Tag Archives: Health Insurance

Life Insurance Unchanged By COVID?

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Bob Burnett explains how life insurance rates are telling a very different story about the COVID mortality rate compared to the media.


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Obamacare Has Raised Healthcare Premiums by Up To 78 Percent

On Tuesday, a study revealed that under the Affordable Care Act, rather than decreasing the cost of healthcare, some groups have experienced raises by as much as 78% in insurance premiums.

The study, conducted by HealthPocket, a nonpartisan health insurance research company, compared the average healthcare premiums before Obamacare was enacted in 2013, to the current average premiums in 2014.

According to the Washington Times, the study 23-year-olds experiences the greatest increase in insurance premiums, with men “seeing an average 78.2 percent price increase before factoring in government subsidies, and women having their premiums rise 44.9 percent.”

The study also found that 30-year-olds experienced a dramatic increase, with men paying 73.4 percent more, and women paying 35.1 percent more.

The head of research and data at HealthPocket, Kev Coleman, said that the study was “very eye-opening in terms of the transformation occurring within the individual health insurance market.

I was surprised in general to see the differences in terms of the average premiums in the pre-reform and post-reform markets,” said Coleman. “It was a higher amount than I had anticipated.”

The Daily Caller reported that the major increase in insurance premiums for men can be explained by the fact that “Obamacare bans insurers from charging women more,” and by the fact that insurers are required to cover a plethora of services, even if the customers don’t want them, such as “maternity and newborn coverage,” for both men and women.

According to the Washington Times, the major increases among younger insurance buyers “could be a problem for Obamacare’s long-term solvency given that young people are needed to offset the higher costs associated with older policyholders.”



By Kent Masterson Brown

Section 4101 of Obamacare establishes a program to institute and underwrite school-based health centers in all the public schools as a means of controlling the delivery of health care to children; it mimics a grant program established by the liberal Robert Wood Johnson Foundation called “Making the Grade.”  Congress appropriated to the Secretary of Health and Human Services $50 Million for each year through 2013 to award to applicants who will provide “comprehensive primary health services” in school-based health centers.

A school-based health center is defined in Obamacare as a health center that:

provides, at a minimum, comprehensive primary health services during school hours to children and adolescents by health professionals in accordance with established standards, community practice, reporting laws and other State laws, including parental consent and notification laws that are not inconsistent with Federal law.

Those “comprehensive primary health services” include:

Comprehensive health assessments, diagnosis, and treatment of minor, acute and chronic medical conditions, and referrals to, and follow-up for, specialty care and oral health services.

Mental health and substance use disorder assessments, crisis intervention, counseling, treatment and referral to a continuum of services, including emergency psychiatric care, community support programs, inpatient care and outpatient programs.

In conjunction with Section 4101 of Obamacare, one must read Section 2953.  That Section is entitled “Personal Responsibility Education.”  It provides for the Secretary of Health and Human Services (“Secretary”) to allot to each State funds of no less than $250 Thousand for the development of a State plan to achieve “State-established goals for reducing the pregnancy rates and birth rates for such youth populations.”  That is the real thrust of the school-based health center program.  Each State is to provide the Secretary with its plan to achieve its goals.  If a State does not submit an application for its allotment, the Secretary will prepare and implement a federal plan.

Although the grant applicants for school-based health centers are prohibited from “performing abortions,” that does not exclude the counseling for same, as well as referring children to those who do.  It does not exclude the counseling for and providing of contraceptives.  It should not come as a surprise that one of the recipients of a school-based health center grant in Los Angeles, California is none other than Planned Parenthood.  In fact, the Los Angeles Unified School District entered into a collaborative agreement with Planned Parenthood “to reduce the number of unplanned pregnancies among teenagers at the Boyle Heights High School” as a part of its school-based health centers grant.  As with twenty States, California does not require any parental involvement when it comes to an abortion.

