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	Name:	MartiniMan -
	Subject:	Healthcare reform
	Date:	9/13/2009 9:58:06 AM

1/ A state health insurance exchange will be established for insurance providers to offer their product to individuals and small business. This exchange will be the only clearing house through which individuals and small businesses which do not presently offer health insurance can legally purchase health coverage.

Why do we need this? First of all, individuals and small companies can already buy health insurance. We have thousands of insurance agents out there right now working hard every day to sell these products. I know because I get three to four calls every week from them. There are other reforms that are needed. Republicans have introduced a bill that would allow health insurers to offer their products across state lines and to make it easier for private coops to buy insurance (i.e., to allow individuals or small businesses to more easily band together to improve their buying power). We don't need the government for this, we just need the government to change the laws to allow the markets to work.

2/ Anybody with a gross income of 3 times the Federal poverty level must buy health insurance or post a $10000 bond. If such person could not post such bond their wages could be garnished or their income tax refunds be withheld until the bond was satisfied.

The problem I have with this is that a good many of the people this will trap are the working poor and young adults that make the personal calculation that they will take a chance on not needing health insurance. So something catastrophic happens and they use the system and can't pay. There choices are pretty much like what my parents had to do, declare bankruptcy. The very same thing would happen if they don't have life insurance and one dies and they can't pay their bills or they start a business that fails. Why stop here? Why not have the government force us to buy life insurance or post a bond? Where does it stop?

3/ Working closely with doctors, the Federal Government and the private sector will establish an institute for evidence based medicine to conduct studies and systematically review existing information and help inform the nation's overstretched medical providers.

How about a better idea? Lets do tort reform so we can save billions on defensive medicine and liability insurance. But wait, the Dem party is the aprty of the trial lawyers so that will never happen although in states like Texas where it has it has been wildly successful. Ask any doctor and they will tell you they spend a lot of time keeping up on their area of expertise and don't need a bunch of laypeople trying to tell them what does and doesn't work. Thats what they do continuing education for and what all the journals are for.