Democrats are using HR 3200 to, they hope, make sweeping changes to the TRA of 1986. There are an ungodly amount of references listing corrected, amended, revised, and deleted sections to the TRA, not all of which are easily deciphered to see if they even apply to healthcare reform.And what else that's not healthcare related is in this healthcare bill? Well a lot of organizational structure for the Organs of the Healthcare State:
This is an operations manual, in effect, for a new insurance company called America, Incorporated. And like new companies, the business model is not solid yet: so instead of specifics about how the company will make money, re-invest capital, or lower costs, it’s filled with SWOT analyses (strengths, weaknesses, opportunities, and threats), and detailed descriptions of jobs, roles, and tasks such as bill collection, arbitration, information technology, and so on.And how the mysterious Health Insurance Exchange (HIE) will lower (some) costs:
Of course, this really isn’t a start-up company. It’s the federal government, so it will become a health benefits provider in exactly the same way the United States Armed Forces is a security service, the USPS is a private courier, or the FBI is a speed-trap cop.
It’s basically a stock exchange; but instead of stock, it’s insurance plans that are bought and sold. Insurance companies can throw their basic, advanced, and premium insurance plans into a market exchange. The government then picks the cheapest and best plans to incorporate into America, Inc.’s new offerings. Is your plan too expensive? If so, America, Inc. doesn’t take it. If yours lower than your competitors’? We’ll take a look at it.The Czar has a much stronger stomach than I, and he's reading through the whole mess. If you liked the "stimulus" bill, you'll love the healthcare bill. Go read it, right now.
This is the first real concept of how, theoretically, costs could go down,because it means that America, Inc., only selects the cheapest plans of all those submitted into the marketplace. Of course, an exchange only works to lower some cost because other costs go up. The implication here is that the government would always take the lowest costing offerings, meaning private insurers get stuck with more expensive ones. Ergo: private insurer premiums will go up in the HIE.