Daniel Kuebler

The tale of two Catholic universities, and Obamacare

Daniel Kuebler
By Daniel Kuebler

Two Catholic universities, Franciscan University of Steubenville and Ave Maria University, recently announced that they will drop their student health-care plans for the coming year. The schools also announced that they will no longer require students to have health insurance.

Given the giant range of institutions and people affected by Obamacare and its mandates, the impact of this decision by two universities, each with less than 3,000 students, may seem small. But it is not the scope of impact that matters so much as the broader problem the decision highlights. Two federal regulations that pushed Franciscan and Ave Maria to drop student health-care plans indicate quite clearly what will happen if Obamacare is allowed to stand: More Americans will become uninsured unless they transition into government-subsidized healthcare plans.

As Obamacare passed through Congress, the president promised that everyone could keep his health-care plan if he liked it. No one would be forced to move to a different plan if he was content with the coverage he had. Yet one need only grasp the outcome of each new regulation put forth by the unaccountable bureaucrats at the Department of Health and Human Services to see this lie being gradually exposed.

What Obama should have said is that everyone can keep his plan only if the government likes it. As Obamacare’s burdensome regulations are defined and put into effect, very few existing plans will be able to survive. This seems to be the unspoken goal of Obamacare: to ensure the slow but steady demise of private insurance plans, all under the guise of reform. What this “reform” will leave in its wake is a single, onerous, and restrictive government-run health-care system.

Franciscan and Ave Maria’s decision to drop student health-care plans is just a case in point of institutions being prodded toward this goal. In their case, two recent regulations have led to the decision to drop student health care, a decision that will probably move more people to government-subsidized care.

The first regulation that prompted the universities’ decision is one with which most people are familiar: the HHS mandate that requires all plans to cover abortifacients, contraceptives, and sterilization. Since this mandate violates the moral obligations of these two religiously affiliated universities, and the Obama administration’s religious exemption to this rule is so restrictive—without precedent—the universities’ only option is to mount a legal challenge.

If the courts fail to protect their right of religious liberty, Franciscan and Ave Maria—along with dozens of other religiously affiliated institutions, no doubt—will drop health coverage for employees in addition to students. That move will inevitably drive more people toward the government-subsidized exchanges and away from privately funded plans.

Since the contraceptive mandate will not take effect for another year, however, these schools could have, in good conscience, provided health-care plans to students this year. They decided to drop coverage this year because of a second federal regulation affecting student health-care plans that took effect in March. It stipulates that student health-care plans must have no annual coverage limits by the year 2014. This regulation will be enforced through two intermediate stages: All current plans must have annual coverage limits of at least $100,000, and plans issued after this September must have annual coverage limits of at least $500,000.

Because roughly 25 percent of student health-care plans have annual limits lower than half a million dollars, this means steep premium increases for these students over the next few years. Franciscan and Ave Maria have indicated that their premiums would go up at least 66 percent this year, and more than double next year. By 2014, when these plans must have no annual limit, the premiums will rise even higher.

It might seem that removing annual limits would protect more students from catastrophic health-care costs. But it won’t, because many universities and colleges will probably follow Franciscan and Ave Maria by dropping student health-care plans altogether. Moreover, the typical college student’s health-care costs never even approach the annual limits that have been calculated for these plans. College students are a relatively healthy population for whom low-cost/low-benefit plans are often the option of choice. Not any longer.

The net effect of this change is that it will make health care too expensive for many college students. The Government Accountability Office estimates that this new rule will affect at least 300,000 students in the next two years, and even more in 2014. The adverse effects of implementing this regulation are simple to comprehend from an economic standpoint: The spike in health-care coverage cost will raise the number of uninsured Americans.

While Obamacare requires that all citizens have health insurance coverage by 2014, it is hardly a stretch to assume that some college students may decide that risking the small penalty is better than paying the new higher premiums. Indeed, taking that risk would be a financially sound move for the many students who will not experience serious health-care problems during college. And students who do get hospitalized without insurance will still receive care. Their costs will simply be passed on to the rest of us in the form of higher premiums. All they would have to do is pay the fine.

For students who want to maintain their insurance coverage but cannot afford it, government-subsidized plans—which will be paid for by taxpayers—will make up the difference. Thus the side effects of this regulation—one could hardly call them unintended—are that thousands of students will find themselves either without any health-care insurance at all, or dependent upon the government dole for it.

