Most of us are drivers and have had to purchase auto insurance at one time or another. We are also bombarded with TV commercials for auto insurance almost every day. The one theme that seems to come thru on all these adds is that you can save money if you are a safe driver. Most of us know of people who have had a lot of accidents and have made numerous claims to their insurance companies. In the case of the very good Allstate insurance add, they state that, "for every year you do not have an insurance claim, your premium goes down". They want to encourage you to be a safe driver and thus to save money. They have clearly fashioned an insurance policy that rewards you for responsible behavior. Doesn't all this seem very logical? Well, logic has been thrown to the wind when it comes to Obama Care.
I was just talking to one of my liberal friends and they feel that it is just great that Obama Care makes insurance companies cover people with pre-existing conditions and also covers their kids upto age 25. What these liberal friends don't seem to get is that there is no "free lunch". I think that, due to Obama Care, it is against the law for an American insurance company to offer you a "Good Health Discount". If you have been taking good care of your health all your life and don't smoke, for example, it does not count. You can not be rewarded for responsible behavior as with auto insurance. Can you imagine someone crashing their car into a tree and then going down and expecting the insurance company to give them a policy without checking the condition of their car? I didn't think so. Well, this is exactly what we have with Obama Care. How about drug addicts or people who have contracted AIDS by having unprotected sex? Should these irresponsible people be rewarded by getting the same rate for health insurance as someone who has been responsible and taken care of their health?
Obama Care is just the tip of the iceberg. At a time when we need to reward responsible behavior in all areas, we seem to be doing just the opposite. Look at your dog, if you reward him for chasing cars or biting people, he will keep doing it and may even get worse. Same with your kids. As parents, we know that encouraging irresponsible behavior only makes things worse. We all love our kids, but there are times when, as a parent, you have to give them "tough love". You must know as a parent that "tough love" is difficult and as hard on you as it is on your kid, but you know it has to be done. Isn't that what we are talking about here? If the USA is going to make it against the world wide competition that we face, we are going to have to start conducting ourselves more responsibly. That means rewarding good behavior and punishing bad behavior. It seems like the word punish has almost been stricken from our vocabularies as has the words personal responsibility.
Obama Care is a shot across the bow in the way that it appears to reward bad behavior. We need to start taking responsibility for our actions and not claiming that we are victims and thus not responsible. We have to stop expecting our richer harder working neighbors to pick up the tab for our misconduct. In all insurance plans, we always, on average, pay in more than we get back. Why is it that many people feel that they can save money by purchasing insurance? I see the adds on TV all the time. It is like the state lottery. Don't people know that it is stupid to buy lottery tickets? Next you will see that Obama Care will be selling lottery tickets to save the medical system.
When will we start to admit that we have had enough and start acting like adults?
PS, I just thought of this. My liberal friends are the only ones who I know who purchase lottery tickets on a regular basis. Strange how things seem to come together.
