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Private-sector cure I

| Thursday, Aug. 29, 2013, 8:55 p.m.

Am I alone in standing to defend private health-insurance companies? They're getting a bad rap.

The product they sell is risk management. Yet the government prohibits companies from managing copays, deductibles, lifetime maximums, the definition of “child,” premiums, profits and pre-existing conditions.

Has anyone heard of adverse selection? Try buying auto insurance to cover your expenses after you wreck your car.

The result of these crippling regulations cannot be called insurance; it's redistribution of wealth. Is it any wonder that some insurance companies are opting out of some ObamaCare exchanges?

President Obama says that “health insurance isn't a privilege — it is your right.” Where in the Constitution does it say that? Besides, universal access to a health insurance card does not guarantee quality health care .

Anyone who believes that profit is evil might as well live in the old Soviet Union or Cuba. How did “free” health insurance work out for people there?

Carol McPeak Brinjak

Shaler

The writer, a certified employee benefits specialist, is a former Reed Smith benefits manager.

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