Why insure cars but not people’s health care?
The Affordable Care Act reminds me of a car I had, a 1965 Ford Falcon. A good car, but it had problems. It was bright red, V8 engine, three-speed manual shift and had a radio. Max top speed was 93 mph.
One day I was driving on a county road and picked up a nail in a tire. I had to make a decision, much as the legislative branch of our government must do soon concerning health care. I call it the “R& R” decision. Option 1: Discard my vehicle and be left with no transportation; not good. Option 2: Replace the vehicle; pretty expensive. Option 3: Repair the tire, which I chose to do. It cost about $1.50 and the car gave me another 20,000 miles with a few preventive maintenance items over the next two years.
If our Legislators put their minds to work together, they could do a little “R& R” on the ACA. Everyone admits the ACA has problems, but does that mean that it cannot be fixed?
It seems strange our laws require us to purchase liability insurance on a car and do not require us to insure our health. I have paid for automobile insurance for 57 years and I do not recollect ever filing a claim. Why not require every person to have health care insurance?
Why does an insurance provider get to decide which state or county they insure? If a company does business in Arkansas they should be required to provide the same level of coverage at the same cost to every resident of Arkansas. Why not nationwide? If I buy automobile insurance and move to another state I suppose my coverage follows me. Why can’t I buy insurance from a company in California and live in Arkansas? Beats me?
Every person from birth to death should be required to obtain a policy that covers basic health care issues such as pregnancy, heart attacks, broken bones, etc. I believe the vast majority of Americans, male and female, during their lifetime will engage in an activity that could result in a pregnancy. Every insurer should be required to provide a basic policy to cover certain health care issues. Automobile insurance providers do this, why not health care insurers? This basic policy should be based upon national statistics with the cost being the same regardless where a person resides. They could provide additional coverage also if a customer is willing to pay the premium.
I believe our elected representatives are obligated to tackle and solve this issue. Thankfully the automobile industry did not quit improving automobiles after 1965. If they had I would not be enjoying air conditioning, power steering, heated seats, remote mirrors and a host of other conveniences.
The ACA should and can become a living piece of legislation when it is frequently reviewed and revised to meets the needs of the American public. WILLIAM A. CARVER Lowell