By: Tamzin A. Rosenwasser, M.D.,
While the supposed purpose of an exchange is to help consumers find the health insurance product that best meets their needs, such a product is not likely to be found there. Rather, the exchange will just offer a limited line of government-approved products—rather like a store that sells only various sizes of blue pajama-like garments in a totalitarian state.
The ObamaCare bill requires states to satisfy the Federal government that they are setting up these exchanges by 2013, or the Federal government will force the state to use a national exchange, created and run by the Federal government. In either case, insurance companies will be companies in name only, their directors, pawns of the government. A name for that type of arrangement is Fascism.
Regardless of which entity sets up the exchange, the Department of Health and Human Services is given power to determine minimum requirements for medical services of all kinds, including the people who provide the services, as well as what the patient pays. The head of the National Association of Insurance Commissioners task force on exchanges has called for banning the sale of individual insurance policies, possibly because these exchanges bring new complexities of security, integration, processing, updating and verifying information concerning eligibility, income, billing, and exemptions, among companies, states and state agencies, the IRS, Department of Health and Human Services, and the Social Security Administration, just to name some of the complexities.
Eligibility for ObamaCare’s health insurance subsidies depends on income, so there will be an intrusive verification of income, family size, smoking status, and so on.
The exchanges themselves cost tax money to set up, but the bill requires them to be self-sustaining. Since the bill mandates requirements that many companies and customers will likely find distasteful, the exchanges embody a fundamental instability, which nothing but force can resolve.
If ObamaCare persists, exchanges will be bureaucratic nightmares. If it is repealed or declared unconstitutional by the U.S. Supreme Court, states that set up exchanges will just have wasted time, money, and effort.
These are good reasons for not establishing exchanges, but there is another still more compelling. The sovereign states are not supposed to be agents of the federal government. It is properly the other way around.
The Articles of Confederation stipulated that each state retains its sovereignty, freedom, and independence. When the Constitutional Convention convened in 1787, to rework the Articles of Confederation, those sovereign states created the Federal government. The states do not, anywhere in the Constitution, surrender their sovereignty. In the Constitution, they merely delegate certain enumerated powers to the Congress, President, and courts.
The only reason the states created the Federal government was to be their agent in cases in which it would be more advantageous to have the states act in concert. Thus, the Federal government is properly subservient to the states in all matters in which they did not delegate powers to it. This relationship has been seriously disturbed in recent years, a reminder of Jefferson’s words that “The natural progress of things is for liberty to yield, and government to gain ground.”
Nowhere in the Constitution is government authorized or allowed to claim power over individual citizens’ medical care. Since medical care is an intensely personal thing, it does not lend itself to governmental direction, not even if the citizens are willing to allow themselves to be wards of the Government, from which they will devolve to being the equivalent of livestock on a government ranch, if government is allowed to intervene in their medical care.
It has been argued that the “necessary and proper” clause allows Congress to intervene in medical care, but that clause reads “…To make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof.” However, those powers are the enumerated powers, only, and they do not include overseeing the medical care of the sovereign citizens. The same restriction applies to the “General Welfare” clause in the preamble.
Judge Roger Vinson has found ObamaCare unconstitutional in a case brought by 26 states, the National Federation of Independent Business, and two individuals. Judge Henry Hudson found the individual mandate unconstitutional. Other rulings say it is constitutional, and the case will go to the U.S. Supreme Court. Judge Vinson stated that since there is a long-standing presumption “that officials of the Executive Branch will adhere to the law as declared by the court,” his “declaratory judgment is the functional equivalent of an injunction.”
There has been no sign that the Executive Branch will so adhere to the law declared by the judge’s ruling. The Executive Branch shows contempt for the Court. States, however, because of these two rulings, plus the dislocation and expense that would be caused by instituting exchanges, should refrain from taking any actions to further ObamaCare. Citizens should now be attentive, and compel the Executive Branch to obey the law.
Jefferson warned us that “If once the people become inattentive to the public affairs, you and I and Congress and Assemblies, Judges and Governors, shall all become wolves. It seems to be the law of our general nature in spite of individual exceptions.” The people have been inattentive, but they are waking up, and it is high time to collar the wolves, whether in the Executive, Legislative or Judicial branches. Our lives depend on it in a literal sense.
Dr. Tamzin Rosenwasser earned her MD from Washington University in St Louis. She is board-certified in Internal Medicine and Dermatology and has practiced Emergency Medicine and Dermatology. Dr. Rosenwasser served as President of the Association of American Physicians and Surgeons (AAPS) in 2007-2008 and is currently on the Board of Directors. She also serves as the chair of the Research Advisory Committee of the Newfoundland Club of America. As a life-long dog lover and trainer, she realizes that her dogs have better access to medical care and more medical privacy than she has, and her veterinarians are paid more than physicians in the United States for exactly the same types of surgery.
Dr. George Watson, Past-President of the Association of American Physicians, practiced traditional-insurance-based osteopathic family medicine for 23 years. In 2003, he canceled all insurance contracts and 

Richard Amerling, MD is a nephrologist practicing in New York City. He is an Associate Professor of clinical medicine at Albert Einstein College of Medicine in New York, and the Director of Outpatient Dialysis at the Beth Israel Medical Center. Dr. Amerling studied medicine at the Catholic University of Louvain in Belgium, graduating cum laude in 1981. He completed a medical residency at the New York Hospital Queens and a nephrology fellowship at the Hospital of the University of Pennsylvania. He has written and lectured extensively on health care issues and is a Director of the Association of American Physicians and Surgeons. Dr. Amerling is the author of the Physicians’ Declaration of Independence (