Ilovebenefits’s Blog

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Health care reform- what it will mean to you — think again, pay attention

Editor’s note: As I have said many times before, we are ALL going to pay for this out our pockets, health care will be rationed, and it will ultimately bankrupt the country for our children and their children. You can ignore this message, you can deny this message, but you will then be paying for your inaction for years to come! I have been involved in health care too long and know too much about the hydraulics of the system. I see the writing on the wall as clearly as a sunset in the Hawaiian Islands!

Tell Congress to Oppose Flawed Health Care Proposals

The federal government is in the process of preparing an overhaul of the U.S. health care system, and it goes far beyond covering the uninsured. Congressional proposals could mean rationed health care, employer mandates, and less economic security for all Americans. Of the new proposals, the most contentious issues are:

Creation of a “public plan.”
A government-run plan would be an unfair competitor, with the government acting as both the team owner and the referee. Government programs shift costs to the private sector. The Lewin Group estimates 130 million people would move from private to public insurance – this would be a disaster. It’s a very short step to putting all Americans in a single-payer system.

Employer mandate.
Punishing employers who cannot afford health insurance to provide coverage, including requirements to pay or play, is not the answer. Employer mandates, by their nature limit flexibility and innovation – the cornerstones of American health care.

Minimum coverage.
Proposing a huge Federal Employee Health Benefits Program (FEHBP)-like minimum coverage package will bankrupt employers and workers. Cadillac, gold-plated coverage like this will not appeal to the young. The minimum level of coverage should be more akin to a high-deductible health plan with coverage of preventative services.

This type of health reform would bankrupt our government and leave tens of millions of Americans without the health care they deserve.

Tell Congress to oppose the creation of a “public plan,” employer mandate, and minimum coverage.

Letter to Congressional Member:

I strongly urge you to oppose any legislation that would enact a government-run, public health care plan. A public plan would be an unfair competitor, ultimately shifting costs to the private sector as it becomes big enough to drive down reimbursements to doctors and hospitals. Consumers would then flock to the public plan because its premiums would be cheaper, and ultimately no viable private plans would remain.

In fact, a recent study by The Lewin Group estimates 130 million people would move from private to public insurance if such legislation were enacted. This would be a disaster  and devastate the employer-sponsored system.

Additionally, any mandate to employers that requires them to offer a one-size-fits-all “minimum benefits package” to all their employees is the wrong idea. The solution isn’t to force people to buy into an unaffordable system; the solution is to improve the quality and affordability of health care through market-based changes. Employer mandates, by their nature, limit flexibility and innovation; the foundation of voluntary employer provided health care.

Instead, I encourage Congress to reform the insurance market and find ways to control costs. Without serious steps to decrease health care spending, any such plan will accelerate the day of a health care financial meltdown.

Please consider the impact that a public plan and new sweeping employer mandates would have on the private sector. This is not the way to overhaul the health care system. I strongly urge you to oppose any legislation that favors a government-run, public health care plan.

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June 12, 2009 - Posted by | Economics of Health care, Federal Government, Health care delivery | , , , ,

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