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	<title>Comments for Real Health Care Reform</title>
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	<link>http://health--savings--accounts.com/healthcare-debate-blog</link>
	<description>Discussion on the current Healthcare Bill Debate</description>
	<lastBuildDate>Fri, 04 Nov 2011 18:16:05 -0400</lastBuildDate>
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		<title>Comment on Health Freedom by Loran</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/health-freedom/comment-page-1/#comment-718</link>
		<dc:creator>Loran</dc:creator>
		<pubDate>Fri, 04 Nov 2011 18:16:05 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=240#comment-718</guid>
		<description>Kudos! What a neat way of tihnknig about it.</description>
		<content:encoded><![CDATA[<p>Kudos! What a neat way of tihnknig about it.</p>
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		<title>Comment on IRS Promoting Small Employer Tax Credits by Patrick Severtson</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/irs-promoting-small-employer-tax-credits/comment-page-1/#comment-156</link>
		<dc:creator>Patrick Severtson</dc:creator>
		<pubDate>Sat, 25 Sep 2010 02:09:49 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=280#comment-156</guid>
		<description>Wow, Awesome post - Real Health Care Reform » Blog Archive » IRS Promoting Small Employer Tax Credits was a wonderful read.  I&#039;m such a newbie when it comes to all this, Thanks for this!</description>
		<content:encoded><![CDATA[<p>Wow, Awesome post &#8211; Real Health Care Reform » Blog Archive » IRS Promoting Small Employer Tax Credits was a wonderful read.  I&#8217;m such a newbie when it comes to all this, Thanks for this!</p>
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		<title>Comment on Does Obama Want to Outlaw Health Savings Account Plans? by Gearldine Mccolloch</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/does-obama-want-to-outlaw-health-savings-account-plans/comment-page-1/#comment-50</link>
		<dc:creator>Gearldine Mccolloch</dc:creator>
		<pubDate>Thu, 25 Mar 2010 16:08:29 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=14#comment-50</guid>
		<description>You have to love the US Congress.  They will increase taxes and kill our pay.  What do you think companies are gonna do when employee expenditures increase?</description>
		<content:encoded><![CDATA[<p>You have to love the US Congress.  They will increase taxes and kill our pay.  What do you think companies are gonna do when employee expenditures increase?</p>
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		<title>Comment on An Opportunity for True Healthcare Reform by Ray</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/an-opportunity-for-true-healthcare-reform/comment-page-1/#comment-35</link>
		<dc:creator>Ray</dc:creator>
		<pubDate>Thu, 21 Jan 2010 17:15:17 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=259#comment-35</guid>
		<description>I absolutely agree. Being in the health insurance industry, I see many problems. I could not feel more strongly about the need for true Health Care Reform (not a government takeover). Having the government getting too involved just is not the solution. We are a great country because we embrace capitalism. All the burgeoning economies of the world are embracing capitalism. East Germany vs West Germany in the 40 years after WWII, West Germany thrived East Germany starved. North Korea vs South Korea. Look at the economies of India, China, Russia. All are growing now that they have gone to a more capitalistic economy. We have done it better than anyone for over 200 years. Why not use it to solve our health care/insurance woes. Having a consumer based system and letting market forces work has never failed us. Is the system perfect? NO. It is just better than any other. As Ronald Reagan said, government isn&#039;t the solution, it is the problem.</description>
		<content:encoded><![CDATA[<p>I absolutely agree. Being in the health insurance industry, I see many problems. I could not feel more strongly about the need for true Health Care Reform (not a government takeover). Having the government getting too involved just is not the solution. We are a great country because we embrace capitalism. All the burgeoning economies of the world are embracing capitalism. East Germany vs West Germany in the 40 years after WWII, West Germany thrived East Germany starved. North Korea vs South Korea. Look at the economies of India, China, Russia. All are growing now that they have gone to a more capitalistic economy. We have done it better than anyone for over 200 years. Why not use it to solve our health care/insurance woes. Having a consumer based system and letting market forces work has never failed us. Is the system perfect? NO. It is just better than any other. As Ronald Reagan said, government isn&#8217;t the solution, it is the problem.</p>
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		<title>Comment on An Opportunity for True Healthcare Reform by Fred Adams</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/an-opportunity-for-true-healthcare-reform/comment-page-1/#comment-34</link>
		<dc:creator>Fred Adams</dc:creator>
		<pubDate>Thu, 21 Jan 2010 17:02:23 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=259#comment-34</guid>
		<description>the people of Massachusetts spoke.  In crystal clear fashion, they told President Obama and Congressional Democrats to end this health care takeover now.  
The meaning and magnitude of Scott Brown&#039;s historic victory is truly stunning.  
Consider Massachusetts.  Before Mr. Brown&#039;s victory last night no Republican Senate candidate in Massachusetts had won since 1972.  The seat he was seeking had been held by Ted Kennedy for almost 50 years and the Kennedy family was on the campaign trail against him.  All 10 congressional districts in Massachusetts are held by Democrats.  In 2008, the congressional Democrat in Massachusetts with the lowest winning percentage was Barney Frank - and he won with 68%!  Just 12% of voters in Massachusetts are registered Republicans.  
But, Scott Brown did not win because voters suddenly love the Republican Party.  He won not with a message of &quot;Send more Republicans to Congress.&quot;  Instead, his most salient message was &quot;send me to Washington to be the 41st vote against the health care takeover.&quot;  
The Democrats know this as well.  On Sunday when President Obama campaigned with Ms. Coakley, neither of them said one word about health care -- the issue on which the President has staked everything.  They know that even in Massachusetts -- the liberal bastion of the nation -- their health care takeover has been rejected by a majority of the people.  
Take a moment and congratulate yourself.  You are making a difference for our nation.  
Your tireless work, sacrifice and refusal to give up are paying off.  
However, this health care battle is not over.  Speaker Pelosi and Majority Leader Reid are already considering trying to jam the health care takeover through before Senator-elect Brown can be seated.  We&#039;ve got to keep the pressure on the Senate and House.  

