Boots & Sabers

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0807, 27 Jun 17

22 Million More Uninsured


Some 22 million Americans could lose their health insurance over the next decade under a Senate bill to replace Obamacare, a congressional report says.

However, the bill would reduce the budget deficit, the non-partisan Congressional Budgetary Office said.

Similar legislation passed by the House was also said to leave millions uninsured. Some Republicans have voiced reservations about the plan.

But the White House disputed the CBO’s figures.

Responding to Monday’s report, it said: “The CBO has consistently proven it cannot accurately predict how healthcare legislation will impact insurance coverage.”

The report is a review of draft legislation unveiled by the Republican party last week.

It is unlikely to be approved by Democrats, who see the proposals as cruel and unfair.

The CBO said that 15 million more people would be uninsured by 2018 under the proposed legislation than under current law, largely because the penalty for not having insurance would be eliminated.

First, I would point out that the CBO estimates for what would happen if we passed Obamacare were waaaaaay off. Remember that this is just a group of people sitting around trying to make an educated guess of how legislation will impact a very dynamic world. I wish they would give a margin of error and standard deviation of their predictions to put them into context. They do, however, couch their predictions with words like “could” and “might,” so it is really on the reporters who run with these reports like they are Gospel.

Second, if the prediction is accurate that 15 million people will have their right to choose restored, then that’s a good thing. That indicates that right now they are being forced to purchase a product that they think they don’t need or want. If we truly are a nation that values liberty and the freedom of Americans to make choices about their own lives, then the CBO report is a welcome tonic.


0807, 27 June 2017


  1. Kevin Scheunemann

    I’m one of those that does not want to be insured.

    Too expensive.

    If I have to go to doctor, I pay out of pocket.

    If I have a catastrophic issue, my choice to risk everything I own.

    I don’t need socialist dictators I need to buy something that is extremely overpriced!


  2. Major Booris

    “If I have a catastrophic issue, my choice to risk everything I own.”

    What I wouldn’t give to be a fly on the wall when you tell your family that, given the choice, your commitment to your economic principles is more important than their financial security.

    Or, to put it in WELS-speak, your role as spiritual authority, protecting them from the soul-corrupting influence of socialized medicine, supersedes your role as provider of their earthly needs.


  3. Kevin Scheunemann


    What you don’t realize is all the health insurance premium saved allows capital to be invested and grow.   Blessings that can be given for ministry and gospel proclaimation.

    Don’t worry, I have a “back-up” plan to shield assets from catastrophie.

    What is insurance anyway?   It is a bet.   You are betting something bad will happen.  Insurance company is betting nothing bad will happen.

    It is a bad bet most of the time.

    What is Christian about forcing people to take a bad bet?

  4. Major Booris

    “Don’t worry, I have a “back-up” plan to shield assets from catastrophie.”

    Doing the balance transfer shuffle with your wife’s credit cards again? Don’t you worry that that might, even on paper, make you subordinate to a woman? “Abstain from all appearance of evil”, and all that.

  5. NHolland

    Mr. Scheunemann,
    “What is insurance anyway? Its a bet.”
    Well, I bet you have home insurance, car insurance and business insurance.
    And shielding assists from catastrophie is another way of saying if I owe a large amount I’M NOT GOING TO PAY. Its people like you that make health insurance unaffordable because you drive up health care costs by not paying. You are no better then a homeless junkie… Wait actually you are worse, at least the homeless junkie has a reason not to pay.

  6. Kevin Scheunemann


    My car loan, home loan, and business loan require me by contract, a contract I voluntarily entered into to get insurance for underlying asset.

    I have no contractual obligation for health insurance, life insurance (but I choose to get that), long term care insurance, dental insurance, eye care insurance, disability insurance, income gap insurance, portfolio protection insurance, umbrella liability insurance, and whatever other kind of insurance there is.

    People get to chooose how much insurance they are comfortable with.  It is not for you to decide for me.   How many of those insurance bets do you want me to take.   All those insurances have risk to taking them and not taking them.  that is for me to decide, not for you to decide for me….you have no idea the complexity of my life goals, stage of life, and my priorities.   You got no clue, so it is not for you to even remotely think you can decide that for me.