The “education programs” to be implemented in the schools must be designed to “educate adolescents” on “both abstinence and contraception.”  The information and activities must be provided “in the cultural context that is most appropriate for individuals in the particular population group to which they are directed.”  There are even “adulthood preparation subjects” in Obamacare that provide “information and activities” on “healthy relationships, such as positive self-esteem and relationship dynamics, friendships, dating, romantic involvement, marriage and family interactions.”  Those include educating adults on adolescent development….body image, racial and ethnic diversity, financial literacy and “parent-child communication.”  Congress appropriated $75 Million to the Secretary to implement the “Personal Responsibility Education” program each year from 2010 to 2014.  The National Sexuality Education Standards: Core Content and Skills, K-12, has already been prepared and is being implemented in the schools by federal regulation.  Those standards are stunning.  It has been reported that the King County, Washington Public Schools were instructed by the State, pursuant to Section 2953 of Obamacare, to use the State-approved curriculum where fifth grade children are taught how to have oral and anal sex.

Obamacare directs school-based health centers to provide and prescribe a host of pharmaceuticals, including anti-depressants.  It even allows those health centers to refer children and adolescents to psychiatric care.  School teachers will be able to make referrals to the school-based health center for interventions for almost anything and everything, without the parents ever being notified, much less consulted.  Although the statute gives lip service to parental consent and notification laws, experience has taught us how little effect they have when confronted with a federally-financed institution determining a course of treatment.  Sections 4101 and 2953 of Obamacare are among the most dangerous provisions in the act.  They will drive a wedge between parents and children, taking from the family unit the decision-making about the children’s physical, mental and emotional health.  They literally encourage promiscuity, and the emotional disorders such creates, and they will only increase the number of school-age children who contract sexually-transmitted diseases, and other serious medical conditions.

The Centers for Disease Control and Prevention (“CDCP”) recently announced grants for the implementation of these provisions of Obamacare.  The purpose of the grants are, in the words of the CDCP, “to demonstrate the effectiveness of innovative, multi-component, community-wide initiatives in reducing rates of teen pregnancy and births in communities with the highest rates, with a focus on reaching African-American and Latino/Hispanic youth aged 15-19 years.”  To that end, the CDCP awarded grants to eight “State and Community-based Partners.”  A random examination of the State and Community-based Partners reveals they are little more than contraceptive-giving entities that routinely refer pregnancies to Planned Parenthood and similar organizations that are listed by them as “clinical service providers.”  These community-wide programs are administered, in large measure, through the schools.  Thus, a federal regulatory agency has now made African-Americans and Latino/Hispanic youth, 15 to 19 years of age, their targets for contraception and abortions.

One of the grant recipients, the New York City Department of Health and Mental Hygiene (“NYCDHMH”), has stated on its website that Planned Parenthood of New York City offers “free and low-cost clinics regardless of immigration status.”  School-based health centers in New York City already tell a horrifying tale.  About forty separate school-based health centers doled out 12,721 doses of the “morning after” pill known as “Plan B” in 2011-2012, up from 10,720 in 2010-2011,” wrote Susan Edelman for the New York Post.  Some 22,400 students sought reproductive care over the past three years.  Besides “emergency contraception,” the Post reported “about 40 school based clinics in New York have dispensed prescriptions for birth control pills, intrauterine devices (IUDs), hormone-delivering injections and Patch and NuvaRing – covering a total of 83,569 monthly cycles through June 2012…”  Handouts of birth control packets reached 10,462 last year.  Depo-Provera injections rose to 2,117.  Staffers also placed plastic IUDs where they could remain for years.  How many referrals to abortion clinics have been made is unknown.  The NYCDHMH has reported that in 2012 alone, 31,328 African-American women in New York City aborted their pregnancies while 22,917 Hispanic women in that city did likewise.

One of the CDCP’s national partners, “Advocates for Youth,” claims on its website that its “partners” include Planned Parenthood, and that it has implemented such programs as the “Anti-Homophobia/Transphobia Project” in three cities and the “National Emergency Contraception Initiative “in three more cities.”

