Commenting on another blog I came across an all too familiar problem:
We are hurting our job creation and productivity by failing to do so. As an example, my husband and I would desperately like to start our own business (create jobs!). However, since he had a heart attack and stents placed during his marathon training a couple of years ago, he is uninsurable. So we don’t create jobs. Maybe in 2014 if the powers that be don’t unravel the coverage guarantees of the ACA…" [by
Ignoring the debatable opinion in the first paragraph, it is the highlighted part that is really the problem. Since HIPAA passed in 1996 small groups are not only guaranteed issued but the rates are capped meaning sick groups are subsidized by healthier groups. As Kaiser shows all 57 States have Guarantee issue up to 50 lives; the only variable is does it start at one or two. Husband and wife is two, so no matter what state she lives in they are guaranteed insurance.
Maybe this is Darwin's way to prevent people from starting businesses that shouldn't, but it is concerning that people with these misbeliefs are voting. If someone wants to start a business so badly but is stopped by a problem that doesn't exist to what measure will they go to solve this imaginary problem?