This seems to be the hot topic of our upcoming Presidental election, but it seems a lot of people are missing a few points.
I have expressed my hate for Michael Moore, before, but damn if this movie (that I haven’t seen) making waves. I would urge you all to find and watch the show 20/20 did on the topic of universal healthcare. I think they gave a pretty fair and balanced overview of the topic. They even talk to Michael Moore and I think they brought up some very interesting points, like maybe if he dropped a few hundred pounds he, too, could live a little longer like the Canadians he keeps comparing us to.
I have nothing against Canada or it’s people, but I don’t think that their healthcare or universal healthcare is the right choice for America. First, we broke away from England because we were ruled in everything we did by a country an ocean away. We wanted to have the freedom to practice our religion, develop a government that would not tax us to death and be involved in every aspect of our lives. I know there is more to the American Revolution than that statement, but what I hear most is that Americans what the government out of their lives, but then they expect the government to take care of them. You can’t have it both ways.
This brings me to my second point, the creation of the welfare state. When it was started the purpose was to help Americans, currently living through the Depression, get back on their feet. At presence, the system is now worked until it is bled dry and many believe it is their right to get money to their lives from the government. Again, I have nothing against people on welfare or food stamps. Food stamps helped us, and many others in the Katrina affected area, in those months shortly after the storm. I believe that these programs should be a stepping stone to people supporting themselves, but we have generations of people happy to stay on the program with no end in sight.
America has become a nation of spenders instead of savers. We have learned from a couple of experiences, Katrina being one, that this is not a smart way to live your life. We feel that there will be no problem and the government will take care of us. The problem is that the government has a big say in how they take care of us. My problem with this is that the government took 5 days to get water to the Superdome. After the debacle that was FEMA during Katrina, I don’t think I am comfortable with having the government telling me how they will be taking care of my medical issues.
I want the control in my and my family’s healthcare. I haven’t always felt this way. I use to be happy with having my employer taking out my taxes and paying for my healthcare, then I married a self-employed man and learned that when you are paying you have more control. I like that. We currently have a high deductible insurance plan. We have had a high premium plan, that costed us, as family of 3, over $1000 a month. We were still responsible for dental, vision and prescriptions, but we were able to see the doctor for only $20 a visit. Now, we have a much lower premium a month and a health savings account where we can draw out money for medical expenses. Sure we have to pay for full doctor visits, prescriptions, dental, and vision until we meet our deductible, but once it is met we go to a 80/20 split. Still it is not the best plan, because I do have to deal with the insurance company, and I hate dealing with the insurance company.
In my view, the best plan would be to take all those premimums I pay every month (and I am talking, car, home, fire, flood, medical etc)and put them in a Moneymarket account. Our money could earn money and when we need it, there would be no fighting anyone to get it. In no way am I for the insurance companies and I have had my fair share of arguments with them. At least once a year, for 4 years when my premimums would go up about a $100 a month, until I just accepted they were going to bleed us dry without a clear possiblity that they will ever pay out if needed. The point being that if I had saved those premimums when the time came I could take my money, fix whatever and move on with my life. I wouldn’t have to spend precious time standing in lines, waiting on hold and trying to figure out, obivious mumbo jumbo that was meant to confuse us.
Many will say that it is easy to save when you make a lot of money. Well, first no matter how much money you make you are never safe from a finiancial disaster. Second, no matter how much money you make you can save, but when you save you give up other immediate graftication items. I am not sure Americans are ready to make that scarfice. And let’s face it, most people are not so unlucky that tradegy strikes them all the time. The last major hurricane to hit our area, before Katrina, was over 40 years ago. Imagine the amount of money people could have saved during that time, in case of a major hurricane. Sure we never know when a disaster will strike, but as we have witnessed even with insurance and government help we are still left broken and dissatisfied. I think we should do more to take care of ourselves and if the government happens to help than we can count it as lagniappe.
And if anyone still believes, even after the California wildfires, that the government can handle a major natural, or otherwise, disaster I think you should come down and talk to a few people who have gone through the system and are still living in a little tin box that the government so thoughtfully gave them, but we, now, think might make them sick. Not to mention, that they are still not in their homes, have schools, or other public works 2 years after the storm. Just a thought.
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