Archive for December, 2018

It’s that time of year again for “reflection”, and to look forward with the knowledge gained over the past year.

December 27, 2018

The unbearably hectic season of Thanksgiving and Christmas has past, New Year’s Eve is in a few days and frankly most of us are probably worn out or worn down. Face it, life has not gotten easier just because we have smart phones, iPads, the internet and even an economy that continues to boom. No, life is complicated, busy and frustrating as well as rewarding, gratifying and exciting. That’s life in the modern world.

Some people take a little time out of their busy schedules, at this time each year, to think about the year that’s past and consider their hopes for the year to come. In business one must reflect on the past year’s activity or results in order to forecast for the future. Some people do the same for their personal lives.

As you know, I’m an optimist trapped in a synic’s body so this is a most satisfying time of year as I review life insulated by the capsule of time lodged between Christmas and the New Year.
Let’s look at some good and some not so good with these thoughts in mind.

The GOOD
Second Year for Donald Trump to millions was a positive vindication of their honest hope that he could change the negative spiral America had faced for the previous 12 years. Yes, that’s right 12 years.
No Repeal and Replace, but a recent Court decision striking down the ACA as unconstitutional, which will cause more confusion than good. The Media will swarm this as a Trump debacle when in fact it is a result of poor leadership of Rep. Ryan and Senator McConnell. But it does give us a chance to make meaningful corrections. If they follow our  published14 step solution, that is.
Twitter  is a GOOD, even though I don’t know how to use it, but it has allowed the President to get his word out by going around the dishonest liberal press. While not all of the Pres’s tweets have been helpful, Twitter has provided a tool by which he can get his message out.
Snow in Sierras may be a local thing for folks living in the San Joaquin Valley of CA. But last Winter’s extra snow pack and rainfall gave CA a welcome break from the 5+ years of drought.  We pray for another season of snowfall.
Family Health, which is important to each of us, has been relative good for your humble author’s family. Unfortunately though, we do have close friends suffering greatly so we do pray for them. But selfishly, for our immediate family things are good, and  for that I am grateful.

The BAD or at least not so good

Congressional Leadership in Washington (not to mention CA) has been a great source of frustration for most of us over this past year. The GOP leadership is unable to communicate well to the people, makes things unnecessarily complicated and does not act together. In addition, it appears intent to maintain the status queue for what’s been so accurately described as a “swamp”.
Plus, January 2019 will usher back Nancy Pelosi as Speaker of the House. Ugh!
Press both national and local continues to be untrustworthy. Whether a Liberal or Conservative, one must agree that we can’t trust what we read or hear anymore without a bit of concern. It was similar in the Cronkite/Viet Nam era but then news traveled slower. Now, with the internet and people deliberately trying to push “fake news” it is tougher to know the facts let alone the truth. It’s hard to imagine this will get better soon.
Internet which I mentioned above, can be a most amazing tool for our life and health. When you search for goods or services or wish to stay in touch with friends it is incredible. Unfortunately, it can be a tool just as useful for confusion, misinformation, and evil. It’s user beware and we must all be aware.
No R&R, that’s right. With the Court decision mentioned above I predict that the 2019 House and Senate will not get anything meaningful done on repealing and replacing the ACA. That may be a good thing given the mess the GOP tried to force through in 2017. But it won’t be good for premium payers that don’t qualify for subsidy and small business that continues to deal with the high priced metallic plans of the ACA.

Hope for 2019, that’s right hope! I’m betting the economy will continue to go well. There will be more jobs and better pay scales available. We will feel the benefits of the American economy every where.
The biggest obstacle and concern will be the ongoing issues caused a Congress bogged down with hatred, illegal immigration, by Russia, China, Iran and their intent to cause damage to America. With their help we can keep North Korea, Iran and the middle east from spreading terror and disasters. Without their help it could be more terrorist acts and crisis. Plus, it would be helpful for Dems stop obstructing progress and to not worry about President getting a “win” on the border, trade, employment, terror, N. Korea, etc.

But, I am hopeful for several reasons. One, we are all more aware of who we should trust or not. We have a President and Cabinet trying to build America up not tear it down. And America is an engine that produces outcomes desired and envied by the rest of the world.
While others around the world try to tear us down they also know that there’s no place on earth like America.

Plus, you have me writing to you every week, helping you understand the “malarkey” our government and Media is trying to pass off as healthcare reform.

Have a safe and Happy New Year. Together we can make it through anything to build a bright and prosperous future. We may even make healthcare better and cheaper.

Until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf
It means “Walk the Faith”.

Another year in which we can all say “Merry Christmas” without fear of persecution. Thank you Mr. President!!

December 20, 2018

It’s five days before Christmas and while the Stockings are not yet hung, I bet most of us are thankful that the “war on Christmas” has been placed on-hold, for another year.

So this week instead of promoting or dissecting some aspect of healthcare reform let’s look for aspects of 2018 and our own lives in America that bring peace and good will to man. Sorry that isn’t PC, should have said “good will to us all”.

