If insurance providers are forced to cover every applicant without regard to health conditions, premiums must be increased for everyone at a drastic rate or they must go out of business.

Life insurance companies charge more premium dollars for 70 year olds than for 20 year olds for the same coverage. Any insurance carrier in any sector that can no longer manage risk will soon fail. No company can stay in business spending more money than they take in. Unfortunately government can and they are.

There is a myth that government can provide free services. Every good or service must be paid for by someone. The costs of research and development and getting the product to the consumer is done by humans who too must eat and have shelter. If the person who receives the benefit does not pay others must pay for him or her, there is no free ride.

I prefer to do my charitable giving through my church, another non profit, or to someone I know. I don’t like doing it by taxation.

1. Premiums will be so high few can pay them.
2. Or, insurance companies will fail and taxes will go sky high so the government run system can stay afloat.

Either way the average working folks are on the hook for the bill.

We need real tort reform. There should be realistic limits on court awards, frivolous suits should be a crime punishable by stiff fines and jail time. This alone would drastically lower health care costs and insurance premiums for everyone. Doctors could reduce overhead by as much as 1/3 the next day after the bill was signed into law.

Medicare, Medicade and other government providers are riddled with abuse, corruption, and theft to the tune of billions annually. You will never see any serious investigation by congress on this.

So long as we have D.C. officials dictating what hospitals, doctors, and insurance companies can do we are in big trouble.