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Thursday, January 2, 2014

The price of political ignorance: More government

The price of political ignorance: More government

MCLEAN, VA - NOVEMBER 05: Voters line up at a polling station to cast their votes on Election Day November 5, 2013 at Spring Hill Elementary School in McLean, Virginia. Democratic gubernatorial candidate for Virginia Terry McAuliffee is running against Republican Ken Cuccinelli, the current attorney general of Virginia, to succeed Bob McDonnell to be the next Virginia governor. (Photo by Alex Wong/Getty Images) (Alex Wong/Getty Images)
 Published: WEDNESDAY, JANUARY 01, 7:34 PM ET 

It was naughty of Winston Churchill to say, if he really did, that “the best argument against democracy is a five-minute conversation with the average voter.” Nevertheless, many voters’ paucity of information about politics and government, although arguably rational, raises awkward questions about concepts central to democratic theory, including consent, representation, public opinion, electoral mandates and officials’ accountability.

In “Democracy and Political Ignorance: Why Smaller Government is Smarter” (Stanford University Press), Ilya Somin of George Mason University law school argues that an individual’s ignorance of public affairs is rational because the likelihood of his or her vote being decisive in an election is vanishingly small. The small incentives to become informed include reducing one’s susceptibility to deceptions, misinformation and propaganda. And if remaining ignorant is rational individual behavior, it has likely destructive collective outcomes.

Somin says that during the Cold War in 1964, two years after the Cuban missile crisis, only 38 percent of Americans knew the Soviet Union was not a member of NATO. In 2003, about 70 percent was unaware of enactment of the prescription drug entitlement, then thelargest welfare-state expansion since Medicare (1965). In a 2006 Zogby poll, only 42 percent could name the three branches of the federal government.

Voters cannot hold officials responsible if they do not know what government is doing, or which parts of government are doing what. Given that 20 percent thinks the sun revolves around the Earth, it is unsurprising that a majority is unable to locate major states such as New York on a map. Usually only 30 percent of Americans can name their two senators. The average American expends more time becoming informed about choosing a car than choosing a candidate. But, then, the consequences of the former choice are immediate and discernible.

Many people, says Somin, acquire political knowledge for the reason people acquire sports knowledge — because it interests them, not because it will alter the outcome of any contest. And with “confirmation bias,” many people use political information to reinforce their preexisting views. Committed partisans are generally the most knowledgeable voters, independents the least. And the more political knowledge people have, the more apt they are to discuss politics with people who agree with, and reinforce, them.

The problem of ignorance is unlikely to be ameliorated by increasing voter knowledge because demand for information, not the supply of it, is the major constraint on political knowledge. Despite dramatic expansions of education and information sources, abundant evidence shows the scope of political ignorance is remarkably persistent over time. New information technologies have served primarily to increase the knowledge of the already well-informed, which increases the ability of some to engage in “rent-seeking” from the regulatory state, manipulating its power in order to transfer wealth to themselves. And if political knowledge is measured relative to government’s expanding scope, ignorance is increasing rapidly: There is so much more to be uninformed about.

A better ameliorative measure would be to reduce the risks of ignorance by reducing government’s consequences — its complexity, centralization and intrusiveness. In the 19th century, voters’ information burdens were much lighter because important federal issues — the expansion of slavery, the disposition of public lands, tariffs, banking, infrastructure spending — were much fewer.

Political ignorance helps explain Americans’ perpetual disappointment with politicians generally, and presidents especially, to whom voters unrealistically attribute abilities to control events. The elections of 1932 and 1980 dramatically illustrated how voters primarily control politicians — by “retrospective voting,” refusing to reelect them.

Some people vote because it gives them pleasure — the satisfaction of expressive behavior — and because they feel duty-bound to cast a ballot that, by itself, makes virtually no difference, but affirms a process that does. And although many people deplore the fact that U.S. parties have become more ideologically homogenous, they now confer more informative “brands” on their candidates.

Political ignorance, Somin argues, strengthens the case for judicial review by weakening the supposed “countermajoritarian difficulty” with it. If much of the electorate is unaware of the substance or even existence of policies adopted by the sprawling regulatory state, the policies’ democratic pedigrees are weak. Hence Somin’s suggestion that the extension of government’s reach “undercuts democracy more than it furthers it.”

