Wednesday, January 27, 2010

Even ‘responsible’ people devastated by lack of insurance

5:52 PM Friday, December 18, 2009 - Dayton Daily News

To those letter writers, conservative pundits and talk radio “entertainers” who imply that the lack of health insurance is a question of personal responsibility and the government should not interfere, I have a few questions:
• If a person is denied health insurance because of a pre-existing condition, is that due to the person’s lack of responsibility or an irresponsible insurance industry?
• If a person purchases insurance, but then is denied coverage when he or she experience a serious injury or illness, is this irresponsible behavior on the part of the patient or the insurance company?
• If a person loses a job due to downsizing, and, as a result, loses health insurance, is this due to a lack of personal responsibility?
• If a person is driven into bankruptcy or the loss of his or her home due to unforeseen medical expenses or medical expenses insurance won’t cover, is this due to lack of personal responsibility?
It is insulting to imply that people who have been so devastated by the U.S. health care system could have avoided their predicament if they had just been more responsible. It takes a complete lack of compassion not to realize that many of us are just lucky we aren’t in their shoes. 
Daniel E. Fraga
New Carlisle

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