Posted by
David Hudson on Sunday, January 17, 2010 4:19:35 PM
Obama Picks a Fight with the GOP for "Defending the Status Quo"
President Obama threw down the gauntlet at the feet of the GOP during his speech at the House Democratic Caucus Retreat last Thursday.
And for those of you who are concerned about the deficit, when you've got the Congressional Budget Office that says in the second 10 years this brings down the deficit by a trillion dollars, in the first 10 years it brings it down by over $100 billion, you have nothing to apologize for when it comes to talking about deficit reduction. The irresponsible thing would have been to do nothing, and that's not what you've decided to do. This represents the biggest step towards deficit reduction in years.
So, I know everybody in the media is all in a tizzy -- "Oh, what's this going to mean politically?" Well, let me tell you something. If Republicans want to campaign against what we've done by standing up for the status quo and for insurance companies over American families and businesses, that is a fight I want to have. If their best idea is to return to the bad policies and the bad ideas of yesterday, they are going to lose that argument. What are they going to say? "Well, you know, the old system really worked well; let's go back to the way it was"?
Dem’s fightin’ words.
To paraphrase an old saying, Obama should be careful what he wishes for… he may get it. He’s left himself so wide open, that any good conservative Republican now has the opportunity to not only pick up the gauntlet, but beat him silly with it.
Contrary to what the Obama administration and the mainstream media would have you believe, Republicans have not been advocating that we should “go back to the way it was” or “just do nothing”. Conservative Republicans believe in healthcare reform as much as he does… they just don’t want the government so heavily involved in it.
There have been several amendments to the health care bill that were introduced by the Republicans, though most have been given little, if any, attention by the mainstream media. Here are a few that I remember from the top of my head:
Eliminating the restriction that you may only purchase health insurance in your state of residence:
This is probably one of the options you may have actually heard of. John McCain mentioned this a few times during his campaign.
The Obama administration has continuously claimed their “public health care” option (aka, government health care) would increase “choice and competition”. What they didn’t tell you was that over time, you would have no choices, as the government system would eventually put the private companies out of business. After all, who doesn’t like free health care (as long as someone else is paying for it?)
A more effective way to increase competition would be to allow citizens to purchase their insurance from companies outside of their state of residence. Now potential customers have dozens of choices, rather than just a few. More companies will be fighting to attract customers, due to the increased competition. Companies will drop their prices. They have to… they won’t have much of a choice but to devise new ways of doing business to lower their rates, or risk going under. Capitalism at work.
Eliminating mandates that require you to purchase specific services with your health insurance that you will not actually need:
Have you ever had to purchase a health care plan that included services that you’ll never want, need or even really have anything to do with healthcare?
For example, I heard an interesting story that in the state of Connecticut, some insurance plans cover hair transplants. What if you really don’t care if you lose your hair? Baldness seems to be the new fad anyway. Should you really have to pay for that coverage?
Other examples are treatments for smoking, alcohol or drug abuse. I don’t do any of those things, so it’s unlikely I’ll need treatment for them. Why should I have to pay extra for these services if I’ll never need them?
On a slightly un-related note, my property insurance includes coverage for damage due to ice, snow or sleet. It also includes coverage for volcanic eruptions.
I live in the state of Florida. Volcanic eruptions? Really?
Bottom line… customers should have the option to reduce the cost of their insurance by removing coverage plans that they don’t feel they actually need.
Tort Reform:
You may have heard of this one at some time as well. So what is Tort Reform?
In a nutshell, Tort Reform places greater restrictions on how much a doctor can be sued by a patient. You may have heard stories of a patient suffering some type of malpractice or botched treatment that would cost him thousands of dollars to treat or fix. However, rather than the doctor (or hospital) paying thousands for correcting the treatment, he is successfully sued for millions of dollars.
This isn’t counting all the numerous frivolous lawsuits that doctors face from unscrupulous patients and lawyers on top of that.
To protect themselves against the threat of lawsuits like this, doctors need to purchase liability insurance of their own, which can cost them hundreds of thousands of dollars per year. Add the extra costs for doctors who are still paying for their college and medical training, as well as overhead expenses, and you can begin to understand why the bill is so high.
Some doctors and nurses, even after having spent thousands to learn their craft, end up leaving the medical field altogether, as they’re just not able to keep up with their expenses. Tort Reform would help lower these expenses, at least against the need for liability insurance.
Allowing tax write offs for doctors on medical expenses for patients unable to pay:
This is pretty self explanatory. By law, hospitals and doctors cannot, and will not, turn away patients simply because they are unable to pay for emergency treatment or do not have insurance (so much for the “they’ll just let you bleed to death in the street” argument). There are even signs posted all over the emergency room that state this.
This treatment comes at a substantial loss for the doctor, who must replace equipment or supplies that he needs for future patients. Allowing doctors to write off these expenses on their taxes would be another step in lowering your bill, as they won’t need to charge extra to help cover the needed supplies.
