The Strategypage is a comprehensive summary of military news and affairs.
 News As History - November 21, 2009




New Strategy - Wargames at Discount Prices
1.Modern Air Power: War Over the Middle East
2.Commander: Napoleon at War
3.Close Combat: Watch am Rhein
4.Gallic Wars
5.Fast Action Battle: The Bulge

100+ Computer and Board games all with free shipping.
 
 
 
Military History | How To Make War | Wars Around the World Rules of Use
How to Behave on an Internet Forum
United States Discussion Board
Sign In   Return to Topic Page
Subject: What the US Healthcare debate is really about
Aussiegunneragain    9/14/2009 6:05:16 AM
Dreading getting sick not healthy

Andrew Sullivan | September 14, 2009
Article from: The Australian
THERE are many valid criticisms to be made of US healthcare, but let me tell a story that helps explain its strengths. Only 15 years ago, the retrovirus HIV was killing thousands in the US - six times as many young Americans have died of AIDS as died in Vietnam -- and researchers had never found a way to stop such a sophisticated and constantly evolving organism from burying itself in people's immune systems and slowly destroying them.

I was told in 1993 that I had a few years to live. I write this 16 years later with a stronger immune system than I have ever measured before.

The US's much-maligned healthcare system did this. Without this vast and free market in medical care and pharmaceuticals, without the potential for making large amounts of money from affluent and insured patients, the innovation of treatments would never have occurred at the pace it did.

Yes, publicly funded research was also vital - but it is rightly restricted to basic science, not finessing drugs for humans. Now we have dozens of anti-HIV drugs, from private companies competing with each other, and my life is saved. How do I put a price on that?

Here's the catch. This miraculous process was possible for me only because I had insurance through my employer. When I quit my job editing The New Republic, in part to grapple with HIV's toll, my employer compassionately allowed me to stay on staff at a low salary solely to protect me from going without insurance at all. You see: once without insurance in America, I would never have been able to get it again. I would have had a "pre-existing condition" and no insurance company would have accepted me.

An uninsured freelancer with HIV had one option if he were to survive - heading fast into personal bankruptcy. If I had finally lost everything, I would then have been able to apply for public assistance. Losing everything you have ever had to prevent your own death was nearly my fate. It is the fate of many in the US - not the very poor, who are helped, however badly and expensively, in hospital emergency rooms - but the working middle classes who lose their healthcare soon after they lose their job.

It is this that is at the centre of Barack Obama's proposals for reform. Yes, finding a way to control soaring costs is essential, and Obama's final compromise bill, especially if it is without an option for an affordable publicly provided plan, doesn't do nearly enough. Nonetheless, what the President was really selling last week was a little more middle-class security. And that was why it was more politically lethal, I suspect, than the pundit class has yet to absorb.

Some see the potency of this move. Back in 1993, when the Clintons proposed a much more ambitious plan, Republican strategist Bill Kristol wrote a famous memo arguing that the Right should not negotiate or propose an alternative but should simply do all it could to kill the bill. In it, he shrewdly homed in on the danger as he saw it: "The long-term political effects of a successful Clinton healthcare bill will be even worse - much worse (than its medical consequences). It will re-legitimise middle-class dependency for 'security' on government spending and regulation. It will revive the reputation of the party that spends and regulates, the Democrats, as the generous protector of middle-class interests. And it will at the same time strike a punishing blow against Republican claims to defend the middle class by restraining government."

I understand this sentiment and, given my libertarian leanings, tend to resist government intervention when it is unnecessary. I opposed the Clinton plan as too centrally dictated and bureaucratic. In an ideal world, I'd like to scrap the US system entirely, sever the connection between employment and health insurance, allow individuals to buy insurance from competing healthcare exchanges, and leave the rest to fee-for-service medicine. But it is a political fact that this won't happen in America.

Obama's speech last week was therefore directed at people like me: suspicious of change and government, but aware the system is both inefficient and at some point cruel, even immoral. He played the Burkean card: "I believe it makes more sense to build on what works and fix what doesn't, rather than try to build an entirely new system from scratch." He dangled the prospect of relief: "As soon as I sign this bill, it will be against the law for insurance companies to drop your coverage when you get sick, or water it down when you need it most."

And here's the best pitch for universal healthcare to conservatives in a long time: "That large-heartedness - that concern and regard for the plight of others - is not a partisan feeling. It is not a Republican or a Democratic feeling. It, too, is part of the American character."

This patriotic appeal was the real import of the speech.

The proposals are nobody's ideal, but they do create healthcare exchanges that could develop into real arenas for consumer choice; they do remove a huge amount of insecurity and anxiety from many middle-class Americans; and they amount to the passage of universal coverage in a largely private system.

If this passes, Obama will become a hero to the Democratic Party. And if it works, he will be a hero to everyone who, like me, once feared sickness because it meant potential bankruptcy.

The Sunday Times

www.theaustralian.news.com.au/story/0,25197,26067359-26397,00.html
 
Quote    Reply

Email Me When A New Comment Is Made
Show Only Poster Name and Title     Sort in Reverse Order Posted

Pages: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15   NEXT
reefdiver       9/14/2009 10:49:12 AM
"If this passes, Obama will become a hero to the Democratic Party. And if it works, he will be a hero to everyone who, like me, once feared sickness because it meant potential bankruptcy."
 
