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</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal> <o:p></o:p></p><div id=ygrp-mlmsg><div id=ygrp-msg><div id=ygrp-text><div><div id=yiv3411295784><div id="yui_3_16_0_1_1417495680617_355154"><div id=yiv3411295784><div id="yui_3_16_0_1_1417495680617_355153"><div id="yui_3_16_0_1_1417495680617_355152"><div id="yiv3411295784yui_3_16_0_1_1417116899517_305401"><p class=MsoNormal style='background:white'><span class=yiv3411295784><span style='font-family:"Helvetica","sans-serif";color:black'>Two articles that to my mind make in different ways strong arguments against pro-profit health insurance, the first very personally tragic and the second more legalistic and logical. Since the ACA was written to extend the insurance companies role in health care decisions</span></span><span class=yiv3411295784><span style='font-family:"Helvetica","sans-serif";color:#1F497D'>.</span></span><span style='font-family:"Helvetica","sans-serif";color:black'><br>Basic results: money is shoveled to insurance companies and people are legally obligated to buy inadequate insurance even if they </span><span style='font-family:"Helvetica","sans-serif";color:#1F497D'>cannot afford it, or pay a fine, which results in people without health care and less money because of the fine.</span><span style='font-family:"Helvetica","sans-serif";color:black'> </span><span style='font-family:"Helvetica","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><div id="yiv3411295784yui_3_16_0_1_1417116899517_305574"><div id="yui_3_16_0_1_1417495680617_361441"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'>The honest case for the ACA is slim-to-nonexistent but its supporters do not even try to make a case --which is telling in itself--as they merely point to the increased number of people with "coverage" without noting the monetary inadequacy of the coverage. As these two articles point out the first in a very heart-rending way coverage by for-profit insurers is inherently in conflict with the needs of patients, this result of the ACA is also conveniently swept under the rug by the pro-ACA crowd. Not only are the results of ACA meager, its high cost relative to results need to be highlighted as well as the fundamental reason for this result-- i.e., it was built on the dysfunctional pre-existing system of a for-profit health care system. Also, I do not think it is a stretch to point out that the ACA has given a boost to the privatization of health care such as we are seeing in Illinois. <o:p></o:p></span></p></div><div id="yui_3_16_0_1_1417495680617_361892"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'> <br><br><o:p></o:p></span></p></div></div><div id="yiv3411295784yui_3_16_0_1_1417116899517_305531"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'><a href="http://www.thedailybeast.com/articles/2014/11/24/how-the-health-care-bureaucracy-killed-me.html" target="_blank">My Insurance Company Killed Me, Despite Obamacare</a><br><br><o:p></o:p></span></p></div><div style='margin-top:3.75pt;margin-bottom:3.75pt' id="yiv3411295784enhancrCard_1"><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=450 style='width:337.5pt;border-collapse:collapse'><tr style='height:.75pt'><td colspan=8 style='background:#E5E5E5;padding:0in 0in 0in 0in;height:.75pt'><div><p class=MsoNormal style='background:#E5E5E5'><span style='font-size:1.0pt'> <o:p></o:p></span></p></div></td></tr><tr style='height:4.5pt' id="yiv3411295784yui_3_16_0_1_1417116899517_305701"><td width=1 rowspan=5 style='width:.75pt;background:#E5E5E5;padding:0in 0in 0in 0in;height:4.5pt'><div><p class=MsoNormal style='background:#E5E5E5'><span style='font-size:1.0pt'> <o:p></o:p></span></p></div></td><td width=168 rowspan=5 style='width:1.75in;background:black;padding:0in 0in 0in 0in;height:4.5pt' id="yiv3411295784yui_3_16_0_1_1417116899517_305700"><p class=MsoNormal align=center style='text-align:center'><a href="http://www.thedailybeast.com/articles/2014/11/24/how-the-health-care-bureaucracy-killed-me.html" target="_blank" id="yiv3411295784yui_3_16_0_1_1417116899517_305698"><span style='color:black;text-decoration:none'><img border=0 width=168 height=112 id="yiv3411295784yui_3_16_0_1_1417116899517_305697" src="http://cdn.thedailybeast.com/content/dailybeast/articles/2014/11/24/how-the-health-care-bureaucracy-killed-me/jcr:content/image.img.2000.jpg/1416845686225.cached.jpg" alt=image></span></a><o:p></o:p></p></td><td width=1 rowspan=5 style='width:.75pt;background:#E5E5E5;padding:0in 0in 0in 0in;height:4.5pt'><div><p class=MsoNormal style='background:#E5E5E5'><span style='font-size:1.0pt'> <o:p></o:p></span></p></div></td><td width=14 rowspan=5 style='width:10.5pt;background:white;padding:0in 0in 0in 0in;height:4.5pt'><div><p class=MsoNormal style='background:white'><span style='font-size:14.0pt'> <o:p></o:p></span></p></div></td><td colspan=2 style='background:white;padding:0in 0in 0in 0in;height:4.5pt'><div><p class=MsoNormal style='mso-line-height-alt:4.5pt;background:white'><span style='font-size:6.0pt'> <o:p></o:p></span></p></div></td><td width=20 rowspan=5 style='width:15.0pt;background:white;padding:0in 0in 0in 0in;height:4.5pt'><div><p class=MsoNormal style='mso-line-height-alt:4.5pt;background:white'><span