Most people would see this as problematic, yet the goal of Obamacare seems to be to move people from well-functioning private plans toward government-approved and -subsidized plans. In fact, the very manner by which it is set up has many businesses considering dropping health insurance coverage when Obamacare is fully implemented in 2014. For many businesses it will be cheaper to pay the fine than to offer health-care coverage to their employees.

A report from the House Ways and Means Committee found that once Obamacare is fully implemented in 2014, the average Fortune 100 Company could save $402 million by dropping coverage and pushing its employees into the government-subsidized exchanges. In a market economy, businesses will do what makes economic sense, and the architects of Obamacare not only know this possibility but welcome it.

At the end of the day, the more people the Obamacare architects can corral into government-approved and -subsidized health care by regulating private plans into submission, the more control they will have over the health-care system. They can then further incentivize the dispensing of contraception, abortion, sterilization, and euthanasia—all of which can be at least short-term cost-savers—and at the same time use their own cold utilitarian calculus to determine who gets access to the health-care system. In a bloated unresponsive government-run system, these are the only ways to drive down costs. This is where we are heading once Obamacare fully flexes its muscle.

While the health-care system in America needs to be reformed, Franciscan and Ave Maria’s decision to drop student health-care plans offers just one example of how Obamacare is not the answer. Rather than reforming the system, it is deforming it. Step by step, regulation by regulation, the authors of Obamacare are bent upon creating a monolithic government-controlled system that will eventually take on a life of its own.

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Daniel Kuebler is a Professor of Biology at Franciscan University of Steubenville. This article reprinted with permission from thepublicdiscourse.com.

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Lisa Bourne

‘You can’t have’ marriage equality ‘without polygamy’

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By Lisa Bourne

July 3, 2015 (LifeSiteNews) – Motivated by the U.S. Supreme Court ruling legalizing homosexual “marriage,” a Montana polygamist has filed for a second marriage license, so he can be legally wed to two women at once.

"It's about marriage equality," said Nathan Collier, using homosexual advocates’ term to support marriage redefinition. "You can't have this without polygamy."

Collier, who has has appeared on the TLC reality show Sister Wives with his legal wife Victoria, and his second wife Christine, said he was inspired by the dissent in the Supreme Court decision.

The minority Supreme Court justices said in Friday’s ruling it would open the door to both polygamy and religious persecution.

“It is striking how much of the majority’s reasoning would apply with equal force to the claim of a fundamental right to plural marriage,” wrote Chief Justice John Roberts.

Collier and his wives applied for a second marriage license earlier this week at the Yellowstone County Courthouse in Billings, a report from the Salt Lake Tribune said.

Collier, who was excommunicated from the Mormon Church for polygamy, married Victoria in 2000 and had a religious wedding ceremony with Christine in 2007. The three have seven children between them and from previous relationships.

"My second wife Christine, who I'm not legally married to, she's put up with my crap for a lot of years. She deserves legitimacy," Collier said.

Yellowstone County officials initially denied the application before saying they would consult with the County Attorney and get him a final answer.

Click "like" if you want to defend true marriage.

Bigamy, the holding of multiple marriage licenses, is illegal all 50 states, but Collier plans to sue if his application is denied. Officials expect to have an answer for him next week.

While homosexual “marriage” supporters have long insisted legalization of same-sex unions would not lead to polygamy, pro-life and family advocates have warned all along it would be inevitable with the redefinition of marriage.

“The next court cases coming will push for polygamy, as Chief Justice John Roberts acknowledged in his dissent,” said Penny Nance, president of Concerned Women for America, after the Supreme Court ruling. “The chief justice said “the argument for polygamy is actually stronger than that for ‘gay marriage.’ It’s only a matter of time.”

In a piece from the Washington Times, LifeSiteNews Editor-in-Chief and the co-founder of Voice of the Family John-Henry Westen stated the move toward legal polygamy is “just the next step in unraveling how Americans view marriage.”

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Chris Christie: Clerks must perform same-sex ‘marriages’ regardless of their religious beliefs

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By Ben Johnson

TRENTON, NJ, July 3, 2015 (LifeSiteNews) – Chris Christie is not known for nuance. This time, he has turned his fiery personality loose on county clerks and other officials who have religious objections to performing same-sex “marriages.”

In a tone usually reserved for busting teachers' unions, Christie told clerks who hold traditional values, “You took the job, and you took the oath.” He would offer no exemption for an individual whose conscience would not allow him to participate in a union the vast majority of the world's religions deem sinful.

“When you go back and re-read the oath it doesn’t give you an out. You have to do it,” he said.

