Wintery Knight

…integrating Christian faith and knowledge in the public square

Bruce Gordon: problems with inflationary multiverse cosmologies

From Evolution News. Dr. Bruce Gordon reflects on whether the new BICEP2 results offer any support for the multiverse.

First, quick review of the Big Bang so we’re clear on the challenge that poses for naturalism:

Now, Big Bang theory has its theoretical basis in general relativity, which predicts that the universe is spatiotemporally expanding in the future direction and thus would be contracting if we were to reverse the direction of time. As Roger Penrose and Stephen Hawking showed in the late 1960s, no matter which general-relativistic model of our universe is chosen, this contraction leads to a beginning point in the finite past — a singularity, to use the technical term — from which not just matter and energy, but spacetime itself, emerged. This coming into existence of the universe from nothing (no space, no time, no matter, no energy, and hence no physical laws either) is what is known as the Big Bang. It is, as the agnostic astronomer Robert Jastrow once observed, startling evidence for the doctrine of creation ex nihilo. He famously put it this way:

For the scientist who has lived by his faith in the power of reason [editorial aside: Jastrow might better have said "faith in the sufficiency of materialist explanations" because the inference from the ex nihilo generation of the universe to a transcendent intelligent cause is eminently reasonable], the story ends like a bad dream. He has scaled the mountain of ignorance; he is about to conquer the highest peak; as he pulls himself over the final rock, he is greeted by a band of theologians who have been sitting there for centuries.

This having been established, as the physicist George Gamow demonstrated in 1948, one of the predictions of Big Bang theory is the existence of gravitational ripples and cosmic background radiation (CBR) that are an “echo of Creation,” as it were, throughout the whole observable universe. This cosmic background electromagnetic radiation was discovered in 1965 by Robert Wilson and Arno Penzias, a discovery for which they were awarded the Nobel Prize. In this regard, the alleged detection of gravitational waves would serve as further confirmation of the correctness of Einstein’s theory of general relativity and of the nature of the Big Bang itself. If corroborated by the scientific community, it would be a hugely important discovery, not just because of the evidence it provides for gravitational waves, but also because of the way this discovery is linked to another theory, namely, inflationary cosmology.

Inflationary cosmology is an enhancement to the standard Big Bang cosmology, and some models of inflationary theory can create additional universes. Some people are hoping that this will address the fine-tuning argument.

But Dr. Gordon is having none of that:

Of course, the inflationary mechanism is often regarded as generative of an unending and rapid succession of universes with the idea that, if enough universes are produced by such means, the improbabilities just mentioned don’t matter. Several things need to be said about this “inflationary multiverse” proposal:

(1) First of all, as pointed out by one of the physicists involved in the BICEP2 project, Kent Irwin at Stanford University, the BICEP2 results do not address the truth or falsity of inflationary multiverse theories.

(2) Secondly, attempting to swamp the improbabilities intrinsic to inflation by multiplying the number of universes it generates to the point of compensation has consequences that undermine scientific rationality. In a materialist multiverse resting on the hypothesis of an undirected and irreducibly probabilistic quantum inflationary mechanism that lacks any principle of sufficient material causality, anything can happen for no reason at all. What is more, quantum-mechanically speaking, everything that can happen, no matter how improbable, does happen, and it happens with unlimited frequency. In this environment we can have no confidence that the future will resemble the past in a way that legitimates uniformitarian assumptions and the very inductive inferences that make science possible. In short, taken seriously, the inflationary multiverse proposal completely undermines scientific rationality.

(3) Thirdly, at least two paradoxes result from the inflationary multiverse proposal that suggest our place in such a multiverse must be very special: the “Boltzmann Brain Paradox” and the “Youngness Paradox.” In brief, if the inflationary mechanism is autonomously operative in a way that generates a multiverse, then with probability indistinguishable from one (i.e., virtual necessity) the typical observer in such a multiverse is an evanescent thermal fluctuation with memories of a past that never existed (a Boltzmann brain) rather than an observer of the sort we take ourselves to be. Alternatively, by a second measure, post-inflationary universes should overwhelmingly have just been formed, which means that our existence in an old universe like our own has a probability that is effectively zero (i.e., it’s nigh impossible). So if our universe existed as part of such a multiverse, it would not be at all typical, but rather infinitely improbable (fine-tuned) with respect to its age and compatibility with stable life-forms.

