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Confusing Health Insurance with Health Care

August 21, 2009
Chris Garlasco, Owner & Managing Partner - Founders Insurance Group

Chris Garlasco, Owner & Managing Partner - Founders Insurance Group

There is a growing point of confusion that seems to be taking place in the media and with politicians that needs to be clarified. I have read and heard several politicians and pundits state that creating affordable health insurance will fix America woes. I recently read the following statement in the media, “Reform the insurance industry to make affordable healthcare available to all Americans.”

This statement is typical of the confusion and or lack of knowledge that many pundits seem to be displaying when trying to explain America’s need for healthcare reform. Health Care and Health Insurance are often interchanged as one in the same. The assumption in the pundit’s statement is the somehow reforming the insurance industry will directly lead to affordable health care. I do believe that we need some reform in health insurance, but the cost of the insurance will always reflect the cost of the care.

This may be one of the most important points and misunderstood points in the whole debate. Remember, insurance is product. It is a product that is designed to help pay for something that is not otherwise affordable. The less affordable that healthcare is, the less affordable the insurance needed to pay for the care will be as well.

Insurance reform without addressing the cost of health care will not lead to any long term solutions. The rate at which health care costs are rising is not sustainable with or without insurance. Think about it.

Have a great day!

Chris Garlasco

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