The Big Humungous Gigantic Stupid
Welcome to health care "reform" that will make both our fiscal and physical health suffer. Krauthammer writes on NRO:
Insuring the uninsured is a moral imperative. The problem is that the Democrats have chosen the worst possible method -- a $1 trillion new entitlement of stupefying arbitrariness and inefficiency.
The better choice is targeted measures that attack the inefficiencies of the current system one by one -- tort reform, interstate purchasing. and taxing employee benefits. It would take 20 pages to write such a bill, not 2,000 -- and provide the funds to cover the uninsured without wrecking both U.S. health care and the U.S. Treasury.
A few of the goodies in the Senate bill, causing an "overregulated, overbureaucratized system of surpassing arbitrariness and inefficiency"?
•You'll find mandates with financial penalties -- the amounts picked out of a hat.
•You'll find insurance companies (who live and die by their actuarial skills) told exactly what weight to give risk factors, such as age. Currently, insurance premiums for 20-somethings are about one-sixth the premiums for 60-somethings. The House bill dictates the young shall now pay at minimum one-half; the Senate bill, one-third -- numbers picked out of a hat.
•You'll find sliding scales for health-insurance subsidies -- percentages picked out of a hat -- that will radically raise marginal income tax rates for middle-class recipients, among other crazy unintended consequences.
The bill is irredeemable. It should not only be defeated. It should be immolated, its ashes scattered over the Senate swimming pool.
Then do health care the right way -- one reform at a time, each simple and simplifying, aimed at reducing complexity, arbitrariness, and inefficiency.
How are things going in Britain with government-run health care? Well, here's an article -- Simon Heffer writing for the Telegraph, "Want to fix the NHS? Go private":
This exposes one of the great pretences of the NHS: that it is there first and foremost for the benefit of patients. It isn't. It exists these days mostly for the benefit of various trade unionists who are fully paid-up members of the Brown clientele, and who earn good money as petty bureaucrats trying to "manage" things that, if they need to be managed at all, could be far better done by fewer people in much more efficient systems....There is a solution, but it would really put out of joint the noses of the clientele. When a hospital fails in the way that the Basildon and Thurrock Trust has, it should be turned over immediately to a private-sector hit squad to sort it out.
This does not mean violating the terms of the 1946 Act that set up the NHS, and depriving people of a health service free at point of use. It means that the people who provide them with that service do not work for the state, but for contractors employed by it. I can understand that this would upset Leftists in all parties - including in the Tory party, whose policy on the NHS is to do everything identically to Labour - but that would be too bad. The maintenance of the ideological purity of the politically motivated should not be put before the lives of those to whom the state has a duty of care: but that is precisely how things are at the moment.







I disagree with Krauthammer: There's no such thing as a "moral imperative" that compels one to spend other people's money. It's a contradiction in terms.
Crid at November 29, 2009 1:28 AM
And can we all be reminded for about the fifty gazillionth time that being without health insurance isn't at all like going without health care? The two aren't at synonymous. In California at least, you show up sick at public hospital, they have to help you. It's the law.
Crid (cridcomment at gmail) at November 29, 2009 1:41 AM
The problem wit having ER's doing the primary care job is that it is expensive and wasteful.
They should encourage more CVS/ pharmacy type clinics with physician assistants. A much more efficient model.
Jim P. at November 29, 2009 3:29 AM
There's more to life (and decency) than efficiency.
Crid (cridcomment at gmail) at November 29, 2009 3:34 AM
I was about to raise the same point. We don't get any moral credit for being forced to do something. The only moral imperative involved is this one: each government should minimize the hurt and misery that it inflicts on the world (and not, to be sure, the hurt and misery that already exists in the world).
Some people (including myself) believe that people have a moral imperative to care for the poor, but government is a bad vehicle to use for that because there is no opt-out, and forcing someone to help is as bad as not helping to begin with. If you desire to contribute your own money to help poor people, you can contribute to organizations that will do so without hurting anybody in the process.
Other than that, Krauthammer's more or less correct: the current proposed health care bills won't achieve their stated aims, much less the other good things that people want in their health care. Reform doesn't require thousands of pages of graft and corruption, and can be handled one item at a time.
Pseudonym at November 29, 2009 8:17 AM
Besides—
> The problem wit having ER's doing
> the primary care job is that it is
> expensive and wasteful.
1. I don't believe it. Sez who?
2. So what?
3. It's only wasteful if you presume you should be paying for everyone else's health anyway, such that you're concerned about petty efficiencies... This is not how health care is approached when applied to the pink ass of someone you love, such as self or family.
4. It's not nearly, NEARLY as expensive as it will be with every fucking human being on the surface of this cocksucking globe drops drunk with the fantasy that caring for their health, and PAYING FOR that care, is the responsibility of other people....
...On that day, we are well & truly fucked.
Crid [CridComment @ gmail] at November 29, 2009 11:44 AM
Or gender. According to the bills currently floating around insurance companies can't "discriminate on the basis of gender" which is a nice way of saying that men should subsidize womans' health care. As if it isn't enough that women already get massive government subsidies for female health issues.
Since women use more health care insurance companies charge them higher premiums. Apparently some people have this crazy idea that you should have to pay for what you use, so; if you use more of something you should have to pay more.
This bill would make imagined discrimination illegal; but, legalize real discrimination. That is forcing younger people to pay more just because of their age, not; because of the amount of health care they use.
Best line ever!
Mike Hunter at November 29, 2009 6:13 PM
Amy Alkon
http://www.advicegoddess.com/archives/2009/11/29/the_big_humungo.html#comment-1679664">comment from Mike HunterIf women are, indeed, more expensive, they should pay more. Don't teen boys have to pay more for car insurance, or is that my imagination?
For health insurance, I would like to see a pregnancy opt-out...like, if you aren't covered for that, if you get pregnant, care is a la carte. I am never going to have a baby and I'd sure like to opt out.
Amy Alkon
at November 29, 2009 6:27 PM
I believe that the reason you can't opt out of the pregnancy portion of your health insurance is because of state mandates.
Some states force insurance companies to offer certain types of coverage. The rationale is that medical care related to pregnancy is covered by the state anyway, in the event that a uninsured woman becomes pregnant. So if a female has insurance why not make it mandatory to have pregnancy coverage so that the taxpayer doesn't get stuck with the bill.
This makes sense from a moral hazard point of view. After all if you're covered either way why bother to pay extra for more insurance?
Of course women who cannot have children, or; who have had their tubes tied get screwed. But most of them don't know it, and the ones who do aren't a vocal enough minority to cause any trouble with the politicians who enacted these laws.
Also notice how the creation of a medical entitlement resulted in an unintended consequence; making it necessary to create yet another law that has increased costs and restricted choice.
What really pisses me off is that along with high income individuals the groups that are getting screwed the most with this whole thing are males, and the young. But because they aren't politically powerful you never hear about it.
Yes teen boys and young males in general do have to pay more for car insurance. Because as a group they tend to crash their cars more often, and thus actually use car insurance more often. It's a pretty simply concept, if you use more of something you end up paying more.
Mike Hunter at November 29, 2009 10:37 PM
Insuring the uninsured is a moral imperative.
No, it is not, Mr. Krauthammer. Relying on medical insurance and government programs to cover the cost of every little medical problem is part of what's driving up both insurance AND medical costs, due to demand, IMO.
mpetrie98 at November 30, 2009 5:26 AM
Leave a comment