Choices: Government Insurance or No Insurance

ObamaCare health insuranceFile this under the President’s most often repeated claim:  “If you like your present health insurance you can keep it – nobody can take it away from you.”

We reported last week that existing plans will not last more than a year or two because the insurance company won’t be allowed to make any  changes to those policies, even changes that benefit customers, no matter how minor.  Eventually the insurance company will be forced to drop the policy because it can’t be changed in response to costs and opportunities in an ever-evolving market.

Just to make sure your policy doesn’t, miraculously, last longer than five years, Obama and the Democrats inserted this clause in the thousand page health care bill:

(b) Grace Period for Current Employment-based Health Plans

    (1) GRACE PERIOD(A) IN GENERAL- The Commissioner shall establish a grace period whereby, for plan years beginning after the end of the 5-year period beginning with Y1, an employment-based health plan in operation as of the day before the first day of Y1 must meet the same requirements as apply to a qualified health benefits plan under section 101, including the essential benefit package requirement under section 121.

A “Qualified health plan” is one that complies with the fine print in a table of requirements, limitations, and regulations that will be put out, some day, by bureaucrats in the Department of Health  and Human Services.  While this clause begins with the seemingly helpful term “grace period” the intent is to make sure grace doesn’t continue after year five.  At that point there will be no policies left, anywhere that aren’t duplicates of the government’s “Qualified Plan.”

3 Comments so far

  1. ForgottenLiberty on July 26th, 2009

    Love the blog! Tons of great information. I have been telling an Obamazombie I work with that Obama has been lying to the American people every time he tells us if they like our health care we can keep it. He won’t listen, even when I show him the proof he tells me Obama will change the bill the bill because he would never lie. It’s so frustrating! Keep up the good work and if you have time check out my blog Forgotten Liberty! I just started it this week so let me know what you think.

  2. Cheri Douglas on July 27th, 2009

    Katherine Hale was a mother of teens when she was diagnosed with “terminal” cancer. Her doctor told her there was nothing to be done and she would die within 6 weeks. He said chemo therapy won’t help. The best thing for you is to just accept this and prepare for your death.

    But she didn’t accept it. She went home and got an appointment for a second opinion and a cancer center, where they tailored a multi-therapy approach for her and treated her with both chemo and radiation and arrested and reversed the cancer. Today, TEN YEARS LATER, she enjoys being a wife, mom, and grandmother to a family that is happy they sought a 2nd opinion.

    All this to say….She couldn’t have gotten a the 2nd opinion or the risky expensive treatment under a Socialized Government-run Healthcare system. It is problem’s like Katherine’s that bring people to this country constantly. The Government Review Board that is being proposed would have taken the first doctors diagnosis and even the second opinion diagnosis and said the cost was too high and the potential for success was too low = no treatment!! She would have died and we would not have this example of hope and faith guiding someone’s decisions to the healing God has for them.

    There will be no faith and hope in the equation once government takes over telling us what treatment we may have. It will be a simple numbers game. How old are you gets points. How sick are you gets points. How likely are you to be able to recover gets points. Add them all up and the data, (not any responsible person) but the data, will tell us whether or not we treat you. But we will put plenty of money into pain meds. so you can die in comfort.

    Even President Obama has said this about his own grandmother. “Maybe she should have just been given pain medicine.” The point is that that was HER and her family’s decision! No government panel was able to tell her what she could or couldn’t.

    Did you know that Congress has made all members and their families and the White Hose staff and their families EXEMPT from the nationalized healthcare plan? They should have to be bound by any law they pass. There aren’t supposed to be any LITTLE PEOPLE in this country. We are THE PEOPLE, free under God. They are not the GODS, but our elected representatives. Shame on them for serving themselves.

    Keep calling and FAXing, we are having an impact!

    So does our healthcare system need improvement. Sure it does. I pay a huge amount of money to Kaiser for minimal healthcare. I have to go out and pay extra for help from a wellness center and fitness center in order to take charge of my own health because Kaiser doesn’t offer clinical wellness centers. They will however offer bypass surgery, diabetes treatment, cardiac treatment or surgery….and the list of expensive alternatives to helping me stay well goes on and on. What do you think Kaiser would do if the government gave them a HUGE financial incentive to show how many people they had helped to lower their blood pressure, lose weight and improve lost work time from illness without any meds or surgery.

    I have a feeling they would have health and wellness fitness clinics springing up everywhere. The Healthcare System can figure this out. If the government has so much of OUR money to throw around, throw some at incentives for the RESULTS WE WANT TO SEE!

    More money creating more government bureaucracies will produce one thing…more government bureaucracies….while our healthcare goes down! Take it from me! I have spent 25 YEARS trying to help government bureaucracies streamline and work smarter. Guess what? It NEVER works!!! They just get bigger, less effective and more cumbersome! Would you trust your health to that?

  3. aaa again on July 28th, 2009

    My 2 cents:

    1. Our third party payer system has resulted in a divorce between the doctor and the consumer on the price decision. Nobody eats hamburger on an expense account, they eat steak. In health care, if people think its “free,” well, you get cost escalation, because they eat steak. Reintroduce price, or “reform” proposals are just so much BS.

    2. Health insurance today isn’t “insurance.” Its an all encompassing maintenance program. Routine medical care should be a household expense just like heat, power, light, groceries, clothing, water and food……… If you get really sick, you should have insurance for this catastrophic event, just like a homeowner who insures against fire. We have lost our way. “Insurance” is expensive because we have turned it into a maintenance program……..paying for everything. It does not take a rocket scientist to figure out the implications.

    3. If you implement “universal care” you will introduce institutionalized death decisions – literally – of those afflicted with expensive disease. In my entire adult life, I have never experienced a more cruel and ill thought out public program. This is one notch short of soilent green.

    And this from the party that “cares.”

    Bizarre.

    .