Please consider donating to Behind the Black, by giving either a one-time contribution or a regular subscription, as outlined in the tip jar to the right. Your support will allow me to continue covering science and culture as I have for the past twenty years, independent and free from any outside influence.
Finding out what’s in it: The Obama administration and health insurers are discovering that, because of the high cost of health insurance forced on consumers due to Obamacare, those consumers are improvising ways to “game the system”.
The article describes a whole range of tricks citizens are discovering that allow them to get insurance companies to pay for their health costs while paying those same insurance companies as little as possible. This example, which is not the focus of the story, encapsulates for me the entire insane nature of this monstrous law, forced upon us by Obama and the Democratic Party:
[Insurance companies] note many people have figured out they need pay for only nine months to get a full year of coverage. An enrollee might buy an ACA policy, get their health needs addressed and then let their coverage lapse — without having to pay the penalty for being uninsured.
It is only going to get worse. By not letting the free market function, the government is forced to ration care and impose restrictive rules, which people naturally try to improvise their way around, either legally or in a black market. The solution proposed in the article is even more restrictive rules and rationing.
The only real solution is to dump the whole thing and go back to the basic American principle of a free market. Such a system carries risk, but it forces the industry and the citizenry to find the most efficient solutions. It also depends on a very radical concept: personal responsibility.