Hillary's Woes

I was on top of the world

Unbeatable, unquestionable, ferocious and caring

I had a team for the dirty work

Cheating, lying, hiding and being the jerk

I stayed above the fray

I stayed away from everything

Then it happened

What happened?

He won, how could it be?

I had more votes the president should be me

He had the Russians, the racists and the deplorables

I had the left-wingers

Yet he was the winner

I had the socialist, he the middle-class

Everyone knew that he was the ass

It wasn’t my fault I was the perfect candidate

It was Comey and the deplorables wasn’t that great

Misogyny, sexism, racism, and white supremacy

Let’s not forget voter suppression

I could go on and on but you’d cry for mercy

Throw in Bernie and you can see it’s not my fault

I did nothing, I stayed away from everything

Let me repeat, I did nothing I stayed away from everyting

Wisconsin, Michigan, Ohio, Pennsylvania too

I had no message to be used against me

He had a message that people could see

Did they forget that I am a Clinton?

It was my time

I had served and I was due

After all I’m likable enough

Aren’t I?

Well at least I have a book and a whiny voice too

I may not be president but I won’t be a pawn

I’ll sabotage the man that should not have won

He’s a clear and present danger and believe me I know

I’ve spent years next to one while wearing a bow

When will it end?

When the media stops helping me sell my books

The family business has been crushed and I need the bucks

Trump is Inelegant, Media is Culpable

Is there a contradiction in the media criticizing the President for agitating North Korea while also criticizing him for calling out the Charlottesville counter demonstrators’ culpability in violence? And, do not twist that to mean the President is wrong on North Korea.

President Trump is not a statesman. He does not understand that the whole truth sometimes needs to be held for another day so that one, clear, more important message can ring forth. This is how he mismanaged his communications regarding the horrible episode at Charlottesville this week. But after watching President Trump for the past two years, does anyone expect him to be savvy about striking the correct chord? If so, reset your expectations. President Trump has demonstrated that he is not “presidential” in the historical view of “presidential.”

The vast majority of Americans despise neo-Nazis, white supremacists, and the Klu Klux Klan. America is no longer living in the 1950s. However, to respect all those who have suffered, we must continue to be clear about the condemnation of racist hate groups. President Trump emphatically stated that he condemns these groups. Then, unfortunately, he said that the counter demonstrators also acted badly.

President Trump was correct in condemning the hate groups and correct in noting the horrific acts of the counter demonstrators. But, he should have held off on criticizing the counter demonstrators. He was not wrong, he just had bad timing. Most Americans see it this way, bad timing not supporting hate groups. Most Americans understand that President Trump is not elegant, but he does put forth common sense policies that Americans support. That is why America made him our President. He is unorthodox and at times even unwise, but he has the right plan. Americans realize this and realize that the media seizes any opportunity to create the image that our President is evil. He is not.

It is still bad timing but because the President put the issue out there, it needs analysis. Counter demonstrations, no matter what is being demonstrated against, need to lawful. Clearly, the Charlottesville counter demonstrators were not lawful. They contributed to the violence. They felt justified in doing so because the groups they were protesting are so repulsive that they even support President Trump and anyone associated with President Trump is so abhorrent that violence is justified. To this point, a state representative in Maine stated that if he gets within ten feet of the President, “he will be a half-term President.” We have become an irrational society thanks to the news media convincing the public that hatred of the President, and even violence, is acceptable. In fact, it is a virtue.

Watching the political debate in our society is akin to watching the gladiators spar in the Colosseum. The media is so hateful of our President that they foment hatred of anyone with an open mind toward our President. The media seek out any Republican making a negative comment about the President as validation of their foregone conclusion that the President is evil. And, they present it in that fashion.

The President is not a great communicator. But he does have great ideas to improve America. It was these ideas/policies that won him the election. All the President’s policies are vehemently opposed by the left-leaning news media but supported by most Americans. Because the media cannot win the debate on ideas, they engage in smear campaigns and foment hate. This hate was evident in the counter demonstrators at Charlottesville and the violence it caused is the media’s responsibility.

Like all other false attacks on President Trump, this too shall pass. Hopefully, the media’s penchant for fomenting hate and violence shall also pass.

Bottom line: The news media is just as culpable for the violence perpetrated in Charlottesville, Virginia this week as the Klu Klux Klan. The false, twisted narrative put forth by the media caused some spineless business leaders to withdraw from serving our country. Therefore, the media is also responsible for delaying President Trump’s plan to make America great again. The largest irony of all is that the news media criticizes our President for not uniting our country after the horrors of Charlottesville. Are there no mirrors in the newsroom?

