Thankfully, it looks as though the Graeme Frost story has run out of gas... almost. While Ezra gets a few more miles out of teasing the wingnuts, Michelle Malkin essentially repackages her original post on the Frosts to argue... essentially the same thing she's said all along. Aside from being, as always, wildly defensive in a charmingly high schoolish way ("the left is mean to kids too!" and "They started it!" being generally her favorite mode of comment), Malkin continues to be the Tough Love Advocate who thinks problems can be solved with elbow grease and a little (or a lot of) suffering. She does, finally, manage to supply a link for the "low cost insurance" argument that she says proves that a policy wouldn't cost the Frosts $1200 a month... what she neglects to mention is that the quote engine delivers this disclaimer:
Plans are subject to health underwriting.
Do not cancel any in-force health coverage until we inform you in
writing that your application has been processed, and coverage has been
issued.
Estimated Monthly Premium shown is based on the information you
provided, and is subject to change based on the plan you select,
optional benefits you select (if any), and other factors. We shall
exclusively determine the premium actually required, and the effective
date of any coverage issued.
Emphasis mine. They also add:
These plans are available only to members of the Federation of American
Consumers and Travelers (FACT), an independent consumer
organization. If you are not already a member of FACT, you must join
in order to be eligible for these plans. Through a special agreement
between FACT and Golden Rule, you can enroll in the association through
Golden Rule. You will fill out the FACT enrollment form on this
website prior to making application to Golden Rule for health
insurance. For more information on the benefits of FACT membership,
visit www.usafact.org/
(no need to enroll directly - Golden Rule will submit your dues to
FACT). Estimated Premium does not include the mandatory $3 per month
dues for FACT membership. FACT membership is not
required in every state. Please see the product brochure for details.
Basically, the nut is that Malkin's claim that this "proves" that a more affordable policy exists is at least... debatable. It's likely that armed with these numbers, a call to Golden Rule (love the name!) would likely lead, after discussing previous conditions (like, say, major trauma after a car accident in two of your kids), to finding out that the actual premium would be much higher; Malkin, clearly, hasn't done that homework, so she's got, essentially, nothing to prove her alternative to the $1200 a month claim, even now (and still, her own experience says she's not even close). Moreover, this FACT membership adds a layer of complexity, since I think it's designed to create a risk pool and obviate the ability to change insurers easily. That's a guess - Googling it isn't very helpful. I need to consult Dr. T to be sure (or maybe, he'll chime in).
But Malkin also gets that it's by no means easy to find affordable insurance, closing with:
Once again, they will ignore the fundamental
concept of how insurance is supposed to work. I repeat again:
If you don’t buy it before you need it, you shouldn’t be shocked if it’s difficult to impossible to get after you need it.
It’s elementary.
In which she makes herself all too plain - after a car accident, you should be punished with hard to find, impossible to afford insurance rates. It's elementary.
And that Michelle, is why people prefer S-CHIP to Potterville. Also, elementary.
Oh and PS Red - Is the passion meter rising? :)
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