(4) Fourthly, a mechanism that generates universes ad infinitum must have stable characteristics that constrain its operation if it is to avoid breaking down and sputtering to a halt. In short, universe-generators have finely tuned design parameters that themselves require explanation. So postulating a universe-generator to explain away the appearance of first-order design in a single universe does not obviate the inference to design, it merely bumps it up to the next level. Avoiding an infinite regress of explanatory demands leads to the recognition of actual design terminating in an Intelligence that transcends spacetime, matter and energy, and which, existing timelessly logically prior to creating any universe or multiverse, must also therefore exist necessarily, and therefore require no further explanation of its own existence.

(5) Fifthly and finally, as demonstrated by Arvind Borde, Alan Guth, and Alexander Vilenkin in 2003 (see further reading suggestions below), any inflationary multiverse has a beginning in the finite past: while inflationary models can, in theory, be eternal into the future, it is mathematically impossible for them to be eternal into the past. This means that the inflationary multiverse entails creation ex nihilo in precisely the same manner as the Big Bang. The universe thus manifests dependence on a transcendent reality in respect of its origin, but what is more, in virtue of the manifest absence of sufficient material causation in many aspects of its persistence as a quantum-mechanical phenomenon, the material universe also manifests dependence on a transcendent reality in respect of its operation (for an extended argument to this effect, see my article on quantum-theoretic challenges to philosophical naturalism referenced in the suggested readings).

What all of this reveals, of course, is that it’s intelligent design all the way through and all the way down and that theophobic scientific materialists, once they get past knee-jerk denials, must come to terms with what is, for them, a worldview-defeating fact.

The Boltzmann Brain paradox in point 3) came up as a problem with inflationary multiverse cosmologies in the recent Craig-Carroll debate.

I bolded part 4) because as Dr. Robin Collins has argued before, the multiverse-generation mechanism does not get rid of the fine-tuning, it just pushes it up one level. And I bolded part 5) because Dr. Gordon is alluding to the Borde-Guth-Vilenkin (BGV) theorem there, which always comes up in debates on cosmology. The theory applies to inflationary cosmologies: they still require an absolute beginning. These are serious problems that we should not gloss over when people push a speculative model like the multiverse in order to escape the fine-tuning argument.

I always thought of Dr. Gordon as kind of a moderate Canadian guy, but I love that last line, don’t you? :) Don’t fear the reaper, naturalists.

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CBO report: Obama’s proposed minimum-wage increase could kill 500,000 jobs

Three stories from Investors Business Daily, and one of them is about the dreaded stagflation.

First one, on the CBO report.


On Tuesday, the Congressional Budget Office made another blockbuster pronouncement, this one concluding that the White House minimum wage hike to $10.10 an hour really does kill jobs.

The $10.10 option, when fully implemented, “would reduce total employment by about 500,000 workers, or 0.3%,” CBO says. Job losses could be as high as 1 million.

This followed last week’s CBO calculation that the impact of ObamaCare on the labor market will be about 2 million fewer workers over time, due to higher costs on employers and employees of mandated coverage and the availability of subsidized insurance to nonworkers.


Second article, about how the Democrats seem to be trying to create dependency in order to buy votes from people who cannot pay their own way.


January’s labor report confirmed yet another month with over 100 million Americans not working. In fact, more than 100 million Americans have not been working in Obama’s workers’ paradise for all of 2012 and 2013, a unique achievement in American history.

[...]How has Obama managed to “liberate” so many workers from work? Through Social Security disability, which has increased by more than 21%, extending “unemployment” benefits to two years and by eliminating work requirements as a condition of receiving federal benefits.

The number of Americans on food stamps has soared by 50% under Obama to close to 50 million, largely because work requirements, asset checks and other restraints on abuse have been relaxed. Indeed, more than twice as many more Americans have gotten food stamps under Obama than have gotten jobs. Under ObamaCare, the same transformation is now under way for Medicaid.

Today, federal and state taxpayers pay a trillion dollars every year to the lowest 20% on the income ladder basically not to work. Under Obama total welfare spending has doubled since 2008. (Note that the administration is suing the state of Louisiana to turn over the names of everyone on welfare, precisely for Obama’s voter-turnout database.)

