By Arthur Levine

Sometimes it’s hard to separate the facts from the hype. Switching from a public health care option to a not for profit co-op plan can be tricky. How well it gets big government out of our lives is debatable. The truth is that the devil is in the details. Specifically, what kind of control does government get for putting up the seed capital needed to fund these not for profit co op plans. Do they just put up the initial funding and then walk away? Or does government funding come with a whole bunch of rules and regulations and mandates that make it just the same as a public plan?

1. Do the not-for profits carry with them mandates that people must join them if they lose their existing insurance or if their employers cancel their policies?
2. Do they carry restrictions on who is covered and for how much?
3. Do they detail what procedures are covered for what age groups and who makes these decisions?
4. Can these co-ops pay for abortions, and is this government subsidized?
5. Are voluntary or involuntary end of life consultations required for members of the co-ops?
6. Will the co-ops have to be self-sustaining and self funded after initial government capital injections?
7. Will there be a level playing field with private insurers?
8. Must all people and prior conditions be covered and will the government subsidize their insurance payments.
9. Will these co-ops be cost neutral to the taxpayer?
10. Will the taxpayer have to fund the co-ops and for how much and will some people lose existing benefits?

In other words is the idea of a co-op insurance plan just a pig dressed up as Cinderella and wearing silver slippers on its hooves.

Is the floating of the idea to switch from a public insurance plan to a co-op insurance plan just a way to pacify an angry public, scared of too much government intervention in their lives?

The key to what happens next lies in how well the congress is listening to their constituents, or are they just determined to exercise their will as apposed to the will of the people?

Please feel free to use this article as long as credit is given to the resource box.
© Copyright Arthur Levine, 2009

Hi this is Arthur Levine author of the novel Johnny Oops. To read more about Johnny Oops and or health care reform plans please g to http://johnnyoops.blogspot.com

Article Source: http://EzineArticles.com/?expert=Arthur_Levine

Categories: Articles

By Wiley P Long

It is hard to turn on the nightly news without hearing more and more of the increasingly ubiquitous healthcare debate. With one side pushing for government-funded healthcare for all and another side urging lawmakers to look for more affordable healthcare solutions, it can be tough to determine which healthcare reforms would best for the nation. However, just about everyone agrees that the current healthcare situation does require reform – and reform programs that are not only affordable, but also uphold the quality of the healthcare system across the country.

Health Savings Accounts are viable healthcare solutions that help to relieve the income tax burden for participants while allowing them to have a vehicle for saving money exclusively to cover the cost of their healthcare.  But before anyone rushes to conclusions about what current healthcare solutions should be further developed or promoted, it is important to understand what is flawed with the current healthcare system and proposals.

Problems with the current healthcare system:

The current healthcare system is riddled with two major flaws: runaway inflation and lack of suitable coverage for individuals with pre-existing health conditions. While inflation may be difficult to control on a large scale, something surely needs to be done about the general tendency of health insurance providers to deny coverage to individuals with pre-existing medical conditions. These two problems are especially difficult to surmount for self-employed Americans and Americans working for small businesses.

Approximately 16 percent of all employed Americans are self-employed and 28 percent work for small businesses. Self employed individuals and individuals working for small businesses are often hard-pressed to find affordable healthcare plans that will provide suitable coverage for their healthcare needs while still meeting their budgetary restrictions.

The current healthcare reform proposals have a solution for the uninsurability issue: make all healthcare plans “guaranteed issue” regardless of an applicant’s preexisting conditions. With such a plan, any applicant would be able to get healthcare coverage. However, as a result of these more liberal healthcare membership plans, Americans would likely see rising healthcare and premium costs across the board. Simply put: there’s got to be a better solution for affordable healthcare for all.

Keys for a better healthcare system:

Transparency

There are a couple of requirements for a better healthcare system that can help to ensure that plans are more affordable for the masses and that coverage maintains a level of quality for all recipients. The first of these two keys is transparency.

Many Americans receive healthcare services without ever knowing what the cost of those services are. This is because hospitals and doctors very rarely publish the prices for the services they offer and many Americans rely on their insurance policies to cover the costs. Without published prices, patients (or insurance companies) are often required to pay the cost of a service they receive without ever getting an opportunity to negotiate the price, look for competitive pricing elsewhere, or decline a service due to the price.

In turn, hospitals and doctors have little pressure to reduce their rates in order to stay competitive in the healthcare marketplace. Moreover, when insurance plans cover the cost of a service, patients rarely get involved with the process of finding the most affordable provider or solution.

However, when individuals have a Health Savings Account, they pay for their healthcare services directly, ensuring that they are aware of the prices for selected services that they have received. As the consumer becomes closely involved with paying for his or her healthcare services, the consumer is in a better position to look for competitive rates and options that can lower his or her costs.

Essentially, with Health Savings Accounts, consumers compare prices and quality of services, which, in turn, compels doctors, clinics, pharmacies, and all healthcare providers to improve their services, decrease their prices, and offer better solutions than the competition.

Competition is at the heart of a free market economy, such as the American economy, and helps to keep businesses constantly striving to improve their services, products, and affordability.

Categories: Articles

By Billings Farnsworth

Media outlets tend to favor either a conservative or liberal viewpoint. Fair and balanced news and media are the ultimate goal, but is what brings in viewers and attention to stations and to tune into talk shows are people that are opinionated to either one extreme or the other. The edges of the political spectrum bring the most controversy and the most attention, and thus are the most popular.

Conservative radio and television talk show hosts are a mainstay in the American media. They have larger than life personalities and larger than life opinions on events, people, politics, and anything that tickles their fancy. When they express opinions, people listen and their voices become louder the more opposed they are to what they see or hear happening. People in America listen to them. Some listen and agree with what they say and others listen and are enraged by what they talk about. Even when these conservative icons fail to live up to their conservative statements, they continue to be popular and paid well.

Liberal hosts exist and typically express the exact opposite of the conservative talk show hosts. People enjoy their cynicism and sarcastic accounting of events that tend to enrage the conservative public. Some of the hosts are more obscure than their conservative counterparts, but some are larger than life. They have large followings across the nation and people tune into hear their pithy remarks on current event or people. A liberal talk show host challenges a person to think on their own, but often taunt those that have differing opinions.

Whether you listen to one or the other, or if you enjoy listening to both, radio and television talk show hosts will be there to bank on people’s ideologies. They are here to entertain and to express opinions that some are afraid to voice. So tune in, turn up, and dare to agree or argue!

Center Right News (http://www.centerrightnews.com/) conservative news and views. Billings Farnsworth is a freelance writer.

Article Source: http://EzineArticles.com/?expert=Billings_Farnsworth

Categories: Articles