What We Need – A Q Mini-Rant

This morning, my firm had our annual health insurance meeting.  As always, we were informed that our costs would again be increasing.  After which, I tweeted the following:

“Yay! $300 per year more for health insurance + $1000 higher deductible.”

Ken Gardner (@KesGardner) retweeted me, and in response, @OrwellForce made a comment that launched a mini-rant from me:


To which I say: Bull. & Shit. RT @OrwellForce: @SmoosieQ @kesgardner And Obama will use that as evidence of why we need Obamacare.

  • What we need is to remove the layer of artificiality which employer-offered group plans inject into the process.
  • What we need is for health care consumers to not be so divorced from the process that they have no way to assess their costs & risks.
  • What we need is for people to have the option of purchasing catastrophic coverage & paying for routine medical care out of pocket.
  • What we need is for insurance to be offered in a la carte fashion so that each person can choose the coverage that works best for them.  (Please note, the tweet said “do,” rather than “so” — stupid Auto-Correct!)
  • What we need is for Big Daddy Government to butt the hell out of the process.
  • And what we need is for the SCOTUS to smack down the individual mandate for the blatantly unconstitutional piece of crap that it is.

That is by no means a comprehensive list of necessary reforms.  Others, in response, added some great suggestions, including dissociating health insurance from employment altogether, making it available across state lines and tort reform. 

As @AIPolitics rightly pointed out, even if Obamacare is repealed, we need to not lose focus.  My fervent hope is that the Supreme Court does the right thing tomorrow and, at a minimum, strikes down the Individual Mandate for the unconstitutional abomination that it is.  (And while they’re at it, it wouldn’t be a bad idea to put a stake in the heart of Wickard v. Filburn and restore the scope of the Commerce Clause to its rightful boundaries.)  

But that is not — and should not be — the end of our interest in the matter.  Some significant changes do need to be made to the way health care is delivered — and paid for — in this country.  One of the the concerns I see raised frequently, in addition to the astronomical costs, is the obstacles to obtaining health insurance for those with pre-existing conditions.  That is a serious issue and one that deserves some significant scrutiny.  I may try to address that in a follow-up to this.  For now, just wanted to share this mini-rant. 


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