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.

Voting is the Best Revenge

Link to the Obama Revenge video

On November 2nd President Obama's reelection campaign went off script again and now the President is asking people to for vote for "revenge."  Let's first look at the definition of revenge that I reviewed it at http://en.wikipedia.org/wiki/Revenge and it shows "Revenge is a harmful action against a person or group in response to a grievance, be it real or perceived."  The anger of the Obama campaign is now reaching its peak as revenge.  Revenge from what you may ask?  What has Mitt Romney done to Barack Obama or the American people to invoke revenge?  Seems once again President Obama is desperate to get votes so when a crowd boos Mitt Romney he has to invoke the word revenge.

President Obama has accumulated another $6 trillion in debt, unemployment rate at 7.9% for those actually counted and that number is not a real indication of show bad it really is.  That 7.9% number is a number that does not include under employeed, people that have had their unemployment benefits run out, people that took part time work, or those people that have given up looking for work.  Those are what President Obama will not touch and why would he right?  Running on his record would not get him reelected at all, but he has to use people with "revenge" as a motivation to vote for him.

President Obama has showed anger in this election along with his Vice President Joe Biden.  President Obama cannot run on Obamacare because many of the taxes and fees are about to start and he doesn't want the election to be about that accomplishment.  That is why he continues to use Big Bird, Elmo, and now revenge.  A person running from his record will try to deflect attention from what really matters.  The debt is out of control and the President is not telling us how he will get us out of it with real answers.  Saying I will cut some here and tax the rich over there is not reality.  It is playing politics as usual, but with class warfare this time.  Demonizing success is not American, but this election is about The United States of America and the future of our nation.

The future of our nation is on the line and not an angry President deflecting what the issues are.  Over 47 million people on food stamps and over 15 million of them are added on his watch.  Why does he ignore this and not address it?  He doesn't want to remind people on how he expanded the social welfare state and has no plan to get people off of food stamps and allows the USDA to continue expanding the program with more Chinese debt.  President Obama wants to have people on government assistance and if did not he would not allow it to expand this much and would have not laughed at the not so shovel ready jobs.  Spending all that money for nothing and laughing at it.  Our economy is not a joke, but this election is about revenge.  The President is out for revenge, but on who?  

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.

You're First Time

The infamous Obama supporter losing her voting virginity to a great guy.

Link to the Obama campaign video

I saw a video that was very concerning to me and other Americans.  This video is a typical left wing democrat attempt to say women should vote for another four years of President Obama by saying I will give your more free stuff.  Free stuff is not truly free first of all.  Someone has to pay for your way and that is theft by the government by the I.R.S.  Theft by extortion because if you don't pay your taxes you can be penalized with interest, more penalties, and even jail time in some cases.  

Free birth control is not a right.  If you are going to engage in sexual activity no one should be paying for your birth control except yourself.  You want to do the "deed" it is on you to pay for your own.  I am absolutely tired of this so called "war on women" because if you want to do something go ahead and earn it.  Get a job with good health insurance to pay for your birth control or find a company that offers birth control as an option in their insurance programs.  You don't have a right to my money to get your freebies.  Another leftists that is willing to vote for someone to take from someone else's family.

Free healthcare is another item that is not really free.  Taking money from my family to support someone else that is not willing to get an education or job training to get a better job is wrong.  That is called communism.  Taking from one group to give to another group without earning it is simply wrong.  Take personal responsibility and do better for yourself.  Save money in case if there is an emergency.  Get a job that has good benefits and stop counting on someone else to pay for your way.  One day and that day is coming soon, when there will not be enough other people's money to go around, not enough Chinese debt to fund it, and people will stop trying to do more because the motivation for many will be gone since more and more of their money is being taken away.

President Obama is simply trying to deflect his record of $6 trillion in more debt and nothing to show for it.  At least nothing that President Obama wants to brag about.  The President continues hide what happened in Fast and Furious when Americans and Mexicans died with guns bought and given away by the United States government to drug cartels.  President Obama will not answer to why we did not try defend our embassy in Libya and allowed four Americans to die and won't come out and called it for what it is and that is a terrorist attack.  It is time to vote out President Obama and get people back to work so they can get their own paycheck instead of a welfare check and stop this social welfare experiment that has failed and put our nation's financial security in jeopardy.

