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December 2, 2014

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

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

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

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

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Feb 14, 2012/ 20 Shevat, 5772

The Free Lunch Is Back

By Mona Charen




http://www.JewishWorldReview.com | Leaving aside the blatant assault on religious liberty that the Obama administration's contraceptive mandate represents (a number of commentators have ably elucidated the assault on free exercise), the edict ought to offend all sensible Americans for its sheer economic and moral fatuousness.

In this case, "moral" refers to moral hazard, i.e., unintentionally encouraging bad behavior. But first, consider the economic argument the administration has advanced for forcing insurance companies to offer free contraceptives and abortifacients to all women.

Health and Human Services Secretary Kathleen Sebelius explained that forcing insurance companies to supply a product for free would actually save the corporations money:

"... This is a no-cost benefit, that the National Business Council on Health, that our actuaries, a variety of people in group plans say having contraception as part of a group insurance plan actually lowers the overall cost, doesn't increase it, because, on balance, preventive services around family planning, avoiding what may be unhealthy pregnancies, avoiding the health consequences of that actually is a cost reducer."

Perhaps Sebelius should become a business consultant. Obviously, the insurance industry was missing a chance to save itself money! But wait, maybe most of the women who will use birth control are already using it and paying for it either out of pocket (a month's worth of condoms is about $15, and generic pills can be had for $9 a month) or through a co-pay. Assuming that this group consists of the vast majority of potential contraceptive users, the insurance company will certainly lose money by providing for free what had previously been paid for.

As for those women who don't now use birth control but will if contraceptives are provided for free, we can guess that their potential "savings" in the form of avoided pregnancies will be very small. Some percentage of these women will have unintended pregnancies anyway, because the reason they didn't use contraceptives was not that they couldn't afford them, but that they were irresponsible.

According to the Alan Guttmacher Institute, only 12 percent of women cited cost or availability as the reason for not using contraception. And even that figure is suspect. Considering 1) the price of condoms; 2) that Americans spend $110 billion on fast food every year; and 3) that no one who winds up unintentionally pregnant wants to admit that she was careless or stupid, the 12 percent figure deserves skepticism.

In any case, according to the Journal of the American Medical Association, 53 percent of unintended pregnancies are among women who do use birth control and report "contraceptive failure," which often means failure to use them properly. So Sebelius's fond prediction of insurance companies saving money on all those avoided pregnancies is unsound.

Additionally, when anything is cost free, demand will increase. So insurance companies will be shelling out more money for products that people may use — or may lie fallow in the medicine cabinet. To cover their added expenses, insurance companies will have to raise premiums — until the secretary of HHS decrees that they may not — in which case they will become unprofitable and go belly up. Presumably the HHS secretary will then forbid that as well, becoming King Canute.

The anguished cries of leading Democrats notwithstanding (Barbara Boxer declared that Republicans are trying to "take away women's rights ... (and) their medicine"), pregnancy is not a disease. There are lots of real diseases though, for which medicine probably does save money on net: anti-seizure drugs come to mind, insulin, blood pressure reducing medicines, and blood thinners. Come to think of it, why would a doctor prescribe any drug if not to ward off a serious illness or condition? When drugs reduce the incidence of serious diseases, it's good for everyone, not least the patient himself. By the logic of the Obama administration, all drugs that reduce illnesses should be provided "free" by insurance companies. Before you knew it, insurance companies would be making so much money by providing free drugs that they'd be able to provide all other services for free as well. Poof! There is the solution to our health care crisis.

This is the governing philosophy of the Democratic Party - top-down mandates, "cramdowns" of renegotiated mortgages, creating an infinite cornucopia of newly discovered "rights" like the right to birth control, forcing individuals to purchase private products, and forcing private companies to supply products free of charge. This is the world that Democrats build. It's misconceived, uneconomic, unconstitutional and doomed to failure.

It isn't just Obamacare that must be repealed, it's Obamaism.

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