Thursday, April 20, 2017

Repeal and Replace Only Half the Answer

There is a stigma developing in the United States against those who do not have health insurance and that stigma only makes the problem worse. It blinds one to the true problem and hinders the ability to find responsible productive solutions.

I mentioned to my friend the issue of requiring some level of health insurance to qualify to establishing an HSA; health savings account.

He is well insured through his work, yet opened into a rant against the policy. “When your kid is born you can set up an IRA for his education, you can set up IRA’s for almost anything but the government wont let you set up an HSA without buying health insurance…..”

What did Paul Ryan mean by the extension of HSA’s? Does his plan come anywhere near to the excellent plan envisioned by Ben Carson, a man embedded in the healthcare system until recently? A plan where everyone can invest freely in an HSA, funds transferrable among family members, where the family becomes their own healthcare insurance policy has captured the hearts and minds of the people of this nation.

And what of removing those lines around the states? When Paul Ryan mentions farmer’s and construction worker’s guild’s policies crossing the lines, are the changes he is referring to for only some professions and not others?

Who knows. One thing is certain, the American people have no reason to trust their politicians.

Most essential to healthcare reform is the establishment of a system that competes with health insurance providers.

Let us say we allow children to stay on their parents policy until 26. A couple’s child is 22. He has an HSA established from when he was born. His parents come to him and say, “Hey, we are paying $500 a month to keep you on our policy. How about we give you $300 a month for your HSA and we take you off the policy. Your HSA is already pretty large and you’re young…”

So $500 a month leaves the health insurance industrial complex and $300 more is set aside to empower the healthcare purchaser. The parent’s are getting a deal as, if the funds are transferrable between family members, there is in some scenario more money for their healthcare needs.

In fact, family HSA’s may become so large (due to length of investment and/or sudden death) that, if a person begins investing responsibly when young, a family may see no need for health insurance at all. When marrying and having children it may be wise to seek a stable job that provides insurance but otherwise it would be unnecessary. Then when one retires they can tap their HSA for Medicare supplemental policies. Or will Medicare even be necessary?

Life Insurance may also be a backup for one’s HSA as it can be tapped by the terminally ill to help with healthcare costs. With a substantial HSA and a good sized Life Insurance policy, many may see no need for health insurance.

These scenarios bring competition, market forces not only in the market for services, bringing costs down, but straight up against the healthcare insurance providers. The problem with healthcare is that it has become an incestuous cabal of healthcare providers, health insurance companies and government. These institutions are concerned only with their own profits and stature, and the people have been forgotten.

These and the following example below will bring the health insurance lobbyists to lobby for a better product because they are competing with people providing for themselves. Now let me tell you what I, as a common man, envision in regards to removing the lines around the states.

No lines. Now, let us say a church, which has limited members (needing health insurance) state by state, but has large numbers nation wide, sets up their own insurance company, much like our teachers did here in Wisconsin.

A member under their Church’s health insurance becomes sick. They pay their bills in cash, receiving the cash discount, because they submit their bills directly to their insurer, not through their healthcare provider. The insurer need only confirm that previous bills were paid before paying out for further bills.

The insurer being the Church, there are ministers and elders familiar with the congregation who know if the member is truly sick. In this way fraud is reduced. Those ensuring no fraud is being committed are not technically under the payroll of the insurer; their Church’s company. Yet another savings found in man’s ability to care for his fellow man without being told or forced to by law.

Now, if the policy is lacking, unable to cover all costs for the Church member, there is a built in crowd funding community to fill in for the costs of being severely ill.

But I do not know if anything I have described here is possible under the proposed replacement bill, which is promised to be passed after we pass the bill to take care of the health insurance companies. Is it any wonder that I and most Americans do not trust the government?

We, and the Freedom Caucus if I may speak for them, believe that putting off these changes, HSA’s and removing the lines as President Trump puts it, until later translates into putting them off forever.

President Trump is a business man. He can relate with businessmen in the insurance industry and understand their positions. But does he truly understand what has been perpetrated against the people by the health insurance industrial complex? How differently would these businessmen present their case to President Trump if the people had options other than health insurance to provide for their

The promise of removing the lines around the states and the ability to freely establish HSA’s are a very big issue among the people. They should be addressed first. If so the insurance company lobbyists will rush in with multiple ways to reform the health insurance system; reforms that will benefit the people.

It is just how I see it.

Thursday, January 19, 2017

Obamacare; The Repeal Reveal

Paul Ryan and the Republican Congress tell us that they have a plan already written to replace Obamacare.

What were the Republicans planning before the Presidential elections? Did they believe Donald Trump would win the election? I do not think so.

So, what was their plan? What were they going to do to rescue, to free, the people of this nation from this tyranny?

