Monday, October 18, 2010

Boeing, Boeing, Gone?

Aircraft manufacturer Boeing announced Obamacare has caused them to cut benefits and increase premium contributions. While Obamacrap is not the only reason, it was given at least partial credit. According to the folks at ABC News:



Boeing said deductibles and copayments are going up significantly for some 90,000 nonunion workers.


The company cited three major reasons for the cost shift, including untamed health care inflation, the effects of the new law, and lifestyle issues including being overweight and lack of exercise.


Spokeswoman Karen Forte said Boeing is concerned that its relatively generous plan will get hit with a new tax under the law in 2018, but that the company would have made the changes anyway.



So much for "if you like the plan you have you can keep it."


Not happening.

Constitution State Rate Spike

Once again, HHS Secretary Shecantbeserious has proven herself to be quite fangless in her efforts to cajole insurers into artificially suppressing rates:

"[Connecticut]'s largest insurer has been approved to raise health premium rates by 41 percent to 47 percent for some of its policies sold to individual buyers..."

The good news is that the bulk of Anthem's business in the state will experience only a "modest" 19% increase.

Oh frabjous day!

In utter disregard of the Federales, the carrier had the temerity to claim that the "reason for the increases is the new federal health reform mandates." [emphasis added]

Oh wait, did I say "the carrier?"

I meant "the Connecticut Department of Insurance."

I wonder if Ms Shecantbeserious will now threaten them.

More from the "Real World" files

A very nice young lady called the other day, looking for individual health insurance. She's a student at a local university, on her own at the tender age of 18. Her mother has moved out of state, and for a number of reasons, Karen [ed: not her real name] can't be on mom's plan. She is eligible for the university's health plan, but is (understandably) not enthused. She'd really like to have a real plan.

But she can't.

No, she's not ill, nor is she pregnant. But she is 18, and therefore ineligible for an individual medical plan. She's one of the (unintended?) victims of ObamaCare©, which has essentially destroyed the individual market for young adults.

Too bad we had to pass it to see how Karen would be hurt by it.

Ch-Ch-Changes, ObamaCare© style

As we move further out from September 23rd, the state of the individual health insurance market continues to crystallize. Here's what we know as of this morning (October 18, 2010).

Plans that have "grandfathered" status are subject to some (but not all) ObamaCare© provisions. Of course, it's likely that these plans will quickly lose this vaunted status as insureds make changes to keep their plans affordable. These changes comprise:

■ Expanded Dependent Coverage
■ No Lifetime Limits
■ New Patient Protections
■ New Limitations on Rescission

Newly-written plans, and those which have already lost their grandfathered status, "enjoy" these benefits:

■ Expanded Dependent Coverage
■ No Annual Dollar or Lifetime Limits
■ Expanded Preventive Care
■ No Pre-existing Condition Waiting Period for Children under 19
■ New Patient Protections
■ New Limitations on Rescission

Interestingly, some ostensibly grandfathered plans will also be subject to these provisions, as well; it's not at all clear what benefit their grandfathered status still confers on them.

In related news, Anthem (and perhaps some others) will be offering an "Open Enrollment" period during November. Only two "classes" of insureds are eligible:

Adult Dependents (from age 19 to age 28) who are not currently enrolled on a member's policy or who were previously canceled from a member's policy due to age, student or marital status are eligible for enrollment. The member's policy to which the adult dependent will be added must have an effective date prior to September 23, 2010 [ed: in other words, must be grandfathered].

A covered family member who previously reached his or her lifetime maximum can enroll for benefits on a member's existing policy during this special period.

We're still awaiting word on how much lower premiums will be due to these enhancements.

[Hat Tip: Anthem BCBS]

Friday, October 15, 2010

About that Individual Mandate (Video)

As we've long noted, the Individual Mandate is evil. The folks at Amendment63 show us why:



[Hat Tip: RWN]

Obamacare© and Your W-2: An Update

From reliable sources:

It appears that the requirement to report -- set to begin next year (2011) -- is voluntary only for that year. It's anticipated that the IRS will provide more guidance in the future, including clarity for 2012 W-2s. It's also anticipated that it will rain unicorns.

What this (probably) means:

■ If an employee leaves in, say, March 2011, the employer doesn't have to provide the info, but may still choose to do so.

■ When employers (or their payroll services) send out that mass of W-2s in January 2012 (for tax year 2011), this info will still be optional.

■ On the other hand, if an employee leaves in, say, April 2012, the employer does have to provide the info within a few weeks (unless, of course, the IRS pulls an Emily Litella).

■ When employers send out that mass of W-2s in January 2013 (for tax year 2012), this info is no longer optional, (unless - you guessed it - the IRS pulls another Emily L).

Hey, we're here to help clear things up.

Cavalcade of Risk #116: Call for Submissions

Julie Ferguson hosts next week's Cavalcade of Risk. Submissions are due this Monday (the 18th). Please remember to include:

■ Your blog's url
■ Your post's url
■ The post's trackback URL (if available)
■ A (brief) summary of the post

And PLEASE remember: ONLY posts that relate to risk (not personal finance tips and the like).

You can submit your post via Blog Carnival or email.

Thursday, October 14, 2010

In Memorium: Bye, Papa

[ed: This post is in loving memory of Robert (Bob) Keller, who passed away yesterday, 10/13/10]

I suspect that most readers will wince when I mention "The Brady Bunch;" the theme song is an almost tribal memory for most of us. In "real life," of course, blended families don't always (or frequently) actually "blend." Because of his indomitable spirit and bottomless heart, my step-dad, Bob Keller, managed that incredible feat.

My father passed away when I was 22; a few years later, Mom found her other true love when she met Bob. I remarked often that it must have been terribly convenient for her: both of her beloved husbands were Roberts. From the moment we met, Bob and I connected and when they wed a few months later, his family and ours had already begun to bond. I still fondly recall our family Chanukah parties, with the kids and the adults all happily chattering and feasting on latkes. Bob had a way of bringing all those who were close to him close to each other.

When our eldest was born, there was no "well, he's a step-grandfather;" he held her proudly and lovingly, as if to announce to the world "hey, look at this!" My daughters knew only love from him, and for him, as did my better half.

I adored him.

For many years, we would meet for lunch every week, often sharing wings at, well, the wing's place. Even more often, we shared our mutual love of rare hamburgers at a local pub (and by rare, I mean "walk it through the kitchen - quickly!" - rare). This was usually preceded by our monthly trip to Max's, where Ralph, our balding barber, would neatly trim us up.

It was with Bob that I shared the last few hours of my mother's life, and it was Bob who had the strength to let the hospice nurses know that "Mrs Keller has passed."

I realized today that Bob had actually been in my life longer than my own father. He was a great dad, a terrific grandfather, and an adoring husband. His first wife, Lynn, had passed several years before he and my mother met, but it was obvious to all who knew him that the size and depth of his heart was enough to deeply love both of his wives.

Thank you, Bob Keller, for your kind, strong hands (oh, did I mention that he was an accomplished wood and stained glass artist?), your bottomless and generous heart, and for the love you shared with my mother, my family, and me.

Cheap Car Insurance ?

Cheap Car Insurance  ?
Cheap Car Insurance ?

