Monday, March 19, 2012

Obamacare costs 

        I have been on the healthcare and medical insurance topic for a while and planned to leave it for a while, but now the Congressional Budget Office has revised the estimate for what it will cost the taxpayers.  The new estimate is $1.76 trillion for the first ten years.  This is about twice the original estimate. 
I think it is still conservative.  It could be a huge problem with our budget deficits and growing debt.  It scares me in many ways. 
There are other consequences.  Employers may find the most economical way to comply is to drop the medical insurance benefit for their employees and pay the fine.  So much for being able to “keep your insurance if you are happy with it.”  How many businesses, like the unions will be made exempt?  This shows the whole program is flawed.
It may reach beyond keeping your insurance.  It may mean you can’t choice your healthcare providers.  I think we will always have health care in this country, but you may have to wait longer to see a health care provider, or in some cases, pay for that care yourself.  This maybe good as we should be moving away from medical insurance for primary, routine, and preventative healthcare anyway in my opinion.
This has to put more strain on the Medicaid system.  More and more healthcare providers will be refusing Medicaid patients.   I suppose the government could make this business decision by healthcare providers against the law.  So what?  Who cares about freedom of choice anyway?

I think the biggest problem is if Obamacare is illegal under the constitution.  I don’t see how it can be legal under the 10th Amendment.  The 10th amendment is pretty clear.  It states:

“The powers not delegated to the United States by
the Constitution, nor prohibited by it to the States,
are reserved to the States respectively, or to the
People.”

        This is pretty plain, and since the Constitution does not give the “United States” the power to require the “People” to buy medical insurance, the “United States” is clearly prohibited from doing so.  I sincerely hope the Supreme Court will uphold the Constitution and find Obamacare illegal.  Personally I don’t see how any other decision can be reached. 

        The 10th Amendment clearly does not prohibit States from requiring mandatory medical insurance.  I don’t like the “States” making medical insurance mandatory, but it makes a lot more sense than “experimenting” on a national level. 
        If a “State” finds a workable solution, other states can follow.  If a “State” tries something that does not work, it can be changed easily.
        This makes so much more sense than Obamacare.  I am constantly amazed at the foresight of our founding fathers.  We should stop trying to reinvent the wheel.

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