Interesting how the Republicans and the Blue Dogs are framing the debate over health care. Without a government option I don't really see what the point is - or does this become a bail out for private insurance companies?
It is morally wrong that the quality of a person's health insurance is almost completely dependent on who they happen to be employed with. Obviously in the current employment environment, a company does not have to compete too hard on the benefits front - of which health care is a major factor. The companies that are responsible and generous enough to offer health care find themselves fighting the rapidly rising costs as well. So you have companies actively encouraging younger people to take high deductible policies on the assumption that they are healthy and won't need the benefits. However, I would think that this merely kicks the can down the road by having less money in the system to cover people who do end up having to use the insurance.
Another way that companies encourage a reduction in health care costs is by asking employees to be "smart consumers" of health care benefits and to live healthy lifestyles. Healthy lifestyles is always a good idea but not something that can or should be enforced - unless it is hands off my health care but hands on my life. Also, as I have stated before, you cannot be a smart consumer of anything if you cannot know the cost until well after you accept the service.
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