Featured Post

30 Do’s And 20 Don’ts In Starting A Small Business

Small scale businesses are easier to set up compared to the middle or large scale businesses that require more time, feasibility reports, ad...

Wednesday, December 23, 2009

Musings On Health Care Reform And The Affect On Small Business

I could go on forever...so much information to consider and opine upon. Who says the system is broken? The US has the quality AND level of care that nearly everyone in the world looks to with envy.

The problem is not CARE ... it is COST. So why is the proposed "solution" labeled Health CARE Reform.

Because it is care that will be affected ... not cost. Unless you consider higher costs as the outcome of the "reform" you were looking for.

HALF the reason our costs are so high is because of the quality AND level of care that (nearly) everyone gets. No other country pays for such aggressive cancer-fighting treatments, heart transplants, quadruple-bypass etc in the "average Joe" -- even if you're 80 years old or 100 pounds over-weight. In the US, it's joint-replacement surgury for everyone!

The other HALF of the reason our costs are so high is because someone will pay the price. The health companies would not charge such high rates if someone would not pay them (with government collected taxes, or by forcing businesses to pay). The critics say that already no one can afford health care. Well that is not true or the companies providing the services would not provide them, or they will lower their costs.

Is it just me, or is the plan to have the government throw more money at the problem the wrong way to go? Stop subsidizing health care with so much tax money and prices will come down. Stop increasing the burden on businesses and the prices will come down. Stop encouraging everyone to have an MRI every time they have a headache and the prices will come down.

Only problem: Perhaps the health-care industry will not be able to employ 11% of the entire work-force. But then, is it really necessary for one in every fifteen people (6.8% of the total US population) to be working full time to care for the rest of us? Then again...maybe we wouldn't need 10% of the entire population (15% of the work-force) employed in government either. That's right! Fully 25% of everyone working in the US is employed in either health care or government. What are the chances of "right-sizing" that mess without a full-blown default?

there are many people (perhaps a majority?) that feel entitled to get more of a share of the national wealth than the fair market value of the work they do, or capital they can invest, in return. They feel that the well off should be obligated to pay for the not-so well off. Government as "Robin Hood" -- take from the rich and give to the poor. Whether it's health care, unemployment insurance, social security, or food stamps -- the majority want more than they can afford. It amounts to welfare. And most have no concept of what it takes to pay for it, or the social costs.

Of course Dear Leader (sic Obama) and his cronies will push forward an agenda that will give some people subsidized health insurance with what appears to be lower premiums .... as a big portion of the premiums are paid not by the policy holders themselves, but by the rest of us. Private health care does not have that option of taxpayer subsidized premiums, so of course the playing field is not level. In doing this, more people will be lured to government programs and when private insurance cannot stay in business any longer ..... we will all either have no insurance or government insurance with few actual benefits, not because medical care isn't covered in theory, but because there is no incentive anymore to provide quality health care since doctors and nurses will become government employees.

Here a few simple solutions I think should be part of any reform plan .....

First, shut off access to taxpayer subsidized health care to illegal aliens.

Second, limit the payout on malpractice lawsuits.

Third, everyone has only a major medical policy, meaning everyone pays out of pocket all basic doctors and prescription costs, causing a market shift in doctor visit prices and cost of prescription drugs based on what the market will bear.

Fourth, elect small government members of congress in 2010 and elect a President in 2012 who believes in capitalism.

We just can't fiscally sustain this huge ramp-up in government programs and expanded control from the Democrats; it'll bring the country to where we are now in the state of CA, on the brink of financial ruin. And once these Federal programs are passed, they never go away. They only grow and inefficiently spend more & more money as time goes on as Congress approves additional programs requiring higher taxes.

This administration is not about fixing the economy; it's about expanding government control of our everyday lives and raising taxes to redistribute to the general populace to increase dependency on the gov't. They know how to grow the economy, and they're intent on doing just the opposite.

I agree that something needs to be done to fix healthcare (err costs) .... and I'm hopeful that 2010 will be an election year when it becomes clearly understood that the kind of change we've gotten in Washington D.C. ..... is not the change that we wanted.


Brittanicus said...

