Where is the common good in foisting an indifferent, insensate,
behemoth of government on a hard-working peoples? It's
unconscionable.
Are you referring to corporate insurers? How could the federal
government be any more insensitive and unconsionable than corporations
who find ways to deny coverage and kick people off their roles who are
higher risk?
The public option is the only thing that's going to force these
assholes to behave more like decent citizens.
A public option, as it is currently framed in the conversation, will
invariably drive private insurer's out of the market. "Corporate
insurers" currently compete against each other for your business, and
the marketplace is replete with providers that compete with each
other. The contention that a public option will keep providers honest
is itself a dishonesty. Insurers have to keep premiums as low as
possible in the free market if they are to remain viable. And if
providers are required to carry all applicants without consideration
of medical history, most providers would not be able to remain viable.
Too, there are organizations that provide various forms of
indemnification for the uninsurable. But, as in all insurances,
higher premiums are required. And all states have policy renewal and
cancellation regulations. Health insurers are subject to oversight
and state regulation. And the states generally shape their
legislation and regulations to conform to the recommendations of the
NAIC. Likewise, the standard for pre-x, or pre-existing conditions is
that any condition that could have been reasonably diagnosed by a
physician 12 months prior to the activation date of the policy is not
covered for 12 months following that date. Too, most insurers for an
array of conditions, will attach riders to policies that will exclude
coverage for those conditions for approximately 2 years after which
those conditions will be covered.
If a public option is approved and installed, necessarily and
ultimately most citizens will have to subordinate themselves to that
option. And the the insidious, unassailable truth of this is that
without the competition of the free market to keep it streamlined,
efficient, and honest, the public option will inexorably provide
mediocre health care, and that on a good day.
Why is it that so few can think this through?
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