An engaged judiciary that enforced the Framers’ idea of government’s “few and defined” enumerated powers(Madison, Federalist 45), leaving decisions to markets and civil society, would, Somin thinks, make the “will of the people” more meaningful by reducing voters’ knowledge burdens. Somin’s evidence and arguments usefully dilute the unwholesome democratic sentimentality and romanticism that encourage government’s pretensions, ambitions and failures.

Wednesday, January 1, 2014

5 ObamaCare Nightmares for Democrats in 2014

5 ObamaCare Nightmares for Democrats in 2014

on Wed, 1 Jan 2014

Democrats are no doubt eager to put 2013 and the disastrous ObamaCare roll-out behind them. There is, however, a reason they pushed implementation of the health care law until well after Obama's reelection. There are 5 major reasons the Democrats long ObamaCare nightmare is just beginning. 

1. People who think they have coverage, don't.

Approximately 2 million Americans have signed up for ObamaCare, far below the Administration's goal. As these Americans may learn, though, signing up for coverage through the exchanges doesn't mean they have coverage. Many haven't yet made their first premium payment. Washington and Nevada, the only states that report this number, say half of the enrollees have not made a premium payment. The Obama Administration has pressured insurance companies to accept payments until January 10th. It is unclear, however, if people even understand they need to make a payment. 

Beyond this, there are problems with processing individual applications. The state of Iowarecently asked 16,000 people to reapply for insurance, because of ongoing problems with the federal exchange. The state of Oregon made robocalls to thousands of residents, warning them to seek coverage on their own if they hadn't heard from the state exchange by December 23. Potentially hundreds of thousands of people are entering the new year thinking they have coverage and will soon learn the don't. 

2. Millions more people will lose insurance in 2014.

News that 5 million individuals had their health insurance policies cancelled at the end of 2013 came as a shock to most Americans. Obama and Democrats who supported ObamaCare had repeatedly assured the public that if they like their policy they could keep it. The fact that wasn't true smashed their credibility. Unfortunately for Democrats, millions more Americans will have their existing policies cancelled next year. 

If a person in the individual insurance market renewed their policy in 2013, they didn't receive a cancellation notice. They will next year, however. Potentially 10-15 million Americans will have their policies cancelled, just aead of the mid-term elections. 

3. Deductible Shock

Many first-time buyers of insurance coverage are likely to be shocked by the high deductiblesunder ObamaCare's most affordable plans. Under the cheapest plan in ObamaCare, a family of 4 would have to pay over $12,000 in medical bills before insurance kicked in. Every year. Arecent study found that just 14% of Americans understood insurance provisions like "deductibles" and "co-pays." The other 86% are due for a big shock in 2014. 

4. Insurance Premium Sticker Shock

ObamaCare only "works" if millions of healthy, young adults buy health insurance. Their premiums are needed to subsidize insurance for older and sicker adults. For young adults, though, anything beyond a catastrophic plan is largely unnecessary. The ObamaCare exchanges have not reported demographic information for people buying coverage, but it is reasonable to assume, given the difficulty of signing up, that those who most need coverage, i.e. older and sicker adults, make up a large share of new enrollees. 

Even though many Americans are already facing higher premiums through ObamaCare, the costs could skyrocket even more next year unless millions of healthy people buy coverage. Insurance companies will have to drastically increase premiums to cover their costs. This will make coverage more unaffordable for many Americans, potentially causing a "death spiral" in coverage. As relatively health Americans drop coverage, premiums will have to increase for those who are in the most need of medical care. 

5. Employer Mandate 

In July 2013, President Obama announced that he had unilaterally decided to delay ObamaCare's mandate that employers provide coverage until 2015. Employers with more than 50 employees now have to provide health insurance or pay a penalty, effective January 1, 2015. The penalty for not providing coverage is $3,000 per employee. For many businesses, it will be cheaper to pay the penalty than provide health insurance, when there is so much uncertainty about future premium costs. 

This is a feature of the law, not a bug. The long-term goal is to get Americans out of employer-provided health coverage and into the exchanges, leading ultimately to a single-payer system. Had Democrats really wanted to encourage employers to provide coverage, they would have made the penalty higher than annual premium costs. They also wouldn't have put a tax on policies offered by employers. 