style='font-size:20.0pt'> <o:p></o:p></span></p></div></td><td width=1 rowspan=5 style='width:.75pt;background:#E5E5E5;padding:0in 0in 0in 0in;height:4.5pt' id="yui_3_16_0_1_1417495680617_361439"><div><p class=MsoNormal style='background:#E5E5E5'><span style='font-size:1.0pt'> <o:p></o:p></span></p></div></td></tr><tr id="yiv3411295784yui_3_16_0_1_1417116899517_305693"><td width="100%" colspan=2 style='width:100.0%;padding:0in 0in 0in 0in' id="yiv3411295784yui_3_16_0_1_1417116899517_305692"><div id="yiv3411295784yui_3_16_0_1_1417116899517_305691"><div id="yiv3411295784yui_3_16_0_1_1417116899517_305690"><p class=MsoNormal style='background:white'><span style='font-family:"Georgia","serif"'><a href="http://www.thedailybeast.com/articles/2014/11/24/how-the-health-care-bureaucracy-killed-me.html" target="_blank"><span class=yiv3411295784link-enhancr-element><span style='font-size:13.5pt;color:black;text-decoration:none'>My Insurance Company Killed Me, Despite Obamacare</span></span></a><o:p></o:p></span></p><div id="yiv3411295784yui_3_16_0_1_1417116899517_305696"><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Georgia","serif";color:#999999'>Malcolm MacDougall’s insurance company delayed and denied cancer treatments despite his premiums being paid. The Affordable Care Act did nothing to save his life.<o:p></o:p></span></p></div></div></div></td></tr><tr style='height:3.0pt'><td colspan=2 style='background:white;padding:0in 0in 0in 0in;height:3.0pt'></td></tr><tr id="yiv3411295784yui_3_16_0_1_1417116899517_305706"><td style='padding:0in 0in 0in 0in'><div><p class=MsoNormal><span style='font-size:1.0pt'><a href="http://www.thedailybeast.com/articles/2014/11/24/how-the-health-care-bureaucracy-killed-me.html" target="_blank"><span class=yiv3411295784link-enhancr-element><span style='font-size:7.0pt;color:#999999;text-decoration:none'>View on </span></span><span class=yiv3411295784link-enhancr-view-on-domain><b><span style='font-size:7.0pt;color:#999999;text-decoration:none'>www.thedailybeast...</span></b></span></a><o:p></o:p></span></p></div></td><td width=100 style='width:75.0pt;padding:0in 0in 0in 0in' id="yiv3411295784yui_3_16_0_1_1417116899517_305705"><p class=MsoNormal align=right style='text-align:right'><span class=yiv3411295784link-enhancr-element><span style='font-size:7.0pt;color:#999999'>Preview by Yahoo</span></span><span style='font-size:1.0pt'><o:p></o:p></span></p></td></tr><tr style='height:6.75pt' id="yiv3411295784yui_3_16_0_1_1417116899517_310595"><td colspan=2 style='background:white;padding:0in 0in 0in 0in;height:6.75pt' id="yiv3411295784yui_3_16_0_1_1417116899517_310594"></td></tr><tr style='height:.75pt' id="yiv3411295784yui_3_16_0_1_1417116899517_305709"><td colspan=8 style='background:#E5E5E5;padding:0in 0in 0in 0in;height:.75pt' id="yiv3411295784yui_3_16_0_1_1417116899517_305708"><div id="yiv3411295784yui_3_16_0_1_1417116899517_305707"><p class=MsoNormal style='background:#E5E5E5'><span style='font-size:1.0pt'> <o:p></o:p></span></p></div></td></tr><tr height=0><td width=1 style='border:none'></td><td width=168 style='border:none'></td><td width=1 style='border:none'></td><td width=5 style='border:none'></td><td width=143 style='border:none'></td><td width=124 style='border:none'></td><td width=7 style='border:none'></td><td width=1 style='border:none'></td></tr></table></div><div id="yiv3411295784yui_3_16_0_1_1417116899517_305467"><div id="yui_3_16_0_1_1417495680617_364357"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'><o:p> </o:p></span></p></div><div id="yui_3_16_0_1_1417495680617_364359"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'>This second article is a bit more general critique of all for-profit insurance companies, not only health insurance ones. But a lot of the examples relate to health care including the auto insurance example. <o:p></o:p></span></p></div><div id="yui_3_16_0_1_1417495680617_364361"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'><br><br><o:p></o:p></span></p></div></div><div id="yiv3411295784yui_3_16_0_1_1417116899517_305429"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'><a href="https://www.justice.org/sites/default/files/file-uploads/InsuranceTactics.pdf" target="_blank">https://www.justice.org/sites/default/files/file-uploads/InsuranceTactics.pdf</a><o:p></o:p></span></p></div><div id="yiv3411295784yui_3_16_0_1_1417116899517_305402"><p class=MsoNormal style='background:white'><span style='font-family:"Helvetica","sans-serif";color:black'> <o:p></o:p></span></p></div></div></div></div></div></div></div></div><div style='margin-top:7.5pt' id=fromDMARC><div class=MsoNormal align=center style='text-align:center'><hr size=2 width="100%" noshade style='color:#E3E3E3' align=center></div></div><p class=MsoNormal><br><br><o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:1.0pt;color:white'>.<o:p></o:p></span></p></div></div><p class=MsoNormal><img border=0 width=1 height=1 id="_x0000_i1029" src="http://geo.yahoo.com/serv?s=97359714/grpId=22124229/grpspId=1705063985/msgId=7640/stime=1417575933"><br><img border=0 width=1 height=1 id="_x0000_i1030" src="http://y.analytics.yahoo.com/fpc.pl?ywarid=515FB27823A7407E&a=10001310322279&js=no&resp=img"><o:p></o:p></p><div><p class=MsoNormal><span style='color:white'>__,_._,___<o:p></o:p></span></p></div></div></body></html>