The Failure of Health Care Reform: An Insider's View

Discussion in 'Media' started by hvactec, Oct 1, 2011.

  1. hvactec

    hvactec VIP Member

    Jan 17, 2010
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    New Jersey
    Employer health insurance premiums went up on average about 9 percent in 2011, and you can expect a lot more where that came from. Only a fool didn’t see this coming, which is to say the White House, every member of Congress who voted for the health care legislation, and all of their liberal enablers who have dreamed so long for the day when the government would take control of the health care system.

    I was in the middle of the fight against ObamaCare. Trying to explain to Democrats and their staffs why the legislation would make health insurance premiums explode was like banging your head against the Berlin Wall.

    They would mindlessly—almost zombie-like—regurgitate the liberal talking points, asserting that if we could just get everyone in the health insurance pool, premiums would go down, not up. Didn’t President Obama repeatedly promise that premiums would fall $2,500 for a family by the end of his first term?

    So the government:

    Provides coverage to an additional 45 million to 50 million uninsured Americans—note that the uninsured spend less than half of what the insured spend on health care, so their spending will rise significantly;

    Requires insurance to cover lots of additional treatments and services, in many cases free of charge to the patient; and

    Guarantees that people will spend very little out of pocket, which insulates them from the cost of their decisions;

    And the president argues—well, he used to argue, until the facts could no longer be denied—that total health care spending would go down!

    Every aspect of the current health insurance system that makes health care so expensive—requirements to cover lots of additional therapies, limiting patients’ cost exposure, and subsidizing the most expensive health plans (through employers or the government) so that more people will choose them—is in ObamaCare … on steroids.

    Under normal conditions, health insurers and their actuaries would have spoken out vociferously, trying to inject some insurance principles into the debate. But there were at least two countervailing factors this time around.

    First, the Obama administration and the Democrats who controlled Congress at the time made it clear that they would make life—and the ability to do business—hell for any insurer that fought them. I can recall talking to an insurance company executive in August of 2009, the summer of the huge rallies against ObamaCare, who told me he had a stack of red folders on his desk—demands from Democratic committee chairmen for various types of information. The message was clear: get on board with ObamaCare or expect to spend a lot of time answering committee demands, or testifying before Congress, or worse. So far I haven’t found anyone willing to speak out on the record about these strong-arm tactics—and probably won’t until 2013.

    Second, the primary health insurance trade association, America’s Health Insurance Plans (AHIP)—which is run by, Karen Ignani, who worked as a Democratic Hill staffer and for the AFL-CIO—never took an aggressive stand against ObamaCare.

    read more The Failure of Health Care Reform: An Insider's View - Forbes

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