Insurance the truth!
Insurance the truth!
Do YOU want to make America great again? If you do one thing that has to be handled is Insurance and I'm not just talking about health but auto insurance, home insurance, life insurance all this BS! What is insurance? Definition a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium / a thing providing protection against a possible eventuality. This is the definition, but also in America it is a corporate institution that takes money you can use for living, education, business, savings and puts it in the pockets of corporate leaders to the tune of 6 billion dollars that's billions with a B. Unlike politicians who get a decent livable salary insurance company executives make millions in bonuses not including there wage, so if the government does not place profit limitations and pay restrictions on these people (which they have the right to do) we will never have a decent system for insurance health care system. I do not solely blame Obama for a situation that was before his time and still stands as an issue after his 2 terms as president. The Commerce Clause refers to Article 1, Section 8, Clause 3 of the U.S. Constitution, which gives Congress the power “to regulate commerce with foreign nations, and among the several states, and with the Indian tribes.” There are also proponents of said idea above which can be seen here......
*Debate over applicability to the Patient Protection and Affordable Care Act
Questions over the range and applicability of the Commerce Clause have arisen in debate over the constitutionality of the Patient Protection and Affordable Care Act ("PPACA"). The debate centers around whether Congress is authorized to require citizens to purchase health insurance from the private market, known as the individual mandate. Congress claims authority from the Commerce Clause. However, many opponents of the PPACA have claimed that the individual mandate exceeds Congress's authority thereunder, primarily on the position that the law attempts to define the non-purchase of insurance as "commerce".
*Twenty-six state attorneys general filed a lawsuit against the federal government claiming the insurance mandate is unconstitutional. On June 8, 2011, a panel of three judges from the 11th Circuit Court of Appeals in Atlanta held hearings on the issue. On August 12, 2011. The 11th Circuit Court of Appeals ruled the Individual Mandate portion unconstitutional, stating that Congress had exceeded its authority by requiring Americans to buy coverage.
Differing court opinions have clashed over the question of whether failure to purchase insurance can be considered an economic activity that affects interstate commerce. In Virginia v. Sebelius, Judge Henry Hudson overturned the law, claiming that failure to purchase health insurance coverage could not be considered economic activity, being rather economic "inactivity." In Liberty University v. Geithner, Judge Norman Moon upheld the law, countering:
*Similarly, in Thomas More Law Center v. Obama, judge George Steeh ruled that such decisions have "a documented impact on interstate commerce."
In response to the Virginia decision, Virginia Attorney General Ken Cuccinelli petitioned the Supreme Court to hear the appeal immediately, rather than going through the Fourth Circuit. On November 14, 2011, the Supreme Court announced it would hear the case in the spring of 2012.[28] The Supreme Court heard arguments on March 26–28, 2012. Its majority opinion agreed that upholding the PPACA under the commerce clause "would open a new and potentially vast domain to congressional authority" and that "the power to regulate commerce presupposes the existence of commercial activity to be regulated".[29] The Court held that Congress did not have authority under the Commerce Clause to require citizens to purchase health insurance, but still upheld the law's "individual mandate" provision under Congress' taxing authority.[30]**
I am no scholar, I am no lawyer, but the bible says compassion should be your driving force to make sure all can get medical care without having to choose whether to pay the rent or get help with there health issues for Jesus went forth, and saw a great multitude, and was moved with compassion toward them, and he healed their sick. Matt 14:14
In seeking to resolve or help with the cost of insurance lots of people feel the Single Payer model would help with making health care affordable and take the unethical process of care for profit out of insurance.
Single-payer national health insurance, also known as “Medicare for all,” is a system in which a single public or quasi-public agency organizes health care financing, but the delivery of care remains largely in private hands. Under a single-payer system, all residents of the U.S. would be covered for all medically necessary services, including doctor, hospital, preventive, long-term care, mental health, reproductive health care, dental, vision, prescription drug and medical supply costs.
The program would be funded by the savings obtained from replacing today’s inefficient, profit-oriented, multiple insurance payers with a single streamlined, nonprofit, public payer, and by modest new taxes based on ability to pay. Premiums would disappear; 95 percent of all households would save money. Patients would no longer face financial barriers to care such as co-pays and deductibles, and would regain free choice of doctor and hospital. Doctors would regain autonomy over patient care.
The Expanded and Improved Medicare for All Act, H.R. 676, based on PNHP’s AJPH-published Physicians’ Proposal, would establish an American single-payer health insurance system.
Where I would keep close eyes on this model would be, one as the government I would offer incentives to current health insurance providers like non profit status or tax exemptions as long as executives pay did not exceed a certain amount per tax year including stock options and other company benefits that usually skirt loopholes on executive compensation and the company itself would have to pay a lump sum contribution that comes from the company not its employees to keep managing as they have been with Social Security / Medicare department managing incoming funds that would come out of peoples checks just like Social Security, government taxes and state taxes and city taxes do, to be paid to healthcare servicers basically the insurance companies would be the documentation keepers and get paid a fee for processing paperwork for the people and the healthcare providers. I know the health insurance companies would not want to hear this because it all but destroys their industry but society automatically disapproves of those that take advantage of those who cant defend or take car of themselves and its what insurance does. Now the insurance industry will say its not our fault people cant afford insurance and we don't make them buy insurance but is that really the position you want to take when you life and well being is on the line and what if police and firefighters had that attitude like i said before this will involve some compassion and empathy for your fellow man this is what will make America great again, FDR said it best "Long before the economic blight of the depression descended on the Nation, millions of our people were living in wastelands of want and fear. Men and women too old and infirm to work either depended on those who had but little to share, or spent their remaining years within the walls of a poorhouse . . .The Social Security Act offers to all our citizens a workable and working method of meeting urgent present needs and of forestalling future need . . . One word of warning, however. In our efforts to provide security for all of the American people, let us not allow ourselves to be misled by those who advocate short cuts to Utopia or fantastic financial schemes. We have come a long way. But we still have a long way to go. There is still today a frontier that remains unconquered--an America unclaimed. This is the great, the nationwide frontier of insecurity, of human want and fear. This is the frontier--the America--we have set ourselves to reclaim." -- President Franklin Roosevelt August 14, 1938, Radio address on the third anniversary of the Social Security Act .