Recently, with the horror of insurance loss and inability to replace it using the website, two recurring themes keep coming up: there are too many uninsured using the emergency room, increasing costs for insured when they are sick or injured, or; Obama care is an effort to rebalance the bargaining power on costs between the insurance company and the insured. Both claims are Insidious and one is invidious as well.
The claim that Obama care will save insured costs of funding the uninsured is insidious [attempt to mislead, beguile or deceive] at best. It’s true that the uninsured being treated in emergency rooms at little or no cost to them increases cost to insurance companies and patients( through increased insurance fees and out-of-pocket payments for co-payments for deductibles). But, upon reflection, how is this different from the increased costs and higher deductibles charged for a policy bought through Obama care? Obviously, it’s NOT different. Well, under Obama care, those who are now uninsured will be called “insured.” Still, most, if not all, of these costs will continue to be paid out of the pockets of those Obama care insured who are ineligible for any subsidy(the costs for these which will ALSO come out of the taxpayer and the non-subsidized Obama care insured). In other words, it’s all semantics. The present “uninsured” will now be called “insured,” but, at little to no costs to them, and the full cost being borne by others.
In reality, this is nothing but a bald effort to rationalize the fact that, taxpayers (or those not destitute) will still be footing the entire extra costs plus income taxes for this care for others while still being able to claim such a plan is more beneficial to those presently (pre-Obama care) doing the exact same thing. What this red-herring wishes to distract you from is the increases of costs for medical care/treatment, and the increases of taxes to pay for the increased bureaucracy to handle these changes, AND the costs of any subsidies paid to those now among the ranks of “uninsured.” Not really such a bargain, is it?
On the other hand, the attacks on the motives and business practices of insurance companies (pre-Obama care) are both insidious AND invidious [create ill will, envy, and resentment]. Let’s think about that. So far, multiple claims (from multiple sources) have been made that these insurance companies have wrongfully set their insurance premiums way too high for the coverage provided AND, that Obama Care will give BETTER coverage at LOWER cost. Really? What I haven’t noticed is any effort, or even bluff, that their claims are based on actual information. It’s readily available for those with the knowledge and incentive to research actuary tables (taking into account risks of it happening and based on population the percent of their insured who are even likely to incur the disease or injury. With this in mind, taking into account the costs paid to insurance companies for their premiums and the costs of payouts by the insurance companies, one could determine whether the insurance companies’ profit margin is really as unconscionable as claimed. Naturally, people will differ on their interpretation of the same numbers, but, at least they tried to substantiate their claim with concrete facts, which can be reviewed and considered by the general public. But, no effort to substantiate at all. Likewise, with the website down, there is NO way to substantiate or rebut the better coverage at lower cost claim. Gee, who is responsible and in control of the factor preventing any rebuttal or substantiation? Right, the same folks making the claim.
In my opinion, what Obama care is really is an effort to initiate communism through control of the insurance without revolution or use of the Red Army. unlike SOCIALISM (which is the alleged permissive use of all goods, income, and products of their labor by those who own, earn or produce these items for the use and enjoyment by others who cannot or will not be able to produce, earn, or buy these things), COMMUNISM is the ownership and control of property, goods, profits, etc. for use solely as the Government sees fit. Under Obama care, one CANNOT buy an insurance policy with the coverage cost and deductibles they would like, the GOVERNMENT will determine what they WILL buy and how much they will pay for it. INcreased cost,INsidious and INvidious claims, IN (versus) UNinsured, INcreased bureaucracy – too many “INS.” OUT with Obama care and this deceptive rhetoric!