Health Care Mandates

If you want to know what Hillary has in mind for you with regard to health care, consider the situation in her state. New York spent $48 billion on Medicaid last year and this is about $2,100 for every man, woman and child in the state. Despite this, 13.5% of the state's population still lacks health insurance. In neighboring Pennsylvania, $1,300 was spent on each resident and the uninsured rate was 10.5%. One reason for this disparity is the mandates which New York imposes on insurance companies that raises rates to levels which are unaffordable. For a policy not purchased through an employer, New Yorkers have to pay about $1,400 per month for a family policy. This is about twice the national average because of mandates. Here are some examples of New York style health care.

1. Insurers have to sell a policy to anyone who will pay for it regardless of health status. The result is the really sick wait until they need it to buy and this elevates the cost to levels which prevent the healthy from buying policies. Why pay when you are healthy when you can simply wait until you are sick.

2. Every state requires policies to cover basic care, but New York requires insurers to cover such things a chiropractic , fertility, and mental health services which, of course, drives up the cost of a "basic" policy. There are a total of 52 such services mandated by the home state of the smartest woman in America who is also it's Senator and wants to devise a plan for you.

3. If you are a young, healthy adult in good health, there are policies in other states which can meet your needs for about $100-$200/month depending on age and gender. In New York, the young people are too smart to participate in the liberal concoction of health care being advanced by their Senator Clinton. The problem faced by the young people in the U.S. is any effort to provide health care for everyone will require young healthy people to subsidize the older, sicker part of our population. No other way.