Unfortunately for Democrats, businesses will inform their employees of their plans around the middle of 2014, just before the midterm elections. Many businesses will alter their operations to fall below the mandate threshold. Others will simply drop coverage and pay the penalty. This will be a shock for most people, especially since most Americans have health insurance through their employer. That this shock could come just weeks before the midterm elections will create a nightmare for Democrats on the ballot. 

As we enter 2014, Democrats are trying to reassure themselves that Americans will eventually embrace ObamaCare. They point to the "good" things in the law, i.e. parents able to keep kids on their policy until they are 26, free health screenings and new prescription drug benefits. The problem for Democrats, however, is that those provisions are already in effect and have been since 2010. Any benefit Americans perceive from these provisions is already factored into their views of ObamaCare. 

The Democrats front-loaded all the "good" provisions in ObamaCare and put off the politically painful provisions until after Obama's reelection. The tab is coming due in 2014, however. The potentially very negative consequences of the law will unfold throughout the year. Americans will finally find out "what's in the bill." They are not likely to be happy. 

Obama faces resurgent al Qaeda in 2014

Obama faces resurgent al Qaeda in 2014
By Carlo Muñoz - 01-01-14 09:00 AM EST

President Obama and his national security team are facing a number of security threats in the New Year.

From turmoil in Afghanistan to the growth of al Qaeda cells, defense and intelligence officials are grappling with a host of challenges.

Here are the top five threats facing the nation in 2014.

AFGHANISTAN
The Pentagon and Afghan President Hamid Karzai are at odds over the terms of a bilateral security agreement that would set the ground rules for U.S. forces after 2014.

U.S. officials pressed Karzai to ratify the pact by the end of 2013, but backed down over concerns that a deal might collapse.

President Obama is considering a complete withdrawal from Afghanistan, but many fear the “zero option” would lead to a repeat of Iraq, where the lack of U.S. forces allowed for a resurgence of al Qaeda and a wave sectarian violence against Iraqi forces and civilians. 

Defense officials also fear that the Taliban could quickly return to power.

A recent assessment by U.S. intelligence officials on postwar Afghanistan, first reported by The Washington Post, predicted the Taliban would become increasingly influential in Afghanistan, even if the U.S. leaves several thousand troops behind for training after 2014.

SYRIA
Concern is also mounting in Washington about the rise of al Qaeda in war-torn Syria.

Most recently, the group's Iraqi cell and offshoots in Syria have united into the Islamic State of Iraq and Levant. The White House and intelligence officials say the group aspires to hit the U.S. and allied targets in the West. 

There are also signs that militant Islamist groups have gained the upper hand in Syria’s civil war.

The unexpected departure of Gen. Salim Idris, head of the secular U.S.-backed Syrian Military Council, "is a big problem" for administration officials who saw the group as the legitimate successor to President Bashar Assad, Defense Secretary Chuck Hagel said last month.
Washington was recently forced to suspend aid shipments to Syrian rebel groups after members of the Islamic Front took over several warehouses in northern Syria, raising the possibility that the U.S. might have to reassess its strategy.

RESURGENT AL QAEDA
Al Qaeda's resurgence hasn’t been limited to Syria and the Mideast. 

The group's Yemeni faction, dubbed al Qaeda in the Arabian Peninsula (AQAP), and the North African affiliate, known as al Qaeda in the Islamic Maghreb (AQIM), arethe two most dangerous and most active terror cells looking to strike inside the United States.

The State Department in August was forced to shutter 19 embassies across the Middle East and North Africa in response to an AQAP plot that was picked up by U.S. intelligence. 

Most recently, fighters from the Yemeni branch launched a deadly suicide bombing in the country's capitol of Sanaa, targeting Yemen's Defense Ministry. 

In Africa, meanwhile, AQIM leaders have strengthened their ties to local terror groups like Al Shabaab and the Nigerian-based terror group Boko Haram.

U.S. military and intelligence officials are struggling to infiltrate the African-based terror groups. The relatively small network of intelligence assets on the continent pales in comparison to the resources available in places such as Afghanistan and Pakistan.

CHINA
U.S. military strategists also face a challenge in curtailing China's aggressive expansion in the Asia-Pacific region. 

Chinese leaders instituted a series of new rules for U.S. allied military aircraft operating in the skies above the Diaoyutai and Senkaku islands in the East China Sea. 

