Ten immediate benefits of HCR

From Crooks and Liars:

1. Adult children may remain as dependents on their parents’ policy until their 27th birthday
2. Children under age 19 may not be excluded for pre-existing conditions
3. No more lifetime or annual caps on coverage
4. Free preventative care for all
5. Adults with pre-existing conditions may buy into a national high-risk pool until the exchanges come online. While these will not be cheap, they’re still better than total exclusion and get some benefit from a wider pool of insureds.


  1. People think HCR is only benefiting “poor people” and “bums that don’t want to work.” Well, I’ve been on employer-sponsored health care my entire adult life and HCR will still helping me via #3 listed above (3. No more lifetime or annual caps on coverage). Currently my policy only covers $1,000,000 over the course of my life. There are plenty of illnesses/emergencies that could wipe that out within months or even weeks. And every time I see a doctor or fill a prescription that cap gets a few dollars closer.

  2. Move to Australia. The US Health system is only healthy for insurance companies and greedy doctors. This is not a problem in Australia.

    I really struggle to see why the US still doesn’t offer free healthcare to all, it’s 2010 FFS.

  3. I can’t say I understand the “pre-existing conditions” one. That seems to go against the idea of “insurance”.

    And number 4? “Free”? The money comes from somewhere. Just because it gets rolled into your taxes – and other people’s taxes – does not make it free.

  4. Health insurance companies shouldn’t at all be part of the equation. Talk about an extra unneeded middle-man.. and greedy ones at that.

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