[...]CBO estimates that the slower economic growth from this reduced labor supply will mean $1.4 trillion less in federal tax revenue over the next 10 years. So ObamaCare will increase the deficit after all.

Third article, explaining that the failed policies of the Democrats have been tried before – by Carter.


Since the Obama “recovery” started 4-1/2 years ago, inflation appears to have been relatively tame, with core prices climbing just 7% from June 2009 to December 2013.

But as CBS News discovered when it looked a little closer, the overall number is deceptive. In fact, it found food prices soaring.

The official inflation data confirm this. Overall, food prices are up 9% since June 2009, according to the Bureau of Labor Statistics. And the cost of many staples is skyrocketing. Pork prices have climbed 14%; poultry is up 12%; eggs, 27%; milk, 20%.

Meanwhile, energy prices have climbed 18% during the recovery, and the price of gasoline is up a whopping 31.5%. Then there’s college tuition, up 23%.

At the same time, wages aren’t budging. In fact, measured in real terms, the median household income is 4% below where it was four-1/2 years ago. And while the official unemployment rate is down, that’s due to millions quitting the workforce altogether.

Yes, the economy has created 6.6 million jobs since June 2009. But the ranks of those not in the labor force climbed nearly 11 million, driving the labor force participation rate down from 65.7% to today’s 63% — a level not seen since 1978.

You might remember from the Carter era that stagflation was the name given to describe a period of slow or stagnant economic growth, low labor force participation and high prices (inflation). The only solution to this is to raise interest rates, which is very painful. But the longer we keep interest rates low, and keep government spending high, and keep taxing and regulating businesses into oblivion, the worst the medicine is going to be when we are forced to take it.

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William Lane Craig debates Lawrence Krauss in North Carolina: Does God Exist?

Would you like to hear a debate featuring the least intelligent atheist ever? Well, this is a good candidate.

The full transcript of the debate is here at the Reasonable Faith web site.

Audio of the William Lane Craig vs. Lawrence Krauss debate at North Carolina State University has now been posted at Apologetics 315. The people who recorded it did not do a good job, though.

And I also posted some background information on Craig’s arguments.

And now for one of my snarkiest summaries, which is fitting for Lawrence Krauss. A less snarky summary is at J.W. Wartick’s blog. And if you want to see a summary of a debate with a smart atheist, then here is the Craig-Millican debate summary.

William Lane Craig’s case

William Lane Craig made 5 arguments for the existence of God:

  • the contingency argument
  • theargument from the origin of the universe (kalam)
  • the argument from cosmic fine-tuning
  • the moral argument
  • the argument from the miracle of the resurrection

These arguments went unrefuted during the debate.

Lawrence Krauss’s case

Lawrence Krauss made the following arguments in his first speech:

