Comments on: Health Insurance Reform http://www.floridahealthinsuranceweb.com/blog/health-insurance-reform/ Mon, 16 Nov 2009 18:44:15 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Bud L http://www.floridahealthinsuranceweb.com/blog/health-insurance-reform/#comment-131 Bud L Mon, 15 Sep 2008 15:24:15 +0000 http://floridahealthinsuranceweb.com/blog/?p=244#comment-131 Frankly, I don't think many understand the full fabric of the health insurance INDUSTRY in this country, myself included. Much of it is regulated by insurance commissioners and legislatures in each state. Each state mandates different benefits. Some insurance companies opt out of doing business in some states as each must garner state approval with regard to their offerings. Insurance agents must be licensed by each state in which they do business. Consumers who may have figured out their health insurance alternatives in NJ, for example, have to learn them all over again in FL when they move here. Insurance company underwriters are assigned to specific states so as to conform with their respective regulations. It is immensley complex. And, the states do a terrible job of informing and educating the consumer. We all live in a Federal Republic and politically the issue of State's Rights are on the line with this one. Admittedly many of our institutions are "broken" - as in unresponsive to the needs of our citizens at both the state and federal level. They both have a huge stake in the regulation pie - the power to regulate will not easily be abdicated. It will take the cooperation and compromise of all players to rationalize our health care system. And that is not going to happen without a ground swell of outrage from the populace and courageous leadership to implement reform. People have to be stopped from falling through the cracks of a broken system. Frankly, I don’t think many understand the full fabric of the health insurance INDUSTRY in this country, myself included. Much of it is regulated by insurance commissioners and legislatures in each state. Each state mandates different benefits. Some insurance companies opt out of doing business in some states as each must garner state approval with regard to their offerings. Insurance agents must be licensed by each state in which they do business. Consumers who may have figured out their health insurance alternatives in NJ, for example, have to learn them all over again in FL when they move here. Insurance company underwriters are assigned to specific states so as to conform with their respective regulations. It is immensley complex. And, the states do a terrible job of informing and educating the consumer.

We all live in a Federal Republic and politically the issue of State’s Rights are on the line with this one. Admittedly many of our institutions are “broken” – as in unresponsive to the needs of our citizens at both the state and federal level. They both have a huge stake in the regulation pie – the power to regulate will not easily be abdicated. It will take the cooperation and compromise of all players to rationalize our health care system. And that is not going to happen without a ground swell of outrage from the populace and courageous leadership to implement reform. People have to be stopped from falling through the cracks of a broken system.

]]> By: Randy http://www.floridahealthinsuranceweb.com/blog/health-insurance-reform/#comment-127 Randy Fri, 12 Sep 2008 17:23:30 +0000 http://floridahealthinsuranceweb.com/blog/?p=244#comment-127 The key factor is decreasing cost. Most Americans can't afford insurance and as other expenses such as gas and food continue to increase, even less Americans are going to be able to afford it. What is the solution? If it was that easy, I guess it would already be done. The key factor is decreasing cost. Most Americans can’t afford insurance and as other expenses such as gas and food continue to increase, even less Americans are going to be able to afford it. What is the solution? If it was that easy, I guess it would already be done.

]]> By: JohnF http://www.floridahealthinsuranceweb.com/blog/health-insurance-reform/#comment-126 JohnF Fri, 12 Sep 2008 16:57:48 +0000 http://floridahealthinsuranceweb.com/blog/?p=244#comment-126 The fact is, the government put us in this situation and there really is no easy way out. There have been proposals after proposals after proposals.....and they all stink. Why do they stink? They stink because the people writing the proposals haven't really spent the time to understand the entire market. When reading some of these proposals I am absolutely baffled. So before we try and figure out what the answer is on the test, we need to go to class, do the homework and read the book. The fact is, the government put us in this situation and there really is no easy way out. There have been proposals after proposals after proposals…..and they all stink. Why do they stink? They stink because the people writing the proposals haven’t really spent the time to understand the entire market. When reading some of these proposals I am absolutely baffled. So before we try and figure out what the answer is on the test, we need to go to class, do the homework and read the book.

]]> By: Bonnie http://www.floridahealthinsuranceweb.com/blog/health-insurance-reform/#comment-125 Bonnie Fri, 12 Sep 2008 16:13:09 +0000 http://floridahealthinsuranceweb.com/blog/?p=244#comment-125 I think cost is the bottom line. Health care is ridiculously overpriced because it is a neccessity for life. Its like price gouging in a hurricane for things like water, that we can't live without. If people would stop preying upon one another, than we wouldn't have these problems. Its fundamental to human nature though to take advantage of any situation to get ahead, even if its at the expense of someone else. If health care wasn't at such a high premium, insurance premiums wouldn't be so high. I think cost is the bottom line. Health care is ridiculously overpriced because it is a neccessity for life. Its like price gouging in a hurricane for things like water, that we can’t live without. If people would stop preying upon one another, than we wouldn’t have these problems. Its fundamental to human nature though to take advantage of any situation to get ahead, even if its at the expense of someone else. If health care wasn’t at such a high premium, insurance premiums wouldn’t be so high.

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