    Asset protection is also a form of a bet.   It is less risky, and less costly than health insurance can be.   (Health insurance is now prohibitively costly thanks to Obama care).   Isn’t openly betting big on wrong thing, like costly health insurance, “an appearance of evil”?

  7. NHolland

    NO… You have no right to shield your ASSets from debt incurred and passing said debt along to others. And yes it is my right as a voter to elect people that will force you to have insurance. As Republicans did here in WI with car insurance. To protect the rest of society from the financial burdens put upon us by irresponsible idividuals.
    The more you post the less respect I have for you. You are an embarrassment.

  8. Kevin Scheunemann

    NHoland said:

    “You have no right to shield your ASSets from debt incurred and passing said debt along to others.”

    That is precisely what mandatory, socialist health insurance does!!!!

    You are forcing people to take a bad bet that will not pay off for most… to pay for the debts of others.

    That is not charity, that is oppression.

  9. NHolland

    Crazy foolishness in the form of the switch. Nice try!

  10. Kevin Scheunemann


    At least with my brand of “crazy foolishness” I allow people to choose for themselves.

    You want to choose for others, which is pure oppression.

    That gives me the moral high ground if you even remotely believe in a free society.

  11. NHolland

    And by the way… When your high blood pressure and type two diabetes cause catastrophic health problems and society has to pay for your inpatient care you will be grateful. But first I hope the government finds and takes the property you THINK is shielded to reduce the costs put on the rest of society. Hopefully, someone younger then me will save this post and pass it on to the proper authorities as proof of shielded assists.

  12. NHolland

    You have no moral high ground!

  13. billphoto

    I remember the CBO predicting 32M uninsured people would be insured.  That prediction was revised multiple times bottoming out at 22M.  Adjust out of that the estimated 5.9M people that lost their private insurance so approximately 16.9M people became insured.  Small problem is, it is estimated that over 70% of the newly insured were from ObamaCare expanding Medicaid.  One can argue over the numbers but the bottom line is the CBO’s predictions in this area are, at best, a wide guess.
    The CBO is about as accurate as Barry when, on June 6. 2009, he said, “If you like the plan you have, you can keep it.  If you like the doctor you have, you can keep your doctor, too.  The only change you’ll see are falling costs as our reforms take hold.”  I knew Barry and the CBO were full of it then and I have little doubt the CBO has improved.

  14. Major Booris

    “Isn’t openly betting big on wrong thing, like costly health insurance, “an appearance of evil”?”

    I don’t know, let’s find out. I’ll go buy some health insurance, you go exploit your wife’s good credit to squirm out of some lawfully-incurred debts (again), and we’ll see whose Christian witness takes the bigger hit.

  15. Kevin Scheunemann


    Blood pressure is really good. No diabetis. No need to nanny me about things I do not have.

    I got it covered. If something catastrophic happens and for sake of argument “they take it all”, I can always count on Medicaid, since I probably will have no income in that condition.

    If it makes you feel better. Unlike many Medicaid recipients, I will pay taxes before it comes to that.

    So a “thank you” would be nice for generating tax revenue and jobs for people to pay taxes.


    Never considered that strategy, sounds complicated. I was thinking like LLC’s and estate trusts. People do that all the time to shield from medical payment drain as they age….mostly to protect assets for family members. That is just good financial planning.

  16. NHolland

    Another dodge and switch.
    To claim you have the moral high ground based on your own admission you plan to willfully and intentionally saddle society with your debt while shielding (hiding) your assists is absolutely disgusting. You should be ashamed to call yourself a conservative, a Christian and an American.

  17. Kevin Scheunemann


    You assume I will get sick in a catastrophic sense. That is a terrible thing to hope for.

    Don’t worry, Republicans say they will keep pre-existing condition in, just get insurance when I need it. Problem solved.

    Just foolish to waste huge amounts of money on health premium, when it is not needed.

    Good economic decisions start at home. You can subsidize others. You have every right to make foolish insurance choices, just don’t force foolish choices on rest of us.

  18. NHolland

    And “to shield from medical payment drain as they age” all financial advisers (many) I have spoke with advise Medicare (not Medicaid) with a supplemental insurance policy. That is just good financial planning. Your plan still screws your fellow taxpayer/citizen.

