The debate in the US Senate is not about health care. What was passed last month in the US House was not about health care. Even the Affordable Health Care Act, commonly called ObamaCare was not about health care either.
None of these bills or laws have to do with health care. They are all about health insurance. And there is a huge difference between health care and health insurance. The terms cannot be used interchangeably.
Neither ObamaCare or TrumpCare are good for the American people, the economy, or even the insurance industry. Both are only about health insurance reform disguised as health care and falsely labeled as such. It is a discredit to the American people to claim either of these acts as health care. And both really don’t address the health insurance situation correctly.
To seriously address health insurance reform the insurance companies need to operate in a completely free market. Congress needs to end the patch work of laws across the several States as they now exist. Allowing insurance companies to operate across those state lines.
This will open up the available pools for both the corporate and individual health insurance markets. Thus driving premiums down and services will increase as competition grows. It is a win-win for all parties concerned and it is also the American way of doing business.
Congress also would need to address the stranglehold of regulations that plague the insurance industry as well. Some regulations are of course necessary to protect the consumer as well as the issuing company. But there shouldn’t be any more than what is necessary. This too will allow insurance rates to decline as the insurance companies can devote such resources out of government compliance departments and into services offered.
I will make note that preexisting conditions needs to be discussed in the health insurance reform. However, providing for preexisting conditions is not insurance. It is welfare. And people should be covered with preexisting conditions. If one has a preexisting health condition and no laps of coverage in their insurance it should be simply covered by insurance. If there has been a laps of coverage then it becomes a welfare issue.
With health insurance, there should be no mandate necessary with the operation of allowing insurance companies to cross state lines. There is no need for subsidies or penalties. And there is no reason to have coverage for something one would never use … like birth control by men or prostate exams for women. Forcing these coverage’s is truly a sign the situation is out of control.
Once this becomes law and health insurance reform has taken effect and is working. Then Congress will need to address health care reform. But would need to get input from patients and the medical practitioners as well.