These were the words of our President when talking about the health care plan. Some folks have made a lot of hoopla about the changes in the health care plan. Missouri lawmakers failed to create a health care exchange so everyone in Missouri will not really enjoy the benefits of the health care reform bill. However, the Missouri state lawmakers fail to think of one important provision of the law. The law is mandatory in 2014 just like the car insurance law that was designed to increase competition and protect us from those people who do not have car insurance. The makers of that law and this law had this crazy ideal in their heads that somehow making people have to have insurance would lower the price for all. They were not right about that law and we all had uninsured motorist coverage. I guess we all still fail to take off that sort of coverage due to the fact that people still drive without insurance.
The law does create some tax breaks for small business owners who would like to offer their employees’ health coverage. The only problem is that the law that needed to be enacted was to require business owners to offer health insurance to their employers. This was something that in the good old days of Clinton being president was something that your employer would pay for you without any money from you. This is the main problem with the law the fact that many have forgot that health insurance was a benefit that you received when you proved to your employer that you were worth keeping. Now, the unions are being skeptical that they will be able to keep their health insurance plans in place when the new law is put in place. This is one of the many fears that some have about the final step in the plan that goes into effect on January 1, 2014. The one bad idea about the plan is that it causes all rich or poor to purchase health insurance and those companies that refuse to offer their employees’ health insurance plans will be faced with every employee searching for a company that does offer this benefit that use to be just a part of your employer telling you that you made it past the probationary period that they all have for new hires.
The whole reasoning behind the health care reform bill was due to the many people who lacked health insurance and had a steady job who were probably not too happy about the way a person who does not have health insurance or a steady job gets to go see the doctor for free while the working man fights off the doctor with a lot more than an apple a day. Now, the law requires that all people receive the ability to buy affordable health care coverage. The one catch is the same with the auto insurance law in that the more people who are required by law to have health insurance will somehow drive down the costs of being able to afford health coverage. Only time will tell if they are right. Many of the measures passed by the Affordable Health Care Act were so great acts by Congress that we failed to think about one thing that comes next year. If your employer does not provide you with a group health care plan and you are not on public aid you will be required to purchase it or be penalized when the tax man or some other person at HR Block or you yourself does your taxes at the end of the year.
Obama told the union workers and everyone who was skeptical about whether or not they would be able to keep their current insurance plan that they will be able to keep their current insurance if they like it. Only time will tell if he is right. However, the fact of the matter is that in the good old days of President Clinton you would receive health benefits, an employer evaluation, and a raise if you were a good worker. Now in the restaurant industry everyone gets paid basically the same rate and the company reduces cost by failing to give overtime, health insurance, and paid vacation by promising things that the company never delivers upon. Health insurance use to be part of the things you received after the first six months or year of employment. Now it is so high and expensive that they will have to tinker with the law they passed before they truly come up with a good way of keeping health insurance affordable. Only time will tell if their decisions will benefit us. The one thing I do know about this bill is that having mandatory car insurance sure did not make my rates go down and we would not all keep that uninsured or underinsured motorist coverage if the law did what they expected it would do. Sometimes trial and error is the only way to fix what seemed like a problem that was way too big for any one administration to conquer.