The Daily Item, Sunbury, PA


March 8, 2013

Rate shock

In response to "Will young adults face health insurance 'rate shock?" the title of this article definitely caught my attention at once and I was compelled to read on. This article applies severely to me and many of my peers because I will soon be looking for a job and possibly my own health insurance after I turn 26. It is a view of the debate between whether this 'rate shock' is a scare tactic being used by conservative parties or a real fear that many American should have.

There is a delicate balance in health insurance between a smoothly running system and a system that is unprofitable. For example if everyone knew what health conditions they were going to have down the road, health insurance would be obsolete. What this new health care law is trying to do is level the playing field for people who have health conditions so they can have affordable health care. In this process, however the government is squeezing the people that are perfectly healthy and should have a low cost for health insurance or none at all.

This policy is a classic example of the government trying to fix something that has already been working. Health insurance works on a basis of risk and smart investing; government interference will collapse this system. Either we have a health insurance system that works on a market basis or we let the government take control of health care, there cannot be an in between.

Aliena Zimmerman, New Columbia

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