Saturday, October 29, 2011

Ohio Nov 8th, 2011 Voting Guide, Part 2 of 2

“To preserve the freedom of Ohioans to choose their health care and health care coverage”

You've likely seen the flyers for and against Issue 3, both of which outright lie. Here's the truth:

Approving this Amendment doesn't strike down Obamacare.

Approving this Amendment will raise your health care premiums more by saying Ohio can ignore a provision of the Affordable Care Act (“Obamacare” to some). This provision is the primary piece of the health care reform meant to reduce the cost of health care. Most of the laws of the Affordable Care Act (ACA) don't take affect until 2014, such as this one. Issue 3 tries to prevent implementation of one cost-saving aspect of the ACA while not bothering with the aspects that increase costs.

I'll repeat, voting “Yes” will raise your premiums more.

The nitty and gritty of Issue 3 is all about the health care reform. A provision of the ACA says that everyone who can afford health insurance must buy private insurance of their choice (like normal). Subsidies will be given to the poor to assist in buying insurance, and those who still can't afford it are exempt or eligible for medicaid. (Similar basic rules also apply to businesses who provide health insurance). Those who don't buy health insurance and aren't exempt must pay an additional tax on their tax return. I call this the Freeloader Tax. Hospitals must provide people emergency medical care. Those who cannot pay cost hospitals money so they raise their prices. This makes health insurance cost more, and that cost is passed onto you via your premiums. All of us who bother to pay for health insurance end up paying for the freeloaders who could pay but don't.

Last year, Blue Cross Blue Shield of California was going to raise insurance premiums by 40%. The reason? Young people who weren't currently sick were dropping health insurance. The insurer abandoned this plan because of the public backlash.

The title of the issue and wording on the ballot of it is even misleading. It claims it is the freedom to choose your insurance. It only preserves the freedom to not buy health insurance. However, even the ACA doesn't require you buy to health insurance. It just adds a Freeloader Tax. That is, a tax on those who want free health care at my expense despite being able to afford it.

Additionally, state law doesn't supersede federal law so this amendment is unenforceable. Attempts to enforce it will lead to a costly legal battle the state will lose. If SB5 is not repealed, the legal battle can be paid for by laying off teachers, firefighters, and police. So while the freeloaders are happy not having health insurance, they'll be surprised to see they still have to pay it on their tax returns. Meanwhile, health insurers will be raising our premiums more, and Ohio will be fighting a losing legal battle.


Vote “No” on Issue 3.

What is the good of Issue 3? There is no good. Whether or not you strongly support or oppose the ACA, Issue 3 is a bad idea with strong negative consequences.


"Why such high fees, such as $200 for a tetanus shot that you can get at Walgreens for less than $50? He says paying E.R. customers have to help foot the bills for patients who cant pay." This is just an example of why, agree with it or not, the "buy insurance or pay a freeloader tax" aspect of the health care reform bill will help to lower premiums.
Article at

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