Liberals constantly complain that Republicans have no plan to reform health care in America. I have a plan!
It’s a one-page bill creating a free market for health insurance. Let’s stop here for a moment so liberals can Google the term “free market.”
Almost every health care problem in this country – except for trial lawyers and antiquated magazines in doctors’ waiting rooms – would be solved by my plan.
In its first sentence, Congress would amend the McCarran-Ferguson Act to allow interstate competition in health insurance.
We cannot have a free market for health insurance unless Congress repeals the antitrust exception that protects health insurance companies from competition. If Democrats really wanted to punish insurance companies, which they clearly don’t, they would force insurers to compete.
The next sentence of my bill states that the exclusive regulator of the activities of insurance companies will be the state where the company’s headquarters are located. Every insurance company in the country would be incorporated in the state with the fewest government mandates, just as most corporations are now based in Delaware.
This is the only way to bypass the idiotic state mandates that require all insurance plans offered in the state to cover things like the Zone Diet, gender reassignment surgery, and whatever needy Heidi Montag did to herself this week.
President Obama says we need national health care because Natoma Canfield of Ohio had to drop her insurance when she couldn’t afford the $6,700 premiums and now has cancer.
While I admire the way Obama uses terminally ill people as a political prop, let me point out at this point that maybe Natoma could afford insurance if Ohio’s insurance laws didn’t require it to purchase a plan that included infertility treatment and an unlimited number of obstetricians and gynecologists. visits, among others
It seems Natoma may have followed a plan that covered just the basics – you know, things like cancer.
The third sentence of my bill would prohibit the federal government from regulating insurance companies, except under normal laws and regulations applicable to all companies.
Freed from burdensome state and federal obligations that transform insurance companies into public utilities, insurers could offer a range of insurance plans, finally giving consumers a choice.
Instead of Harry Reid deciding whether your insurance plan covers Viagra, that decision will be made by you, the consumer. (I apologize for using the terms “Harry Reid” and “Viagra” in the same sentence. I promise it won’t happen again.)
Instead of insurance companies jumping to the tune of politicians bought by health care lobbyists, they would jump to the tune of hundreds of millions of Americans buying health insurance on the open market.
Hypochondriacal liberals could still buy an aromatherapy plan, and regular people could still buy plans that only cover things like stern illnesses, accidents, and illnesses. (Again – things like Natomy Canfield’s cancer.)
This would effectively transform health insurance into… a form of insurance!
My bill will solve almost every problem ObamaCare purports to solve, and my bill comes at no cost to the taxpayer. Indeed, a free market in health insurance would result in significant tax savings because layers of government bureaucrats not needed in America’s medical services would be laid off.
For example, in a free market, the government would not have to prohibit insurance companies from excluding “pre-existing conditions.”
Of course, the insurance company must be able to deny NEW customers with “pre-existing conditions.” Otherwise, everyone would wait until he got unwell to buy insurance. For the same reason, you cannot buy fire insurance for a house that is already on fire.
This is not an “insurance company”; it is a so-called “Christian charity”.
Democrats are insinuating, by denouncing the “pre-existing condition” exclusion, that the insurance company is using the “pre-existing condition” ruse to deny coverage to a current policyholder – someone who contributes to the plan year after year.
No free market insurance company that used this trick would stay in business for long.
If hotels were as stringently regulated as health insurance, I would already be explaining why the government doesn’t have to require hotels to offer rooms with beds. If they didn’t do this, they would go out of business.
I’m sure people living in the former Soviet Union thought it was crazy to leave groceries to the free market. (“What if they don’t have the food we want in stock?”)
The market is a stronger enforcement mechanism than indolent government bureaucrats. If you don’t believe me, ask Toyota in about six months.
Currently, insurance companies are protected by government regulations from having to honor their contracts. Violating contracts is not so basic when there are competitors waiting to steal your customers.
In addition to saving taxpayers money and providing better health insurance, my plan also saves trees because it is 2,199 pages shorter than the Democrats’ plan.
Don’t hesitate to steal it, Republicans!