The Lack of Young and Healthy is Not the Cause of Health Care’s Death-Spiral

According to the Kaiser Family Foundation’s website, 49% of Americans obtain their health insurance as a fringe benefit at their place of work (the employer-provided group), 36% obtain their health insurance through a social program (mostly Medicare and Medicaid), 7% purchase their own health insurance (the self-payer group) and, 8% have no health insurance. Combined, the employer-provided group and the self-payer group represent the entire private-sector health insurance market in America (56% of the population).

When a member of the employer-provided group becomes catastrophically sick and/or injured, they can no longer work and therefore lose their employer-provided health insurance. They fall into the self-payer group just at the time when their health care costs are extremely high. The COBRA law allows them to stay on their employer’s health insurance plan for 18 months. However, they would have to pay the full cost of the employer’s plan. Since they are out of work, they cannot afford this. Instead, they purchase an Affordable Care Act (ACA) plan that is eligible for ACA subsidies.

Falling from the employee-provided group into the self-payer group just when the individual has developed the need for copious quantities of health care is risk dumping. The employer-provided group is saved the cost of the required health care and the self-payer group has no choice but to suck it up. Employers can choose who they hire (healthy), but the self-payers have no choice in who joins their group (unhealthy).

Of course, dependents of an employee (spouses and children) may become catastrophically sick and/or injured and remain on the employer’s health plan. Furthermore, some working couples obtain health coverage from both of their employers. Therefore, the risk that gets dumped may only be 10 to 20% of the employer-group’s overall risk. However, even 10% of the risk from that large group is almost equal to all the risk that is native in the 7% self-payer group. Thus, large annual premium increases for the self-payers will be an on-going occurrence in the current, flawed design of the law.

Prior to the ACA, self-payers purchased health insurance as individuals based on their own level of healthiness. The ACA forced self-payers to purchase health insurance as members of a group and therefore caused the healthy to pay more so that the unhealthy could pay less. This was the “shared responsibility” theme of the ACA. Since the healthy may someday become unhealthy, this seemed fair. However, the ACA created a system where the self-payers shared the responsibility for unhealthy people from both the self-payer group AND the employer-provided group.

The self-payer group has become the high-risk-pool for all private-sector health insurance. Because of this, the little-guy is paying outrageous premiums, and businesses are being shielded from the true cost of health care in America. This has caused the ACA self-payer death-spiral.

Although it makes a small contribution, the lack of the young and healthy purchasing health insurance is not causing the death spiral. The death spiral is caused by risk-dumping.

If the constitution had a uniform premium clause similar to the uniform tax clause, the ACA premiums would be ruled unconstitutional. The little self-payers’ premiums cover the cost of the risk for their co-inhabitants of the self-payer group PLUS for a good portion of the employer-provided groups’ risk.

We are beyond the point where the ACA’s preexisting-condition-safety-net would ever be eliminated. Therefore, we must fairly distribute the ACA’s "shared responsibility" among everyone in the 56% group of the private-sector health insurance market. After all, it is the entire 56% that is realizing the risk-sharing benefits.

The solution is to create a single, private-sector risk-pool where the premium for each individual’s health insurance is based on the average healthiness of that new risk-pool. Employers will still provide health insurance to their employees but they must purchase that insurance through an insurance company. Businesses would no longer be allowed to self-insure their healthy group of employees. Instead, they would pay an insurance company the premiums for their employees as members of the new risk-pool. Insurance companies will be prohibited from offering a plan to a business unless they offer the same plan to self-payers. This will assure fair play and provide health plan choices to the self-payers.

There will still be self-payers and employer-provided groups but they will be in the same risk-pool. This is a single-market, not a single-payer solution.

To demonstrate this proposal with numbers, consider that, per the New York Times, the 2017 nation-wide average premium increase for self-payers was 25%. According to a PricewaterhouceCoopers report, the 2017 nation-wide premium increase for the employer-provided group was 6.5%. The weighted average that results when combining these two groups is 8.8%. There are a lot more people in the combined group with which to share the risks.  8.8% is still too high of an annual increase when inflation has not seen 3% in a long time. More still needs to be done. But, compared to 25%, this is the biggest, single step forward we can make.

President Trump’s Obstruction of Justice vs. Sexual Harassment

Mr. Comey, really?

