{"id":224493,"date":"2017-03-07T13:00:00","date_gmt":"2017-03-07T18:00:00","guid":{"rendered":"https:\/\/admin.rushlimbaugh.com\/?p=224493"},"modified":"2017-03-08T16:23:38","modified_gmt":"2017-03-08T21:23:38","slug":"does-anyone-know-what-insurance-is-anymore","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/","title":{"rendered":"Does Anyone Know What Insurance Is Anymore?"},"content":{"rendered":"

RUSH: The Republican health care plan, we\u2019re gonna get to that, too. Again, just to repeat, first glance at this, I\u2019m scratching my head and saying, “Does anybody not know what insurance is anymore? This isn\u2019t insurance!” That\u2019s what health care, Obamacare and all of this stuff supposedly is about is helping people afford insurance, right? There\u2019s nothing about insurance in this. It just looks like we\u2019re finding ways for everybody to be able to cover every medical expense they\u2019ve got. And, if they can\u2019t afford it, we\u2019ll find a way to subsidize it. It\u2019s asinine.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: There are, of course, other things such as the Republican release or unveiling of their Obamacare repeal-and-replace plan yesterday. And it\u2019s deep. You know, it\u2019s esoteric. It\u2019s so complicated that that alone raises red flags.<\/p>\n

<\/a>I know President Trump has tweeted about it today, and I want to share the tweet with you. “Don\u2019t worry. Getting rid of state lines which will promote competition will be in phase 2 and phase 3 of our health care rollout. Don\u2019t worry.” Okay. So we\u2019re supposed to say this is phase 1. There may not be everything you want in it, but don\u2019t sweat it, it\u2019s coming. And he\u2019s intent. He\u2019s been on this since he got into the campaign, and that is eliminating the restriction on insurance companies from selling across state lines, which would be a great thing if they\u2019d put it in there.<\/p>\n

Right now insurance companies can only sell in certain states and sometimes there\u2019s only one insurance company left in a state selling health insurance, so there\u2019s no competition whatsoever. But that, folks, is way down the list here. That should have been in any repeal and replace, but I tell you what\u2019s missing here. And it\u2019s such a sad thing. What\u2019s missing here is the Republican Party doesn\u2019t seem to want to trust the market.<\/p>\n

In what appears to be the case — and I largely believe this is because of what Republican donors want. Sadly, this is a fact of life. They want health care to be an entitlement. There\u2019s obviously much financial benefit to somebody or a series of somebodies, if there are aspects of American health care that feature entitlements. But the first thing I notice about this is that it isn\u2019t insurance.<\/p>\n

\"\"I remember when this all started. When I first became aware that it was a big thing to people. Now, you would think my instincts would have me aware of this from the get-go. But I\u2019ve always bought my own. I guess I\u2019ve been fortunate. And I don\u2019t use it. I\u2019ve been very fortunate on sicknesses and illnesses and so forth. I remember I was in Missouri, I was in Cape Girardeau, my hometown, on a vacation to see the family and I went out at lunchtime one day to a restaurant with a bunch of my brother\u2019s friends.<\/p>\n

They were all business owners and they were just bellyaching and whining about how much it cost them to provide health insurance for their employees. Folks, this is gonna be 1990, 1991. And they\u2019re beside themselves. It\u2019s destroying their businesses. They can\u2019t afford it as it was required by law. They can\u2019t afford what their employees expected and stay in business. And something had to be done.<\/p>\n

This is right on the verge of Clinton being elected and here came Obamacare one, which was called Hillarycare, which we succeeded in beating back and preventing, if you\u2019ll recall by really destroying Hillary\u2019s nationwide bus tour. He-he-he-he-he-he-he-he. Remember that, Mr. Snerdley?<\/a> She started in Seattle, she was gonna end up in Washington. We had it so that at every stop there were 20 times as many protesters as there were supporters. So they had to change the route of the bus, go places that were not announced. It was called the Health Care Express. We proved that we can do the civil disobedience thing.<\/p>\n


