About Those Insurance Mandates
ByI’m not here to defend insurance companies. But in this instance, I have to ask, what the hell do you expect? At this point they are trying to insure their own survival!
I received this in my e-mail:
From the FEE blog: [no link provided] The health-insurance lobbyist complainsthat under the proposed healthcare overhaul the penalties on individuals who don’t buy coverage would be too mild and would encourage people to wait until they are sick before buying a policy — at which point they couldn’t be turned down or charged more than healthy people.
That’s right. The industry wants the government to force us to buy its product and to impose harsh penalties on those who refuse. The companies, which oddly are demonized by the “reform” crowd, are happy to accept all kinds of coverage rules in return for captive customers and guaranteed income.
Okay, what do you expect here?
The government is going to FORCE insurance companies to cover everyone, regardless of pre-existing conditions. In the words of Barack Obama, “let me be clear” I don’t like or want insurance mandates. On either side. Unless there is a good reason for someone with a pre-existing condition not having coverage – ie: that person was dropped from his or her parent’s coverage or employer’s coverage – I don’t think insurance companies should be forced to cover people who chose to be uninsured their whole life until they become ill.
That may sound cruel, by why should insurance companies be FORCED to subsidize someone’s irresponsibility? It’s only natural that they would do what any company would do in this highly regulated corporatist system disguised as free market capitalism. And when those on the right start attacking insurance companies, they should keep in mind that they are simply another beast created by the politicians, going back to the days of FDR.
You cannot insure health. You can only insure yourself from economic destruction caused by health problems. If you choose to go your entire life without health insurance until you become ill, why should anybody be forced to pay for it? If you think the evil insurance companies pay for it, think again! It’s those of us who are responsible and do everything possible to provide insurance for ourselves and our families that pay for your destructive irresponsibility.
Oh, one more thing, please don’t tell me about the uninsured poor in America. They are insured, by the rest of us.
Related: Read about the dark days of America. Everyone’s a villain, except of course, the lefty politicians and their supporters.
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Insurance costs will spiral higher under this plan because it will be in the economic interest of young healthy people who are currently uninsured to pay the relatively minor penalty ($750 max) rather than the costly premiums. If a doctor DOES diagnose the young healthy patient with cancer or diabetes THEN they can still sign up immediately – pre-existing conditions and medical underwriting being no obstacle.
All this will do is raise premium prices for the existing insured – forcing even more people who buy insurance on their own to opt out rather than pay the higher premiums. What you will have is a gradually sicker pool of people who are the ones actually insured and consequently higher spiraling premiums.
This “death spiral” in costs will invite single payer legislation as the “savior” to bring down costs (a false selling point but the way it will be sold) down the road. Just what the administration wants.
Robert Laszewski lays it out lays it out.
The 2 trillion he is referring to is how much the U.S. spends on healthcare a year, the GDP. Not Baucus’s bill which is under 900 billion. Stop calling it “Obamacare”, if Obama had his way we would have a singlepayer system, not this garbage thats coming out of the senate.