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These are not very smart people, and things got out of hand.

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People really shouldn’t expect the government to help after they watched the GOP drown it in a bathtub.

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Their boy Ron is an empty plastic cup that will never know pudding.

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Find someone who loves you the way trump and maga love traitors.

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“They all knew.”

Marge, god is saying you’re stupid.

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The truth is, these are not very bright guys, and things got out of hand.

Oh FFS you might as well trust a 6-year-old with a flamethrower.

This is dead girl, live boy, a goat, two wetsuits and a dildo territory.  oh, and pink furry handcuffs.

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Make the republican party small enough to drown in a bathtub.

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You know he’s going to shit a cat.

Let’s not be the monsters we hate.

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You are here: Home / 2021 / Archives for March 2021

Archives for March 2021

Guest Post: Trans Day of Visibility

by Major Major Major Major|  March 31, 20218:07 pm| 91 Comments

This post is in: Justice, LGBTQ Rights, LGBTQ Rights Are Human Rights

Take it away, Sister Golden Bear!


Today is the annual Trans Day of Visibility, and for trans folks (and our non-binary/gender non-conforming siblings) it’s both the best of times and the worst of times.

I mostly post about the latter because the effort to eradicate — and I don’t use that word lightly — trans people from public life is hateful, alarming and requiring direct action to combat. The on-going hate-crimes murders of trans people, usually almost all trans women, usually almost all women of color, usually the vast majority Black trans women. The demonization of trans (girl) athletes — because it’s almost always trans women/girls who are targeted — by an unholy alliance between social conservatives and purported “feminists,” who are really Feminist-Approriately Reactionary Transphobes. (Because if you’re “feminism” aligned you with the Immoral Minority, then you’re doing feminism wrong.) State legislatures proposing — and passing — laws to criminalize providing trans-related healthcare to trans kids, to allow doctors to deny healthcare in general to trans patients.

Like the attack on voting rights, even when they fail these efforts are meant to intimidate us. They force us and our allies to expend time on effort that could go to more worthy purposes — such as reducing the shockingly high rates of suicide among trans teens. In a 2018 study, 85% of trans teens reported “seriously considering suicide,” while over half of them attempted suicide. Because life is that fucking tough for them. In another study, 78% of respondents reported being harassed, 35% attacked and 12% sexually assaulted. Trans adults have suicide rate comparable only to combat vets suffering PTSD, because yes, life is that fucking hard for too many of us as well. I only post about a fraction of this stuff, not only for my own sanity, but to prevent myself from becoming Janie One Note. Trust me, there’s a lot of other things that I’d rather be posting about. So if you know a trans/non-binary/gender non-conforming person, today is a really good day to show them some love, because although there’s now a lot of good things happening, there’s still all too much threatening and scary stuff going down.

It’s also the best of times. Like for many other minorities, the existential terror of The Former Guy’s administration is now gone. The current administration has our backs, and they’re walking the walk. They’re rolling back the hateful policies of the prior administration. The Biden administration became to the first to celebrate Transgender Day of Visibility, while also today the Pentagon reversed the military’s trans ban. That’s a big Joe Biden Deal. (Even if presidential executive orders mean my rights are at the whim of who’s in power.) The love shown to Elliot Page shown when he came out. The increasing visibility of, and support for, trans men, who’ve traditionally flown under the radar (for better or worse).

Dr. Rachel Levine getting confirmed by the Senate as Assistant Secretary of Health — the first trans person to do so. Dr. Levine’s accomplishment is a double victory, because like a lot of later-in-life transitioners, including myself, she’s “visibly trans” due to the unwanted changes testosterone wreaked on her body. Previously the high-profile trans woman activists, like Laverne Cox and Janet Mock were less threatening: they fit the cisgender heterosexual norms of beauty, they’re attracted to men. Which is not to knock their activism, far from it. But life is different when you look like, well Laverne Cox. I still regularly get “sirred” by store cashiers and others. I’ve resigned myself to always being “sirred” on the phone. I’ve learned to let roll off my back since it’s often not worth correcting them, but for part of me it’s still always another slice in the death of a thousand cuts. (If you don’t think pronouns are important, try misgendering a cisgender person’s pet.) I don’t know Dr. Levine’s sexual orientation, but since she was married to a woman (the married didn’t survive transition), I suspect that like many later-in-life transitioners, including myself, she’s attracted to women. (Sexuality attraction being independent from gender identity.)

Dr. Levine doesn’t really have a choice whether she’s visibly trans. Myself, I blend in more often than I’d hoped for, and for the most part I’m treated as the woman I am. But I still choose to be visible for those who can’t be. (Yes, I’m one of the examples that yes, it does get better, and I have enough privileges to be visible.) But I’m hoping that being trans ends up being the third or fourth most-interesting thing about me. That said, not everyone can be, or wants to be visible. (If you don’t think you know any trans people, trust me you do.) There are many reasons. Some don’t feel safe doing so, some are trying to keep jobs or preserve marriages, some feel it’s nobody else’s damn business. But regardless of the reason, it’s totally cool, and they’re just as trans (or non-binary or gender non-conforming), just as valid, as those who are out.

