Wednesday, November 4, 2009

The Evolution of Health Care Insurance


By Hal Mitchell – PatriotsOnPurpose.com

Like all good things, health insurance has been taken for granted. However, it has not always been included in your benefits package where you work. Health insurance was available in the US as far back as the 1890’s but only really started to escalate late in the 20th century. In the early 1900’s railroad companies started providing some health insurance coverage for their workers but that was the exception rather than the rule.

As US companies grew and prospered they began to offer health insurance as an employee benefit to entice better workers and to be more competitive in the marketplace. In most cases the employee had to contribute a portion of the expense which he was glad to do since it was much cheaper than buying it individually. There was great savings with the insurance companies because of the large pool of risk that they could deal with.

Originally employers, and employees alike, considered health insurance to be a reward for people who had disciplined themselves to learning, getting college degrees, or otherwise preparing themselves to qualify for better than average employment with a company that provided these and other benefits such as retirement plans, as well as better than average wages.

Health insurance is an invention of Capitalism and Free Enterprise where people are rewarded for achievement and hard work. It is not an entitlement for the lazy or for those who, for whatever reason, have not acquired the necessary training or skills to qualify for jobs with companies where it is available.

Our founding fathers, in the Declaration of Independence, declared that “we are endowed by our Creator with certain unalienable rights (certain, but not all rights) that among these are Life, Liberty and the pursuit of happiness”. (pursuit of but not a guarantee of happiness)

It is clear that our founding fathers did not believe that God guaranteed all rights such as the right or entitlement to health insurance. It is also clear that our founders believed that God requires that man must have an incentive to work and to achieve rather than to stand around with his hand out looking for something for which he did not contribute. In fact, the Word of God says that “If a man would not work neither shall he eat” (2 Thes. 3:10) Eating is much more basic than health insurance and God does not guarantee even that.

It’s not that God is heartless and uncaring. To the contrary, God is love and He made provision through charitable giving and special programs for those who can’t afford health care to be taken care of, not to mention His own divine healing provision. It is therefore utterly foolish and uneconomical to trash the most advanced health care system in the world which is available to 85% of the populace in order to satisfy the demand of the 10 to 15% of those for whom it is not.

So where did our citizenry get the notion that they are entitled to health insurance that somebody else has to pay for? They got it from Liberalism and Socialistic thinking by politicians who have figured out that if they gave enough freebies to enough people they could get elected over and over. However, Liberalism and Socialism steals from the diligent, kills the incentive of productive people, and ruins our economy at the same time. They also “kill the goose that laid the golden egg”.






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