Friday, August 31, 2012

Arizona Exchange

According to Americans For Prosperity, it looks like the uber-Conservative state of Arizona is gearing up to impose a Health Exchange. AFP is holding a debate on the exchanges  Sept 5, 2012 at the Goldwater Institute.

I really wish I could attend. This is the first public meeting that I've come across that questions the Health Exchanges.

PPACA (ObamaCare) is a network of health exchanges regulated at the Federal Level and implemented at the state level. Romney's promise to repeal ObamaCare will simply remove the Federal regulation, but will leave all the state run exchanges in place.

Romney will repeal the bill the created the exchanges, but leave the exchanges in place.

The end result of this political move is to capture the exchanges.

The Romney/Ryan administration will then seek to relabel the exchanges as the free market alternative to Obama's socialism.

The problem is that the Health Exchanges are not free market. The Health Exchanges in RomneyCare and ObamaCare create a captured market that centralizes health care and allows the ruling elite to skim billions off the system.

Wake up America. The fact that the uber-Conservative state of Arizona is following the path of RomneyCare should tell us that our nation is still headed in the wrong direction.

Both RomneyCare and ObamaCare are founded on the false assumption that insurance is the only possible way to fund health care. The goal of the Health Exchanges is to force everyone into highly centralized network of insurance options.

The best way to defeat this beast is to debate alternatives to insurance. I am still at the ready if there is any group brave enough to stand against the Democratic and Republican beast that has taken over our nation.

Thursday, August 30, 2012

Replace It With What?

I found Romney's speech (and the whole Republican National Conference for that matter) big on image, but short on substance.

I am not supporting Romney because I know that if we have just another power exchange with no substantive change in our economic theory, we will not be able to restore our nation.

The convention left us with a great image of how wonderful Romney is and how the world will end if Obama is re-elected. But there was no substance.

The closest hint of substance was a vague promise to repeal and replace ObamaCare.


The reason I am so completely dead set against Romney is that in four years of debate about health care, I have seen no substantive debate on free market health care reform.

I worked myself into abject poverty driving to Reno, Denver, Phoenix and Las Vegas to find a Conservative who would talk about substantive free market health care reform.

There may be substantive debate about Free Market Health Care reform that I don't know about. But it's not at the RNC.  The Utah Freedom Conference doesn't even have free market health care on the agenda.

In Utah, the Conservative Republicans shoved a state run health exchange down our throat and actively silenced all opposition.

For those who are wondering. PPACA (ObamaCare) is a network of health exchanges regulated at the federal level but run at the state level.

Since the Health Exchanges are run at the state level, we will find that even if Romney repeals the Federal Regulations we are stuck with the corrupt and captured health exchanges.

As long as the conservative establishment steadfastly refuses to discuss alternatives to health exchanges, American patriots need to stand against the exchanges.

The exchanges are corrupt. They will collapse into socialism. The only way to restore America is to have a viable alternative to exchanges. This cannot happen if conservatives are spineless drones that will not discuss alternatives.

Yes, I know I am a pariah. I don't give a crap about myself. All I want to see is someone where talk about alternatives to insurance. (NO, A Health Savings Account tacked onto a high deductible insurance policy is not a viable alternative to insurance. The HSA+HDHC policy is a formula for disaster … which I can easily prove.).

This blog (The Medical Savings and Loan) is simply an effort to start a discussion about free market health exchanges. The theme of the blog is that the problem in health care is that we use group funding for individual consumption and that the solution is to restore the concept of self-funded health care.

While I had such hopes that Republicans would start discussing free market reforms, I am disgusted after the substanceless Republican National Convention.

On the bright side, I am happy to see that the Republican Party is full of energetic speakers and enthusiasm.

This energy will wane if Romney wins the election, just as the energy for the left has evaporated.

Doesn't anyone remember how entrenched and disheartened the freedom movement was by the end of the Bush administration? This will happen if Romney wins.

However, if Libertarians split the vote and Obama gets a Lame Duck term, then both the Republican and Democratic Party will spend four years working on freedom agendas to recapture the independents.

I feel completely disheartened with the complete lack of substance of the Republican National Convention. It is funny how my mind always grasps at straws, but the freedom of America is hanging by a thread and we have to grasp at whatever we can as it collapses.

History has shown that the Right can be as great a threat to freedom as the Left. (The Hegelian Right came before the Hegelian Left).

Until Romney gives a clear idea on what he wants to replace ObamaCare with, liberty-loving voters should plan to vote third party.

Saturday, August 11, 2012

Reforming Medicare

I applaud the nomination of Paul Ryan. He is one of the few major political candidates who is willing to take on the tough issues that face our nation. Mr. Ryan is likely to receive a great deal of criticism for his efforts to reform Medicare.

Unfortunately, there is merit to the attacks against Ryan for this effort. If Mr. Ryan cuts Medicare spending without corresponding financial reforms, then we will produce the feared result of creating a society that fails to care for its seniors.

The problem with health care can be summed up in one word::


Before we can reform Medicare, we simply must create a free market alternative to employer based insurance.

Employer based insurance creates an ugly paradigm in which people receive care from their employer.

The moment a person retires, the care is gone.

This problem is inherent with group funding of individual consumption. When people move between groups, the change disrupts health care.

The solution is to create a system of individual funding of individual consumption.

I have a presentation called "The Medical Savings and Loan" in which I demonstrate that we would get optimal results in health care if we restored the concept of self funded health care. I would be happy to travel  to any group in the mountain west that is willing to discuss free market health care reform. Here is my contact form: