Monday, September 30, 2013

common sense 101 vs. convolution 99.9

The health care system in the United States had been broken and bleeding money for a long time.  The Affordable Care Act makes an attempt to change that scenario. 

On June 28th of last year the U.S Supreme Court upheld the Affordable Care Act’s provision that individuals may pay a penalty for not obtaining health insurance, as that may be reasonably characterized as a tax.

The only way to get a different result is to make a change.  Granted, the new system with insurance exchanges will likely not solve all the issues.  It will likely make insurance much more affordable and accessible for many people though.

People with health insurance don’t wait as long to see doctors and so get care when conditions are preventable, more treatable and less costly. 

People without health coverage wait longer to see doctors and so get care when conditions are advanced, less treatable and more costly.  And who picks up those increased costs? 

Well…there is no free ride…on anything.  Uninsured people in any system do not get free health care.  The costs are simply spread among everyone by the way of higher fees, higher premiums and an erosion of benefits.

Insurance 101 means gathering as large a pool of people as you can in order to collect the lowest premiums possible to be able to cover the anticipated claims of the community.  Having more people in the pool is better.  Except regarding adverse selection, and this can be avoided if younger and generally healthier people are incorporated.

But instead of trying to work from simplicity and common sense there are too many people trying to add complexity and nonsense into the equation.

If the Affordable Care Act were to fail, that’s okay.  Another change can begin. 

Doing nothing….well that’s a failure from the get go.

© 2013 Christopher’s Views


  1. You have said it very well, Christopher, and I do SO agree with you! As an "OLD" broad, I do try to stay healthy and have been successful so far, hopefully, I can continue! I don't want my kids to have to take care of me! Always good to see your post, Christopher! Hope things are going well for you and your family. Take care.


  2. so true on the doing i have any answers, not really...i am pretty sick of the threat to shut down the govt to defeat anything the other side does...i hope they shut down...lets start by laying off politicians, not the govt workers...

  3. You're right. Something must be done.

  4. this morning Rosanna Scotto from channel 5 news said something like, let Congress's salary be on the line until they come up with a solution -sounds like a plan to me. & what time did congress convene today, 2pm? sometimes I think the only reason the two parties are so divided is to keep the public preoccupied with stupid crap so we won't remember that they are supposed to be working for us!

    When I think of the millions of people who do not have basic medical care and how that inevitably affects all of us, it just boggles my mind that some of us don't want something as essential as good health care for everyone. We have to start somewhere.

  5. Government in the United States has been broken and bleeding money for a long time...

  6. As far as I know, government is still shut down as of this moment.

    Unbelievable. The richest nation in the world can’t decide on something as basic as healthcare.
    It boggles the mind.

    It certainly won’t help the economy either, neither in the US nor world wide.

  7. Things are very much the same here...we all so desperately need a positive shake-up at the governmental level.
    If only...

  8. Absolutely. In my book, the ACA doesn't go far enough, but it's a start in the right direction.

  9. It's heartbreaking that they can't see the forest for the trees. Making complex what would be simple and reasonable...which is really my definition of government anyhow.