Obamacare

Obama care is inherently designed to run private health care companies out of business. The way insurance works in a nut shell is that the people who aren't sick basically cover the people who are. It sounds unfair, but it's the only way that it works. Imagine if every person waited until they got sick to get health insurance. Their premiums wouldn't even cover the cost of their bills. This is why the "big bad" insurance companies have pre-existing condition clauses - to ensure that people have insurance even when they aren't sick. From what I have been informed about the wonderful health care bill is that it requires private health insurance companies to spend 80% of your premium on actual care for you and if they do not do that you get a refund at the end of the year. This sounds great - why shouldn't your premium be used for you? It is great - until you are the one that is sick. Here is a fact - health care is expensive. Shocker, right? Equipment, drugs, tests, doctors, etc... are all expensive. Your premium only covers a small portion of your medical bills - the rest is funded by responsible people who pay for their insurance and don't use it. It's the same as home owners insurance, car insurance, and life insurance. You pay so that if you have a catastrophe you won't lose everything. In the meantime your money goes into a pool to help fellow Americans who have had that unfortunate catastrophe. This process works as long as everyone does their share.

By the way, what the Obama administration doesn't want you to know is that HIPPA protects individuals from being dropped from their employers insurance plan - you cannot be denied insurance from your employers coverage as long as you have had continuous coverage and if in the event that your coverage has lapsed, they can only deny you for up to 12 months - then they have to cover you. So the only major problem with our system as far as pre-existing coverage is concerned is that self employed and unemployed people did not have similar protection. This is a problem that could have been rectified with a simple bill to protect the individual, but the Obama administration played on the plight of a minority of Americans to help force a bill through that will eventually run private insurance out of business.

If private insurance does not have the pool of money from premiums of people with no major medical issues they will not have the money to cover anyone. Then in swoops the government (our tax dollars) who do not have to pay tax and can operate at a lower level and lower cost and private insurance becomes a thing of the past. This is what happened in Canada and this is what will happen in the US. It's all about power and control. The requirement in the bill that you pay an extra tax if you do not have insurance is simply another way for the government to cheat you out of your money. They set this requirement in Massachusetts and it only resulted in people choosing to pay the fine rather that get insurance because the fine was far cheaper than the insurance premiums and since their is a government plan that covers anyone regardless of pre-existing insurance why bother paying the higher cost? Unfortunately the government insurance will consist of long lines, rationed care, and poorer quality. This is inevitable because without profit their is no motivation.

Mark my words, this bill is just one step towards implementing a universal health care plan by eliminating all the "big bad" health insurance companies.