The airwaves are thick with heated commentary on how President Obama overstated the simplicity of his signature health insurance legislation, popularly known as Obamacare. “If you like your health care plan, you can keep it,” was how the refrain went throughout his first term. It was an unqualified statement and, indeed, an emotionally potent oversimplification of the type we see in political rhetoric, I don’t know … how about all the time?

Right, so, he lied in the sense that what he said was not accurate for 100% of the people who have health insurance, 100% of the time. It is, however, accurate for about 95% of the people 100% of the time, and for the other 5%, only some of the time. If you have a super crappy individual health insurance plan with an enormous deductible and you signed onto it before implementation of the Affordable Care Act, sure, you can keep that dog – it’s grandfathered in. The insurance companies simply can’t continue selling those policies now that the law is in effect because – and this is important – THEY SUCK TOO BADLY, and because of that, they do not comply with the law.

To hear t.v. commentators of nearly every stripe talk about this, you would think individual life insurance is some kind of Eden from which subscribers are being exiled by pitchfork-wielding devils. Let me tell you, I spent many years in the private insurance market. I had a plan with Mutual of Omaha and one with Excellus BlueCross BlueShield. Mutual of Omaha paid for exactly nothing; the money went one way, from me to them. BCBS was mostly BS – I had a high deductible, as did my wife. I remember once going to my doctor because of a persistent cough, having to get some blood work, and being declared well. That cost me $500 (in 2005). My wife had an emergency room visit that came to $2,000. (She was fine, also.)

My point? Jon Stewart made it best. The people who are yelling “liar!” the loudest are the same ones that have been telling ridiculous lies about the ACA since its passage. In the liars hall of fame, Obama’s “never” clause ranks far behind “death panels” and not even in the same league as “Saddam Hussein has weapons of mass destruction.”

luv u,

jp