It's a hot topic again so I thought I'd throw some things out there. As many of you know, I work in the industry so these are only my personal thoughts and do no reflect the views of opinions of my employer, wife or pets.
Democrats have long been the ones who have said that health insurance companies are evil. They've said they are the worst thing to happen to America since slavery. So why did they write and pass a bill that requires all Americans to do business with an insurance company?
Prior to this bill poor people with no means to acquire insurance could enter an emergency room and receive care with relatively few questions asked. Under the new law, those seeking care at a hospital emergency room that do not have insurance will be reported to the IRS. The IRS will have to inquire as to whether or not the person properly paid their no-insurance tax with their last tax return. That means the IRS will audit that person. All of sudden Americans seeking emergency care guaranteed by law will face inquiries into their tax status. I'm glad they made that change - it surely helps the poor, right? Oh, and let's not forget that those who are in the country illegally will by default be rooted out by the IRS in the process. No more anchor babies, I guess. Forget Sherrif Arpaio checking your status during a traffic stop, Nurse Betty will become La Migra in the future.
A good sized portion of the uninsured in American before Obamacare paid zero for their care. It was completely subsidized by the government. Now, millions of people who had no out-of-pocket costs have to come up with co-pays and possibly partial premium payments. How is that better for them?
That's just some surface stuff that I've been thinking about. There's a lot of stuff that none of you will understand until you are faced with the rules actually being applied. The pre-existing condition part of the bill sounds great until you understand that the insurance company can't tell you "no," but they can charge you an arm and a leg (if you still have them) for your policy. It's not like someone who couldn't get a policy before because of an illness is now all of a sudden going to get a policy for $300 a month. It's going to be more like $7,000 a month. Not a lot of help, now is that?
And don't worry - there are thousands of tiny little provisions in the bill that are going to ensure your premiums increase... dramatically. You don't have to guess who the real winners are going to be, do you?