Instead of Harry Reid deciding whether your insurance plan covers Viagra, this decision would be made by you, the consumer. (I apologize for using the terms "Harry Reid" and "Viagra" in the same sentence. I promise that won't happen again.)
Instead of insurance companies jumping to the tune of politicians bought by health-care lobbyists, they would jump to tune of hundreds of millions of Americans buying health insurance on the free market.
Hypochondriac liberals could still buy the aromatherapy plan and normal people would be able to buy plans that only cover things such as major illness, accidents and disease. (Again -- things like Natoma Canfield's cancer.)
This would, in effect, transform medical insurance into ... a form of insurance!
My bill will solve nearly every problem allegedly addressed by ObamaCare -- and mine entails zero cost to the taxpayer. Indeed, a free market in health insurance would produce major tax savings as layers of government bureaucrats, unnecessary to medical service in America, get fired.
For example, in a free market, the government wouldn't need to prohibit insurance companies from excluding "pre-existing conditions."
Of course, an insurance company has to be able to refuse NEW customers with "pre-existing conditions." Otherwise, everyone would just wait to get sick to buy insurance. It's the same reason you can't buy fire insurance on a house that's already on fire.
That isn't an "insurance company"; it's what's known as a "Christian charity."
What Democrats are insinuating when they denounce exclusions of "pre-existing conditions" is an insurance company using the "pre-existing condition" ruse to deny coverage to a current policy holder -- someone who's been paying into the plan, year after year.
Any insurance company operating in the free market that pulled that trick wouldn't stay in business long.
If hotels were as heavily regulated as health insurance is, right now I'd be explaining to you why the government doesn't need to mandate that hotels offer rooms with beds. If they didn't, they'd go out of business.
I'm sure people who lived in the old Soviet Union thought it was crazy to leave groceries to the free market. ("But what if they don't stock the food we want?")
The market is a more powerful enforcement mechanism than indolent government bureaucrats. If you don't believe me, ask Toyota about six months from now.
Right now, insurance companies are protected by government regulations from having to honor their contracts. Violating contracts isn't so easy when competitors are lurking, ready to steal your customers.
In addition to saving taxpayer money and providing better health insurance, my plan also saves trees by being 2,199 pages shorter than the Democrats' plan.
Feel free to steal it, Republicans!