A Victory for True Health Care Reform?


The White House, today, announced a series of four ostensible concessions to demands that health care actually be reformed, not simply nationalized.

This is an encouraging step, although currently little more than a gesture. If it went forward as-is, it would only be a pyrrhic victory…but it does show that the socialized proposal is in serious trouble.

Let’s check out the changes, and see what’s left to fix:

  • CORRUPTION: Sending investigators disguised as patients to uncover fraud and waste

We don’t think having more of a police state is really the right approach, but with up to a quarter of all socialized health coverage being wasted, it’s a start.

  • RUNAWAY LAWSUITS: Expanding medical malpractice reform pilot programs

This sounds right…but depends on what these “pilot programs” actually are.

  • WAAH? Increasing payments to Medicaid providers?

What? They finally acknowledge that Medicare/Medicaid is grossly corrupt, and now they want to increase the money they throw at the system? This is reminiscent of Bush throwing of taxpayer money at Louisiana after Katrina, which is just a mirror of what got Louisiana in that position in the first place.

  • OVERINSURANCE: Expanding the use of health savings accounts.

If they just put more money into the existing, fake medical savings account programs, they are only making the problem worse. At the moment, you are only allowed to save health care money for one year, then it is stolen from you by the government, and you start over. This means people are forced to squander millions on needless “health care” spending at the end of each year…driving up health care prices. What is needed is REAL medical savings accounts, where you keep the money indefinitely, and when it gets large enough, you can reduce your medical insurance into a cheap program that only covers unexpected disasters, and even roll over your medical savings account into a retirement account.

So does this mean that the current, socialized health care megabill should be accepted?

No, in fact it means we need to fight harder than ever.

The bill would still do far more harm than good.

It still is comprised almost entirely of the same kind of measures that caused the problems we have in the first place. Massive government spending that drives up prices, new regulations that bog down providers, expansions of full coverage insurance that strip away consumer power…and worse:

All of it in one massive Megabill, allowing them to fill it with pork and bad measures that one must accept in order to get ANY change at all.

Where the Hell Are Medical Savings Accounts?


chained caduceusThe actual problem with our failing health care system is that consumers have no control over it. Already, too much is paid for by middlemen like insurance companies and government. If Americans only paid 5% of their food bills, a cheeseburger would cost fifty bucks, too.

Why are people handing off control of their health care to middlemen? Because government imposes massive taxes on them, and then “rewards” them, with tax breaks, for paying needless insurance companies to cover their well-care, checkups, and minor problems while charging them triple what those will cost.

If you say “screw that, boss, I’ll take the cash instead of the health insurance”, you’re forced to pay taxes on the money, when the insurance was pre-tax.

The solution? (aside from cutting the massive tax burden)

Medical Savings Accounts.

Instead of giving the money to a middleman insurance company, you get to keep it yourself, to save for any medical needs. It is not taxed, and once you accumulate enough to cover any predictable needs, you roll the rest over into a retirement account each year. Meanwhile, you by a very cheap catastrophic insurance plan, that only covers unexpected, rare disasters like cancer and falling in a wood chipper. These can cost only a fraction of a harmful full-coverage plan.

This gives you control over your own health care, the ONLY way to cut costs. It also allows you to save for your retirement, freeing you from depending on the ridiculous, doomed social security system that will NOT be there when even Gen X retires.

Why do we not have this?

Ask your congressman.

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