Why do Health Insurance Rates Keep Rising?
The answer is simple! GOVERNMENT MANDATES WHAT MUST BE COVERED…
True! Right now it is the government of each state which creates these mandates, but Obama and the Democrats want to have the FEDERAL GOVERNMENT MANDATE WHAT INSURANCE COMPANIES MUST PROVIDE!
In California, for instance, no Health Insurance can be sold in that state which doesn’t include coverage for things like acupunture and prenatal care (even for individuals who may not intend to have children). I wouldn’t be surprized that medical and psychological costs associated with an individual’s choice to change his or her gender, is also mandated in a state like California! If so, just like expensive things like cancer treatment, such costs are asorbed by the entire group of everyone who buys a policy!
TORT REFORM is a necessary part of any Healthcare reform, since lawsuits often result in settelements which require Health Insurance Companies to provide certain coverage for such things as I mentioned above!
PURCHASING ACCROSS STATE LINES would require that states (like New York and California) recognize an individual’s right to buy a policy which provides only the coverage for the Health Risks he/she is not willing to assume as their own!
What do you think? Are the State Governments correct in continuing to raise the bar for the mandatory coverage for consumers, which must be absorbed by all? OR DOES THE UNINTENDED CONSEQUENCES OF OUT OF CONTROL PREMIUMS OFFSET THE BENEFIT???