\nAt any rate, so I started actually learning about it, getting into it, and at that time what the expense was for the providers, employers, was insurance. The insurance premiums were out of control, were unaffordable, and something had to give. And the debate on health care back then largely focused on costs and all that, but the insurance side of it was the focus, making sure everybody had health insurance because it had gotten so expensive that people could not afford it on their own. And immediately for some reason my instincts were, “You mean they can\u2019t even afford to make an elective trip to the doctor for a checkup?”<\/p>\n

\"\"Well, no, they can afford that, but they don\u2019t want to pay it. This was shortly after a Democrat senator by the name of Harris Wofford from Pennsylvania — this is prior to the Democrat convention in 1992 — came out and said, “If the Constitution of the United States provides you a lawyer when you can\u2019t afford one, then why the hell doesn\u2019t the United States provide you a doctor when you can\u2019t afford one?” And that\u2019s all she wrote. That got picked up, everybody thought that was brilliant, and so it became almost an assumption, contention, and an assumed right that health care paid for by somebody else should be part of the American way of life.<\/p>\n

And the first stage of payment in health care is insurance. The other phase of expense is, of course, the actual care and treatment. And then that varies. You have the elective trip to the doctor, but then malpractice insurance got so unwieldy that doctors started testing people for everything under the sun, even when they knew there wasn\u2019t any reason to just to cover against a malpractice suit. So people started getting more health care than they actually asked for or needed, again, as a defensive measure against lawsuits. So you can\u2019t throw the tort bar out of this equation.<\/p>\n

But it quickly hit me, and I was late to the table on this. I realized when I immediately started studying it, the primary problem with American health care was that government getting involved in it, Medicare, Medicaid, 1965, destroyed the entire concept of market forces determining the cost of services and products based on what people can afford. Most everything else in our life is priced on what people can afford to pay for it.<\/p>\n

I like to use the example of hotels. If you don\u2019t want to spend much, you can go to a Motel 6 or some equivalent. If you want to go whole hog you can find some luxury place that will charge you $20,000 a night. But whatever you choose, there\u2019s no insurance for it; you just choose what you want, what you can afford, or what you are willing to pay for it, and that\u2019s the market providing options and incentives. And as long as there are people willing to spend X, if enough people want it, it\u2019ll be provided.<\/p>\n

\"\"Have you ever wondered why — if I may make a diversion here to explain the point of markets. Have you ever wondered why, in the aviation business, since the first Boeing 707 flew on commercial flights — we\u2019re going back to the fifties and sixties for this — have you ever wondered why, outside of the Concorde, we don\u2019t fly any faster today than we did when jet commercial travel began? The average speed of your average airliner today is gonna be between 500 and 550 miles an hour. Not knots. It would be in the upper 400 knots range. I\u2019m talking miles per hour, ground speed. I\u2019m not factoring winds.<\/p>\n

The engines that have been developed, that\u2019s the speed. Why don\u2019t we travel, why don\u2019t we have the ability to travel at 700? You know, the speed of sound is 760. Why don\u2019t we fly at 700 miles an hour? Why isn\u2019t that option out there? Why can\u2019t we fly a thousand miles an hour? Are there enough people that would pay what it costs? Well, it turns out no. ‘Cause it turns out in travel, the cost is a much more important factor than speed. And the thing about air travel is also physics. The faster you fly, the more fuel is required.<\/p>\n

Now, that may sound like it\u2019s common sense. But the reason for that is not just thrust. Is the reason is the faster you go, the greater amount of air you have to fly through and displace. And that air is resistance, whether there\u2019s a headwind or not. And the faster you go, the more power you use in your jet engines, the more resistance there is. And so it has been established by the people in the business that the most effective speeds at cruising altitude for efficiency and economics is 500 to 550 miles an hour.<\/p>\n

At that speed, at that usage of fuel, that usage of thrust you can price various seats on an airliner from the lowest coach fare up to the highest first class, and the airline can theoretically on a full flight make a profit on that flight. And they reduce it to how much it costs per seat to buy the airplane, not to make the trip.<\/p>\n