You state that you don’t know whether President Trump’s suggestion of ‘could you let the General Flynn “matter” go?’ raised to the level of obstruction of justice. Whereas at the same hearing you stated that because he was the president that you took his “could you” as a directive. But, did not inform anybody other than your subordinates of your “concerns” that you felt compelled to document immediately thereafter?

If you took it as a directive, why is it not obstruction of justice? Do you ever have the courage to make a decision when there are political considerations involved?

In the same hearing, you stated that maybe you were not strong enough with both the President and former Attorney General Lynch. Let me fill you in – YOU WERE NOT ONLY NOT STRONG ENOUGH, YOU ARE A WIMP. Furthermore, your testimony today convinced me that the President made the correct decision in terminating your employment from my company – the United States of American. Yes, I am a happy shareholder to see you gone.

In my corporate days, I taught a sexual harassment course. One of the principals taught was that if you felt as though you were being harassed by someone that you had the responsibility to inform the offender of the behavior that you found offensive. If the offender continued this behavior after you notified them, you have a basis of filing a sexual harassment claim. This principal did not apply to blatantly offensive behavior. The correlation here is that the President’s behavior was not blatantly illegal and he could have used your expertise to make him a better President for we Americans.

You, a lawyer and government wonk for life, did not think that President Trump could have used some guidance to help him establish his compass as a new president with no political or governmental experience? You could not muster enough courage to do that – not for President Trump, but for me and the rest of the citizens of America that are now watching the second political crises you have created in the past year?

As you stated during your testimony, you are gutless. But you do have a flair for bringing the attention to yourself. Even if it is at the expense of our great country. Now, please go away forever.

Secretary Clinton, not President Trump Aided the Russians

Yesterday, I was surprised to hear Secretary Clinton state that she had no fault in her loss of the presidential election. But what shocked me was that she proclaimed her private server to be a “nothing burger.” It was really the Russians that orchestrated the outcome of our elections.

Well, if it were the Russians that orchestrated the outcome of our election, where did they get the ammunition to perform the orchestration? Oh, it was by being able to hack into the Secretary of State’s private email. Secretary Clinton has stated that the drip, drip, drip of her hacked emails contributed to her losing the election.

On one hand, the private email server was just a mistake for which she “has already apologized.” She also claims that she never intentionally misused her private email server for classified information. But on the other hand, the information stolen from her private email server was so significant that the Russians hacked it to use against her in the election.

While the media are hyper-ventilating over the chance that some of President Trump’s campaign team may have been colluding with the Russians, they still do not consider Secretary Clinton’s handling of her emails as important. Our intelligence community has concluded that the Russians did attempt to interfere in our democratic process, that there is no evidence that the Trump campaign team colluded with the Russians, and that Russians hacked into Secretary Clinton’s private email server. Connect the dots from our intelligence community’s findings to ascertain who helped the Russians.

Is the private email server a nothing burger or the source of the Russian’s trove of negative information about Secretary Clinton that allowed the Russians to subvert our democratic process? That case of “extreme carelessness” looks more and more like gross negligence to me. If the email information was not classified, it was still of national security importance or the Russians would not have used it to interfere in our democratic process.

Accept Trump as Trump

Let Trump be Trump does not work. It requires an individual to proactively grant advance forgiveness to President Trump for any coarseness he may exhibit.  Therefore, for the good of the nation, I ask everyone to please, accept Trump as Trump. Acceptance is passive. It does not require you to condone the coarseness. You can still abhor the coarseness, while acknowledging the good stuff. Acceptance allows our national discourse to focus on the challenges America faces, the ideas to solve those challenges and the compromises needed to make progress.

As you read this article, you will fall into one of two camps: 1) this article will be talking for you, or 2) this article will be talking to you. You will make that determination quickly.

President Trump is not the prototypical president. He is not measured. He can be compulsive. He misuses Twitter. Most of all, he is not Hilary Clinton. Just get over it. Anyone that truly loves America needs to get a grip on this. The torrid of criticism that spews from the mainstream media on an hourly basis is not only ridiculous, it is harmful to America. It is purposefully stopping goodness from happening. The same sentiment applies to the free-speech crushing world of academia and to the government employees that leak America’s secrets out of context – anonymously of course.

The goodness I speak of is lower taxes, affordable health care, better trade agreements, more jobs, a safer America and a safer world. It is also the re-embrace of America Greatness.

