Thoughts on Health Care

Most of you don't know that only 17% of people in America don't have health insurance. Why don't you know this? Because your government and the liberal media doesn't want you to know it. When they say that 47 million are without health insurance it sounds like a big problem. Is a problem that affects 17% of the population a big enough problem to spend more that 1 trillion dollars and turn over your health care decisions to the federal government - to risk the financial security of future generations?

Next - what we are all calling health insurance is not insurance at all. Ask Andy, he will confirm this. Insurance is to spread the risk of catastrophic risk. When you buy auto insurance you don’t expect it to pay for oil changes do you? When you buy home insurance you don’t expect it to pay for the annual cleaning of your furnace do you? The fact is that you hope you never have to collect on your auto or home insurance because that would mean you have experienced a catastrophic loss. What everyone calls health insurance is just prepaid medical care plus an insurance component for the catastrophic risk. Why is everybody entitled to prepaid medical care? Only in a socialist state would this be a tenant of the government supported programs.

So, what is the answer to medical care in this country? Firstly, the federal government has no business being in the health care business or even health care regulation. There is nothing in the Constitution that allows or permits this kind of intrusion into your life. Any such regulation is the exclusive purview of the states - unless, of course, the country wants to prosecute a Constitutional amendment. Second, a mandatory insurance plan like Massachusetts has and similar to what most states have for auto insurance might be a better solution if one is needed at all. But, this should only be for catastrophic medical risk, not prepaid medical care.

Please write to your Senators and Congresspersons and tell them to stop this insanity.