Car insurance - who needs it? Well, if you own a car, the answer is you need autoinsurance. That's the law. We're here to take some of the pain and confusion out of choosing car insurance with topics like choosing an auto insurance company and how car insurance rates are set. If you are involved in an accident or have your car stolen, owning the right kind of car-insurance - not just cheap car insurance - can help to ease a difficult situation.

Take a deep breath and relax. The pages ahead are filled with information on how to get the auto insurance coverage that's right for you, and - are you ready for this - possibly even save you some money on your car insurance premium too.

The People v ObamaCare©: This just in...

A Florida judge has ruled that the 20 of the 57 states may, in fact, continue pressing their lawsuit against ObamaCare©:

"U.S. District Judge Roger Vinson ... said the case would continue as scheduled. He had previously set a hearing for Dec. 16."

Not much more than that right now; interested readers may peruse the decision here.

Health Wonk Review: Rescue Me Edition

Our favorite health care economist, Jason Shafrin, hosts this week's wonky round-up. Jason asks (and answers) the question "What do the Chilean miners have to do with health policy blogs?"

Wednesday, October 13, 2010

Auto Insurence - Insurence Auto

Auto Insurance
The cost of auto insurance
Auto Insurence - Insurence Auto


Prices for auto insurance can vary by hundreds of dollars between companies, so it pays to shop around.
You should get several quotes before you buy a policy.
Don't shop price alone, service is just as important as price.

The carrier you select should offer both good prices and quality service.
Auto insurance is an investment and you should feel comfortable about your policy.
Quality service may cost a bit more. You should try to balance the service and price.
Nowadays, most major companies offer comparable quality customer service, of course they want your business.
Auto Insurence - Insurence Auto

Auto Insurence - Insurence Auto


You are likely, right now, to be paying too much for your auto insurance. The odds are even greater that you could get the coverage you need from another insurance company for a better rate.

However, consumers are generally shown not to put the energy into shopping for their insurance that they would into buying a new car.

The rise of the internet has radically changed the buying and comparison of auto insurance policies. Not only has competition between insurance providers increased, driving down policy prices, but it is easier and faster than ever to find the auto insurance perfect for you. There are several ways to save money in your search for better, more affordable car insurance.

Here are a few ways to save money on auto insurance: 1. Be thorough in researching and requesting all discounts you qualify for
2. Maintain a clean, up-to-date driving driving record
3. Assume more risk in your coverage
4. Choose to drive a “low profile” car with specific money-saving features
5. Find a low-cost insurance provider that can meet your needs


We’ll begin to explain discounts you might qualify for:

Low-Risk Job or Occupation Insurance adjusters collect information about what type of people get into accidents. Historically, data suggests overwhelmingly that people with certain professions get into far fewer car accidents than other people. For example, a teacher is far less likely to be involved in an accident than someone who is unemployed. Your job may entitle you to lower insurance rates because you are at lower risk for an accident. It is important to shop around for this discount, as different insurance companies use different criteria.

Professional Organizations and Auto Clubs A membership with auto clubs, such as AAA, or professional organizations offered through your employed may save you money on your car insurance. It is important to ask your insurer if any of these discounts are offered while also pursuing them through your employer.

Combined and Renewal Discounts If your car is insured by the same company that provides you with house or life insurance, you may be entitled to significant discounts on both policies.

You may not have to switch insurance companies to save money on your policy. If you have been with the same provider for an extended amount of time and had no accidents, you are entitled to renewal discounts, which provide incentive to remain with your insurer.

Automobile Safety Features Many states have laws that require lower insurance rates for cars equipped with safety features. Some industry-standard features such as ABS anti-lock brakes, airbags, and automatic seat belts may qualify you for insurance discounts. You should research if you live in one of these states or if your specific provider offers discounts for such safety features.

Assuming More Risk There are two ways in which you can drastically reduce the cost of your car insurance. First, if you have an older, less-valuable car you may drop your collision insurance. In trying to save money by owning an older car it does not make sense to spend more on insurance. If your car is worth less than $2000, you are most likely spending more on insurance than it is worth. Dropping collision coverage will create significant savings on your policy.

If you are not driving an older car, it might make sense to request a higher deductible. A deductible is the amount you pay out-of-pocket before the insurance company compensates the rest. Increasing your deductible from $500 to $1000 could decrease your monthly payments by as much as 30 percent. You might pay more for small fender-benders and dings but will save significantly while still being covered in the case of large accidents.

Low Profile Cars If high insurance costs are burying you, consider it while shopping for your next car. Insurance companies charge more for high-performance cars because of their increased susceptibility to accidents and being stolen. It might make sense to buy a more modest vehicle and use your savings for other adventures.


ObamaCare© and Your W-2: In the news

This is how the IRS characterizes the health care/W-2 kerfluffle:

"The Internal Revenue Service (IRS), an arm of the U.S. Treasury Department, has decided to include health expense codes that employers can use, but do not have to use, in the draft version of the 2011 W-2 wage tax withholding form." [emphasis added]

Gee, thanks fellas.

I find that ironic because of this:

"The IRS on Tuesday announced it has delayed the filing requirement for companies to report the cost of supplying healthcare coverage to their employees."

Regular readers may recall our recent post on this subject, which pointed out that the folks at NFIB "believe the provision really starts earlier. If someone leaves his job in 2011, the employer must provide the W-2 – with the added info – within a few weeks of the employee’s departure." So does this new announcement change that calculus?

One problem, of course, is that it doesn't seem to address the issue of when the actual reporting must begin. I've asked our friends at NFIB for their thoughts, and will let our readers know what we find out from them.

["Hill" Hat Tip: FoIB Patrick P]

Stupid Government Trick: Hit a cop, Sell a Policy

We had to go back all the way to our very first year (2005!) to find an idea this reprehensible:

"On at least six occasions, state Chief Financial Officer Alex Sink approved felons’ applications to sell insurance in Florida."

Ms Sink, currently running for Governor of the Sunshine State, presently serves as the state's Chief Financial Officer. It's not just that her office thought this was a good idea, but she (apparently) personally signed off on all six applications. And these weren't speeding tickets or spitting on the sidewalk, either:

"(A)pplicants ... had been convicted of, or pleaded guilty to ... Assault on a police officer ... Resisting arrest with violence ... Grand larceny" and several other serious offenses. Florida, as in most states, prohibits convicted felons from obtaining licenses to sell insurance. Unfortunately, these six (that we know of) fellows were approved to sell life and health insurance policies (now there's a scary thought!) to unsuspecting prospects.

It certainly gives new meaning to high pressure sales.

[Hat Tip: Hot Air]

Tuesday, October 12, 2010

Old Dog, New Trick: Apologia

Years ago, Saturday Night Live featured a funny sketch called "Common Knowledge," the point of which was to show that a lot of what we think we know is, in fact, wrong. This past summer, in one of my posts about Ohio's new ObamaPool©, I inadvertently mis-characterized how renewal rates are calculated in the individual market. I said:

"by law, carriers can't single out individual insureds for rate increases"

Turns out, there is no such law; the relevant section of the Ohio Revised Code (ORC) is silent as to this issue. This discrepancy was pointed out to me by the reporter who wrote the story on which that post was based, Ms Carrie Ghose; she emailed me yesterday to challenge my claim regarding renewals. After poring over the ORC (and checking with other sources), I found, to my dismay, that there is no such provision. I've updated the original post with this information, but in fairness to Ms Ghose, I wanted to make sure that our readers know the facts regarding renewal rates in the Ohio individual medical market.