I refuse to participate in Obamacare. I refuse to pay the fine. I believe it to be un-Constitutional no matter what Chief Justice Robbing Roberts claims. I find solace and strengthened conviction in greater minds who believe as I.

After the Obamacare case before the Supreme Court was lost, what was the Republican plan to save the people from Obamacare?

After receiving more than one notice from the IRS for my affordable care act contribution I called a low cost legal service which I have with a simple question. “Are there any class action suits against Obamacare that I can join into?”

The answer was no. I heard nothing among the national talk show hosts or media of any such actions. I was under the impression that a tax could not be challenged until people were subject to that tax and could demonstrate its un-Constitutionality. Chief Justice Robbing Roberts did claim it was a tax, did he not.

What was your plan Republican leaders if Hillary Clinton would have won? You hold a large majority among state governments. Were you going to organize the states against the federal government? It was what I was hoping for. I could imagine no other way out of this tyranny if Clinton had won. Yet I heard no such language from either Republicans or Conservatives.

Our country has been suffering subversion for far too long. Subversion guided by an ideology that has failed in all things, but in the attainment of absolute power for those in government.

There was a scene I watched on the History Channel’s show “Vikings.” A King in Britain was teaching a young protégé. He invited the young boy to share wine with him. One goblet, then another, then another, though the boy protested all the while. Finally the boy threw up his wine. The King told the boy he should never let anyone else tell him what to think or do. That he should have his own thoughts and convictions and stick with them.

The King poured out his goblet. “See”, he said “All this time I was drinking water.”

One of the oldest stories in the world. The democrats have only one interest in their minds; their own, power for power’s sake. They are un-American in thought and intent. They are atheistic God deniers and haters and correspondingly they hate the United States and all it has stood for. And they have been drinking the Republicans under the table.

Yet our Republican leadership will not stand against them. Reaching across the aisle is so all important to the Republicans. This is neither the high road, as you turn a blind eye to the citizen’s suffering, nor leadership. There is no leadership in consensus. There is no success or prosperity in consensus. Only clear single minded leadership and honest debate among virtuous individuals has lead nations and the world forward.

Perhaps Jesus should have come to a consensus with the devil when he was tempted. In that sense, if you consider the Republican party the only hope to save this nation, you may call the media the devil; a temptress.

The democrats day by day show themselves more incapable, more morally bankrupt, more impotent and more in denial of everything that is good: God, family and our nation as it was founded. The only greater fools are those who would lend the democrats any validity.

Do the democrats need to erect a temple and start making human sacrifices before Republican leadership finally makes a stand against them? Some would say their temple is the Supreme Court and abortion the demanded sacrifice.

Obamacare needs to be repealed completely. The biggest obstacle in the eyes of our politicians in replacing Obamacare is the bureaucracy created by Obamacare in government and the medical field. You, our representatives, are in office to adhere to the will of the people, the majority, not that of government.

It is essential for the future of freedom and this nation that Obamacare be repealed completely.
The few benefits Obamacare creates, such as coverage for people with pre-existing conditions, can fit on three pages. Reforms, such as removing the lines around the states and tort reform, that will bring costs down significantly can fit on a few more pages. Obamacare is some 2,700 pages. That is more than twice as many pages as my Bible.

Turn the exchanges into a claims office and ensure coverage for all those on the exchanges who cannot find or afford better plans. Over the course of a year many of them will find better plans. Then take what is left and evaluate the real problem.
Basically, except for those who truly cannot afford insurance, the government should stay out of healthcare. Free market forces need to be unrestricted among all who can afford their own healthcare to keep costs down.

One of the few statements I have made on this blog which I find most profound (I pat myself on the back) is that; “When medical insurance becomes prepaid medical, single payer will be the natural outcome.” Just as welfare was reformed to make it more profitable for people to look for ways off the dole, catastrophic policies need to be promoted over more all encompassing policies among the young and all those of working age.

HSA’s with no insurance coverage requirement is essential. I have advocated for it on many occasions. Incentives, aimed at young people in particular, to invest will put aside much of this nations wealth for healthcare, reducing strains on the system and supporting free market forces.

Ben Carson’s vision of the extended family able to share their Health Savings Accounts as a type of family insurance policy has benefits beyond the obvious. Tracking the size of HSA’s can provide an unobtrusive way to track health problems. The accounts being transferable to family members and inheritable will reveal lineages with strong gene lines, or that suffer sudden death, if the accounts grow to be very large. Or reveal chronic disease among certain gene lines or socioeconomic groups if small or in need of constant assistance.

The Republican leadership should not fool themselves, believing the people will be satisfied with business as usual. They should not believe we the people will fall for just any replacement of Obamacare. We the people are watching very closely. We have been watching with disapproval for a long time.