  19. NHolland

    When the choices you make in your home intentionally place a financial burden on others then your choices are wrong, not conservative, not Christian and not American.

  20. Le Roi du Nord


    “Just foolish to waste huge amounts of money on health premium, when it is not needed”.

    Using your logic it would also be foolish to spend any money on national defense, as our shores haven’t been attacked since 1941.

  21. Kevin Scheunemann


    If I don’t get sick, what burden am I placing on anyone?

    Do you have this same, “burden” attitude about people who intentiallly do not work , pay no taxes and live on medicaid coverage their whole life?

    It’s not my job to subsidize the world. It’s my job to take care of my family.

  22. NHolland

    You live in fantasy land!
    No offense but with your obesity issue you ARE going to get sick at some point. When that happens, could be sooner then later, and because you don’t have health insurance you will become a burden. Its not MY job to pay for your medical bills because you “shield” your assets so they can’t be collected.
    I can’t blame you for the continued attempt to dodge and switch. If I said all the nonsense you have in this thread (and others) I would be dodging and switching too.

  23. Le Roi du Nord


    Let’s say your wife or one of the kids needs an organ transplant, or comes down with cancer, etc. .  Do you have that covered?   Or you going to abandon them to the welfare system while you shield your assets?




  24. Kevin Scheunemann


    Wow. You are really keeping close tabs on me. Pretty brave for someone hiding behind a screen name.

    Say what you really want to say….”pay your health insurance you capitalist pig”. My response is: “Better dead than red!”


    Got it covered. Plenty of options. Foreign medical travel is one of great cost effective options for many caught in death line spiral of socialist systems….and for those that choose not to pay pirate, gouging health insurance rates caused by liberals in this country.

  25. Kevin Scheunemann


    Maybe you can learn something, this can be a viable option to destruction liberals have done to our system affordability:

    This is just one of many medical tourism options.

  26. NHolland

    Keeping close tabs on you… Hell who could miss ya! Besides your obesity your over inflated ego is also unbearably hard to miss.
    Point is… You openly admit you are willing (premeditated) to not pay legally incurred bills and openly admit to shielding assists (hiding). I believe when the time comes you are going to find the courts don’t care much about your bullshit theories or opinions. They will collect and hopefully for your troubles they will add on some penalties, fees and fines.
    Hard to be a medical tourist when you have just had a massive stroke. Nice dodge… Not!
    Like I said you live in a fantasy land.

  27. Kevin Scheunemann


    I think you may need to consider backing off your prescription drugs. You might be a little over medicated. What you describe is what would happen if I got insurance as you demand. Health Insurance is meant to shield assets and “dodge” having to pay one’s own medical expenses. You are advocating the precise position you complain about!

    I was just advocating the position of not getting insurance, essentially choosing self insurance, and paying my own medical bills. why is that so detestable to you? We have millions that choose not to work and we fund Medicaid for them in literal perpetuity, where is your complaint for that ongoing “burden”?

    This is why responsible guys like myself do want to be in a mandatory system with guys like you, and much worse, running it. No concern or compassion for risk, reward, priorities, individual choice, and good financial stewardship. We call that central planning slavery. We defeated slavery in 1865. Why do you liberals want to go back to it?

  28. Le Roi du Nord

    I think k may be in for some really cool karma on his medical tourism trip.

    What if the country that offers the best and most economical treatment for his condition practices socialized medicine??  Most do.

    Or what if the country isn’t a christian country??  India, Thailand and Malaysia are in the top 5 places for medical tourism.

    Or what if the country is Muslim??   Turkey is also ranked in the top 5.

    And as a bit of info:  In Wisconsin non-profit hospitals (like the local hospital in my small town) are required to treat the indigent and uninsured.  Those costs are then passed on to paying customers.  For-profit institutions are not required to take the non-payers.

  29. Kevin Scheunemann


    I did not say I was doing medical tourism, just saying it was an option if needed. That is how many escape socialist death waiting lines for life saving procedures in places like England.

    I just find it fascinating you want to force me to take a bet to cover something that may not happen at great, painful, expense. I can only win by not taking that bet and, even if I am wrong, we have treatment options available here and abroad to cover issue cost effectively. Just what is your complaint, that I am not as stupid when it comes to betting?

