Wednesday, September 23, 2009

If I were in charge of healthcare reform

Those of you who have followed what I have been saying for years, know I am oposed to the Government in control of really anything. I hate going to the post office and the DMV. I certainly do not want them running my health care system. We need to fix the Medicare system and social security system first.

But since it is a hot topic, let's discuss.

Most of us drive a car. Most states mandate that we carry at least the State minimum car insurance. If you carry collission, towing, car rental that UPGRADES your policy. If you have more assests you need more liability coverage.

What if Health Insurance was mandatory at a "Minimum" Maybe the minimum is a $10,000 deductible catestrophic plan only. I am looking at a plan right now for a 40 year old male in the Chicago area $58 per month.

What if everyone was REQUIRED to purchase at least that. Now if you want to upgrade your insurance to a $1500 Deductible with doctor visits and prescription, that is up to you. The price now jumps to $200 per month, but that is for the coverage that you feel you need.

There is a way to do this where no one really gets hurt, not the hospitals, not those of us who have insurance who pay an average of $1000 per year more to cover the uninsured. And not the tax payer who would be paying for the $ Trillion health care reform we are talking about in Congress. By the way I do not see much difference in $800 billion vs $1 Trillion. Both are a high amount of taxes to be paid for years.

Sometimes common sense is all we need.

Eric Wilson is an insurance agent in the Chicago . He can be reached at 888-448-5370 or online at You can e-mail Eric at