Why ObamaCare Cannot Succeed

Dr. Alieta Eck

Dr. Alieta Eck

By Dr. Aleita Eck, MD

Question: If a $600/month   insurance policy only costs the individual $33, what does it REALLY   cost?

Answer: $600, with $567 less in purchasing power for the hard-working taxpayer who is subsidizing it.

Smoke and mirrors make for bad   policy. When we buy any type of insurance, we weigh the benefits of the policy   against the loss of the money we must put out to purchase the policy. When we ask the taxpayers to subsidize our policy, all such reasoning   disappears.

Most of us have limited funds, so we must choose carefully. Wise people insure against major loss, such as our house burning down. Most of us believe that paying $1,000 per year is reasonable, as the cost to rebuild a house is hundreds of thousands of   dollars. Insurance gives us peace of mind, even though the chance of our house burning down is statistically very low.

For many reasons, we have allowed health insurance to defy all the principles of insurance. There is something emotional about health insurance. Maybe it is because we fear death and want to be sure it does not happen to us any time soon. Maybe it is watching others suffer from illness and want insurance to assure that they get well, do not suffer, and have all their bills paid.

We have actually been duped into thinking that someone else ought to pay for all the health care we need.   Politicians gain support and votes when they assure the masses that they care   about their health. And insurance companies are more than happy to offer generous policies since commissions and CEO compensation are a percentage of the premiums.

Never mind the premiums approach the price of a home mortgage– we want the best, especially if we can convince others or the government to pay for it.  The problem lies with the fact that with health insurance we are covering something where no actuary can assess the real risk. New medical breakthroughs are constantly being added to items that are covered, and insurance companies are happy to comply as long as they can jack up the premiums.

Insurance, by its very nature, invites overuse, especially if the deductible is low. There is a sense that we can “get our money’s worth” if we access more services.

But there comes a tipping point, when employers and citizens just say “no.” Premiums cannot rise further. The health insurers figure out ways to minimize their losses, so they tie the patient or physician up in bureaucratic knots, pre-authorization paperwork and hour-long phone calls that wind up causing everyone to throw up their hands in frustration and despair.

One example is getting pre-authorization for an MRI. Several phone calls establish the date of the injury, the attempts at medical or physical therapy treatments, the time elapsed, the symptoms and physical findings. If the physician’s office can make the case, the insurance company approves and the patient is happy. But the costs incurred by the physician and the insurance company serve to ultimately increase the cost of the monthly premium.

When all is said and done, it would have been far less costly for the physician to explain to the patient the value of the MRI, what we can hope to learn, and let him decide to use his own funds or medical savings account to pay for it.

So why will ObamaCare fail? By promising to cover everything, the premiums will be unaffordable–whether paid by the patient, his employer or the taxpayer subsidies. People will quickly learn that earning more at work will cause the subsidies to disappear, and thus incentives to advance in their jobs and careers will be stifled.   Employers will learn that they can avoid paying for insurance or paying fines if they keep their employees at part-time. Lower yearly income will require more taxpayer subsidies. Fewer people working and higher taxes spell economic disaster.

ObamaCare is a $1.7 trillion experiment in the ultimate Big Government program. It is sheer hubris to expect it to save money or increase access to care, and many will be hurt in the process of showing that it can’t.


Alieta   Eck, MD, graduated from the Rutgers   College of Pharmacy in NJ and the St. Louis School of Medicine in St. Louis,   MO. She studied Internal Medicine at Robert Wood Johnson University   Hospital in New Brunswick, NJ and has been in private practice with her   husband, Dr. John Eck, MD in Piscataway, NJ since 1988. She has been involved   in health care reform since residency and is convinced that the government is   a poor provider of medical care.  In 2003, she and her husband founded   the Zarephath Health Center, a free clinic for the poor and uninsured that   currently cares for 300-400 patients per month utilizing the donated services   of volunteer physicians and nurses. She testified before the Joint   Economic Committee of the US Congress in 2004 about better ways to deliver   health care in the United States, and at a US Senate hearing in 2011 where she   discussed ways to keep patients with non-urgent conditions from overusing the   emergency room. Dr. Eck is a long time member of the Christian Medical   Dental Association. In 2009 she joined the board of the AAPS, serving as its   President in 2012. In addition, she serves on the board of Christian Care   Medi-Share, a faith based medical cost sharing Ministry. She and her husband   have five children, one a resident in ophthalmology in St. Louis.  Dr.   Eck ran in the Special Republican Primary for the US Senate from New Jersey in   August, 2013, garnering 27,000 votes in a 2 month campaign. She is   contemplating a second run in 2014.

Posted: September 16th, 2013 | Author: | Filed under: Alieta Eck, Obama, ObamaCare | Tags: , , | 11 Comments »

11 Comments on “Why ObamaCare Cannot Succeed”

  1. bill said at 3:05 pm on September 16th, 2013:

    When is she going to take down her signs?

  2. @bill said at 4:21 pm on September 16th, 2013:

    When is Frank Pallone going to take down his signs? You know full well candidates on BOTH sides of the aisle never really pick up all of their signs.

    You are SUCH a hypocrite.



    BTW Mr. bill Brown, failed Assembly candidate, is it true you falsified information on your civil service application?

    Now, shut your yap and go back down into the hole I chased you into over at politicker

    Jim Granelli

  3. @bill 2 said at 4:31 pm on September 16th, 2013:

    Come to think of it, I was there when Christie called you an idiot. You REALLY deserved it.

    Is that why you hate Christie, because someone finally put you in your place?

    Jim Granelli

  4. She is right said at 4:33 pm on September 16th, 2013:

    on Obamacare, just was too new and not versed enough in other issues for this run.. We will leave it up to the road crews to take most of the signs down, as usual, most likely the union guys Frank hires to put them up,aren’t paid to go and get them, especially since he finally lost something..

  5. bill said at 4:36 pm on September 16th, 2013:

    Hey jim You don’t know what the hell you are talking about.You fool

  6. Hey bill said at 4:51 pm on September 16th, 2013:

    How about answering a question for once instead of sidestepping them all?

    Is it true you falsified information on your civil service application, and if not; why are there so many rumors about it? What is the root of the story?

    And, answer THIS question, when your you going to attack Frank Pallone for leaving up his signs? I see dozens upon dozens.

    If not, that proves you are a hypocrite. Or, is it “do as I say, not as I do” for you?

  7. bill said at 5:01 pm on September 16th, 2013:

    What civil service application? You are a fool who has no idea what you are talking about

  8. Well Then bill said at 6:22 pm on September 16th, 2013:

    a) Are you not Bill Brown, failed assembly candidate? If not, then go back to question #2…

    b) When are you going to attack Frank Pallone for not taking down his signs.

  9. bill said at 6:29 pm on September 16th, 2013:

    I do not see Pallone signs just hers.

  10. Well bill said at 7:17 pm on September 16th, 2013:

    Where’s “here” bill?

    Because there’s hundreds of them around here in Monmouth County, so please call Frank Pallone and complain to him before you complain about anyone else

  11. Call the unions said at 7:43 pm on September 16th, 2013:

    – it’s actually kind of fun to follow their vans while they put up Frankie’s signs,each time: they look rather furtive and thuggish ,at times-and the pattern is over 20 yrs. old- they never clean up after themselves.. The state and county road crews throw them on the trash piles.. Such fine environmentalists, those Frank- ites!! Typical lib hypocrites!!