Health Care Inovation Can Solve Crisis

What is wrong with our health care system? To be short, nothing. What is the downfall of our health care system? To be short, government.

Why do I say that? Because government has pretty much eliminated any way for the average person to develop new systems and profit by it. The insurance industry as a whole, is the most regulated industry in our country. Within that industry is the health care and health insurance industry, which is probably the most regulated part of the insurance industry.

Look at it this way. The government gives your employer (not you) a huge deduction for providing health care coverage for you. But only health care. Your employer wont get incentives to offer you car insurance. Your employer wont get government incentives to provide you with legal insurance. In fact you employer wont get government incentives for providing you with most benefits. The only one is health insurance.

By regulation, the government has also made it nearly impossible for the average person to shop around and get health insurance coverage on their own. You don't have the opportunity to shop around for health care coverage like you do auto insurance. You can get great deals on home owner or even renters insurance but you cant get deals on health care coverage of the same magnitude.

Government also makes innovation nearly impossible in health care coverage. Not just anyone can start a health care company. Not just anyone can innovate health care and bring it to market. Lets take a look at legal insurance.

I do not endorse or recommend any of the companies I may mention in this article nor do I have a direct financial stake in these companies.

Pre-paid legal is a Multi-Level Marketing company that provides a sort of legal insurance plan. You can join the company or just purchase the plan from a company member and you will be covered for many legal matters, some of which there is no additional out of pocket cost. Sort of like an HMO for the legal set.

This type of company could never exist in our country with todays laws and regulations. You could not have a true MLM company providing health care coverage. Say what you will about the MLM industry but it has revolutionized many industries in our nation and is responsible for billions of dollars in sales annually.

Take a franchise system. You can franchise just about anything in our country except health insurance. You already know that franchises in our country are hugely successful. They account for about one third of our total GNP. Sure there are some form of franchised health care companies like Health Stop but those are not like a McDonald's or a Rust Check. You have to be a medical professional to have one and they are not insurance plans.

Of course there are all kinds of discount programs out there. Even an MLM version is available. It is called AmeriPlan. But it is not insurance.

You can franchise a real estate company, even though everyone involved needs to be licensed to sell real estate. You can MLM personal financial advise as with Primarica even though all participants who actually sell the stuff have to get financial licenses. You can franchise insurance companies themselves such as State Farm but again you must be licensed.

So if we can franchise other industries that require a license then why can we not franchise, MLM or otherwise open up the health insurance industry so that innovation and competition take hold. So that the American people will have a true choice about their health care. Why do we not have the freedom to chose our health care like we do with just about every other aspect of our life?

The simple answer is government. Get the government out of it and you will see innovation, improved services, lower cost and more people able to afford to access the system. Now that was easy.

The Real Democrat

I often get asked why it is that I so hate liberals and Democrats. First of all, I don't hate anybody. Liberals are the ones who hate. Now, I can dislike a person. I can hate what they stand for. I can hate what they do. But I do not hate them.

Secondly, I am part Native American and part African American (thats Indian and Black to those of you in the south) and lets face it for the most part, the white man has not been very kind to my people. So if there is anyone who could hate another group of people, I guess I could hate whites. But then I would be hating part of myself because I'm also part French and Irish.

That leads me to my next point. In this country, unless you or your family came here within the last 50 years or so, it is very likely that you are a self contained United Nations yourself. Very few of us are "pure breads". Most of us have a mix of ethnicity within our veins. Many of you could have Black in you or Indian in you and not even know it. So in truth when you hate someone because of their skin color or their features, you just might be hating yourself.

Now that leads me to why I don't like liberals or Democrats. It is also why I am totaly amazed at the support that so many groups give Democrats. Especially Hillary Clinton and John Edwards. Now you must know that Native Americans in general do not vote. Why? Because they distrust all white men and for good reason. Just look at their history with the white man. Not good at all.

Which leads me to ask why do Blacks and Homosexuals support Democrats so much. Lets face it folks, who was in charge of the South when slavery was alive and well? Democrats. Who instituted the "don't ask, don't tell" policy in the military? Democrats. Who pushed and signed for the defense of marriage act? Democrats. Who created the welfare state and destroyed minority families and left a total mess in the inner city? Democrats. Who controls our education system that is falling apart? Democrats. And most importantly for Blacks, which party had the most KKK members in it before Civil Rights? Democrats. And finally, who was it that stood in the way of Civil Rights the most especially in the South? Democrats.

So why should I support Democrats? They have not given me any reason to do so. They have shown me by their actions that they look down upon me and my people. They have shown me that they still feel superior to me and my people. The constantly act to keep me and my people down but try and disguise it as help. No, I do not like Liberals and Democrats. I do not like them in hats. I would not like them near me. I would not like them to take care of me. I do not like them at all. For a Democrat in the White House is the begining of my fall.