April 29, 2011
Obamacare: The Real Threat to America
President Barack Obama has been written into the history books for becoming the first African American president of the United States. The president plans on changing history again by bringing universal health care into the United States, which has won him much popularity among Democratic voters. President Obama’s speeches are adored by his fans but raise many red flags for the majority of America. Major concerns Americans have with President Obama’s two proposed health-care bills are that health-care options will no longer be available, the real cost of Obamacare, and small businesses. As many Americans believe Presidents Obama’s health-care plan is what the United States has needed for decades, considering he did get elected, his polices will prove to be a bane for the United States. The main concern for many Americans about the Obama’s Health-Care plan is the fact that they will lose the freedom to choose. Choosing health-care benefits, doctors, and high-deductable coverage is important to every insured American citizen, so why would Obama change that? In his speeches, Obama has promised Americans that they will be able to keep their existing health-care coverage but the proposed bills tell a different story. Both bills necessitate that Americans buy approved plans that have a number of universal benefits or face penalties. Even with a five year grace period given to big employers to convert to the new plans, there will be no options if the bills are passed. Choosing what benefits are included in one’s health-care plan often times saves money that could put food on the table for a struggling family. Several states have already imposed a list of required benefits for health-care plans; everyone from “chiropractors to alcohol-abuse counselors” competes to be included on lists of required benefits (Tully). This competition is one reason health-care costs continue to rise. A few of the mandated benefits of the bills include coverage for prescription drugs, substance-abuse services, mental-health services, as well as insuring “children” until they reach 26 years of age. Before the bills are finalized, the Department of Health and Human Services will hire “experts” to complete the list (Tully). Thus, nobody will know exactly what this standardized list of benefits will include until the bills are passed. For some Americans, choosing their doctors is very important. Whatever the reason, some people feel more comfortable around certain doctors than others. Why would Obama take away such a simple freedom? With passing of the bills, Americans will be assigned primary care physicians who then will assign patients to specialists, if needed. It is up to the “gate-keeper” which specialist the patients sees and when. Of course, the choice is to be made on which route is the most “cost-effective” (Tully). The situation only gets worse when primary care physicians deny patients care, and still get paid. Another freedom Obama’s Health-Care bills will strip from Americans is the choice of high-deductable coverage. Currently about 5 million Americans take advantage of Health Savings Accounts (HSA) offered by their employers (Tully). These work when an employee puts money into the account, requiring the employer to make an equivalent deposit. Employees use Health Savings Accounts to pay for high-deductable coverage plans which, in turn, they use to cover several-thousand dollar medical bills. With high-deductable plans, patients are to cover regular doctor visits themselves; HSAs help cover these bills as well. The proposed bills cause great concern to HSA participants for the simple fact that they will no longer be able to choose a plan with “stripped” benefits. To rub salt on an open wound, John Goodman of the National Center for Policy Analysis says, “The government could set extremely low deductibles that would eliminate HSAs.. And they could...