  30. Le Roi du Nord


    Well, if you refuse to pay here in the US then medical tourism may be your only option.  And please be clear to your care providers when on that trip about your hatred of all religions but your own, your hatred of socialized medicine, and your disbelief of any scientific knowledge.

    When you mature, both mentally and emotionally, you may come to realize that there is more to life than money.  Then maybe you will trade your cash for your health, or that of your family.  As you age that will become more acute with each ache and pain.

  31. Kevin Scheunemann


    you are confusing your hatred of religion with me. People are free to follow false religion. I only proclaim the truth evangelical Christianity. Many want to ignore that truth. That is their eternal consequence. I only “hate” practices of other religions if it interferes with Evangelical Christianity like liberal cult religions of Evolution, global warming, and Islamic terrorists executing Christians. I only disbelieve liberal alarmism dressing up as science going for a giant power grab of freedom, capitalism, and liberty….which is most “science” these days. Hawking making the absurd statement we have to evacuate the planet in 100 years is just more of that ridiculous alarmism.

    So I would thank you to explain my position on science and religion correctly.

  32. Kevin Scheunemann

    …and if there is more to life than money, why are you so anxious to get your hands on mine by forcing me into a bad insurance bet?

    …with you liberals, life is all about coveting what others save, invest, and grow.

  33. Le Roi du Nord


    Thank you for making my point(s).  When you explain ” I only proclaim the truth evangelical Christianity. Many want to ignore that truth. That is their eternal consequence. I only “hate” practices of other religions if it interferes with Evangelical Christianity like liberal cult religions of Evolution, global warming” to the hindhu/buddist/muslim/agnostic doctor that will be doing your procedure, feel safe in the knowledge that they just heard you say your god was better than theirs.  And make sure they didn’t leave anything inside when they closed you up…..

    And I really don’t want any of your tainted money.  That would be really bad karma……


  34. Kevin Scheunemann


    Evangelical Christianity is the absolute truth.   It’s not about my God being better than someone else’s god.  It’s about the truth vs. false teaching.   False teaching is easily spotted….if it teaches some sort of good works based righteousness, that one can earn merit apart from Christ for their salvation.   In Evangelical Christianity, good works are done as part of active, living faith, not as a means to merit Christ’s unmerited grace.

    If you really don’t want any of my “tainted money” then why do you care so much about my very first comment at the top?

    You acted all incredulous, like a kicked a puppy.


  35. Le Roi du Nord

    “Evangelical Christianity is the absolute truth”.   Just like the 6000 year-0ld earth, the majority of the worlds population disagrees with you.  And explain that to the non-christian doctor just before they use the scalpel.   Your intolerance and arrogance know no bounds……

    No incredulous acting on my part, nothing you say surprises me.  And you better not kick any puppies, nor anyone else, around me.

  36. Kevin Scheunemann


    I don’t require everyone to agree with me.   Unlike Islam, those hearing the gospel are free to reject the truth.

    I do not require my doctor to be Christian.   I would prefer someone driven by Christ’s grace to be my doctor, but it is not a requirement for medical skill.

    What was that you say about making stuff up?  Why does debate with you turn from the issue to impugning my character?     Why can’t we just debate the merits of the issue and how liberal policy is destructive?

  37. Le Roi du Nord

    “Why can’t we just debate the merits of the issue”

    OK, how about the 6000 year-old earth claim?  You start, use facts.


  38. Kevin Scheunemann


    Actually you need to show me just how you use “facts” first.

    On the “pre Big Bang singularity”, where did that come from if it was not from nothing?

    Use “facts”.

    The issue I am geting at is: you will need to use “faith” to justify where this singularity come from because science has no facts on it.

    So do you want “facts” or “faith”?

  39. Le Roi du Nord

    OK, I understand, you don’t want to debate your claim that the earth is only 6000 years old, so you switch the subject. It was your suggestion to have a debate on the merits of an issue, now you weasel out.  No surprise.

  40. Kevin Scheunemann


    I want to debate it.   However, I need to see how you treat “facts” on your Big Bang theory.

    You see, what you will lay out as “facts” on Big Bang, is really “faith”.

    When we get to that point, I’m willing to answer any question about creationism.

