ObamaCare: Save $3,900 Next Year by Paying a $95 Fine

ObamaCare: Save $3,000 Next Year by Paying a $95 Fine

ObamaCare is such a great deal. Just this next year, if you don’t want to pay the average $3,900 for a health insurance plan, you can save money by paying a $95 fine instead! Three years from now, if someone still doesn’t have health insurance, they’ll owe the government a mere $695. That’s the individual mandate in a nutshell. And it brings up the question: how can a single person even take this pile of nonsense seriously?

At this point, anyone who would deny that ObamaCare is simply a more intricate form of corporate welfare for health insurance providers is fooling themselves. The idea of increasing health insurance coverage by forcing everyone to purchase a premium is absurd. It’s so absurd, in fact, that even President Obama himself decried it as a candidate in 2008, saying that “If a mandate was the solution, we can try that to solve homelessness by mandating everybody to buy a house.” His drastic change of opinion was probably rooted in something, of course. Obama, after all, received more donations from health care industry employees in the last election than even Mitt Romney did. Like any other pandering politician, he just needed to give back to his base. Nothing unexpected about that.

Around the same time that Obama was speaking in opposition to an individual mandate, Blue Cross Blue Shield was suggesting its own guaranteed way to cover more people who are still uninsured. What kind of revelation did they come up with? Encourage people to buy health insurance.

Well, if something as novel as that works, then why not just force people to buy insurance? The neo-conservative Heritage Foundation helped come up with the idea in the 1990s. Then there was RomneyCare. Now, ObamaCare is little more than the federal Leviathan following suit.

Nothing on earth is capable of holding back a monolithic government that sees itself as the ultimate authority. The Obama administration is just one example of the unrestrained State, which deifies itself and seems to think, in the words of Isaiah, that “as I have thought, so shall it come to pass; and as I have purposed, so shall it stand.” Government officials are so deluded as to believe that the choice between spending $3,900 next year on an ObamaCare-approved insurance premium or paying a $95 fine is a reasonable one. There’s no “affordability” in that scheme. In reality, it’s a matter of paying up versus paying up.

ObamaCare’s individual mandate, like its forebearers, is a compulsory purchasing system disguised as health coverage expansion. That’s all it is. It doesn’t “provide” health insurance for millions of uninsured people. Insurance companies have supported the law for a very specific reason. When Americans are forced next year to either purchase insurance or pay a fee, the only ones who will benefit from the setup are insurance companies. What’s better, of course, than a newly expanded base of consumers who are required under threat of government force to pay for something they previously hadn’t? It’s a legalized cartel.

Why didn’t some people buy health insurance in the past? Obama’s first incarnation can tell us: “The reason they don’t buy [insurance] is they don’t have the money.” On another occasion, Obama said that even Massachusetts still had “people who are paying fines and still can’t afford [health insurance], so now they’re worse off than they were … They don’t have health insurance, and they’re paying a fine.”

When ObamaCare exchanges open next week, each uninsured American can expect to pay an average of  $328 per month, minus some discounts that were made possible by taking tax dollars from other Americans. We all pay for the full premium price in one way or another. Ignoring that whole matter on Tuesday, the president assured Americans that if we “just look” for ourselves, we “will discover that this is a good deal” for everyone.

I encourage everyone to have a look. If they do, all that any American would find is that we have one of the most corporatist and heavily-subsidized health care systems in the world. Obama’s administration hopes for 7 million Americans, nearly 3 million of which are young and healthy, to become part of the ObamaCare program. Instead, I hope that all 7 million decide to save themselves the $3,900 or more next year by paying a $95 fine.

An op-ed by Chris Bacavis

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