Obama’s Birth Control Mandate… or Why Car Insurance Companies Don’t Cover Oil Changes

Obama’s recent birth control/abortion mandate, and his subsequent “accommodation” to those who object to having their First Amendment religious freedom intruded on, are really nothing more than a shallow campaign stunt aimed at placating the pro-abortion Left for failing to deliver on his promise of so-called “universal” government health care.  (Of course that’s hardly the only promise Obama has failed to deliver on since he took office three years ago.)   The point is to “buy” the votes, and the enthusiasm, of liberals by trumping Americans’ growing distaste for abortion with a federal mandate.  But as John Cochrane, professor of finance at the University of Chicago, Booth School of Business, explains using insurance to cover small, day-to-day expenses. such as oil changes, toothpaste, or contraceptives, is counter-productive to the fundamental definition of insurance and ultimately makes those expenses and the insurance itself far more expensive and far less competitive.

Why should the Department of Health and Human Services (HHS) decree that any of us must pay for “insurance” that covers contraceptives?

I put “insurance” in quotes for a reason. Insurance is supposed to mean a contract, by which a company pays for large, unanticipated expenses in return for a premium: expenses like your house burning down, your car getting stolen or a big medical bill. Insurance is a bad idea for small, regular and predictable expenses. There are good reasons that your car insurance company doesn’t add $100 per year to your premium and then cover oil changes, and that your health insurance doesn’t charge $50 more per year and cover toothpaste. You’d have to fill out mountains of paperwork, the oil-change and toothpaste markets would become much less competitive, and you’d end up spending more.

How did we get to this point? It all leads back to the elephant in the room: the tax deductibility of employer-provided group insurance. If your employer pays you $100 less in salary and buys $100 of group insurance for you, you don’t pay taxes on that amount. Hence, the more insurance costs and covers, the less in taxes you seem to pay. (Even that savings is an illusion: The government still needs money and raises overall tax rates to make up the difference.)

In other words, Obama’s birth control/abortion mandate is just one more round of the shell game played by liberal Washington politicians using the tax code to buy our votes with our own money… while making things far more complicated and far more expensive in the process.

It’s not about “access” and it’s not about “insurance.” It’s because Americans, when paying even modest copayments, choose to spend their money on other things. They prefer a new iPod to a “wellness visit” to the doctor.  As the HHS unwittingly admits: “Often because of cost, Americans used preventive services at about half the recommended rate.”

Remember, we’re supposed to be worrying about skyrocketing health-care expenses. Doubling the number of wellness visits and free pills sounds great, but who’s going to pay for it? There is a liberal dream that by mandating coverage the government can make something free…

Here’s a good mandate: Let’s mandate that every time a government official says that the government is going to “help” some category of voter, he or she has to say who they are going to hurt in the same sentence. Because it has to be someone.

Hmmm… echos of Colonel West’s CPAC speech Apparently, its not the liberal politicians who know what they’re talking about.

And as for the issue of religious freedom,  Professor Cochrane nails that one as well,

By focusing on an exemption for church-related institutions, critics effectively admit that it is right for the rest of us to be subjected to this sort of mandate. They accept the horribly misnamed Patient Protection and Affordable Care Act, and they resign themselves to chipping away at its edges. No, we should throw it out, and fix the terrible distortions in the health-insurance and health-care markets.

Sure, churches should be exempt. We should all be exempt.

SMACK!!! Read the whole thing!

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  • http://nofreelunch.areavoices.com/ Kevin Flanagan

    If you can’t afford to pay for birth control, you can’t afford sex.

  • Reverendyo

    I believe Obama has delivered on everything he meant to do so far.  

  • Geoff

    Yes, simply put. Insurance is all about risk management, unless subsidized by the federal government much like federal crop insurance. The more government intervention, the more it will cost. My favorite tea party sign: ” if you think healthcare is expensive now, just wait till its free”.

  • Paul Overby

    Thank you — my thoughts exactly!  Why is 100% of contraceptive cost covered by/for anyone?

    • ellinas1

      Because it is in the best interest of the nation that our men and women get adequate sex. Sex keeps “coupled” couples together, helps keep divorce rates down, thus more intact traditional families.
      Only talibanesque Christians would argue against good sex that is designed for fun and not procreation.  

      • 2hotel9

         And more lies and sh*t spew from ec*nt.

        • Bat One

          He thinks he’s being clever.  And as with H, it saves him the embarrassment of trying to address the issues raised by Professor Cochrane.

          Apparently, liberals can’t have “good sex” unless the federal government gives it’s approval.

          • Jfisher17

            Glad you’re back!

          • two_amber_lamps

             Lol….  but of course!  Matter of fact Ellinasty is all for making sex another in the long list of government-doled entitlements.

