Insurance companies use a number of criteria for determining how much a policy will cost. Among these are the occupation of the applicant, the services that applicant wants covered, the applicant's age and location. This is not to give them an excuse for denying coverage. Businesses want to serve you-that's how they make money. It is rather to determine how much they will be likely to have to pay out during the course of a year's coverage. Jobs like carriage driving, construction and custodial work are far riskier than a typical office job. Higher risk = higher premium. Older people tend to have more claims than younger people. The body wears out. Older = higher premium. People who live in large cities have a higher risk of things like auto accidents or violent crime than those who live away from people. Living in a high risk area= higher premium. If an applicant wants to cover every conceivable medical test and procedure known to man, that's also going to cost more.
Unfortunately, Congress has decided to use the cost of any given insurance policy as a guide to what that policy covers. They have declared that a policy that costs ~ $23,000/year for a family or ~$8,500/year for an individual must be a "Cadillac plan". By which they mean to imply that such a plan is only purchased by the evil, greedy people who have "played the system" to be better off than "ordinary" people. They are using the cost of the policy as an easy button to convince the American people that those who can afford such policies, ought then to be fined so that everyone can get coverage. In addition to ignoring the risk factors that go into the pricing of health insurance policies, they are lying to the American people for yet one more power grab. One more huge shift towards collectivism.
The truth is that someone who works at a risky job in a big city will pay far more for the same coverage as someone who works at a low risk job in a small town. For Congress to ignore this, and penalize the high risk worker, essentially for taking a high risk job, is going to cost America yet more jobs and make it that much more difficult and expensive to get anything done that requires a high risk worker.
America is all about risk. We value the freedom to take risks and the freedom to fail. That includes failing to have adequate coverage. It includes the risk of incurring a lifelong debt to pay for the medical services that one would receive in extremis, regardless of one's ability to pay.
Our medical system is not broken. I have read that the real impetus for this legislation is that doctor after doctor and clinic after clinic are refusing to take Medicare/Medicaid patients on a non-emergency basis anymore, because those patients are served at a loss to the doctor/facility. That, rather than being conspiracy theory, type collectivism pushers, Congress is just so stupid as to think that by providing no way out for healthcare providers and insurers, and taxing the dickens out of the rest of us to pay for it, it will solve the problem.
If that's the case, I wonder what they will do when, in 3-4 years, all the baby boomers are retired and aging and the 45% of healthcare providers polled retire because they don't care to be forced to work under the provisions of this bill. How will Congress "fix" the healthcare system then?
The unions who supported this Congress and this administration into office suddenly realized that many of their members have healthcare plans that put them into that "Cadillac" category by price. Upon realizing this, did they throw their weight against the legislation? Did they have a sudden revelation of patriotism to impel them to protect their members through opposing this unconstitutional and unconscionable legislation that will destroy the American health care system? No, they paid to play, so they just went to their pet legislators and collected their payoff.
It is time and past for America's Union workers to remember that they are the power behind the unions and that they are Americans first. Congress isn't the only place that needs a change of personnel.
"Ye shall not respect persons in judgment; but ye shall hear the small as well as the great; ye shall not be afraid of the face of man; for the judgment is God's: and the cause that is too hard for you, bring it unto me, and I will hear it. " ~Duet 1:17