So if an airplane costs a hundred million dollars or 150 million, the way they amortize it is to figure out how many trips at full capacity with an average price does it take to pay for that plane, not how much are we spending per trip. And it\u2019s just been decided market forces have mandated that 500 to 550 miles an hour is it. Any faster and the costs expand incredibly. You wouldn\u2019t believe it.<\/p>\n

\"\"Do you know when the Concorde was still flying — it was shelved in 2003 — do you know what it cost when that plane was shut down to fly one way New York to London or Paris? It was $10,000. Do you know what the seats in the Concorde were? They were coach seats. It was a small airplane. There was no luxury in that airplane.<\/p>\n

The only reason to fly the Concorde was if you wanted to get there in three hours instead of eight. But they couldn\u2019t find enough people willing to spend — at one time it was $7500 one way. They couldn\u2019t find enough people to spend 10 grand to save five hours on the trip. So the way the commercial airlines do it, if you\u2019ll notice when you go to London or Paris, you\u2019ll depart at seven, eight, or nine p.m. at night, and you\u2019ll sleep overnight like you normally would, and the plane arrives in the morning in London or Paris, which you would normally be getting up at about that time.<\/p>\n

You spend most of this time theoretically asleep, so you\u2019re not aware of the time passing. And people have shown they\u2019d much rather pay a much more economical fare and spend eight hours getting there than spend $10,000 and get there in three hours. Now, the ability to fly 1200 miles an hour, we have it. The ability to fly 800 miles, we have it. It\u2019s just it\u2019s not economically feasible.<\/p>\n

Now, what if there were speed insurance available? What if you wanted to fly to London in three hours and you demanded it, but you could only afford a fare of $1,500, and you demand the government make up the other $8,500? What do you think people would say? “Screw you! I\u2019m not paying to subsidize you just \u2019cause you want…” Well, this is what\u2019s happened to health care. Now, I\u2019m not comparing the necessity of health care to flight. I\u2019m talking about market economics here.<\/p>\n

There is very little in health care that is priced anymore based on what a consumer or patient can actually afford. Now, if you have a catastrophic disease, nobody is saying that you ought to be able to afford that. That\u2019s what the insurance ought to be for. The insurance ought to be for what you can\u2019t afford, like when you have fire insurance in your house. You are hoping it never happens. But if it does, and your house is destroyed, you don\u2019t have to ability to pay it.<\/p>\n

That\u2019s what the insurance is for, and that\u2019s the bet that you make. It\u2019s a bet. You\u2019re wagering that your house is not gonna go up in flames, and that\u2019s what you\u2019re paying for: coverage if it does. Same thing with a catastrophic illness. If you come down with a terminal illness or you\u2019re in an accident and the health care that you need is prolonged and expensive, no way does anybody expect you ought to be able to pay that. But you ought to be able, if you need to go to doctor for a checkup, damn it, to pay for it.<\/p>\n

\"\"But those days are gone because now people think that whatever is related to their health, that somebody else should pay for it because health is sacred and there ought be no class or economic differences in health because we\u2019re all human beings and illnesses don\u2019t discriminate, and you know the drill. So what\u2019s been accepted is that nobody should have to pay for their health care. It\u2019s just how our system has evolved, and so markets are not trusted, markets are not depended on, even by the supposed free-market Republican Party.<\/p>\n

Instead, now it\u2019s all political and people think that (stammering), “Well, I — I — I — I shouldn\u2019t have to spend my money on health care! I — I should be able to go out and buy something else with it,” and that\u2019s where we are. After years and years, decades of the American people population being… I don\u2019t want to say “programmed.” It\u2019s become accustomed to the accepted reality that somebody else is gonna pay for your health care, when in fact nobody really pays; you always end up paying in ways you may not ever see.<\/p>\n

