April 21, 2014
April 18, 2014
Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology
The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious
: Trying hard to be 'positive' but never succeeding? Blame Your Brain
April 14, 2014
Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time
: First degree: How America really recovered from a murder epidemic
: When love is not enough: Teaching your kids about the realities of adult relationships
: How you can tell if your financial adviser is setting you up for potential ruin
: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate
: Eating Watermelon Can Help Control High Blood Pressure
April 11, 2014
Rabbi Hillel Goldberg: Silence is much more than golden
: How to value a child for who he is, not just what he does
: A Simple Blood Test Might Soon Diagnose Cancer
: Have A Slow Metabolism? Let Science Speed It Up For You
April 9, 2014
Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?
Samuel G. Freedman
: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau
: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau
: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease
April 8, 2014
Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease
Electric 'Thinking Cap' Puts Your Brain Power Into High Gear
April 4, 2014
A life of love: How to build lasting relationships with your children
Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet
Why 50 million Americans will still have spring allergies after taking meds
Teacher keeps promise to mail thousands of former students letters written by their past selves
April 2, 2014
Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?
Get happy: 20 scientifically proven happiness activities
It's Genetic! Obesity and the 'Carb Breakdown' Gene
Jewish World Review
Nov. 5, 2013/ 2 Kislev, 5774
'Affordable' care depends on the size of your subsidy
What does the word "affordable" in the Affordable Care Act mean? Many people might assume it means Obamacare will make health coverage less expensive. That's certainly the impression President Obama gave when he promised his national health care scheme would "cut the average family's premium by about $2,500 per year."
But Obama and the Democrats who passed the law didn't really mean that premiums will go down. What they meant was that premiums might well go up, but the government will give some Americans money with which they can pay the higher premiums and still come out ahead.
For some people that will be true. For others, not so much. Unlike Social Security and Medicare, Obamacare is a means-tested entitlement program. It will give low-income Americans substantial taxpayer-paid subsidies with which to purchase insurance. People who make a bit more will receive smaller subsidies, and those above a certain income level will receive no subsidies at all. If they have to purchase higher-priced coverage, that's their problem.
The pro-reform Kaiser Family Foundation has created on its website a subsidy calculator into which anyone can enter his location, income and family size to come up with an estimate of how big, or small, his Obamacare subsidy will be.
Start, for example, with a low-income family of four living near St. Louis, Mo., with $35,325 in household income (that is 150 percent of the federal poverty rate for a family that size). A Silver Plan policy for the family would have an annual premium of $8,088, according to Kaiser. But the family would receive a taxpayer-paid subsidy of $6,675, which means the family would pay, with its own money, just $1,413 for the coverage. (Kaiser chose the Silver Plan for the calculator because that is the plan that determines the size of Obamacare subsidies.)
Of course, most families of four in Missouri make more than $35,325 a year. The 2012 Census Bureau estimated that the median income for a Missouri family of four was $72,230 -- meaning that half the state's families of four are below that level and half are above.
For a family that is right on the median income, $72,230, the annual premium would still be $8,088, but the taxpayer-paid subsidy would fall to $1,226, meaning the family would pay, with its own money, $6,862 for the coverage. Is that a better deal than they have now? Maybe yes, and maybe no. In any event, they won't save as much as the president promised.
Finally, choose a higher income level, but one at which there are still a lot of people. For a family of four with an income of $85,000, the premium remains $8,088 but the subsidy shrinks to just $13 a year, meaning the family will pay, with its own money, $8,075 for coverage. So that family will technically receive help with its health care costs -- but not really.
For families above that level, and there are a lot of them, the subsidy will be $0. The bottom line is, when -- or if -- large numbers of people actually begin purchasing coverage on the Obamacare exchanges, many will find the much-touted subsidies aren't for them.
And that will be the key question of Obamacare: Will it help more people than it hurts, or will it hurt more people than it helps? If the answer is the former, Obamacare might become a permanent feature of American life. If the answer is the latter, it will be politically unsustainable and will fail.
