What's Next: Health Insurance Credit Scores

With Obamacare starting to affect millions Americans some people are asking can it get any worse?  Well it might just get worse with Health Insurance Credit Scores.  Many Americans do not realize that insurance scores are used not just to buy automobiles, homes, and consumer credit cards, but are also used in applying for home owners insurance and even auto insurance.  Corporations use credit scores to determine risk and the ability to pay back a debt or predict future possibility of future claims.


While preexisting conditions are covered under the new "Affordable Care Act" millions of Americans are getting sticker shock.  While the can find coverage it certainly is not "affordable" as promised by President Obama.  Now insurance companies are being forced to cover a wide variety of coverages and items that are "free" to the consumer.  Americans should realize nothing is free and those "free" coverages under Obamacare are just worked into your premium.


The Health Insurance Credit Score is coming soon to Americans.  The government soon will have more data than ever before.  Even cash paying clients of doctors cannot hide anymore.  Doctors are required to report everything to the government.  The government will have a wide variety of data that it never had before on Americans outside of Medicaid and Medicare.  As you may know the government already had the data on Medicaid and Medicare patients since they are already paying for those people.


The tentacles of the government will have data concerning if you use walk-in clinics, Emergency room care, hospital stays, medications you use, preexisting conditions, DNA profiling, also family history of parents and siblings, income status, marital status, financial credit score, employment status, gun ownership, occupation, and so much more.  They will use these items and others not discussed here to create a Health Insurance Credit Score.  This score could turn into a score that determines your rates all the way to who gets care first "rationing" when the system is under too much stress.


I always say if you can think it the government is either working on it or will be doing it soon.  Millions of Americans may be in denial of what is going on around them by watching "reality TV" while the reality around them is ready to devour them.  Will 1/6th of the economy being taken over by the Federal Government with Obamacare legislation and regulations be prepared for the government to cut off people somehow due to millions more being put on the Medicaid roles by saying they qualify for Medicaid.  Billions of taxpayer dollars being diverted to people that had no idea "they were poor" to qualify for Medicaid.

Make sure to tell me what you think by going to Facebook and like the radio show at www.facebook.com/thematthewbrowershow and listen to The Matthew Brower Show at www.blogtalkradio.com/thematthewbrowershow live Monday through Friday at 9pm ET and call in at 646-652-2089 to share your thoughts.

Obamacare and Non-Profits

Many people know that Obamacare is a disaster and will affect millions of people directly through higher taxes and penalties.  There is one issue that many Americans do not realize and will be a direct result of Obamacare and what you may ask that is?  Obamacare is going to destroy the non-profit sector in the United States of America.

Many Americans give to non-profits, charities, and churches to help their local communities.  I am one of those Americans that gives out the generosity of my heart because I feel local money and local decisions get better results because we understand the needs of our own communities.  The problem of Obamacare is that it is going to hurt many people that give to non-profits.  If you get hit with an additional $3,000-$4,000 tax bill because you have a good health insurance or you don't have health insurance so you now have to pay a penalty you start to look for ways to cut back.

Americans will look for a way to cut back so they can afford rent, mortgage, car payment, insurance, and utilities and that list goes on.  Non-profits are going to suffer, but the government did not tell you that did they?  The government machine does not want you to know that non-profits will suffer and will give government more power to give away your hard earned money to groups and people that you did approve of giving your money to.  The government wants to squeeze out non-profits without saying it or doing it directly so why have Obamacare do it for them.

Churches will suffer also in not only their gifts from their congregations, but also for food banks and other help they provide for communities.  The government does not like competition so the squeeze is on, but if you are in the leadership of the church you can't speak out or face losing your non-profit status.  Ironic isn't it?  It's like trying to be in business against a company that can print money and borrow money on an almost unlimited basis.  Irony in this situation is dangerous to our local communities and non profits.  The government continues to acquire more power over our paychecks and now non-profits are in danger of being put out of business.

Many non-profits get matching funds from private companies or even government funding, but they must meet certain fundraising goals so without the private money coming in they serve less people and the government creeps in again on the non-profit sector.  Now private companies will be hurt on their bottom lines with Obamacare.  Many are starting to announce layoffs and positioning themselves to make a profit so soon you will see many companies cut charitable givings to survive this Obamacare nightmare.  Remember elections have consequences and this is one of them.

President Obama and the Campaign Ad

Link to the Obama campaign video

Once again the Obama reelection advertisements set new lows.  This time using children to push their agenda of madness.  Throughout history propaganda has been used to influence children since their so impressionable so why not use children in this way.  Trying to get parents guilt vote this year because the President can't stop campaigning while Americans die in the name of progress for this administration.