The rules, which are part of Beijing's so-called "Air Defense Identification Zone," require U.S. forces to identify themselves and their mission to Chinese forces.

Prior to creation of the restricted zone, the area over the East China Sea was considered international airspace. 

China's decision drew strong rebuke from the Pentagon, who refused to recognize the no-fly zone. Hagel said the move "increases the risk of misunderstanding and miscalculations" between Washington and China. 

China’s recent actions are a reflection of wider geo-political perceptions of the Obama administration, Sen. John McCain (R-Ariz.) told The Hill in December. 

“Countries like China will push because they think they can get away with it,” he said.

IRAN
The U.S. is trying to stop Iran’s nuclear program through diplomacy, but there’s no guarantee of success.

U.S. and Iranian negotiators agreed to a six-month deal that requires Iran to stop enriching uranium above 5 percent for six months, dilute half of the 20 percent enriched uranium, and stop upgrading various enrichment facilities.

In return, the Obama White House agreed to lift sanctions on Iran's petrochemical, precious metals and auto sectors.

But congressional Republicans and several U.S. allies, led by Israel, have been adamantly opposed to the deal, arguing the pact will allow Tehran to continue its effort to develop a nuclear weapon. 

With criticism mounting, it’s possible the nuclear talks will end in failure and put the U.S. and Iran on the path to conflict.

If 2013 Was Hard on Obamacare, Just Wait for 2014

If 2013 Was Hard on Obamacare, Just Wait for 2014

By Lanhee Chen 
December 30, 2013 11:31 AM EST 


At his end-of-the-year news conference, President Barack Obama called the botched rollout of the Affordable Care Act his single biggest mistake of 2013. That’s putting it mildly. Supporters of Obamacare can’t wait to put this year behind them: From dropped insurance coverage for millions of Americans to the delay of the law’s employer mandate and the problems with HealthCare.gov, 2013 has been nothing short of a disaster.

There are two things that are important to recognize about Obamacare’s difficulties this year. First, people shouldn’t have been surprised that the law was so hard to implement and spawned so much bad press -- in fact, it was designed so that the law’s more politically unpopular provisions would take effect only after the 2012 elections.

Second, as bad as 2013 has been for Obamacare, the year ahead doesn’t look much better. In fact, 2014 has the potential to be even worse -- for the law, the Obama administration and congressional Democrats.

The drafters of Obamacare recognized that many elements of the law would be unpopular, while other provisions -- allowing people up to the age of 25 to remain on their parents’ plans, ending co-payments for preventive care or closing the “doughnut hole” in Medicare prescription drug coverage -- would be immensely popular with the voting public. These provisions all took effect shortly after the law was signed in 2010.

So, what was left for 2013 and beyond, after Obama had been re-elected president, were a series of provisions that Democrats knew would cause more political and policy trouble. Millions of Americans in the individual market being dropped from their existing plans is directly related to Obamacare’s essential health benefits requirement, which mandates coverage across 10 categories and goes into effect in 2014. And the one-year delay in the effective date of the employer mandate, which now starts in 2015, was an attempt to delay some of the law’s negative labor market effects -- cuts in wages, hours and employment -- until after the midterm elections in November 2014.

Now that 2013 is drawing to a close, we see why Obamacare’s drafters did what they did. Obama’s approval ratings are at or near all-time lows, but that matters little to a White House that already won four more years. And while Republicans in Washington and in state capitals across the U.S. have successfully directed the public’s attention toward Obamacare’s woes, their failure to win the White House or a Senate majority in 2012 means that outright repeal of the law remains a pipe dream for now.

Unfortunately for Obamacare’s supporters, the story doesn’t end there. Nor do the political ramifications for Democrats. It may be that 2014 is an even rougher year for the ACA than 2013 was, and I think that will be the crucial reason Republicans regain control of the Senate in the midterm elections. Here’s why.

First, some of Obamacare’s least popular provisions go into effect in 2014. This includes a new $60 billion tax on health insurers, which will be levied relative to premiums collected and directly passed on to consumers. And, of course, Obamacare’s requirement that individuals secure health insurance coverage (or pay a tax penalty) kicks in during the coming year as well.

