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Here we are vacationing for the holidays with family and friends. Checking the email, and among all of the last minute prompts from retailers there is a call for healthcare insurance from President Obama.

Hey all of you last minute shoppers, don’t forget the blue light special at healthcare.gov where you can sign up for your much needed healthcare insurance. You see, if you don’t sign up, sooner than later the government police will be dinging you with a mandate penalty. If you don’t sign up, you will be penalized. If you don’t pay it, you will be breaking the law like an illegal alien.

Look what happens to them. They work in America and pay taxes, but they can’ vote and are ineligible for benefits. But, when they get sick, they go to the emergency room with all of the other people who don’t have healthcare insurance. They are treated, eventually, after being triaged.

That may happen with a charge or without charge. For whatever the hospital suffers as a revenue shortfall, they just bundle that into their cost of doing business and pass it on to all of those who can pay. That is old fashioned free enterprise.

Now, with a half baked Affordable Care Law in and out of the oven, so to speak, the chances are that the cost savings expected from the law will be in three optional outcomes:

  1. Overall, healthcare costs more
  2. Overall, healthcare costs less
  3. Overall, there is no net change

Indications are that healthcare costs are lowering as a result, but that may be a temporary fluke because the true cost and benefit analysis cannot be gauged until the actuals come in over a couple of years running.

Now, the only way that the law can be evaluated with a degree of scientific certainty is when the system is operating as intended with a degree of stability. That isn’t likely to happen until the end of the Obama administration. Therefore, by the time America gets a new President in 2016, a more accurate assessment of Obamacare can be made.

Here is speculating that in the end, it will have worked to produce cost savings. There healthcare industry will appreciate its stabilizing effect. Citizen consumers will begin to grumble as the changes from free-market to socialized health care administration kicks in. There will likely be issues about people waiting in line for needed treatment as the system rations services.

“Good afternoon --

The Affordable Care Act has been in the news a lot recently -- and increasingly for the right reasons.
The law is working: More than half a million Americans have enrolled through HealthCare.gov in the first three weeks of December alone -- and 800,000 more are on track to get Medicaid through their states. These are people for whom health insurance might not have previously been an option -- people who in the past might have been discriminated against for simple medical conditions like asthma, or who may have been dropped from their coverage just because they got sick.

Now, thousands of Americans are signing up for coverage every day. That matters. It means financial security for families all across the country. It means freedom from the fear that one illness or accident might cost you everything you've worked so hard to build.”

The White House

Yada, yada, yada, and happy holidays to you too.

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