The administration and its defenders might argue that the numbers will be a bit different, that some premiums could be lower or subsidies higher. But the basics are the same: Obamacare is all about subsidies, and "affordable" means the government is paying for all or part of it.
That is why the administration and its defenders are urging Democrats nervous about the disastrous Obamacare rollout to just wait for the subsidies to arrive. When that happens, they say, the Obamacare controversy will subside.
Whatever the case, the cost to taxpayers will be enormous. Obamacare limits the percentage of income that subsidy-receiving Americans have to spend on health coverage. Those at the top of the subsidy ladder are obligated to spend no more than 9.5 percent of their income on premiums. Those lower down pay a lower percentage -- for that family of four with $35,325 in annual income, it would be 4 percent.
The percentage of income that people pay doesn't change if the price of coverage goes up. So if the $8,088 premium becomes a $10,000 premium, or a $12,000 premium, the subsidy recipient doesn't have to pay more. It's the subsidy -- paid for by taxpayers -- that goes up.
So the "affordable" in Affordable Care Act doesn't really mean affordable at all.
Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.
Comment on Byron York's column by clicking here.
10/29/13 I.R.S. tax-credit scandal a bad omen for Obamacare
10/22/13 Written off for dead, immigration reform could still live
10/15/13 Why immigration reform could spell doom for the GOP
10/08/13 Business pushes immigration reform even as it lays off American workers
10/01/13 Why should congress get special exemption on ObamaCare?
09/24/13 While Republicans squabble, obama plots path to victory
09/17/13 Clock ticking, house immigration reform stuck in neutral
09/10/13 How do we tell good guys from bad in Syrian opposition?
09/04/13 Conservatives ready another try to unseat Lindsey Graham
09/03/13 Why many Republicans won't support Obama on Syria attack
08/27/13 Republicans look to change structure of campaign debates
08/20/13 Fractured GOP struggles to expose Obama's weakness
08/13/13 No easy path for divided GOP in ObamaCare fight
08/06/13 Libs gear up for ObamaCare fight
07/30/13 Are Republicans fooling themselves about ObamaCare?
07/23/13 ObamaCare battle takes bizarre turn
07/09/13 White House determined to start ObamaCare money flow
07/02/13 Rubio's immigration strategy worked brilliantly, but disappointed many
06/25/13 Rise in illegal crossing roils immigration debate
06/18/13 Immigration debate is all about border security
06/11/13 On judges, Obama tells GOP: Don't do unto me as I did unto you
06/03/13 Looking to 2016, Iowa GOP gets excited about Walker
05/28/13 What is the real number of illegal border crossings?
05/21/13 Immigration fight moves to house with deep divide
05/14/13 Senate skips details in rush to pass immigration bill
05/07/13 Winning Hispanic vote won't be enough for GOP
04/30/13 Loopholes put many illegal immigrants on fast track to citizenship
04/14/13 New data on border crossings could change immigration debate
04/09/13 Will immigration reform kill Rubio's presidential chances?
04/03/13 Immigration fight stirs debate over federal benefits
03/26/13 Is the border secure? This administration has no idea
03/19/13 Don't blame campaign aides for GOP's woes
03/12/13 Obama resists simple fixes for sequestration cuts
03/05/13 Obama vowed to break GOP fever --- but have they broken his?
02/26/13 Budget hawks question doomsday scenarios
02/12/13 Legalization-first could scuttle immigration plan
02/05/13 GOP aims to ease bloodshed in 2016 primary debates
01/29/13 In some GOP circles, reform is already underway
01/22/13 Once a critic of deficits, Obama now goes for broke
01/15/13 Yes, defense spending should be cut --- in the right way
01/08/13 Republicans bet on stronger hand in spending fight
01/03/13 For Obama, the economy never comes first
12/26/12 Anxiety rises as Americans face start of ObamaCare
12/18/12 Get ready for the costs and chaos of Obamacare
12/11/12 Obama ups bid as GOP looks for way out of crisis
12/04/12 Will Republicans support yet another Bush for president?
