First, I’ll say that I took the job I have because of the health care benefits (and every other job before it), and that I have only had one medical procedure denied in the past 4 years.
In fact, my lap band surgery cost me less than $1000 total, even jumping through the hoops. My insulin pump did not cost me anything out of pocket.
That being said, Obama Care scares me. I don’t want my insurance messed with. And I pay quite a bit monthly for premiums, about $300 a month right now. But with my medical issues, I need that much health insurance and I would pay for supplemental if it still was available.
My first argument against Obama Care is to look at the “Cash for Clunkers” program. It is an example of the current administration way of doing things:
- The method of communication did not work well.
- They ran out of money
- They screwed up other entities (local charities are claiming they lost donations)
- The car dealers have no idea when they are going to get their money.
My second argument against Obama Care is the number of industries and job we'll lose. We will eventually lose companies like Blue Cross Blue Shield and their workers will lose their jobs. You think the economy sucks now … and a lot of those people are pink collar workers.
So here’s my solution:
The existing health insurance programs should be expanded so that people can buy their own policies. They still won’t be cheap, but it should be competitive with group policies.
Health savings plans should be mandatory for people under 30. A health savings plan (as opposed to a flexible spending plan), allows a user to save money in an account forever, be drawn for medical expenses, and earns interest. That way if they do not choose insurance they still have a fund. Also, health insurance plans should be able to be paid for out of the fund.
I think we’ll actually make more jobs this way.