I received this in an email that described Health Care related bills submitted in the House.
Improving Health Care in NC
Several bills were introduced this week, which focused on improving the health of North Carolinians. Rep. Verla Insko, D-Orange, introduce legislation (House Bill 265) that would establish a high-risk insurance pool, which has already gained the support of 53 co-sponsors in the House. The bill seeks to help people who cannot afford health insurance because of pre-existing health conditions. It would guarantee coverage to patients with premiums of no more than 175 percent of a standard health care plan. To cover the additional cost of the plan, insurers would be assessed up to $2 per each traditional customer it serves. The assessment would be phased in over four years. Supporters of the high-risk pool say this is a first step toward providing affordable health care to more than 1.3 million North Carolinians who do not have health insurance. The House passed a similar bill in 2006, but the Senate did not consider it before adjournment.
This raises a couple questions in my mind.
- If it only costs an additional $2 per year per healthy customer, why are the insurance plans NOT doing it already?
- Where is the $2 per insuree going to come from: loss of profits or increased premiums. Yeah. Exactly.
- The insurance companies regularly jack up my premiums by 10% per year ($30-$50), so why are we waiting 4 years for them to tack on a 0.5% increase?
- Why do we allow the insurance companies to dump the sickest individuals into the public health care programs?
- Why do we not allow healthier individuals access to the public health care programs, if we allow the insurance companies to use it as a dumping ground?
All I'm saying, is that we could charge decent premiums and allow Medicaid to be opened up to everyone. Yes, we would have to increase some of the payments we make to doctors, but we would be able to do that with a healthier population. As it is, the public health insurance is the most cost-effective WHILE SERVING THE MOST EXPENSIVE CUSTOMERS. The poor, the elderly, the uninsurable.