I have finally grown weary of reading, and listening to people telling me how much better off I will be if every American, including myself, begins to pay their health care insurance premiums with a smile on their face to some insurance company that will offer the benefits of the Affordable Care Program. If they chose not to pay the premiums, they will be fined when it comes time to fill our their tax forms.
Well, as an insurance employee for 25 years, I don't buy it. I can tell you one thing for sure, and that is, insurance companies will not do something for nothing. My understanding of the Affordable Care Act, is that every American will be paying a premium to an insurance company for their coverage. I could stop my argument right there by saying that at the present time, every American who is not paying premiums to the insurance industry is doing so due to the fact the premiums charged by the HMO'S and other carriers are just too high.
Over the years, the best weapon than an insurance company has ever had, and they have utilized that weapon very well, is fear of the unknown. What if a fire occurs, what if your are robbed, or become ill and cannot work? That fear is what drives people to purchase coverage, and sometimes pay thousands of dollars every year to the insurance industry before they ever have a chance to collect on a claim, and then when they do, they are charged with a deductible even before beginning the claims process.
The best example of the profit centered motivations of the insurance industry is taken from the New York Times article entitled, The Caucus by Nicholas Confessore and Jo Craven McGinty, dated October 25, 2012, stating that President Obama and the Democrats received a total of $1.06 billion from the insurance industry and Mitt Romney received an estimated $954 billion. Whoever would have won that election, which of course Mr. Obama ultimately did has promises to keep.
To put it bluntly, we have been hood-winked as my Grandfather use to say. As soon as the Affordable Care Act is set fully in motion, the premiums which we are told will be affordable will be raised to meet the skyrocketing cost of health care which will translate to the skyrocketing desire for more profits by the insurance industry.
A true subsidized insurance program would have us going to see the doctor of our choice, and the bill would be sent to a department of the federal government, that bill would not go to the insurance company to be evaluated and used against us to promote higher ;premiums in the future.
It is the people being represented by their elected officials that should control the cost, and not the other way around.