But in the spirit of visibility, I’d encourage you to check out FORGE’s series of short videos where trans/non-binary/gender non-conforming folx share their experiences and feelings about being seen. In particular my friends Helen Boyd and Rachel Crowl. (Helen is an incisive thinker about gender, amazing writer, and fierce advocate — buy her books!, and check out her Trans 101 talk. Rachel is a bad-ass actor, musician and photographer who got stellar reviews for co-starring in an award-winning indie film, and at the Oregon Shakespeare Festival — cast her!)

To my trans sisters and non-binary, and gender non-conforming sisters, brothers and siblings, to their partners (who are too often unsung heroes), to their families. I’d like to give a shout out to all those on the trans spectrum who don’t socially transition and therefore never go public for various reasons (most don’t feel the need to transition and are happy being “just a crossdresser” etc.), and often are deeply, deeply closeted—there’s probably 10 of them for every public transitioner, making them the vast dark matter of the trans universe. Unfortunately many of them are looked down upon not only by society at large, but also too often by other trans people. Yes, I see you, and yes, you’re “real enough” too. To quote Helen, you’re amazing and you’re awesome. Love to you all. Don’t let the bastards get you down.

Many thanks for writing this up, SGB.

Guest Post: Trans Day of VisibilityPost + Comments (91)

Here, Have Some Puppies In A Bucket

by WaterGirl|  March 31, 20216:18 pm| 76 Comments

This post is in: Open Threads, Something Good Open Thread

https://www.youtube.com/watch?v=KTiPoCDdh5g

h/t to Miss Bianca for this totally adorable video.

Putting this up at the same time as the Chauvin murder trial thread, for obvious reasons.

Here, Have Some Puppies In A BucketPost + Comments (76)

Derek Chauvin Murder Trial

by WaterGirl|  March 31, 20216:15 pm| 85 Comments

This post is in: Black Lives Matter, Open Threads

Ugly Truths, Good People and Hope for a Better Future

I agree with Preet that Derek Chauvin clearly killed George Floyd.  What remains to be determined are the details and legal liabilities.

I can’t watch the trial myself.  Every time I try, I just feel sick.  George Floyd was treated like an animal.  I am so appalled and enraged that I don’t have a lot to say, but here’s a thread for anyone who wants to discuss the trial.

If you have been following the trial, I will be very interested to hear what you have to say.

 

Derek Chauvin Murder TrialPost + Comments (85)

Open Thread: President Biden Live on Infrastructure

by TaMara|  March 31, 20214:41 pm| 83 Comments

This post is in: Climate Change Solutions, Open Threads, Politics

https://youtu.be/LpNbgKPVxqs

I have not been tuned in to much these days online or on the news, so I almost missed this. Lots of green jobs, I’m hoping!

Open thread

Open Thread: President Biden Live on InfrastructurePost + Comments (83)

The New Target of Hate

by @heymistermix.com|  March 31, 202112:19 pm| 183 Comments

This post is in: Open Threads

This is disgusting, ignorant, stupid, mean-spirited and hateful:

The measure, named the Arkansas Save Adolescents from Experimentation (SAFE) Act, would ban doctors from providing gender-affirming care, including puberty blockers and hormones, to trans people under the age of 18, or else risk losing their license. The legislation is rooted in a host of misinformation about gender-affirming care,with proponents of the bill arguing forits necessity under the guise of protecting kids. One of the bill’s Republican sponsors described gender-affirming treatments as “at best experimental and at worst a serious threat to a child’s welfare.”

It is of a piece of the other efforts to ban transgender students from participating in high school sports. There are clear guidelines for transgender participation in college and Olympic sport, but there’s no discussion of that in the fearmongering that accompanies these bans. Moreover, even Dollar Store Sarah Palin, South Dakota Governor Kristi Noem, only has the guts to ban transgender girls from high school sports. If she banned them from college sports, the NCAA would probably penalize South Dakota college sports teams for being discriminatory. It’s also a non-issue that had a policy that appears to have worked for the very few students who wanted to participate:

Dan Swartos, the director of the athletic association for the state, says that since 2013 South Dakota has had a policy that any transgender athlete wanting to play school sports must acquire documentation from their physician that they identify as transgender. Then, an independent hearing officer determines if the athlete has any competitive advantage. Since the policy was instituted, only one transgender girl athlete has been allowed to play girls’ sports in the state.

I’m no expert on transgender rights, but my daughter has a couple transgender friends and acquaintances. I’ve gotten to know one young transgender man fairly well, and it’s not like this guy has an easy life. He’s one of the most hard-working twenty-somethings that I know. HRT is expensive, and he works multiple jobs to pay for it. Surgery is even more expensive. This hateful attack against transgender community makes him and others like him suffer. It will lead to more suicide in a group that already has a suicide issue. And though it isn’t reported much, this is another way for the right to get at Planned Parenthood, since my daughter’s friend receives his HRT from them, which I think is pretty common in the transgender community.