A spoonful of sugar...

Perhaps it's all in one's perspective:

"Growing numbers of Americans with health insurance are walking away from their prescriptions at the pharmacy counter, the latest indication that efforts to contain costs may be curbing health-care consumption."

The Journal's thesis is that, because folks have higher co-pays and/or deductibles, they can't afford to pay as much for their meds.

I think it's something else: when 3rd parties are paying the bulk of your expenses, you have no real incentive to cut back. DTC (Direct to Consumer) advertising also plays a role, increasing demand, regardless of whether or not it's justified. Bob wrote about this some time ago, pointing out that "(s)ome studies suggest that newer, more expensive meds are no more effective than older, less expensive drugs."

So there's an increase in demand, fueled by the fact that someone else is footing the bulk of the bill, but what happens when that equation tilts the other way? People make the conscious choice to take a flyer, perhaps understanding that they don't really need that med, after all (not unlike those who choose to go without health insurance). Seems pretty rational to me.

Supporting this thesis is the fact that "(p)atients are deserting prescriptions for the most expensive drugs most often." That makes sense, although one wonders why they even bothered having them filled in the first place. It's not as if the cost, and one's portion of it, is a surprise: the cash register pretty much tells the story. Simple enough to pull an Emily Litella.

To some extent, ignorance of how health insurance works is a factor:

"After switching employers in April, Ms. Brockway said, she chose a high-deductible plan for herself and her 12-year-old son because it took less out of her paycheck ... when she went to pick up asthma medicine for her son and an antidepressant for herself, the pharmacist told her it would cost more than $335."

And?

How much did she save in premiums, and where did that go? How much is her cable bill (if any)? Just once, I'd really like to see so-called "journalists" ask (and report) about what other choices their subjects are making. We have no idea whether Ms Brockway's son has his own cell-phone, for example, and how much that costs. What other discretionary expenses do people make that tells us about their priorities? Why aren't these part of the story, as well?

And there's this: "She returned later and bought a less-expensive prescription for her son." So she did in fact, make the choice to put her son's health first. Why didn't she ask about less expensive medication in the first place? Why didn't the pharmacist (or her doctor) suggest the lower priced alternative? I submit that it's because, until recently, cost wasn't a factor: someone else was paying for it.

The fact is, her high-deductible plan (apparently) worked exactly as advertised, she just didn’t understand how to use it. Once she had "skin in the game," it was to her advantage to begin asking questions, and looking for ways to lower the cost of her (and her son's) health care.

And that's a good thing.

Monday, October 11, 2010

Historical Recreation: U.K. vs U.S.

I have been involved in historical recreation with the Society for Creative Anachronism for a very long time and have just had a very interesting online exchange with someone doing historical recreation in England, largely on the differences between how they do it and how we do it.

The central difference, so far as I can see, is that almost all U.K. recreation consists of performances for an audience, usually a paying audience. Almost all SCA recreation, and I think (although I might be mistaken) most U.S. recreation in other periods, most notably the U.S. Civil War, is done by and for the participants. An SCA tournament has an audience, but it is a medieval audience—an audience of participants dressed in some attempt at period clothing. The spectator at the tournament may also be one of the people cooking the evening's feast or, later, teaching renaissance dances.

One result that I found particularly striking, given my interests, was a very different attitude to medieval cooking. My correspondent assured me that medieval feasts were very expensive. A little online browsing, searching for "medieval feast" in .uk domains, confirmed that. So far as I could tell, the nearest thing to an authentic medieval feast available in the U.K., put on by a catering firm, costs 34 pounds/head in the least expensive version and a whopping 270 pounds per head in the fancy, seven course, version. A large part of that cost, of course, is for the labor of cooks and servers.

In contrast, I would expect an SCA feast, at least equally authentic, to be no more than ten dollars for the meal, plus perhaps another five or ten as a site fee to pay for the rental of the hall. The labor cost is zero, since the cooks and servers are themselves participants, doing it for fun—at most they might (or might not) get a free meal. My correspondent found that idea, along with the idea of musicians performing at the feast for free, almost unbelievable—in his view, anyone worth listening to would expect to be paid.

Another consequence of the difference is that, as best I can tell, English historical recreation is tied much more closely to the official educational system than similar activities in the U.S., with performances to some degree designed to fit into the standard curriculum. The recreation is subsidized by the state—on how large a scale I do not know. And at least some of the customers for the performances are state schools. Indeed at one point in the conversation, it seemed to me that my opposite number took "fitting into the official curriculum" as part of the definition of eduational, although when pressed on the point he denied it. What was clear was that he thought of "educational" as meaning "educating the audience," while I thought of the activity's primary educational role as educating the participants. Or perhaps, more precisely, encouraging them to educate themselves.

I am curious as to the consequences of these very different approaches. One striking contrast with the SCA is that the U.K. groups have quite a high level of required physical authenticity. The SCA, in contrast, has a minimal level of required authenticity—some attempt at pre-17th century garb. But while physical authenticity is not required, it is admired, and there is a lot of it at a high standard. My guess, and it is only a guess, is that our best armorers or costumers are at least as good as theirs. And it is worth noting that Civil War recreation in the U.S., at least by reputation, maintains a level of required authenticity comparable to the corresponding activities in the U.K.

I am also curious as to the reasons for the difference. Is it merely a matter of historical accident? Or is there some difference between cultures that makes Americans (and Canadians, Australians, New Zealanders, ...) more willing to put time and effort into something they are doing for the fun of it?

With luck, some readers of this blog will have experience with historical recreation and be able to provide additional information.

How Will the Insurance Company Find Out?

"If I don't tell the health insurance company about (name any illness), how will they find out?". I always cringe when this question comes up. Got a call like this today from a former client.


I say former because he bought health insurance from me a few years ago, including maternity with no waiting period, so his wife could get pregnant.


She did, she delivered, he dropped the coverage.


Then last week he called again. Just like before, did not want health insurance on himself, nor on his son (who is on Peachcare . . . Georgia's SCHIP plan for low income families), just on his wife.


My spidey senses were tingling.


"Is she in good health?" I asked.


"Oh yes, I just want to get health insurance on her just in case."


I wanted to ask "in case what" but I didn't.


Today he called back and wanted to know which health insurance plan I would suggest. I said the plan from Humana was a good one and the one I would probably buy if I were in the market.


"How soon can we make it effective?" he asked.


"Usually a couple of days. Why do you ask?"


"She is waiting on some tests. The doctor thinks she may have Lupus".


There you go. The cat is out of the bag.


"Well, she won't be able to get health insurance until the tests come back and if confirmed that she has Lupus, she will not be able to buy health insurance then either".


"Why not?"


I hate that question almost as much as the one that followed.


"The carrier will ask on the application if she is waiting on test results and when they find out they will postpone the health insurance application until the tests come back".


"So how will they know if she doesn't tell them?"


"They have ways of finding these things out. If they don't find out before underwriting, they almost certainly will if the tests come back positive for Lupus."


"What kind of ways?"


"I tell you what. Let's just forget about any of the plans I sent you and you should have her apply for PCIP, the Obamacare plan that is designed for this kind of situation."


"How much does it cost? Is it more expensive than the Humana health insurance plan?"


"Probably, but it doesn't matter since, based on what you have told me, she won't qualify for Humana or any other health insurance plan besides PCIP."


