by gg3 » Sat 15 Sep 2007, 02:21:45
Ten poitns to Heinekin, Olaf, and Byron for catching Mr. Bill's ill-informed item about health insurance.
First of all, "if it.. isn't just a wealth transfer..." is like, "if there wasn't the law of gravity." As presently constituted, the health insurance industry is pure out and out fraud, a scam on an outrageous scale whose purpose is to extract money from patients & doctors and deliver as little health care as the law will let it get away with. Economically it's a cartel, which is a market distortion and by no means a free market; but in any case the term "market" doesn't apply to goods & services such as lifesaving medicine & surgery where you have no choice but to buy immediately or die immediately.
Second, "compulsed to buy..." translates to, legally required to pay money* to a private cartel that is subject to no checks and balances, for the privilege of just existing. I'll tell you what. Anyone try that on me and they will be looking at the practical side of the Second Amendment. I'm not alone on that point. (*Auto insurance requirements are onerous but the fact is that driving is optional. Taxes are onerous but government officials are subject to voters' veto at every election. There are no such solutions for a requirement to pay a private cartel just for the privilege of being allowed to live.)
Third, "assessment of risk..." OK, so we all have little bureaucrats telling us what we can and can't eat, drink, smoke, what kinds of exercise we need and how much, what kinds of recreation we're permitted to have, and so on, so now every possible voluntary measure is squeezed out of the numbers. After that the only remaining risk is genetic. So we'll have to line up for our genetic tests and get little assigned scores tattooed on our wrists or the electronic equivalent, that determine our fate in life. Once again, anyone want to try that on me, they'll be looking at the practical side of the Second Amendment.
The fact is we already know how to provide health care, because the rest of the world's already been doing it for well over half a century. Despite my Libertarian proclivities, the blunt fact is that universal, government-run, single-payer health care, funded via an increment in basic taxes, and paid for by a single government agency, results in better care at half the cost than what we have now. And if we want to allow private insurers to compete with that, fine, but they'll have to play on that playing field.
If we want to assess for risk, we can assess the relevant products & services rather than the individuals. First, do away with "sin" taxes, as they are a form of "legislating morality," and government has no business being in the morality business. Second, assess the taxes objectively based on cost calculations. I ran the numbers once for cigarettes, turned out to be about $2.50 per pack, and most smokers would not object to pay-as-you-go coverage for smoking-related risks. The same principle can be applied to every other product & service that carries a risk, including such things as skydiving lessons, mountain climbing equipment, circular saws, BB-guns, etc. etc. etc.
The point of that exercise being to make those lifestyle choices cost-neutral to society, thereby removing any basis for anyone to attempt to legislate morality by restricting peoples' choices in risky activities. In other words, maximize individual liberty. If you want to smoke two packs a day and I don't have to pay for the risk, fine with me, and I have no right to tell you to stop. If you want to climb mountains and I don't have to pay for the Spatula Squad if you slip, fine with me, and I have no right to tell you to stop.
So in effect by killing off a parasitic industry that has abused its own liberty, and replacing it with something that has a proven track record of success, we can also maximize individual liberty, which is always a good thing (subject to sustainability considerations which are also a blunt fact of life).
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Meanwhile back to our regularly scheduled doomsterism...