Affordable Care Act exactly the opposite.

PositionHealth Insurance - Patient Protection and Affordable Care Act

If a $600 per month insurance policy costs an individual $33, what does it really cost? Answer: $600, with $567 less in purchasing power for the taxpayer who is subsidizing it, stresses physician Alieta Eck, cofounder of New Jersey's Zarephath Health Center, a free clinic for the poor and uninsured.

"When we buy any type of insurance, we weigh the benefits of the policy against the loss of the money we must put out to purchase the policy. When we ask the taxpayers to subsidize our policy, all such reasoning disappears," she asserts.

"For many reasons, we have allowed health insurance to defy all the principles of insurance. We have actually been duped into thinking that someone else ought to pay for all the health care we need. Politicians gain support and votes when they assure the masses that they care about their health, and insurance companies are more than happy to offer generous policies since commissions and CEO compensation are a percentage of the premiums.

"Never mind the premiums approach the price of a home mortgage--we want the best, especially if we can convince others or the government to pay for it. Insurance, by its very nature, invites overuse, especially if the deductible is low. Health insurers figure out ways to minimize their losses, so they tie the...

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