if elected he would close the US borders to entry/immigration by Muslims – for a while – until the threat of ISIS could be truly eradicated – as opposed to Obama’s historically infamous, ‘they are contained’.   And surprise a firestorm erupted and the media went wild with more publicity!

Netanyahu take note:  Israel is divided culturally as follows; 75% Jewish, 18% Muslim and 4% Christian – the balance is ‘other’. Of the 75% Jewish, 67% say they are non-religious, secular or atheist. The northern region of Israel has the highest concentration of Arabs, and assimilation is filled with tension and conflict. It is hardly a bedrock of ‘respect’. I think it would be prudent for Netanyahu to remain disassociated. In his attempt to use the comparison of Jewish people being disqualified from admittance is not only hypocritical it is eerily pathological.

Israel vehemently decries fear of Iran despite the fact that Iran has never instigated war. Israel is taking in exactly zero, as in -0-, Syrian refugees. Why?  Because they are potentially terrorist.   Hmmm.

Is Trump’s suggestion even legal?

The rhetoric is that his suggestion is unconstitutional and inflammatory and inciting hate. First, and most importantly, the Constitution applies to US citizens. “We the people of the United States…” It does not apply to peoples from other countries. Constitutional rights are a benefit granted citizens of the US. Anyone who is not a citizen is not abridged of these rights because they have yet to apply.

“Insure domestic tranquility” – meaning we are guaranteed a peaceful and harmonious existence through the protection of our police force.

“Provide for the common defense” – meaning that if a threat is perceived, we have the right to act accordingly to protect ourselves and our nation from a hostile takeover.

When politicians don’t even know the verbiage or language of the Constitution that they are called to uphold, when they have no knowledge of it’s purpose, its mission, and its authority, they, not Trump should be called to the plate. Whether you are for or against Trump, make sure you do not add to the mistakes of mis-speech!

That being said:

Trump has again threatened to convert his stance to that of Independent. Why?  What would this accomplish?

By aligning with the Republican Party, (Trump was a Democrat just a few years ago), he created a following. Converting mid-stream to Independent and taking that following away from the Republican Party creates a wider division and the opportunity for the Democrats to garner a higher percentage of the votes.   In other words, the Democrats would take a win by default as opposed to actual election by a majority of the citizens.  Hillary could be elected despite her corruption, fraud and illegalities.  Or Sanders could be elected in a sweep of Communism disguised as Socialism.

This would be the Soros decoy tactic assuring a liberal win with a much smaller point margin. In 1968, Nixon barely beat out Humphrey after Independent candidate, Wallace took 13.5% of the votes. In 1980, John Anderson, a Republican, jumped ship to run as an Independent taking just 6.6% of the votes. Reagan won by a landslide against Carter whose record was abysmal. And in 1912, Teddy Roosevelt lost as a Republican and created a new party, The Progressive Party, giving the election to Democrat, Woodrow Wilson in a very contentious campaign of mudslinging.

The last time a third party candidate actually won was in 1860 when Abraham Lincoln, whose political affiliation also wavered from Whig to Republican to National Union, with a mere 39% of the votes. It is worth noting that the Republican Party in his era was actually what our Democrat Party is today.   The Whig Party merged into the Republican Party in 1856 due to their shared ideology of ‘liberalism’ and supremacy of Congress. In 1864 the Republicans created a new party, The War Democrats, and Whig Republicans countered with their new name, National Unionists.  Lincoln was actually not terribly popular, but won based on a dispersion of the votes.

The most noteworthy effect a third party candidacy has historically created is division. Dividing the vote so as to allow the party that is strongest to become weakened.

Trump? Is that the Soros agenda?

“Sometimes I wonder if the world is being run by smart people who are putting us on, or by imbeciles who really mean it.” ~ Mark Twain

 

The French Connection: Tolerance or Hypocrisy

The French PM is meeting with the Saudis to secure the sale of one of the largest military weapons deals. This, despite the Saudis bombing Yemen. This, despite the Saudis beheading more citizens this year than any other,

At the same time, an activist group in France wants to ban all hunting on Sundays as this contributes to accidental deaths.