    I can’t have you apply a double standard to me on “facts”.   You need to realize your godless theory really relies on “faith”.

    Then we can have an intelligent discussion about your faith and my faith.

    We cannot do that if you cannot openly admit your faith about how world began.

    So let’s start.

    Where are the “facts” on where all this material came from prior to the “Big Bang”?

  41. Le Roi du Nord


    No need to deflect any more.  The topic was your claim that the earth is only 6000 years old.  Can you debate that or not?  I can argue that the earth is > 6000 years and cite numerous scientific works to prove my position.       The Big Bang is another topic altogether.

    Soooooo,  only 6000 years old ??  Make your argument.

    Having an “intelligent” discussion with you is impossible.  but I’ll take one that is almost reasonable.

    Another question:  If the earth is 6000 years old, will it be 6001 years old in 2018?   6002 in 2019 ??  How is that precision possible?  Those are reasonable questions, am expecting a reasonable response.

  42. Jason

    “6000 year-0ld”.
    And we get a troll pointing other’s grammatical errors.  Hysterical.

  43. Le Roi du Nord

    Yup, my bad.  Sorry for your inconvenience.

  44. billphoto

    Dems celebrate delay of health care vote.  Would you block people from fixing your screw-up and then celebrate a delay in fixing it?  Really?

  45. Jason

    >Yup, my bad.  Sorry for your inconvenience.

    Maybe you should remember this contrition and apology the next time you want to be an internet dick and bash someone else for a typo.  Also known as “Grow up”.

  46. Le Roi du Nord

    “Grow up”.   Hilarious coming from you, that’s a hoot..   Thanks for the laugh.

  47. Kevin Scheunemann


    I beef to know how you treat “facts” and how much deference you give to faith in the “facts”. That’s why my Big Bang question is important.

    It’s OK to say “I don’t know, but I got faith that is how universe is formed.”

    Will you concede that on my Big Bang material question? Most scientists concede that.

  48. Kevin Scheunemann

    “Need to know….”

  49. Paul

    Way past time for Owen to waste the white nationalist troll.

  50. Le Roi du Nord


    Sorry, you had your chance to debate, answer the questions posed, and you declined.  I’m not surprised, nor disappointed, as I didn’t expect any more from you.


  51. Kevin Scheunemann


    Before we got into it I just needed to know what is “fact” for you in your godless world view and what is “faith”.

    The enormity of your faith in where all the pre-Big Bang material came from will determine whether we can have a great conversation about our respective faith. Or whether you are taking arrogant approach that denies your faith.

    You can’t have a reasonable debate about how the world came into being with someone that denies their own faith.

    I was looking forward to that, but you did not want to play.

  52. Le Roi du Nord


    We won’t get into “it” because you are dodging the debate.

    Is the earth 6000 years old?  If you feel confident, make your argument.

    I don’t deny my own faith.  I have plenty of faith that I can make a case that the earth is > 6000 years old.    Let the games begin……

  53. Kevin Scheunemann


    That is great you have your faith.

    I have mine.

    You are free to buy into man-made theory. I buy into God inspired fact.

    Simple as that.

  54. Major Booris

    If we could get back to the actual topic of this thread for a moment.

    Kevin, I’ve been busting your balls on this site for years, and will continue to do so, but believe me when I say I’m with you on this one, to a point.

    You want medical care treated like any other consumer good. Get treatment or don’t, compare prices, negotiate with your doctor, and make informed choices that balance your needs against the costs, which are set by factors like experience of the physician, availability of drugs, thoroughness of tests performed, etc., that are transparent and understandable to laypeople. I’m all for that.

    Unfortunately, here in America in the year of our Lord 2017. That is not an option. It hasn’t been for a long time, long before Obamacare came about. There are many factors that brought us to this state of affairs, and I’m sure you can go on at length about them, and how each and every one ties back to socialism in one form or another. But the fact remains that the life savings of millions upon millions of people in this country can be wiped out by sudden illnesses, accidents, or even having an unlucky child.

    People who made the ‘right’ choices.

    People who took care of their health.

    People who had back-up plans.

    People, in many cases, with more resources, foresight, and legal/medical/financial expertise than you. And they still lost everything.