Either a House or Senate bill, that releases millions of foreign workers into our country, will devastate the public safety net. As it is now--California--a SANCTUARY STATE--is under constant bombardment to support uncounted numbers of foreign invaders on the health care, education and penal system. America's largest population of illegal immigrants, California bears a huge cost to provide basic human services for this fast growing, illegal low-income segment of its population. A new study from the Federation for American Immigration Reform (FAIR) examines the costs of education, health care and incarceration of illegal aliens, and concludes that the costs to Californians is $10.5 billion annually. California voters rebelled and overwhelmingly passed Proposition 187, which sought to limit liability for mass illegal immigration. Since then, state and local governments have blatantly ignored the wishes of the voters and continued to pay out publicly financed benefits on illegal families. Prop 187 was brought before Judge Mariana Pfaelzer, who in November 1997 found the law to be unconstitutional. Governor Wilson appealed the ruling, which brought the case to the federal Ninth Circuit Court of Appeals. (who are extremist Liberals) In 1999, newly elected Democratic Governor Gray Davis had the case brought before mediation, and then intentionally dropped the appeals process before the courts, effectively killing the law so it--NEVER--reached the Supreme Court. Dan Stein, President of FAIR stated, "California's addiction to 'cheap' illegal alien labor is bankrupting the state and posing enormous burdens on the state's SHRINKING MIDDLE CLASS TAX BASE," he added "Most Californians, who have seen their taxes increase while public services deteriorate, already know the impact that mass illegal immigration is having on their communities, but even they may be shocked when they learn just how much of a drain illegal immigration has become. After these fiscal numbers were released, there seem to be an intentional reluctance to offer costs for both legal and illegal immigrant cost to the US taxpayer. The latest news now is the border state of Arizona, is in dire straights financially and also heading towards bankruptcy.

"This is owing to a Sacramento Liberal Assembly, which has edged the state to near bankruptcy. Only by the interruption of multi-millions of American citizens, legal residents and congregations of anti-illegal immigration groups will America prevail. Here is the Capitol switchboard number to call 202-224-3121 because your vote is needed to stop any AMNESTY. The last 1986 Immigration bill was never aggressively enforced, that is why millions of illegal immigrants roam freely throughout America? The blame can be placed upon previous administrations as they have always been in collusion with the business, including Wall Street that is the real mechanism that governs our country? That is--WHY--we are taxed to subsidize--CORPORATE WELFARE--with incredulous numbers of lowly paid illegal wages and no benefits. THIS IS ALL ABOUT CORPORATE GREED and the complete indifference to the AMERICAN WORKERS SURVIVAL AND AN OVERPOPULATION FUTURE.

In a study from the National Bureau of Economic Research, based on the Census Bureau’s Survey of Income and Program Participation, analyzed the cost of immigrants based on their specific use of (means-tested) welfare entitlements (both direct and indirect), and revealed that the total immigrant receipt of benefits in--1996--came to $180 billion. THAT IS $ ONE HUNDRED & EIGHTY BILLION IN 1996? WHAT ARE THE EXPENDITURES NOW? Today's costs if audited would support some foreign governments treasuries. Obama and his army of pro-illegal worker lobbyist, faith groups, unions, anti-sovereignty Caucuses, to adjoin and undermine our voting system, by organizing huge numbers who will automatically vote in favor of the Democratic party.

Brittanicus said...

There are thousands of pro-sovereignty, anti-illegal immigration organizations that are fighting to halt another demented AMNESTY. So if what President Obama has stated that he will approve a so-called Comprehensive Immigration Reform bill, with the approval of the Democratic Party leadership will be a devastating Armageddon. Last Tuesday, December 15, Congressman Luis V. Gutierrez introduced this proposed law, called the Comprehensive Immigration Reform for America’s Security and Prosperity Act of 2009 (CIR ASAP).More than ever before it would be to the advantage of all the Anti-AMNESTY groups to unify and mobilize every organizations such as NUMBERSUSA, FAIR, CAPSWEB, ALIPAC, AMERICAN PATROL, JUDICIAL WATCH and every opponent group to join a massive build-up against this dark foreboding issue. Most of the American population has absolutely no conception of the implication surrounding this outrageous bill. But any bill legalizing foreign nationals who have scorned our laws is unconstitutional, without THE PEOPLE'S absolute permission.

The millions of illegal people here would pay small fine of $500.00 dollars, learn English and pass a criminal background check. The law suggested stripping police officers of their federally-sanctioned (287 g) powers that detains individuals for immigration and visa violations, according to The Chicago Tribune. Sen. Harry Reid, Pelosi, Napolitano, Schumer and others know that our only true deterrent E-Verify will be obsolete? This is just for those 20 to 30 million illegal aliens and families who live within this nation borders now. Even more millions will be waiting outside the borders, ready to make the rush for US soil, before the president signs the AMNESTY (CIR ASAP) document. THAT WILL BE THE HIGHEST PINNACLE OF MADNESS, FORCED UPON THE AMERICAN WORKER. THEY WILL HAVE TO COMPETE WITH THOSE ALREADY HERE AND THOSE WHO SUDDENLY SWARM INTO AMERICA. All these destitute, unskilled people will need food, housing and welfare support to exist in our society.