Allow employees to keep health insurance that they purchased from their place of employment:
It’s simple, really. Rather than depending on your place of employment for your health insurance, if you purchase it at your company… then that insurance plan is yours. You can take it with you wherever you go; even if you lose your job or simply change jobs. This way you don’t need to worry about losing a plan that you like, and being forced to change to a more expensive plan at your new place of employment, or worse, having to resort to COBRA in the event that you lose your job.
Allow private citizens to write off their insurance expenses on their taxes:
Here’s an interesting tidbit of information… did you know that employers are allowed to write off their taxes the expenses for the insurance that they provide for their employees?
So why shouldn’t employees, or any private citizen, be allowed to do that with their own health insurance plans as well? Just imagine how much money you could save in the long run. It would certainly be more of an incentive to purchase insurance on your own, rather than the government forcing you to pay taxes for not having it… something that the Democrats have been pushing for (some people have argued that this is actually unconstitutional, as there is no amendment that states that as an American citizen, you can be forced by the federal government to pay fees for a service that you have not purchased).
Expanded Tax-free Health Savings Accounts:
First established in 2003, these are somewhat similar to what Social Security was originally meant to be… a tax-free account that is intended for you to invest money in for the purpose of being able to use it to cover your expenses in your later years.
However, the money that is taxed out of your paycheck for Social Security, contrary to popular belief, does not go into a private account that only you can access; it’s placed in the general fund.
It wasn’t always like that. Once upon a time, the money was truly meant to only to support retirees, but somewhere along the way, politicians decided that they really, really needed those untouched billions of dollars that were stored away by American citizens (whether they wanted to or not), so they wrote new laws that allowed them to dip their hands in the public cookie jar for their own uses. Now Social Security is going bankrupt (if it isn’t already) and is filled with IOU’s.
Health Savings Accounts are the partial answer to this. While not intended to serve all of your needs, they are designed to help cover your healthcare costs. This places the customer in charge of taking care of his own health care expenses. While this may seem daunting, and some would argue that they would rather have someone else take care of their healthcare for them (like the government), remember the old saying… he who pays the bills, makes the rules.
Remember, HSA’s are tax free, and only you invest money into it, unlike Social Security, which revolves more around “everyone put their money in a pot” strategy (not to mention you are forced to put money in the pot). Therefore, only you are allowed to take money out of it (I should note that while they are tax-free, you will get penalized and taxed if you withdraw the money for non-medical purposes before the age of 65). Since the money is in a private account, politicians aren’t allowed to dip their grubby paws in it either.
Not that they may not try to anyway. They’ve tried something similar to that during the Clinton years, with private retirement plans. If the House and Senate had not been taken over by the Republicans, they may very well have succeeded.
The president of Argentina, Cristina Fernandez de Kirchner, actually did pull this stunt, so nothing is impossible.
H.R.3400 – Empowering Patients First Act:
This bill was introduced by the Republicans back in July 2009. You can read it for yourself by clicking the highlighted link above, or the link under the “Links” section of this article.
I won’t even pretend that I understand everything in this bill, or that you’ll even agree with all of it. The reason I’m pointing this out is due to the numerous accusations by the Democrats and the Obama administration that the Republicans “never do anything except say no”, and have “introduced no plans of their own”.
Of course, this bill is never mentioned in the mainstream media, so it’s no surprise that the general public buys into that claim.
So… what do all these amendments and ideas have in common?
All of them were introduced by the Republicans.
The mainstream media has given little, if any, mention of them.
Not one of these plans will increase the size and control of the government on healthcare in any way, shape or form.
Every single one of them has been rejected by the Democrats; probably because they don’t increase the size and control of the government in any way, shape or form.
Keep this in mind… the Democrats are not pushing so hard for healthcare reform because they care so much about your personal health. This is about increasing their control over your healthcare. This is about them staying in power, and they’ll accomplish this by assuring you that “they know what’s best for you”. They’ll protect you from those “evil, money hungry doctors and insurance companies”.
If they really cared about decreasing your healthcare costs, they would be looking into private market solutions, not trying to wrest control of it from you and the private market.
Remember that saying I told you earlier, “He who pays the bills… makes the rules”?
The question is… do you want to make the rules, or do you want the government to make them for you?
Links:
H.R.3400 – Empowering Patients First Act
Health Savings Accounts: Is an HSA Right for You? : Mayo Clinic Staff, Mayoclinic.com, 05/15/08
A Free-Market Cure for US Healthcare System: Rudolph W. Giuliani, 08/03/07
Remarks by the President at the House Democratic Caucus Retreat (Obama’s Speech): Whitehouse.gov, 01/14/10 (note: section quoted above is 4th paragraph from the bottom of the speech)
Obama: I Want to Fight GOP over Healthcare: (Video) Real Clear Politics.com, 01/14/10