Happy Ides of March Eve of the third Super Duper Terror Tuesday of the year, everybody!
I must confess that, suffering as I am from a severe case of Presidential Horse Race overload, I paid only scant attention to last night's Democratic town hall from Ohio. But this exchange between Hillary Clinton and a middle-aged woman from the audience,named Joyce, really got my ear. It encapsulates the cynicism, cluelessness, and utter lack of empathy beneath a thin mask of technocratic concern that is at the very heart of the Clinton candidacy:
QUESTION: I have voted for Obama, and then my health insurance skyrocketed from $409 a month to $1,090 a month for a family of four. I know Obama told us that we would be paying a little more, but doubling – over doubling my health insurance cost has not been a little more. It has been difficult to come up with that kind of payment every month. I would like to vote Democratic, but it's cost me a lot of money, and I'm just wondering if Democrats really realize how difficult it's been on working class Americans to finance Obama care.
(APPLAUSE)
CLINTON: Wow, Thank you for asking me
that, because. May I ask you, before you were buying your family health
insurance in the individual family market? Were you getting it through
the employer? How were you insured before?
QUESTION: I was purchasing it privately, because we both had bouts of unemployment.
CLINTON: So you were going to a broker and buying a health insurance policy.
QUESTION: Yes.
CLINTON: And in effect, it nearly
tripled after you went on to the exchange and bought a policy under the
Affordable Care Act, is that right?
QUESTION: We could not do that. It was much more expensive than just purchasing private insurance from the insurance company.
CLINTON: So you are still buying private insurance directly?
QUESTION: Yes.
CLINTON: OK. Well, first of all, let me
say I want very much to get the costs down, and that is going to be my
mission, because I do think that for many, many people, but there are
exceptions like what you are telling me, having the Affordable Care Act
has reduced costs, has created a real guarantee of insurance, because if
you'd had a pre-existing condition under the old system, you wouldn't
have gotten affordable insurance.
So it has done a lot of really good
things, but, it has become increasingly clear that we are going to have
to get the costs down. And what I would like to see happen for you and
your family is that if we can get the co-pays down, the deductibles
down, get the prescription drug costs under control, that you would find
an affordable plan on your exchange.
And one thing that I would like you to
do, and I'm not saying it's going to make a difference, but I would like
you to just go shopping on that exchange. As I understand it, Ohio has
the federal exchange, is that right, Joyce? Because they did not set
up a state exchange.
So you have the federal exchange. And to
go on and keep looking to see what the prices are, because we have to
get more competition back into the insurance market. One thing that I
want to work on with my friends from Congress who are here is we've got
the get more non-profits that are capable of selling insurance back into
the insurance market.
You know, Blue Cross and Blue Shield used
to be non-profits. And then they transferred themselves into
for-profit companies. And there was some effort made under the
Affordable Care Act to get some competition from non-profit
institutions, some of them worked and a lot of them didn't.
I want to know what we can do, because if
you could get a range of insurers, some of who were not-for-profit
companies, that would lower costs.
So there is a number of things I am
looking at. And what I want to assure you and your family of is I will
do everything I can as president, working with members of Congress where
necessary, to try to get the costs down.
But I do want you to keep shopping,
because what you are telling me is much higher than what I hear from
other families, and so I want to be sure that if there is a better
option out there for you, you're going to be able to take advantage of
it.
And then I'll work as hard as I can to
get the costs down for everybody, and that includes prescription cost
drugs, which are skyrocketing and increasing costs for everything else.
***
How does Hillary Clinton verbally diminish and insult this woman living on the edge? Let us parse the ways.
First, she disingenuously professes shock at Joyce's plight. "Wow!" She immediately casts her questioner as an anomaly in the wonderful world of market-based medical insurance for profit. Ignoring Joyce's all-too-common experience with precarious employment, Hillary pounces on her deficient shopping skills.
Joyce's big problem, in Hillary's view, is not that insurance companies are greedy. It's that Joyce has lazily put her trust in a greedy insurance broker. She gave up on Internet shopping too easily. She didn't shop around.
Next, Clinton goes full Pangloss, reminding Joyce that it could always be worse. At least her pre-existing conditions won't be held against her any more. Of course she'll have to pay more, because her conditions are not the fault of the profit-driven insurance cartel contributing handsomely to Hillary's campaign and paying her generously for private speeches. It's not the insurance cartel's problem that healthy people aren't signing up for product in the droves that the White House originally predicted. It's not the insurance cartel's fault that sick people are gaming the system by daring to try and use insurance product, thereby forcing the cartel members to either drop out or merge, thus driving up rates.
As sure as the wind's gonna blow, Joyce, insurance companies will come and go, and merge, and screw you any way they can. So you better shop around. Try to get a bargain for your son, and don't get sold on the very first one. You gotta shop around. It is your duty as an American citizen.
As sure as the wind's gonna blow, Joyce, insurance companies will come and go, and merge, and screw you any way they can. So you better shop around. Try to get a bargain for your son, and don't get sold on the very first one. You gotta shop around. It is your duty as an American citizen.
Clinton also didn't bother asking the woman how many crappy jobs she has to work in order to make ends meet. She didn't ask if Joyce even has access to a computer or an Internet connection. She didn't ask if she has any time to spare in a futile quest to save a few bucks on her monthly insurance premium, which probably nears or even surpasses the amount the family has to pay in rent or their mortgage. She didn't want to know what it will cost Joyce in co-pays and deductibles, should she ever attempt to use her overpriced insurance.
Hillary instead doubled down in implicitly blaming Joyce for not getting a better rate. Joyce's very typical horror story is apparently not what Hillary is used to selectively hearing. Her trite response is to keep on shopping till you drop to save a buck on overpriced insurance product. Stop being such an inept consumer, Joyce, and maybe you won't keep feeling so sad and blue now.
Because in Hillary World, health is not a basic human right. In Hillary World, there are no people who must choose between taking medicine and paying the electric bill. In Hillary World, there is no precariat.
There are only consumers ripe for extraction and exploitation.
HR 676: Medicare for All. Everybody covered from cradle to grave. Pay a slightly higher tax rate and forget about shopping around till you drop, forget about premiums, co-pays and deductibles.
You better shop around. Voting for Bernie is probably still the best bang for your buck.