Health Insurance Is No Longer Legal In America
In one more touch of clownish dishonesty, Healthcare.gov refers to itself as “The Marketplace.” That is like calling a book-burning bonfire ‘The Library’. A marketplace is a place where traders buy and sell by mutual consent, not a place where sellers are forced to sell to anyone at a dictated price. Healthcare.gov is the coercive replacement for the marketplace that is no longer legal.
Except it's a bank you are forced to put money into and other people get to withdraw your funds whenever and for however much $ they want. Also if your account is over-drafted (which of course you have no control over), you are responsible for all penalties and fees and the balance of the account. Any remaining account balance may not be resolved via bankruptcy or death. In the case you cannot pay for your debt, you and your progeny will become a subject of the Corporation of the USSA which will become your permanent employer for the period of your indentured servitude (forever, AKA Slavery). All wages are subject to forfeiture in order to satisfy the aforementioned debt until the debt has been paid in full (interest and inflation may apply...forever).
I do think the key key is to drive healthcare to a free market. If you gave someone $45K for a heart surgery, and let the shop around for doctors, they might find one that will do it for $40K and others that will charge $60K. Same for a broken arm, etc. The key to to establish a free market with individual choice.
The problem we have now is unions of doctors and hospitals negotiating collectively with insurance companies for who covers what for what and who can go where. The market was managed, and further management will not fix the cost.
The more that people demand "insurance" to cover more and more common costs, under the compulsion of law, the less it is possible to charge premiums that are to anyone's advantage. The result is that it is only possible for what is left of the insurance companies to charge more than the insured would otherwise pay for the costs themselves. That is when the companies become "middle men", but it is no longer insurance, only another expensive inefficiency created by government compulsion. The cost of your insurance needs is covered by bloated expenses for everything else, but you have no choice and have to make the best deal you can to remain insured for genuinely less common catastrophic losses.
The scam is driven by collectivism demanding that everyone's needs be paid for by everyone. There is no possibility of a market for such a scheme, resulting in progressively increasing government monopoly takeover to enforce the redistribution, along with bureaucratic incompetence, decrees, rationing and ever higher costs for less results which always results from statism and collectivism. That is much worse than a "middle man".
Of course, part of expense-sharing means accepting counseling, when necessary, on how to diminish one's health risks. What insurer bothers to offer that kind of advice?
Hillary had this answer to an insurance agent worried that Hillary's bill would abolish her job:
"You're young. You're bright. You'll find something else."
Obamacare did not fail. Obamacare was intended to wreck the private health care industry while entrenching as many collectivist premises and as much statist authority as was possible to slip into thousands of pages, This is why they were so willing to make any political deals and payoffs they had to, with reckless abandon for what could possibly "work", in order to slam the whole mess into law. They intended to create destruction that would later have to be "fixed". They expected that there would be such a mess that people would beg the government to step in and take over to save them from Evil Insurance Companies and Greedy Doctors.
The Republican politicians are predictably now clamoring to "fix" it, still wallowing in altruist guilt as they loudly endorse contradictions like "insurance" for "pre-existing conditions". Much of the public is still also trying to have it both ways, wanting to be taken care of and feeling guilty for others needs while still not willing to overtly destroy their own health care in sacrifice. And so the ideological agenda of egalitarian nihilism continues and health care continues to be wrecked in the usual Republican strategy of "me too but slower".
are ruining our language on purpose, and ridiculing
us in the process!!! -- j