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Insurance exchange

While peaceful demonstrators stood on

the steps of our state capitol on Tuesday in solidarity over the

sanctity of life a different story was happening under their noses as

law makers met to discuss the Minnesota Insurance Exchange (part of



that meeting I noted a certain frenzy to pass the “data” section out of

committee by the Democrat members... without any legal guidelines for

the appeals process for eligibility and determination or any money

available to maintain it. The money for the exchange would come from

withholding up to 3.5 percent of our insurance premiums!

And as for appeals — we were told to just trust the government.


was confusion as to what private information would be required in order

to use the exchange. However, that confusion doesn’t really matter

because in May of 2012 section HHS 153.340 dealing with Obamacare went

into effect. Health and Human Services (HHS) says medical record

databases need to be developed to implement what healthcare policy

experts call “risk adjustment methodologies,” under the guise that

health risk factors be fairly distributed across the insurance pool.


state, or HHS will be collecting our medical records. Where did

doctor-patient confidentiality go? Where did HIPAA go? This is

intrusive! The type of information to be collected and stored away

includes individual diagnoses, the type of care provided, healthcare

providers seen, the amount paid, out-of-pocket liabilities, demographic

data and encrypted social security numbers.

HHS claims our records will be de-identified and researchers will be allowed access. What is the intent of the research?

Allowing such a database to be created could be a back door to greater government control.


state leaders need to take a close look at what is good for

Minnesotans. The folks in St. Paul need to stop the Minnesota Insurance

Exchange in its tracks. Collection of our medical records has nothing

to do with insuring the uninsured.

Jan Skjolsvik

Fifty Lakes