We Shouldn’t Cure Cancer Because It Would be Unfair to Everyone Who Fought Cancer and Won

Adding to Betty’s post, if there is anything that more perfectly encapsulates the wingnut mindset of “I got mine, fuck you,” I don’t know what it is. As someone who JUST a few months ago paid off my student loans, which were much less than your average millennials because I had the GI Bill, several jobs, and was a GA during grad school, I can tell you that I don’t for one minute think it would be unfair to me if other people had this burden removed from them. As Warren notes, society inflicted these loans on these kids because the boomers* and others didn’t want to pay the taxes previous generations paid to educate them. I am all for student loan forgiveness- I can think of nothing better than to let these kids have the financial freedom to move to careers they want rather than taking multiple gig jobs they have to have to pay their student loans. And then they can do all sorts of other shit like buy houses and go to Applebee’s and all the other shit they haven’t been able to do and are accused of “killing.”

Fuck Phil Klein.

*- I am talking generationally not about you I am sure you are a very fine boomer with the noblest of intentions you whiny fuck.

What this is really all about

Here’s a tweet from The Hill a couple of days ago and my response:

Here’s a link to the article. I think it’s spot on regarding Trump’s goal here, and I’m glad the writer used the word “brand,” even though it’s usually annoying to see life-or-death matters discussed in the language of an ad campaign.

It’s appropriate because Trump thinks in those terms. Fellow citizens, our country has empowered a malignant narcissist with a massive inferiority complex. And he is bent on unmaking President Obama’s legacy because it drives him insane(r) that Obama is more loved, accomplished and respected than Trump will ever be.

Does Trump have a fucking clue what’s in the AHCA? Nope. He might actually believe the lies he’s telling about the bill covering more people and costing less. More importantly, that’s not what matters to him. Probably the only thing that confers wood to the flaccid little appendage Trump’s wife dreads is the prospect of undoing something Obama achieved.

What’s worse, the Republicans have figured this out, so they’ll continue to manipulate Velveeta Voldemort to their nefarious ends with “wins,” like ripping away healthcare for millions, unleashing predatory bankers, getting rid of consumer protections, disenfranchising voters and persecuting women, gay people, black and brown people, Muslims, immigrants, etc.

They’ll stop at nothing, the GOP — both in Congress and their hate-filled base — including collusion with a hostile foreign power. So we have to stop them. We simply have no other choice. Suit up, Juicers. We’re in for the fight of our lives, and I don’t know about you, but if I’m going down, I’m going down swinging.

Late Night Open Thread: The Common Clay, a/k/a Crab Bucket Politics on A Global Scale

How dumb are your voters, Mr. Trump?… Very fuggin’ dumb indeed, Mr. Carlson!

So, McDonald’s twitter account got hacked…

Our Modern Victorians (who, like their forebears, are inherently patriarchal and racist) are busy promoting the myth of the noble-savage Trump voter, straggling survivors of an earlier more primitive culture whose quaint customs and fantastical beliefs must be respected (but never honored). These simple, unlettered tribalists — the last of their kind! an endangered almost-human species! — are to be granted endless lip service for their perceived grievances and genuine sufferings, as long as doing so doesn’t involve one iota of inconvenience or expense for Their Betters. Let them vote, predictably for grifters who lie to them about revenge upon their traditional enemies and the return of the buffalo herds good jobs in their neighborhoods that don’t require education. The results of those votes are only going to impact other members of the lower classes, anyway. (If there were any risk those votes would affect Very Serious People, well, *that* would be quite a different just-so-story.)

As any Irish country-dweller under English occupation, Native American exiled to a reservation, or Appalachian hillbilly during the last century could’ve warned the Trump voters, the people who romanticize your poverty and ignorance are not your friends.
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Bronze is a great age

I want to look at one element of the CBO score. It is the offered actuarial value of plans. Under the House Bill, out of pocket maximums would be fixed but there would be no age banding. The CBO sees this having an interestingly low effect.

Beginning in 2020, the legislation would repeal those requirements, potentially allowing plans to have an actuarial value below 60 percent. However, plans would still be required to cover 10 categories of health benefits that are defined as “essential” under current law, and the total annual out-of-pocket costs for an enrollee would remain capped. In CBO and JCT’s estimation, complying with those two requirements would significantly limit the ability of insurers to design plans with an actuarial value much below 60 percent.

Mechanically, under the House bill without a follow-on phase 2 or phase 3 bill, insurers can probably design plans that have at least 55% actuarial value (AV) coverage as the minimum level of coverage. Bronze right now is 60% +/-2 points of AV.

It will be very hard for people to buy a non-Bronze plan because insurers won’t offer them except at exorbirant prices. Let’s work through my logic.

Insurers are currently required to offer at least one Silver and one Gold plan if they want to sell on Exchange. Those plans are age rated at 3:1 with subsidies absorbing almost all of the local price increase risk for the Silver plan. Under the AHCA, those requirements are not in place and the subsidy is not tied to local pricing. Young buyers who are healthy will either opt out or buy the lowest actuarial value coverage possible because it will cost them very little.

Insurers then have to look at the people who actually need coverage and cost money to cover. They’ll offer a Bronze plan to get the young people in. But if they see a 58 year old asking for a Silver or Gold plan, they know that this person is going to be hyper expensive to cover as they have just self-identified as being high risk and high expense. Insurers won’t offer actuarial value levels above the minimum requirements because they will lose money on those policies.

So we will quickly see a proliferation of $6,000 to $9,000 deductible plans and very little else. That means the 64 year old who is seeing a $10,000 a year premium increase will also see their deductibles increase by $4,000 to $7,000 a year.

Brand new cadillac

This sounds like a real winner politically:

A draft House Republican repeal bill would dismantle Obamacare subsidies and scrap its Medicaid expansion, according to a copy of the proposal obtained by POLITICO.

The legislation would take down the foundation of Obamacare, including the unpopular individual mandate, subsidies based on people’s income, and all of the law’s taxes. It would significantly roll back Medicaid spending and give states money to create high-risk pools for some people with pre-existing conditions. Some elements would be effective right away; others not until 2020.

The replacement would be paid for by limiting tax breaks on generous health plans people get at work — an idea that is similar to the Obamacare “Cadillac tax” that Republicans have fought to repeal.