Posted by
Christopher Van on Wednesday, October 14, 2009 9:52:50 AM
While Democrats refuse to publish the contents of their insidious healthcare take over, we do know a few things. Senate Minority Leader Mitch McConnell has said that this bill will never come before the Senate in its current form while the unions and Joe Lieberman are opposed to the contents. Simply stated, this is a one trillion dollar takeover of our individual rights by an increasingly imperialist federal government in need of serious change. The problem that we are facing is an administration and a political party that are so bent on creating this massive entitlement that they could care less what it contains, as long as something is passed; even the current bill that will still leave 25 million Americans with no health insurance.
The silver lining is that with each passing day, Americans are growing ever more weary of what may be up the Democrats sleeves. They are finally beginning to realize that this isn’t about us, but rather about a generations old goal of establishing more government power inside the beltway. For you liberals who still don’t get it; this type of liberal fascism is what drives the tea party movement.
The unfortunate thing is that there are elements of discussion on healthcare reform that are worth having. There is no question that our system is not perfect, albeit better than just about any other on earth. Rather than pass a 1000 page transfer of wealth, Congress could actually gain credibility by focusing on five essential elements that would lower costs, enabling more people to afford to by coverage.
1- 1. Tort Reform is the single biggest cause of the high cost of insurance. Frivolous lawsuits abound and it is time to reign in the trial lawyers which isn’t likely to occur when they are among the biggest contributors to the Democrat Party. Include in this reform loser pays laws that holds both the plaintiff and their counsel legally liable for attorney fees and costs associated with frivolous actions.
2- 2. Interstate purchasing and transfer of medical coverage would allow for competition among all fifty states. There are states, such as Alabama, where a few insurers have a virtual monopoly. By freeing up the constraint, we could see costs of coverage dramatically reduced.
3- 3. Pre-existing conditions are an area that continues to be a bone of contention. While not applicable in group policies, they do apply in individual policies, where underwriting can be overly draconian. On one hand this is insurance and we certainly wouldn’t expect an insurer to provide a new policy for someone whose house burned down last week. However, we have to balance the realities of underwriting with providing healthcare at the lowest possible cost with the highest possible quality. What would make sense is to create a portability clause so that coverage can remain with people, who could take it from job to job. By creating an ownership by individuals rather than employers, people can be accountable for their coverage and have the benefit of a policy without facing excessive underwriting scrutiny as long as they take responsibility to ensure that the policy remains in force.
4- 4. Further promoting tax free medical savings accounts is a way to provide Americans with cash often needed for medical policies and care. Everything associated with the cost of medical policies and procedures should be tax free. By creating a dollar for dollar tax reduction in tax liability, we would enable millions to purchase coverage that they need, which would take a large burden off the system. If we can spend a trillion dollars on a democrat plan that changes virtually NOTHING, we can certainly spend a fraction of that to benefit business owners and hard working employees.
5- 5. No free benefits for illegal aliens. If you are here illegally then you are breaking the law. Illegal’s know that they can cross the border and squeeze out babies who are given automatic citizenship. We need to turn off the free care. If you are an illegal who shows up at a medical facility, you are to be detained and returned to your homeland. If you have a medical condition that is a life and death situation, then treatment can be provided and you will become a ward of the state until your debt has been paid back by your providing community service, picking up trash on the streets or cleaning up graffiti. If you don’t like it, don’t come to America.
In looking through the piece of garbage being put forth by the Senate Finance Committee, I am seeing very little in the way of things that will matter or make a difference. As usual, this group of political elitists is trying to appease some lobbying groups while doing nothing to benefit us.
As for supporting this bill, it is now more important than ever to voice our opposition. This bill will change nothing for hard working Americans, other than further driving up our health care costs in the form of new mandates. Then again, did you really expect those inside the beltway to care about you or I?
Christopher Van
www.christophervan.com