  • Dr. Craig is a professional debater
  • Dr. Craig is not a scientist
  • Dr. Craig is a philosopher
  • Disproving God’s is a waste of my valuable time
  • Dr. Craig has the burden of proof to show evidence
  • My job is not to present any evidence
  • I think that “extraordinary claims require extraordinary evidence” is a nice slogan, but I have no evidence for it
  • I don’t like that God doesn’t appear on Youtube, therefore he doesn’t exist
  • I don’t like that God didn’t appear to humans until recently, therefore he doesn’t exist
  • I don’t like that the stars didn’t come together to spell “I am here”, therefore God doesn’t exist
  • Dr. Craig has to supply extraordinary evidence, because my favorite slogan says he has to
  • Dr. Craig talks about logic, but the universe is not logical
  • Dr. Craig doesn’t have any arguments, just things he doesn’t like
  • Dr. Craig doesn’t like infinity, and that’s why he believes in the Big Bang cosmology
  • Dr. Craig doesn’t like chance, and that’s why he believes in cosmic fine-tuning
  • Dr. Craig doesn’t like rape, and that’s why he believes in the ontological foundations of morality
  • If people believe in logic, then they can’t do science
  • The things that science discovers contradict the laws of logic
  • For example, Dr. Craig doesn’t like infinity, so he believes in the experimental measurements of the cosmic microwave background radiation
  • For example, Dr. Craig doesn’t like chance, so he believes in the fine-tuning of the gravitational constant for the formation of stable stars
  • Quantum mechanics shows that the universe is stranger than you think, therefore all of Craig’s arguments are false
  • My t-shirt says 2 + 2 = 5, therefore all of Craig’s arguments are false
  • Atheism may look ridiculous, but it’s true, and if you don’t like it, too bad – because the universe is very strange
  • Accidents happen all the time, so that explains the cosmic fine-tuning
  • We all have to convince ourselves of 10 impossible things before breakfast, and atheism is impossible, so you need to convince yourself of it
  • I don’t know about the Big Bang, so Dr. Craig cannot use the Big Bang to to prove the universe began to exist
  • I don’t know about the cosmic fine-tuning, so Dr. Craig cannot use the fine-tuning of cosmological constants to prove the fine-tuning
  • I don’t know anything about science, so Dr. Craig cannot use science in his arguments
  • Dr. Craig says that the universe is contingent because it began to exist 13.7 billion years ago based on the state-of-the-art scientific evidence for the Big Bang creation out of nothing from 1) red-shift of light from distant galaxies, 2) cosmic microwave background radiation, 3) helium-hydrogen abundances, 4) experimental confirmation of general relativity, 5) the second law of thermodynamics, 6) radioactive element abundances, etc., but how does he know that? I don’t know that
  • It’s fine not to know the answer to scientific questions like whether the universe began to exist, it’s more exciting
  • Thinking that the universe began to exist based on 6 pieces of scientific evidence is the “God-of-the-Gaps” fallacy, it’s intellectual laziness
  • But all kidding aside, the universe actually did begin to exist 13.72 billion years ago, exactly like Craig says in his argument
  • I could argue that God created the universe 4.5 seconds ago with all of us sitting believing that we heard Dr. Craig, and how could you prove me wrong? It’s not falsifiable
  • Universes can spontaneously appear out of nothing, and in fact they have to appear out of nothing
  • Nothing is unstable, and space and time can come into existence out of nothing, so that’s not a problem
  • Our universe could have appeared out of a multiverse, an unobservable, untestable multiverse that I have no way of observing or testing
  • The universe is not fine-tuned for life, and no scientist says so, especially not Martin Rees, the atheist Astronomer Royal, and every other scientist
  • What if God decided that rape was OK, would it be OK? God can change his moral nature arbitrarily, can’t he?

Here are the arguments in Krauss’ second speech:

  • We don’t understand the beginning of the universe
  • We don’t understand whether the universe had a cause
  • Steven Weinberg says that science makes it possible to be an atheist, so therefore the universe didn’t begin and didn’t have a cause
  • It’s just intellectual laziness to say that the universe came into being 13.7 billion years ago, and that things that come into being of nothing have a cause
  • Dr. Craig is an expert on nothing, ha ha ha!
  • There are multiple versions of nothing, there’s nothing, and then there is something, which is also nothing if I want it to be
  • There was no space, there was no time, and then the space create the empty space
  • I’m going to give Dr. Craig a break
  • At least in the nothing there were laws like F=ma, and those laws created the empty space, because descriptions of matter that does not even exist yet can create space out of nothing
  • Alan Guth and Alexander Vilenkin are good friends of mine and I talk to them all the time, unlike Dr. Craig
  • Alan Guth and Alexander Vilenkin don’t mention God in their scientific papers, therefore the universe didn’t begin and didn’t have a cause
  • Maybe there is a multiverse that cannot be observed or tested? And my unscientific speculations are a refutation of Craig’s scientific evidence for the fine-tuning
  • Dr. Craig just doesn’t like my speculations about the unobservable, untestable multiverse, and that’s why he believes in the Big Bang cosmology
  • And if you let me speculate about an unobservable, untestable multiverse, then maybe the inanimate invisible universes reproduce and compete for food and mutate like animals and then there is natural selection so that the finely-tuned universes survive and now we’re in one!
  • My cool animation of blue goo mutating proves that the multiverse is real! Empty space is not empty!
  • Darwinism, which is a theory about the origin of species, explains the cosmic fine-tuning that occurred at the moment of creation
  • The unobservable, untestable multiverse universes all have different laws, I believe
  • We don’t know what the right answer is, but we are willing to look at any possibility, as long as the possibilities we look at are not supernatural possibilities
  • The discovery of the origin of the universe could be an accident, I don’t know if the universe began to exist or not, maybe all the six scientific evidences are wrong because if I don’t like the evidence we have, so I’ll just wait for new evidence to overturn the evidence we have which I don’t like
  • Maybe there are other forms of life that are unobservable and untestable that are compatible with a universe that has no stable stars, no planets, no elements heavier than hydrogen, no hydrogen, no carbon, etc.

