{"id":34192,"date":"2009-12-17T01:01:01","date_gmt":"2011-05-19T01:35:22","guid":{"rendered":""},"modified":"2011-05-19T01:35:22","modified_gmt":"2011-05-19T01:35:22","slug":"government_mandates_will_cause_insurance_premiums_to_skyrocket","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2009\/12\/17\/government_mandates_will_cause_insurance_premiums_to_skyrocket\/","title":{"rendered":"Government Mandates Will Cause Insurance Premiums to Skyrocket"},"content":{"rendered":"
\n

RUSH: Checking the e-mail again during the break and this is a good question. I\u2019m glad I got the question so I can explain it to you. A lot of people are saying, ‘Rush, why is it guaranteed that insurance premiums are going to go up even in the private sector, even if the public option\u2019s gone, and even if the Medicare buy-in is gone, what is guaranteed about premiums going up?\u2019 Great, great question. And I, El Rushbo, ladies and gentlemen, am happy to provide you the answer. If the bill were signed as it is today, everybody would be mandated to buy insurance from a private insurance company in your state. And right there people say, ‘Why does that mean prices are going up automatically?\u2019 Because of what else is in the bill. The bill mandates that people with preexisting conditions be covered. The bill mandates that people who are gonna die in two weeks be able to get insurance three weeks prior to that. <\/p>\n

It\u2019s just economic common sense. Insurance companies are not social programs. Insurance companies don\u2019t give it away. If you mandate that they cover people who are a guaranteed loss for them, they go out of business. So they have to raise their prices to accommodate the mandates that exist elsewhere in the bill. Now, for some poor people, in the bill there are subsidies for them if they cannot afford to buy insurance on their own, because the bill requires everybody to do so. But if they can\u2019t pay the premium based on their medical condition and their health at the time from a private insurance company, if they meet a test — and, of course, that\u2019s a new bureaucracy that\u2019s going to get all gummed up — but if they meet the test, then they get subsidized. By who? Who subsidizes them? The insurance companies. Well, who pays the insurance companies? We do, the rest of us. So the reason prices are going to skyrocket is because of what else is in the bill, the mandate to cover everybody regardless of what their health is. This is like an insurance company being told that they must sell homeowner fire insurance after the house fire has started. <\/p>\n

You\u2019re away, you come home, you don\u2019t have adequate fire protection in your homeowner policy. When you drive up to the block in which your house is, you see it\u2019s going up in flames. You call the insurance companies. ‘I want an insurance policy to cover my house being burned down.\u2019 And the insurance company says, ‘What\u2019s the situation now?\u2019 ‘Well, it\u2019s half gone.\u2019 And if the government says that the insurance company has to sell somebody fire insurance when their house is burning, guess what they\u2019re going to charge for it? Through the roof. This is exactly what\u2019s happening in this bill. And the reason it differs is because health now is considered some God-given right that nobody should ever get sick, and if they do get sick, that they should never die, they should always get well. Well, the market doesn\u2019t work that way. No entity works that way. You know, I\u2019ve talked to football coaches. In fact, we talked to Jimmy Johnson once. We interviewed Jimmy Johnson when he was coaching the Dolphins, did an interview with him for the Father\u2019s Day issue of the Limbaugh Letter. <\/p>\n

I asked him, ‘Do you treat every player the same on the team?\u2019 He said, ‘No, you can\u2019t. Some of them don\u2019t have the same ambition. Some of them don\u2019t have the same drive. Some of them you don\u2019t have to worry about their commitment, others you have to do certain things. If a guy screws up during the week in practice and you de-list him that week and put him on the inactive list, some players are going to react positively to that and say, ‘Oh, gotta impress the coach more,\u2019 or they\u2019re gonna pout. You have to know who you\u2019re dealing with.\u2019 No two people are the same. No two life circumstances are the same. But yet to have some generalized policy on health coverage and insurance coverage mandated by the government is just an excuse, folks, it\u2019s a fuse. You lighten the fuse and costs are going to skyrocket. <\/p>\n