"OK, send me the information, I think I will wait until the tests come back before applying."


"Sounds like a plan . . ."


I hate calls like this.

ObamaCare© Travelin': Medical Tourism under PPACA

Steven Lash, President of Satori World Medical, thinks that there's a silver lining in ObamaCare©: it's his belief that it will continue to fuel, and in fact increase the demand for, medical tourism. He bases this belief, in part, on the fact that this train-wreck has already begun to show the stress fractures in our system as a result of increased demand without adequate supply.

With Steven's permission, here's his take:

The changes in legislation [ed: ObamaCare©] will offer both positive and negative impacts to U.S. businesses. One of the benefits of the legislation is that we now know how the future of health care is going to be shaped. There are a specific set of deliverables and timetables that have been set.

With the completion of PPACA, businesses are focused again at looking for measures to save on rising health care costs. Because of this, businesses are starting to see a place in their employee benefit plans for medical travel.

With the addition of 40 million Americans having access to health insurance, there will be increased demand for health care services. Couple that with an existing
shortage of nurses and doctors, queuing for medical care will be a natural by-product.

As the time to see a specialist increases, more individuals will seek to get immediate help through medical travel. Employers and employees will come to understand the high-quality health care that is available to them internationally as they look to end pain and ill health.

The PPACA utilizes similar features as the state-wide
Massachusetts plan, which was implemented several years ago. In the Massachusetts plan, queuing for primary and specialty care has more than tripled the wait time for appointments and treatment.

As the low cost option, medical travel will be an attractive network option for employer-based medical plans.


Thanks Steven!

Retro Risk Reduction

It's tempting to think that the long, heavy "big metal" cars of bygone eras were safer than today's smaller versions. Take, for example, the venerable '59 Chevy Bel Air, its 211 inches weighing in at an impressive 3225 pounds. At the other end of the spectrum, last year's Chevrolet Malibu which, while actually a bit heavier (by about 200 pounds), is about 20 inches shorter. In a head-to-head (literally!) battle, the survisor might surprise you:



[Hat Tip: FoIB Sam B]

Saturday, October 9, 2010

ObamaCare© Dreamin': I've got some questions

Currently, and since the advent of HIPAA, I can go from a group plan to another group plan, or an individual plan to a group plan, on a guaranteed issue basis, and any pre-existing conditions will be covered immediately.

[ed: Yes, there are a variety of hoops through which to jump, but assume those for sake of discussion]

In order to accomplish this, I need but a simple piece of paper, called a Certificate of Creditable Coverage, which "proves" that I've been covered for (at least) the previous 12 months. Absent this Cert, my new employer's carrier can delay covering any pre-existing conditions for a while.

Yes, yes, Henry. What's your point?

Well, as long as I have that little piece of paper, I can prove prior coverage, which is the point of the exercise, and demonstrates that one can, in fact, prove a positive.

But can one prove a negative?

Implicit in the PCIP (ObamaPool©) program is the applicant's assertion that he has not been insured during the previous six months. Which leads us to Question #1:

How does the Pool's© lifeguard prove that I did?

Follow up question: by what mechanism is the new carrier allowed to investigate the veracity of my claim?

Next, we turn our attention to the problem of the child; that is, the fact that one can no longer buy a child-only policy. Carriers which have gone this route (and I'm aware of none that haven't) generally allow a child to be covered if at least one of his parents is also on the policy. Which brings us to Question #2:

What happens when Mom and Junior apply and are issued a policy, and a month later Mom drops coverage on herself?

Follow-up question: by what mechanism would the carrier be allowed to then cancel coverage on Junior?

Well?

Friday, October 8, 2010

Friday LinkFest

■ At Frontpage, Tait Trussell makes the case that ObamaCare© constitutes "Medicare Malpractice" by essentially shafting "millions of low-income folks, minorities, and Hispanics." As we've noted, a lot of seniors covered by Medicare Advantage plans have been thrown under the bus.

David Hogberg offers his fisking of the New Republic's Jonathon Cohn's take on efforts at repealing ObamaCare©. He notes that this train-wreck "will force a lot of people to pay higher premiums ... lavish subsidies on the private insurance industry ... [and] put life-and-death decisions in the hands of bureaucrats." Sounds like a hat-trick to me.

Finally, the AP reports that the ObamaPools© are off to an underwhelming start (something we've long since noted), including one that we missed: "California, which has money for about 20,000 people, has received fewer than 450 applications."

Enjoy!

The Sad (Real) Faces of ObamaCare©

Yesterday, I had to turn away two prospective insureds. That's happened before ObamaCare© was a gleam in Ol' Nancy's eyes, but it was particularly troublesome because there are fewer choices now on which these folks can "land."

Let me explain:

Steve is a 45 year old gentleman who was laid off from his job last month. He's eligible for COBRA, but his means are (obviously) more limited, and the cost is prohibitive. With ARRA subsidies gone, he's stuck. Compounding his troubles is the fact that he's way to short for his weight, and has a number of other health issues. In fact, but for one "glitch," he'd be a prime candidate for the ObamaPool©.

Unfortunately, he's been insured within the past half-year, so he's outta luck, and outta the 'Pool©.

Then there's Tonya, a young lady in her late 20's, a single mom with a healthy five year old. Her employer offers a very nice group insurance plan, which just experienced a 35%+ rate increase, much (most?) of which comes courtesy of ObamaCare©. She'd like to jump off, but she has a number of problems.

No, her height and weight are within normal guidelines, but she's a Type I diabetic, and therefore uninsurable in the "regular" market. The 'Pool© might be a great option for her, but - you guessed it - no can do. Adding insult to injury, she can't do what we used to do: peel Junior off the group plan and put him on his own, much less expensive, policy. It's really a nasty trick, because even though we could write Junior on a plan with Mom, if Mom doesn't qualify (and she doesn't), Junior's not eligible. Then again, it's doubtful now that they'd save any money if they could get him his own plan.

I guess now that we're seeing what's in the bill....

Thursday, October 7, 2010

Irony, Thy name is Cliff Clavin

Let me get this straight: Postal Workers' union elections are on hold because ballots have been lost in the mail?

Yep:

"But the union announced that only about 39,000 ballots were turned in -- and that "a large number of union members had not received their ballots."

You're kidding, right?

Um, no:

"The American Postal Workers Union has extended its internal election after thousands of ballots appeared to have gotten lost . . . in the mail."

As Warner Huston notes, these are the folks that want to run our health care system?

It's a little known fact that...

Shecantbeserious Waivering: You want fries with that?

On the heels of the recent McDonad's/Mini-med kerfluffle, we now learn that over 2 dozen companies have been granted temporary ObamaCare© exemptions. This of course raises a number of -- shall we say uncomfortable? -- questions:

First, under what criteria were these waivers granted? What, if any, quid pro quo was extracted from the corporate coffers of those which benefitted?

Second, what happens next year, when these waivers expire? Will they automatically renew? If not, what process will be implemented to review whether or not such exemptions will continue?

Third, what companies applied for an exemption and were declined, and on what basis?

Fourth, why is it that not only employers and insurers were granted exemptions, but also unions?

One more little time-bomb that was in the bill we had to pass to see.

Obamacare - Is The Public Option Dead?

