by Joseph Veca

Created on: June 07, 2008

The short answer to the question is "NO"; insurance companies do not need more government regulation, unless you are interested in paying even higher insurance premiums.

Current regulation require individuals to pay for benefits they don't want, force insurance companies to take customers they don't want. (A practice that is already pricing healthy people out of the insurance market.)

If a politician or pundit thinks an insurance company should accept everyone who applies, then he or she can start their own company and operate it that way. If it is as easy as think it is, they'll make a fortune. Of course, no politician or pundit will do that because; it is much easier to give orders and utilize governmental force than cope the real dilemmas of life.

Anyone who cares, and I do mean really cares, about people who can't get insurance because of pre-existing conditions can contribute to a private charity that would cover such people by providing either insurance and/or medical care.

What we need are real reforms, not bureaucratic dictation and more regulation. They will lead to better medical care at lower cost. You will be able to select the insurance policy that's mot appropriate and most economical for your family. You'll be free to deal with the doctor of your choice. You won't be priced out of insurance because of government mandates.

I wonder what Thomas Jefferson would think of the current health-care debate. He and his colleagues fought a war to rid themselves of a king who made their decisions for them. The fought to establish the first nation whose guiding principle was freedom from government.

But today our "protectors" in Washington DC are busily scheming to take away our power to bargain with our employers or employees, the freedom to choose your own doctor, the freedom of obtain the kind insurance you need, the freedom of doctors to set their own fees (just as politicians do), the freedom to obtain the kind of insurance you need, and the freedom to live your own life and be responsible for yourself.

I'm sure the politicians think Thomas Jefferson is looking down upon them with approval. After all, it was he who wrote the immortal words:

We hold these Truths to be self-evident, that all Men are created equal, that they are endowed by the Creator with certain unalienable Rights, that among these are Life, Liberty, and Health Insurance You Can Never Lose.

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