Second, millions of Americans who buy their coverage on the individual market or get it through small employers will be shocked by just how much their premiums go up in 2014. The young and healthy will be especially susceptible to this rate shock, and this in turn will further drive them away from purchasing coverage in future years. Given skyrocketing premiums, the economic incentives for many of these “young invincibles” are aligned against buying coverage in the coming years. But these are also the people that the ACA most needs to be enrolled through its health insurance exchanges to offset the comparatively higher risk and costs associated with insuring the sick and old. These dynamics may lead to even higher premiums in the coming years.

Third, not only will millions of Americans on the individual and small group markets who like their plans be unable to keep them in 2014, but many will experience what it’s like to be unable to continue seeing the doctors they know and trust. As health insurers face pressure to keep costs down while providing the richer package of benefits that Obamacare mandates, many are limiting their networks of doctors and other health-care providers. A cancer survivor’s opinion article in the Wall Street Journal illustrated the horrible situation that Obamacare will place some Americans in: Being forced to choose between doctors that have been critical to their care or, in some cases, not having access to any of their existing health-care providers.

Finally, Obamacare’s Medicare cuts will continue to hurt senior citizens. For the 14 million people enrolled in the Medicare Advantage program, the ACA’s $200 billion in cuts over the next 10 years will accelerate in 2014 and have tangible impacts on beneficiaries. Insurers predict that seniors in Medicare Advantage plans will see higher premiums, increased cost-sharing for primary and specialist visits, and limits on the doctors they can see. Although the ACA is not solely responsible for the headwinds the Medicare Advantage program faces, it will (and should) shoulder most of the blame.

While President Obama might hope he can put all of Obamacare’s woes behind him when the clock strikes midnight on New Year’s Eve, the reality is that the worst is only just beginning. Democrats in Congress and around the country will be the ones forced to deal with the collateral damage created by the president’s misguided effort to remake the American health care system.

Inequality -- Crisis or Scam

Inequality -- Crisis or Scam

By Pat Buchanan - December 31, 2013



When President Richard Nixon arrived in Beijing in 1972, Chairman Mao Zedong -- with his Marxist revolution, Great Leap Forward and Great Proletarian Cultural Revolution -- had achieved an equality unrivaled anywhere.

That is, until Pol Pot came along.



Read more: http://www.realclearpolitics.com/articles/2013/12/31/inequality_--_crisis_or_scam_121093.html#ixzz2pAEaiKLB 
Follow us: @RCP_Articles on Twitter