Is the so-called public option in Obamacare dead? Some don't think so. Left wing blogger Huffington is sporting a post today suggesting there is still hope for those who want a public health insurance option. According to Dr. Abrams who it appears has never practiced medicine nor run a health insurance company, Democrats can still exploit a little publicized provision in Obamacrap to sweep them into office and create even more bureaucracy at the state level.


Apparently no one told Dr. Abrams the states are broke.



Although a federal 'public option' failed to make it into the law, states were granted the power to generate their own public option.



There you have it. Public insurance run by the states. The same states that are complaining about the addition of millions of uninsured's to Medicaid and wondering how care for the masses will be funded without massive tax hikes.


There's your answer.


States, like the federal government, have almost unlimited authority to raise taxes at will. For some reason people seem to think if it comes from the government it must be free. Those are the same people who believe that corporations pay taxes and you can't get pregnant if you do "it" standing up.



If I were running anywhere this year, for governor or state legislature, I would propose that my state enact a public option for itself. Its costs would be negligible, as the federal government provides the necessary subsidies to enable those who cannot afford it to buy it, whether it is from a private insurer or the state.



Costs would be negligible. Gotta love it. 


Raise your hand if you believe in subsidies that will last forever, if they even materialize at all. If you raised your hand you probably live in one of the 57 states and voted for having your health insurance premiums lowered by $2,000 and still believe if you like the plan you have you can keep it.


To paraphrase Mark Twain, according to HuffPo, "Reports of the public option being dead are greatly exaggerated".

The Commish (An InsureBlog Exclusive!)

Although the Whitman-Brown (or is that Brown-Whitman?) race seems to be sucking up all the air in the room, there's another electoral competition going on in the Golden State. In California, the Commisioner of Insurance is an elected position. It's a tough race, but independent insurance agent Rick Bronstein aims to give it all he's got. Rick graciously agreed to an (Exclusive!) email interview with InsureBlog:

InsureBlog (IB): So, Rick, can you tell our readers a bit about yourself (including how long you've been in the insurance business)?

Rick Bronstein (RB): I’ve lived in the Los Angeles area all my life, graduating from UCLA in 1978. I’ve been licensed since August 1977 when I began working in a small P& C agency part time. Ultimately I became the office manager and remained there for 9 years. Since then I’ve worked for a credit union as their insurance department manager, as an outside salesperson for Secure Horizons, and been on my own since 1996.

I enjoy long walks on the beach golf, profitable trips to Las Vegas, and riding my motorcycle [ed: since this is a family-friendly site, no centerfold].

IB: How would you characterize the current state of CA insurance markets? I realize that this is a somewhat loaded question; maybe a little bit about the P&C side, and more on the life/health (especially health) side.

RB: Like most states, mandates and regulations have created more problems than they have solved. Carriers are forced to provide benefits that may not be wanted, and every benefit has a cost.

We have a state run workers compensation company that as part of its mandate is to be revenue neutral to taxpayers. A few months ago our insurance commission sent $5,000,000 to various district attorneys throughout the state to fight fraud. How is that revenue neutral? Insurance companies should fight their own fraud cases.

The insurance commissioner has been holding Anthem Blue Cross “hostage” and has not approved their plans with effective dates after 9/22/10. How is that helping residents of California?

We’ve gone from oversight to over-regulation.

IB: Why run for insurance commissioner instead of, say, letters to the editor, that kind of thing?

Letters to the editor are almost impossible to have published, and if so, are rarely more than one or two paragraphs. While I know it’s unlikely that I will receive more votes than the establishment candidates (Democrat and Republican), at least I can get out the message of allowing a free market to actually be free.

What are your Top 3 goals should you become elected? Or, if you prefer, the first 3 things you plan to address?

The most pressing issue right now is the ObamaCrap that the brain surgeons in Washington passed. So the first 3 things I would do is to encourage the state to do everything possible to have this overturned. Among all the other unconstitutional provisions, the entire bill violates states’ rights.

Since I do not believe the insurance commissioner’s job is to make it more difficult for insurance companies to do business in California, I would reduce the regulations that thwart competition and lead to higher prices.

The third item is to once again allow for gender rating for Medicare Supplements. Several months ago the state required unisex rates which had the effect of raising prices for women on many plans by 20% or more. Once again, regulation where none was needed.

IB: One last question: With all the news out of DC, what do you think about ObamaCare, and specifically as it might effect Californians?

RB: This is a family site, right?

Thanks, Rick, for your forthright answers, and your commitment to fight the good fight. Hopefully, at least some of your ideas will find their way to implementation.

[This interview is not intended as an endorsement of any candidate]

Movin' on up... (An IB Exclusive)

In the Wikio Health Blog rankings. The new numbers are out, and we've moved up quite a bit, all the way to the (lucky) 13 spot (pretty good for an insurance blog!).

Thanks to Wikio's Oliver Orlik for the heads' up, and for the (exclusive!) opportunity to post this before the official publishing date:






















1Well
2Respectful Insolence
3Science-Based Medicine
4Kevin, M.D. - Medical Weblog
5Dr. Wes
6Health Beat
7The Health Care Blog
8In the Pipeline
9Pharmalot
10White Coat Underground
11Better Health
12John Goodman's Health Policy Blog
13InsureBlog
14The Last Psychiatrist
15Health Care Renewal
16Managed Care Matters
17Healthcare Economist
18Disease Management Care Blog
19DB's Medical Rants
20The Happy Hospitalist

Ranking made by Wikio

Sunday, September 26, 2010

"Unemployment compensation is unconstitutional"

The same article on the Tea Party movement that inspired my previous post also contains:

"The Senate candidates include Joe Miller of Alaska, who has said unemployment compensation is unconstitutional."

This one is wrong too, but in a subtler fashion. What Miller actually claims, as one can check pretty easily by listening to what he says, is that federal unemployment compensation is unconstitutional. That is not the view of the current court, but it is a defensible reading of the Constitution based, as Miller makes clear, on the doctrine of enumerated powers. On that interpretation, the federal government is only entitled to do those things that the Constitution explicitly says it can do, with the Tenth Amendment providing that anything else is reserved to the states and to the people.

Unemployment compensation is administered by the states, funded by both the federal and state governments, and varies from state to state. Eliminating the federal role would be a substantial change but one well short of eliminating unemployment compensation, which is what "unemployment compensation is unconstitutional" seems to imply that Miller is proposing.

It seems I have a new hobby—debunking overstated claims about what Tea Party supported candidates have said.

Ken Buck and "separation of church and state"

A recent news story on the Tea Party movement refers to "Colorado’s Ken Buck, who says he opposes the principle of separation of church and state." That got me curious, in part because I have found other assertions about Tea Party backed candidates to be less than accurate, so I googled around and eventually found a video of Ken Buck speaking on the subject. I am guessing that this is the origin of the claim, but I actually don't know—I was unable to find anyone who made the claim and supported it with an actual quote from Buck.

The video is on a Huffington Post page; to their credit they do not claim that he opposes the principle, only that he "has called for a 'much closer relationship' between church and state." What he actually says in the video, after mentioning the existence of state religions in Europe at the time the Constitution was written, is:
… the freedom of religion in this country in my view was meant to be a freedom from state imposed religion. I can’t tell you what god you are going to pray to, you can’t tell me, and that is, that is one of the great things of, in this country. The idea that church and state should be separated is fine with me. The idea that there should be no interrelationship between the two is not fine with me. I think that the separation of church and state is much different than our founding fathers intended it to be and we would be much better off with a closer relationship between church and state. Not a state sponsored religion and not religion dictating to the state public policy but a much closer relationship.”
He goes on to speak of the fact that Bush had a number of “faith based programs” that “I think are appropriate.”

