The ACA/PP Product Sold to Americans Was Another TAX

The American public bought a “product” based on how they were told to feel about it. Congress did not worry about the price or value.

How did carefully crafted PR techniques and slogans, with smoke-and-mirrors, help a band of legislators , elected to protect the freedom and individualism of their constituents , pass the largest comprehensive TAX BILL in late December of 2009?

Whitney Sayce, of Leading Authorities, interviewed former Harley Davidson Communication Director Ken Schmidt back in May 2014 on the topic of marketing and communication:

Schmidt believes that an emotional connection is the key differentiating factor between brand loyalists and transactional customers. The best stories are about people, experiences, and how those people and experiences make people feel – not products or services. Therefore, a brand’s goal should be to create a story that transforms a business from a product or service provider into a likeable, attractive, very human organization. Without “people-first” emotional connections and easily relatable, sound-bytable stories, companies easily become indistinguishable from each other, and buying decisions are made based on price and convenience.

Wikipedia details the process of promoting a health care plan by Democrats, during the 2008 contest between H.Clinton & B.Obama, as follows

Each candidate proposed a plan to cover the approximately 45 million Americans estimated to not have health insurance at some point each year.”

When did the crisis of no health care coverage become “at some point each year”? This means the figures were inflated and manipulated to include people who were soon to be eligible due to changes in work or employment status, students not yet enrolled, and those soon to be eligible for Medi-care etc.

Remember the mantra for a national health care plan was

  • always covered
  • keep your existing coverage
  • premiums will not increase”.

Thereby transforming the unknown and undefined product into something likeable and attractive. Now let’s look at an article in the November 2014 issue of NAHU, a trade publication for “Benefits Professionals”

While open enrollment technically runs through February 15, 2015, if consumers want to change their plan and have it start at the beginning of the year, they have to make a switch by December 15.

The Problem: Prior to ACA/PP most people followed an enrollment calendar based on their employer’s calendar. So enrollments were either mid- year or between October and Dec 15th. Now these approximately 45 million Americans are on the same 30 day schedule (2015 enrollment began Nov 15th).

If they take no action, they will automatically be reenrolled in their current or similar coverage if their current plan is no longer available, even if that plan will now cost substantially more.

The Problem: Policies will cost substantially more!!!! And there is no opt-out. But wait it gets better.

The U.S. Supreme Court began its new term on October 6 and the court will have its fair share of health reform challenges to choose from. Perhaps the issue most likely to be taken up by the Supremes this term is whether health insurance subsidies can go to ANY AMERICAN, despite what type of exchange coverage is available in their state.

The Problem: THE SCOTUS ruled it was a tax and now THE SCOTUS will soon determine (most likely because it is a tax) you cannot have a premium subsidy (aka tax rebate) from the state.

The American public bought a “product” based on how they were told to feel about it. Congress did not worry about the price, the value, and the details (aka we’ll read the bill later) when they rushed the legislation through right before the end of December 2009.

How do you fix it? We go back to the fundamental premise of the Constitution. Individualism. Government protects our freedoms they don’t GIVE us freedom. The Government cannot provide anything for the citizen unless they take a little (or more and more) from some or all. Taxes.

approximately 45 million Americans estimated to not have health insurance at some point each year

If this problem really does exist, then we as individuals need to roll up our sleeves and look at all angles for an appropriate solution with options for American’s to also step up and apply voluntary generosity. Instead, in 2009 we fell prey to a convoluted bail-out of the insurance industry with 100% mandatory enrollment. A tax.