National Health Insurance

To quote Margret Thatcher “socialism is a great idea till you run out of other people’s money.”

Statements from Washington like “Pass the bill today and we will fix it later” scare the daylights out of me and reflect the mentality of how our leaders solve problems.

Yes there needs to be changes in health care delivery, however our politicians are not approaching the problem in a business-like manner. They are ignoring the core of the real problems that have created our dilemma. They are doing this more to satisfy their own ego.  If this national health concept is suppose to be such a great idea, then why are they forcing it down our throats and then telling us if we don’t want to play their game, we are going to fine you, penalize you, etc. “ (Free Choice!!!!”Was that a privilege we once enjoyed?)

Let’s examine some of the underlying core problems we have with this health care reform bill being discussed.

But before we move forward, we need to understand some basic and simple economics:

So let’s go to Economic Class 101>>>>.Here is Lesson number one—Please write this down in your notebook.  “There is only 100 cents in a dollar.” Yup, that’s what I said, there is only 100 cents in a dollar, and I know it is hard to believe. If there is anyone out there that can dispute this fact, please let me know. So let’s please keep this fact in mind as we continue on, unlike the people in Washington who totally ignore this basis fact.

Many people continue to badmouth the health insurance companies

Certainly the big issue today is the high cost of health insurance, and the fact that people cannot afford it, which results in so many uninsured. But are the health insurance companies really creating the problems we have today. The answer is no.  Our politicians seem to want to ignore the core issues of this dilemma. Slapping a band aid on the real problems is not a solution. So let’s take an in depth look at the health insurance companies and why our health insurance premiums have gone up. Just so everyone knows the increasing premiums are not created by some CEO that felt like raising the rates.

Insurance companies are only the messenger

Personally, I think we need to quit putting all the blame on the health insurance companies. They are only the messenger. The message they are delivering (higher premiums) is because of all the other problems in our health delivery system and our society.  Those core problems should be addressed first, before we start talking about any national health care.

See Part 2 on the National Health Care Bill

The main aspects that play a part in young drivers car insurance are the location, gender, driving record, mileage on the car and the type of car. A car that is being driven in a busy area will be more costly while the driver’s driving record if good will ensure lower premiums. Females are generally thought to be more reliable drivers and can get insurance at a lower rate and if the driver has a low mileage of use then too he or she will be eligible for a discount. Getting as many discounts as possible is the key to cheap car insurance for young drivers.

In addition to the above there are certain other factors that impact the insurance premiums. Continuous coverage for a period exceeding 30 days, short driving distances, higher deductibles on physical coverage of a vehicle and the reduction of billing fees all play their part in reducing the final premium. Therefore it is up to the young car driver to decide on what is important and design the insurance coverage accordingly. Going for an affordable insurance may mean lower coverage and if a young driver goes for this type of policy he should ensure that he will have the option of upgrading to a better coverage in time.

The young car driver can also take advantage of other factors that will allow him better insurance coverage. If the car is fitted with safety devices which are approved by the insurance company the premium can be lowered. A driver who has a defensive driver certificate or an unblemished driving record will also be able to get a good discount on the premium.

Young drivers car insurance falls into a category that is considered to be high risk due to the reputation of fatal accidents among young drivers. The best way to get car insurance for a young driver is to shop around and this can be done online. It is best to compare insurance company quotes as at times the difference in them can easily mean a saving of hundreds of dollars. The best insurance quote can be obtained by a young driver by providing the relevant details about the car and other related fields. If the insurance provider does not have enough details to give the quote it will be done by default and this could turn out to be costly.

Having more than one type of insurance cover from the same provider is often the best way to get a good discount. If a young driver finds it difficult to get the needed coverage he should opt for lesser coverage in selected areas and ask for the option of being able to upgrade to a better insurance coverage with time. The more experience a young car driver is able to show the lower the premiums will be as long as the driver has a clean driving record. An insurance company will willingly give young drivers car insurance if he or she is known to be safe and careful in his or her driving.