There has been much discussion regarding Obama’s Health Insurance proposal lately. I find most of it disturbing in that it seems to be a big power grab by the government instead of a solution. To name a few problems…
I don’t believe this plan will do a whole lot to fix the root problem, which is the costs of healthcare. The high costs of health insurance are a symptom of the root problem, not the actual problem.
Some things that could be done to help the problem…
In doing so, I believe I have improved my health dramatically by making these changes which I probably wouldn’t have done if not for the loss of my cheap health insurance. Perhaps that’s part of the problem… if so many people are getting cheap or free health insurance from the government or their employers, what incentive is there to be concerned about your health if you know everything can be fixed for a low cost or nothing in some cases? Wouldn’t it make sense to at least allow discounts for good healthy habits or for scoring well on health tests? Or perhaps allowing them to charge extra for risky behaviors/jobs, such as downhill skiing or logging?
I realize this can be a very emotional and scary issue for most people. Everyone wants good quality care for as little as impossible. No one like to pay for insurance if they are not sure they will need it. At this time, I am currently trying to get on a health insurance plan that is affordable to my wife and I, which can be quite difficult here in Vermont where the choices are so very limited.
The idea or mystic of a very comprehensive healthcare/health insurance program that covers everyone for little cost sounds very attractive, but the reality is that the government running such a program will be very risky and I believe would end up being at least as expensive as our current system and will be far more intrusive. If the government is running the program, what would stop them from placing far more limits on our activities to keep costs down… they probably won’t do that right away, but think 10 or 20 years down the road, when they’ve reached their taxation or premium limitations. Look at anything else the government runs, it’s only a matter of time before the programs go under-funded and need to increase rates or tax rates just to keep up with payments. At this point, the government will be forced to put limits on our behavior, which is already beginning with smoking and trans fat bans. Why wouldn’t this increase with the government taking over healthcare/health insurance? My wife and I are now living a much better lifestyle where we don’t eat much unhealthy food or engage in drinking or smoking or other behaviors considered unhealthy, but that doesn’t mean it’s right for the government to force our lifestyle on others and I certainly would like to be able to get the occasional fatty burger and fries from when I want to.
So, I firmly believe that a government takeover of the healthcare industry will not signifantly reduce the costs in the long run, if at all, will limit our choices and most likely result a huge loss of personal freedoms.