If you like your private health insurance plan, you can keep your plan. Period.Well, no you cannot. The media has often backed Obama on this assertion, but nothing is further from the truth. This is an overt lie, except in the childish sense in which he can say this in the context of a short period of time. The law does not take effect immediately, so you can keep the insurance you like until then. Or, in some cases you can keep your insurance for up to 5 years. But, most Americans will not be able to keep the insurance they now have into the slightly longer term future. Period. Do not take just my word for this, but read Michael Tanner of the Cato Institute on this here.
According to the House bill HR3200, an approved plan must cover
- outpatient hospital and clinic services
- services by physicians and other health professionals
- supplies and equipment incidental to their services
- prescription drugs
- rehabilitation services
- mental health
- substance-abuse treatments
- preventive services, a list of which will be determined by the Centers for Disease Control and Prevention and the U.S. Preventive Services Task Force
- maternity, well-baby, and well-child care
- dental, vision, and hearing services for children under 21
- additional requirements set by the Health Benefits Advisory Committee
70% of those now covered by a health insurance plan get that plan through their employer, and all of these plans will have to meet the federal requirement in five years. This means your plan will change. Of course, your plan may also change because the new legislation is predicted to cause as many as 89.5 million workers to lose their coverage from their employer, according to the Lewin Group.
Many others will lose their current plan because it is a high deductible plan. This was the kind of plan I had in the earliest years when I started my business. It was all we could afford for my family at the time, but it served us well under the circumstances. Now, such high deductible plans are often very beneficially combined with Health Savings Accounts, which the new bills will almost eliminate. The new bills do not allow high deductible plans, since they require that 70% of claims be paid by the insurance in the House bill and that 76% be paid by the Senate bill. No deductible or co-pay is allowed at all for preventive care! So, you lose this kind of plan, no matter how well it suits your needs!
Seniors on Medicare can participate in the Medicare advantage program and 10.2 million now do so. This program may be ended by the Obama - Pelosi - Reid bills also.
So, "If you like your health insurance plan, you can keep it" is a blatant socialist lie, in the great tradition of the Big Lie Told Over and Over Again of the fascists and the communists. Besides which, the dedicated socialists define the truth as that which leads to socialism, so they really do not think this is a lie. But, those of us who live in the real world, must recognize this as the cruel and brutal fraud it really is. And we are not the ones who say, "It depends on what the meaning of 'is' is." We will leave that otherworldly nonsense to the socialists.
Those of us who recognize our own existence and our own uniquely individual characters and lives, must be adamant in demanding our right to exercise control over our life, most necessarily including our individual control over our personal health.