The New Target of HatePost + Comments (183)

Copper plans in the ARA world?

by David Anderson|  March 31, 20219:16 am| 14 Comments

This post is in: Anderson On Health Insurance

A few days ago, we highlighted the annual spending distribution among percentiles of the population.  As we all know, healthcare expenditures have an extreme right hand skew:

2018 Healthcare expenditures by population percentile

 

In any given year, half the non-institutionalized population is barely touching the medical system. From a health insurance policy point of view, these folks are likely to be benefit design indifferent as either they are not using any services so no theoretical cost sharing applies, the few services that they do use are already exempted from cost-sharing (flu shots) or the plans that they are offered have high enough cost-sharing that the difference between a $500 deductible and a $5000 deductible is completely theoretical retrospectively.

Yesterday, I was chatting with my fellow nerds, and the idea of a wide variety of “copper plans” came up. In this context “copper plans” can be several different things but fundamentally, it is the introduction of a low actuarial value plan with a wicked high deductible and relatively low premiums aimed at price sensitive buyers. Colorado had proposed, in 2018, an ACA waiver to allow the state to sell Catastrophic plans that cover 3 primary care visits and nothing else until a patient hits the deductible which is the maximum allowable out of pocket expense.

Plan premiums are effectively composed of three parts. The first is administration and overhead. Some parts of A&O are relatively scale independent such as the cost of having an actuary run the modeling to price a plan and some costs are scale dependent such as the number of claims to be paid or the number of customer service reps needed. The second part is claims experience. How many and how expensive are the claims that the covered population generates. The final part is risk transfers in the form of reinsurance premiums going out and reinsurance claims coming in as well as risk adjustment transfers.

Right now, Bronze plans are almost always net risk adjustment payers. Bronze plans are wicked attractive to healthy people who are buying only on premium. In a new working paper with Coleman Drake, Sihting Cai and Dan Sacks, we show that a significant chunk of the Colorado exchange buying pool is just buying the cheapest plan available to them. Copper plans would be viable for this population that is looking for the cheapest possible hit by a meteor coverage. Bronze plans are also attractive to older individuals who know that they have massive medical expenses (2018 data for Healthcare.gov here).

If we were to introduce a Copper plan with a 50% actuarial value with deductible somewhere between $12,000-$14,000 for a single individual, we can make some assumptions about enrollment and premiums. First, this plan will be less expensive than a minimum 61% Bronze plan. Premiums will be lower. However, they won’t be 18% lower.

Right now, a significant chunk of Bronze premiums don’t pay for claims generated by people buying Bronze plans. Instead, they go out the door as risk adjustment transfers to help pay for the claims generated by people buying Silver, Gold and Platinum plans. Bronze plans cross-subsidize the premiums of people who buy higher actuarial value plans. Copper plans that are in the same risk pool would do the same.

So we’re probably looking at modest premium reductions relative to Bronze in a world where most people are subsidy eligible. We know that zero premium plans are proliferating with the expanded subsidy table of the American Rescue Act so it is very likely that zero premium copper would go further up the income scale than zero premium Bronze currently does.

For most people, in a subsidy eligible world, Copper offers dirt cheap premiums and massive exposure. Most people who would look at Copper have private information that indicates that the odds of them having medical expenses greater than $8,000 in a year (about where Bronze starts capping out) is really low. We would expect some movement out of Bronze of people who know that they have massive claims for next year into Copper as well but given the new subsidy table, this is a harder decision to make now. We would expect a massive barbell distribution of claims spending. A lot of people will have absolutely no claims and very few people will have massive claims.

From a choice perspective, anyone who is exposed to a same insurer/same network zero premium bronze or higher plan should not go to copper. This basically means these plans would be primarily aimed at folks earning well over 250% and usually over 400% FPL. I think that there is enough people who are relatively healthy and who have enough liquid assets to pay a $12,000 deductible in the case of a cancer diagnosis that there might be some interest in increasing the choice menu to allow for a lower premium but higher cost-sharing product. But again, the premium reductions will not be 1:1 for the reduction in actuarial value and the increase in risk.

Copper plans in the ARA world?Post + Comments (14)

Wednesday Morning Open Thread: Infrastructure

by Anne Laurie|  March 31, 20217:49 am| 213 Comments

This post is in: Open Threads, President Biden, Proud to Be A Democrat, Our Failed Media Experiment

President Joe Biden is preparing to unveil the first part of his huge infrastructure package Wednesday. New details are emerging of an investment on par with the New Deal or Great Society programs. https://t.co/BlCbRH5FLa

— The Associated Press (@AP) March 31, 2021

show full post on front page

Wednesday Morning Open Thread: InfrastructurePost + Comments (213)

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