The Siege on Short-Term Health Insurance: Biden’s Assault on Choice and Freedom
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Despite its protective facade, President Biden’s proposed crackdown on short-term health insurance policies, or short-term, limited-duration (STLD) insurance, isn’t merely about healthcare. Rather, it is a menacing assault on a foundational American tenet: the right to choose.
In the buzzing world of health insurance, President Joe Biden has taken an ominous step into the spotlight. His plans are not simple alterations, but a direct challenge to the autonomy of Americans. With his hawk-eyed focus on short-term health insurance policies, denigrating them as “junk,” Biden is not just attempting to redefine healthcare policy – he is launching an assault on the spirit of freedom that birthed this country.
To truly comprehend the severity of this issue, we must delve into the history of STLD policies. Born out of the Affordable Care Act (ACA) of 2010, they emerged as a counterweight to government-controlled, taxpayer-subsidized policies. Initially, Washington restricted STLD policies to non-renewable 3-month plans, a stranglehold on public choice. The Trump administration, however, expanded this boundary, enabling policies up to 12-months in duration, renewable for three years. This shift empowered millions of Americans, offering them a lifeline against the expensive and restrictive ACA insurance.
Yet, Biden is attempting to strangle this lifeboat. He wants to outlaw STLD insurance policies, labeling them as scams and junk. The implication? A gut-wrenching attack on the liberty of Americans to decide for themselves, a chilling echo of a centrally controlled economy.
Americans are free to buy junk bonds, including government ones. We are free to buy junk stocks and junk cars. We even revel in junk events. So why not have the freedom to choose what kind of health insurance we want? Shouldn’t we, the public, be able to discern junk from jewel, scam from savior? We, the individual Americans, are better judges of our financial decisions than any bureaucrat in Washington.
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In NFIB v. Sebelius, a landmark case in 2012, the Supreme Court invalidated Obama’s individual mandate, deeming it unconstitutional to force Americans to purchase what the government commanded. However, the current administration seems keen on sidestepping this ruling, nudging the public into buying only what Washington deems acceptable. Biden’s endgame? If you want medical insurance, you’ll have to abide by the diktats of the powers that be in Washington.
What seems to be forgotten in this high-stakes political drama is the essence of insurance itself. Insurance is a way to manage risk, a safety net in case of unforeseen circumstances. Whether it’s a house fire, a flood, or a car accident, insurance is meant to protect us from the unpredictable brutality of life. In 2023 alone, the average family is projected to expend $30,065 on healthcare costs, with over 80 percent going directly into the pockets of insurance companies. As consumers, we should have the say on how to spend our hard-earned dollars, not the government.
Time and again, the free market has triumphed in offering a plethora of high-quality products and services at competitive prices. However, this system only thrives when consumers are given the autonomy to decide where and how they spend their money. By contrast, a centrally controlled economy stifles competition and innovation, leading to sky-high prices and subpar service quality. Without a free market, we face a grim future: picture a scenario reminiscent of the U.S.S.R., with endless waiting lines for toilet paper, shoes, and even medical care.
Unfortunately, this isn’t just a poorly-conceived policy decision. It’s a piece of a larger, more nefarious picture. The handling of the CoViD situation, with its lockdowns, mask requirements, and mandatory injections, is an example of government overreach. These stringent measures are direct affronts to our constitutionally guaranteed freedoms.
By law, regulation, and proxy, the federal government has been chipping away at medical autonomy. It is not doctors or patients who decide on medications, but a pharmacy benefits manager. Health plans, not physicians or patients, decide on procedures, their timing, and necessity. Underneath the weight of these restrictions, our healthcare system groans. Despite astronomical costs, Americans languish in queues, waiting for much-needed care. It’s death by queue.
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The ACA attempted to commandeer all health insurance decisions. Trump, however, expanded public choices by including longer STLD health policies. Biden, in a pushback, seeks to reverse this progress, attempting to extinguish the right to choose one’s insurance.
The time is now to halt this overreach and reassert our medical autonomy. We, the people, should be free to select whichever insurance policy suits us best. After all, what might be one man’s meat could very well be another man’s poison. Let us not forget: preserving choice is not just about healthcare; it’s about preserving the very essence of our democracy.
2 Comments
You had reported that Biden & Harris were arrested but i don’t see any confirmation of this happening anywhere . And yes i know it is not the real Biden ! So how can you report this ? This would even be on all fake news if this was true !
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