A Quote by Paul Zane Pilzer
I feel I'm doing God's work switching people from group plans to individual insurance.
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Before Obamacare, only 12% of individual insurance plans covered maternity plans. Even without that important benefit, women were charged up to 48% more than men for the same benefit package.
Right now in the insurance markets, we have sort of a disaster unfolding, a downward spiral, adverse selection, premiums in the individual market going through the roof. People can't afford insurance and insurance companies are losing hundreds of millions of dollars. If you repeal part of Obamacare to get rid of the individual mandate but keep some of the ideas, that people can still buy insurance after they're sick, the situation gets extraordinarily worse. And so what we're seeing now could be tenfold greater if you only repeal part of Obamacare.
The achievements of an organization are the results of the combined effort of each individual.
People who work together will win, whether it be against complex football defenses, or the problems of modern society.
Individual commitment to a group effort - that is what makes a team work, a company work, a society work, a civilization work.
The problem or the fundamental flaw of Obamacare was that they put regulations on the insurance, about 12 regulations, which increased the cost of the insurance. And so President Obama wanted to help poor, working-class people, but he actually hurts them by making the insurance too expensive to want to buy. I had someone at the house just recently was doing some work, and he said: "Oh, my son doesn't have insurance, he's paying the penalty because it's too expensive."
What is Obamacare doing? It's destroying the only kind of plans people without insurance ever get. And nobody seems to be noticing except the people who are being canceled and then can't find a replacement because it's too expensive.
Any group or "collective," large or small, is only a number of individuals. A group can have no rights other than the rights of its individual members. In a free society, the "rights" of any group are derived from the rights of its members through their voluntary individual choice and contractual agreement, and are merely the application of these individual rights to a specific undertaking... A group, as such, has no rights.
The basic premise of insurance is the pooling of funds from many to cover the costs of some. There are complicated methods for how to do this, but one fact remains consistent: For insurance to work well, people need to be in and stay in the insurance pool.
The people we live with and work with on a daily basis deserve our full attention. When we give people segmented attention, piecemeal time, switching back and forth, the switching cost is higher than just the time involved. We end up damaging relationships.
The money in the stabilization fund, $130 billion which I call an insurance bailout, is put in to try to cure the adverse selection that Obamacare created by making insurance too expensive. Healthy people didn't buy it. They tried to fix this by forcing young people to buy it through an individual mandate. Even that didn't work. So the way the Republicans fix it is they don't actually fix it. They subsidize it. So we have to fix what went wrong with Obamacare, not just recapitulate something that's broken.
There are only two kinds of plans. Plans that might work and plans that won't work... you have to take a plan that might work and make it work.
Individual commitment to a group effort - that is what makes a team work, a company work, a society work, a civilization work.
The autonomy of the individual appears to be complemented & enhanced by the movement of the group; while the effectiveness of the group seems to depend on the freedom of the individual.
All initiation of force is a violation of someone else's rights, whether initiated by an individual or the state, for the benefit of an individual or group of individuals, even if it's supposed to be for the benefit of another individual or group of individuals.
I advised the insurance companies to apply certain rate adjustments only to plans where the federal government provides assistance in order to save Montanans money and keep rates lower on other plans.
Sometimes we feel that one individual's action is very insignificant. Then we think, of course, that effects should come from channeling or from a unifying movement. But the movement of the society, community or group of people means joining individuals. Society means a collection of individuals, so that initiative must come from individuals. Unless each individual develops a sense of responsibility, the whole community cannot move. So therefore, it is very essential that we should not feel that individual effort is meaningless- you should not feel that way. We should make an effort.
My research and practice indicates that people need to be doing work they love and to love the work they do. They need to feel that their efforts matter for the people and causes about which they really care. Further, they need to be doing work with people they respect and enjoy. Finally, they need to feel free to choose where, when and how it all gets done. It's not easy to put these conditions in place, but it is certainly possible to do so, as I have seen and shown in my work in organizations and communities using the Total Leadership approach.
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