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Thank You Obamacare - California Health Insurance Costs Spike Up To 88% In 2014

Tyler Durden's picture


If you like your disposable income... forget it. Health-care insurance premiums for individuals in California rose between 22% and 88% in 2014 from last year, even after the federal health-care overhaul. This has led, as Bloomberg reports, to Proposition 45 - a bill that would grant regulatory say on proposed premium increases. "Unless Proposition 45 is passed we are going to continue to see dramatic year-over-year increases," warned Insurance Commissioner Dave Jones.


As Bloomberg reports,

Insurance Commissioner Dave Jones said, a Democrat, is pushing a statewide ballot measure for November known as Proposition 45 that would give him regulatory say on proposed premium increases. The measure is opposed by insurance companies, which have said that it would actually cause rates to rise while harming the quality of care.


“Unless Proposition 45 is passed or some other law is enacted to provide health-insurance rate regulation and the requirement that health insurers and HMOs justify their rates, we are going to continue to see dramatic year-over-year increases,” Jones said in a telephone briefing with reporters.


The California health-care insurance exchange, called Covered California, is expected to announce its 2015 rates later this week. Jones said he expects those increases to be “modest at best” because insurance companies will want to avoid providing voters reason to approve Proposition 45.


The insurance commissioner is using this misleading report to promote a ballot measure that would give him vast new powers over health care decisions,” said Robin Swanson, a spokeswoman for the campaign against the initiative, Californians Against Higher Health Care Costs. “Our coalition of doctors, nurses, labor unions and health care providers opposing the measure thinks that giving one politician the power to override decisions made by the state’s successful health exchange is the wrong approach to controlling costs.”

*  *  *
Seems like everything's going according to plan for Obamacare...


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Wed, 07/30/2014 - 19:49 | 5025058 TeamDepends
TeamDepends's picture

Bwahahahah!!! And it's called the Affordable Care Act!

Wed, 07/30/2014 - 19:52 | 5025066 nmewn
nmewn's picture

It is, all you have to be is a prisoner or on welfare and its absolutely frrrrreeeee!

Wed, 07/30/2014 - 19:56 | 5025092 kaiserhoff
kaiserhoff's picture

Damn.  That's gonna leave a mark.

How do I become an illegal alien?

Wed, 07/30/2014 - 19:57 | 5025103 Say What Again
Say What Again's picture

move to mexico

Wed, 07/30/2014 - 19:59 | 5025112 nmewn
nmewn's picture


Wed, 07/30/2014 - 20:12 | 5025162 TeamDepends
TeamDepends's picture

Folks, this is what happens when you let communists, who don't have a lick of business sense, run things.

Wed, 07/30/2014 - 20:20 | 5025178 LetThemEatRand
LetThemEatRand's picture

Not so sure about that.  The insurance companies and mega healthcare providers are making out like bandits.;range=2y

They seem to have pretty good business sense, and they wrote the thing.  It's fascism.

Wed, 07/30/2014 - 20:27 | 5025236 Four chan
Four chan's picture

well all the ebola carriers are being allowed back into the us with zero i repeat zero tracking. fuck our government.

Wed, 07/30/2014 - 22:05 | 5025655 Relentless101
Relentless101's picture

NSA is up your ass for jaywalking. Yet people who are an actual health threat to society are freeeeeeeeee.

Wed, 07/30/2014 - 20:28 | 5025239 nmewn
nmewn's picture

Fascism is socialism is communism.

We've all been over this but I guess Gazprom "refined" communism a little better.

Shall we just say, power corrupts & top-down power corrupts absolutely? ;-)

Wed, 07/30/2014 - 20:38 | 5025272 LetThemEatRand
LetThemEatRand's picture

"power corrupts & top-down power corrupts absolutely"

We can certainly agree on that.  I think where you and I disagree is on the concept that top down power will cease to exist if we don't have a representative government that keeps the sociopaths (the ones who will ism all over your face regardless of which one you pick) in check.  I think it only gets worse if we free the sociopaths of all restraint, whereas you think it gets better.  The system is broken.  The cure is not contained in any fiction books.

Wed, 07/30/2014 - 20:57 | 5025351 nmewn
nmewn's picture

I think we disagree on many things Rand.

I told you before and I meant it, I'm here to burn "the system" to the ground. If a "majority" is going to use "the system" to force feed me shit and demand I like it, what did you ever expect the reaction of the minority would be?

The Rule of Law is not something to trifle with, you have always needed it more than I.

I just tolerate it, you need to understand that concept and appreciate the implications.

Wed, 07/30/2014 - 21:05 | 5025376 LetThemEatRand
LetThemEatRand's picture

So I guess what you're saying is that I need to watch my back for semi-colons containing an extra dash and an (ironic) smiley parenthesis.  Got it.

Wed, 07/30/2014 - 21:07 | 5025408 nmewn
nmewn's picture

No, what I'm saying is, when you are a part of imposing tyranny on a society don't be shocked when you get blowback.

Oh yeah, for you, huckleberry ;-)

Wed, 07/30/2014 - 21:11 | 5025423 LetThemEatRand
LetThemEatRand's picture

Your idea of liberty is to let the oligarchs run loose.  To me, that is the very definition of tyranny.  Now imagine lots of extra punctuation and bold letters to make my point.

Wed, 07/30/2014 - 21:28 | 5025500 nmewn
nmewn's picture

The oligarchs are running loose now, not tripping or even overly concerned about every prosecuter & regulator & law there is in the entire world, which fills vast "people funded" marbled buildings in capitols across the planet & volumes of supposed compliance on the bookshelves within.

You're idea, Rand, is funding more of the same.