I say Thank You to:

  • First Responders who run toward the crisis or danger while we run away. These brave men and women are better civil servants to our Nation than anyone else, especially politicians, can ever brag to be.
  • Military that in spite of a decline in funding and respect over the past 10 years continue to keep us save by stopping the dangers over there from reaching over here. I did not join the military when I was of age, a decision I regret to this day.
  • Law Enforcement officers on a daily bases as they walk or drive into unknown danger without hesitation and without the support of too many in our nation.
    We should all stand each time the National Anthem plays!
  • Teachers who signed up to help educate our future generations and continue do so even when facing the toughest environments. Wouldn’t it be easier to teach if English was the required language, parents would help from home, and Unions cared about kids more than self-preservation?
  • Moms for doing what they do to love their children even when we are unlovable. Giving birth might be the easy part for Moms these days as they too often take on the role of both parents and both bread winners in American homes. Moms are the first responders for our families and they need our help and thanks.
  • Our Churches that stand for the true Word of God and don’t give in to the secular-worldly efforts by too many to cast shadows upon what we all know is right.
  • Co-workers that come to work each day to work as a team toward similar goals of creating good products, good service, and respect for team.

Thank God, above all else, for His gift of the Lord Jesus Christ, for us all. God so love the world that He gave His only Son for us that we might have eternal life. To those of you who are believers you know that a relationship with Jesus Christ does give us an eternal home but also gives us a relationship throughout the year like none other possibly could.

That’s just a few.
To whom or what are you thankful that makes your life safer and better?

Love to hear from you and especially at Christmas we should know that we’re all in this together. 

Merry Christmas to all!! And to all, until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf
It means “Walk the Faith”.

 

Headline: “Prohibition Regarding Short-term Limited Duration Health Insurance Policies”. It’s another blow to Ca. premium payers!

December 13, 2018

Yep, that’s the headline and it makes single payer & ACA supporters happy, even though it hurts tens of thousands of California citizens who have enrolled in these plans.

Starting January 1st 2019 and at renewal after that point members will be forced off these lower cost plans. To maintain coverage, former STP members, will need to enroll in the much more expensive ACA compatible plans.

So, these honest hard-working, premium paying Ca citizens will be forced:

  • To buy plans with coverage they do not need or want or use.
  • Pay premiums 200% or more higher than the premiums on their STPs.

How can this possibly be good for California?
How can this possibly impact policy holders on IFPs regardless if they are Public Exchange or private?
How can the “subsidized” enrollees on Covered Ca (around 90%) be hurt by STPs?

The answer is the prohibition against STPs does nothing to help anyone, absolutely no one, and actually harms thousands who are willing to manage their own plans and pay for them.

So, why did the legislature pass the legislation required to implement this mistake?

Primarily it’s ignorance. Most of the Ca. Assembly and Senate representatives have no clue one way or the other about healthcare financing. But they followed their party and its effort to push toward single payer.
Again, they don’t know why or what but they voted to pass this legislation.

  • The politicians believe they are insolated from any blowback by those hurt by this prohibition.
  • The Liberal Left is manically driven and/or mislead into believing single payer is good.
  • Control! He who controls the purse-strings of healthcare controls the masses!

This won’t change soon unless someone stands up for those actually harmed by this action. Who should lead the charge against this prohibition?

  • Insurance agents and brokers for one. IFPs no longer represent income potential for agents but the agent associations should stand up to this prohibition on simple grounds that agents are supposed to look out for their clients.
  • The actual citizens impacted but most of them are unaware of this prohibition or how it will affect each of them at renewal time.
  • Class-action pushback would be good. Consumer groups and attorneys should push back with class-action response that sparks fear in a legislator’s mind.

Will anything change? Probably not and certainly not quickly. A good court ordered injunction would be nice and would help current policy holders have more time.

Now more than ever, we’re all in this together.

Until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf
It means “Walk the Faith”.

 

 

 

Post Mid-term election, pre – Christmas shopping and slower ACA enrollments all make for Blah-blah-blah misleading headlines. Don’t go to sleep!

December 6, 2018

Every day we see media headlines either boasting of the ACA successes or lamenting its failure and criticizing President Trump for the horrible performance. In fact the only people benefiting from the ACA seem to be the big Insurers but I’ll cover that another time.

Several stories over the past 10 days have skirted around the projected lower enrollment numbers on the ACA public plans. Last week those headlines landed on 800,000 fewer people will be insured “because of President Trump” of course. But the media takes it further. It also projects, based on “expert accounts” that there will be 247,000 fewer children insured and again because of the Trump administration.

Now, why would there be fewer children covered. That makes no sense.

I want to address these two issues because it seems impossible to believe. I expect the enrollment numbers in the ACA to be lower but the rational put forward for the results is too partisan, for me.

One complaint is that the Trump administration cut Federal funds that had been going toward the marketing and sales of the ACA’s IFPs (Individual & Family Plans). But, really?

That sounds fishy to me for a couple of reasons:

  • Is it possible that there is anyone in America who does no know about the ACA. Sure, a person may have been neglectful the past 7 years so they don’t know how to access the plans.
  • But, there is no provider or hospital location in America that does not have an ACA or Public Exchange placard hanging with in feet of every provider’s office.
  • If citizens are unaware of the ACA then how do they know about other welfare benefits like free phones, food stamps, etc..
  • But realistically, is it possible that the members on ACA IFPs last year would give up their plans this year? Since 90% of the enrollees get either premium or benefit subsidy, or both, why would these folks not continue their plans since they are immune to the premium increases we all pay.

One plausible answer is the increase number of Americans who are now employed and therefore receiving Employer sponsored plans. If fact any other reasons sound nuts.

So, the moral of this story is that the advocates for the ACA, including the Media, have a biased interest in projecting and proclaiming any mis-fact or un-truth which can harm the President or even move toward Single payer, yuck.

Once again we can see that to be informed means we must use our own common sense and not believe every thing we see or hear.

We’re all in this together so until next week.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf
It means “Walk the Faith”.