Mona Charen

The constipated debut of Obamacare has reduced the president of the United States to the status of TV pitchman. "Act now" to get this great product, he exhorted listeners on Monday, offering testimonials from one of the rare successful purchasers, promising limitless benefits and low prices, and even an 800 number. His operators are standing by, he urged, and they speak 150 languages! (You could sign up in Min Bei and Kazakh, if you could sign up at all.) If Obama had thrown in a free tote bag for the first 100 callers, it wouldn't have seemed out of place.

The president has consistently claimed that his law will extend coverage to the roughly 47 million uninsured (there is no agreed upon number) while also reducing premiums for everyone. This is like promising that you can eat all you want and still lose weight, which other TV pitchmen routinely promise come to think of it. This is not possible. For the law to work even reasonably according to plan, say, with only small increases in premiums for everyone, large numbers of the young and healthy who have previously gone without health insurance must sign up.

That's why it was a little odd that the president kept referring to those with pre-existing conditions at his Rose Garden appearance. He doesn't need to persuade them. The sick and uninsured have the strongest incentive to weather the failures, frustrations and long wait times on It's those who are being asked to purchase a product they don't think they need -- the young and healthy -- who will be deterred by the crashing website. After the second or third abortive attempt, to say nothing of the 30th, they are likely to choose to pay the fine rather than sign up, particularly since the fine, at least in 2014, is low.

The fines rise steeply in 2015 and beyond though, which may force the young to confront the fact that they were promised a shiny new benefit -- free healthcare -- and are actually just transferring wealth (again) to others. They may not have recognized it when they pulled the lever for Obama in 2012 but young people were voting to tax themselves even more for the benefit of those who are already better off than they.

The average net worth for households headed by someone 65 or older was $170,494 in 2011, compared with $3,662 for those headed by someone 35 or younger. While it's always been true that the elderly are wealthier than younger people because they've accumulated assets over the course of their lives, paid off their mortgages and so forth, the gap between generations is now at its highest point ever.

Mona Charen

Mona Charen is a syndicated columnist, political analyst and author of Do-Gooders: How Liberals Hurt Those They Claim to Help .
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