One of the reasons for the difficulty people have finding affordable health care insurance is that small employers such as dental offices, HVAC companies, realtors and photography studios can’t offer their employees insurance plans competitive with major corporations. Using my former dental practice as an example, with a group size of only 4, one of whom was a breast cancer survivor, we could not get affordable group rates due to experience rating by individual business.
However, if all the dentists in the state, or all the dentists in the country, could purchase insurance as a group, a bad experience by a single practice would not affect rates, and we could bargain for insurance on an equal footing with WalMart or GM. Such arrangements are called ‘Association Health Care plans’ which were authorized in Virginia by a bi-partisan effort in the General Assembly in SB861.
At the urging of Congressman Bobby Scott, Northam vetoed SB861. Why?
Because the rates were 15 to 20% lower than Obamacare individual market plans while providing lower deductibles and co-pays, and the Governor feared they would compete successfully with the Obamacare individual market plans and with Medicaid. Absent a government monopoly, they cannot compete.
Government Health Care, a product so good you must be forced to buy it at the point of a gun.