Now, imagine if you weren't so fixated on an anonymous commenters punctuation & bolded letters how far ahead of the curve you would be ;-)

Wed, 07/30/2014 - 21:33 | 5025521 LetThemEatRand
LetThemEatRand's picture

Your idea is more of the same on steroids.  My idea is to go back to Constitutional government.

Wed, 07/30/2014 - 22:11 | 5025570 nmewn
nmewn's picture

The only respect I ever had for you is, you never willingly lied in the past.

Don't start now.


Thanks ;-)

Thu, 07/31/2014 - 09:12 | 5026811 Hundred Dollar Bonus
Hundred Dollar Bonus's picture

The oligarchs control the state. The solution is to abolish the state. The oligarchs can run wild, but they will have nothing to monopolize without the state.

Thu, 07/31/2014 - 12:36 | 5027746 XitSam
XitSam's picture

Constitutional government is what got us in this mess. Why do you, or the people you nominate, support forcing other people to do your will?

Thu, 07/31/2014 - 08:17 | 5026617 CaptOveur
CaptOveur's picture

We need to beef up the oligarchy so they can protect us from oligarchs??? The D.C. suburbs dominate the list of wealthiest U.S. counties

Thu, 07/31/2014 - 05:58 | 5025941 Mr. Ed
Mr. Ed's picture

Tyranny schmerany!  The controlling issue here is not ideology, it's psychopathy.  The current psychopath strategy stands on two legs:  THIRD PARTY PAY and PURCHASE AT THE POINT OF A GUN (try to avoid the fine, you'll see the gun).  Sure, there's such a thing as ideology, but that ship sailed a long, long time ago.

Years ago, when company-provided health insurance began spreading, medical costs started rising sharply... and now, with Medicare, Medicaid, SS disability. etc, and government (the unlimate third party payer) involved, costs have reached the stratosphere.  If you're a care provider, drug manufacturer or device maker, you don't have to convice every single patient to pay through their nose!  All you have to do is bribe the 3rd party payer in some manner and hey...  your prices are completely unreasonable?  Not a problem!

With prices at nosebleed thanks to 3rd party pay, the ACA comes along and makes it impossible for citizens to push costs back down by voting with their feet (it's kinda like "Escape from East Germany" where you are liable to get "shot in the back" with a fine as you try to cross the barbed wire of regulation) ...we, the entire nation thank you, Justice "it's a tax" Roberts - you worthless piece of shit!!!

Nmewn, I often agree with your points of view, but I believe this is ultimately about psychopathic scheming.  If you can move something outside of the free marketplace, you create a red tape infested payment/cost structure that will facilitate the skimming and scheming of grifting psychopaths... and there are so many of them around (in congress, the courts, K-Street, etc.)  They're always ready to dress up in their best pretend do-gooder clothes and push for anything (like the ACA) that creates a wonderland for grifters.

What's happening in CA will happen everywhere. Price increases will probably parallel the number of psychopaths in a given venue.

Thu, 07/31/2014 - 01:07 | 5026220 Mr. Ed
Mr. Ed's picture

What is your definition of a psychopath?  Take a look at  Fishead.

Wed, 07/30/2014 - 20:37 | 5025278 TeamDepends
TeamDepends's picture

Thank you, brother. Communism and fascism are two sides of the same coin. And that coin is tyranny. But it can not be denied that the current flotsam in the White House are card-carrying red diaper babies.

Wed, 07/30/2014 - 20:48 | 5025301 LetThemEatRand
LetThemEatRand's picture

They are two sides of the same coin because of the guys who take over in any system that does not have adequate checks and balances.  Pure free market capitalism is also an ism, and it will also be taken over by the same guys.  When we ignore that part of the equation, we can conveniently blur all distinctions between different isms and suggest a new one to fix everything.  It all looks great on paper.  Keep in mind that if Obama were a communist, he would own the health care companies.  But the opposite is true.  It's only the same result because its the same guys who are running things.  Let's not put them in charge officially by reading Rand too literally.

Wed, 07/30/2014 - 21:05 | 5025390 nmewn
nmewn's picture

"Keep in mind that if Obama were a communist, he would own the health care companies.  But the opposite is true."

Is it?

Are they not regulated?

Wed, 07/30/2014 - 21:07 | 5025396 LetThemEatRand
LetThemEatRand's picture

Even if you want to ignore who the regulators are as pointed out by ZH over and over and over, who authored the majority of the bill?  Follow the money.

Wed, 07/30/2014 - 21:33 | 5025519 nmewn
nmewn's picture

You know the thing about authorship?

Its about who signed off on it to make it LAW!!!

Sorry for the bold & the smiley, I really can't help myself at this point, you're too easy ;-)

Wed, 07/30/2014 - 21:34 | 5025527 LetThemEatRand
LetThemEatRand's picture

Yes, let's blame the guys who were bribed instead of the ones doing the bribing.  Good solution.

Wed, 07/30/2014 - 21:56 | 5025622 nmewn
nmewn's picture

"Yes, let's blame the guys who were bribed instead of the ones doing the bribing.  Good solution."

Lets just let that sit there for a second...


Thats quite an indictment on ism's & democrats.

Are you saying Pelosi is a guy, Ben Nelson is a crook or O'Barry is both? ;-)

Thu, 07/31/2014 - 00:48 | 5026201 NihilistZero
NihilistZero's picture

Nmewn and Rand, I love you both!  Random as the system exists are support your views in quite a few ways in that the uninformed masses who suffer under the oligarchy could use the relief.  The people don't comprehend how the Oligarchy is fucking them. 