Perhaps there is some other evidence to support the claim that Buck says he opposes the separation of church and state—commenters are invited to offer some. As it stands now, it looks as though the claim is simply false, one more example of the willingness of journalists to say things without any good reason to believe they are true.

Provided, of course, that the things they say fit their own views.

I should probably add, given the earlier discussion of O'Donnell, that Buck looks, based on what I have found so far, to be a considerably more articulate and intelligent candidate than she is. That is based in part on the Huffington Post video, in part on an interesting piece by a liberal interviewer.

Friday, September 24, 2010

A Sceptical Rule of Thumb

I recently came across a webbed review of the movie Agora. The review, and I presume the movie, is an attack on early Christianity, seen as responsible for the destruction of classical civilization. The review includes, along with much else, the claim that "in 391, archbishop of Alexandria, Theophilos, was behind the destruction of the library of Alexandria."

What is interesting about this story is how many people were responsible for destroying the library of Alexandria. The three best known candidates are Julius Caesar, the Caliph Umar, and, of course, Archbishop Theophilos.

Of the three stories the best is Umar's. After Egypt came under Muslim rule, he was supposedly asked what was to be done with the library, and replied that books which disagreed with the Koran were false, books that agreed were superfluous. So they burned it. Like the other two versions—Caesar is supposed to have destroyed it by accident in the course of military operations—there is no good reason to believe the story is true. You can find a detailed account of the different versions of the destruction of the library and the evidence for and against each at Wikipedia.

Why so many stories? The answer, I think, is clear. The destruction of the greatest collection of classical literature ever assembled—much of it now lost forever—is a dramatic event, and one that provides a useful setting for an attack on whatever person or group you regard as particularly barbarous. That is the function the story serves in both the Christian and Muslim versions. The Julius Caesar story may perhaps have survived from pure literary merit—there is something dramatic about so important an event happening by accident in the middle of a battle. Think of it as a post script to the killing of Archimedes at the end of the siege of Syracuse—by a soldier impatient at the unwillingness of the mathematician, absorbed in some theoretical problem, to come when ordered.

All of which brings me to my simple rule of thumb: Distrust any historical anecdote good enough to have survived on its literary merit. It might be true. But it might equally well be a guess or a lie or a mistake by one person, spread by many others—and getting better at each repetition. I got to observe the process at first hand in a long-ago Usenet argument when I discovered that a period reference to a woman who, in the battle of Junain, "had a dagger which she carried about" had morphed to "tied a dagger around her waist abover her pregnant belly and fought in the ranks of Mohammed and his followers" (modern Arabic speaking feminist) to "with an armory of swords and daggars strapped around her pregnant belly fought in the ranks of Mohammed and his followers" (modern English speaking feminist) to "one of the Prophet's wives was renowned for winning a cavalry charge when eight months pregnant, ..." (Usnet poster).

And, for a final example, consider the phrase "rule of thumb." According to a popular story, it originated with the rule that a husband was entitled to beat his wife so long as he used a stick no thicker than his thumb. In fact, no such legal rule ever existed. The origin of the story seems to be a comment attributed to an 18th century judge and ridiculed by his contemporaries.

----

P.S. A commenter points to a devastating review of the film. Not only is there no evidence that the mob that destroyed the temple of Serapis burned any manuscripts at all, there is no evidence that, by the date of the destruction, there were any manuscripts there to be burned. And the movie has altered the historical facts in a variety of other ways, all designed to serve its message, converting a rather unpleasant political squabble between two civic factions into a grand story of the suppression of knowledge by Christian fanatics.

Read it.

Wednesday, September 22, 2010

Could Woodward's Source be ...?

I haven't read Woodward's new book—indeed, I don't think it is out yet. But from what I have heard about it, I have a possible solution to the puzzle of how Woodward got lots of detailed information about what happened at a variety of supposedly secret meetings.

One theme of the book, as so far described, is that Obama wanted to withdraw from Afghanistan and reluctantly agreed to send more troops instead only due to pressure from his military advisors. If things continue to go badly in Afghanistan, that story could be very useful for the President, since it makes it look as though he was the farsighted one in the administration and the mistake of going in instead of out wasn't really his. If, on the other hand, things go well, Obama can take credit for the decisions he made and not worry about being blamed for the decisions he didn't make but, if Woodward is to be believed, wanted to.

Think of it as a win/win strategy.

Friday, September 17, 2010

What Should Count As Nutty?

Two of my recent posts dealt with the question of whether Christine O'Donnell, currently the republican nominee for senate in Delaware, is a nut. That raises a more general question of some interest: What counts as nutty?

Pretty clearly, it isn't enough to merely hold mistaken beliefs; we don't regard Ptolemy as a nut, although he famously believed that the earth was at the center of the universe, embedded in a nested collection of crystaline spheres. Those of us who are atheists do not conclude that all the religious believers are nuts although, seen from our perspective, the beliefs of many of them do indeed look pretty weird. So what does it take?

In the first of my two posts, I mentioned that O'Donnell, in arguing that masturbation was sinful, was correctly (so far as I could tell) reporting a position expressed in the New Testament (not about masturbation directly but about lust), and that although I disagreed I did not take that as evidence that she was a nut. Several people commenting wanted to know why, or else clearly disagreed.

In that particular case, I think there are two answers. The first is that I don't have any solid basis for my own moral beliefs, any way of proving to a reasonable and open minded skeptic that they are correct. That puts me in a poor position to condemn as obvious nonsense someone else's moral beliefs.

I could have gone on to point out that a number of moral beliefs strongly held by many people in our current society would be seen as distinctly nutty by most people, including most intelligent, educated, and reasonable people, in a fair number of past societies. Consider, as one example, our rejection of slavery, contrasted with the view of the subject held by Aristotle and his contemporaries. For another, consider our view of the minimum age for sexual intercourse, reflected in age of consent and statutory rape laws, contrasted with the views of most past societies. There is good reason to believe that we know more about science than people did in the past, but I have not yet seen any evidence that we know more about moral philosophy. And I know of at least one twentieth century case where a legal change replacing traditional with modern views of the subject—in Jewish law by rabbis in Palestine—was defended by the factual claim that bearing children young was more dangerous now than it had been two thousand years ago, a "scientific" claim that strikes me as distinctly nutty.

But the special problems of moral beliefs don't answer the more general question. There are lots of people who disagree with me on factual questions whom I don't consider nutty either. So where do I, where should I, draw the line.

Consider a second and more troubling piece of evidence against O'Donnell. In a TV interview a few years back, she said:

"American scientific companies are cross-breeding humans and animals and coming up with mice with fully functioning human brains."

The story I got the quote from suggested that she was "misremembering this 2005 report on scientists who successfully grew human brain cells within mice."

Misremembering the details of a news story doesn't qualify as nutty—people do that all the time. Getting facts wrong, even badly wrong, doesn't qualify either. As I pointed out in a piece some time back, David Frum, a prominent conservative commentator, got the facts about the beginning of the Great Depression backwards, thought Hoover cut spending when in fact he sharply increased it; that doesn't make him a nut. Biden, in his debate with Palin, described FDR as responding to the stockmarket crash by going on television to reassure the nation. That doesn't make him a nut either.

