Health Insurance... Are You Kidding Me?

Uncle Bubba saw an article in the paper that validated what he'd been wondering about for quite a while; is this federalized health insurance really a good thing? The article stated that the cost of health insurance for the city's 38 employees and six elected officials is increasing by 6%. It does not say why there is an increase, that's just one of those mysteries that we all live with and never get a straight answer; but that's not of Bubbie's concern here, that's a discussion for another day. The bottom line is that the city currently pays $430,000 annually for its employee's health insurance or about $9,774 per person. With the increase, they will be paying $10,355 per person. Lord have mercy! Get your head around those numbers. $439,774.00 for 44 people. Also, the city does not pay for any part of an employee's family coverage. So in Uncle Bubba's estimation, Obamacare is very costly and that begs the question; what are we getting for our money? Maybe this is the best answered by people who have experienced using health insurance. Uncle Bubba has heard several common experiences from friends and family.

They don't reach their extremely high deductible. With most of their healthcare needs being minor, or preventative as recommended, users have to pay out of pocket even though they are still paying the required large monthly premiums.

They are receiving major treatment or being operated on and then almost immediately sent home to convalesce. Sure, it's saving the hospitals tons of money, Uncle Bubba calls it factory healthcare; like an assembly line--wheel 'em in and ship 'em out. But God forbid that anyone gets a complication while recovering at home with no professional care. This risky practice is subpar care. It lowers the bar. Is that what we want?

The federal system is an insurance program for catastrophic care, plain and simple. It doesn't improve or assist in the lives of the majority of its users, if anything it brings hardship and unhealthy duress. If you don't believe Uncle Bubba, then talk to the people that work within the system. Ask a Registered Nurse about the quality of care; if no one is listening in they'll tell you the truth.

Lastly, it only functions if all of the healthy people pay in and never use it so that the others can benefit from it; how is that different than when it was private? It isn't except it's poorly run and more expensive thanks to government intervention. We've also lost our freedom of choice, which is what mandates do. In Bubbie's view, it's hard to see why we all just keep paying and paying and never say enough is enough. We should demand better until we get it. Let's get the government out of healthcare.