Here are the arguments in Krauss’ third speech:

  • Dr. Craig is stupid
  • Why should we even care about Dr. Craig’s arguments and evidence, we can just count the number of scientists who are atheists and decide whether God exists that way – I decided everything based on what my teachers told me to believe
  • I actually know general relativity, not like Dr. Craig who co-wrote a book on general relativity published by Oxford University Press
  • What quantum mechanics shows is that virtual particles come into being in a quantum vacuum, and then go out of existence almost immediately – and that is exactly like how a 13.7 billion year old universe came into being in a quantum vacuum, and we’re going to disappear very soon
  • Space and the laws of physics can be created, possibly, if you accept my speculations about an unobservable, untestable multiverse
  • I don’t like the God of the Old Testament, therefore he doesn’t exist
  • Groups of people can decide what they think is good and evil, like the Nazis and slave-owners did, and then that becomes good for them in that time and place, and that’s what I mean by morality
  • Here’s something I studied that wasn’t fine-tuned, therefore there is no fine-tuning of the universe
  • Not knowing things is really exciting! Dr. Craig is not really exciting because he knows things – phooey!

Here are the arguments in Krauss’ fourth speech:

  • If you will just grant me an observable, untestable multiverse, then there must be some universe where intelligent life exists
  • Infinite numbers of things exist everywhere in nature, you can see lots of infinite collections of things, like jelly beans and bumblebees and invisible pink unicorns
  • I don’t like the fine-tuning, but if my speculations about the multiverse are proven true, then I won’t have to learn to live with the fine-tuning
  • Inflation, the rapid expansion of the universe which occurs at some time after the the origin of the universe (t = 0), explains the absolute origin of time, space, matter and energy out of nothing that occurred at t = 0
  • Physical processes that develop subsequent to the creation of the universe at t > 0 can explain the fine-tuning of quantities that are set at t = 0
  • Morality is just a bunch of arbitrary conventions decided by groups of people in different times and places by an accidental process of biological and social evolution, but that practice over there by those people is objectively wrong!
  • 1 Cor 15:3-7, which most scholars, even atheists like James Crossley, admit is dated to within 3 years of the death of Jesus, is actually dated to 50 years after the death of Jesus
  • The historical case for the resurrection made by people like N.T. Wright in their multi-volume academic works is on par with the story of Mohammed ascending to Heaven on a horse

If you liked this, please check out my snarky summary of Christopher Hitchens’ speeches in the Craig-Hitchens debate.

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Why do so many people oppose Obamacare and why isn’t Obama willing to fix it?

This article from National Review provides a simple overview of a few of the main problems with Obamacare.

I’ll just highlight a few of the points in the article.

Higher health care costs, higher health insurance costs, higher taxes:

Under ACA, health-care spending is expected to rise significantly, even beyond the usual inflation in medical prices. President Obama’s economic advisers originally had calculated that the bill would reduce health-care spending by $200 billion a year, from whence the president derived his intellectually indefensible conclusion that the bill would save the average family of four some $2,500 a year. Recently, the Centers for Medicare and Medicaid Services calculated that ACA will not reduce health-care spending at all and will instead add about $70 billion per year in the immediate future. Estimates of the program’s expense keep growing. It will spend more than originally estimated, it will tax more than originally estimated, and its vaunted deficit-reduction benefits have been evaporating at a pace suggesting that, as many predicted, they will never come to pass. In 2010, CBO projected that ACA would reduce the deficit by $140 billion through 2019; today that projection is a mere $4 billion. The estimated tax increases in the bill have doubled.

It discriminates against men by forcing them to subsidize women’s health care:

The difference between the increase in men’s rates and those in women’s rates is one of the more naked bits of ideology apparent in the bill. Women spend considerably more on health care than men do, and hence have paid higher health-insurance premiums. The architects of the ACA decided that this was not permissible, and so by fiat eliminated the difference, meaning a disproportionate increase in men’s rates. Likewise, because there can be only so much difference permitted in prices paid by the young and the old, the young will pay much higher rates.

