Health care reform far from finished

Last year Obama ran on Hope and Change. The only change we have is the country is more divided now than in my lifetime. Hometown hero's are despised. Neighbors hate each other over political yard signs.

Obama has made change. Just not the kind I had hoped for.

If anyone actually believes that the gubment will cut medicare and actually lower the deficit I have a bridge I want to sell you.

Please name any gubment spending program that came in on budget? Medicare has cost trillions more than originally estimated, Social Security has been bankrupt because it is nothing more than a huge Ponzi scheme, something Bernie Madoff is in prison for running.

This is nothing but a huge power grab for the Dems pulling such a huge part of our economy into gubment controll and people won't call them socialists.

Mandates . They stink, and are so biased and selective, I am disbelieving that this is happening.

Example: Auto insurance. It is priced based on the profile of the driver and the auto itself. When the driver has a high risk history, he pays for that actuarial load. Same for the choice of car, he pays for the actuarial load. So the insured truly is paying for what he gets. And if a person contrives a way to buy it after the damage to the auto occurs, and tries to make a claim, that person is prosecuted for an illegal act called insurance fraud, in the process of trying to defeat adverse selection.

Example: Life insurance. Oh, yeah, the stories abound of how someone tries to buy it for their recently deceased relative or business partner, The judicial system also has a room for perpetrators in the grey bar hotel for that inconvenience called adverse selection that is fueling the crime called insurance fraud.

But health insurance: how did it get the title "entitlement"? The HIPPA rules written by a liberal named Ted Kennedy and his accomplice named Nancy Kassabaum, destroyed the actuarial science in the employer health market with a tool called Certificate of Credible Coverage. So it made it possible to seek employment for the purpose of transferring health costs to the employer, fellow employees, and even former employers with impunity. The closest to white collar crime ever perpetrated on any segment of society was written to defeat actuarial science and adverse selection in one single monstrous document. In years following, the left used HIPPA's discrimination against individual policies to vilify the insurance that truly has minimilized the adverse selection and creates forces to cause everyone to remain continuously insured. Ah, yes, the health insurance industry also was forced to price their group product in a way to not charge for those self imposed risks that drive claims off the chart. The analogy is that the auto insurance would price the same, whether the driver is a drunk, or driving an imported supercar, or both. Thus the public attitude of entitlement.

So now, the American Public will continue to send their adverse selection costs to each other via the confiscation of their tax dollars, when simultaneously knowing that other insurances will not allow the same privilege. And like little seventh graders, believe that they got something for nothing, until the under 30 group get their insurance premium notices in 2013. Too late, the realization will set in they have been had.

Harry Reid and 59 accomplices clearly have perpetrated the largest insurance fraud scam ever devised, and packaged it to call it an entitlement.