The March 31 deadline for enrolling in Obamacare is coming! Millions of Americans have already lost their own private health insurance policies. Many more are facing rising premiums for their current plans. Small businesses are already facing tax hikes. And all of this because of the costly requirements of the new healthcare law.
Rep. Mike Rogers, R-Mich., asked a pressing question: “Why punish the 85 percent who have earned health-care coverage under their employer to cover the 15 percent who do not?”
But punishment is exactly what Obamacare has done.
So now we, as both consumers and patients and providers, face a difficult choice. To enroll or not to enroll —
Here are 10 reasons for not enrolling in Obamacare:
1. Wrap-around (or catastrophic plans) can cost less than Obamacare Bronze plans.
And with this money left over, you can afford a personal direct care physician.
2. The Obamacare health insurance policies limit your choice of doctors.
With a free market approach, insurance companies will compete to give you more value at a lower price. Your direct care physician should find these companies and help you negotiate for the right coverage.
3. The Obamacare health insurance policies limit your choice of hospitals.
For example, several major state-of-the-art, internationally known cancer treatment centers are excluded.
4. Your out-of-pocket costs will skyrocket.
The new Obamacare health insurance policies double and triple the deductibles you must pay before coverage actually kicks in.
5. Your medical privacy is lost when you enroll, and your medical information becomes controlled by government agencies.
Trust is always involved when you hand your vital information over the anyone. However, why the government needs to know anything about your medical history baffles us. They’re not a doctor. Why do they need to know about your past?
6. Your personal financial and health information may be seriously compromised by the security flaws in the Healthcare.gov website.
There a multitudes of outspoken sources citing flaws with healthcare.gov.
7. You are at risk of identity theft by providing your personal information to the “Obamacare navigators.”
Yes, it’s been revealed that a significant number of Obamacare navigators have criminal backgrounds. No, thank you. Also, why are we trying to fix healthcare with something so cumbersome, we have to spend money hiring people to help us sign up? A business run this poorly should go out of business!
8. Obamacare enrollees are finding trouble canceling their plan if they want to switch to a better option.
Red tape is a hassle in two ways — it makes everything more expensive, and it sticks to you when you want to get rid of it.
9. Obamacare policies are “managed care” with limitations on your options.
Yes, and there are financial incentives for your doctor to restrict your care.
The new insurance policies being offered have fewer choices for doctors and hospitals and they cost more for most people. And this situation is totally confusing. However, the many reasons to avoid the government-run “exchanges” are very clear-cut.
But by deciding not to enroll patients will have to pay a penalty, or tax, as the Supreme Court called it. Matt Drudge has already filed his taxes as a small business and paid what he’s coining a “Liberty Tax.” So what to do?
Here’s the game plan for a direct care alternative:
1. Purchase a very high-deductible, catastrophic medical insurance policy.
Remember, it’s health insurance. It should be used in the event of things you can’t predict — cancer, auto accidents — and not for things you can predict, like yearly physicals and ongoing prescriptions.
2. Use the savings in premiums every month to put money into your self-funded “medical expense savings account” that you control.
HSAs as they are called help you control how you spend your money on healthcare. And many times they are not taxed.
3. Find direct care near you.
Check out our map of clinics offering direct care. Direct care doctors offer 24/7 access and handle anything from physicals to urgent care needs. Some offer wholesale prescriptions that are cheaper than insurance copays. And they will help negotiate manageable prices for MRIs and CT-scans.
Abraham Lincoln said: “You can’t make a weak man strong by making a strong man weak.” That is exactly what Obamacare does: It weakens those who take responsibility for their health, forcing them into a one-size-fits-all wealth redistribution scheme that restricts care to government-approved choices at a government-dictated price. But there’s a better way — direct care.