The dirty little secret is the same truth would exist if there were a public option. If that were the only place you could go, because the rest of the bill mandates that people with preexisting conditions be covered. If you don\u2019t even have a preexisting condition, there are even circumstances in both these bills where if you are diagnosed without any indication you\u2019re sick, if you\u2019re diagnosed with something that could lead to your death in a matter of years, you are able to go out, the insurance companies have to sell you coverage when you haven\u2019t had any prior to that. So that\u2019s why the prices are going to go up, the federal government, pure and simple, in the health care bill. There\u2019s no way anybody\u2019s health insurance costs are going to go down when the government\u2019s involved in any aspect of this.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Look at it this way, ladies and gentlemen. When you are covering known illnesses, you are no longer insuring against something, you are paying a monthly fee so others will cover your existing illness. You\u2019re no longer a risk; your illness is a reality. And this is not insurance. It\u2019s being called insurance but it\u2019s not. It\u2019s something entirely different.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Now, about the premiums going up and my brilliant dissertation on why prices will go up in the private sector even if the public option is not there and even if the Medicare buy-in is not there, it\u2019s not just preconditions that are mandated to be covered in the health care bills in either the House or the Senate. There was a recent amendment that added mandating private insurers to provide mammogram and other women\u2019s issues coverage, including spousal abuse! Insurance for spousal abuse and mammograms, even though the mammogram age is going to be raised to the age of 50. Now, you think of all the mandates that will be added on to private insurance, and this is just the tip of the iceberg. For example, if an insurance company cannot discriminate against preconditions, if they can\u2019t do it, if you got a preexisting condition, they have to cover you. The premium has to go up. But if they can\u2019t discriminate against preconditions, can they still charge more for smokers? Can they charge more for mountain climbers? Can they charge more for race car drivers? Can they charge more for knife thrower assistants? I don\u2019t know. If they can, why? <\/p>\n

If the insurance companies cannot discriminate against a precondition — a precondition could be defined as, you smoke, fine, your premium is going to go higher. But if they can\u2019t discriminate against preconditions, they have to cover the high-risk people who are smoking 18 packs of cigarettes a day? If they do, if they\u2019re forced to cover those kinds of people, if they\u2019re forced to cover mountain climbers and race car drivers and other risky life behavior, what do you think the price is going to do? It\u2019s gonna skyrocket. And this is a little indication of what this bill is really all about. It\u2019s not about health care; it\u2019s about controlling your life. And if you can\u2019t get insurance because you\u2019re a race car driver, what are you going to do? If the insurance companies can discriminate against you then who are you going to sue when they don\u2019t discriminate against preexisting conditions? This thing is just an unbridled mess. <\/p>\n

Now, I want to expand on this. When you are covering known illnesses, you are no longer insuring against something, you are paying a monthly fee so others will cover your existing illnesses. You\u2019re raising prices for everybody. You are no longer a risk, because your illness is a reality. So this really isn\u2019t even insurance. It is redistributing wealth, pure and simple. I have always tried to impress upon everybody that this is not about health care. It is about the redistribution of wealth via the controlling of behavior of people and the ability to charge them more for whatever it is they do in their lives that is in the unapproved list that some bureaucracy comes up with. Now, I don\u2019t want to be misunderstood here because saying things like this can make people think that I, El Rushbo, am heartless. And of course this is the exact opposite. I have a huge heart. Ba-boom, ba-boom, ba-boom. I am not dumping on people who have illnesses. Many of us have various illnesses and so forth. But what is being discussed here is not insurance. If using my ‘your house is on fire\u2019 example, if you were allowed to buy a rider to your homeowners insurance that covered fire only after your house fire had started, we\u2019re not talking insurance. You\u2019re not being insured because the risk has already happened. <\/p>\n

We\u2019re talking about something entirely different. We\u2019re talking about the redistribution of wealth. And this is why, in case you\u2019re also asking, ‘Why does Obama not care? Just get the bill now, just get the bill now.\u2019 This is why Obama wants anything he can get, any bill that he can get. He sees this as a control issue. If the bill is not as radical as he would like, they\u2019ll go back and they\u2019ll fix that, they\u2019ll make it worse in subsequent years. This bill is horrible, it is very bad, but they\u2019re not going to stop there, just like they didn\u2019t stop with Medicare. Do you think when they came up with Medicare that they ever intended it to get this big? Probably they did but did they tell us it was going to happen? No. Social Security, ditto. Did Social Security reduce the budget deficit? Did Social Security, Medicare, Medicaid, did they keep the country from going bankrupt, or are they contributing factors to the country nearing bankruptcy? Well, we all know the answer to that, and of course what will health care, if passed, end up being but more of the same?<\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: Checking the e-mail again during the break and this is a good question. I\u2019m glad I got the question so I can explain it to you. A lot of people are saying, ‘Rush, why is it guaranteed that insurance premiums are going to go up even in the private sector, even if the public […]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0},"categories":[],"tags":[],"yoast_head":"\nGovernment Mandates Will Cause Insurance Premiums to Skyrocket - The Rush Limbaugh Show<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/admin.rushlimbaugh.com\/daily\/2009\/12\/17\/government_mandates_will_cause_insurance_premiums_to_skyrocket\/\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:title\" content=\"Government Mandates Will Cause Insurance Premiums to Skyrocket - The Rush Limbaugh Show\" \/>\n<meta name=\"twitter:description\" content=\"RUSH: Checking the e-mail again during the break and this is a good question. 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