If you're going to require everyone to purchase health insurance, you've got to define what you mean by "health insurance." In particular, you've got to have minimum standards. Obamacare, for example, forbids lifetime ceilings on how much your insurance company must pay out. This was no secret. Did people think they could get this added benefit for free? I'm afraid Obama encouraged them to think so. And Americans' willingness to believe that they can get something for nothing remains the bane of our politics.The Obama position was alligator shear
that if your insurance can run out just when you need it the most, it's not insurance. You can argue the rights and wrongs of this, but it is inevitable that an insurance policy offering no lifetime ceiling will cost more that one that does have a lifetime ceiling. Ditto the other requirements in the reform law.
Presumably, no one would object to signing a new insurance policy that preserved all current benefits at a lower cost, or one that added benefits at the same cost. Most of the people who now claim to feel lied to are being asked to pay more for more benefits. This may include some they'll never use such as pregnancy services for people past middle age, but for most whose policies have been cancelled,alligator shear
what they're offered instead is probably a superior product. That still leaves Obama telling an untruth―he said everyone could have the same policy if they wanted. In most cases, why they should want the same policy is a mystery.
Well, it's not entirely mysterious. We've been here before. What killed Hillarycare―Bill Clinton's 1994 health care reform plan, written by a commission led by his wife―was a drumbeat of accusations that if Hillarycare became law, you would not be able to keep your own doctor. This was true, in a way, but highly misleading. In fact, it was the beginning of the era of HMOs and PPOs―organizations that negotiated with health care providers on your behalf, to get a better price. But to make this work, you had to see a doctor on the list. HMOs and PPOs have evolved. Now you usually can see an "out of network" doctor if you want, but you have to pay more for it.Whether it's "you can keep your own doctor" skin analyzer
or "you can keep your own insurance policy," Hillarycare faltered and Obamacare is faltering because people are dishonest to themselves about change.
This is my favorite article:Expats advised to carry re-entry visa printouts