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Health Care Reform – Democrats Admit Premiums to Rise

Today, the New York Times reports Democrats are scrambling to prevent the predicted health insurance premium increases that are coming for millions of families as a result of their big government health care Insurance Reform overhaul. Just one month after becoming law, Democrats, “fearing that insurance premiums may shoot up in the next few years,” are attempting to “fix” the new law that they promised would make health care more affordable. Unfortunately, when it comes to fixing health care, Democrats invariably rely on giving the government more authority and control.
Americans and Congressional Republicans have repeatedly cited the rising cost of insurance as their number one concern related to health care, but after spending one trillion dollars, cutting Medicare by one-half trillion dollars and increasing taxes by over one-half trillion dollars, the Democrats’ health care reform overhaul law fails to make insurance coverage more affordable. The Congressional Budget Office (CBO) has repeatedly warned that the Democrats’ plan would increase health insurance premiums, something the Democrats now realize, as reported by the New York Times. Conversely, CBO predicted the Republican Alternative would actually lower health insurance premiums without increasing the deficit, cutting Medicare, or raising taxes.
Impact on Individual Health Insurance Market Premiums in 2016
Under Various Democrat Proposals According to CBO
Proposal
Change in Health Insurance Premiums Compared to Current Law Projections
Senate Democrats’ Bill (H.R. 3590)*
$2,100 increase
House Democrats’ Bill (H.R. 3962)**
$1,900 increase
House Republican Bill (H.R. 4038)***
$1,050 decrease
President Obama asserted that under the Democrats’ scheme, “you’re going to be able to get lower costs.” The President and Congressional Democrats also promised under the new law seniors’ Medicare would be unharmed, middle class taxes would not go up and the law would not increase the deficit. In the rush to score a political win, what else weren’t the Democrats being forthcoming about regarding health care reform?…

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Understanding the Law of Large Numbers – Part 2

Insurance companies have many different ways to determine what the cost of a policy should be. For example, a particular individual living in a certain place, which is of a certain age, and drives a certain kind of car.
One way that some people pay less in insurance at a younger age than others is that they have a record of safe driving for a number of consecutive years. This can lead to very inexpensive car insurance for you if you don’t get into accidents and don’t get tickets. The insurance company can offer a lower cost of policy due to the fact they don’t have to worry about this particular driver getting into an accident. This is a reward of a certain kind for people who are good drivers.
Let’s look at an example in health care insurance. It might be more risky for a four person family to try and self insure themselves, due to the fact that one of them might need a surgery later in life. If this were to happen, then the family could be in serious financial trouble. The family could try to estimate the costs of their medical bills based on what they have had to pay in the past. They could also compare to other families and what has been average for them. This could work, but it is very risky due to how much medical bills can cost in today’s world.
If the family were self insured, they would be the only resource to cover the bills that were accumulated. On the other hand, if they had insurance, then they have someone else that will step up to bat for them, just as long as they pay their bill each month. There is really no way that any individual can tell when or if they will ever get hurt. This is something that we just can’t do. Our best option is to try and find affordable insurance for ourselves and our families.…

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Migraine and Nutrition – Is There a Connection?

For your migraines, nutrition may just be the answer you are looking for. With all the processed foods we eat on a daily basis, lack of pure water to drink, all the chemical drugs we take, and lack of good restful sleep we get, no wonder more Americans are suffering with migraines and constant headaches. So, even if you are trying to eat ‘all natural’ and ‘organic’, our soil has been so depleted from minerals our diets are still lacking.
Headaches or migraines can be triggered in a number of ways. We were told to eat this and not eat that or stay out of the sun or learn relaxation techniques, but nothing stopped the migraines. We had to do our own trial and error to see what MIGHT help ease or eliminate those headaches. What I have found to be the main cause for migraines is a lack of proper nutrition, plain and simple, but the truth. What we put in our bodies does matter. So you are suffering right now with a migraine, what are you going to do? Anything to ease the throbbing pain. I know, I have watched a migraine sufferer for years, it didn’t matter what the long term side effects were, just stop the pain. Now you have just added more chemicals into an already stressed body and the migraine is still here. Have you ever been there?
We needed to find a headache solution that was safe and natural, something that works with your body, not against it. Something that is absorbable at the cellular level, where your body could start to heal itself. It was not easy getting to this point, but we have. A simple-to-consume, powerful liquid, full of antioxidants, vitamins and minerals, tested and proven.…