GOP Congressmen Dodge Question on Constitutionality of Eliminating Caps on Health Insurance Benefits Friday, January 21, 2011 By Nicholas Ballasy (CNSNews.com) — Two Republican congressman, Rep. Lamar Smith (R-Tex.), the chairman of the House Judiciary Committee, and Rep. Dave Camp (R-Mich.) would not comment on the constitutionality of “eliminating annual and lifetime spending caps” on health insurance plans as proposed in the House Republicans’ “Pledge to America.”http://www.cnsnews.com/news/article/gop-congressmen-won-t-comment-constituti#

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H/T Sal: The GOP’s “The Pledge to America,” has it all wrong. We should not be trying to “reduce the number of uninsured Americans.” In fact, it is the massive use of insurance that drives up the cost of healthcare for everyone.

The argument favoring insurance is, “health care costs too much,” however, the insurance industry itself sets the price. They want to make health care expensive, thereby forcing us into purchasing insurance. It’s tremendously expensive to operate an insurance company. There are shareholders who want big profits, the company’s officers make millions, they have huge office buildings, employ a fleet of lawyers, and there are lawsuits that they have to pay. They afford these things with our “health care” dollar. Their fiduciary responsibilities are to deny health care claims wherever they can. Furthermore those clinics that control our doctors and nurses, also have to pay for specialized receptionists who know all about insurance, claims adjusters, and medical coding specialists. Obviously these are all administrative costs and aren’t related to health at all! Does anybody seriously believe that funding the entire insurance industry with our health care dollar makes health care cheaper? Our politicians seem to think so, but then again they take money from the insurance lobbyists as campaign contributions. The media seems to think so, but then again they are heavily sponsored by insurance companies who can withdraw that sponsorship at any time. The public is thereby being deliberately misinformed as to the value of insurance.

Common sense would tell us that it is more expensive to pay for healthcare AND insurance than it is to pay only for the healthcare. The insurance itself is an unnecessary added cost that is being forced upon the people of the United States by the Obamacare bill. Forcing everyone to pay for their healthcare through some third party payer such as an insurance company costs everyone more, not less. Insurance is not free, and it is not a necessity. Insurance is a parasite on the doctor patient relationship, siphoning billions of dollars from, not only doctors and patients, but from even potential patients, and in fact, from everyone if we allow mandatory insurance to stand. The government wants to get it’s hands on that healthcare insurance money. That is why the government is pushing so hard for insurance reform, it wants to “reform” health insurance into an arm of the government.

If a person is uninsurable and still needs, but can’t afford, expensive healthcare, then that person should be allowed to appeal to the government for assistance. It is pure dereliction of duty for the government to put off it’s obvious obligation in such a case, and place it upon some private insurance company, forcing it, and incidentally all of it’s customers, to pick up the tab for that unfortunate person.