What is disturbing about the O'Donnell quote is not that she got the facts wrong but that she got them so very wrong, believed something that, on the face of it, no reasonable person would believe. That strikes me as a good first cut at a definition of nutty.

But the application is not as simple as it might seem, even in that case, because it depends on what one can expect a reasonable person to already know. Biden's comment contains two claims that, to anyone moderately familiar with American history, should have been obviously false—that FDR was president in 1929 and that television was widely available at the time. But most Americans are not even moderately familiar with American history, and that probably includes quite a lot of prominent American politicians.

Similarly with the O'Donnell quote. The idea that one could get a fully functional human brain into a mouse's skull is, on the face of it, absurd—to someone with any feel for either the current state of biotech or the relevant biology. But I think there is quite a lot of evidence—most obviously the circulation figures of the wilder tabloids—that a sizable fraction of the American population doesn't have any feel for that sort of thing. Do they all count as nuts?

Let me go back to the question of the Bible, not as a source of moral authority but as a source of truth. My first instinct is to write off anyone who believes that as obviously crazy. And I am at least tempted to broaden that to anyone who believes the central claims of any of the major religions, anyone who, in Orwell's phrase, believes in Heaven the way he believes in Australia.

The reason I don't write them off that way is that I know of too many people, present and past, who quite obviously were intelligent, thoughtful, and reasonable, yet believed in the Bible, some of them in a pretty literal sense, others at least to the extent of believing in its central claims.

In trying to make sense of all this, I fall back on the observation that most of what most of us, perhaps all of us, believe, is based not on evidence directly available to us but on what the people around us tell us. Not only is it so based, it has to be. Nobody has the time and energy to check enough of the facts for himself—to be sure that Australia, and New Zealand, and Antarctica, and Orford, N.H., actually exist by going and looking at them, rather than by believing what he is told or reads.

One reason I am confident it can't be done is that I know someone who tries, a fellow poster to Usenet with whom I have interacted over a period of many years. He is an intelligent and energetic fellow, and he appears to follow a policy of regarding with skepticism anything he can't check for himself. Thus, for example, he takes it for granted that none of the official figures on inflation can be trusted, and tries to make his own estimate from prices he has himself observed. His conclusions, in that case and many others, sharply diverge from what the rest of us believe. One result is that he comes across, to many people and not entirely without reason, as a nut.

Once you accept the practical necessity of relying heavily on second hand information, you have to modify your view of what a reasonable person would believe to take account of what those around him believed. If you have no training in science and your only information on biotech comes from the popular press, it may not be obvious that a story on mice with human brains cannot be right. If you have devoted your time, energy, and intelligence to living your own life, doing your job, dealing with those around you, it isn't all that unreasonable to accept as truth what those around you believe about wider issues less directly observed, such as the existence of God or the weakness of the case for evolution.

That applies not only to people in the past who couldn't have known the evidence for evolution but to people in the present who could have but in all probability don't. I long ago concluded that most people who say they do believe in evolution, like most who say they don't, are going mostly on faith. As I pointed out in a post some years back, many of those who say they believe in evolution, most notably people left of center, have no difficulty rejecting even its most obvious implications when those clash with their ideology.

So what does qualify one as a nut? I think the best answer I can come up with is holding beliefs that no reasonable person with your intellectual background could hold. In practice, since one rarely knows enough about some else's background to apply that criterion, it comes down to observing how someone holds and defends his beliefs. Someone who argues for creationism and against evolution in a coherent, consistent, intelligent fashion isn't a nut, even if there are lots of facts he doesn't know that contradict his argument, even if he bases his attack on a mistaken (but widely believed) account of the contents of the theory he is attacking.

It is at the point when the argument depends on ignoring facts he does know, on defending inconsistent positions, demonstrates that he is committed to the conclusion whatever the evidence and the arguments might be, that the balance begins to tip. The clue is not what he argues for but how he argues for it.

At least, I think that's the closest I can come to answering the question that started this post.

Moynihan on O'Donnell

One of the things that first got me paying attention to the charges against Christine O'Donnell was a piece in the Reason blog by Michael Moynihan attacking her. He has now posted a second one. It provides a little evidence that she is a nut, more that Moynihan is either incompetent or dishonest. He writes:
I mean, we all could make the mistake of thinking that there exists an army of mice with human brains, or that Vince Foster was “murdered,” possibly by those in the White House. (A number of people are offering up the “O’Donnell was just asking questions” defense, though she explicitly refers to “the murder of Vince Foster,” ...
As you can easily check by following the "murdered" link, O'Donnell did not explicitly refer to "the murder of Vince Foster." What she actually said, arguing that Newt Gingrich was being attacked on relatively minor charges while much more serious charges against President Clinton were being ignored, was:
"And then there's also the issue of murder with Vincent Foster. That's a much more serious charge than failing to seek legal advice"
There is a large difference between "the issue of murder with Vincent Foster" described as a "charge," which implies that he might have been murdered, and "explicitly" referring to "the murder of Vince Foster." Moynihan not only attributes the latter to O'Donnell, he does it in quotation marks. Attributing words to someone that she did not say is either incompetent or dishonest journalism.

The "army of mice with human brains," on the other hand, exaggerates what she said but there is something real there to exaggerate. The actual quote is:
"American scientific companies are cross-breeding humans and animals and coming up with mice with fully functioning human brains"
The story he links to suggests that she was "misremembering this 2005 report on scientists who successfully grew human brain cells within mice." If so, she was careless with her facts and demonstrated a badly exaggerated idea of the capabilities of current bioscience.

The piece offers two other pieces of evidence against O'Donnell. One is that someone who worked for her 2008 senatorial campaign reported that O'Donnell "told me that she thought Joe Biden tapped her phone line." If Moynihan believes the idea that political campaigns sometimes engage in illegal wiretapping is absurd, he somehow managed to miss the entire Watergate episode along with much else.

The other evidence, from someone who volunteered for the same campaign, is that O'Donnell talked to him about winning a lucrative television contract with CNN or Fox News Channel.

"I informed her that most media organizations prohibit their employees from running for office. She didn't seem to understand and was more interested in getting a contract," he recalled. "She was more concerned about getting a TV deal than winning office."

It does not seem to have occurred to either him or Moynihan that O'Donnell's chances of winning office—while running in an election she ended up losing by about two to one—did not deserve a major role in her career plans.
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P.S. I emailed Moynihan pointing out that he was misquoting O'Donnell and he has now put a correction up on his post.

George Bush and the Tea Party Movement

Listening to the radio today while driving, I heard one commenter asserting that the odd events of this election season were all due to the poor state of the economy. There is some truth to that view, but not as much as he thinks. The other reason for what is happening is George Bush.

Bush is responsible for the Republican insurrection and the Tea Party Movement twice over. To begin with, he spent eight years demonstrating that Republicans were at least as willing to increase the size of government, and to do it with borrowed money, as Democrats—indeed, more willing than the most recent Democratic administration. That was a good reason for Republicans who believe in the sorts of things Bush said he believed in to conclude that electing Republicans was no great improvement over electing Democrats, hence that renominating current incumbents would mean the wrong people being elected—whoever won. From there it is a short step to nominating someone else, even at the risk of losing the subsequent election.