Michelle Obama and the Flag

Link to Michelle Obama video

Recently I saw a video that was just disturbing to me so I had to share it.  The video just shows how much Michelle Obama respects the flag of the United States of America.  Her love or dis-love for the flag for that matter.  The President on several occasions has shown his lack of respect for the flag that he represents as the President of The United States of America, now we have a lip reader that captures Michelle Obama showing how she feels.

The other disturbing thing about this video and is the approval of the President nodding to her.  He approves of what she is saying.  Once again another off script and off teleprompter moment in the Presidency of Barack Obama.  It took someone on Facebook to bring this up to me because the mainstream media won't expose this to the light of day.  The American people deserve to know Michelle and Barack Obama's real feelings about our nation and how they want to fundamentally change it forever.  Just another reason to vote Barack Obama out in November.

Michelle Obama's "All this for a damn flag" comment shows no respect for the flag of United States of America and what it stands for.  It stands for freedom, hard work to keep our republic free, and the people that gave their lives to keep us free.  Apparently Michelle Obama does not care about the freedom loving Americans and just cares to keep her lavish lifestyle in the White House on the taxpayer dime.  This November 6th it is time to send a message to Michelle and Barack Obama and to the American people that we are done with this administration of hating on the flag and our values that made our country great.

Make sure to get out and vote and share with your friends and family why we must change direction before it is too late.  We are a nation that has had it's struggles, but it is time to come together to fix it without the government taking over industries and taking our rights.  We still have the ability to vote and remove our representatives peacefully in our nation.  Use it before we could possibly lose it.  God Bless our flag and God Bless The United States of America.

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.  

Christian and Democrat

I saw this in the Lakeland Ledger newspaper in it's October 2nd, 2012 edition.  When I saw this opinion piece and it's title I just had to read it, even for it's comedic title.  I am going to give you little break down of this opinion piece because I feel this person is definitely on the wrong team in terms of political party.  Not all political parties or people are perfect, but this has to be addressed.

This person outlined why she is a Democrat even though she is a Christian.  The first bullet says she believes in what the Bible says about homosexuality and abortion.  So you believe those are wrong, but you willfully show your support for a party that actively support these practices.  This person is willing to vote for a President that once did share your belief in marriage between one man and one woman, but he all of sudden evolved his beliefs in an election year?  As for abortion the President and his Democrat Party support abortion on demand rather than practicing personal responsibility by not sleeping around and taking precautions to prevent pregnancy.  If you vote for this then you condone it because it is what they talk about and support.

Next, she believes in the Bible telling people to help those in need.  So the government should just take whatever it deems necessary to help those people it believes that are in need of your money?  This is the backwards thinking that has allowed our nation to be taxed so hard to buy the loyalty of those on welfare.  The Bible did not say for the government to take to become a forced charity and if you don't pay your forced charity gift you could end up paying fines, penalties, or even jail time.  If you truly believe in helping people then give out of the kindness of your heart and stop forcing people by taxing them.  Once again some personal responsibility would be great and also allowing non profits, charities, and churches to get involved with helping people on a local level to get them to a better place.  The government is not interested in you personally, but only filled with people ready to get power and keep it.  Local issues require local people to step up and do the right thing and get government out of it.

She also wants to talk about freedom.  I believe in freedom in our great nation so let's talk about freedom for a moment.  President Obama and the Democrats said you are going to be able to keep your doctor with Obamacare.  Many doctors are already not taking new Medicare and Medicaid insured people because the reimbursements are too low and not cost effective to keep seeing these people.  So keeping your freedom of choice for doctors is not true under that insurance plan.  Let's also talk about freedom in general.  If you have freedom to do everything then why have laws.  Supporting the Democrats freedom grab in healthcare if wrong.

If you feel the Democrats or the President are on the side of Israel you are wrong again. President Obama preferred to be on The View rather than meeting with Prime Minister Benjamin Netanyahu. The President is more concerned with keeping his power rather than meeting with the only true democracy in the Middle East.  The President is not being tough on Iran and it's leaders that have publicly said they want to wipe Israel off the map.  That is the President and the Democrats in action.