President Obama has acquired over $6 trillion in new debt in under four years, but the President is not asked by the media what have the American people bought with all of this debt?  Are there any fixed assets for this money that was spent or will these children in this video be the butt of the joke for some more not so shovel ready jobs as the President laughed at.  The President of the United States of America Barack Obama laughed at wasting a Trillion dollars on jobs there were not there.  He wasted our children's futures on a bet.

I just want to break down this little gem of an ad.  In this ad the kids say "and lots of Chinese stuff" so I propose this question to the Obama administration that is way to scared to answer anything of substance.  How about those trillions in Chinese debt to fund this social welfare experience?  We are drowning in Chinese debt right now so don't try to play off the real Chinese debt problem.  Debt is dangerous to a free society because someone has to pay and economic freedom drives a nation or can bring it down when it is limited.

Also, it wouldn't be an Obama ad without bringing up Big Bird.  The President is desperate to win and cannot run on a record of success.  President Obama continues to pander to people to get votes without explaining all of the failures of his administration.  Failure of 1 in 6 in poverty, an additional 15 million on food stamps and plan to get them off of it, and $6 trillion in new debt and nothing to show for it.  The President has failed and he is using children because he is absolute desperate to win and won't accept he has failed.

President Obama said if he can't get this turned around in three years then it would be a one term proposition and now he asking for more time.  More time for what Mr. President?  More time to go over $20 trillion in debt after you promised to cut the debt by half.  More time after you promised to lower unemployment to around 5%, but we have this falsified 7.8% unemployment rate that does not include people that have run out of their unemployment benefits, dropped out of the labor force because they cannot find work, or they have part time work and are not counted as underemployed.  The President has failed and his vision of "Forward" will destroy our nation.  So we must move "Forward" without Barack Obama as the President.

Elmo and the White Suburban

Link to President Obama Video

President Obama was in San Francisco this week and wanted to make a joke at a campaign rally.  Of course this joke that President Obama wanted to make was not on script or teleprompter.  The President in his almighty wisdom wants to be somewhat funny, but all he did was make many more American's wonder why he continues to try to make jokes while millions of Americans are suffering.

Let's break it down the President's joke about Elmo and the White Suburban.  The joke was meant as a comeback to Mitt Romney's statement in the debate that he will cut funding to PBS if he is elected as President this fall.  President Obama said that Elmo is driving to the border in a White Suburban.  While many people think it was an O.J. Simpson joke I really feel it wasn't at all.  San Francisco is very well known as a sanctuary city for illegal aliens.  The driving for the border by Elmo is just another gaff by the President in a well known sanctuary city.

Second, let's break down the White Suburban comment that the President made.  Another hidden meaning in this case.  The President is talking about white suburban people.  Think about the words in a sanctuary city talking about driving for the border and mentioning a white suburban vehicle.  The suburban a well known soccer mom vehicle in the suburbs of America.  Words have meanings and he used that white suburban comment off script and off teleprompter once again showing his true thought process.  

Third, many people may or may not be aware that Elmo's voice is actual done by a Kevin Clash who is an African American puppeteer and voice actor.  Don't think the President did not have has this on his mind when he used Elmo.  Why not use Oscar the Grouch, Cookie Monster, or any other character for that matter.  The President made a decision to use Elmo in this case.  We must watch our politicians very carefully and the words they speak because you can get a glimpse into what they are thinking when they are off script or teleprompter in this case.

Why would President Obama be so specific in picking a "white suburban", "Elmo", "driving to the border", and of all places in San Francisco a well known sanctuary city known for protecting illegal aliens.  This break down of his statement can be very revealing into the mind of President Obama.  The President is known as a very well educated person so we have take him at his words right?  It is time to listen to the President and figure out the meanings of his words and I figured out his words as soon as he said this statement.  Watch the video and you will see what I am saying.  He was trying to figure out what to say and those were his words.  

The election is fast approaching and it is time to use our education and make a choice for the direction of The United States of America.  I encourage you to learn more about your candidates for President.  This election is important for our lives and future generations.  

Opt in or Opt out!

Recently the Mayor of New York City Michael Bloomberg got his wish to ban sugary drinks above 16 oz. These sugary sodas cannot be served or the restaurant can face substantial fines if they do so.  Now this is a great example of the government opting you in to their new law without you having any choice in the matter.  This is another example of the nanny state jumping in to save us from ourselves and treating New Yorker's once again as fools that cannot judge for themselves.