He told a reporter that there “might” be “individual circumstances” that “merit some examination, but none that come immediately to mind for me.”

“I think for folks who are in the government world, they kind of have to do their job, whether you agree with the law or you don’t,” the pugnacious governor said.

Since the Supreme Court voted 5-4 to legalize homosexual “marriage” last Friday, elected officials have grappled with how to safeguard the rights of those who have deeply held religious beliefs that would not allow them to participate in such a ceremony.

Christie's response differs markedly from other GOP hopefuls' responses to the Supreme Court ruling. Mike Huckabee, for instance, has specifically said that clerks should have conscience rights. Louisiana Gov. Bobby Jindal signed an executive order granting such rights and ordered clerks to wait until a pending court case was fully adjudicated before any clerk issues a marriage license to a homosexual couple.

Christie gave up a legal appeal after a superior court judge struck down his state's voter-approved constitutional marriage protection amendment. New Jersey is the only state where such a low court overturned the will of the voters.

The decision to ignore conscience rights adds to the growing number of Christie's positions that give conservatives pause.

The natural locus of support for a Christie 2016 presidential run is the Republican's socially liberal donor class, for personal as well as political reasons. His wife works on Wall Street, and some of the GOP's high-dollar donors – including Paul Singer – have courted Christie for years.

However, this year Jeb Bush, Marco Rubio, and to a lesser degree Scott Walker have eclipsed Christie as the preferred candidates of the boardroom donors – who sometimes prefer Democrats to Republicans.

Christie also used language during a speech before the Republican Jewish Coalition last year, which concerned some major GOP donors.

Christie is reportedly spending this weekend with Mitt Romney and his family at Romney's New Hampshire home. Romney declined to enter the 2016 race himself and may be able to open his donor list to Christie's struggling campaign.

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After having a girl with Down syndrome, this couple adopted two more

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By Ben Johnson

LINO LAKE, MN, July 3, 2015 (LifeSiteNews) – For most people, having five biological children would have been enough. In fact, for many Americans, large families are treated as a scandal or a burden.

But one family made the decision, not just to have a large family, but to give a home to some of the most vulnerable children in the world: Girls born overseas with Down syndrome.

Lee and Karen Shervheim love all seven of their children, biological or otherwise. Undeterred by having twin boys – Daniel and Andrew, 18 – they had Sam four years later.

They now have three daughters who are all 11 years old. All three have Down syndrome.

And two of them are adopted.

About the time their eight-year-old son, David, was born, Lee and Karen decided to adopt a child with Down syndrome to be a companion to their daughter, Annie.

They made the further unexpected choice to adopt a child from Eastern Europe with the help of Reece's Rainbow, which helps parents adopt children with Down syndrome.

“Between my wife and I, we couldn’t get it out of our heads,” Lee told the Quad City Press. “So many children need families and we knew we could potentially do something about it.”

After originally deciding to adopt Katie, they spent six weeks in Kiev, visiting an orphanage in nearby Kharkov. While there, they decided they may have room in their heart, and their home, for another child.

When they saw a picture of Emie striking the same pose as their biological daughter in one of their photographs, they knew they would come home with two children.

Both girls were the same age as their Annie. She would not lack for companionship, as they worried.

Lee said after the Ukrainian government – finally – completed the paperwork, they returned to the United States, when the real challenges began.

“The unvarnished truth,” Lee told the Press, is that adopting the Russian-speaking special needs children “was really disruptive to our family. They came with so many issues that we had not anticipated.”

After teaching them sign language and appropriate behavior, they moved to Lino Lake, Minnesota and found a new support group in Eagle Brook Church. There they found personal assistance and spiritual solace.

Every year in the past seven years has been better and better, they say.

“I think my girls can do almost anything they want to do,” he said, “and that’s what I want to help them become.”

The family's devotion is fueled by their faith, and it informs the sense of humor Lee showed in a tweet during the 2014 midterm elections:

It takes a special person to believe in the potential of the “mentally retarded,” as they were once labeled. Today, 90 percent of all babies diagnosed with Down syndrome in the womb will be aborted. The percentage is higher in some countries. Some have even spoken of "a world without people with Down syndrome."

Their God, and their experience, tell them that every child has infinite worth and potential, Lee told local media, and he would encourage anyone to follow his footsteps and adopt a Down syndrome child – or two.

“The message is that it really doesn’t matter where you started or where you came from,” Lee said. “There are endless opportunities for everyone, whether they have disabilities or not. They deserve a shot.”

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