Yesterday I received my annual bad news from my Health Insurance Company. My monthly premium went from $461 a Month to $597 a month payable every two months for a total of $1194 every two months.
I’m single not married and no kids. I just can’t imagine what this would cost for a family of four.
So what are Barack Obama and the Democrats choices here?
1. The federal government can impose price guidelines on insurance companies for premium limits.
This is is not a good idea for the government to interfere with private enterprise as this will for certain cause a deterioration in healthcare services as the companies are locked into federally mandated rates. We saw the results of this when Bill Clinton imposed a mandate for lending institutions to meet quotas for loan applications.
2. The federal govenment can provide subsidies to the taxpayers with reimbursement checks to cover health care premiums.
This is a horrible idea. Who would qualify for these checks? Tax payers that pay over a certain amount ins taxes? Economically challenged (I don’t like the word poor) who pay very little into the tax system that supports this program? The middle class that always seems to support everything the federal government spends money on? Illegal Immigrants who don’t belong in this country to begin with? Would you have to prove that you are paying for and have an active healthcare plan that the individual is already paying for so you can get a reimbursement for the paid premium? Who would get these checks and where would the funds com from to pay for it?
3. The federal government can provide all the healthcare for free.
Ok this is a very, very bad idea for a number of reasons. How many of you have know a veteran of the US Armed forces? How many of you know the quality of healthcare they have received at any Veterans Administration Hospital? I have had two of my best friends who were in the military die because of the deplorable and incompetent administration in the Veterans Administration health care system. Time after time they were denied the proper health care treatment that was needed. Because both of my friends could not afford any other healthcare they could not receive treatment out side of the VA system. One of these two friends of mine was in the Hines VA Hospital in Chicago for over a year. Think of that. Michael was in that hospital for over a year. He did not go home for one year. What efficient and properly run hospital keeps a person for a year in a bed in the hospital? Hospitals in the public sector strive to heal and get a person out of the hospital as soon as possible. During that time Michael was in the VA hospital he received very little information on his condition. I used to call him all the time while he was in and all he could tell me is: “They don’t know what is exactly wrong or how to fix it.” To this day I really do not know what exactly Michael’s condition was only that they had removed a lot of his innards. No, he did not have cancer. Based on this experience with my best High School friend, I can not put any faith what so ever in Government instituted and administered healthcare. Because of the deteriorated quality of life that the VA left him with, Michael overdosed this past Christmas Eve ( 2008 ) taking his own life.
My second friend Carl battled with the VA for years with a heart problem. The VA told him at first that he was OK. Nothing was wrong. But over a period of time Carl felt his heart get out of rhythm causing him to get very tired. After a 5 year battle he finally got a pacemaker and even then the VA would not change his status to “disabled” so he could get military disability payments. It finally was determined that Carl needed a new heart. Again the battle went on for another 4 years to get approval from the VA for new heart. Carl died on the operating table at Loma Linda Hospital while being prepared for heart surgery. All because of the incompetency of the Veterans Administration Hospital System.
When you sign that piece of recruitment paper the Government guarantees your healthcare for the rest of your life from the Veterans Administration Hospital, so why should the people volunteering to serve our country ever have to worry about quality health care for the rest of their lives?
4. The federal government can give very large tax credits and deductions to businesses that pay for half of the health care premiums for their employees and give tax credits to individuals who are self employed so they can afford to buy health insurance.
I think the last option is the best. Here is why. If you give all businesses small and large the incentive to provide healthcare to all employees and owners, the work force will stay healthier. And guess what? If employees are kept in good health then the employees will be more productive, miss less days being sick and guess what? Yes, all vested in this tax incentive program will pay more taxes because they will be working more and earning more money.
Here is the point I’m trying to make. If the Federal Government can not even run the Veterans Administration efficiently, How are they going to provide health care to the entire US Population?
Next is how are we going to pay for this? 60% income tax?
So either you pay a lot to the government in taxes for healthcare or you pay the insurance companies, hospitals and attorneys a lot of money. Either way the citizens of the USA have to pay for healthcare somehow. I tend to believe that the government provided healthcare would have a lot of pork in it and the quality of health care would be abysmal at best.
People who receive government healthcare in socialistic countries like Canada tell of waiting very long periods of time to get a non-emergency appointment with a doctor because there are millions of people on this program. Not a good thing as non-emergency problems can change rapidly and sometimes it is to late to take evasive action to prevent a deteriorating condition.
One way or another the citizens of the USA are going to have to pay for health care. Nothing is free…… nothing. We all pay for it somehow. The notion that “Free Health Care” from the government is just more propaganda from the Democratic party to lure votes and popularity among the Democrats in office and those that are running for office.