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    Gov’t must step in to correct flawed health care law

    A recent notice from my long-term care insurer, John Hancock, informed me of a 77 percent rise in premium were I to keep the same level of benefits. It included the fact that “premium rates are not guaranteed, and could be increased again in the future.”

    It is distasteful to me to consider not paying my way should I need the care provided in this policy. I set up a plan so that taxpayers would not foot my bills for nursing home needs. That may not be possible with the inflation of costs for every area in which government is “helping.” The letter did not cite Obamacare as causation, but it did say that the rise is not due to “the recent recession, interest rate environment, or any other investment-related reason.”

    I do not fault the insurance company; instead, I realize that the rise is a result of a regulatory morass, enhanced opportunity for fraud, changes to the law’s original stated intent (with more to come), and general uncertainty in place of needed predictability in calculating projected costs to the company.

    Fixed incomes do not respond well to 77 percent increases. Nor do my children’s unfixed incomes. As experiences like mine come to light, should we not expect our government to repair or dismantle the law that hurts us?

    Nancy Balentine

    Westerly



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