Michigan State Representative David E. Nathan

Representative Nathan doesn't want us Michiganders to have to endure No Fault "reform".
His defense of our insurance is that it has been working.
Michigan House Bill 4612 would alter those benefits.
But wouldn't our car insurance premiums go down, as I have hoped since the ACA was enacted?
Some no fault could be necessary, but with lifetime caps destroyed for those who have health insurance, we don't need it to be as expensive as it has been for the past thirty years.
When it comes to rehabilitative care for auto accident victims, I know Mr. Nathan could have a point.
He also worries about home and vehicle modification costs, as well as in-home attendant care.
Inasmuch as Michigan's Medicaid expansion would cost drivers $25 more than they pay now, that
sounds unconstitutional.
Someone will have to challenge states accepting federal Medicaid payments for expansion while
charging citizens for it. The initial expansion sees federal funds paying 100% . I don't see how a state
can hope to collect more than 100% on any citizen benefit.
Michigan insurers, according to Nathan, will offer a net $125 savings on our premiums, but only for
2015.
In 2016, insurers are free to raise our rates again. That makes no sense, because in 2016 the ACA will
be fully implemented- as in...paying all expansion claims.
Representative Nathan worries because MCCA ( Michigan Catastrophic Claims Association) is considered a private entity, therefore not required to disclose how they determine insurance rates for
Michigan citizens.
So, since this group services citizens as public entities- that makes no sense either. No state should be
allowed to receive federal monies if that state's insurance watchdogs are allowing companies to raise
rates without transparencies.
MCCA is immune to the Freedom of Information Act, and the Open Meeting Act.
If Michigan accepts federal health care monies, both those immunities need to go.
Our Republican legislature claims the MCCA will be dissolved after its final liability is paid, presumably sometime during fiscal year 2015, and their assets will be transferred to a new entity called Michigan Catastrophic Claims Corp.
Well, we shall see.
After WWII a great many German companies dissolved themselves, moving their personnel to the
U.S. as innocents, then congealing a great many of those business principals into brand new companies with brand new names.
I tried to steer clear of giving any business to these companies if I suspected they were hiding their
origins.
But even back then, in the 70s, I knew they were out there. I know now too, how slick some companies think they are when they may claim to be MCCC instead of MCCA with government
winks and nods.
If House Bill 4612 doesn't deliver the savings we drivers deserve from the millions our state will
collect from ACA for driver health care they no longer have to pay, we should be very, very angry.
For Michiganders, small car insurance premiums often will mean the difference between a family
having two sorely needed cars instead of one.
Whatever state a citizen lives in, U.S. constituencies should demand lower no fault rates.