Second, and I think equally important, Bush made himself massively unpopular with the electorate, with the result that the Democrats did much better in the 2008 election than they had any business doing, given the distribution of political views in the electorate. Having been handed the White House and large majorities in both houses, along with the excuse of an unusually bad recession and related problems, they proceeded to enact a lengthy wish list of Democratic priorities paid for with borrowed money on an enormous scale. The result, as best I can judge from my very limited political expertise, was that they positioned themselves well to the left of the voters. That set up the current situation.

I will prudently refrain from predictions. It is possible that the Tea Party victories in the primaries will be repeated in the elections. It is also possible, as quite a lot of people have argued, that the Tea Party will turn out to be the best thing that ever happened to the Democratic Party, the one thing capable of saving them in the midterm elections.

We will have to wait and see.

Thursday, September 16, 2010

Or at least, if she is, she's my kind of nut

Cristine O'Donnell, seven years ago, giving a reasonably good short talk on the women in The Lord of the Rings. Along with her niece, who is the real enthusiast—but has some tendency to confuse the movie with the book.

A much more attractive picture than one gets from news stories on the campaign.

Wednesday, September 15, 2010

Again Arctic Ice

"Researchers say projections of summer ice disappearing entirely within the next few years increasingly look wrong.

At its smallest extent, on 10 September, 4.76 million sq km (1.84 million sq miles) of Arctic Ocean was covered with ice - more than in 2007 and 2008, but less than in every other year since 1979." (BBC news story)

Long term readers of this blog will remember my posts a while back on the subject of the area of arctic sea ice. A web page produced by NASA/JPL claimed that the latest data showed it continuing to decrease. The actual data, available on the web from the National Snow and Ice Data Center, showed that the decline had reversed, at least temporarily, about two years earlier. Commenters attempting to defend the NASA/JPL claim argued, in effect, that the reversal was only random variation, and the trend was still down.

That was somewhat over a year ago. As the quote above suggests, the evidence so far suggests that they were wrong. The minimum sea ice extent for this year is below last year's but above the figures for the two previous years. It is below the figure for still earlier years, due to the previous decline, but so far there seems no reason to believe that that decline has continued—which was the claim that I challenged.

And, if the BBC story is to be believed, researchers in the field have begun to adjust their predictions accordingly.

Is Christine O'Donnell a Nut?

Reading news stories, including a recent story by Michael Moynihan in Reason, the answer seems to be yes. Following up the detailed claims in those stories, it isn't so clear.

One of Moynihan's claims is that "O’Donnell lied about attending a Master’s degree program at Princeton University." That's a strong claim; the only support is a link to an article critical of O'Donnell by John McCormack in the Weekly Standard. He bases it on her claims in a lawsuit against her previous employer, the Intercollegiate Studies Institute, a conservative group. To his credit, he provides a link to the claims. I read it, partly out of curiosity about O'Donnell, partly because I had connections with ISI long ago, in its earlier incarnation as a libertarian organization called the Intercollegiate Society of Individualists.

As best I can tell, nowhere in her claims does she say that she attended a Master's degree program at Princeton. By her account, when ISI originally offered her a position in February of 2003, one of her reservations was that she had applied to Princeton's Master's degree program for the following fall. ISI assured her that she would be given enough time, up to one day a week, to attend classes—presumably she was applying to a part-time program—but then reneged on that agreement, with the result that she was forced to withdraw. A careless reader might take that as meaning that she took classes for a while and then had to cancel. But given that her employment started in March and she was planning to start taking classes the following fall, it looks more as though she applied, was accepted, but then withdrew when she discovered that she wasn't being given the necessary free time. She says that she got a full refund of her tuition, which would be a little surprising if she had actually attended classes for a while before withdrawing.

Getting curious, I followed up on some of the other evidence offered that she was a nut. One repeated claim was that she was, in Moynihan's words, "opposed to the sinister habit of masturbation," which makes it sound as though she had been campaigning against it. Another story describes her as the "masturbation hating candidate" and links to another informing us that "One of the most notable things on her political résumé is her well-publicized position against masturbation."

All of this seems, as far as I can tell, to be based on a single comment made in the course of an MTV program on sex in the nineties. O'Donnell asserted that the bible says that lust in your heart is to commit adultery, and that you cannot masturbate without lust—both, I think, correct statements. As best I can tell, that is the sole basis for the claims of "well publicized position" and "masturbation hating candidate."

I don't take the bible as a source of truth, but quite a lot of people do, and the fact that O'Donnell does, or at least did at one time, isn't evidence that she is a nut.

Another charge is that "she suggested that age-appropriate sex education, even for kindergarteners, could convince children that strangers with candy were "not so creepy." Following the link kindly provided by the Huffington Post, one finds a reasonable enough argument—that if small children are accustomed to discussing intimate matters with their teacher, they will be less likely to be frightened by a similar conversation from another adult. I'm not sure she is right, but the appearance of crazy views is coming from the way the view is described by her critic, not from what she actually said.

Reading O'Donnell's charges against ISI, I was struck by a point that none of the stories seems to have noticed. While she objects to quite a lot of things about their treatment of her, the central complaint is that they are, or at least wish to appear to be, Christian fundamentalists who believe that women ought always to be under the authority of men. She got fired, by her account, when she objected to being made the subordinate of a recent (male) hire who had been brought in as her assistant—a change made to make sure that she was under the "cover" of a male during a period when the vice-president she reported to was going to be absent.

Running through much of the criticism of O'Donnell is the implications that she is committed to fundamentalist Christianity. It is surely at least worth mentioning that a large part of the reason she sued her employer was, by her own account, the fact that they were.

Finally, it's worth noting that a good deal of the material used to make O'Donnell look nutty is coming from her activities in the nineties, when she was a twenty-something crusading for sexual purity. It would be interesting to see a similar selection for left of center candidates.

O'Donnell may really be a nut, of course. Sarah Palin was badly misrepresented by her critics during the campaign, but even without the misrepresentation her actual views do seem a bit odd.

Part of what first got me interested in O'Donnell was the dual issue she appears to raise for not only Tea Party supporters but libertarians as well—and, for that matter, for some on the left. The first half of the issue currently appears as the argument that the Tea Party is the best thing that could have happened to the Democratic party, since it is forcing on the Republicans candidates whose views are too far from the center to win—what my wife, remembering an earlier example, refers to as the McGovern effect.

The other half is the nature of the candidates. Tea Party candidates, or LP candidates, or Socialist candidates for that matter, are unlikely to have a background as high level elected officials or much experience in electoral politics. Their willingness to run in what everyone else sees as a hopeless cause may reflect either a wildly unrealistic view of the world—I still remember the people who, back in 1964, thought Goldwater would be elected by the "silent majority"—or blind fanaticism. They are, in other words, quite likely to be nuts. Which might create difficulties for electing them, and further difficulties if they do get elected.

Following up the charges against O'Donnell, I am struck by the other side of that story. Almost anybody can be made to look nutty by a suitable selection of past comments—consider that the current Vice President is a man who apparently believes that FDR was President at the time of the stock market crash and went on national TV to reassure people. Given a press sufficiently hostile to one candidate and friendly to another, it isn't that hard to create the illusion that the outsiders are all nut cases, their opponents all reasonable folk.