Every time a costly mandate is added to health insurance it eliminates more families who are on the borderline in their ability to buy health insurance.

State mandates have always and continue to negatively impact citizens and their ability to find affordable health insurance in any state.

The addition of autism as a state mandate will eliminate another 25% or more of families from the health insurance roles in Michigan.

 In the State Senate hearings family after family is being paraded before the committee to state their case. They all clearly state, that the cost is $4,000 or more per month to care for an autistic child.

Now consider the most conservative estimate of the number of children who are born with autistism.

The number is 1 out of 100.

With a population of 100 families with two children each, there are two autistic children. This adds a cost of $100,000 to the cost of insurance for the 100 families. Add administrative fees, etc. and each family is now paying over $1,000 or more per year for their health insurance.

If you use the higher estimate of five children per 100, you add $2,500 or more to each family who wants to buy health insurance.

 Why would any sane business owner continue to provide health insurance for their employees? How can any family afford this dramatic increase to their health insurance bill?

 This is as bad as Obamacare and I cannot believe, any objective person is unable to see the unintended consequences. 

Many of those reading this will say, it is cruel and how will these children get care?

If you buy your own health insurance, or if you are a small business owner, just send a $2,500 check for yourself and each employee to the state.

Louis Isabell



March 1, 2012

The government and the dozens of agencies created or enhanced by Obamacare, continue to stumble through the law, creating more and more regulations and indirect taxes. Obama’s latest mandate that all organizations must offer contraception is a direct violation of the 1st Amendment in our Constitution. Whether this will or will not stand will eventually be decided by the Supreme Court. The fact that all Supreme Court Justices and the President take an oath to uphold the Constitution becomes more and more of a mute point. With a President who regularly finds ways to bypass or disregard the Constitution it appears that his oath was to him a formality only. Now we have one Supreme Court Justice, Ruth Bader Ginsburg who told an Egyptian TV station that she would not recommend the U.S. Constitution as a model for Egypt’s new government.
It is very apparent that they have no intention of living up to their oath of office. This is what the framers of the Constitution feared; a return to the tyrannical actions of governments in Europe telling their citizens what to do all their lives, including what to believe when it comes to God.

Beginning in October 2010, once each month Standard & Poor’s, a division of McGraw-Hill Companies that publishes financial research and analysis on stocks and bonds, now publishes a set of Healthcare Economic Indices. These indices are “designed to provide an independent, timely estimate of the rate of change in the total cost of healthcare in the United States.”

S&P Healthcare Economic Indices take some time to develop, meaning the figures for the 12-month period ending October 31, 2010, have just been released. The indices show that health care costs have risen 6.70% for that period, down from 7.32% for the 12-month period ending August 31, 2010.

Standard & Poor’s publishes an approximately 30-page introduction to their Healthcare Economic Indices. This introduction is available as a PDF by clicking here.

One of the more confusing issues about Medicare is that it was never set up to handle long-term care expenditures. While the plans are certainly capable of handling short-term needs as ordered by a physician, such as in-home physical therapy, home health aides, home safety checks (but not the equipment) and durable medical equipment such as hospital beds and bedside toilets, this is not the same type of coverage as might be supplied by a hospice or other long-term care organization.

An article titled “Seniors and Their Caregivers Should Know Their Medicare Options” outlines considerably more specifics about what is and is not covered by Medicare. It becomes apparent that Long-Term Care insurance is really the way to go in supplementing the supplements so both short-term and long-term needs are met.

The deeper issue is that people do make assumptions about their insurance coverage without actually understanding what it entails. They hear stories or rumors about various plans and, believing what they hear, they think they know what they’re getting into. The only way to understand what any coverage is all about is to speak with an agent or broker who is more interested in educating people than in only making a sales commission. These agents do exist, and it’s important to find one.

Earlier this week the Obama administration announced that employer-sponsored group health insurance plans could have their tax breaks repealed in planned deficit cuts. In an Associated Press article Ricardo Alonso-Zaldivar wrote, “Many economists believe employers would boost pay if they didn’t provide health care. Proponents of repeal usually call for a tax credit to offset part of the cost of individually purchasing coverage.”

During recent contract negotiations involving city workers, a small city in southern Michigan (population about 1,500) was asked to pay the workers an additional $5,000 per year if the employees elected not to enroll in the offered group health insurance plan. This was declined by city negotiators when it was determined the city’s contribution to the plan was no where near the requested $5,000.

The question becomes this: If the tax breaks for employer-sponsored group health insurance are indeed repealed, would it then be more cost-effective for this particular city to drop the employees’ insurance plan and boost their salaries by the requested amount? This is something the Mayor and City Administrator will have to consider.

The Patient Protection and Affordable Care Act of 2010 dictates that individual states will establish health insurance exchanges by the year 2012 and have them fully operational by 2014. Simply stated, individuals, couples, families and small businesses will become part of an immense “pool” of health insurance purchasers of similarly-featured private health insurance policies. This should allow the large pool to negotiate and receive considerably lower premium rates for these policies. These government-operated exchanges should also allow for better consumer protection mechanisms, broader transparency and accountability.

Insurance agents will be able to offer access to these state-run health insurance exchanges through their agencies. One of the more important aspects of going through an agency to purchase insurance from a health insurance exchange is the level of information available from a trained and seasoned agent. An agent will allow the consumer or employer a broader set of choices than looking only at a health insurance exchange. While not likely, it’s still possible a standalone or group policy may actually still be less expensive or have broader benefits than a health insurance exchange can offer. This depends on the needs of the individual or group. There will never be a “one size fits all” insurance plan or exchange. The more choices a consumer or group has, the better their insurance will be.

All states and the District of Columbia have received grants for the development of their exchanges. Click here to see the individual grants and what each state plans to do with the funds.

For ten weeks beginning October 4, 2010, Allchoice will be running radio ads on Ave Maria Radio out of Ypsilanti, Michigan. These ads are unique in that they’re not written as sales ads. Instead, the 60-second spots each feature a voiceover discussing how Medicare is being affected by the Patient Protection And Affordable Care Act, such as the cutting of $531 billion out of Medicare over the next ten years.

These radio ads also include the voices of some Allchoice clients. These seniors talk about their experiences with Allchoice Insurance in entirely unscripted testimonials over the years and how they’ve recommended the company to their family and friends. They also discuss the quality of customer serve at Allchoice and how all of their questions have been answered in a friendly and timely manner.

Be sure to tune into Ave Maria Radio on AM 990 in southeast Michigan from Monroe to Bad Axe to Brighton or listen online to hear the new Allchoice radio ads.