PRUDEN: Betrayal that whitewash won’t cover Former Secretary of State Hillary Rodham Clinton walks past the Presidential seal in the East Room of the White House in Washington, Wednesday, Nov. 20, 2013, after a ceremony where President Barack Obama awarded the Presidential Medal of Freedom to former President Bill Clinton and others. (AP Photo/Jacquelyn Martin) By Wesley Pruden -The Washington Times Monday, December 30, 2013 Transparency, the current vogue word for truth-telling, is usually a good thing, unless you’re trying to fool all the people some of the time, like spending 7,000 words to resurrect a fairy tale in Benghazi, all to give a helping hand to a lady in distress. The New York Times understands that Hillary Clinton is likely to be the only credible hope the Democrats have for 2016 and that she already needs lots of remedial help. The Times huffed and puffed to deliver an excuse for betrayal in Benghazi, meant to second Mrs. Clinton’s famous alibi for her tortured misfeasance as secretary of state — “What difference, at this point, does it make?” SEE RELATED: Intel community: NY Times wrong, al Qaeda links in Benghazi are clear The right response might have made a lot of difference to an American ambassador who lay dead, slain at the hands of Islamic terrorists, and three other Americans who had to give up their lives because nobody at the White House could be bothered to ride to the rescue. President Obama and his frightened and timid acolytes, including Mrs. Clinton, insisted that this was not Islamic terror or the perfidy of al Qaeda, but merely the reaction of innocent Muslims offended by a video posted on YouTube mocking the religion of the Prophet Muhammad. Even after the White House dispatched Susan Rice, who was then the U.S. ambassador to the United Nations, to push the confection about the video as revealed truth, almost nobody believed it. The White House couldn’t even find anybody else who would say he believed it. David Kirkpatrick, the Cairo bureau chief of The New York Times, grunted, burped and produced a tiny mouse of special pleading, an account with nothing new of much importance, except a few colorful facts of the sort that were once the popcorn of newsmagazine journalism. He describes, for example, the vase in the living room of the mother of one of the suspects in the Benghazi attack. Vases are no doubt important, but mostly to interior decorators. This account, so transparent to anyone who reads it even with casual attention, seems hardly worth the effort of a good reporter who was willing to take certain risks to himself. It’s important to Hillary and her presidential campaign, now in its early planning, to repeat the con that al Qaeda was not in any way involved, because Mr. Obama was supposed to have killed al Qaeda graveyard dead when he dispatched Navy SEALs to terminate Osama bin Laden with extreme prejudice. The length and timing of the account naturally whetted appetites for more in Washington, where the art of the reading of the entrails of exotic animals in search of hidden meanings has been raised to science. But why was such work, once accomplished, relegated to publication, front-page placement or not, in the deadest news week of the year? This is the week when news editors usually must be satisfied with a factory fire in Lower Volta or a flood in Upper Slobbovia to fill their pages. The Benghazi whitewash, such as it was, appeared unexpectedly and disappeared just as quickly. The Drudge Report, read in every newsroom as an invaluable tip sheet, treated it as a top story on Sunday morning, when it was fodder for the Sunday morning talk shows, and on Monday the story was gone, replaced by stories about two men planning their same-sex wedding on a float in the Rose Bowl parade, a Florida woman arrested for beating up her boyfriend because he wouldn’t take her to bed for a cuddle, and a Louisville man who disturbed the peace in a bingo parlor by dropping his pants and racing through the hall shouting, “Bingo!” Hearts among Hillary’s campaigners no doubt quickened when they saw the front page of The New York Times on Sunday, but the story is hardly likely to change anybody’s game. The early word is that Congress was not impressed, and not just the usual Republican suspects. Rep. Adam Schiff of California, a Democrat on the House Intelligence Committee, complimented The Times for adding “valuable insights” (unidentified), but observed that The Times’ account was “heavily reliant obviously on people … who had reason to provide the story that they did.” PHOTOS: Top 10 handguns in the U.S. Benghazi remains the most toxic example of feckless incompetence and criminal impotence in the face of crisis that will be the legacy of Barack Obama’s presidency. Hillary Clinton was part of that, and she shares the legacy of Benghazi that will haunt her for the rest of her life. Ours, too, alas.

PRUDEN: Betrayal that whitewash won’t 

Transparency, the current vogue word for truth-telling, is usually a good thing, unless you’re trying to fool all the people some of the time, like spending 7,000 words to resurrect a fairy tale in Benghazi, all to give a helping hand to a lady in distress.

The New York Times understands that Hillary Clinton is likely to be the only credible hope the Democrats have for 2016 and that she already needs lots of remedial help. The Times huffed and puffed to deliver an excuse for betrayal in Benghazi, meant to second Mrs. Clinton’s famous alibi for her tortured misfeasance as secretary of state — “What difference, at this point, does it make?”


SEE RELATED: Intel community: NY Times wrong, al Qaeda links in Benghazi are clear


The right response might have made a lot of difference to an American ambassador who lay dead, slain at the hands of Islamic terrorists, and three other Americans who had to give up their lives because nobody at the White House could be bothered to ride to the rescue. President Obama and his frightened and timid acolytes, including Mrs. Clinton, insisted that this was not Islamic terror or the perfidy of al Qaeda, but merely the reaction of innocent Muslims offended by a video posted on YouTube mocking the religion of the Prophet Muhammad.

Even after the White House dispatched Susan Rice, who was then the U.S. ambassador to the United Nations, to push the confection about the video as revealed truth, almost nobody believed it. The White House couldn’t even find anybody else who would say he believed it.

David Kirkpatrick, the Cairo bureau chief of The New York Times, grunted, burped and produced a tiny mouse of special pleading, an account with nothing new of much importance, except a few colorful facts of the sort that were once the popcorn of newsmagazine journalism. He describes, for example, the vase in the living room of the mother of one of the suspects in the Benghazi attack. Vases are no doubt important, but mostly to interior decorators. This account, so transparent to anyone who reads it even with casual attention, seems hardly worth the effort of a good reporter who was willing to take certain risks to himself.

It’s important to Hillary and her presidential campaign, now in its early planning, to repeat the con that al Qaeda was not in any way involved, because Mr. Obama was supposed to have killed al Qaeda graveyard dead when he dispatched Navy SEALs to terminate Osama bin Laden with extreme prejudice.