That said, I'm with Nmewn for the Anarchist uprising.  Destroy this motherfucker. Unlike crashisoptimistic I think we can survive a transition from fossil fuel energy if we had a truly free society.  I think there's little we can't accomplish as a species. 


Anyway, Love reading your both.  Hope we all live to see better days for freedom and our families.  Take care brothers. 

Thu, 07/31/2014 - 05:10 | 5026425 hobopants
hobopants's picture

Two smart guys bickering over dogma...

Anarchy is liberty for the optimist, the American constitution is liberty for the pessimist. They are both viable options and much better than what we have now. I enjoy what both of you contribute around here, but why you would waste energy antagonizing each other, when an honest debate would benefit everyone involved?


Thu, 07/31/2014 - 12:40 | 5027754 XitSam
XitSam's picture

Checks and balances? Are you joking? When each group doing the checking conspire to increase their power (tyranny) over the serfs?

Thu, 07/31/2014 - 02:29 | 5026336 A Nanny Moose
A Nanny Moose's picture

Fascism and Communism are just slightly differing brands of Socialism. The State is the source of the socialist entity known as The Corporation. The State simply exists to benefit the current oligarchy holding the reigns of the monopoly on force.

Wed, 07/30/2014 - 20:02 | 5025124 kaiserhoff
kaiserhoff's picture

Muchas Gracias Amigo.

Wed, 07/30/2014 - 20:05 | 5025136 Say What Again
Say What Again's picture

Creo que todo el mundo acepta que esta es una propuesta en la que llevamos trabajando mucho tiempo.

Wed, 07/30/2014 - 20:08 | 5025150 kaiserhoff
kaiserhoff's picture

Diez passorts para todos y un pollo en una olla everty.

Wed, 07/30/2014 - 20:13 | 5025171 Say What Again
Say What Again's picture

y una escalera para saltar la valla

Wed, 07/30/2014 - 20:22 | 5025212 kaiserhoff
kaiserhoff's picture

No thanks.  I'm a pretty good swimmer;)

Wed, 07/30/2014 - 20:26 | 5025229 Say What Again
Say What Again's picture


Thu, 07/31/2014 - 01:46 | 5026292 401K of Dooom
401K of Dooom's picture

Simple,do not carry any form of identification on you and imitate an accent.  Then say "no speakee engleee"  and that should set you up for life!

Wed, 07/30/2014 - 20:16 | 5025184 Groundhog Day
Groundhog Day's picture

my parents used to be able to pay cash for all doctor visits and just buy a catastrophe policy in case of a hospital stay (10000 max out of pocket which they were completely fine with).  Obamacare got rid of those policies.  Fuckin scumbag insurance companies wont stop until they squeeze every last penny out of the corpse

Wed, 07/30/2014 - 19:52 | 5025074 El Vaquero
El Vaquero's picture

I know, right?  I knew this was going to be a clusterfuck as soon as I saw that the bill had thousands of pages and was sponsered by the government. 

Wed, 07/30/2014 - 20:16 | 5025163 hobopants
hobopants's picture

That and nobody bothered to read the fucker in its entirety, not even the people who wrote it (and especially not the idiots who passed it).

Wed, 07/30/2014 - 20:00 | 5025122 McMolotov
McMolotov's picture

Generally speaking, one can usually read the name of a bill and assume its deliberate intent or unintended consequence to be the polar opposite, as with the "Patriot" Act.

They should just start putting sarcastic quotes around everything that gets passed.

Wed, 07/30/2014 - 20:03 | 5025132 El Vaquero
El Vaquero's picture

That sounds like a wonderful idea. Too bad people are morons and wouldn't get it.

Wed, 07/30/2014 - 20:35 | 5025148 californiagirl
californiagirl's picture

I wouldn't be surprised if the California government and the Obama administration are secretly pleased about the huge increase in rates. As private health insurance becomes less and less affordable, more and more businesses will be forced to drop their plans and the employees will have to go on the health exchange.

Wed, 07/30/2014 - 20:13 | 5025169 williambanzai7
williambanzai7's picture

Wed, 07/30/2014 - 20:30 | 5025246 f16hoser
f16hoser's picture

They voted for change. What's the problem???

Wed, 07/30/2014 - 19:49 | 5025059 Say What Again
Say What Again's picture

Gotta love a "Free Market Environment"

This is more like a "Captive Consumer"

Thu, 07/31/2014 - 06:04 | 5026459 what's that smell
what's that smell's picture

if they woulda named it "America's Got Healthcare" it woulda worked; maybe the 9PM time slot.

Wed, 07/30/2014 - 19:51 | 5025071 salvadordaly
salvadordaly's picture

Get ya some more Cali!!!!    Suck it up!! I HOPE IT CHANGES!!  No worries surfs up, douche's!!!!! I do not want to hear one gripe from any one there.

Wed, 07/30/2014 - 20:02 | 5025125 MrTouchdown
MrTouchdown's picture

I love watching the leftists eat each other. Let's pass some more laws! We're almost to perfection.

Wed, 07/30/2014 - 20:21 | 5025209 IPA
IPA's picture

Dammit, you made me login. That's about what i was thinking as i threwup in my mouth a bit reading the first paragraph. 

Wed, 07/30/2014 - 19:53 | 5025073 starman
starman's picture

Wrong! Its over a 100%! Trust me on this one. And I only have one kid.

Wed, 07/30/2014 - 20:00 | 5025110 813kml
813kml's picture

Did you sell the other one so you could pay the premium?

Wed, 07/30/2014 - 20:00 | 5025113 kaiserhoff
kaiserhoff's picture

Well there's you mistake.  If you had a dozen kids, the average cost would be lower.

