The Affordable Care Act is supposed to “provide me with greater savings and increased health care” (quote by our secretary of health and human services). If this is true, why did I receive notice that my health care premiums will be rising 14 percent in 2011?
In reality, there are no savings for me. My premiums will now pay for the new plan, including coverage for adult children and “free” preventive screenings. The insurance companies want to start recouping predicted losses that will occur when Obamacare takes full effect in 2014. As usual, the consumer pays the price.
I am no politician, but I propose that we give financial incentives to encourage healthy lifestyles. The insurance system could operate much the same as auto or homeowner policies. A person striving to maintain good health would be rewarded with lower premiums (i.e., lowering blood pressure or blood sugar levels, maintaining healthy weight, etc.) The elderly or those with inherited diseases would receive extra advantage based on unavoidable circumstances.
Why should we provide free health care to those who make no attempt to stay healthy? Let’s encourage the reverse.