Employers are forced to make full-time employees work part-time:

[The employer mandate creates a] powerful economic preferences for part-time workers. By mandating coverage for those working 30 hours or more, the employer mandate makes part-time workers that much more attractive to businesses, a fact not lost on President Obama’s erstwhile supporters in organized  labor. “The ACA will shatter not only our hard-earned health benefits, but destroy the foundation of the 40-hour work week that is the backbone of the American middle class,” reads a joint letter from the major labor unions.

It creates incentives to not marry and to not work:

And in an especially clumsy move, the program’s architects have designed the income limits on its subsidies as hard cutoffs rather than gradual phaseouts. For example, as Ed Driscoll points out, a married couple earning $62,040 would face a $10,000 penalty for earning $1 extra — unless they get divorced. That’s a very high effective marginal tax rate. Likewise, a married couple with two children with $93,000 in joint income would pay far more for insurance than they would if they divorced and custody were granted to the lower-earning spouse. So while the employer mandate creates a disincentive to hire, the high penalties for extra income create a disincentive to work — hardly the thing that’s called for in a period of high joblessness and record welfare dependency.

That’s enough – read the article for many, many more. And the article doesn’t even cover all the problems, although some of my previous posts (like this one) have talked about these other problems that weren’t mentioned in the National Review article. And there are even ethical problems, like the abortion drugs coverage mandate and the fact that pro-life taxpayers will be subsidizing abortions from day one. I could go on, but I’ll try to keep this post short.

So what is Obama doing about the problems in his policy? The Republicans have asked him to delay the individual mandate for a year, and to make Congress give up their exemption from Obamacare – a law they passed themselves!

The Wall Street Journal explains Obama’s response to the problems in his health care policy.


President Obama is sitting out one of the most important policy struggles since he entered the White House. With the government shutdown, it has reached the crisis stage. His statement about the shutdown on Tuesday from the White House Rose Garden was more a case of kibitzing than leading. He still refuses to take charge. He won’t negotiate with Republicans, though the fate of ObamaCare, funding of the government and the future of the economic recovery are at stake. He insists on staying on the sidelines—well, almost.

Mr. Obama has rejected conciliation and compromise with Republicans. Instead, he attacks them in sharp, partisan language in speech after speech. His approach—dealing with a deadlock by not dealing with it—is unprecedented. He has gone where no president has gone before.

[...][A]s he was predicting widespread suffering, Mr. Obama steadfastly refused to negotiate with Republicans. He told House Speaker John Boehner in a phone call that he wouldn’t be talking to him anymore. With the shutdown hours away, he called Mr. Boehner again. He still didn’t negotiate and said he wouldn’t on the debt limit either.

Mr. Obama has made Senate Majority Leader Harry Reid his surrogate in the conflict with Republicans. Mr. Reid has also declined to negotiate. In fact, Politico reported that when the president considered meeting with Mr. Boehner and Mr. McConnell, along with the two Democratic congressional leaders, Mr. Reid said he wouldn’t attend and urged Mr. Obama to abandon the idea. The president did just that.

[...]The president’s tactic of attacking Republicans during a crisis while spurning negotiations bodes for a season of discord and animosity in the final three-and-one-quarter years of the Obama presidency. That he has alienated Republicans doesn’t seem to trouble Mr. Obama.

The important lesson we must all learn from this is that Barack Obama had no experience in health care policy. He didn’t surround himself with people who understood health care policy, either. The next time that we have the opportunity to elect a President, we need to realize that we are not picking a favorite celebrity or an American Idol. The President’s job is not to dance and sing and act to amuse us. The President’s job is to solve problems. Part of being a problem solver is also being a good negotiator. We need to pick someone who has experience successfully solving the problems that are facing us as a nation. Speeches are no substitute for past performance.

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Obamacare will increase average individual-market premiums by 99% for men

% Increase in health insurance premium before and after Obamacare

Percent increase in average health insurance premium after Obamacare

What will you be paying for the privilege of electing a socialist who made you feel good about yourself?

Avik Roy counts the cost in Forbes magazine.


For months now, we’ve been waiting to hear how much Obamacare will drive up the cost of health insurance for people who purchase coverage on their own. Last night, the U.S. Department of Health and Human Services finally began to provide some data on how Americans will fare on Obamacare’s federally-sponsored insurance exchanges. HHS’ press release is full of happy talk about how premiums will be “lower than originally expected.” But the reality is starkly different.

