How Does Individual Health Insurance Plan Deductible Work

I have been thinking close to national health insurance and I used to be for it. But at the present I am not sure, as there are two fundamental problems with any national health insurance plan.

The first problem can be summed up briefly. If you have national health care, the gbeyondnment will run it. Quick name whatever that the government act competently. Think about how happy you are to renew your drivers license. You dread the prolonged rows, the rude clerks, their attitude of ” I dont add a damn”. This is the same government that will be surging national health insurance. You think you hate your HMO now. You think that CIGNA stands for Called In Got No Answer, just hold back until it is taken over by the government clerks.

And lets be genuine. You think there is too much admin and paper work involved in the health care industry now? satisfy! Again name one government program that has ever decreased paper work and administrative costs.

Remember Ronald Reagans well known line. “The scariest phrase in the universe is I am from the government and I am here to aid you.”

In theory , national health care insurance sounds great. But the government cannot run anything efficiently, the projected cost of national health insurance hovers somewhere around one trillion a year, and you are assuming the government will keep these costs under control. Okay – you are allowed to snicker here. The lines government and cost control do not belong in the same sentence. Again, name one government program known for its sterling cost control efforts.

You may hate Blue Cross, but they have shareholders they must rejoinder to. They have a profit they must make every year. They have an incentive to keep costs under control. What incentive does the government have to keep costs under control?

The other fundamental problem with national health care is the very conclusion that it rests upon. People crave health care, therefore the government will provide it. Last time I tried, we already knowledgeable a private sector providing health insurance.

Now think about that. If the government can take over any private sector affair, because ” people need the product.” , that is , at best, a very rocky argument. And if the government can take over a private sector business, because “they are charging too much”, that again is a very scary proposition.

Look we all need electrical energy. But if I dont pay my bill, the power company will turn off off my lights. That is not trade extravaganza. Over 40 million Americans cannot afford electricity and something must be attained about it. The obvious answer is to have the goverrment take over my local electric company and provide me with electricity. That will teach the electric company two instruction. First , do not get into business providing a facility people “need”. As with national health care, if the government does not like the ordeal you are doing, they will take you over.

The second lesson. Just like health care premiums, if the electric charges go up too high and the people cannot afford your drawn up service, the government can step in, take over, and check that that everyone has affordable premiums, I mean electric rates.

Hmm – government clerks running your health care. And giving the government permission to take over any business sector providing a monolithic service – electricity, housing, food, gas – just so government clerks can control the costs. Those are two roads I dont desire to go down.

What Health Care Reform Means For The Insurance Companies

Filed under: Health Insurance

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