Jan 18, 2010

What a Healthcare Insurance Exchange Does for You

What does healthcare insurance reform mean to you?

By Bob DeMarco
Alzheimer's Reading Room

Generally, people are confused and angry about healthcare reform. I know a lot of smart people, and they are clueless as to what healthcare insurance reform means for them. Let's make it simple, they have no idea what is going on. They can't figure it out.

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Surprised? You shouldn't be. This is how the country is run these days. Most programs are designed to benefit major campaign contributors. In the case of healthcare reform the money is flowing.

Each of our elected officials that receives campaign monies from healthcare insurance company has a conflict of interest. Anyone that claims they can vote with a clear conscience when they are receiving money from a company that benefits from pending legislation is either lying or in a state of denial. Influence is the name of the game, and influence is spelled M-O-N-E-Y.

Let's put it this way. If I started sending you a big check every month and I asked you to vote a certain way on an issue, you would most likely vote with me. Of course you would consider this, if you don't vote the way I suggest -- no more monthly check. At this point, you are more interested in your personal well being then you would be in the collective interest of the many.

Now, lets say I am sending you a really really big check every month. You decide you will share some of that check with others. When it comes time to vote, you remind everyone you are sending them a check. You might remind them behind a closed door that the check might not be there in the future if they don't vote the way you want them to vote. M-O-N-E-Y.

Lets say, thanks to my check you have a really nice job, with lots of influence, perks, and jobs you can give away to other people that are then going to send you more checks. M-O-N-E-Y.

In order to keep your really nice job with great perks (and great healthcare insurance) you need to make sure those checks keep coming in. If those checks don't come in it is very likely that you will need to find a new job. No one likes to think about being unemployed, especially when they have a really great job with lots of perks. N-O-M-O-N-E-Y.

Under this scenario, discussing issues is not really important. Trying to decide what is the best solution to a problem is not important. What is important is to make sure that the people writing the big checks remain happy. M-O-N-E-Y.

Now you don't want everyone thinking you are doing what you are doing for money. You want to make them think you are doing what is best for them. The easiest way to do this is to start blaming. Blame everyone you can. It is all their fault that a problem is not getting solved effectively. Not "my" fault.

This is known as diffusion of responsibility. When diffusion of responsibility takes place, no one is to blame, and everyone is to blame. The American public bends over.

Now to the real purpose of this article.

If you would like to try and figure out how a healthcare insurance exchange effects you -- go here and use the calculator. You'll find out if you qualify for government subsidies also. I ran several different scenarios and was surprised to learn the outcomes.

When you start checking you will probably find that the house bill is better for you than the senate version of the bill. You might start wondering why? Here is a guess. Because it is easier to influence a hundred people (100) then four hundred and thirty five (435)?

My opinion on healthcare reform might surprise you?

This is a very good first step. I would rate it glass a quarter full. We are heading in the right direction.

A smart man understood you cannot go from A to Z in one step in this country. So instead he accepted from A to D. Some people might find that disappointing or unacceptable. They should ask themselves why everyone else that tried before him left us with glass empty.

If you want to lose a 100 pounds of fat, you have to lose it one pound at a time. If you try to lose 100 pounds fast it won't happen. If you do it one step at a time working slowly, relentlessly toward your goal you might make it -- someday in the future.

We shall see.

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Bob DeMarco is the editor of the Alzheimer's Reading Room and an Alzheimer's caregiver.

Original content Bob DeMarco, the Alzheimer's Reading Room