On October 29, 2009 the House released their latest version of the health care reform bill. This was a merger of three bills that were previously being debated in the House. In this article you will find direct quotes from the bill with page and line numbers, and a brief analysis from a small business owner germane to the president's claim that this would merely add a public option to all the other options available, and that you will be able to keep your present health insurance if you wish to.

"[T]he term 'grandfathered health insurance coverage' means individual health insurance coverage that is offered and in force and effect before the first day of (2013) if the following conditions are met:...the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of (2013)." Page 91 lines 6 - 16.

What insurance company is not going to want to add new clients? No one will be able to stay with their previous insurer. This is a public - dare I say government - mandate!

Another "if" exception to grandfathering from page 91 line 23 - 26 of the HR-3962 reads, "the issuer does not change any of its terms or conditions, including benefits and cost-sharing, from those in effect as of the day before the first day of (2013)."

A company offering coverage outside of the "public option" cannot change anything after the first day that the public option goes into effect? As a business owner myself I know you cannot remain stagnant and stay in business. You must change with the market. This government wants total control. Health care is 1/5th of the economy, some estimate that energy is 1/2 of the economy (cap and trade takes energy over), and they already own GM and Chrysler.

From page 92 lines 14-19, "an employment-based health plan in operation as of the day before the first day of (2013) must meet the same requirements as apply to a qualified health benefits plan under section 201, including the essential benefit package requirement under section 221."

In other words, private plans must look exactly like the "public option," eliminating competition, and creating another government monopoly. President Obama already reminded us how successful the other major government monopoly is, when he said, "I think private insurers should be able to compete. They do it all the time. I mean, if you think about, if you think about it, um, UPS and FedEx are doing just fine. Right? The, uh, no they are. I mean, it's the post office that's always having problems."