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Health Care Reform vs. Unemployment
 by: Dan Balke





I recently saw an interesting article on some of the reactions on the passing of the new health care reform bill. I have no doubt that this bill is targeted solely in helping the poor. But, let’s look at the cost to companies just managing to stay solvent. What happens to their workforce if they close their doors…… more unemployment. I realize that there’s a need in changing our health care system. There may even be some good features in this legislation, but this bill went way over the edge of common sense. We all know that this bill was pushed through by the Obama administration to show that they achieved one of his campaign promises, with no consideration of its cost or future ramifications.

The biggest problem this country faces is not health care reform, its unemployment. Without jobs you can’t buy homes, you can’t buy health care insurance, depression and other health issues are on the increase, and foreclosures are increasing. The one item in this bill that bothers me the most is the requirement that everyone must buy health care insurance. What if someone is unemployed or makes just minimum wage, are they going to be able to pay a monthly health care bill? The basic principle that this country is based on is “freedom choice” and that people need to work…………. not get free handouts. Its obvious that the government can’t subsidize everyone, so who will get the handouts? Again, most of the working middle class will end up with the bill.

Read the article and let me know what you think.

Reacting to the new health care reform law, Virginia Gov. Bob McDonnell signed legislation outlawing the U.S. government from requiring state residents to purchase medical insurance.

Meanwhile, the White House was dismissive of lawsuits filed by 14 state attorney generals, including Virginia’s, who filed two federal court actions yesterday to overturn the new health reform law.

At the same time, Robert P. Hartwig, president of the Insurance Information Institute, said that buried deep in the new federal law are items that could be positives for workers’ compensation, health and disability insurers. Gov. McDonnell signed a measure, passed last month by the Virginia General Assembly, stating in part that no resident “shall be required to obtain or maintain a policy of individual insurance coverage except as required by a court or the Department of Social Services…” The state statute is in direct conflict with the new Patient Protection and Affordable Care Act, mandating that all Americans buy some form of health insurance starting in 2014.

Yesterday, the state’s attorney general, Ken Cuccinelli, filed a lawsuit in U.S. District Court in Richmond, arguing the Virginia law is valid despite the Supremacy Clause in the U.S. Constitution because the federal act is unconstitutional. The action argues that the federal health reform law is an impermissible overreaching of the government’s ability to regulate U.S. business under the Commerce Clause of the Constitution.

Meanwhile, in Florida, a suit challenging the federal law was filed in U.S. District Court in Pensacola by 12 Republican attorneys general and one Democrat. The Democrat who signed on was Attorney General James Caldwell of Louisiana, who said he did so after Republican Gov. Bobby Jindal made a request, which he agreed with. The filing argues that the health reform act is an “unprecedented encroachment of the sovereignty of the states”and has a tax penalty” for the uninsured that violates sections of the Constitution dealing with taxes.

White House domestic policy chief Melody Barnes was quoted by Associated Press as saying of the suits, “Bring it on,” adding: “If you want to look in the face of a parent whose child now has health care insurance and say we’re repealing that…go right ahead.” She also cited the failure of legal challenges brought after passage of Social Security and the Voting Rights Act.

Senior White House adviser David Axelrod yesterday commented that every single major piece of legislation “that’s ever been passed in this country has engendered lawsuits. That’s the nature of our system and we expected that. We’re not concerned about these lawsuits.”

Mr. Hartwig noted that the majority of states have not sued, and he said he believed that legally such a challenge is “a steep uphill climb.”

Some insurers may agree and some may disagree with the legislation, “but ultimately every industry is going to adjust to the new health care bill.”

Among the provisions that insurers should appreciate, he said, is one that allows them to charge smokers 50 percent more for coverage. “They have to pay more, [just] like a bad driver,” he noted. Another provision provides that employees enrolled in a company wellness program or meeting certain health standards can get a 30 percent reduction in premiums, which could prove a benefit for disability and workers’ comp insurers if it prods employees to improve their health and lower their number of claims.

“The American work force is a ticking time bomb. In many states the majority of the work force is overweight,” which produce more medical coverage claims, he noted. Gov. McDonnell, signed the Virginia Healthcare Freedom Act at 3 p.m. with Attorney General Cuccinelli and members of the General Assembly present. He later issued a statement noting that, “The Act was passed with bipartisan support, in sharp contrast to the narrow straight line partisan vote that enacted the federal health care bill on Sunday night. Virginia’s Healthcare Freedom Act received the votes of leading Democratic Senators, as well as the Democratic House Minority Leader. It was an important step to sign this bipartisan legislation today.”

For additional related articles, go to my website at http://investments-in-foreclosures.com

About The Author

My name is Dan Balke. I’m a licensed Wisconsin realtor with Green Bay Real Estate and an investor looking to work with you on either marketing or purchasing your property. I generally concentrate in the Fox Valley area (Green Bay, Appleton, Oshkosh, Wisconsin), but will consider other areas as well.

* As a Wisconsin realtor I am committed in helping you sell your property in the shortest time possible and still get a satisfactory price for your property, or work with you to find the home of your dreams. Green Bay Real Estate is committed to giving their clients the most reliable and honest service in the area. Visit us at http://www.greenbayrealestatellc.com

* As an investor I’m looking always looking for problem properties. I call them alligator houses– properties with negative cash flow and/or negative equity that eat cash each month. Worst of all you cannot get rid of the cash-eating-alligator because it has no equity and you would need to write a check to get rid of it! What I do is negotiate with your lender to make an affordable payment and then take over those cash-eating-alligator houses. As long as I can negotiate a payment that works or an equity situation I am happy with I am willing to take your cash-eating-alligator off your hands. What I offer is a no-lose proposition for you. If I can negotiate a good deal with your lender I will take responsibility for the house, if not you are in no worse position.

* In addition, I owned and managed investment (rental units) property for approximately 15-years with approximately 15-18 years in the private sector as project manager. Therefore, I am well qualified to assist any of my clients as a property manager.

For more information contact Dan Balke at (414) 704-8031 or (920) 405-9900 Ext 112.
The author invites you to visit:
http://investments-in-foreclosures.com

 


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