President Obama is trying push through a government funded Universal Healthcare plan. This plan will use taxpayers’ money to fund medical coverage for anyone in the United States.
Personally, I don’t like it, I don’t want to see Government supplied health care. I don’t go to the doctor’s very often, I rarely feel ill and take care not to damage my body when possible. Don’t get me wrong, I don’t think I am invincible or can’t become ill, but I am making the point that I don’t use my health insurance that often. That being said, I don’t want to be paying health insurance premiums (by way of taxes) for someone else who uses it considerably more than I do because they do not lead a healthy lifestyle or take more dangerous risks than the average person.
What I would like to see is more people taking the responsibility for themselves. Rather than forcing everyone to pay for everyone else’s health care, I would like to see more options for the individual that understands the need for health care, but would rather not pay for something as restrictive as an insurance policy. I for one would love to switch to a Health Savings Account (HSA) and a High Deductible Insurance Policy (HDIP) where I pay about the same, but the money to cover my high deductible goes into an account held at my bank. This means, that whatever happens, as long as I continue doing banking with my bank, I have that HSA built up as money to cover my own health expenses.
Better yet, I would like to see more banks come up with their own form of voluntary Health Savings plan for individuals who would rather just put all of the money they would normally pay for insurance premiums into a savings account that can only be used for medical expenses. That way, medical expenses are completely funded with one’s own money and can be taken along wherever you go. This would be good for individuals with or without jobs, employed or self-employed because it would offer the option of not paying, but still having health coverage when times are hard.
Providing education and expecting responsibility is always better than being “mother” to everyone and doing everything for them.