You may not write the check or give the credit card, but you end up paying for it one way — high tax rate, any number of things. So I was hoping at some point that an Obamacare repeal and replace would really feature an attempt to return to market economics in those aspects of health care — not insurance, health treatment — that make sense. And that the health insurance would be for those things that it would be totally unreasonable to expect most people to be able to afford. That\u2019s why you have insurance on other things.<\/p>\n

You insure your house against flood or against fire, theft, or what have you. You are not, when you buy fire insurance, you don\u2019t get… If your house is on fire and you don\u2019t have to insurance, you don\u2019t get to call the insurance company and buy a policy right then for a hundred bucks. You\u2019re SOL. If you don\u2019t have insurance and your house is on fire, tough toenails. But it doesn\u2019t work that way in health care, and it should. And of course then we get into the old arguments, “Well, who gets sick and who needs the most health care versus who doesn\u2019t get sick and who needs the least?”<\/p>\n

And the premise of Obamacare and Hillarycare was that you young people who are healthy and don\u2019t get sick and you\u2019re not even thinking about long-term illness and death, you should be paying the freight for Aunt Emma over here who is in her eighties and can\u2019t afford it. And you\u2019re saying, “I don\u2019t want to pay for somebody\u2019s Aunt Emma! I don\u2019t want to pay for any of it until I get sick.” That\u2019s too bad, because Obamacare means — if it worked as designed — you\u2019d be paying 80% of all this, or 50.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Hey, look at automobile insurance. How much do you think automobile insurance would cost if it covered oil changes — and for those of you driving cars old enough, grease jobs? What if your auto insurance covered gasoline fill-ups? What do you think it would cost? Well, that\u2019s where we are with health care. Health insurance now covers Band-Aids, for crying out loud — if you\u2019re in the hospital — which can probably cost as much as 10 bucks. It\u2019s ridiculous. It\u2019s stupid. And I\u2019ll tell you this:<\/p>\n

As long as emergency rooms in America have to take everybody, you can kiss profit good-bye. It\u2019s all out of whack, and the fact that every aspect of health care is presumed to be covered by insurance, we don\u2019t have a prayer of ever fixing this. The market will fix it, but we don\u2019t have enough people that trust it, and the reason for that is education. The American education system has literally corrupted the minds of two generations of Americans on capitalism and free markets.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Let me ask you about your home insurance, another question about your home insurance.<\/p>\n

\"\"Let\u2019s say you like scented candles in your home because maybe your dog stinks, other family members stink, or there are just household aromas you don\u2019t like. So you like scented candles but now it\u2019s time to leave house. Maybe you\u2019re gonna go to the movie, maybe you\u2019re gonna go somewhere. Do you leave the candles burning or blow \u2019em out? (interruption) Why? Why do you blow \u2019em out? You blow \u2019em out because of the risk of fire, right? You have a smoke alarm in your house. Many of them, depending on how would your house is, require them.<\/p>\n

Do you can\u2019t move in or buy one without one. Do you make sure it\u2019s working? Why? “Well, I want smoke alarm. I want to be able to get out of there if there\u2019s a fire.” Exactly. Look at what you have to do in order to get homeowner\u2019s and fire insurance, and if you didn\u2019t blow that candles out and your house caught fire because of the candle, they might accuse you of arson and they wouldn\u2019t pay off. You know that, so you may… Why isn\u2019t any of this stuff applicable in health insurance?<\/p>\n

Well, we know the answer to that. It\u2019s because it\u2019s been turned into an entitlement because the people behind it want it to be something over which they have control of people. But we\u2019re never gonna fix it. You know our “white comedian,” Paul Shanklin, who does many of our parodies? He sent me a copy of a bill for a family of… Let\u2019s see… Father, mother… Four people, family of four — 36-year-old father, 34-year-old mother, the kids are ages two and six — in 1999, and it is a bill, and the premium is $145.<\/p>\n

