Fast Track To Government Health Care

[Geee]

Investors Business Daily:


Fast Track To Government Health Care
By GRACE-MARIE TURNER
Posted 08/20/2010 07:02 PM ET

While there is broad agreement there are problems in our health sector that must be solved, the American people consistently have said they oppose government control. Yet many of the decisions now being made in the bowels of the bureaucracy could lead to a government system that people fear.

The consequences of government involvement in health care have become more and more apparent as people have become informed about what the health overhaul law would do. No longer does the government seem to be a fairy godmother but rather a tough enforcer of an avalanche of new mandates, taxes and regulatory requirements.

The assurance that government would make sure all Americans have health care coverage has turned into a mandate that we all must have insurance defined by the government and with the government determining what our "choice" of health policies will be.

The latest example of our loss of individual control over health care decisions is playing out deep in the weeds of definitions over what must be counted as medical care and what counts as administrative expense in health insurance — the so-called "medical loss ratio," or MLR. According to the new law, at least 85% of premium dollars must be spent on medical care for large firms and 80% for smaller ones.

It sounds like a simple and straightforward issue, but a world of challenges and complexity lies beneath the surface. The National Association of Insurance Commissioners (NAIC) has been charged with making recommendations to the federal government about what should and should not be counted in the equation.