Section 2953 of Obamacare explains what the school-based health centers established by Section 4101 are all about.  They are sex education, pregnancy and abortion counseling centers.  They provide contraceptives to anyone who wants them without the parents ever knowing or being consulted.  They counsel and refer girls to abortion clinics.  The goal is to “reduce pregnancy and birth rates!”  This is the real thrust of Obamacare’s intervention into child and adolescent health.  But more than that, Obamacare empowers the teachers and school-based health centers to counsel children and adolescents on “friendships,” “dating,” “romantic involvement,” “marriage” and even “family interactions,” and to counsel children and adolescents on “anti-homophobia/anti-transphobia,” among other things.  What if parents actively discussed with their children why they vote Republican?  Would that trigger counseling?  Why not!

This is what Obamacare is doing to our children!



Kent Masterson Brown has practiced law for nearly 40 years from offices in Lexington, Kentucky and Washington, DC.  Emphasizing the practice of Constitutional and administrative law, Mr. Brown has prosecuted some of the notable cases challenging Federal and State government abuse of power, including the successful challenge to open up the meetings and records of Hillary Rodham Clinton’s Health Care Task Force in 1993-1994, leading to the defeat of the Clinton Health Security Act of 1993.



By: Kent Masterson Brown

Although the American public has been and is being bombarded with continuous news coverage of the disastrous rollout of the Obamacare Health Insurance Exchanges – and the corresponding escalation of costs of health insurance, even for those obtaining subsidies – there are many other aspects of the 2,700 page Obamacare bill and its 20,000 pages of regulations that remain completely “under the radar.” Among those provisions that have not generated any news are those that mandate the transformation of our communities, and interfere with our lifestyles and home and work environments.

No provision more represents the intention of Obamacare to completely take over our way of life more than Section 4201, entitled “Community Transformation Grants.”1 should alarm everyone. Under the provision, the Federal government, acting through the Director of the Centers for Disease Control, will “award grants to State and local governmental agencies and community-based organizations for the implementation, evaluation, and dissemination of evidence-based, community, preventive health activities in order to reduce chronic disease rates, prevent the development of secondary conditions, address health disparities, and develop a stronger evidence base of effective prevention programming.” The grants will be used to create “healthier school environments, including increasing healthy food options, physical activity opportunities, and promotion of healthy lifestyles, emotional wellness, prevention curricula, and activities to prevent chronic diseases.”

The Section further provides that, outside of schools, the grants will be used to create “the infrastructure to support active living and access to nutritious foods in a safe environment.” They will be used to develop and promote “programs targeting a variety of age levels to increase access to nutrition, physical activity and smoking cessation, improve social and emotional wellness, enhance safety in a community, or address any other chronic disease priority identified by the entity receiving a grant.”

The provision also demands that the grantee assess and implement “worksite wellness programming and incentives,” “highlight healthy options at restaurants and other food venues,” and implement “strategies to reduce racial and ethnic disparities, including social, economic, and geographic determinants of health.” Simply speaking, the grants will be used to “transform communities” into what the Federal government prescribes. Rest assured, it will be a freedom-restricting nightmare of “dos” and “don’ts” and behavior modification rules, implemented by unelected, Federally-financed community planners.

What is so curious – and absurd – is that Obamacare’s mandate of “community rating” and guaranteed health insurance destroys any incentive for anyone to take care of himself/herself because their health insurance premiums will no longer be predicated upon their good health and well-being; he/she must pay the rate of those with the poorest health and habits. Now Obamacare will expend billions of tax dollars in an effort to “force” individuals to eat right, exercise and have healthy habits.

Has there ever been a more incredible leap in Federal power? Obamacare places the Federal government in the position of determining who gets health care and who does not. Health care will be offered to certain groups so as to “reduce racial and ethnic disparities.” That means the government will choose who gets health care and who does not. It seeks to control what restaurants serve and what any food service may provide. It will even make it difficult for groceries to offer certain foods. It will direct how we work and where.

