Why is an affordable health plan such an impossible hope all of a sudden? Health insurance providers have been raising their premiums and begun quoting fantastical sums over the past couple of months. Of course, the Republican propaganda machine has been going to town trying to make political hay over the way rising prices have been putting basic healthcare out of the reach of the common citizen too. Their take on it is that it’s the new health care reform bill that’s done this. Is this true? Is it the new health-care reform that’s forcing the health insurance providers to raise prices?
The reform is just one reason why they are raising their prices so quickly now though. Insurance works out to be cheap usually, because there are usually vast numbers of people signing up to have their risk covered. Since risk only very rarely translates to actual disease or other problems, the insurance provider usually has lots of money coming in with little need to apply that money towards an actual claim. When there are only a few people coming in to be insured, having even some people fall ill and come, quickly depletes any money the insurance company is able to collect off premiums. There are so many people claiming on their insurance that providing for them becomes an impossible burden. People who are jobless now and who are unable to renew their health plans, are quitting in their numbers. The insurance companies are forced to deal with smaller pools of people. And they are charging of these fewer people all the money that they would have gotten if they had enough insurance subscribers.
As the affordable health plan becomes a thing of the past, do we blame the way the new health-care reform bill tries to bring the health insurers in line with our humane expectations? Is the reform’s new rule that no one with pre-existing conditions shall be rejected, the cause of all the trouble at all?
The insurance people themselves don’t say this if you look a little closely. The Wall Street Journal that is a publication that completely represents business interests says that insurance companies have raised their prices by up to 10% for the effects of the new health-care reform bill already.
The affordable health plan is becoming a thing of the past is only because every insurance business is trying to use the confusion thatt swirls around us at this moment to make their business a bit more profitable. For instance, who is to blame for the way health insurance companies are suddenly refusing to issue insurance applications for children by themselves? They’re just worried that since children basically tend to stay healthy, and that parents will go without buying insurance until absolutely necessary. The disappearance of the affordable health plan is just a case of opportunistic business behavior. And the health-care reform bill is simply doing a lot to help people in such an environment.
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