11/28/12 Hispanics favor Dems, but didn't decide election
11/20/12 Governors take power as balance shifts inside GOP
11/13/12 In 2016, GOP needs candidate voters believe in
11/06/12 Polls don't reflect Romney's momentum in Ohio
10/30/12 Romney, not Obama, shows concern for nation's poor
10/23/12 Entering stretch, Obama campaign running on empty
10/16/12 Will Romney push Libya issue or opt for caution?
10/12/12Romney should expose irs as enforcer of ObamaCare
10/03/12 Obama's problems multiply as GOP frets over Romney
08/25/12 With everything at stake, where's Mitt?
08/21/12 Can Romney fight distractions and stay focused on jobs?
08/14/12 When 1,099 felons vote in a race won by 312 ballots
08/07/12 Heeding critics, Romney finally sharpens pitch for long run
07/31/12 Under second Obama term, a more dependent nation?
07/10/12 Should Rmney apologize for RomneyCare?
07/03/12 Roberts' dodge at heart of ObamaCare decision
06/26/12 For Obama, working for business was working for enemy
06/19/12 Obama suffers amnesia about first year as president
06/12/12 As Romney-Obama fight heats up, Bain will be back
06/05/12 Two books, two standards for Obama, Bush
05/30/12 Obama, Rubio birthers should read the law
05/22/12 Extend Obama's grace period just a wee bit longer?
05/15/12 In new biography, Obama asks: Am I an American?
05/08/12 With serious talks, Gingrich elevated GOP race
05/01/12 Romney braces for 'vast left-wing conspiracy'
04/24/12 Obama faces defeat on pipeline as Dems defect
04/17/12 Time for a cease-fire in phony 'war on women'?
04/10/12 To Obama, legal precedents are all about politics
04/03/12 All of the liberal panic unnecessary --- and all the conservative hope unfounded?
03/27/12 Obama headed for defeat in pipeline fight
03/20/12 Why do island territories play key role in GOP race?
03/14/12The real bias in 'Game Change'
03/06/12 In politics fight, Breitbart knew culture is key
02/27/12 Hollywood makes 'Game Change' into Sarah Palin story
02/22/12 Why did Santorum lose in 2006?
02/14/12 After wins, Santorum targets Romney's native state
02/07/12 Running as businessman may be Romney's curse
02/01/12 What REALLY happened to the Gingrich ethics case?
01/25/12 Romney's unsolvable Massachusetts problem
01/18/12 If Romney wins, count on Obama to dig into Bain
01/10/12 Is New Hampshire fit to pick a president?
01/04/12 How Romney began journey on abortion
12/28/11 Blame Florida for GOP's holiday craziness
12/20/11 Huckabee dismisses draft but remains a force in Iowa
12/13/11 Surging fast, Gingrich looks to take Iowa
12/06/11 Voters like Newt, but wait to see if he's real
11/29/11 Despite surge, peril for Gingrich all around
11/22/11 To bounce back, Perry must mix it up
11/15/11 Newt's wonkish, unconventional campaign
11/08/11 Tim Pawlenty, the man who coulda been a contender
11/07/11 Gingrich big winner at key Iowa event
10/31/11 Perry's right: Republicans drowning in debates
10/25/11 Romney health plan still faces challenge from GOP
10/18/11 Lesson of Perry's candidacy: Think before you run
10/06/11 In veepstakes, candidates deaf to Rubio no
10/04/11 Cain's 9-9-9 plan sounds good, but will it work?
09/27/11 Media bias 101
09/20/11 Obama plagued by Dems' ingratitude
09/13/11 Will immigration cripple Perry's bid?