If you read my blog, you will see that I was once in the “never-Trump” camp. However, he won the electoral college and he is my president. He is all of America’s president no matter what some protesters’ signs declare. And if he were not to be the President, Vice President Pence would be president and we would still be working towards goodness. And, at the core of this issue is not President Trump at all. The core issue is whether you agree with the election that resulted in American’s voting for this goodness.

If President Trump is found guilty of collusion with the Russians, of obstructing justice, of assaulting a woman, cheating on his taxes, breaking the espionage act, or any other high-crime or misdemeanor, I will be the first to raise my voice for impeachment (maybe not over taxes). However, we are so far away from that place that it is unjust to the man and to the office to be even muttering the “I” word. Please grow up. Donald J. Trump is the President of the United States of America. Our justice system works. If there is any real issue, it will be dealt with properly. Do not judge and convict the President of the United States on national TV without any substantiated facts. Then again, that behavior does further your true objective of impeding President Trump's agenda to make America great again.

President Trump has shown strong leadership in dealing with the Syrian’s use of chemical weapons, in extracting an American family from an Egyptian jail, in letting North Korea know we are no longer engaged in strategic-patience, in strong-arming American companies into investing in America, in cracking down on illegal-immigrant criminals, in cracking down on gangs, in allowing the dream act to remain in place, and in shepherding the American Health Care Act through Congress. President Trump is doing everything that he said he would do when he asked America to make him the President. And, America made him the President.

The rating-grabbing teasers, headlines and unsourced stories are only causing some delusional Americans to believe that they can stop President Trump from making America great again. This is because they do not share the same view of greatness. The debate of what constitutes greatness was conducted during the campaign. The election decided the outcome. That is why Donald J. Trump is president.

I suggest the following changes in your life: 1) stop watching cable news, especially the Constantly Negative Network (CNN), 2) read only your local newspapers, 3) watch one hour of news per day maximum, 4) spend your extra time with your family, 5) and most importantly, ask yourself these questions every time you watch or read a news story:

·       Is there a real source (somebody’s name, not an anonymous source)?

·       Does the publisher of the story (the network or newspaper involved) have a track record of spewing negative stories for one-side but seems to always protect the other?

·       Can the story be attributed to President Trump being a different type of president (i.e.: not experienced in politics and learning on-the-job)?

·       Does the story seem to make a link to ill or even criminal intent without really establishing any known intent? If the Russians attempted to intervene in our democratic process while candidate Trump was speaking of better relations with Russia, can you really conclude that candidate Trump was colluding with the Russians? Okay, General Flynn was in contact with the Russians. Do you think that the Clinton campaign had no contact with the Russians while preparing to take over the White House? General Flynn has other issues but they do not relate to President Trump.

·       Just to make you ponder over the issue of subverting our democratic process: Why is there not an investigation into Representative Wasserman-Schultz's subversion of the Democratic Primary election? Without the DNC’s direct and admitted intervention into the democratic process, Senator Sanders may be the president today. The mainstream media never thought that to be an issue worthy of a federal investigation. Why not? Why President Trump?

Remember Joe Friday; just the facts Ma’am. When I look at the facts, I see an amazing team running the government. I see strength and leadership. I see the world taking notice that the United States is no longer the impotent sleeping giant. I see a lot of action that can do good things for America but I also see a lot of “resistance” that wants to stop goodness in America. I also see a bunch of talking-heads pretending to be patriots but who are only out to line their own pockets through high ratings. I see the media trying to bully the Trump administration because they view President Trump to be a bully. That makes sense, huh?

You know what else I see? I see the “resistance” as an adolescent child who was once the bully of the class but a new kid came to town. The bully is no longer the end-all-to-be-all. And, I see that little brat telling tales out of school in a vain attempt to undermine the credibility of the new kid on the block. The new kid will be a bully if he must for the good of his classmates but not for his own benefit. And, it is not his preference. He would rather be inclusive and let the whole class achieve great things together. In that regard, despite his coarseness, I see the new kid on the block being very presidential.

If this article was talking for you, send it to your friends and have a chuckle at the water cooler. If the article was talking to you, think about it and follow the recommended changes for a week. Then, re-read the article and see if it then talks for you. If it does, send it to you friends. Then, look for new friends. Close-minded people do not like to have their views challenged.

Bottom line, accept Trump as Trump and give him a chance.

Improve the American Health Care Act

People that purchase their own health insurance (7% of Americans) were grouped together by the Affordable Care Act (ACA or Obamacare) and became the high-risk-pool for all private sector health insurance (56% of Americans). Is it any wonder why their premiums are skyrocketing and insurance companies do not want to insure them? Yet, none of the Washington solutions address this core issue.