Based on a Manhattan Institute analysis of the HHS numbers, Obamacare will increase underlying insurance rates for younger men by an average of 97 to 99 percent, and for younger women by an average of 55 to 62 percent. Worst off is North Carolina, which will see individual-market rates triple for women, and quadruple for men.

[...][M]any 27-year-olds will face steep increases in the underlying cost of individually-purchased insurance under Obamacare. For the states where we have data—the 36 reported by HHS, plus nine others that we had compiled for our map that HHS didn’t report—rates will go up for men by an average of 97 percent; for women, 55 percent. (In the few cases where HHS reported on states that our map includes, we went with HHS’ numbers.)

Worst off was Nebraska, where the difference between the cheapest plan under the old system and under Obamacare was 279 percent for men, and 227 percent for women: more than triple the old rate. Faring best was Colorado, where rates will decline for both 27-year-old men and women by 36 percent. The only other state to see a rate decline in this analysis was New Hampshire: 8 percent for both men and women.

(Still missing are data from Hawaii, Kentucky, Massachusetts, Maryland, Minnesota, and Nevada. The data from New York and New Jersey should be taken with a grain of salt, as their individual insurance markets are not like those of other states.)

[...]40-year-olds, surprisingly, will face a similar picture. The cheapest exchange plan for the average enrollee, compared to what a 40-year-old would pay today, will cost an average of 99 percent more for men, and 62 percent for women.

You might be asking why men have to pay more than women for Obamacare premiums, and the answer is simple. Even though women use a lot more health care, companies are now forbidden from making women pay more because they use more. Women will be paying less because men will be picking up the cost. That’s called “equality”. The same thing happened with the stimulus, which also favored women, because they are more likely than men to support big government Democrats at election time.

What about the subsidies that are being offered by the government to ease the transition to government-controlled health care?

However, the overall results make clear that most people will not receive enough in subsidies to counteract the degree to which Obamacare drives premiums upward. Remember that nearly two-thirds of the uninsured are under the age of 40. And that young and healthy people are essential to Obamacare; unless these individuals are willing to pay more for health insurance to subsidize everyone else, the exchanges will not serve the goal of providing coverage to the uninsured.

Democrats like to make much of the subsidies that they are offering to offset these skyrocketing premiums, but that money is being borrowed from the children of today. They are the ones who will have to pay the money back. In effect, we are borrowing money from the next generation of workers to pay off the health care of the retirees of today. Obamacare is a massive transfer of wealth from young people to older people. Young people are still very much under the influence of the brainwashing they got from their teachers in government-run public schools. They have been taught that in order to be good people, they need to vote for socialism. And they do. It’s only much later that the bill comes due – for now they are blissfully unaware of what they are doing to themselves.

Health insurance premiums have been going up since 2008

Remember, premium shave already gone up $3,000 on average since Obamacare was passed, despite Obama promising they would drop by $2,500. That’s a $5,500 difference.

From Investors Business Daily.


During his first run for president, Barack Obama made one very specific promise to voters: He would cut health insurance premiums for families by $2,500, and do so in his first term.

But it turns out that family premiums have increased by more than $3,000 since Obama’s vow, according to the latest annual Kaiser Family Foundation employee health benefits survey.

Premiums for employer-provided family coverage rose $3,065 — 24% — from 2008 to 2012, the Kaiser survey found. Even if you start counting in 2009, premiums have climbed $2,370.

What’s more, premiums climbed faster in Obama’s four years than they did in the previous four under President Bush, the survey data show.

There’s no question about what Obama was promising the country, since he repeated it constantly during his 2008 campaign.

In a debate with Sen. John McCain, for example, Obama said “the only thing we’re going to try to do is lower costs so that those cost savings are passed onto you. And we estimate we can cut the average family’s premium by about $2,500 per year.”

At a campaign stop in Columbus, Ohio, in February 2008, Obama promised that “We are going to work with you to lower your premiums by $2,500. We will not wait 20 years from now to do it, or 10 years from now to do it. We will do it by the end of my first term as president.”

A $5,500 difference doesn’t mean a lot to Obama. But maybe it means a lot to you. We’re going to find out exactly what we voted for very soon now.

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