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Tuesday, December 1, 2009

Insuring the uninsured

A headline article in today’s New York Times entitled No Big Cost Rise in U.S. Premiums Is Seen in Study is very revealing, but fails to tell you who will really pay for this No Big Cost Rise.

For people buying their own insurance, which, includes the unemployed, self employed and uninsured, the article quotes the Congressional Budget Office

“…as a result of the subsidies, it said, most people in the individual insurance market would see their costs decline, compared with the costs expected under current law. The subsidies, a main feature of the bill, would cost the government nearly $450 billion in the next 10 years and would cover nearly two-thirds of premiums for people who receive them.”

It does stand to reason that if you buy a health insurance policy on your own, and some of the payment is subsidized, then your premium will not go up, or may be even be lower. But where will this 450 billion subsidy come from? It can come from printing more money, and it can come from raising taxes (or both).

I believe that the majority of Americans are for some form of medical health coverage for everyone. But let’s not hide the fact that we are all going to pay for it.

I also believe that the best way to decrease the cost of health care is to reduce the need for health care. This is done by paying serious attention to disease prevention and the establishment of healthy lifestyles as the New American Way.

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