The length and timing of the account naturally whetted appetites for more in Washington, where the art of the reading of the entrails of exotic animals in search of hidden meanings has been raised to science. But why was such work, once accomplished, relegated to publication, front-page placement or not, in the deadest news week of the year? This is the week when news editors usually must be satisfied with a factory fire in Lower Volta or a flood in Upper Slobbovia to fill their pages. The Benghazi whitewash, such as it was, appeared unexpectedly and disappeared just as quickly. The Drudge Report, read in every newsroom as an invaluable tip sheet, treated it as a top story on Sunday morning, when it was fodder for the Sunday morning talk shows, and on Monday the story was gone, replaced by stories about two men planning their same-sex wedding on a float in the Rose Bowl parade, a Florida woman arrested for beating up her boyfriend because he wouldn’t take her to bed for a cuddle, and a Louisville man who disturbed the peace in a bingo parlor by dropping his pants and racing through the hall shouting, “Bingo!”

Hearts among Hillary’s campaigners no doubt quickened when they saw the front page of The New York Times on Sunday, but the story is hardly likely to change anybody’s game. The early word is that Congress was not impressed, and not just the usual Republican suspects. Rep. Adam Schiff of California, a Democrat on the House Intelligence Committee, complimented The Times for adding “valuable insights” (unidentified), but observed that The Times’ account was “heavily reliant obviously on people … who had reason to provide the story that they did.”


PHOTOS: Top 10 handguns in the U.S.


Benghazi remains the most toxic example of feckless incompetence and criminal impotence in the face of crisis that will be the legacy of Barack Obama’s presidency. Hillary Clinton was part of that, and she shares the legacy of Benghazi that will haunt her for the rest of her life. Ours, too, alas.

Half of Obamacare 'Enrollees' Have Yet to Pay

Half of Obamacare 'Enrollees' Have Yet to Pay

on Tue, 31 Dec 2013

Half of the people who have signed up for Obamacare in 17 states have not activated their health insurance plans by making their first premium payment, a trend that threatens to further embarrass and frustrate President Barack Obama and the highly unpopular Obamacare program. 

Health insurance plans purchased through Obamacare only kick in once a customer pays their first month's premium. On Monday, the Wall Street Journal reported that "only about half of enrollees billed for plans offered by more than 100 insurers in 17 states had paid their first month's premium," according to Benaissance chief strategy officer Mark Waterstraat, whose firm serves as a third-party billing company for insurers. Another insurer, Scott & White Health Plan, told the Journal that only 35% of its enrollees have paid for the plans they applied for. 

The Obama administration remains far behind its 7 million enrollment target but has recentlycelebrated what it calls two million Obamacare "enrollments." Yet that figure merely reflects the number of applications submitted, not the number of paying customers who have turned on their plans by actually paying for coverage. Whether insurers in the other 33 states are experiencing nonpayment rates in the 35% to 50% range is presently unknown. If those rates extended nationally, they would mean the Obama administration's claim that it has enrolled two million people in Obamacare would plunge to just 700,000 to one million. 

Even progressive groups like the left-leaning journalism group ProPublica say the emergence of an Obamacare nonpayment gap raises "the prospect that actual enrollment will be far lower than the figures HHS [Health and Human Services] is releasing." 

Part of the problem may be the costs of the plans offered through Obamacare. A recent USA Today analysis found that over half of all counties in the 34 states on the federalHealthCare.gov exchange "lack even a bronze plan that's affordable by the government's own definition."

"There is also a lot of worrying going on over people making payments," industry consultant Robert Laszewski told ProPublica. 

Experts say that first-time insurance buyers may not fully understand the duties and responsibilities that come with ownership. A recent study published in the Journal of Health Economics found that only 14% of individuals who have health coverage could correctly answer all four of four basic questions about health insurance, including understanding what a “deductible” and “copay” mean. If comprehension levels are that low for those who already have insurance, analysts worry what that might mean for first-time insurance purchasers, especially for a program as complex as Obamacare.

Persistence of the Obamacare nonpayment trend would pose serious challenges for the Obama administration's ability to hit its goal of seven million paying customers by the end of March. 

According to the latest CNN poll, support for Obamacare is now at a record low 35%

Obamacare will cost U.S. taxpayers $2.6 trillionover the next ten years.