    One thing I’ve never called you, Kevin, is a liar. I think you honestly believe every word that you’ve written on this site. I take your claim that, given the choice, you would forego the ‘bad bet’ of health insurance and trust in your own abilities to maintain your health (as others have pointed out, your muscle tone could be described as ‘soft serve’) and handle the costs of unforeseen catastrophic care (you’ve flirted with bankruptcy at least once, but of course, that was entirely the government’s fault) at face value.

    And you know what? I think you should have that choice. I think you’d be a fool to make it, but thank the Lord it’s not illegal to be a fool or we’d all be locked up.

    But it’s not just your choice. You’re a husband and a father, with a family that is counting on you to protect and support them to the best of your abilities. And your willingness to put their safety and security at risk for the sake of ideological purity, or, even worse, out of your perverse need to be the smartest guy in the room, disgusts me. There’s no other word for it.


  55. Kevin Scheunemann


    I carry a huge amount of life ins., for several good reasons.

    Many families don’t carry life insurance, to their great detriment when something happens….which can also cause a drain on society if the income earner suddenly dies.

    Are you just as “disgusted” by that lack of insurance choice?….which is far more pervasive and maybe a bigger problem? Many have to use bankruptcy to clean up the mess when this kind of tragedy happens….when insurance would keep that from happening. (Unlike health insurance, life insurance is cheap and affordable.)

    What about lack of long term care insurance? Hardly anyone buys that much needed coverage.

    Are you disgusted by that choice as well?

    How many should have bought that insurance and now we pay for their nursing home?

    What about disability insurance? Hardly anyone buys that either.

    Disgusted by that choice as well?

    Shouldn’t people forego important things like food, utilities, college educations, cars, supporting church, and housing to insure to the hilt to satisfy your dictatorial need to run my household and everyone else’s household? How much income is too much to sacrifice for health insurance or all insurance combined?

    How many of these insurances do you carry?

    I’m completely disgusted by your choice if you lack any of these coverages as well. I bet it is probably to satisfy your perverse need to go drinking every weekend, or take a vacation once in a while.

    You have hardly “busted my balls”. When you hide behind a screen name making one way personal attacks on the guy that is honest about who he is, you are more like a delicate daisy twitching in the summer breeze. A hidden daisy in the vast field of hidden daisies is hardly capable of “ball busting”.

    Right now, I spend over $30,000 a year on various insurances I have for business, home, auto, etc. without health insurance in that tab. How much a year is too much to waste on bad insurance bets?

  56. Le Roi du Nord


    Great post and analysis. Keep up the good work.


    “(Unlike health insurance, life insurance is cheap and affordable.)”   Well, wait until you get a little older, and that sculpted physique of yours softens up a bit.  Life insurance won’t be as cheap and affordable now, will it?

    Perhaps $30,000/year is too much to spend on a “bad bet”, but I’ll bet much of that is needed for you to operate a business, get a home loan or a car loan.  No doubt you wouldn’t be operating the DQ without insurance.  So in that case insurance is no longer a bad bet, but rather one of the costs of doing business, just like raw materials or labor.

    And, since you aren’t a delicate daisy, please provide your proof that the earth is only 6000 (or is it 5987, or 6004) years old.  If you can’t do that you are the shortest daisy in the field.

  57. Paul

    More lies and personal attacks from the white nationalist troll. Owen should 86 this scumbag for doing a Mohammed Atta on this thread.

  58. Kevin Scheunemann


    That is why you lock in life insurance while you are young.

    You did not address my points on other insurance….do you carry all those?

    Tell me where all pre- Big Bang material came from in “facts” first and we can proceed to talk about Creationism. We have to establish just what you let in as “facts” first when it comes to your godless origin of universe.

    I want to use your “fact” standard when discussing creationism. I’m begging you to define your standard.

    Is carefully articulating the “facts” you live by too much to ask for in terms of good discussion?

  59. Major Booris

    Finally, something besides a simple deflection. Progress on that front.

    Still having issues with reading comprehension, though. Read my second paragraph again and tell me how on earth it belies a ‘dictatorial need to run everyone else’s household’.

    In our ideal worlds, our health care systems might resemble each other a lot more than you’d expect. And we should work towards that goal. In the meantime, though, we have a responsibility to do right by our families in the real world. For me and mine, that means –

    Bucketloads of life insurance from multiple sources. Like you said, it’s cheap and plentiful. Many banks and credit unions literally give it away.