Now the good mayor of New York City finds it o.k. to give your daughters birth control on demand.  Now if you want to actually have control over the medications your child takes you will have to "opt out" of this program.  The irony is most schools make you sign a consent form to give your child medicine for headaches, but they will hand out birth control to your daughter's without a second thought.  You have to opt out to get control of your child's ability to get "free", which is another government handout, medication that can actually in some cases cause health problems without a parent's consent.

I just find this totally disturbing.  We do not teach our children in public schools to wait on sex at all.  We empower them with free condoms and birth control so they can run off and get some STD's or even pregnant since most children are not responsible enough to take the medication they are given behind their parents' backs anyways.  Why should we be surprised anyways right?  We have a nanny state that continues to give away our hard earned money on programs like this rather than try to teach some self control in our children's lives.

You can't get a soda from a restaurant that is over 16 oz. without possibly getting fined, but your kid can get free condoms and birth control on the taxpayer dime with no consent?  If you tired of our of control nanny state government then start to teaching your kids the right thing and vote out these controlling politicians that think you are too lazy and too stupid to take care of your own family.  I encourage you to go to the polls and send a message of we are tired of being robbed to pay for bad behavior of others and politicians this November!

My trip to the pharmacy

Unfortunately I got sick the other day so I had to take a trip to the doctor and get some prescriptions to help with my illness.  The visit to the doctor was great, very quick, and got out in just minutes!  I know that was quick!  So I got my scripts and they were sent over to the pharmacy.  I get to the pharmacy and at the counter there was another woman at the other register complaining on her phone.  She was complaining on her iPhone about her medicaid not covering a medication!

One thing about this country I cannot stand is the sense of entitlement.  People feel so entitled to having government handouts rather than taking some personal responsibility.  I didn't say anything to this woman, but in my mind I was thinking you can afford to have an iPhone, but you can't afford to pay for prescriptions.   It really makes you wonder about how our government can just take from people and give your hard earned money to others so they can live on your dime.

My wife and I work very hard to provide a good life for our daughter and have comfort in our lives.  We have full time jobs, got an education, and buy our own health insurance because we are responsible.  Responsibility is almost like a four letter word in our society.  When you tell someone to take responsibility for their actions you are looked at like you have no compassion.  Compassion is one thing, but letting people get away with wholesale theft from other people by a corrupt government using the IRS as the bully that can put you in jail, garnish wages, and charge penalties and interests if you are not on time with your tax payments that is just wrong, but people can just take your money under the force of government.  

We must get rid of the these politicians that continue this nanny state and welfare state mentality.  I am tired of working hard and taking responsibility for my family while others are just given freebies on the backs of my family and other families that do the right thing!  Vote out the corrupt power hungry politicians that are making people feel like victims to give them excuses to take our money to keep the votes coming in to keep these politicians in power!

Work Ethic...

In a nation full of welfare and entitlement I wonder sometimes where is the work ethic?  Work ethic was one of those great things that built The United States of America into the nation that people wanted to move to for a better life.  Now with have a nation of just getting by and where is the next entitlement going to come from.

Many people in this nation have decided to take the easy way out and give up and allow the government to step in and give them welfare checks, food stamps, free cell phones with free texts, and many other government supported programs.  These programs are not for free my friends.  Someone has to pay for all of the government programs and as the work ethic in our nation disappears it will be harder and harder to find someone to take their earnings to fund this type of welfare state.

Who will have the work ethic still to keep the welfare rolls going?  Will people with work ethic let it slip away because a government full of regulations and taxation keep taking other people's hard earned money? A government that continues to punish people for having a good work ethic with more taxes is going to be counter productive as some people will simply not want to move up in companies or start businesses due to the amount of red tape, regulations, fees, and taxes.

The government that we have now is a government of oppression that is so difficult to deal with that people simply give up and fall into the welfare rolls and stay there and what happens next?  Welfare becomes a generational problem.  Children and grandchildren see how people can just live on the welfare system and don't have to have any work ethic and just get paid to live.  We are allowing future generations to fall into the welfare trap.

We are a nation that was built on great work ethic and if you didn't have work ethic you did not succeed.  If you didn't work then you did not eat and you could not provide for your family.  We need work ethic and sometimes you need to give someone the "kick in the butt" they need.  The kick in the butt our nation needs is to the welfare system that we have here and allow people to keep the money they earn.  Spend the money how they see fit because they earned it and with that money in the economy people can get jobs and start contributing to our nation instead of taking it with entitlements.

God Bless our great nation in our deepest time of need for better work ethic. 



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