Defenders of Obamacare will claim that Section 4201 only provides grants, and there is nothing mandatory about it. States and “community organizations,” like ACORN, it must be understood, routinely take those grants and perform the requirements. They will do so here; this provision represents the sum of everything the Left has agitated for over the last 60 years. These Obamacare grants are meant to be given to organizations like ACORN, the SEIU and other leftist entities. Once the “evidence-based community evaluations” are complete, the provision calls for their “implementation” by not just the Federal and State governments but by these community

In this age where the Federal government acts as though it has no Constitutional or the legal boundaries, Section 4201 poses a significant threat to every citizens’ personal freedoms, home life and work, as well as privacy.

Kent Masterson Brown has practiced law for nearly 40 years from offices in Lexington, Kentucky and Washington, DC. Emphasizing the practice of Constitutional and administrative law, Mr. Brown has prosecuted some of the notable cases challenging Federal and State government abuse of power, including the successful challenge to open up the meetings and records of Hillary Rodham Clinton’s Health Care Task Force in 1993-1994, leading to the defeat of the Clinton Health Security Act of 1993.

Is Your Health Insurance Going Up? Readers Respond

Is your health insurance rate going through the roof?

President Obama told the American public that the Affordable Care Act would save them approximately $2,500 in insurance premiums. But, many Americans are finding that not to be the case. They’re finding that their rates are going up and up.

We asked readers to share their stories. Here are some of those disenfranchised stories from our readers at Benswann.com:

“In New Hampshire 12 of the 26 hospitals will not take anyone with ACA insurance. My hospital is one that will not take ACA insurance, which means if I buy into the market place I will lose both my doctor and my hospital of choice.” (see article Telegraph)


“Obamacare is going to kill entrepreneurs like myself and put many small business owners on the streets. My family and I had our own plan independent of my employer from Humana.  It was a high-deductible plan where only regular check-ups were covered.  Everything else required to be paid out of pocket up to $10,400 annually.  It cost us $256 a month. Humana has informed us that this plan is no longer eligible under the Affordable Care Act.  Instead of going to Healthcare.gov, I went to eHealthInsurance and looked up plans available there.  Humana now offers another plan, which costs about $444 a month.  It is similar to the high-deductible plan I had with them with a little extra coverage. Oh, and the annual out of pocket limit is around $12,000 now. So my only option is to go with a plan that is worse for both me and my family or pay a fine.  Many friends on Facebook can’t believe this is happening when I announced it to them.  They seem to believe that Obamacare is not responsible for me losing my health insurance and having to spend more money for it.”


“My husband and I are the parents of 6 children.  We have been insured through Blue Cross Blue Shield of NC on a catastrophic plan with a premium of $256 per month.  We just received our premium increase.  Our new premium is now $1,170 per month!  That is for the Bronze plan, with a $5,000 deductible per person or $11,000 for the family.  I have been trying for days to finish finding what it will really cost me through the health.gov website.  It took hours to fill out the application when I finally got through to the site, and then I could not finish the process and have tried since last Friday to get through to find what this will really cost us.  Still no luck.  Depressing, to say the least.  Even if I don’t have to pay the full amount because of my income, I despise the thought of someone else covering that on my behalf.  It is SOOO immoral!”


“I just got word from Kaiser Permanente that my premium is going up 77.2%.  This is a plan that I purchase entirely on my own without any assistance.  The monthly fee increase is $108.83.  I haven’t looked at the coverage to see if I’m better or worse.”


“With so many people’s premiums and deductibles going up, I find it hard to believe that the ACA is nothing more than a bailout for the insurance companies and a transfer of wealth from the working middle class, entrepreneurs, and small business to the mega insurance corporations.”

Last week we posted a poll entitled What Is Obamacare Costing You? Below are the results.*





*This is not a scientific poll. The results are based on the respondents that required an email address and was IP specific. Thanks for those who participated.