The Letter of the Law vs. The Spirit of the Law

In the wake of the “Affordable Healthcare Act” there appears to have been quite a few people whose “current” healthcare coverage was canceled by their providers citing the fact that the coverage they currently have does not comply with the new law.  In place of their old coverage they are offered new coverage at 3 to 4 times the cost of the old coverage.

Now unless you’ve been hiking the Himalayas for the last year and your “sat phone” battery was dead you have probably heard the President say many times that “if we like our current health care coverage then we can keep it”.  Well, apparently that is not quite true. Many stories are surfacing where people had their “current” coverage cancelled.  How could this happen?  After all, The President of the United States and leader of the free world promised this would not happen.  As always there is more than one way to look at something.

The Letter of the Law

The well funded insurance company gets a battery of lawyers to scour the large and necessarily complex affordable healthcare law in search of loop holes through which they can increase their revenue by canceling existing coverage that is less profitable under the cover of the new law.  They immediately send cancellation notices to these policy holders.

The Spirit of the Law

In this somewhat fantastical version of the same story, once the loopholes are found the CEO of the company says, “Wait a minute, I just heard the President say people can keep their coverage if they like it.  Don’t cancel their policies until I contact the White House and tell them about this so they can close this loophole.”

Based on mercenary considerations and political persuasions could we have predicted the actual outcome?  Come on folks, let’s all start pulling the cart in the same direction.    I’m just saying!


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