Expensive mandated coverages contribute to high health insurance premiums in Kentucky. There is insufficient sentiment in Frankfort to change this for us.
The answer is to allow Kentuckians to choose policies from different states that offer less expensive policies. A bill that has been in Congress for a while would do that.
The key to successful health care reform is to allow the private sector to help as many people as possible. State regulation may be necessary to provide consumer protections, but the legislature has expanded that regulation dangerously -- and expensively. If state regulators policed the market to protect against fraud but federal law were changed to enhance consumer choice with regard to policy benefit structure, family budgets would be less strained by coverages that don't fit their needs and uninsured people would find the market less expensive to participate in.
Kentuckians would benefit from Arizona Congressman John Shadegg's Health Care Choice Act.