Sunday, February 7, 2016

ObamaCare Bill Coming Due

The simple idea that people should purchase whatever health care insurance they need without interference from government has been overwhelmed by the idea that a handful of bureaucrats knows what's best for every citizen in the United States.  You are not free to choose even if you know what you are doing.

Now, comes the part that they didn't tell you about.  Two articles in today's NYTimes are enlightening.  Both articles are about the "high-deductibles" in most Obamacare insurance policies.  The practical impact is that most people now have insurance but cannot afford, and are increasingly not getting, health care.

The big lie was that your health care costs would fall.  For the average American, health care costs are now astronomical, because of high-deductibles that can range as high as $ 10,000 per year in out-of-pocket costs before the insurance kicks in.  For a family with the average family income in America, approximately $ 55,000 per year, this means you have to do without health care unless your problems are truly catastrophic.

One of the NYTimes articles notes that deductibles are rising much faster than wages in America, so the unaffordability problem is going to get a lot worse.

You have health insurance; you just don't have health care.  I guess that is a victory of sorts -- certainly for Obama.  But Obama never really cared whether anyone had adequate health care or not.  It was always about health insurance coverage, not health care.

How about letting people buy whatever health insurance they want without one iota of interference from the government?  And, let insurance companies design insurance products that people want and need -- not what Obama and his gang think they need.

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