Let&#039;s flood the lines to Washington and the district offices today while the election results are still fresh.
Forward this information to your family and friends; put it on your Facebook and Twitter.  Let&#039;s get as many of our fellow Americans as possible to join us in making these calls at this key moment in the health care battle.
Reid, Pelosi and Obama want us to believe their health care takeover is &quot;inevitable.&quot;  You and I know better.  
This is just more proof.</description>
		<content:encoded><![CDATA[<p>the people of Massachusetts spoke.  In crystal clear fashion, they told President Obama and Congressional Democrats to end this health care takeover now.<br />
The meaning and magnitude of Scott Brown&#8217;s historic victory is truly stunning.<br />
Consider Massachusetts.  Before Mr. Brown&#8217;s victory last night no Republican Senate candidate in Massachusetts had won since 1972.  The seat he was seeking had been held by Ted Kennedy for almost 50 years and the Kennedy family was on the campaign trail against him.  All 10 congressional districts in Massachusetts are held by Democrats.  In 2008, the congressional Democrat in Massachusetts with the lowest winning percentage was Barney Frank &#8211; and he won with 68%!  Just 12% of voters in Massachusetts are registered Republicans.<br />
But, Scott Brown did not win because voters suddenly love the Republican Party.  He won not with a message of &#8220;Send more Republicans to Congress.&#8221;  Instead, his most salient message was &#8220;send me to Washington to be the 41st vote against the health care takeover.&#8221;<br />
The Democrats know this as well.  On Sunday when President Obama campaigned with Ms. Coakley, neither of them said one word about health care &#8212; the issue on which the President has staked everything.  They know that even in Massachusetts &#8212; the liberal bastion of the nation &#8212; their health care takeover has been rejected by a majority of the people.<br />
Take a moment and congratulate yourself.  You are making a difference for our nation.<br />
Your tireless work, sacrifice and refusal to give up are paying off.<br />
However, this health care battle is not over.  Speaker Pelosi and Majority Leader Reid are already considering trying to jam the health care takeover through before Senator-elect Brown can be seated.  We&#8217;ve got to keep the pressure on the Senate and House.  </p>
<p>Let&#8217;s flood the lines to Washington and the district offices today while the election results are still fresh.<br />
Forward this information to your family and friends; put it on your Facebook and Twitter.  Let&#8217;s get as many of our fellow Americans as possible to join us in making these calls at this key moment in the health care battle.<br />
Reid, Pelosi and Obama want us to believe their health care takeover is &#8220;inevitable.&#8221;  You and I know better.<br />
This is just more proof.</p>
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		<title>Comment on Senate Finance Committee Healthcare Vote by Wiley Long</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/senate-finance-committee-vote/comment-page-1/#comment-31</link>
		<dc:creator>Wiley Long</dc:creator>
		<pubDate>Wed, 14 Oct 2009 02:19:39 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=158#comment-31</guid>
		<description>Hi  Chris,

I think that the public will wake up to the serious problems with this non-solution before it even goes into effect.  I hope so.</description>
		<content:encoded><![CDATA[<p>Hi  Chris,</p>
<p>I think that the public will wake up to the serious problems with this non-solution before it even goes into effect.  I hope so.</p>
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		<title>Comment on Senate Finance Committee Healthcare Vote by chris</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/senate-finance-committee-vote/comment-page-1/#comment-30</link>
		<dc:creator>chris</dc:creator>
		<pubDate>Wed, 14 Oct 2009 00:02:07 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=158#comment-30</guid>
		<description>Help me understand this?  The next presidential election will be in 2012, and the start of the next 4 year presidency will start in 2013.  Wouldn&#039;t you think we would want the current president accountable before a possible 2nd term would start?  I could be missing something here, but thats my initial impression.  Then again, I would imagine there will be some changes in the current proposal.  


