If You Like Your Health Plan You Can Keep It But....

If you like your health care plan you can keep it and if you like your doctor you can continue to see him. This is the BO mantra. He starts out every health care speech with this statement as he thinks the more he says it the more it will be believed as the truth. But let me tell you the real deal. BO is absolutely telling the truth, however, he is leaving out a critical part and only revealing half the statement. He is right in that in Obamacare you can keep your health paln/doctor but what he fails to mention is that is going to cost you more and possibly a lot more to do so. You see, these lawyers such as BO are trained to use the English language to deceive. They purposely make comments that are half truths and incomplete so that they cannot be accused of lying in the future. They are experts in the field of verbal deception. He purposely leaves out the second sentence that the cost to keep your plan/doctor may be prohibitively expensive because he knows this would be unpopular and kill the plan. By creating a system of government health care, private care would be comparatively more expensive and this will de facto force more people into the public plan on an economic basis. BO can later claim he was telling the truth, that you can keep your plan. Bur he fails to mention only if you can afford it.

As an employee either your employer will provide health care or he will have to pay a penalty to the government so the government can supply you with health care. Lets take the first situation. Your employer give you an amount of money to spend on health care. You go the market place and find that your employer has given you enough money to pay for the public plan (what incentive is there for him to provide more?). In order to keep your existing plan you will have to pay the difference which may be thousands of dollars. So you will have to decide whether you want to spend the difference to stay in your existing plan or opt for the public plan.

The second situation is very similar but instead of getting the subsidy from the employer, it is coming from the government, The subsidy from the government will also likely cover the public plan and you will have to decide whether you want to pay the difference to stay in your existing plan. Again, BO says you can keep your plan but what he fails to mention is that it’s going to cost you.

The other factor is how the cost of the public plan will be determined. The politicians can easily keep it artificially low which will make private health insurance comparatively more expensive requiring greater out of pocket expense to pay the difference. This will make private insurance more out of reach for most people dumping more of the population into the public system.

Truthfully, I have no problem with a competing public plan that is accurately priced. The private health insurance is also broken as too much money goes towards overhead ( CEO salary, advertising, stockholder profits) and too little for medical care. The public plan would force private companies to compete by lowering overhead and premiums. The only caveats are that the public plan must be priced at an accurate level base on its payment of services and overhead. It cannot be subsidized with taxpayer dollars. It must allow providers to participate and drop from the plan based on their reimbursements.

People in their gut know the future of their health care lies in the balance and that is why we are seeing such an enormous backlash. Do not believe you will be able to keep your own plan without great expense. If it sound too good to be true it likely is. Beware the experts of verbal deception.