OBammy Luvs Welfare!

Wed, 07/30/2014 - 20:03 | 5025127 Miffed Microbio...
Miffed Microbiologist's picture

Well, our regular lab supplies have risen over 150% during the same period so I would guess the future doesn't bode too well.


Wed, 07/30/2014 - 20:14 | 5025177 El Vaquero
El Vaquero's picture

Just wait until it dawns on the sheep that prices are only going to continue to rise, and it turns into a buy today instead of buy for more tomorrow.  150% - that's more excessive than what's going on in the supermarkets.

Wed, 07/30/2014 - 19:54 | 5025078 booboo
booboo's picture

Insurance Company Executives: "Please, this measure, this Prop would hurt (*snicker*) Shhhh!! us. We think this measure would be damaging to the industry (Bwhathaha) Be quiet I'm typing! and not be moving the debate forward (BWAAAHAHAHAHAHAHAHA! Dammit Nueralmann button it,............oh fuckit!! Ok we wrote Prop 45, there"


Wed, 07/30/2014 - 19:54 | 5025089 nosoeawe
nosoeawe's picture

how is this surprising?

-cali is incredibly liberal.

-liberals love the big eared jihadist in chief

-liberals love the big eared jihadist in chief's policies

-liberals voted for an increase in healthcare

they got what they wanted. sounds like winner, winner, chicken dinner to me

Wed, 07/30/2014 - 20:00 | 5025115 Say What Again
Say What Again's picture

The idea that Cali is liberal is an urban myth.  The reality is that most of the votes tend to be on the conservative side.

Its a well know phenomenon that the more money you have and/or the older a person is, the more conservative they tend to vote.

Wed, 07/30/2014 - 20:10 | 5025149 suteibu
suteibu's picture

The billionaires/millionaires Gates, Pelosi, Reid, Buffett, Boxer, Bloomberg, et al, notwithstanding.

Wed, 07/30/2014 - 21:42 | 5025566 Say What Again
Say What Again's picture

I'm going to down-vote my recent post, so I can feel like I fit in with the rest of the crowd. 

Wed, 07/30/2014 - 20:13 | 5025173 rbg81
rbg81's picture

Say what?  Then please explain how California is the bluest of the blue states.  

Honestly, CA gets what it deserves.

Wed, 07/30/2014 - 20:22 | 5025183 Say What Again
Say What Again's picture

The billionaires get what they want, and the rest is handed out to the working folks

Most people will simply use rhetoric to make their point.  and the one who SCREAMS THE LOUDEST thinks they have won.

How about some facts:


Wed, 07/30/2014 - 20:41 | 5025287 californiagirl
californiagirl's picture

And most of the billionaires in this state are liberal and love hosting $10,000 per plate fundraising dinners for Obama.

Wed, 07/30/2014 - 20:48 | 5025310 Say What Again
Say What Again's picture

Perhaps you should have dinner in Marina del Rey -or- Harbor Island in Newport Beach.  Let me know when you've completed your field-trip.

Wed, 07/30/2014 - 21:08 | 5025407 kaiserhoff
kaiserhoff's picture

I've traveled a lot, and I understand the regions pretty well, but Cali is always the exception.  I see your point.  It's insanely diverse, and extreme.  It was solidly republican for years, and may be near a tipping point.

This bears watching, because damn near anything could happen.

Wed, 07/30/2014 - 20:15 | 5025179 toady
toady's picture

Yep. Only the gay area, err, bay area is really liberal. Don't know how boxer keeps getting elected down south, other than incumbent bias.

Wed, 07/30/2014 - 20:24 | 5025222 nmewn
nmewn's picture

Did they ever get the sewage problem fixed in San Fran with the centrally planned low flush toilet mandate from on high?

I mean, pumping massive amounts of chlorine(?) through the sewage system seems, how should I say this, less-than enviromentally friendly.

How much of nature had to die to make "progressives" feel good  about themselves is the question they should be asking themselves.

But I doubt it ever occured to them ;-)

Wed, 07/30/2014 - 20:46 | 5025303 toady
toady's picture

Didn't hear that one, but they do pass A LOT of crazy crap. WAY over the top.

I suppose I should back away from my original statement. The bay area is SO liberal (how liberal is it? ) It's so liberal it makes the rest of the state seem conservative.

Wed, 07/30/2014 - 22:21 | 5025714 nmewn
nmewn's picture

Being Liberal didn't use to mean, top-down, authoritarian statist control...but yes, I know what you mean. Its the same thing the republicans did with "law & order".

They both built that and now no one is coming ;-)

(Inside baseball or

Wed, 07/30/2014 - 20:19 | 5025198 californiagirl
californiagirl's picture

Where do you live?  In Silicon Valley it is overwhelmingly liberal.  In my zip code, the voters approve every single tax that is on the ballot by over 70%, particularly if it has the word "schools" in it.  I now have over 20 line items added to my property tax bill for various supplemental and special taxes.  The list gets longer each year and nothing ever drops off because the voters always vote to renew the expired taxes. And a large number of school districts in California have subprime, reverse amortization, CAB bonds.  There has been a CAB feeding frenzy in the past 5 years. They will be asking for a lot more taxes when those massive payments start coming due in the next 5 to 10 years and I am sure the voters will approve them.

Wed, 07/30/2014 - 21:38 | 5025554 kareninca
kareninca's picture

The school parcel taxes get passed because people over age 65 get to "opt out" of paying them.  Our multi-millionaire neighbors who are over 65, who live in 1.5 million houses, get this very special break.  If they didn't give old folks an out, they would never be passed.  Oh, and the parcel taxes are totally regressive; exactly the same tax on a 600k condo as on a 3.6 million house.