            After all that would probably be his last best hope….

          • ellinas1

            The issue is very simple. Contraception is viewed as a necessity and is part of the overall well being of the female.
            By avoiding unwanted pregnancies, life is less stress full for couples who can couple worry free. On the plus side less abortions.
            But y’all want to defer the reproductive issue to old men who covered for child molesters, and have no concept of family.
            Apparently conservatives like to have the approval of priests and preachers prior to copulation.
            So go ahead. Call Pat Robertson and ask for his permission to  fuck.

          • two_amber_lamps

             Better yet ol’ boy how about forcibly Norplant all women until they get a license from the state to procreate? 

            Free love baby!  No responsibility…  and leftist utopia for all! 

            All you have to do is beg Comrade Obama for the right to have a child! 

            Oh, life shall be so much better in your grand statist world of “Next Tuesday!”

          • ellinas1

            Projection is your game dingleberry.
            I said what I meant, and I meant what I said.

          • 2hotel9

             No, you simply spewed lies and sh*t as you always do, baby killer.

          • ellinas1

            LOL! The hissing cockroach has emerged from the wainscoting.
            Not just LOL at her morose stupidity, but LMFAO.

          • 2hotel9

             Yes, you have, and yes, we do. Now, give further proof that you have lost this thread. Post another comment. I order you to.

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.
            Keep answering and make a fool of yourself.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt  

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.
            Keep answering and make a fool of yourself.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • ellinas1

            Bwahahahah!

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.Keep answering and make a fool of yourself.         

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • ellinas1

            Bwahahah! I am not just LOL at your morose stupidity, but LMFAO.Keep answering and make a fool of yourself.         

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • ellinas1

            Ahhh, shut up you stupid nut.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • ellinas1

            LOL! What a moron and idiot you are.
            LMFAO

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt

          • 2hotel9

             And even more lies and sh*t spew from ec*nt. You are just another baby killer screeching for justification, stupid c*nt.

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.
            Keep answering and make a fool of yourself.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

          • 2hotel9

             It is all she has ever done or had, Bravo1.Same as all leftards, they don’t give a sh*t about healthcare, it is all about forcing tax payers to pay for abortions, nothing more.

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.
            Keep answering and make a fool of yourself.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt

          • ellinas1

            Bwahahah! Hahahah!  
            I am not just LOL at your morose stupidity, but LMFAO.Keep answering and make a fool of yourself.         

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt 

        • ellinas1

          LOL. The hissing cockroach emerged from the wainscoting.

          • 2hotel9

             Lies, sh*t and killing babies. All you ever have, stupid c*nt. Now, tell us again how the world will be saved once all those dirty Jews you hate are killed. Go ahead, ec*nt, prove you have lost again. Post another comment. I order you to.

          • ellinas1

            I am not just LOL at your morose stupidity, but LMFAO.
            Keep answering and make a fool of yourself.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt

      • mickey_moussaoui

        You treat your wife like a whore if that is all she is to you.

        • 2hotel9

           No, that is what ec*nt is. She has spent her life whoring and stealing from the public assistance system.

        • ellinas1

          Empty words on your part dear mickey, empty words.
          Did you ever have sex for the fun of it?
          Or did you only have sex when it was time to have a child.
          Pat Robertson and James Dobson want to know if you have sinned recently.

          • 2hotel9

             I order you to sh*t and you obey. Go ahead, prove you have lost again. Post another comment. I order you to, stupid c*nt

      • http://www.bikebubba.blogspot.com bikebubba

        Ellinas, do you really think people who are so irresponsible that they cannot afford $15/month for birth control really ought to be having sex? 

        I’m sorry, but if someone is that much of a waste of oxygen, I don’t want them doing that which can lead to procreation.  I want them learning responsibility in the school of hard knocks, not getting ten different government food programs and  free contraceptives.

        • ellinas1

          I don’t think 
          people who are so irresponsible that they cannot afford $15/month for birth control really ought to be having sex.
          I too, want them learning responsibility in the school of hard knocks, not getting ten different government food programs and  free contraceptives. Having said that, how are you going to stop them from copulating?Are we doing more damage with your approach? In my estimation yes. 

          • http://www.bikebubba.blogspot.com bikebubba

            Good to see you concede that the point with Comrade Obama’s unconstitutional regulation is not about whether people will get their “necessary copulation” or not.  Rather, it is about whether those enjoying the act, or taxpayers, will be footing the bill.

            Which is exactly how you persuade people to fornicate less.  You make them responsible for the fallout.

          • http://realitybasedbob.sayanythingblog.com/ realitybasedbob

            Mr. bubba, it’s hilarious that you nutters can’t see through a gop manufactured phoney wedge issue.