Finally, the Bible does not tell us to follow leaders that are not following principles that we do not believe in.  Many times in the Bible Christians were killed because they would not bow to false idols or false gods.  The Democrat Convention had a part where people actually "boo" God.  Really this is the party that shares your Christian beliefs?  The nanny state of providing for people that do not take responsibility for their own actions.  A party that removed God from it's platform at the start of the convention you feel shares your Christian values?  The question at the end of the day is what is the price of your freedom worth because freedom has different definitions especially with this woman in Florida.

Theft of a Nation

When someone steals from you or your family you call the police right?  But who do you call when the government steals your money to give it someone else?  Well that's when you need to call upon great American's to run for political office to stop the theft of the American people.

It is time to bring back citizen representatives again in our political process.  We need to focus on people that not only will promise to do the right thing, but when they are under pressure from their political party or special interests they do not buckle and break their promises to those that voted for them.  Promises are just that promises and we have allowed too many politicians to break them, but we continue to reelect them.  We not only reelect them we elect them to higher positions to acquire more power and the ability to take more of our money.

When I interview candidates I ask them questions on my radio show.  I want to hear them give their thoughts on the issues and allow people to decide for themselves.  I allow them to share what they would do to turn things around in their local communities, states, and our great nation.  We don't have much time left to turn this around so we must be educated on who will lead us into the future.  The future decisions that will not only affect us, but will affect generations to come is coming so be prepared to make educated decisions when choosing our elected officials.

This November you will be choosing people to represent you, your family, friends, and neighbors.  I hope and pray that everyone that goes out to vote did their homework.  Homework is something that most people dreaded in school, but now we must do our homework or our nation will fail it's greatest test.  The greatest nation on the face of the Earth can go down in history like many other great civilizations.  Will you be one of those that allowed this to happen?  I hope not so do your homework and tell others to be educated on the candidates because the consequences can last beyond your lifetime.

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 Town Hall Experience

I had the honor of speaking at the town hall meeting at Rocking H Ranch in Lakeland, Florida on September 22nd.  First of all, it was my wife's birthday and she is the one that said I should be there for this event on her birthday.  I appreciate my wife's support as I try to educate the public on voter responsibility, candidates, and how we can make our nation great.

The town hall had a wide assortment of speakers including people that use to live in Cuba and Venezuela and they shared their experiences after the take over of their governments by dictators.  It was very revealing and scary that one day you are living your everyday life and all of a sudden your world is turned upside down because you were successful and the government finds that you are a threat.  If you have an education or wealth you are seen as a threat to the "dictator" or "leader" that is trying to pander to the poor or supposed disfranchised of a society then you are a threat.   The speakers were trying to give a warning to the audience that it can happen here and they see it coming.

There were also candidates political races for County Commission, Circuit Judge, and State Senate also.  We even got to hear from Kira Stickney, a 14 year old student, that shared her concerns with the $16 trillion dollar debt and how her family has been affected during these past few years.  A truly great event where many great Americans from the local community came together to have an open discussion on the issues that we face together as Americans.

Nick Wukoson who is a tea party speaker, writer, and former Florida House candidate during his speech shocked the crowd when he said that he read the entire Obamacare bill, as the bill was actually upfront completely printed out, and revealed shocking details about it.  One of the socking points of Nick's speech was how over 2000 pages of this bill was put out there and in 22 hours they had to vote on it.  Simply scary to think we have a government that is out control to this point.

It was a great honor for me to speak at the town hall about the importance of local elections.  These elections help determine how our communities are ran, but also can propel some politicians careers.  I shared with the audience that we must ask bold questions and get answers from our elected officials and even when they are candidates so we can stop the ones that are unfit to lead from acquiring power.  If we can do that on the local level then we can prevent them from moving up the ranks to higher political office that may affect us on a nation level in the future.

It is our responsibility as Americans to vote and be a part of the process and not a part of the problem.  The problem of voter apathy and lack of voter education.  Guessing on candidates on election day without doing your homework.  I will not tell you how to vote, but I will tell you what I know and you can make your own decision on election day.  It is about vote on someone's character, principles, and record.  If you do not understand the motivation of someone that is running for political office then you are voting blindly.  Always understand the motivation for someone's actions and who they are because they can affect you, your family, your friends, and your community for many years to come even after they leave office.