Wed, 07/30/2014 - 21:51 | 5025599 Say What Again
Say What Again's picture

Excellent Point -- Follw the money, not the rhetoric.

Wed, 07/30/2014 - 22:19 | 5025711 californiagirl
californiagirl's picture

Well, the CABs were being voted in all over California, including the more conservative enclaves of San Diego County.  The Poway bonds are a common example.  That nice little conservative enclave voted to spend ~$100 million on school improvements, for which they will pay over $1 Billion thanks to CABs.  I guess only the old people in California vote then, other than me, because bonds and other taxing measures have been passing all over the state, not just liberal Silicon Valley.  They just voted for another one in my district in June.

I have spent some time down in the LA and San Diego areas and agree that San Diego is more conservative.  However, my exposure in LA, while attending college on the beach and working in Century City, definitely led me to conclude that the area leans liberal.

Wed, 07/30/2014 - 23:30 | 5026002 Binko
Binko's picture

People can't face the fact that unsupervised little Johnny is an idiot because he plays games and tweets all day on his phone, pad, console and computer while scarfing down gallons of soda and eating mountains of junk food.

So they delude themselves into thinking that more money for schools will fix things. We already spend $6000 to $8000 a year per pupil. You can educate kids on 1/4 of that if send home teachers that don't want to teach and kids who don't want to learn and you fire every last worthless administrator.

Wed, 07/30/2014 - 20:19 | 5025199 Slave
Slave's picture

I didn't junk you and I don't understand why people are. They should be responding to you instead.

I cannot fathom how the idea that California is not liberal could be true. Please cite some examples.

Wed, 07/30/2014 - 20:41 | 5025284 Say What Again
Say What Again's picture

Slave -- I appreciate your desire to debate, rather than argue with meaningless rhetoric.

Here is just one cite:

The point I am trying to make is a subtle one.  In places like San Francisco there will be an overwhelming vote for every "social service" conceivable to man.  But if you go to the rich areas of the state, you see a dramatically different dynamic. 

Take a walk through Marina del Rey, Orange County, Beverly Hills, La Jolla, Wine Country, etc., and you'll see a rather conservative leaning.  These people have money, and they DO NOT want to give it away.  And they are politically active.

So my point is -- one needs to separate the political opinions of the vast majority of low income workers from those of the powerful people with wealth.

Wed, 07/30/2014 - 20:46 | 5025305 californiagirl
californiagirl's picture

And Silicon Valley isn't rich?  Around here, conservatarians are a small minority.

Wed, 07/30/2014 - 20:52 | 5025329 Say What Again
Say What Again's picture

Most of the people in Silicon Valley are young Neuvo-Rich idealists. Note that I'm not trying to diss them.  I just think they lack political experience that only comes with age.  Give them a few years of Tax Impact (both state AND federal), and they will defect to the other side and discard all their idealistic dreaming.

Wed, 07/30/2014 - 21:02 | 5025365 Slave
Slave's picture

I've got a cousin in SV, makes a lot of money but is not rich since the cost of living is so high.

Wed, 07/30/2014 - 21:09 | 5025412 Say What Again
Say What Again's picture

The largest influence on the cost of living in areas like SV, the Marinas, etc., is the extreme real-estate costs.  In some ways, this might be the closest thing we have to a pure market driven price, because the only people that can afford to live there -- and buy houses -- are the large wage earners, who compete with each other to buy the best houses in the best locations.

The second largest influence is the "social costs" driven by public-works programs that support poor people who can not really afford to live in these areas.

Eventually, strong wage earners will look at where their hard earned dollars are going, and will say; "wait a minute -- I work too hard to give my money to that lazy person who doesn't want to work." 

Again, one of my points is this.  People tend to be liberal & idealistic when they are young, and tend to be more conservative as they get old.  One should be careful NOT to confuse this point with Democrat vs Republican.

Wed, 07/30/2014 - 21:19 | 5025451 toady
toady's picture

I haven't lived there for a long time, but I remember a vote for a tax to pay cops, firefighters, sanitation engineers, etc. more so they could afford to live less than a hundred miles from where they work.

Wed, 07/30/2014 - 21:38 | 5025546 Jena
Jena's picture

One other thing about California is that voter participation rate is fairly low. More attention is paid to referendum items that get added to the property tax bill, like school and municipal bonds by those who are passionate about them, and they tend to be the ones who benefit in one way or another. People who aren't paying enough attention to elections because of the local impact need to wake up. Forget about the issues you can't do anything about and vote on the ones you can.

Wed, 07/30/2014 - 21:44 | 5025577 Say What Again
Say What Again's picture

Excellent Point!!!

And yes -- the voter participation rate is a key part of my argument.

Thu, 07/31/2014 - 00:13 | 5026127 spqrusa
spqrusa's picture

Nah - I worked at Apple and Microsoft for years. There was a strong and large contingent of "conservatives".

They just don't make much noise - you know because the insane libutards tend to be bullys. And the "conservatives" are pussies.

Thu, 07/31/2014 - 06:48 | 5026498 rbg81
rbg81's picture

Maybe that was years ago.  I bet the Libtards pushed them all out by now.  Conserrvatives don't tend to make much noise because they are focused on job and family.  Libtards seems to have have lots of free time & money to pursue all their causes with a vengence.  That is because many don't have families--too one dimensional and unstable.  It's all about them.  Even their causes--that is the thing that, in their mind, gives them moral cover to be total assholes otherwise.

