THOUGHTS,
RAMBLINGS and OBSERVATIONS
by
Albert
D. McCallum
Calling
a dog a cat doesn't change the dog. Calling a wealth redistribution
scheme insurance doesn't change the scheme one bit. Calling the
foundation of Obama care “insurance exchanges” doesn't convert
the product they are selling into insurance. The only exchange is
exchanging what is left of real medical insurance for a government
wealth redistribution scheme,
Real
insurance is a device for the sharing of risks. Suppose that
statistics show that 10 people in a group of 1,000 will die within
one year. No one knows which 10. If each of the 1,000 pays $100
into a pool, the beneficiaries designated by each of the 10 deceased
can receive $10,000.
If
it was known in advance which ones would die insurance would be
impossible. Only the ones who were going to die would buy the
insurance.
The
essence of Obama care is to coerce young, healthy people to pay far
more than real insurance would cost in a free market. That money
will be used to pay overhead and medical benefit to the unhealthy,
mostly older, individuals. This is just one more scheme to force
young workers trying to raise families to give money to the oldest,
and wealthiest, generation.
Forcing
insurance companies to cover preexisting conditions isn't insurance
either. There isn't an unknown risk to spread among people who will
never suffer the loss.
How
would fire insurance work if the owner could wait until the fire
started to buy insurance? It is impossible to insure against a 100
percent certain risk. Obama care doesn't provide insurance for
preexisting conditions. It forces someone else to pay for the
conditions.
Another
scam is forcing every policy to cover what the politicians want
covered instead of what the insured wants covered. Forcing the
insured to have unwanted coverage also forces the insured to pay for
the coverage. The added bells and whistles may cost so much that
seeker of insurance won't be able to buy any “insurance.”
The
political success of Obama care depends on convincing the majority of
voters that someone else is paying for the coverage. Then it doesn't
matter how mad those forced to pay may be.
If
young, healthy people refuse to sign up, Obama care will crash and
burn with a deficit that will make the city of Detroit and the US
Postal Service look prosperous.
I
suspect that Obama care was designed to fail. Then blame private
insurance for the government's failure. Politicians will play this
into an excuse for forcing everyone into a government run and
rationed system where individuals have no voice in the treatment they
receive. This is what government has wanted from day one.
Remember
the golden rule, he who has the gold makes the rules, even if he
stole the gold. The rationing that has already begun will grow
slowly at first each time the government starts running out of other
people's money.
Based
on what is happening now, both here and in other countries, smokers,
obese and the elderly will be among the first to be told to go home,
suffer and die. It is impossible to provide all the medical
treatment and tests that individuals would demand if they didn't have
to pay anything.
Thus,
rationing is inevitable. As the waste and inefficiency inevitably
grows, so will the rationing. Obama care isn't about providing
affordable medical insurance. It is about ending medical insurance
and individual choice in medical treatment.
The
politicians and bureaucrats want to control every dollar and every
aspect of everyone's life. For them Obama care is a dream come true.
Obama care is “from each according to his ability, to each
according to his need.” In other words, Obama ripped a page out of
Karl Marx's play book.
aldmccallum@gmail.com
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Copyright 2013
Albert D. McCallum
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