The ACA attempted to "share responsibility" by requiring individuals to purchase health insurance as part of a group of "self-payers." Self-payers previously purchased health insurance as individuals based on their own level of healthiness. The ACA caused the healthy to pay more so that the unhealthy could pay less. Since the healthy may someday become unhealthy, this seemed to be fair.

However, the ACA created a system where only the self-payers shared the responsibility for the unhealthy people from both the self-payer group and the employer-provided group.

49% of Americans get health insurance as a fringe benefit at their place of work (the employer-provided group). However, when a member of this group becomes catastrophically sick and/or injured, they can no longer work. Since they cannot work, they lose their employer-provided health insurance. They fall into the self-payer group at the time when their health care costs are extremely high.

These two groups (the 7% of self-payers and the 49% of employer-provided) represent the entirety of the private sector health insurance market with a total population of 56% of Americans.

The self-payer group has become the high-risk-pool for all private sector health insurance in America. Because of this, the little-guy is paying outrageous premiums, and businesses are being shielded from the true cost of health care in America. This has caused the ACA self-payer death spiral. Where is Bernie Sanders to tell us that the system is rigged?

In case you were not aware, FairwayFrank was a vice president at Computer Sciences Corporation's Health Plans Solutions division. Frank knows about health insurance.

Bottom Line: the "shared responsibility" spirit of the ACA shared the cost of the unhealthy of the entire private sector health insurance market (56%) among ONLY the healthy members of the Americans that purchase their own insurance (7%). Those that get health insurance from their place of employment (49%) do not take on any of the "shared responsibility." That is why the self-paying market is imploding.

Insurance premiums have replaced taxes as the means to fund the health care safety net for those with preexisting conditions. However, the structure of the ACA is discriminatory with regards to who pays these higher premiums ('taxes'). Any constitutional lawyer want to file a suit against the federal government under the uniform tax clause of Section 8? Chief Justice Roberts has declared that the "shared responsibility penalty" of the ACA is a tax. Is this a discriminatory tax? I believe that it is and I believe that the 'taxes' embedded in the self-payers' premiums are also discriminatory.

We are beyond the point where we will ever eliminate the preexisting condition safety-net. Nor should we. Therefore, we must fairly distribute the "shared responsibility" among ALL those in the 56% group of the private-sector health insurance market. The only other option is what the Democrats had designed the ACA to provide, a single-payer system. It is my belief that the ACA purposefully included the design flaw described herein to cause the self-payer market to collapse after a few years of the added entitlements of the ACA having taken hold so that America would have to accept a single-payer system. Well, I think believe is a better way. The Trump administration must thread the needle on this matter with an improved American Health Care Act that both parties can support.

Watch this short video on You Tube to learn the details and how this situation can be fixed:  https://youtu.be/0dzi2UkH44g

The ACA Replacement Plan that the Main Stream Media is Hiding

The below article contains a common sense approach to replacing the Affordable Care Act. I have submitted this article as an Op-Ed to several major newspapers: the New York Times, the Wall Street Journal, the Washington Post, the Philadelphia Inquirer and others. None of these news organizations deemed this well thought out plan worthy of publication. Could it be that the main stream media will not publish this because they want President Trump to fail? To be fair, I have also sent the same information to my two senators (Pat Toomey and Robert Casey Jr. of Pennsylvania) and my representative in Congress (Ryan Costello). After 2 months, Representative Costello called me to request a meeting on the very day of the call. Since I was/am out of the country until February 9th, that request was appreciated, but unworkable. Of course, the multiple rejections my article has received could mean that my plan is lousy. However, I want you to be the judge so please read on.

As I informed the news media and my elected representatives, I am a retired vice president from Computer Sciences Corporation's Health Plan Solutions division. CSC's Health Plan Solutions developed software to run the large health insurance companies and was sold to DST Systems after I departed CSC. I actually know about health insurance. Now for my ACA replacement plan .........

The house is on fire: Premiums for those citizens that purchase their own health insurance is rising on average by 25% in 2017. In Phoenix, Arizona, the rates are rising 116%. Premiums for healthy citizens had already risen by over 100% since the ACA was put into effect. Furthermore, out-of-pocket deductibles have increased at an even higher rate than the premiums.

