efforts by the Obama administration to reform health care. In fact, I call
it health care deform.
Yesterday, a bill was voted out of the Senate Finance Committee on this
subject. There is one provision that really frosts me.
This bill contains a requirement for all Americans to buy health insurance.
Now I'm no liberatarian, and I do think law and order and regulations are
needed. But, this requirement for insurance is overreaching by the
Government.
How is requiring people to buy insurance going to be for the common good?
It isn't. Obama likens this to requirements that automobile owners have
insurance. There is no comparison. If someone without automobile insurance
causes an accident, the other person's insurance has to pick up the bill,
possibly leading to higher costs for that person. If an uninsured person
gets sick, how are the rest of us affected? As far as I can tell we are
not.
What about someone who can't work for whatever reason, how are they going to
afford insurance? What about those who are hard to insure, like smokers,
people who use alcohol to excess, those who are fat, or those who have
pre-existing conditions? Insurance companies will have to take on these
people who are at higher risk of getting ill. This will mean, us healthy
people will pay more.
\Obama and company don't seem to realize Insurance is a risk based business.
The less of a risk you are, the easier you are to insure. This is why life
insurers often require physical exams before writing policies because they
want to know how much of a risk it is that your family will be collecting on
the insurance, and how soon.
If people won't try to get health insurance, it really isn't my problem, yet
Obama and company who see taxpayers as a bottomless piggy bank of money to
spend can'tor won't understand that. I do not think, when the dust settles,
that any substantial health care reform wil be passed and it doesn't need to
be.
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