The Affordable Care Act
This is my opinion of what the Affordable Care Act is trying to do and how it is impacting the country.
Elected empty suits with the help of appointed empty suits want everyone to have an equal opportunity to have adequate health care; as they define what adequate health care is. They bullied a bill through Congress using means that would embarrass a 1930s NY Teamster Union Bully Boy on a recruiting drive. The arm twisting, bribes, and black mail used to get enough votes from their own party has never been used before or will be used in the future.
Of the millions of uninsured a quantity, probably more than half were uninsured because they chose to be uninsured. They were both young and healthy, and decided to take a chance that they would not need to spend more on medical expenses than the insurance would cost them.
Others chose not to pay for health insurance because they knew they could go to an emergency room and get treated for whatever they needed and the cost would be covered by the hospital or Medicaid or some other means that did not cost them anything. Their personal lack of responsibility allowed them to go through life not worried about paying their own way in the world.
To solve this problem they create a minimum standard for health insurance. I’m willing to give them credit for a naïve view of the needs of those who cannot afford to pay their own way in the world. They decided that all policies must cover maternity, contraception, mental disorders, and a wide array of other medical issues that many people in the past chose not to pay extra for.
These requirements prevent the insurance companies from offering competitive products to individuals who want individual health insurance. The only insurance possible are policies that provide the list of minimum services and coverage required by law. If they realized it or not they took a certain amount of freedom and liberty away from us; and if you choose not to buy any insurance at all there is a penalty to pay. Unfortunately the Supreme Court has decided that this is not unconstitutional. Maybe it’s not unconstitutional but it is a loss of freedom. Personally I DON”T like it!
The insurance companies have to provide these policies; they also have to support themselves. The cost of providing the coverage required by law is staggering. Wikipedia defines actuary as “An actuary is a business professional who deals with the financial impact of risk and uncertainty. Actuaries provide assessments of financial security systems, with a focus on their complexity, their mathematics, and their mechanisms” Actuaries define the financial impact of risk for an organization. Over the years they are excellent as quantifying risk and cost.
The elected empty suits want to provide the free lunch, but never consider the impact of the cost of the free lunch. The expensive coverage requires a large pool of people paying for the cost of the expensive coverage to provide the expensive coverage for those who can’t or won’t pay their own way in life.
Providing the free lunch is now causing millions of individuals and families to lose the insurance that they were happy with because they don’t meet the minimum standard as defined by an elected or appointed empty suit. The freedom to decide how much insurance you want to pay and how much risk you are willing to take is now longer available to us. Bureaucrats are now making decisions that the individual used to be able to make on their own.
There is a need for millions of healthy individuals and families to pay for all these expensive services that they will not need to cover the costs for the sick and indigent who will be covered but can’t pay for it. Think about that. To provide the level of coverage that the bureaucrats think is appropriate for those who do not want to pay for it or cannot pay for it, millions of hard working individuals and families have to lose their freedom and pay much more for coverage that they DO NOT want.
The tail wagging the dog; a smart businessperson would have attempted an easier solution to the situation. I refuse to call it a problem because it isn’t. Government is not expected to provide health care to citizens. The Founding Fathers did not include it in what the government is required to do. It should be a personal responsibility such as eating, breathing, passing wind and supporting yourself and family. Freedom and personal responsibility used to be some of the qualities that made this country great.
It would have been cheaper and easier to pay the premiums for a decent basic personal or family health plan for those who were uninsured than to create a mega complex scheme that is designed to fall apart.
The naïve, uninformed good intentions of elected and appointed empty suits caused millions of us to lose some freedom and some choices. Providing health insurance to a quantity of individuals and families who chose not to pay or could not pay for it themselves, causes all of us to lose our freedom of choice and dramatically increase the cost for all of us for coverage we do not need or want.
The Affordable Care Act is intended to solve a problem that most of us do not recognize as a problem. It’s too complex and cumbersome to be implemented smoothly or to run smoothly for the long term. It will almost certainly fail dramatically because it tries to be all things to all people at a cost that is too steep for any of us.
Here is my analogy of the situation. A family goes to a restaurant to have a nice dinner. The children want a hot dog, a hamburger, French fries, and coleslaw. The wife wants a chef salad and a small piece of broiled fish. The husband wants a large steak, baked potato and peas. In the past this meal cost the family $75 and that included the tip.
Before they are allowed to order they must hand over their Social Security Numbers, addresses, dates of birth and some other personal information.
The family wants to order what they want, but the waitress informs them she will deliver what they are required to eat.
The waitress brings them each a large bowl of high fiber bean soup, shrimp cocktail, overcooked New York Strip steak (they all would have preferred medium) two orders of steamed broccoli, and several large BBQ pork ribs, and a large bowl of pistachio ice cream.
When you explain to the waitress that you and your family do not eat pork she responds “That’s OK other people do and everybody gets the same thing!”
You are not happy but you and your family start to eat and you are disappointed because the food you used to get here used to be much better. The waitress explains that the old chef quit because the pay was not as good as it used to be and the chef couldn’t cook what he wanted and had to cook what was required.
The whole experience was very disappointing and you ask for the check and it is no longer $75 it is now $175. You complain that you received much more than you wanted and should not have to pay as much as the check required.
She thanks you anyway and takes your money and reminds you that you must return within a month or you will have to pay a penalty.
“We checked your financial records and it shows that’s how much you can afford it so you have to pay. You are expected to make up the difference for those who can’t pay and since they are only paying around $2 the extra you are paying will make up the difference.
If my analogy is different than the Affordable Care Act it’s only in shades of grey not in substance.
The moral of this story is never, ever; let bureaucrats solve what they perceive as a problem. They do not have the temperament or the ability to solve a problem as complex as the menu for a box lunch let alone the health care and insurance industries that affect the entire country.
Any elected official who voted for this must be punished at the polling place as soon as they are up for election. This nightmare was inflicted on the country by elected empty suits and they must become unemployed elected empty suits as soon as possible.
Vote them all out as soon as you possibly can.