In the debate on healthcare one of the chief arguments being given by the Obama administration is that the government option will be voluntary and those who currently have coverage will be able to keep it. It is also claimed that this is not an effort to do away with private coverage, but to care for those who cannot currently afford coverage. A few days ago I downloaded a copy of the bill (all 1000+ pages). I did this because whenever someone tells me that the bill says this or that, in this section or that, I like to go directly to the source and find out what it says or does not say.

In perusing the bill I found section 102: Protecting the Choice to Keep Current Coverage. This section must not be missed by anyone who considers this issue. In this bill those who have current coverage will be allowed to keep it. However, 102(a)(1)(A) forbids those offering coverage from enrolling any new clients on or after the first day the law goes into effect. This means that you can keep your coverage, but anyone who does not have coverage will be put into the government system with no option for private insurance.

When this happens the insurance companies will find that they have all the customers they will ever have. They cannot expand their businesses and according to 102(a)(3) they can never raise rates on those who are covered or according to 102(a)(2) can never change what they do or do not cover. This last one also prevents them from entering into any new cost-sharing arrangements to reduce costs. The companies can never expand, or raise rates to offset inflation or higher expenses. The only time a new policy could be written is when someone with private insurance, before hand, changes policies.

Understand what this means, if this bill passes those who are not covered by private insurance will have no choice but the government system—none other can be sold. Those who have coverage can keep it until the company goes out of business or they lose or drop the coverage another way—job change or economic downturn. Once this happens they too will be on the government system, for life, and the government that has proved its inefficiency and incompetence in so many areas will be able to let us down where it matters most. Higher prices, rationing, lower quality and early death for millions will be the legacy of this president. How’s that for Change!