Is their more than a bit of hypocrisy here?

There is a Treaty, The Arms Trade Treaty, that forbids the sale of weapons that can be used to commit violation of international law. What? I would venture that most weapons are used in violation of the law of life. But when the law is invoked, it is with an agenda. And when it is not invoked, it is because of – an agenda.

Because it has nothing to do with human rights, or international law, or murder, it has to do with money, $2.7 billion Euro’s to be exact. How many citizens have been killed in Yemen? $2.7 billion Euro’s more than -0-.  The ‘estimates’ as usual vary widely from about 2500 to over 5000 civilians. The number displaced is now 1.5 million. The number wounded tens of thousands.

Where is the activist group?  Why is this – tolerated?

France has sold the mistral warships originally destined for Russia – to Egypt. And this is okay? Egypt which accidentally killed 9 Mexican tourists. Egypt where British tourists have been warned not to visit for fear of terrorist attacks. Egypt where Sinai bomb blasts kill Americans. Egypt who violated ‘international law’ when bulldozing homes along the Sinai border with Gaza. Egypt who jails reporters from international borders. Egypt condemned over human rights issues.  HELLO?

It is okay for France to sell warships to this country…it is okay to sell more weapons to the human rights violators of Saudi Arabia… why?

Because as French media pundits state:  “France welcomes the cash.”   Yum, a fine wine or desert, – CASH.  But what about Russia’s ‘cash’?  Is not all cash equal?

Where does the EU get it’s oil? Three dominant countries; Russia, Azerbaijan and Kazakhstan.

Saudi Arabia, Iran and Iraq account for 14% combined. So why bite the hand that feeds you and give handouts to the hand that smites your neck?

Egypt controls the Suez Canal. Over 4% of the world’s supply of oil and 8-12% of it’s trade must travel through the Suez. If that route were cut off, the cost of all goods would potentially skyrocket as transportation, time, and tumult would factor into the end value. It isn’t just oil, it’s Natural Gas. Some of the European countries rely on imports through Egypt up to 80% of their total tally. France and the US rely on about 25% of their gas imports coming through the Suez. That is not a small number. Upset that apple cart, and things begin to spiral.

So France is schmoozing for it’s imports and willing to sell their soul in the process. But that still doesn’t explain why activists are silent. Why are activists so concerned with a few hunting accidents and absolutely mute when it comes to the murder and violent deaths perpetrated across Yemen and Syria? Where is the ‘CRY FOUL’?

Lest we forget why the EU and US want Syria so badly devoid of Assad, it is because that’s what the Saudis want. And in order to give the Saudis ultimate control over all the Middle East, their enemies, the Shi’a, must be destroyed. That’s the agenda in a nutshell.

We support the Saudis to continue their oil deliveries and inr eturn support their agenda for full control of the Middle East.  We support Egypt despite their terrorist agenda because the Suez canal has the power to tip the balance of trade and create economic chaos.

It’s not about ‘we hate the west’, it’s internal, the west is a diversion. Power grabs. The Saudis set their sights on the entire Middle East and the west agreed to help provide that power in return for $$$$, lots of dollars. But it’s not just oil anymore, the Saudis have bought up a chunk of real estate as well. They pull their $$$$, they simply forfeit or renege on their holdings, they don’t care, it’s a game of chess, and we have lost our queen. Pawns are attempting to protect our king, but they too will fall as the juggling becomes more and more precipitous, and our power kegs in the US too stupid to see the leaning tower is not leaning, it’s falling.

The hypocrisy is so starkly shameful, not simply for the political games, but for the activists who seem to blindly follow without thinking of the bigger picture, faithfully banning this and that out of idle yawns for some ideal that doesn’t exist.

When the government talks of a global society, intertwined, this is the tangled web, it is not some pristine honor, or regal respect, or human rights, or humanity, it is the power and lust and greed of a few that now controls the masses.

Like sheep. We are led by the herdsman. We don’t know his call. We follow blind, deaf and dumb. Without respect. Without integrity. In search of some minutia sense of happiness that seems so ever elusive.