One of the biggest arguments in the Healthcare Reform is that Healthcare is a right. The right to healthcare is one I am in full agreement with. What I am not in agreement with is government run healthcare. One of the biggest industries in America is Healthcare. It is also one of the fastest growing. For all those with out jobs at this time, there is a great need to people in the nursing profession. If the government goes through with this Healthcare reform it will impose regulations one the healthcare industry that will make these jobs harder to get and possibly downsize.
One of my personal issues with the Healthcare Reform is Insurance issues. First of which is the government run Insurance. Insurance is a privilege, not a right. The health insurance industry started during the American Civil War. This insurance was closer to the concepts used for Auto Insurance today, it covered only emergencies. This insurance, as with auto insurance, did not cover basic care. Insurance was made to handle unexpected emergencies that could cost large amounts of money at one time. Just as you do not expect your auto insurance to cover an oil change, this health insurance did not cover basic routine care.
What the common Health insurance is to day is medical expense insurance. This model started in the 1920 with the concept of pre-paid health care. This later turned into the comprehensive health Insurance we have to day, which covers routine care and preventive care. This system evolved from a per-paid system (which I can understand using) It would have been like a savings account that could only be drawn from for medical. Health Insurance today is a contract between the company and consumer. These contacts include thing to help the consumer and protect the company. One of the items used to protect the company from going out of business, and keep them running for all their customers is the Coverage limit. The coverage limit is similar to a fair usage policy for the internet service providers. The company only has a certain amount of income to provide cost coverage. If you are costing the company more they the can afford, you coverage would be dropped, but this coverage limit is know when you first take out the insurance. The Healthcare Reform wants to do away with the Coverage Limit, this will cause some insurance companies to lose money and go out of business.
Because Insurance is a gamble, no one can be certain of your future health, companies may deny coverage to people that have conditions that they know will continue to cost more over time than they can charge for coverage. These pre-existing conditions are like your driving record, since everyone want to compare Health Insurance to Auto Insurance, If you have a history of accidents you may be denied auto insurance, because you may cost more than they can charge you for coverage. This is common sense when looking at it from the business end of things. If providing your service to an individual will cost you more than you can make from them, you should not provide that person with the service. This is another thing the government Healthcare Reform wants to take away from the Insurance industry.
Another Issue I have with the proposed healthcare reform it the mandate that everyone must have health Insurance. Once again people, including our president, are comparing this to Auto Insurance mandates. If I drive and own a car I must have auto insurance. These mandates vary from state to state, but they all include one thing, liability coverage. This coverage is to protect the interest of others. Liability coverage does not cover you or you property, it covers others for damage caused at your fault. There is nothing like that in health insurance, my health insurance covers me and my family, not you and yours. My liability auto coverage covers you and your car, not me and mine. They are two different things.
Also, I have an option to avoid auto insurance if I am not willing to pay for it, or just can’t afford it; I can choose not to drive. There is not option like that for health coverage. This mandate states that you must buy insurance coverage from either a private provider or the government option. If I can not, or do not wan to, pay for health insurance what are my options, chose not to live? I guess I could always choose to go to jail where the government will pay for my health coverage anyway. This mandate would be the first where the federal government has told the American people “You must buy this product.” If that is not a step in the direction of socialism, what is?
I am in agreement that Healthcare Industry needs reform, I have said that many times. I do not feel that the federal Government should force a “One Size Fists All” approach to the reform, It should be handled by local and state governments if is to be a governing issue. I also do not want the Federal Government me what to buy. That is not their place.
Healthcare is a right, no one should be turned away if their live is in emanating danger, and laws do protect this. Health Insurance is a product created by private industry. You have the right to buy that product, but you do not have the right to make me pay for it for you.
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