Humpty Dumpty Health Insurance

What kind of idiot would try to start a company, not necessarily a huge company, but ANY company by first lying about the costs of your product, then telling potential customers that they are going to get non-optional features attached to this new product.  These are going to be features that the customer didn’t ask for, and doesn’t want, and won’t use.

Then, to put the cherry on the top of this sales pitch, tell the customers that you need to make your new company successful, that they’ve been idiots for buying from your competitor since their product is “sub-standard”.

Now sales pitches that compare competing products unfavorably to what you’re trying to sell are as old as mankind.  Telling potential customers that they’re idiots for even considering another product, a product that they’ve already used for years and that they are happy and satisfied with, brings a whole new meaning to the phrase “cutting edge marketing.”  As in “cutting-your-own-throat marketing.”

Yet President Obama, you know, the same guy who knows more about everything than his own advisors, is doing just that.  Using the Rose Garden as the setting for a great impression of a Sham-Wow commercial, the President himself tried to tip-toe this same nonsense past the common sense alarm of the American voter.

There are more than a few court challenges to the constitutionality of Obamacare working their way toward the supreme court as you read this, and even if the Supremes decide that Chief Justice was right in what he said about penalties versus taxes, that doesn’t negate the fact that there are other grounds to nullify the Affordable Care Act  (ACA).

But what happens and the court decides that the ACA is, after due deliberation, actually unconstitutional.  What happens then?  People will still need health insurance, but if they carried individual coverage, the insurance that they had as of December 31st will have been cancelled.  The insurance that they were forced, by an unconstitutional law, to acquire, will be much more expensive according to all the commentary we have been seeing.  Does that mean that until they find a reasonably priced replacement for the ACA mandated insurance, the government of the United States is liable for the excess cost of the ACA insurance?  Would it mean that the extra “benefits” such as prenatal care for fifty-nine year old women could be removed, and the policy holder be reimbursed?  If so, by whom, and by how much?

Whether or not Obamacare passes another constitutional test, our nation’s health insurance system is like Humpty Dumpty after he fell off the wall.  The real question is, how do we put ol’ Humpty back together again, how fast can we do it, how much will it cost and who’s going to get stuck with the bill?

Now would be a good time for Republicans and the Tea Parties to touch base with all the major insurers in the country and alert them that they might have to work like mad and use gallons of Crazy Glue to help us put it back together again, even if they need some duct tape to finish the job.  It won’t need to be elegant, but it absolutely has to be able to work.


About Jim Yardley

Retired after 30 years as a financial controller for a variety of manufacturing firms, a two-tour Vietnam veteran, and independent voter.
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5 Responses to Humpty Dumpty Health Insurance

  1. J-M says:

    Jim, I don’t think that we can put the genie back in the bottle. All those companies that went from full time to part time workers? What possible incentive can they have to go back to the way it was? I hear the CEO’s of such companies are clamoring for legalization of the invaders here now and more legal immigration. Is this to make sure they have enough part time workers? The insurance companies have already retooled their options. They have to be THRILLED at the huge rate hikes. They couldn’t have gotten away with this without the misnamed “Patient Protection and Affordable Care Act.” Where’s the “patient protection” part of this? We all (at least working people) can see that the government wants us to spend every dollar we make on health care or pay a huge fine, we “get” that the ACA isn’t about access to health care. It’s about something else which will be revealed in the fullness of time. I have my guesses and none of them bode well for us. There is no way out of this now, no matter what. Repeal won’t make a difference, the die is cast and all we can do is wait to see what horrors await us next.

    • Jim Yardley says:

      I agree that repeal is not in the realm of possibility. Being declared unconstitutional has a slim chance. But the real problem is that the damn law doesn’t work at any level. Typical Progressive/statist bumbling. They get an idea in their heads and they just ignore reality and plan around their fantasy.

      But the bottom line is that the ACA does not work. Period. These people couldn’t operate a lemonade stand, much less 1/6 of the economy. I’m just saying that insurance companies need to be thinking ahead for the day that someone in D.C. recognizes reality and says that magic word — “Help”.

  2. J-M says:

    Sorry for the pessimism, but I’m not as stupid as our government thinks I am, and I can’t figure out how to stop this spiral, even with about a million new freedom robbing “regulations” and endless new rules. Think of all the new government hires that will have to be recruited in order to enforce all the minutia. Not possible.

  3. Occam's Carefully Hidden Dagger says:

    Mr. Yardley,
    In my opinion, there are few, if any, in the Obama government who have any notion of what money really is and even fewer who have any interest in learning, especially learning the parts about how the value that money supposedly is a store of is created.

    They remind me of the Idiot Children of the Rich, who simply assume, as a precondition to human life on the planet, that Grandpa’s trust fund is going to last, well, forever.

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