ObamaCare: Mandates Will Devastate the Working Poor

I’ve written several articles exposing the flaws of socialized medicine and the plans currently being considered in congress. Yet despite all this effort I get a feeling that I’m not reaching everyone I want to reach. Maybe their minds are closed and it’s a pointless effort, but I still hold out hope that reason can reach at least some of those still deluded into supporting this madness. Perhaps if I focus on just one aspect of the proposed legislation demanded by President Obama I can keep things simple enough to reach a few people.

I’m specifically referring to young working people and students who make up about 40% of those who are currently uninsured. This is a group who have made a choice not to invest in health insurance because they are young and healthy and have considered the odds and made the entirely reasonable conclusion that their chances of needing major medical treatment are vanishingly small and the cost of any emergency care they need — for the occasional stitches, injury or minor illness — is far less than the cost of health insurance.

The major health threat for this group of 18 to 30 year-olds is injury in a car accident, a risk for which they do not need health insurance because they are already covered by the automobile insurance their auto loan lender or state government requires them to carry. For them major illnesses are very rare and other acidental injuries can be treated cheaply and paid for in cash at a cost far lower than the price of a year of health insurance.

These people are one of the main targets of the health insurance mandates which President Obama has demanded as part of national healthcare reform. This proposed mandate would require all uninsured Americans who don’t qualify for Medicaid, including these young and usually low earning Americans, to buy insurance, which even the most optomistic estimates of the “public option” suggest would cost close to $3000 a year, or more with private insurers. If they did not buy insurance they would be punished by having to pay a substantial tax penalty estimated to be somewhere between $400 and $3000 depending on their income.

Think about the budget of a typical 20-something facing this mandate. These are people with limited incomes and tight budgets. Just out of college with an income of about $33,000 a year, the $3000 a yaer for insurance is going to hit hard. Already you’re paying $9000 for rent and utilities plus $8000 for food and clothes and entertainment plus $8000 for car loan and car insurance and gas and maintenance plus $3000 for taxes and finally $5000 on your student loan debt. That’s a tight budget and it doesn’t leave any income to pay for mandatory health insurance, so the poor bastard will owe the government several thousand dollars he doesn’t have. Oh well time to trade in the Kia Sephia for a 1995 Geo Metro and cut the car expenses by about $3000 a year — just enough for health insurance. On the upside, that reduces the chance of any expensive dating, weddings or children in the future.

Oh did I mention that this is close to a best case scenario for relatively low income workers?

Under the current proposals you don’t qualify for Medicaid if you earn more than 1.33 times the poverty level which will make the qualification cutoff somewhere around $15,000. Imagine how much more devastating the insurance mandate will be for someone at the lower end of that range like a high school graduate earning an average hourly wage of about $9 an hour for a total of $19,000 a year.

Where this guy is going to get $3000 for insurance is a complete mystery, but the mandate says he has to buy it since he doesn’t qualify for Medicaid. Luckily he doesn’t have student loans and is already driving a Geo Metro with total car costs of only $5000 a year, plus he is living with two roommates so housing goes down to $6000 plus his taxes are only $1500 and finally he and his roommates eat mostly Ramen Noodles to bring his food/clothing/entertainment costs down to about $6000. So with his more economic lifestyle he is barely getting by on his $19,000. When he gets hit with his insurance bill there is no fat to trim. He can’t even raise enough to pay the penalty. So the government makes him borrow the money — probably on high interest credit cards — and he still ends up with no insurance.

What it comes down to is that for people earning between $16,000 and $35,000 the insurance mandate is really nothing but a whopping additional tax of as much as 20% and many of them still don’t get health insurance. It amounts to paying for expanding Medicaid on the backs of the working poor.

This is not the kind of hopeful change which was promised. What’s more, this is only one aspect of the plan which was specifically demanded by the president. There is another mandate which is even more devastating for small businesses plus higher taxes which hit them extra hard as well. That low wage earner may not have to worry about insurance when the other provisons of ObamaCare shut down the business he works for. Then he won’t have any income at all, so he can go on Medicaid and live in a cardboard box in one of the shantytowns which will be springing up around the nation.


About Dave 536 Articles
Dave Nalle has worked as a magazine editor, a freelance writer, a capitol hill staffer, a game designer and taught college history for many years. He now designs fonts for a living and lives with his family in a small town just outside Austin where he is ex-president of the local Lions Club. He is on the board of the Republican Liberty Caucus and Politics Editor of Blogcritics Magazine. You can find his writings about fonts, art and graphic design at The Scriptorium. He also runs a conspiracy debunking site at IdiotWars.com.


  1. For several folks, proceeding camping out gives the chance to unwind and to accomplish harmony with the outdoors. To travel outdoor camping it just takes a want to go to the specific camping out floor. You can find a collection of great tips that will help you in taking pleasure in your camping out expertise. Keep reading to learn more. When moving camping, be sure that you take the proper sleeping handbag along with you. Some sleeping totes will never keep you hot when the temperatures dips under 40 qualifications, while others can have you excessive sweating all night long long as they are also warm. The label on the case typically can tell you what kinds of temps are right for each resting case. As being a good manners for some other travelers, don’t keep your lighting on over night, should you be near other people. Load a clock that you could attach to your lights that can automatically closed them off of right after a specific time. Making lamps on over night is a popular criticism between most Us outdoorsmen! In case you are camping outdoors along with the weather conditions are starting to go up considerably, tale the coolers that you may have with you and placed them someplace from the tone. It will help to ensure they are covered with some kind of tarp. This will maintain the temp within the much cooler from soaring a lot of. Take into account going for a CPR and medical type. This is particularly important if young children are vacationing with you. Need to an unexpected emergency develop, your understanding of firstaid can stop additional issues till help is delivered. You might also check out different first-aid techniques on the internet. Additionally it is best to be aware what is available in the region you will end up in so that you can plan for that at the same time. If you are considering outdoor camping, and also you are unfamiliar with the activity, then you definitely must not start out by itself. It could be very dangerous in the event you don’t know what you are undertaking, so it is important to bring along a skilled buddy that will help you discover the ropes. As we discussed there are many efficient ways to create your time in the great outdoors the ideal outdoor camping vacation actually. While using tips from the write-up earlier mentioned will ensure that your expertise is just one to keep in mind for many years. You can expect to return to your daily regimen refreshed and able to go.

Leave a Reply

Your email address will not be published.