Several months ago I wrote a bit about how the American people were being fed a huge lie about insurance, i.e. how we all need insurance and how if we all had it, then the cost of medical care would be lower. Frankly I think insurance is quickly becoming government sanctioned extortion, particularly considering the proposal to force people to purchase insurance or face a fine on top of the taxes to pay for someone elses health care. It isn’t clear whether you would be allowed to have health care if you are forced to pay a fine, but I wouldn’t put it past our government to preclude those fined from obtaining government health care.
We Can’t Afford Socialized Health Care
There are several factors to remember when talking about a nationalized health care system and the biggest of them is probably the fact that we can ill afford to pay for it. Consider the points I raised in the previous article regarding the fact that insurance is a business. Currently, medicare costs are bankrupting the system, and presumably the new socialized health care will follow a similar model … pay as you go. As it has been pointed out by many people other than myself, the current “pay as you go” mentality of the government is nothing more than a huge ponzi scheme whereby benefits to previous subscribers are paid for by new subscribers. This means, that at some point, as is now evidenced in both Social Security and Medicare, the new system will be ill prepared to provide for the combined proposed benefits of the subscribers and as a result will either have to cut benefits substancially or it will have to exact more taxation from the subscribers (you and I) to pay for this monstrosity.
Now before I get off on a tangent, let me explain why you cannot afford nObamaCare. Under the current proposal, every citizen in the US or under US control would be required to purchase insurance with the caveat being “if they can afford” to purchase it. I have checked out various insurance programs, considered their cost, and determined that the median family income of $67,019 a year would probably allow some families to purchase group policies, while others would not. The reason for this is that outside of a group policy as provided by an employer, major medical policies can vary from as little as $350 a month per individual to $1700 a month for a family of four. Now if we consider that an insurance company is a commercial enterprise with aspirations of making a profit, you have to believe that the costs are that high for a reason, and that reason is they have to cover the costs of providing the care.
So what might put you, the average citizen, in the $350 category as opposed to something higher? Consider that your age, health care history, home state, and gender play a huge role in determining your rates, and while race is not immediately asked of applicants, you can rest assured that it plays a factor as well, despite the efforts by government and insurance companies to make us believe otherwise, it is quite obvious to insurance companies that African-American males have a higher health care cost than any other gender/race group of people. The insurance companies know this, and you can bet they have a method to insure they are not exposed unnecessarily. There have been reports of gender and race bias in the application of benefits that seem to unfairly target minorities. Whether this is by design or because of other social issues remains to be resolved. Regardless, the equitable access to health care is expensive, especially if you have any pre-existing conditions.
The bottom line, is do you trust government enough to allow them to dictate whether you can afford to pay $350 a month for single coverage or as much as $1700 a month for family coverage? I doubt most have that kind of faith in our government .. I know I don’t.
Limited Choices for Care
Under the proposed system, your health care will look similar to that of Europe or Canada where it has been reported that medicine is not provided because of cost or treatments denied based on where they live, in fact, under most conditions, patients are barred from paying for the procedures themselves.
According to British journalist Melanie Phillips, the British model, which many in our own government have taken direct clues from as to what they would like to see in the US, has become a matter of life and death with dire circumstances.
” Britain has some of the worst cancer survival rates in Europe, and as some doctors privately acknowledge, one reason is that NHS patients are prevented from buying the most effective drugs.”
She futher states as a matter of policy that the NIH causes physicians to cease treatment for an illness if the patient or patient’s family purchases any enhancements to the treatment. For those who are part of the envy class that hate people for being good money managers and savers instead of spenders, this means that evil rich people have to get the same crappy medical care as the rest of the population, except what they fail to realize is that refusal to allow a person medical care is the exact opposite of their mantra for improved coverage and improved care. I suppose it is only a bad thing if it is somebody else that is refused care. I have a sneaking suspicion that the lawmakers in Washington will not be forced to see the same sub-par medical practitioners as those who will be part of the socialized health care they are advocating so vehemently.