    Long- and short-term disability coverage.

    Supplemental AD&D.

    Supplemental vision and dental coverage.

    And the full ‘cost of doing business’ suite (home, auto, etc.)

    I’m not about to tell you what you have to have in terms of coverage, or how much it should cost.  What I’ve said, and will continue to say, is that to look at the state of American health care today, at the countless stories of people who thought they were prepared and still got chewed up and spit out by the system, and still believe in your heart, “I know better. Those other suckers made mistakes, but I won’t. I can beat their adjusters, their actuaries, and their lawyers, because I’m right, and that’s what matters,” is arrogance to the point of self-delusion. Delude yourself all you want, but leave your family out of it.

    And you’re right about one more thing. Being utterly incapable of meaningful self-reflection would likely give you some form of immunity to having your balls busted.

  60. Kevin Scheunemann


    It  is not about actuaries, adjusters, and data.

    It is about taking the bet or not.

    In today’s environment, it is stupid to take the bet.   Today’s environment demands pre-existing conditions be insured.   Get insurance when you need it under that condition.

    If we were under the pre-Obamacare paridign, where pre-existing conditions can be excluded, then your argument has merit whether I am taking too much risk.

    Even so, my risk to decide, not your risk to decide, no matter what the idiotic condition of health care regulation and idiotic politicians.


  61. Le Roi du Nord


    kevin doesn’t want a debate, he just wants to lecture us on how he is smarter than the system.  You made a great point about the self-delusion and thinking he is going to outwit the pros.

    Do you find it odd that he would even admit that is is taking advantage of the ACA requirement to cover pre-existing conditions, yet bashes Obamacare at every opportunity?

  62. Kevin Scheunemann


    When working in any system, if you do not know the rules and do not make economic decsions based on consideration of those rules, that makes you utterly foolish.

    I oppose the pre-existing rule because it does encourage this kind of decision making when insurance is incredibly expensive.   Opposing the dumb rule does not preclude one from taking advantage of the dumb rule.

    If Republicans fixed the problems caused by liberals, that make health insurance so expensive, I would be more open to that option.

    Health insurance is a bet.   It is currently an expensive bet.    If it was a less expensive bet I would like the bet a lot more.

    Don’t force people to take stupid, expensive bets….that is all I am saying.   Let people decide for themselves.

  63. Le Roi du Nord


    So the ACA has been beneficial to you and yours ?  And you took advantage of that dumb rule?  But you would rather have that dumb rule repealed so you won’t be covered?  I’d have to call that hypocrisy, followed by blind ignorance.

    I hope your wife and kids had input into your decision.  And I hope none of them ever come down with any serious illness.

    “If it was a less expensive bet I would like the bet a lot more”.   Well chances are that you won’t be taking that bet, as the only folks that say health insurance costs for the middle and lower classes, and the elderly, and those with pre-existing conditions will be going down are those that wrote the bill, and they won’t share.  AARP had a great explanation this morning on NPR.

  64. Kevin Scheunemann




    It drove health premiums into the stratosphere, to the point where a rational economic decision has to be made.

  65. Le Roi du Nord

    “Opposing the dumb rule does not preclude one from taking advantage of the dumb rule”.     So you didn’t really mean what you said?  Or in your case the rule isn’t so dumb?  Can’t have it both ways…

    AMA, AHA, HSHS, AARP all say that the rate of increase during the existence of the ACA decreased compared to the 10 years prior.  Nothing in either the proposed House or Senate bills would act in a similar fashion, unless there is something yet to be announced.

  66. Kevin Scheunemann

    I also oppose the 35% tax credit in ACA for non-profits, but that does not preclude me from having my church take full advantage of that.

  67. Le Roi du Nord

    Soooo many hypocrites, so little time….

  68. Paul

    More lies and personal attacks from the white nationalist troll.

    Too bad Owen doesn’t shit can the Nazi gasbag.

  69. Paul

    So the grand summary of the white nationalist troll’s contributions are:


    – Malware links

    – Fake news links

    – Personal attacks on Kevin


    Time to ban this worthless piece of shit.

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