Originally posted by weedwhacker
A whole can o'worms is likely going to be opened, when the States exert their 10th Amendment rights on this issue...becuase, the foot is in the door,
and "you betcha!" the insurance companies are going to stay onboard with this 'mandatory' thing. But, it could very well turn into a
State-mandated thing, rather than a Federally-mandated thing --- do you see?
Insurance companies are already regulated & enforced by the State Governments...Only in those cases where the States aren't regulating does the
Federal step in, such as when an Insurance HQ based in one State is selling insurance within another State, for example. I know this because I AM a
State-licensed Insurance Agent & I have to submit to more
testing & licensing in order to sell insurance in any other State: If I wanted to
sell insurance in all 50 States, I'd have to have 50 valid licenses.
One of the ways that insurance companies have been able to avoid the illegally over-extended Federal Interstate Commerce laws is by becoming
affiliated with independant insurance agencies
that have licensed agents of their own, already located in other States! Also, the insurance
companies don't have to bother with the normal business expenses of maintaining a large number of agents of their own: The independant agencies
themselves take care of that.
The key to this Obamacare is that it is not
regulated by the States & won't be enforced by the States, but by the Feds instead: This also
means more tax money to support a new Federal agency to enforce it
, with its own payroll & benefits packages (ie: incurring more Federal
taxes!). This is the key to understanding what the fight is about. It's also where Obamacare is violating the 10th Amendment. So it seems that the
insurance companies themselves have a vested interest in fighting the Obamacare law, also working on Congress to have it repealed
) before its full effects kick in.
The main difference between State insurance regulation & Federal insurance regulation is a matter of demographics
. Insurance companies are best
at calculating risk & most of the variables are based on demographics...And the most fair & comprehensive regulations are those that originate
from within that demographic. For example, States along the Mississippi River are higher risk for flooding than Nevada, just as the west coast States
are more subject to earthquakes than those along the Mississippi are. The insurance companies work to transfer
the costs associated with the
risks present within the demographic. The client pays the premiums to the insurance in exchange for insurance that pays for the loss if the risk
becomes reality: Risk is transfered from the client to the company: The insurance policy
is the specific contract that defines which risks are
to be covered & how much of the loss will be covered.
But the Federal Government is all hung up on "one size fits all" legislation (which violates the States' Sovereignty specified in the 10th
Amendment) & risk assessment doesn't work like that: Risk IS demographic
. Whenever the Feds "subsidizes" any kind of business, it also
assumes regulatory control of what risk the government thinks
are applicable...Which inevitably increases the cost-of-business for the
insurance providers! In essence, the risk of conducting that business is transfered from the client or business to the taxpayers
funded the subsidy! When the insurance company receives a subsidy, it also skews the true cost of the company itself for issuing the payouts that
cover a client's actual loss. In short, the Feds are forcing yet another
program that interferes with the free market in the private sector:
The ultimate result is that, as the government forces more expenses on the business, the more the business has to charge you
goods/services. It's gotten so bad for businesses to pay the expenses & see how much harder it is for clients to afford their products, they pick
up & leave the country
, taking their jobs & contributions to the economy with them! In short, it's the government
responsible for so many companies to be fleeing the US!
As far as the Feds go, none of this has anything to do with the actual business itself...It's merely another step towards total control
to help people but to control them by exerting false controls over supply & demand. The reason these imposed controls are false
is because they
violate the Constitution when implemented by the government. This is the real root of the reason people are confronting & opposing the
government...They truly are nothing more (& nothing less) than a cartel of criminals, with their broken Oaths of Office & violations against the
Supreme Law of the Land.
Originally posted by tothetenthpower
If they are allowed to continue not listening to Americans who pay their salaries, are allowed to steal from you and give it to corporations who
don't give a damn about you then you are not a patriot and do not deserve to live under the Flag you hold so dear.
This is true...The US Constitution plainly demands that the States are to be guaranteed
a Republican (representative) form of government (as
per Article 4, Section 4
) & they've already gotten an overwhelming public mandate
Obamacare, even as they were debating it in Congress! There went our "representative" government, out the window!
This is NOT the first violation of Article4, Section 4 either...Originally, by the Constitution, the State Legislators choose Senators for
Congress...The passage of the 17th Amendment
changed that, even though there is no
documentation (in Congressional Journals or anywhere else) that specifies any alteration of Article 4, Section 4. In short, the 17th Amendment is, in
& of itself, an illegal ratification that directly conflicts
Article 4, Section 4!
To be blunt, the States are Constitutionally guaranteed to have representation in the Federal Government, but are denied representation while still
being taxed! Also, by ignoring the overwhelming mandate of the People against
Obamacare, We the People are also
being taxed with no
representation! Recall history, if you will, that one of the problems facing the Founding Fathers was "taxation without representation," but our
States have been suffing that same burden since the 17th Amendment & We the People have been suffering the same, on an ever-increasing basis.
Some people say that our Founding Fathers, if alive today, would not recognize our country...I say that's a wrong conclusion. They would
recognize this country as being under the same kind of monarchial rulership that they fought a war against! It's the same kind of "laws according to
the whim of the moment" that so characterized the monarchy of which they knew!