Wednesday, April 9, 2014

Hey, comrade, line up for the cattle chute and we'll tell you what to do next and when

As I said the other day, one feature of collectivism is that it always complicates things.   Freedom keeps things elegantly simple.

Take this feature of FHer-care known as "open enrollment."  I'd never understood it.  But the current one is over and, until the next one begins later this year, post-Americans who want to buy health insurance generally won't be able to.  Isn't that a rather goofy way to get more comrades insured, the ostensible point of FHer-care in the first place?

Anyway, I found out the thinking behind this "open enrollment" business:

The reason sales of health insurance were crammed into short enrollment periods was so insurance companies would have some certainty about who would be in the risk pool, allowing them to set their rates accordingly.
So the government imposed this in order to get a handle on the chaos that results from messing with the normal-people process of an insurance company running the actuarial stats on a potential customer any old time of year, and pricing a policy for that person accordingly.

As we learned yesterday, premiums are going to skyrocket for those who do have it, and those who don't are locked out for most of this year.

Only in a country run by Freedom-Haters and too-clever-by-half pointy-heads.




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