            New Hampshire illustrates the GOP problem. State House Speaker William O’Brien (R) introduced a resolution Friday urging the U.S. Department of Health and Human Services to rescind the Obama rule requiring employers to cover contraception with no co-pay for their employees. O’Brien, joined by state House Republican Leader D.J. Bettencourt, Rep. Charles Bass (R), a spokesman for Rep. Frank Guinta (R) and Bishop Peter Libasci told reporters at a news conference that Obama’s compromise, requiring insurers to cover birth control when the employer morally objects, doesn’t go far enough to protect religious freedom.

            “This is about ensuring we do not mandate things contrary to people’s moral and religious views,” Bettencourt said.

            Nevertheless, New Hampshire has had a law on the books for more than a decade that requires insurance coverage for contraceptive devices and services — and the law has no religious exemptions.

            It passed with strong bipartisan support, and
            religious organizations in the state have been complying for years without complaint. The only major difference between the state law and Obama’s rule is that in New Hampshire, women are still responsible for an insurance co-pay.

          • ellinas1

            Like you say Bob: Nutters crack me up!

          • http://realitybasedbob.sayanythingblog.com/ realitybasedbob

            They sure do. Like the nutter who seem to be criticizing you for being able to speak 4 languages and that being able to read the Bible in it’s original language was “A good working tool for a one world system”.

            MY GOD, NUTTERS DO CRACK ME UP!!!!!!!!!

          • ellinas1

            Mr. Point is an old fellow who frequently sees two dozen communists, hiding in his closet, and about a dozen  Bolsheviks under his bed, and boy let me tell you. Them totalitarians are ready to pounce.
            As far as reading the Bible in it’s original language and not waiting or expecting for the likes of Joel Osteen and Neiman to tell you the meaning of the Bible, well that went over his head.

          • 2hotel9

             Yes, we get it, you and ec*nt are ecstatically happy that religious groups are going to be forced to pay for your abortions. We. Get. It. You want babies killed and to force religious groups to pay for it.

          • Hannitized, Proofs obsession

            These are the kind of inconvenient facts Bat avoids for fear of answering tough questions about this phoney wedge issue.

            Jehova’s Witnesses have been forced to pay for insurance that goes against their religious beliefs as well, but conservatives didn’t care then and they don’t care now, they just want Obama out.

  • $8194357

    Some folks see it for what it really is….

     Column:
    The Passing Scene
    By: Dennis M. Patrick
    Date: February 10, 2012
    CONTINUING POWER GRAB
    Had enough of the latest religious liberty controversy, that scandalous announcement made by President Obama’s Health and Human Services Secretary Kathleen Sebelius making people of conscience subordinate to the state?

    Stand by. Here is my two cents worth.
    The issue centers on a January 20 announcement by Secretary Sebelius that all health care providers who receive federal money must provide contraception and other birth control treatments such as the morning-after pill — free. Not only must health care providers offer contraception, abortions and sterilization — they must pay for it as well.
    That is the edict. No other considerations matter. The president rules. Period.
    In November 2011 the highest Catholic prelate in America, Archbishop Timothy Dolan (soon to be Cardinal Dolan), was assured by President Obama that the Catholic Church would not be forced to adopt any policy that would violate her principles. The January 20 HHS announcement sandbagged the archbishop.The Obama health care legislation of March 2011 set up this issue to foist a major policy change in contravention of the US Constitution’s First Amendment. Bishop James McFadden from Harrisburg, Pennsylvania, addressed the issue bluntly January 24 on an ABC News affiliate, “In a totalitarian government, they would love our system. This is what Hitler and Mussolini and all of them tried to establish: A monolith, so all the children will be educated in one set of beliefs and one way of doing things.”It is not just Catholic sensibilities that are offended. Many diverse groups see this as an assault on religion, on people of faith and their convictions. Disparate groups including the National Association of Evangelicals, the Union of Orthodox Jewish Congregations of America, Lutheran Church Missouri Synod and the Assembly of Canonical Orthodox Bishops of North and Central America see their goose slowly roasted. Even American Muslim clerics object.This transcends the Catholic issue; it is more than a religious or even a social issue. (It should be clear to anyone with a fundamental understanding of civics that the issue centers on conscience and Constitution.)
    Obama’s pronouncement derives from the health care legislation (Obamacare) designed to expand government to instruct citizens, including churches, church institutions and schools what they can and cannot do. This reflects the totalitarian thinking of the Obama administration and underscores his promise to change America — with or without the consent of the governed.
    As the Heritage Foundation succinctly puts it, “The Obamacare statute has concentrated in the hands of the federal government broad power over the one-sixth of the American economy that is health care.”
    That broad legislation, in part, allows the HHS secretary to make rules transcending religious institutions requiring them to provide health care insurance for abortion and sterilization against their beliefs. Likewise, Obamacare forces individuals to buy health insurance.
    This part of Obamacare has been contested and is now before the US Supreme Court to determine the law’s constitutionality.It is wrong to think that Obama caved in to political pressure when he announced an “accommodation” at midday on February 10. (In fact, he has no authority to either mandate or compromise.) In reality, he is hacking away at our First Amendment liberties to promote the “change” he envisions.
    Some see Obama’s decision as a blooper, a mistake, a goof. I don’t buy it.
    What Secretary Sebelius ruled was intentional, premeditated and approved by President Obama. (I do not believe for a nanosecond that the Obama administration overplayed its hand or that they “guessed” wrong on his policy change.)
    The president, his cabinet and his “czars” are too politically astute to make a blunder of this magnitude.
    Late on February 10, Obama’s “accommodation” was rejected by the Catholic bishops.Since when does a president have the power to rule unilaterally gutting religious liberty and then claim the power to make a compromise on that same ruling?