Background on the ACA: Per the Kaiser Family Foundation’s website: 7% of Americans purchase their own health insurance, 49% get health insurance from their employer, 36% receive socialized heath care (mainly Medicare and Medicaid) and 8% have no health insurance. The 7% of Americans that pay for their own health insurance are paying premiums that cover the sick people within their 7% risk-pool, AND the sick people from corporate America that can no longer work. This is why premiums for self-paying citizens are skyrocketing.

The Affordable Care Act (ACA) has taken away a citizen’s right to purchase health insurance as an individual. A citizen must purchase health insurance as a member of a risk-pool of all self-paying people in their state. This state-wide risk-pool allows those with a preexisting condition to obtain health insurance at a reasonable rate because all the healthy people in their state-wide risk-pool must pay a higher premium than they did pre-ACA. This sharing of risk concept is written into the ACA as a "shared responsibility."

The premium leveling manipulation by creating state-wide risk-pools has caused healthy people to pay more so that unhealthy people can pay less. Someday, the healthy citizen may become an unhealthy citizen and they will then benefit from this premium manipulation so this arrangement seems to be fair.

(The major defect of the ACA): However, ALL the people in the state-wide risk-pool (healthy and unhealthy) are paying more than they should. All unhealthy, private sector health insurance consumers reside in the self-paying group because chronically and catastrophically sick people cannot work. Therefore, the self-paying group (7%) must pay higher premiums to pay for ALL the private sector sick people while the employer provided group (49%) enjoys lower premiums because sick people cannot stay in their risk-pool for long. The COBRA law allows an employee to stay on their employer’s health plan for up to eighteen months following the termination of their employment, then they must move on. However, they must pay the full cost of the employer health insurance and cannot receive ACA subsidies for COBRA coverage. Therefore, most catastrophically sick and/or injured citizens drop out of their company provided plan and purchase their health insurance as a member of the 7% of self-paying group. This makes the little group of 7% a very unhealthy risk-pool.

A note on subsidies: Approximately 80% of self-paying citizens receive subsidies to assist them in paying for their health insurance. That leaves about 1.5% of Americans that get stuck with paying the full cost of health insurance that is priced through ridiculous actuary manipulations. 1.5% is the right number for politicians and health insurance companies to not give a damn about. However, if health insurance was more appropriately priced, more citizens would be able to afford to pay their own way. Do our politicians believe that people should not be given the chance and dignity of paying their own way through life?

Back to the defect: If all private sector citizens were in the same risk-pool, the premium manipulations would be fair. Everyone would receive the benefits and all would pay for the benefits. As it stands, the few in the self-paying group shoulder the bill for the benefits provided to ALL private sector health insurance consumers. To demonstrate this in numbers consider that if self-paying consumers receive a 25% increase in their premiums (the 2017 national average) and employers receive a 3% increase in their premiums, the weighted average of the two groups combined would be a 5.75% increase. There are a lot more people in the employer provided group to absorb the costs of the unhealthy, but they do not absorb any of the costs. It is obvious that big business is realizing a huge benefit from this scheme – and that the little guy is getting hammered.

The easy fix:

1)   Create a single, state-wide risk-pool of all private sector citizens (self-payers and employer groups including all government employer groups).

2)  Prohibit businesses from self-insuring. Self-insured plans limit a business’s risk to their own population of healthy employees. All must participate in the “shared responsibility.”

3)  Bar insurance companies from offering plans to employer groups unless they also offer the same plans to self-paying citizens (otherwise the insurance companies would raise their premiums for the employer group without taking on the high risk of the self-payers).

4) Remove the requirement for businesses to provide health insurance. This requirement has eliminated a large swath of full-time jobs. In a competitive market, businesses will continue to provide health insurance as they did before the ACA.

5)   Later, the state-wide risk-pools should be homogenized into a single nation-wide risk-pool. That is too much to bite off when an immediate fix is needed, but this is how you cross state lines.

This solution puts out the “house-on-fire” that is causing the “repeal and replace” demands. With this fire put out, we need to put our private sector to work to develop more cost-effective health delivery methods. Rest assured, there will be a way to control costs. The above noted fix will cost big-business more and big-business will force the private market to bring the costs under control. The little, self-paying consumer will never have the purchasing power to bring costs down on their own. The beauty of this fix is that it equitably distributes the private sector health care costs and by doing so it makes the out-of-control-costs the problem of big-business. And, big-business will fix the problem.

Once big-business gets health costs under control, Medicare and Medicaid costs will also fall in line; thus preserving the financial integrity of both programs as well as saving citizens trillions of dollars.