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Posts Tagged ‘health care reform’

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Unconstitutional Health Care Reform

Friday, July 16th, 2010

On September 23, 2010, there will be another round of health insurance issues through the newly mandated, The Patient Protection and Affordable Care Act, which will unleash a few more of the new laws, rules, and regulations for, we the people to become accustomed. A few of the new health insurance laws going into effect are:

  1. Dependent children may remain on parent’s health insurance policy until age twenty-six
  2. Heath insurance providers may not discriminate against pre-existing health care conditions for anyone under the age of nineteen
  3. Health insurance providers are forbidden from charging co-payments or deductibles for Level A or Level B preventive health care and medical screening on all new health insurance plans

Keep the health insurance in mind, understand that Article 1, Section VIII, opening paragraph of the Constitution of the United States of America states very clearly the following fact.

“The Congress shall have Power to lay and collect Taxes, Duties,
Imposts, and Excises, to pay the Debts and provide for the common
Defense and general Welfare of the United States; but all Duties,
Imposts, and Excises shall be uniform throughout the United States”

The key words are “uniform throughout” and it is this simple phrase that constitutes the new health insurance bill unconstitutional. The other valid argument is simply that although federal law trumps state laws, it was the states that ceded certain powers to establish the federal government. The government did not establish the states, the reason why each state has its own seat of government with the exception of the state of Texas, which was its own country from 1836 to 1845 before joining the Union. The Tenth Amendment states the following:

“The powers not delegated to the United States by the Constitution,
nor prohibited by it to the States, are reserved to the States respectively,
or to the people.”

This is why in the current health insurance battle there are twenty-one states Attorneys General filing suit against the federal government because the federal government cannot mandate health insurance as a requirement of citizenship. The twenty-one state lawsuit against the federal government respectively states the favoritism. They are using such examples as the “Louisiana Purchase” and the “Corn Husker Kickback” as examples though there are more.

It is true that the United States is facing health care crises because the current road we are on is absolutely unsustainable. To date there is more money being disbursed than there is income.

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Shaky Health Insurance

Friday, May 7th, 2010

The health care industry is in major turmoil, but it has been for a few decades. It is only now that the insurance industry has risen to the top and is the focus of attention, but why? They surely have been struggling for a long time, yet they have all been able to manage and get through until now. However, think about all those individuals with health insurance who have had their jobs snuffed out from under them because of the current economy.

Unfortunately, this struggle has escalated over the last ten to twelve years because the local economies and the national economy has not picked up. As more individuals continue to have, their jobs cut back or eliminated altogether, this in turn shrinks the pool of health insurance participants causing the entire health industry to pay out more than what they are taking in through annual premiums.

Now the insurance providers and the individuals who can no longer pay into their health insurance policies are at a crossroad. Insurance companies have increased their annual health care policies to compensate for the years of losses and the individuals are gracefully bowing out leaving the entire country in a dilemma of a downward spiral until a remedy is found. A few of the ideas that are coming to the surface to aid an industry that is failing are:

1.    Choose reputable companies to conduct business

2.    Read your health insurance policy and ask questions

3.    Research for a health plan that has a large network of individuals and medical staff working together

4.    Research the possibility of a higher deductible to lower the average monthly cost for health insurance

The larger part of the difficulty is to have more individuals buy into the insurance program in order to sustain the current standard of health care for all individuals. There will always be a portion of the population that is not privileged to health care, but the mass majority will have access in one form or another.

A portion of the population will gain access through gainful employment.  This has been going on since before the last big war. There are others in the populations that will find aid and comfort through their particular states health insurance plan. The final group of individuals is the young within any community who will forfeit any type of affordable health insurance until they are employed and have a better footing in their future.

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