And let\u2019s see… Let\u2019s see the health insurance cost. I don\u2019t know if it\u2019s monthly or for the year, but it\u2019s 1999, and if you remember 1999, everybody was complaining about the cost of health care then. Outrageous! It was $145. I really can\u2019t tell if this is a month or a year. The deductible is $4,500. So I\u2019m gonna assume this is a monthly $145. Anyway, you know what it is now? It\u2019s $1,400 for the exact health care plan as 1999.<\/p>\n

Now, admittedly that\u2019s 18 years ago. A long time. But back in 1999, everybody was complaining about how much it cost then, and look what\u2019s happened. With Obamacare and all kinds of attempts to fix it, look what happened! It\u2019s the same thing that\u2019s happened when the government gets involved in “fixing” your cable bill. What happens to your cable bill? It skyrockets. So 145 bucks a month versus $1,400 a month today for the exact same health insurance policy.<\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: People think that whatever is related to their health, that somebody else should pay for it because health is sacred and there ought be no class or economic differences in health because we're all human beings and illnesses don't discriminate, and you know the drill. So what's been accepted is that nobody should have to pay for their health care. It's just how our system has evolved, and so markets are not trusted, markets are not depended on, even by the supposed free-market Republican Party.<\/p>\n","protected":false},"author":49,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0},"categories":[12,1],"tags":[],"yoast_head":"\nDoes Anyone Know What Insurance Is Anymore? - The Rush Limbaugh Show<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:title\" content=\"Does Anyone Know What Insurance Is Anymore? - The Rush Limbaugh Show\" \/>\n<meta name=\"twitter:description\" content=\"RUSH: People think that whatever is related to their health, that somebody else should pay for it because health is sacred and there ought be no class or economic differences in health because we're all human beings and illnesses don't discriminate, and you know the drill. So what's been accepted is that nobody should have to pay for their health care. It's just how our system has evolved, and so markets are not trusted, markets are not depended on, even by the supposed free-market Republican Party.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.rushlimbaugh.com\/wp-content\/uploads\/2017\/03\/American-Health-Care-Act-LOGO.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Prayias\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#website\",\"url\":\"https:\/\/admin.rushlimbaugh.com\/\",\"name\":\"The Rush Limbaugh Show\",\"description\":\"Excellence In Broadcasting\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/admin.rushlimbaugh.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.rushlimbaugh.com\/wp-content\/uploads\/2017\/03\/American-Health-Care-Act-LOGO.jpg\",\"contentUrl\":\"https:\/\/www.rushlimbaugh.com\/wp-content\/uploads\/2017\/03\/American-Health-Care-Act-LOGO.jpg\",\"width\":705,\"height\":370},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/#webpage\",\"url\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/\",\"name\":\"Does Anyone Know What Insurance Is Anymore? - The Rush Limbaugh Show\",\"isPartOf\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/#primaryimage\"},\"datePublished\":\"2017-03-07T18:00:00+00:00\",\"dateModified\":\"2017-03-08T21:23:38+00:00\",\"author\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#\/schema\/person\/a2bc43fbe4b4e1ff4d1f092c6086a349\"},\"breadcrumb\":{\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.rushlimbaugh.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Does Anyone Know What Insurance Is Anymore?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#\/schema\/person\/a2bc43fbe4b4e1ff4d1f092c6086a349\",\"name\":\"George Prayias\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a43c262983f0228d5f474ce08e691cf9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a43c262983f0228d5f474ce08e691cf9?s=96&d=mm&r=g\",\"caption\":\"George Prayias\"},\"url\":\"https:\/\/admin.rushlimbaugh.com\/daily\/author\/georgeeibnet-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Does Anyone Know What Insurance Is Anymore? - The Rush Limbaugh Show","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/live-rush-limbaugh.pantheonsite.io\/daily\/2017\/03\/07\/does-anyone-know-what-insurance-is-anymore\/","twitter_card":"summary","twitter_title":"Does Anyone Know What Insurance Is Anymore? - The Rush Limbaugh Show","twitter_description":"RUSH: People think that whatever is related to their health, that somebody else should pay for it because health is sacred and there ought be no class or economic differences in health because we're all human beings and illnesses don't discriminate, and you know the drill. 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