Thu, 07/31/2014 - 00:10 | 5026116 spqrusa
spqrusa's picture

-insane totalitarian douchbags love the big eared jihadist in chief

-insane totalitarian douchbags love the big eared jihadist in chief's policies

-insane totalitarian douchbags voted for an increase in healthcare

There - all fixed.

Thu, 07/31/2014 - 00:10 | 5026117 spqrusa
spqrusa's picture

Fucking ZH editor sucks

Wed, 07/30/2014 - 19:56 | 5025098 kurt
kurt's picture

In a controlled media it is usual practice to dance around an issue being careful not to impune, nor indicate, which EXACT ox needs to be gored.



Why do the prices continue to increase?

and Who receives the continual cost increases in health care... there's your ox.

Now get to goring!

Wed, 07/30/2014 - 19:58 | 5025105 neuronius
neuronius's picture

my wish is that our friends in cali learn first-hand that socialism doesn't work.  this is how it happens.

Wed, 07/30/2014 - 20:02 | 5025126 nmewn
nmewn's picture

But but but, they're gonna fix the problem they caused with price controls!

See, they got it all figgered out ;-)

Wed, 07/30/2014 - 20:06 | 5025139 El Vaquero
El Vaquero's picture

Why is it that government always resorts to price controls when they don't fucking work?

Wed, 07/30/2014 - 20:17 | 5025186 Miffed Microbio...
Miffed Microbiologist's picture

Kind of the same idea building a huge expensive wall in China to keep the riffraff out and they just go around. The answer is to build the wall longer.


Wed, 07/30/2014 - 20:16 | 5025187 nmewn
nmewn's picture

So they can appear to be "doing something" for what they caused in the first place.

On some level (I can't figure out what retard ives on that level, but none the less) it makes perfect sense to them,


Wed, 07/30/2014 - 20:22 | 5025211 El Vaquero
El Vaquero's picture

I'm just waiting for there to be price controls on food.  I bet I'll get another op-ed in my local paper published when that shit is announced.

Wed, 07/30/2014 - 20:33 | 5025261 nmewn
nmewn's picture

Food is not part of the financial metric comrade, so expect no price controls on sustenance,

Just yet ;-)

Wed, 07/30/2014 - 20:32 | 5025254 Miffed Microbio...
Miffed Microbiologist's picture

Yes, and the appearance seems so cosy and altruistic when,in reality, it is just to covertly gain power and extract taxes. Why does no one connect the dots anymore? They never suffer for their actions. You'd think destroying 1/6 of the economy deserves some punishment. Death by Ebola is too good for them.


Wed, 07/30/2014 - 20:37 | 5025274 nmewn
nmewn's picture

"Death by Ebola is too good for them."

My thoughts exactly.

Thu, 07/31/2014 - 00:07 | 5026114 spqrusa
spqrusa's picture

Because government isn't about working or being rational. Get it straight. It's about the gun permanently pointed at your head. Fuck you! Pay me! Bitchez!

Thu, 07/31/2014 - 00:09 | 5026118 tolivian
tolivian's picture

Because it is easy to explain to an economically illiterate populace. See Nixon or Carter: Inflation due to damned greedy speculators (and no one likes or trusts THOSE guys). 

But your benevolent government thugs (oops, that wont slip in there) working solely for you the people will not let them raise prices and cheat you.

Oh by the way, we won't let anyone raise your pay either so everyone shares in the sacrifice. 

When does anyone ask - just what the hell is YOUR sacrifice government ruler sir?

Wed, 07/30/2014 - 20:16 | 5025189 rbg81
rbg81's picture

Wrong.  Very few people who believe in Socialism or Communism in the first place will draw the right conclusions.  Instead, they will convince themselves that it didn't work because those greedy rich people sabotagued it.  In their minds, the only solution to the failures of Government is MOAR Government, especially if it involves facist control and redistribution of wealth. time will be DIFFERENT.

Wed, 07/30/2014 - 20:35 | 5025267 TheRedScourge
TheRedScourge's picture

Exactly. I have asked full on communists how they're so sure that this time it won't end in mass starvation or genocide, and they can never provide one possible safeguard they would add to prevent it the next time. Why else would fuckups like Maduro keep marching forward even as they approach the cliff edge?

Wed, 07/30/2014 - 21:35 | 5025532 rbg81
rbg81's picture

Hate to use a cliche, but read "Atlas Shrugged".  The book is a fucking documentary of our age.

Wed, 07/30/2014 - 19:58 | 5025107 kchrisc
kchrisc's picture

"Thank You Obamacare - California Health Insurance Costs Spike Up To 88% In 2014"

Translation: Money grab by big heath companies illegally and Unconstitutionally backed by the violence of government has allowed said companies to grab 88% more loot from the American people living in California.

Wed, 07/30/2014 - 20:00 | 5025117 Smegley Wanxalot
Smegley Wanxalot's picture

Fuck california.

Born there, raised there, got the fuck outta there, never looked back and dont miss a fucking thing.


And in about 10 years I will be saying the exact same [last sentence] about the fucking tyrannical USA.

Wed, 07/30/2014 - 20:03 | 5025130 Say What Again
Say What Again's picture

why wait?  you should leave now while its easy to get out.

Remember how difficult it was for Bogart to leave Casablanca?

Just do it.  Just leave now

Wed, 07/30/2014 - 20:27 | 5025240 notadouche
notadouche's picture

Game Theory:  "He who exits first, exits best"

Wed, 07/30/2014 - 20:13 | 5025166 Miffed Microbio...
Miffed Microbiologist's picture

The problem is the world has gone full blown retard. As an American I wouldn't expect any country to welcome me with open arms for good reason. Even if you are accepted, when times get tough for the locals who do you think they will turn on?

