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It is Time for Some Truth About the Individual Mandate.

COMMENTS

  • nathanalbright

    …between television and health care. Technically, free television is paid for by advertisers. If I remember correctly (I wasn’t around at the time cable started), one of the appeals of cable television originally was that payment for the product meant that one could escape the advertisements. That is clearly no longer the case, though. So, those who do not have cable are not in any real sense “free riders,” merely those targeted by very well-planned marketing efforts, like the person who goes to the free lunch and endures several hours of sales pitches about Real-Estate Investment Trusts. The lunch isn’t free–it requires moral willpower to endure. Neither is watching tv truly free in that sense.

    At its heart the issue is one of coercion. I haven’t had health insurance for a long while (a couple of years) not because I am a foolishly risky person but because when I lost my job as an engineering intern in the construction bust of Florida in 2009, the only jobs I could find were as independent contractors without steady pay or benefits. And I would hardly consider having to pay the doctor over $100 for a checkup on a gout attack being a free rider either. Our health insurance system, even before Obamacare, was really messed up, but it’s hard not to see that a better solution would have been to try to find some way of voluntarily aggregating people together so that the law of large numbers could work in their favor, especially if they were people who were young and without a great deal of risky behavior (as is the case with myself personally). It’s a shame that better roads haven’t been taken.

    • constitutional

      Probably wasn’t the best comparison in hindsight, but nevertheless if what I described were real, it would be entirely relevant.

      As for the better roads well, I cannot say I have the answer — and that’s probably just fine. I think the entire purpose of our country is for people to devise plans for themselves and improve things themselves. But nonetheless, requiring one further thing is not necessary — and definitely not conservative.

      • nathanalbright

        …there will need to be a better alternative. I definitely don’t know for sure what it should be, but a system where people are routinely considered uninsurable based on preexisting conditions or where individuals and small businesses are screwed by having to compete against massive corporations that benefit from the law of large numbers wouldn’t seem just either, and there would be free-market ways to aggregate those risks into pools to lower risks for insurance companies and lower costs for the individuals. Once we take an ax to Obamacare we have to replace it with some better, and more genuinely conservative, solution. Perhaps it’s good to have a vision of where one wants to go in this case.

        • constitutional

          Indeed that is true: I have always said there is a legitimate problem with insurance and preexisting conditions. While that should be addressed, I think it is just as important as the individual issue that there is no government takeover on the issue.

          • nathanalbright

            …and in dealing with the larger problem of the government of takeover, dealing with that problem in a free way would remove a great deal of the push for government involvement in the first place in health care.

  • jout99

    are created by the gov’t. Requirements concerning what is covered, anti-competition by not allowing insurers to operate across state lines, etc.
    After having a HC savings account in which one had to spend it all by the end of the year, I felt it was the ultimate in stupidity. Why can’t you roll over the unspent portion and let it build up for when you may/will really need it?

    Cut the regulations. Get the Feds out of health insurance and healthcare and we’ll all be better off.