09/06/11 Left paints the campaign as a religious war
08/30/11 Keep your health plan? Don't count on it
08/24/11 GOP operatives fear lasting Ron Paul problem
08/16/11 Michele Bachmann and the submissive question
08/09/11 Obama partisans ignore facts when bashing Bush
08/02/11 When partisans fling charges of partisanship
07/26/11 Obama could be comeback kid if he heeds Clinton's lessons
07/19/11 Book casts doubt on Obama healthcare story
07/12/11 Controversial budget law begins to pay off
07/04/11 Anti-Mormon bias persists, notably among Dems
06/27/11 Huntsman tries McCain model, but he's no John McCain
06/06/11 Amid media circus, Palin lays out policy positions
05/30/11 GOP condemns Dems' breathtaking refusal to produce budget
05/24/11 Eye-for-an-eye filibuster stops Democratic nominee
05/17/11 Amid RomneyCare fight, voters ask: Where's Mitt?
05/10/11 Bin Laden coup won't help Obama in budget fight
05/09/11 Inside the GOP debate: Pawlenty underwhelms, Cain struggles, Santorum scores
05/02/11 Huckabee decision will shape GOP presidential race
04/27/11 Get ready for game of chicken over debt ceiling
04/25/11 McCain: Libyan rebels seek U.S. recognition, might pay for war costs
04/18/11 Have the U.S. and NATO given up on Libya mess?
04/11/11 Reforming entitlements is key to a strong military
04/05/11 Jihadis Who Killed Americans Get U.S. Support in Libya
04/04/11 Unions deploy money and muscle in Battle of Wisconsin
03/30/11 Labor fight in Wisconsin is far from over
03/28/11 Obama fails to grasp the gravity of going to war
03/21/11 Union equates lavish benefits to black civil rights
03/15/11 GOP should heed lesson of 1991: No guts, no glory
03/14/11 GOP focuses on NPR's subsidies, not its politics
03/08/11 While Obama seeks new ideas, his bureaucrats stifle them
02/28/11 Why the GOP shouldn't fear a government shutdown
02/22/11 In Hawaii, a dispiriting glimpse of one-party rule
02/21/11 Obama team uses slippery words to tout budget
02/15/11 Myth and memory: The battle over Reagan's legacy
02/07/11 Invoking Reagan, Palin says this is a time for choosing again
01/31/11 With each passing year, Reagan grows larger in the American political imagination
01/24/11 House GOP begins long drive to dismantle Obamacare
01/17/11 GOP gears up again to strip NPR of federal funds
01/10/11 To House GOP, illegal immigration is a jobs issue
01/03/11 Obamacare mess is legacy of Dems' moment of power
12/27/10 Smiling Dems will soon cry Washington is broken
12/20/10 Dems are earmark junkies but GOP goes straight
12/13/10 Needed: A more presidential Palin
12/06/10 With Dems in a funk, Obama charts a new course
11/29/10 Obama's poll numbers point to his defeat in 2012
11/22/10 Holder ignored risks of civilian terror trials
11/16/10 Dems love facts and science --- except when they don't
11/08/10 Obama, new GOP lawmakers are on collision course
11/01/10 New GOP star on track to defeat Dem legend Russ Feingold
10/26/10 If Dems lose, Obama will blame everyone but himself
10/19/10 Profligate Congress should read its own bills
10/13/10 Why Big Labor couldn't match Glenn Beck's rally
10/11/10 Trash-talking Democrat faces defeat in Florida
10/05/10 A GOP unknown in striking distance of Barney Frank
09/28/10 Administration inflates green-jobs numbers
09/20/10 In Delaware, GOP should target Dems, not O'Donnell
09/14/10 GOP Insiders Wary of Landslide Predictions
08/31/10 For Obamacare supporters, judgment day approaches
08/23/10 Obama has himself to blame for Muslim problem
08/17/10 Cut spending without cutting services? Start here
08/17/10 For Michelle Obama, extravagance dents popularity
08/09/10 Obama's zealous civil rights enforcer gets busy
08/02/10 A battle between Left and Right --- inside the GOP
07/26/10 GOP spoiling for fight over Berwick appointment
07/20/10 How long will the public tolerate Afghan war?
