What's Next: Health Insurance Credit Scores

With Obamacare starting to affect millions Americans some people are asking can it get any worse?  Well it might just get worse with Health Insurance Credit Scores.  Many Americans do not realize that insurance scores are used not just to buy automobiles, homes, and consumer credit cards, but are also used in applying for home owners insurance and even auto insurance.  Corporations use credit scores to determine risk and the ability to pay back a debt or predict future possibility of future claims.


While preexisting conditions are covered under the new "Affordable Care Act" millions of Americans are getting sticker shock.  While the can find coverage it certainly is not "affordable" as promised by President Obama.  Now insurance companies are being forced to cover a wide variety of coverages and items that are "free" to the consumer.  Americans should realize nothing is free and those "free" coverages under Obamacare are just worked into your premium.


The Health Insurance Credit Score is coming soon to Americans.  The government soon will have more data than ever before.  Even cash paying clients of doctors cannot hide anymore.  Doctors are required to report everything to the government.  The government will have a wide variety of data that it never had before on Americans outside of Medicaid and Medicare.  As you may know the government already had the data on Medicaid and Medicare patients since they are already paying for those people.


The tentacles of the government will have data concerning if you use walk-in clinics, Emergency room care, hospital stays, medications you use, preexisting conditions, DNA profiling, also family history of parents and siblings, income status, marital status, financial credit score, employment status, gun ownership, occupation, and so much more.  They will use these items and others not discussed here to create a Health Insurance Credit Score.  This score could turn into a score that determines your rates all the way to who gets care first "rationing" when the system is under too much stress.


I always say if you can think it the government is either working on it or will be doing it soon.  Millions of Americans may be in denial of what is going on around them by watching "reality TV" while the reality around them is ready to devour them.  Will 1/6th of the economy being taken over by the Federal Government with Obamacare legislation and regulations be prepared for the government to cut off people somehow due to millions more being put on the Medicaid roles by saying they qualify for Medicaid.  Billions of taxpayer dollars being diverted to people that had no idea "they were poor" to qualify for Medicaid.

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Obamacare and Non-Profits

Many people know that Obamacare is a disaster and will affect millions of people directly through higher taxes and penalties.  There is one issue that many Americans do not realize and will be a direct result of Obamacare and what you may ask that is?  Obamacare is going to destroy the non-profit sector in the United States of America.

Many Americans give to non-profits, charities, and churches to help their local communities.  I am one of those Americans that gives out the generosity of my heart because I feel local money and local decisions get better results because we understand the needs of our own communities.  The problem of Obamacare is that it is going to hurt many people that give to non-profits.  If you get hit with an additional $3,000-$4,000 tax bill because you have a good health insurance or you don't have health insurance so you now have to pay a penalty you start to look for ways to cut back.

Americans will look for a way to cut back so they can afford rent, mortgage, car payment, insurance, and utilities and that list goes on.  Non-profits are going to suffer, but the government did not tell you that did they?  The government machine does not want you to know that non-profits will suffer and will give government more power to give away your hard earned money to groups and people that you did approve of giving your money to.  The government wants to squeeze out non-profits without saying it or doing it directly so why have Obamacare do it for them.

Churches will suffer also in not only their gifts from their congregations, but also for food banks and other help they provide for communities.  The government does not like competition so the squeeze is on, but if you are in the leadership of the church you can't speak out or face losing your non-profit status.  Ironic isn't it?  It's like trying to be in business against a company that can print money and borrow money on an almost unlimited basis.  Irony in this situation is dangerous to our local communities and non profits.  The government continues to acquire more power over our paychecks and now non-profits are in danger of being put out of business.

Many non-profits get matching funds from private companies or even government funding, but they must meet certain fundraising goals so without the private money coming in they serve less people and the government creeps in again on the non-profit sector.  Now private companies will be hurt on their bottom lines with Obamacare.  Many are starting to announce layoffs and positioning themselves to make a profit so soon you will see many companies cut charitable givings to survive this Obamacare nightmare.  Remember elections have consequences and this is one of them.