As it stands today, 3.5 million Americans have had their health insurance cancelled due to Obama care and the number could go as high as 16.5 million according to industry experts. So the 30 million uninsured that this inept Legislation was intended to aid has now reached 33.5 million and may go as high as 47 million before the exchanges are even open. I don't think this was an accident, I believe it was by design.

  Obama care will only work if it has initial high enrollment numbers in the exchanges themselves. I believe shortly after the implantation of this program they realized it was going to suffer from low turnout from the young contributors, That is to say that all their data pointed to the majority of young people being more likely  pay the fine rather than purchase health insurance through the exchanges. To salvage the program the needed a surrogate; enter private policies.

 Private insurance policies work differently due to the fact that there is no "group" statistics" to dilute the cost of  potential losses to the insurer. Therefor the insured is scrutinized more harshly, the cost is higher, and the unneeded benefits are stripped away from the policy to bring the price down. An example is that a 56 year old single man will not need maternity benefits or annual free breast screening so that benefit is removed from his policy to offset the higher non group  cost he has incurred.  Obama care had offered to grandfather these policies in but after learning the despairing projections from the “Youth Turn out" they decided to tighten the criteria to include 10 benefits that are not negotiable. Now the 56 year old single man has to have a plan that includes breast exams and other things that he does not need. This was a godsend for many private insurers who could now cancel their clients due to the inability to provide compliant coverage at a reasonable cost.

 You see, many of these private policies were written for people with pre-existing conditions. By cancelling these policies they eliminated these pre-existing policies and lowered their own risk. In short, Obama care purposely aided big insurance companies in purging their roles of the most vulnerable (those with no group policies and pre-existing conditions) in order to facilitate a need for Obama care . They have now brought in as many as 16 million people who have no place to go except the exchanges. A nice bi-product of this action is that when they count the policies in a year or so and tally up the effectiveness of the program they will use the estimated 14 to 16 million canceled private policies as proof that at least half the 30 million expected were helped. They will conveniently ignore the fact that they themselves caused these people to lose the coverage they had.

 This is not a new game, In the 30s and 40s in Chicago it was common for organizations to create a problem and then offer their services to solve it. It was called "The Protection Racket" and the people who carried it out were known as "Racketeers" and the organization was "Organized Crime". Americans should expected more from their Government than the actions of a Chicago Racketeer.

 

Perry

 

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