Three Points To Remember
January 25, 2010
The agenda presented by the pro-Insurance Industry comprises of three main points that are presented to the public as the magic bullets which will save the health care industry and help the consumer. The three points are: tort reform, cross border insurance, and tax credits. None of these are designed to help us–the tax payer consumers.
lowers doctors insurance bills, lowers pay outs by insurance companies, but not insurance premiums for people. The CBO and independent research has found tort issues are unfounded. Tort reform penalizes victims, and doesn’t do anything about the 98,000 people who die in hospitals each year as a result of preventable medical errors, costing the health care system $29 billion in excess costs. The dirty secret: Much of what can be identified as “defensive medicine” is motivated not by liability concerns but by the desire to generate more income.
Allowing residents to buy health insurance across state lines:It removes basic state mandated coverage, services states have found to be life saving and humane. Secondly, cheaper a-la-cart plans puts the patient at risk by excluding too many basic services, putting limits on treatments, even after paying monthly premiums, and hides those exclusions in small print legalise designed to be ambiguous in court challenges.
Granting tax credits for people who purchase health insurance on their own. The tax credits aren’t indexed for inflation, are only a small part (a third or quarter) of the total premium and still “spreads the wealth” using other peoples money to pay for health insurance.