American Elephants


The Goal Is Signing You Up, Not Giving You Good Care. by The Elephant's Child

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It’s all falling apart. Nancy Pelosi insisted that it is not “ObamaCare,” it’s the Affordable Care Act. It’s “Affordable, Affordable, Affordable” — just when a very large percentage of Americans rise up in a multi-million voiced scream: “No it’s Not! It is not affordable!” They really don’t get it. They do not understand what a mess they have made of things through their arrogance and conceit. And the insurance companies are warning that premium costs will double or triple next year.

Insurance is meant to protect you from the unlikely but possible catastrophe. Your house burns down. A tree falls on your car. The simple fact that it is statistically unlikely makes it possible for many people to buy protection from the unlikely event, because it won’t happen to most people. The modest amounts everyone pays for protection produce the funds to give to the poor soul who did have the house fire, and still allow the insurance company to make the profit that allows them to do business and stay in business.

It should work the same way with health insurance. If many people pay in modest amounts for protection from needing brain surgery, there will be enough to pay for the one who does. What the Democrats managed to contrive in their back rooms is sort of a mish-mash of pre-paid health care, where everybody has to pay for their own needs and also the needs of everyone who can’t afford to pay for their own care, and the new bureaucracy to run it.  And they claim it will save money, and be better care.

They neglected to include the cost of the vast federal bureaucracy that is to be added on top of the medical bureaucracy and the insurance bureaucracy. The Democrats thought that a lot of young, healthy people who didn’t really need much in the way of health care would than pay enough to cover all those extra expenses of giving everyone not only what they needed but whatever they might want or find convenient.

The young healthy adults who have been uninsured because they don’t want to pay for insurance— because they are healthy—are collectively saying that they have no interest in paying for everybody else. In other words they may be young and naive, but they’re not that stupid. Democrats continue to pretend that ObamaCare is quite wonderful and everybody will love it—eventually, or perhaps they believe that they can just reform it into single-payer without anybody noticing. Which, if Britain’s National Health Service (NHS), which the ObamaCare advisers love, is any example, which it is, kills way too many of its clients.

Other than that, the Democrats say that aside from some “minor glitches” it is all quite wonderful, any claims to the contrary are lies (Harry Reid), and as soon as Obama manages to revise it enough, everyone will love it.

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