Blaming the "UNINSURED"

My local Sunday paper contained more columns by people blaming the medically uninsured for all our healthcare problems.

I agree that these so called uninsured do use the emergency room (very expensive) for all their aches and pains and leave without paying. The hospitals / clinics are forced by law to offer treatment, even at no charge.

Patients with health insurance are billed excessively just to cover the costs of treating the uninsured. Insurance premiums just keep going up and up.

So who are these dastardly uninsured that are causing all these problems in our health care system?

Well, we know that they are too wealthy to apply for MEDICAID and too young to be on MEDICARE. They obviously do not receive health insurance from their employer and obviously do not purchase health insurance on their own.

A recent study by Blue Cross Blue Shield of Michigan found that out of 1.1 million uninsured in Michigan, 176,000 lived in households with an income of over $75,000 and 187,000 live in households with annual incomes over $50,000.

Many of the uninsured are 19-25 year olds that are no longer covered by their parent's health policies but cannot afford to buy their own coverage and feel that they are young and healthy enough not to need any health coverage (which age group has the most accidents).

I feel one reason why the uninsured do not purchase health insurance is that the only insurance policies available are VERY EXPENSIVE. This is because our State government has some stupid law that forced insurance companies to offer only policies that covered basically everything thus expensive!

An uninsured person would be more apt to purchase a insurance policy if it was affordable and offered options from basic coverage to super deluxe. Also policies for healthy 19-25 year olds that reflected the fact that they ARE young and healthy and were cheap, cheap.

Even with affordable, smart policies some if not more of the uninsured would still say, hey, I can get health care for free by just going to the ER.

Well, here is where we need some balls - MAKE HEALTH COVERAGE MANDATORY. Yes, just like you need auto insurance to get a license plate, you will need health insurance to see a doctor or you will be directed to a special clinic where you will be treated and then arrested - or something -don't have that part quite figured out yet.

Janusz