Posted by
CKHustler on Saturday, March 27, 2010 11:48:30 PM
What is the easiest way to convince someone of the truth? One way is to prove beyond a doubt, wherein they also have to run dry their excuses for it not being true. Believe me when I say this, a liberal will say anything including "well I know Im right" when it comes to this approach. If you don't believe me, I have a post way back on this blog where I was arguing with others about national healthcare. He actually said "show me what you want but what I believe I believe". (This would be
here for anyone wondering) Another way is for you to say something is going to happen before it does, and it actually comes true. Beck has basically risen to his status because he has done this. The conservative movement has the opportunity to do this here with the healthcare bill being passed. We know the dates everything goes into effect. We know what exactly will go into effect. We know how it will affect the market and insurance companies. We know how it will affect the consumers. We know the future.
Earlier this week, Rush had Stacy on again, who is an employee for an anonymous insurance company working out of Atlanta. She started calling in around 6 months ago (I think) and informing Rush on what was happening behind the scenes at her company. She has been predicting that her company would last 3-5 years under the healthcare plans there were being introduced from congress, but this week she was much more melancholy than usual. Her prediction was within 3 years her company would go under and the insurance business as a whole would go along with them. She stated that the free preventative care would hurt them. She stated all the pre-conditions would hurt them as well. However, the main reason she quickened the death of the insurance market is the 85-15 rule being implemented in this signed bill.
Previous to this bill, insurance companies had to stick to the 65-35 rule. This means that 65% of their premiums had to go towards claims. The other 35% went towards everything else in running a business(salaries, equipment, property, etc...) as well as keeping some in reserve in case a large number of people suddenly made claims. This could be true of say when Katrina hit. Many people were suddenly using their health insurance and companies needed to have a reserve fund for these occasions. To stray from the 65-35 rule meant the business would be considered unstable and could be shut down.
The new bill implements the 85-15 rule meaning 85% of the premiums will go towards claims. What does this mean for the price of insurance? It is obvious that insurance companies will not be able to lower the cost of running their business much, if at all. If they could lower the costs, they would have done so already, for profit motives, however we already know their profit margins are very low, so there is very little room for change there. So the previous count of 35% must now be jammed into 15%. How will an insurance company run their business on 15%? They will need to collect more premiums and make sure they payout more per claim. The must now collect 2.33 times as much in premiums for their new 15% to equal the old 35%. With people getting free preventative care, that will help in rising the number of claims, but getting to 85% will not be done with those alone. I predict that they might inform doctors of their predicament and doctors may charge more, allowing insurance companies to pay more per claim. I am not sure if there are other outlets for insurance companies, but I do not see any from my point.
These new rules however, do not go into effect until January, according to Stacy, so we will not see the effects to this until after the next elections. The pre-conditions do not go into effect until after the next presidential election, as well as much of the other changes from the healthcare bill.
We must get this information out now to as many liberals as possible. No need to convince them now, but plant that seed. If we do nothing to inform them, when the insurance companies raise rates and collapse shortly after, they might say good riddance for raising the rates and ask for single payer. Get them thinking now about what will happen in the near future, before it happens and they will remember your words. Know precisely what is going to happen and speak with detail about each step. Care not if they believe you, but get them to listen. We all know insurance companies will collapse at or before 2014, so lets get the word out.
"All that is necessary for evil to
triumph is for good men to do nothing" Edmund Burke