Traverse City Record-Eagle

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August 31, 2013

Letters to the Editor: 08/31/2013

Deal with free riders

I was quite surprised to hear Sen. Rand Paul’s (R-Ky.) discussion about health care. His argument is that our system has free riders, that young people are at low risk for health problems and forego insurance because it is too expensive. His proposal is that competition will reduce costs.

While lower health care costs may attract some free riders, many will continue to forego insurance given their low risk. As long as we have free riders, insurance companies still need the protection of a pre-existing exclusion clause so free riders could not sign up for insurance once they developed a medical condition.

Such a clause not only protects insurance companies from free riders but also prevents anyone who has a condition but loses coverage from buying insurance on their own.

The free riders who are absent from the pool of insured, with their low risk, increases the risk pool, which increases the cost of health insurance. By eliminating the free riders and creating insurance exchanges the new health care system hopes to lower insurance costs. The elimination of the pre-existing clause and some additional benefits may offset some of the cost savings.

Ronald C. Marshall

Petoskey

Keep taxes down

We are senior citizens on a fixed income and pay our taxes, which have gone up. We are again asked to vote “yes” for a millage increase.

Why can’t the schools try to live within a budget and keep taxes down? If taxes were less it might encourage more businesses to locate in our area so the children who graduate can remain in the area and not be forced to leave to find employment, thus increasing revenue.

Remember this when you go to vote.

Walter and JoannWilczynski

Traverse City

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