Every Man for Himself

Lois Ruther Everett hopes health care reform will make it more affordable for employers to provide health insurance to their employees.

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  1. A lot. More today than a year ago.Because of Obamacare, no company in America ofrefs stand alone children’s health insurance.Why? Obamacare dictates that it is guaranteed issue, without rate ups, regardless of health. Therefore, there is no reason to purchase it until there is a claim needing to be paid.That’s not health insurance. That’s a confiscatory tax on health insurance companies. Fortunately, they aren’t slaves yet, so they exercised the F U clause in the contract with the purple bellies from Washington and just refused to do business where they are guaranteed to lose money.How do you fix the problem of un- and under-insured? By making health insurance affordable.How do you make it affordable? By removing ALL government mandates, loser pays tort reform, encouraging competition between providers (enforce existing anti-trust laws), eliminate the AMA monopoly on billing codes, and eliminate the connection between employment and health insurance.Do these things and we’ll see health insurance cost less than auto insurance. More people will be covered, more people will be healthy.

  2. It really depndes on your current situation. Most insurance companies require high deductibles, co-payments and out-of-pocket maximum. The best insurance I had was through an employer who were self-insured and under PPO. If you are trying to get private insurance (not through your employer), depending on which state you reside, ob-gyn and pregnancy is usually not covered. If this is the case, try using an insurance broker who can find you the best plans at the best rates that meet your needs.

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