WARNING TO CUSTOMERS OF BIG BUSINESSES

A Republican “dirty tricks” ad that really bothers me says that Obama blatantly lied to the America People. The ad states, “They knew Obama's ‘you can keep your health insurance’ promise was a lie. But they forced ObamaCare on YOU anyway.” Because the ad reflects on what is so fundamentally wrong with American business may attention was called to it. Of course, the ad is disingenuous. Obama did say, “If you like your insurance policy you can keep it”, which to everyone surprise turned out not to be true.

To evaluate what happened, let me first explain why what he said turned out not to be true. The Affordable Care Act has a provision that honors all existing health insurance policies, with the proviso that they are genuine health care policies.  We all know there are insurance companies that sell policies at a low premium but the policies do not provide even minimum coverage they are fraudulent policies. Of course, any responsible government program would not pay for such policies. What was unexpected was the massive number of those policies on the American market but also, that the companies selling those polices were so well respected. Every swindle has clever aspect; the policies were cheap, were sold by reputable companies, and those who bought the policies were told they were good policies; the purchasers thought they had found a good deal. The affordable care act specified minimum provisions for a policy to qualify to be covered under the affordable care act. In other words, the government was policing the industry, which is something businesses, like bank robbers, do no want because the prime job of the government is to protects the consumer from their fraudulent practices of the rich and powerful. The authors of the Affordable Care Act, but especially our president, had no idea they would uncover such a widespread practice, thousands and thousands of fraudulent policies. In addition, the companies realized the game was up so they started cancelling polices they knew were inadequate. Like magic, it was suddenly not company fraud but was the fault of the Affordable Care Act that policies were being cancelled. People liked their health care polices because they had been told they were good polices and they were cheap. However, it is not like car you use everyday, health care insurance is use only when you try to use it do you find out it is fraudulent. After you are bankrupt, by a medical need, it is too late. The premium you paid for many years disappears into the bowel of the insurance company to be lost forever.

The Affordable Care Act uncovered many other deceptive and downright fraudulent practices as well. Including but not limited to failure to pay for preexisting conditions, hidden deductibles, and policy maximum written in “legalese” the small print. We all know the drill; it was written correctly in the policy by a very expensive attorney right there in the policy that you read and signed, and a judge tells you it all “honest” and “legal” as he evicts you from your home to be sold to pay your medical bills—don’t worry the insurance company already got theirs.      

To see legitimate business people advancing this ad calling Obama liar should be a warning to their customers, even if they do not practice such practices in their own stores, manufacturing industries, and other businesses, they condone them. Keep you guard up; just because they are big does not mean they can be trusted. Lust for profit does strange thing to the human mind.  

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