I hate Cali and have planned my escape but after 30 years of building some wonderful friendships, it's difficult to toss it and begin again.


Wed, 07/30/2014 - 20:19 | 5025203 El Vaquero
El Vaquero's picture

I have cousins in Cali, and many want out.  One who wants out is working into his 70s because he's underwater on his mortgage and cannot afford to leave. 

Wed, 07/30/2014 - 21:20 | 5025454 kaiserhoff
kaiserhoff's picture

Having many of the same thoughts, complicated by family and land.

Leaving is not a panacea.  Few places let you work part time, rule of law is iffy at best, and you have to bring a lot of cash with you.  Can you get it out again?  Don't know.

Wed, 07/30/2014 - 23:39 | 5026034 kchrisc
kchrisc's picture

10 years?!

The DC US does not have 10 years.

Wed, 07/30/2014 - 20:00 | 5025118 Super Hans
Super Hans's picture

No water, high taxes, high healthcare costs, douche bags everywhere, high rental prices, high real estate prices, no thanks! 

Go to SOCAL, if you're not on the beach or in the hills, you are in a 3rd world hell hole!



Wed, 07/30/2014 - 20:07 | 5025143 nmewn
nmewn's picture

The UCLA campus has all kinds of water, I mean it was literally running down the street into the storm drains, because Shovel Ready Stimulus rebuilt the vital, century old "infrastructure" and kept professor tenure and and and government utility crews doing busy work...and stufff.

They prolly got brand new GM's too ;-)

Wed, 07/30/2014 - 20:00 | 5025120 boattrash
boattrash's picture

Sooo, ya think the Republicunts have really thought through this "Sue Obama" shit? The reason he has "adjusted" the ACA so many times was largely to prevent some of the bad shit taking place before elections.

How about when all this shit gets deemed legal and shoved down our throats by a fuck nut SCOTUS? Just sayin...


Wed, 07/30/2014 - 20:07 | 5025146 Luckhasit
Luckhasit's picture

California.  You're so fucked.

Damn, I feel bad for anyone that lives there. That future ain't lookin so good.

I can easily see that breakin apart.

Wed, 07/30/2014 - 20:12 | 5025160 foodstampbarry
foodstampbarry's picture

You feel bad for them? Why? They voted for the illegal kenyan clown twice! I don't want to hear one gripe from any of them.

Wed, 07/30/2014 - 20:35 | 5025268 Jadr
Jadr's picture

Our system allows for large portions of the populace to not have their vote mean anything if the state is predominantly leaning one way.  If the electoral laws were changed to give proportional electoral college votes based on the votes cast then it would be a different story.

Wed, 07/30/2014 - 21:56 | 5025444 Say What Again
Say What Again's picture

Your argument is so weak, I don't know where to start.

But I'll start with this simple fact; It was the ENTIRE COUNTRY that voted, and the total of ALL votes across the country resulted in the re-election of the POTUS.

The reality is that most people are below the median salary for the country (because of the skew on the top side of scale from the extreme wealthy), and thus they will vote for whomever promises to give them the most.   Every politician knows this fact.

Wed, 07/30/2014 - 23:02 | 5025874 Leraconteur
Leraconteur's picture

OMG. Please take a class or read a book or a webpage about the way in which the POTUS is elected to office.

You are so ignorant it is shocking.

total of ALL votes across the country **DID NOT** result in the re-election of the POTUS.

""The reality is that most people are below the median salary""

NO. Most people are below the MEAN or AVERAGE salary. Median is, by definition, the figure at which 50% are above and below.

Please, stop posting.

Thu, 07/31/2014 - 01:00 | 5025945 Say What Again
Say What Again's picture

Laissez les bons temps rouler.

I accept your comment about most people being below the MEAN -- not the MEDIAN.  I noticed the error in my post, but was unable to correct it.  You have clarified and supported my point for the others.  Thank you for your elucidation.

Regarding the election process, you over exaggerate the affect of the electoral college.  This is another one of the many "manipulation" memes one finds on the web far too often.  Do you know how many elections were not truly a majority, after all the votes were counted?  Please post credible references.

I'm not going to argue with you about ignorance.  I never argue with fools, pigs, or donkeys.  Do you know why?

And I will not stop posting because you think I should.

Thu, 07/31/2014 - 02:02 | 5026304 Leraconteur
Leraconteur's picture

over exaggerate the affect of the electoral college.  This is another one of the many "manipulation" memes one finds on the web far too often.  Do you know how many elections were not truly a majority, after all the votes were counted?  Please post credible references.


3. 1876, 1892, 2000. 

 The effect of the EC is NOT exaggerated. It is an intended feature, in that the states elect the POTUS. Some elections were decided because the POTUS to be lobbied the state legislatures to vote for him, and he ignored and/or lost the popular vote for that state. One was decided in the House.

The legal and rational fact is that there is NO legally binding mechanism on the federal level, and many states do not have a law to force electors to vote via proportion of the vote. This is why they are chosen for loyalty, and I suspect their families are in the presence of guests *cough* on the day they cast ballots.

Recall that Senators were once elected by the state bicameral bodies, not the people.

 I'm not going to argue with you about ignorance. 


Since you make continual factual errors in posts, this tactic is wise.

Wed, 07/30/2014 - 20:09 | 5025151 I need Another Beer
I need Another Beer's picture

It won't be much longer and it will be the Pol Pot solution. If u look like u can eat 900 calories. Ooops sorry, misfire. U know?