    He doesn’t.

    This is how we lose our Constitution and our liberty. (The policy change was intentional.)

    Obama said from his campaign forward that he intended to change America. He is doing exactly that and will not allow the Constitution to stand in the way.In the end, the entire issue revolves around freedom. Will we keep our freedom, or lose it?
    Dennis M. Patrick

  • Jamermorrow

    Now that birth control will be free for the consumer we will have problems with the price of birth control. The consumer will no longer care what the price is because insurance will cover it. Birth control suppliers will be able to charge whatever they want. This is going to make insurance prices rise. We may even have shortages in birth control. What does free do to the demand curve?

  • Bat One

    We have to pass the bill… so you can find out what’s in the bill.

    This is what happens when Liberals are in charge, and 2000 page bills are passed with no committee hearings, no public comments, no amendments, no bi-partisanship, and none of that “most open administration in history” horseshit that Obama dishonestly campaigned on.

    • two_amber_lamps

      Great moments in leftist propaganda!!

      http://www.youtube.com/watch?v=0BH43LVm_m0

      Or should he have said “why read the bill because your brain might actually need the two sticks required to rub together to UNDERSTAND it?”

      This guys sounds about as bright as Hank “Guam tipping over” Johnson….

      • Bat One

        If it wasn’t for Jimmy Carter… and of course Cynthia McKinney… former Dekalb Country CEO Hank Johnson would easily qualify as Georgia’s biggest embarrassment.

  • 2hotel9

    Once again, for all the Democrat Party mental retards, contraceptives are widely available and dirt cheap. Abortion is widely available and already subsidized with tax payer’s money. Period. Full stop.

  • Econwarrior

    In a free market healthcare industry, customers are valuable and are efficiently served; in a govt-run healthcare program, customers are regarded as an expense to be minimized by whatever means possible.  That’s the difference.

    • Bat One

      In a free market, competition drives DOWN costs, while driving UP the quality of the service or product being provided.  Government interference and control, of course, results in the exact opposite.

      • Econwarrior

        This birth control mandate is an obvious attempt to buy the votes of unmarried women, with our money.

  • tony_o2

    I don’t know if anyone brought this up yet, but what about Catholic insurance companies?  This “compromise” still forces them to pay for contraceptives.

  • Janne Myrdal

    Well said Rob!!!

  • Sparkie Arbuckle

    Why don’t we let the free market decide if abortion is immoral?

    • Econwarrior

      Why stop there?  Why not murder, robbery, rape, child molestation and honor killings, as well?  Do you really not know?

      • 2hotel9

         sparkie doe not care. sparkie spends its time defending Muslim terrorist’s continuous sodomy, rape, torture, starvation and murder of innocent Muslim children and women. sparkie wants to bring all that to America because it hates America. Just as it hates Negroes, women, Jews, Hispanics, Orientals, elderly people,,,,you get the picture.  Just wait, sparkie will tell you all about how it is a college professor, too. It is f*cking hi-larious.

    • 2hotel9

       It did, stupid c*nt, that is why you mental retards in the Democrat Party are forcing tax payers to finance your baby killing.

  • mtvphil

    And whatever happened to “If you like your insurance, you can keep your insurance” anyway?

  • mickey_moussaoui

    Command and control, command   and   control,    command         and          control.

    Get it?

  • awfulorv

    Italian officials are requiring the Carnival (of errors) Cruise line , in a decision which , seemingly, echos the U. S. Governments stance on insurance, to reimburse vacationers for cocktails that were spilled during the recent slip, sliding, away…

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