07/12/10 NASA's Muslim outreach: Al Jazeera told first
07/02/10 Legal complaint against Gore is detailed, credible
06/28/10 Obama and Dems heading for electoral disaster
06/21/10 Who told Obama drilling is absolutely safe?
06/14/10 Billions for green jobs, whatever they are
06/07/10 Sestak a no-go for any job. So what was the deal?
05/31/10 As economic worries worsen, White House puts on the glitz
05/25/10 GOP dilemma: Fight Kagan, or go along?
05/11/10 Enforcing nation's immigration laws would be a bargain
05/03/10 How Obama could lose Arizona immigration battle
04/27/10 What's behind the anti-Tea Party hate narrative?
04/20/10 As government expands, beware the post-office example
04/19/10 Who wins in 2010? Good luck reading tea leaves
04/12/10 GOP Obamacare strategy: Try repeal, then cut
04/05/10 Obamacare was mainly aimed at redistributing wealth
03/30/10 Message to Dems: People still don't like Obamacare
03/23/10 The coming consequences of Obamacare
03/16/10 Marco Rubio and the Republicans who love him
03/15/10 GOP hopes town halls take health care off table
03/08/10 Dems turn risky health vote into manhood contest
03/01/10 Why Obama defies the public on health care
02/22/10 South Carolina mulls 2012: Romney? Palin? Huck?
02/16/10 GOP winning war over Miranda rights for terrorists
02/09/10 Who are the 300 terrorists held in U.S. prisons?
02/02/10 Is Obama dissatisfied with being president?
01/19/10 The Republican dilemma: Good Michael or Bad Michael?
01/12/10 Now the lawmakers are figuring out what they didn't know
01/05/10 GOP deserves blame for Democratic excesses
12/29/09 Dems' dreams of a blue West begin to turn red
12/22/09 Why Dems push health care, even if it kills them
11/30/09 Dems' kamikaze mission: Health care by New Year's
11/23/09 Why it's a mistake to bring Gitmo prisoners here
11/16/09 Dems' slick fix: $210 billion of fiscal restraint
11/10/09 Obama can't be community organizer for the world
11/02/09 At key moment, Obama leaves health post unfilled
10/26/09 Fierce urgency' for jobs, not health care
10/12/09 Facts hurt Jennings in youth sex controversy
10/05/09 Amid terror threat, Dems chip away at Patriot Act
09/27/09 In Afghanistan, let U.S. troops be warriors
09/21/09 Under fire, Democrats abandon ACORN in drove
09/14/09 Dems stifle Republican health care plans
09/08/09 For Dems, a serious Charlie Rangel problem
09/07/09 Obama's speech: Wrong setting for a sales job
09/01/09 What happened to the antiwar movement?
08/24/09 Why Dems may jam through health care plan
08/17/09 GOP thinks the unthinkable: Victory in 2010
08/10/09 The empty words of a journalist turned flack
08/03/09 Probe finds new clues in AmeriCorps IG scandal
07/27/09 Obamacare haunted by unkept promises of stimulus
07/20/09 Why the GOP failed the Sotomayor test
07/13/09 What the GOPers will ask Sotomayor
06/29/09 Serious questions remain for Mark Sanford
06/22/09 How GOPers can crack the AmeriCorps scandal
06/16/09 Worried about Sotomayor? Consider Andre Davis
06/08/09 Can Mitch Daniels save the GOP?
06/01/09 When the Dems derailed a Latino nominee
05/26/09 Why the GOP will defeat Obama on healthcare
05/19/09 Rosy report can't hide stimulus problems
05/12/09 The Reagan legacy is the man himself
05/05/09 Sen. Specter, meet your new friends
04/27/09 Ted Olson: ‘Torture' probes will never end
04/20/09 Who's Laughing at the Axis of Evil today?
04/14/09 Congress needs Google to track stimulus money
04/06/09 Beyond AIG: A bill to let Big Government set your salary
03/30/09 On Spending and the Deficit, McCain Was Right
03/24/09 It's Obama's crisis now
03/17/09: Geithner-Obama economics: A joke that's not funny
© 2009, NEA