Wed, 07/30/2014 - 20:14 | 5025174 Smiley
Smiley's picture

I can't speak for all of Kali but my insurance costs went up 35% in one year AND now I have to shuffle all the claims paperwork myself;


Wed, 07/30/2014 - 20:27 | 5025232 CoastalCowboy
CoastalCowboy's picture

God is my health insurance plan such are the times.

Affordable Care Act.......ROFL until I pass out and die from laughing so hard.

Double fuck the ACA times infinity!

Wed, 07/30/2014 - 20:32 | 5025257 toady
toady's picture

I guess i'm the only one. My insurance went from $850 a month to $87.

The rest of you fuckers keep paying and don't tell anyone I got such a sweet deal, okay?

Wed, 07/30/2014 - 20:41 | 5025288 nmewn
nmewn's picture

You signed up for Medicare?

Wed, 07/30/2014 - 21:05 | 5025395 toady
toady's picture

Too young (only fifty). To rich for medicaid too.

Just got on, after they fixed their initial fuck up, and punched in my info. I hated giving my information, but saving nearly $800 a month.... well, in the end, money's money.

Wed, 07/30/2014 - 21:21 | 5025424 kaiserhoff
kaiserhoff's picture

My sister is making 9500 per pay period making dates on the internet.

Of course, the pay period is one year, and she sucks a lot of frogs...

Wed, 07/30/2014 - 21:23 | 5025465 toady
toady's picture


Wed, 07/30/2014 - 21:38 | 5025553 nmewn
nmewn's picture

My wife is in insurance.

What I'm being told is young, healthy, below a certain level of "seen income" is going in through government programs.

More power to you, hasten the collapse ;-)

Wed, 07/30/2014 - 22:00 | 5025625 kaiserhoff
kaiserhoff's picture

Yes, rates are based on actuarial experience and statistics.  They don't vary randomly.

There is more to this story.

Liked your point with Rand.  I've been telling libtards for years, they won't last two weeks without rule of law, which they always try to destroy.   My folks settled the Prairie.  They got along just fine without government for a couple of generations.  We could easily do that again.  Burn, fuckers, burn.

Wed, 07/30/2014 - 22:39 | 5025789 nmewn
nmewn's picture

What they have never understood is we tolerate it and them because we are basically good people. But we have our limits and they have been met and exceeded now.

Burn it because they never understood it and then when they thought they did, abused it.

Burn it to the ground with them in it.

Its force & coercion with voluntary compliance, it always has been...fuck em for the stupid idiots they are, I won't be voluntarily pissing on them to put them out.

Count on it.

Wed, 07/30/2014 - 22:04 | 5025654 toady
toady's picture

That's what I keep telling myself. Work their system, use it against them. I haven't paid federal or state income taxes since I went AWOL. Hell, I even get a refund from both! Refund of what? I never paid them anything!

Wed, 07/30/2014 - 21:55 | 5025614 crazybob369
crazybob369's picture

You keep telling yourself that.

Wed, 07/30/2014 - 20:41 | 5025285 overexposed
overexposed's picture

Could not happen to a more deserving bunch of hippies.

F--K CALIFORNIA. 99% of the problems America faces today is because of those morons. They want to BAWWWW over the bed they made, they can go screw.

Wed, 07/30/2014 - 22:09 | 5025664 Say What Again
Say What Again's picture

This rhetoric is getting better by the hour.  Now "99% of the problems America faces today is because of those morons."  Wow, I never realized just how easy it is to affect you quality of life.  Please tell me moar!

And BTW.  I would have the same response, if you were saying this about Texas, Utah, Florida, etc.

Wed, 07/30/2014 - 22:36 | 5025781 toady
toady's picture

99% of all statistics are made up on the spot.

Wed, 07/30/2014 - 22:42 | 5025798 Say What Again
Say What Again's picture

I'm 99% sure its time to go to the bar where I can have a deep intellectual discussion with a blonde in a short skirt.  Anyone care to join me? 

Wed, 07/30/2014 - 20:45 | 5025295 Sun and Moon
Sun and Moon's picture

“But we have to pass the [health care] bill so that you can find out what’s in it....” - Nancy Pelosi

Well now we know!

Wed, 07/30/2014 - 20:47 | 5025304 rosiescenario
rosiescenario's picture

In case you were still wondering which special interest group had the most to gain from ObummerKare....lets see, I now pay for pediatric coverage though my wife is 64.....there's one bit of premium the insurance company will never have to make good on.


The other thing was the doubling in the deductible to be met each year.....

Wed, 07/30/2014 - 21:21 | 5025462 homiegot
homiegot's picture

Our government overlords see us as child-like. Make no mistake.

Wed, 07/30/2014 - 21:41 | 5025561 icanhasbailout
icanhasbailout's picture

and they have free candy in the van

Wed, 07/30/2014 - 20:46 | 5025306 NoWayJose
NoWayJose's picture

Prop 45 would be like wage and price controls - they never work for very long. The reason for the big increases are built into Obamacare - covering pre-existing conditions and providing many new (and unwanted) services. If you don't fix these and other things in Obamacare, and you slap a price limit on insurance companies, then those companies will not offer plans in California. Like it or not, insurance companies are in business to make money.

Wed, 07/30/2014 - 20:49 | 5025317 Little Boomer
Little Boomer's picture

I thought price increases were for after the election.

Wed, 07/30/2014 - 20:50 | 5025322 syntaxterror
syntaxterror's picture

"The hardest-hit were young people. In one region of Los Angeles County, people age 25 paid 52% more for a silver plan than they had for a similar plan the year before, while someone age 55 paid 38% more"

Don't be hatin' on Barack!


Wed, 07/30/2014 - 21:18 | 5025445 homiegot
homiegot's picture

I've got regulation on my regulation.

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