Health Care

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Health care is one of the most critical concerns that every family has. One illness or injury can wipe out a lifetime of savings and diligent financial planning. Health insurance, therefore, is a must for everyone. Unfortunately, many people go uninsured, making all of the rest of us pay for them through increased taxes. And some simply cannot afford adequate coverage, so a safety net must be provided for the truly needy.  But, overall, we must come up with better solutions to our health care problems.

The government is currently in the process of implementing the Patient Protection and Affordable Care Act (aka Obamacare), which was passed in March 2010. In my opinion, this is a detrimental law and must be completely gutted for some (not all) of the following reasons:

  1. This 2700-page law was put together quickly and in such a way that probably no Congressman voting on this bill knew exactly what it contained. In fact, the Speaker of the House, Nancy Pelosi, famously said you have to “pass it to find out what is in it”. And, certainly, if those voting on the bill did not know what was in it, the voters certainly would not have been able to know.
  2. This law completely takes away our freedom of choice. The Health and Human Services Department (HHS) has assumed complete authority to regulate the meaning of the bill.
  3. By being able to regulate the law, HHS in fact becomes the lawmaker. Our Constitution only assigns the responsibility of being the lawmaker to Congress. Congress has abdicated its responsibilities here (and elsewhere for that matter) and has thereby allowed this mess to accumulate.
  4. This law can be changed by every successive administration through the power of HHS, making it an open-ended and uncontrolled process.
  5. Contrary to the position of the Democratic administration, this law has raised taxes on everyone in multiple, and often hidden, forms.
  6. Contrary to the position of this Democratic administration, this law will change Medicare by eliminating funding for services that are available today but will not be available under the new Independent  Payment Advisory Board (a 15 member panel      which has the power to limit payment for critical services which are currently available to seniors.)
  7. Once it is fully implemented, we will never be able to get rid of this law.  The Federal government will seize the opportunity      to move towards a single payer provider, which is the goal of President Obama and my opponent.
  8. The Federal government is not trustworthy or capable of running a program of this magnitude on an efficient and effective basis. A prime example is Social Security. What happened to all of the money that has been collected from your payroll and from mine? It has been spent in areas where it should not have been spent and now Social Security faces insolvency. And we want to trust this government with this new authority?  Not hardly!
  9. This law provides an exception for illegal aliens. This is a prime example of the manipulativeness of this law, favoring people who are not supposed to be here over our own citizens and permanent residents.

We can do better because we do not need to have the Federal government as deeply involved in the health care system as Obamacare calls for.  Government need only be involved in the following:

  1. Pre-existing coverage is a major societal goal most people can agree on. This must be a requirement placed upon companies who sell insurance on an interstate basis.
  2. The option to include children up to age 26 on the parents’ insurance policy should be available.  There may be many reasons why the children are not carrying their own insurance.  However, this way, the insurance premium is being paid and the children have coverage.
  3. There should not be a life–time maximum limit on coverage. People with debilitating conditions need to be able to continue to receive necessary coverage.
  4. The ability for health insurance companies to sell policies across state lines must be put into law. Competition will drive down, or at least slow down, increasing costs of health care.
  5. We must have tort reform to limit settlements of liability cases involving health care. This will reduce the liability insurance costs borne by health care providers which in turn increase the cost of services.
  6. Costs for the uninsured must be a state/local responsibility.
  7. Any mandatory requirement to cover insurance should be the responsibility for each state.