Health Insurance Benefits? ObamaCare Effectively Outlaws True Health Insurance
Committee Chairman of Libertarian National, Mark Hinkle shared his personal insights this week on the issues surrounding the current administration’s health care management. Hinkle pointed out that “If we want better health insurance for all, why are we making it illegal?”
“Insurance, if you think about it, should exist to protect you against catastrophic expenditures. For example, car insurance doesn’t cover the cost of gas and oil, as it would be outrageously expensive due to the incentive for increased driving. Similarly, health insurance should not cover ordinary and predictable costs, yet remains outrageously expensive because it does,” Hinkle stated. “ObamaCare, known in Massachusetts as RomneyCare, effectively outlaws true health insurance.”
Based on his judgment, he believes that it isn’t fair for consumers to buy overpriced insurance covering predictable costs. Hinkle also stressed the relationship of the American health insurance to employment as a result of “of a system that taxes cash wages but not health benefits”. He also mentioned the mandatory coverage rate in every state as well as some state regulations that drives the insurance rates to surge higher almost annually.
“”The result is this: if you want inexpensive health insurance, but don’t want coverage for alcoholism, weight loss programs and baldness treatments, and would prefer a deductible based on your personal finances: TOUGH. Even if you’re not stuck with your employer’s choices, the type of individually tailored coverage you want is illegal.”
As a solution, Hinkle suggests that we need to “decriminalize” good health insurance. By this he means eliminating mandatory coverage, the laws against purchasing health insurance across state lines, and the unfavorable tax treatment of personal insurance policies.
Finally, Hinkle gave the following words regarding Obama’s pursuit for free contraceptives for the employees (an issue he believes is far less fundamental than the issue of health insurance):
“Women shouldn’t need a permission slip from their doctor to have safe sex. Removing the prescription requirement would massively reduce the cost of contraceptives, making it far more affordable. In turn, this would ease the burden on groups such as Planned Parenthood that have long provided free contraceptives to those in need.”
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