Nick Coons, the lead plaintiff in the Goldwater Institute’s lawsuit against the health care reform plan, seems to be misinformed about the insurance requirements.
I am an insurance agent and my understanding is that an insurance exchange will be set up to offer a variety of coverage options for small business owners like Mr. Coons. I haven’t read anything that says high deductible plans will be eliminated. He will be free to choose a $5,000 deductible plan, but that plan will be better than what he has now because it will be required to cover preventive care that is not subject to a deductible.
With regards to Mr. Coons’ concern about insurance companies having his medical information, I have some news for him. When he applied for health insurance, he gave the company permission to access his information — and it was available in a central database. Any insurance company, with his permission, can access his medical history. And if an insurance company to which he applies for coverage should look deeper and request medical records from his doctors (with his permission), that company might find a reason to reject him. This rejection information will go into a central database, so if he applies to another insurance company he will be red flagged — and possibly rejected automatically.
My point is that health care reform is not changing anybody’s access to his information. Big brother is already out there — and it’s the insurance industry.
One more thing: If Mr Coons or his wife or his child should be diagnosed with diabetes or some other illness, he might change his tune. He’s healthy, so he was able to get health insurance. But what about an entrepreneur with a great business idea who has diabetes? That person is uninsurable. Or what about a small business owner who has a child born with an illness that makes that child uninsurable? Until the reform law was passed this year, a child born with an illness could be refused coverage by his parents’ insurance company. This is something that has already changed due to the reform law.
I don’t know the details of Mr. Coons’ health insurance policy, but it sounds to me like he has a weak case that is based on misinformation and paranoia.
Denise Early, Tucson
Letters policy: Click here to submit a letter. Please be brief (no more than 300 words) and type or print name, address, city and phone number for verification. Comments may be edited for clarity and length.