There is a part of health insurance that is meant to protect us from unpredictable or unavoidable “catastrophes,” such as getting cancer or having a heart attack. But there is also a part of health insurance that covers fairly predictable and routine medical expenses — the annual physical, a kid’s ear infection or a colonoscopy for a 55-year-old. In those cases, health insurance is not so much protection from catastrophe as it is a mechanism to “prepay” what is likely to be the bill for your own care.
Simply giving people more insurance without addressing the fundamental issues in the existing system is precisely the reason we feel Congress is not serious about reforming healthcare.
Here are a few other interesting points he discusses:
Then there are those who are demanding that Medicare pay more to doctors and hospitals in areas with high medical costs. In reality, this is nothing more than requiring the rest of us to subsidize the inefficient lifestyles and cost structures in rural communities and big cities.
Those who want to prohibit insurance companies from charging higher premiums to people who smoke, drink heavily, abuse drugs or have unhealthy diets apparently take the position that these behaviors should be subsidized by those who take better care of their health.
And those who rail against limits to end-of-life care are effectively saying that patients willing to follow the best medical evidence about what works and what is cost-effective should be required to subsidize those who don’t.
In a free country, people have the right to decide what to buy, where to live, what to eat and drink, and how much medical care to buy. They’re even free to negotiate for health benefits instead of wage increases. What they don’t have is the right to expect that everyone else should pay for their choices through higher taxes and higher health insurance premiums.
People respond to incentives. If regular, planned treatment continues to get covered by insurance (like using insurance to pay for groceries) then prices will remain high, unevenly distributed and opaque. If there is no penalty for making poor choices, then poor choices will abound.
Go read the whole thing.
Over a year ago Bill Whittle wrote an excellent essay which explains why government healthcare (especially in guise of the “public option”) is a terrible blow against freedom.
There’s a scene in Bowling For Columbine where Michael Moore interviews a typically decent and friendly Canadian as he emerges from a health clinic. The poor fellow had, as I recall, some serious injury, and Mssr. Moore wanted to know what it had cost him for treatment.
The man couldn’t reply. They hadn’t charged him. This took Michael Moore’s carefully rehearsed breath away! No charge? You mean, you got that medical attention for free?
That’s right, eh.
Cut to beatific look on directors face, as if he had just been handed a clean plate at a Shoney’s Breakfast Bar.
Folks, Canadians are great people. They are not a stupid people. So can we not, please, not ever again, call this Free Health Care? It is Pre-paid Health Care. That Canadian fellow paid for that treatment every week, for the past twenty years. It was taken out of every paycheck he made. He paid for that medical care, and much, much more. He paid for it whether he needed it or not. And he not only paid for the doctor, he paid for the bureaucrats and administrators in the National Health Service or whatever it’s called. It was not free. It was paid for. Whether he needed it or not. When he has fully recovered, years from now, he will still be paying for it. Every week, from every check. That car or vacation he couldn’t afford, got eaten up by health care he paid for but did not need.
So the question is, who better decides what kind of health care you and your family need: you, or Hillary Clinton? I understand that not all poor people can afford health insurance. Again, being a decent sort of fellow beneath my strikingly handsome exterior, I don’t mind paying a little extra for Medicare for people who need help. I can even live with my insurance rates being higher to cover the cost of caring for the uninsured at the Emergency Room.
But! What I most assuredly DO NOT need is for someone taking my money to give me a health care system I do not need or want. As my all-time idol P.J. O’Rourke once said, if you think health care is expensive now, just wait till you see what it costs when it’s free.
This is a great example of the seduction of the state, because “Free Health Care” sounds like a great deal. It’s Caring! It’s Healthy! And it’s Free!
It’s not free. And not only do I object to being told what I need and don’t need, I also object to the idea that some dim-witted Student Council dork thinks he knows what’s better for me than I do.
P.J. Again: if you think that Public is an altar to worship at, put the word “public” in front of these words and tell me how you feel: Restroom. Swimming pool. Transportation. Here’s another: Take the words Decision, Officer, Appointment, and then add the word “political” to the front end and watch them drop in value.
So, look around. Look at how people feel about government, and ask yourself, does this or that person think of themselves as an adult or as a helpless child? Freedom is not for children. Freedom means responsibility. It means making tough decisions yourself. Freedom is not government. Almost all government is the enemy of freedom; the bigger the government, the more powerful the enemy.
This is an excerpt from a longer essay which makes several other worthwhile points, so go read the whole thing.