The only way the Democrats are even coming close to insuring
all who are currently un-insured, by choice or otherwise, is
simply by force. Within the senate bill, there are mandates
requiring the purchase of insurance. Essentially, under the
senate bill, the government is forcing you by way of fines,
penalties and potential jail time to purchase an insurance
policy that is pre-structured for you by an individual
bureaucrat or, bureaucracy to what they consider an acceptable
level of health insurance coverage. This particular mandate,
or even the thought of to be considered, I dont see making it
through the supreme court as the mandate in its nature is
grossly un-constitutional.
There are a few very simple measures that can be taken to
allow access to affordable coverage to anyone who WANTS to
attain it. For one, we can remove the restrictions on
innerstate purchasing of insurance policies which will open
the flood gates for competitive pricing of premiums. If
citizens of California are all of the sudden able to purchase
premiums from, I dont know, Arkansas or somewhere out of
state, for 20% of what they are paying in California.. How
long do you think it will be before everyone in California is
purchasing their insurance out of state? Now to add to that,
how long do you think it will be before the insurance
providers within CA will lower their rates to compete with
those out of state providers to try and gain some of heir
customer base back? It goes back and forth. There are roughly
1400 insurance providers in the United States. If the
Democrats were really about choice and competition, they would
lift the state limitations on insurance policy purchasing and
let the private market, or better yet, let capitalism work its
magic.
Another simple fix is to remove the ability of the insurance
providers to deny coverage for individuals with pre-existing
conditions. Now, premiums for individuals with pre-existing
conditions are going to be significantly higher for obvious
reasons. So there are several ideas as to how premiums can be
kept rather affordable. One being the idea of high risk pools.
High risk pools will allow for large groups of individuals
with pre-existing conditions to purchase their premiums at
group discounted rates. Its unfortunate that their premiums
would be higher as a result of their conditions, but thats the
nature of the insurance industry. If it costs more to insure
an individual, the increased price of the insured is obviously
going to be passed on to the end user. Simple economics. The
Democrat plan throws individuals with pre-existing conditions
into pools with otherwise healthy individuals who would
normally carry very little coverage to none at all. What this
does is raise the rates for those healthy individuals to cover
the increased cost of carrying individuals with pre-existing
conditions. Some would say thats a form of socialism, and it
can easily be viewed as such. Couple that with the mandate
within the Democrat senate bill and the government will then
be forcing healthy individuals to carry a certain level of
coverage, a level dictated by the government, at a price that
would have normally been lower if they had not been included
in a pool with individuals with pre-existing conditions.
Another flaw of the democrat senate bill, and another reason
republican support is nowhere to be found.
The 31,000,000 - 46,000,000 figure being tossed around is over
exaggerated. A quick google search can give you the real
figures as this particular topic has been picked apart from
the get go. There are roughly 10-15 million Americans who
simply choose to go without coverage, who are either paying
for their basic care out of pocket, are healthy, or both, and
another several million who do not have coverage who are
qualified for some form of government provided health
insurance. In the senate bill, these individuals will lose
their option to choose to go without coverage by way of
mandates, fines and penalties.
So with the removal of state limitations, removal of dropping
or denying coverage for pre-existing coverage, and then adding
subsidies for those who still cant afford coverage..... As I
said, a few simple measures that will make a world of
difference. No mandates, no bureaucracies, no uncle same
approved plans. Simple, affect, and affordable.
Thats pretty much what the GOP is proposing.
If anyone would like to debate me on this and possibly explain
why you feel the government has a right to force you to
purchase a health insurance plan, and to add, a health
insurance plan that they construct and declair sutiable
coverage for you and your family... Be my guest.