I&#039;m probably thinking too radically, but maybe not.</description>
		<content:encoded><![CDATA[<p>Help me understand this?  The next presidential election will be in 2012, and the start of the next 4 year presidency will start in 2013.  Wouldn&#8217;t you think we would want the current president accountable before a possible 2nd term would start?  I could be missing something here, but thats my initial impression.  Then again, I would imagine there will be some changes in the current proposal.  </p>
<p>I&#8217;m probably thinking too radically, but maybe not.</p>
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		<title>Comment on Hey Congress, Are You Listening? by The Buzz » Blog Archive » Healthcare Debate Blog » Blog Archive » Hey Congress, Are You …</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/hey-congress-are-you-listening/comment-page-1/#comment-27</link>
		<dc:creator>The Buzz » Blog Archive » Healthcare Debate Blog » Blog Archive » Hey Congress, Are You …</dc:creator>
		<pubDate>Sat, 19 Sep 2009 09:10:41 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=28#comment-27</guid>
		<description>&lt;em&gt;&quot;But the CORE of any healthcare reform should be individual consumers making decisions on what works best for them – not a government bureaucrat deciding for you, while really trying to please the special interests.&quot;&lt;/em&gt;  I couldn&#039;t agree more!</description>
		<content:encoded><![CDATA[<p><em>&#8220;But the CORE of any healthcare reform should be individual consumers making decisions on what works best for them – not a government bureaucrat deciding for you, while really trying to please the special interests.&#8221;</em>  I couldn&#8217;t agree more!</p>
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		<title>Comment on Does Obama Want to Outlaw Health Savings Account Plans? by Wiley Long</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/does-obama-want-to-outlaw-health-savings-account-plans/comment-page-1/#comment-26</link>
		<dc:creator>Wiley Long</dc:creator>
		<pubDate>Mon, 14 Sep 2009 05:59:41 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=14#comment-26</guid>
		<description>Hi Chris,

I&#039;ll expand on some of these ideas in future posts.  First, the main reason some states have a single company with most of the business is that no other insurance companies are able to profitably compete for that business.  This is usually due to the fact that the state has numerous mandates and regulations that make the coverage too expensive.  It can also be that a single company is just very competitive.  For instance, Alabama citizens can choose plans from Aetna, UnitedHealthcare, and many others.  But BCBS in Alabama has very competitive plans, and works on very thin profit margins (0.6%), and so is able to capture a large share of the market (about 75%, not the 90% Obama reported).  

I agree with you that more competition is always better.  Obama claims to believe the same thing, yet has not endorsed giving citizens the right to buy coverage across state lines, which would increase competition much more than a government plan (which is likely to ultimately decrease, rather than increase competition).

I also agree with you that tax credits for basic coverage for poorer people should be considered, and that individuals should own their own health insurance, not their employers.</description>
		<content:encoded><![CDATA[<p>Hi Chris,</p>
<p>I&#8217;ll expand on some of these ideas in future posts.  First, the main reason some states have a single company with most of the business is that no other insurance companies are able to profitably compete for that business.  This is usually due to the fact that the state has numerous mandates and regulations that make the coverage too expensive.  It can also be that a single company is just very competitive.  For instance, Alabama citizens can choose plans from Aetna, UnitedHealthcare, and many others.  But BCBS in Alabama has very competitive plans, and works on very thin profit margins (0.6%), and so is able to capture a large share of the market (about 75%, not the 90% Obama reported).  </p>
<p>I agree with you that more competition is always better.  Obama claims to believe the same thing, yet has not endorsed giving citizens the right to buy coverage across state lines, which would increase competition much more than a government plan (which is likely to ultimately decrease, rather than increase competition).</p>
<p>I also agree with you that tax credits for basic coverage for poorer people should be considered, and that individuals should own their own health insurance, not their employers.</p>
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		<title>Comment on What Government Run Healthcare is Really Like by Wiley Long</title>
		<link>http://health--savings--accounts.com/healthcare-debate-blog/what-government-run-healthcare-is-really-like/comment-page-1/#comment-25</link>
		<dc:creator>Wiley Long</dc:creator>
		<pubDate>Mon, 14 Sep 2009 05:45:25 +0000</pubDate>
		<guid isPermaLink="false">http://health--savings--accounts.com/healthcare-debate-blog/?p=41#comment-25</guid>
		<description>Hi Dan,

Yes, I&#039;ll talk more about HSAs.  Health Savings Accounts are of course not a total solution to the healthcare problems in this country, but they are a great start.  The plans are much less expensive than conventional plans, because they have higher deductibles.  To offset the deductible, HSA owners are allowed to put aside pre-tax money to pay for future medical expenses.  This not only encourages personal responsibility when it comes to paying for medical care, but it also encourages consumer involvement when purchasing medical services.  That in turn encourages providers to lower prices, increase convenience, and compete on quality - things that don&#039;t really happen when everything is paid for by a third party.</description>
		<content:encoded><![CDATA[<p>Hi Dan,</p>
<p>Yes, I&#8217;ll talk more about HSAs.  Health Savings Accounts are of course not a total solution to the healthcare problems in this country, but they are a great start.  The plans are much less expensive than conventional plans, because they have higher deductibles.  To offset the deductible, HSA owners are allowed to put aside pre-tax money to pay for future medical expenses.  This not only encourages personal responsibility when it comes to paying for medical care, but it also encourages consumer involvement when purchasing medical services.  That in turn encourages providers to lower prices, increase convenience, and compete on quality &#8211; things that don&#8217;t really happen when everything is paid for by a third party.</p>
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