While I agree that changes need to occur in the way that health care is delivered and paid for in this country, I look at the proposal coming from the Whitehouse and it makes me more than uncomfortable. I know that Obama and company are doing their best to villify the insurance companies ( and in some cases with cause ) but we seem to be forgetting exactly what insurance is and that the companies that Obama wants to mandate to started out as private companies. The below is from the letter that David Axelrod has been sending out.
"Ends Discrimination for Pre-Existing Conditions:
Insurance companies will be prohibited from refusing you coverage because of your medical history.
Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays:
Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
Ends Cost-Sharing for Preventive Care:
Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
Ends Dropping of Coverage for Seriously Ill:
Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
Ends Gender Discrimination:
Insurance companies will be prohibited from charging you more because of your gender.
Ends Annual or Lifetime Caps on Coverage:
Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
Guarantees Insurance Renewal:
Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
Emphasis mine.
Learn more and get details:
Health Insurance Consumer Protections "
My first thought when I saw that list was "takeover". Some regulation is certainly needed, but .....
I don't know. I'm having a "duh" day but I just know that this seems to go against this country's basic ideals of freedom. Maybe someone needs to start a better type of insurance company that gives people what they need that will take customers from the old insurance industry. Sort of like cell phones now dominate the telephone industry. The government didn't have to "make" the AT&T be more responsive to customer needs, Verizon did that.
I think it's time to look outside the box for solutions.