So it boils down not to protecting your life - but bankruptcy protection. Not to necessarily protect just your life, but your assets. So we're talking mainly about protecting assets. Everyone should be protected against bankruptcy due to medical issues. And it is everyone else who should assure this.  My friends, this is what is called collectivism and socialism. If we're going down this path then at least have the decency to call it what it is. Proudly shout it from the rooftops and change the name of the Democratic Party to what it really should be: the Social Democratic Party.
 
Benjamin Franklin wrote "They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety".  Jefferson wrote "We must make our election between economy and liberty or profusion (of government) and servitude (to government)". But hey - they've been dead some 200 years. Why should we listen to anything they wrote...
 
If the most prominent bills in the house and senate pass as currently written - and that of course is the most significant factor - they will cost this country additional trillions, they will destroy hundreds of thousands of jobs in the insurance industry, and create the largest bureacracy in government outside of the military. This will all be done in the name of the financial security of the individual. The vaunted "insurance exchanges" will soon disappear in the face of competition from government insurance that is its backed by US taxpayers and along with them the insurance companies.  In our desire to be compassionate for a few, we will take money and liberties from the rest of America. We're even requiring people to purchase insurance (don't worry, it won't be long until it will simply be another government deduction from your paycheck).
 
What do people not understand about the word "socialism"? Here's a definition from dictionary.com:  " (in Marxist theory) the stage following capitalism in the transition of a society to communism, characterized by the imperfect implementation of collectivist principles".  You can call these bills nothing but collectivist.
 
Quote    Reply

buzzard       9/14/2009 11:21:29 AM
Lest it be forgotten Mr. Sullivan is in the middle of a quid pro quo with the administration:
 
h--p://pajamasmedia.com/ronradosh/2009/09/11/andrew-sullivans-bust-the-real-issue/

To sum up, he was busted for possession of weed, and the DoJ decided to waive prosecution in his case, but not in any others.
 
I guess it's good to suck up to the king. 
 
Quote    Reply

sentinel28a       9/14/2009 4:40:48 PM
Wasn't Andrew Sullivan also the guy who started the "Trig is not Sarah's baby" meme?
 
He's partially right, though: what the US health care debate is really about is not health care.  Everyone agrees that it needs reform, that costs are spiraling upwards, and things are not getting any better.  However, some of the more obvious reforms have been skipped over by the Democrats.  This is about creating an American people who are solely dependent on the government for everything--medical care, energy, cars--a command economy at best similar to that of the UK's and at worst similar to that of the Soviet Union.
 
So it's not about health care.  It's about control--namely, political control.  A people who get handouts from the government tend to vote for those handing out the goodies.
 
The amazing thing about all this isn't that Obama's asking us to hand over medical care to bureaucrats.  The amazing thing is that Obama wants us to ignore the freight train coming right at us called "how are we going to pay for this?"
 
Quote    Reply

FJV    The government is allowed to do anything it wants as long as it is nothing.   9/14/2009 5:31:50 PM
It's about libertarianism, where the government can exactly do nothing to fix healthcare. As a matter of fact the government should do less instead of more. And it's not just about healthcare, it's about everything where the government could play a useful role. The government should do nothing and tax nothing.
 
Because of this you will meet the same resistance if the govt. wants to:
- Increase regulation on banks and/or coorperations.
- Stop unilateral free trade policies and levee import taxes.
- Use provisions in the trade agreements against dumping of foreign products.
- Increase taxes on the top 1% income group.
- Increase any taxes.
- Fund research and start a trade policy.
- Bail out strategic industries.
- Stop illegal immigration.
Anything really.....

This fad will end up just as damaging to the West as the "political correctness" or the "global warming" fad. If it's stupid and it's rightwing, it's still stupid in my opinion. Somehow "wanting" the govt. to fix this without allowing the govt. any realistic way to have the funds to fix this is weird.
 
Of course there are also the masochists that would prefer the govt would have done nothing to prevent worse. They do not seem to mind when their bank goes "poof" in a bankruptcy along with their savings and their pension.
 
 

 
 
Quote    Reply

Nanheyangrouchuan       9/14/2009 6:35:18 PM
No one, least of all me, is arguing that upper end health care should not profit driven.  That is what keeps us ahead of the pack and will for the forseeable future.
 
Its the lower end of health care that is the most profitable and is the most manipulated by the health insurance industry.  It is the only industry in which you can be refused access to the product/service that you have paid for based on a judgement issued by someone who doesn't even have to explain the logic behind their reason, and you rarely if ever get to sue the insurance provider for not providing what you have paid for or making a decision on the service you have paid for that directly leads to your physical harm and/or death.
 
People like FJV probably own stock in health insurance companies and don't mind seeing people die just to increase profit margin and therefore stock prices.
 
Quote    Reply

reefdiver       9/14/2009 8:02:35 PM

No one, least of all me, is arguing that upper end health care should not profit driven.  That is what keeps us ahead of the pack and will for the forseeable future.

Its the lower end of health care that is the most profitable and is the most manipulated by the health insurance industry.  It is the only industry in which you can be refused access to the product/service that you have paid for based on a judgement issued by someone who doesn't even have to explain the logic behind their reason, and you rarely if ever get to sue the insurance provider for not providing what you have paid for or making a decision on the service you have paid for that directly leads to your physical harm and/or death.

People like FJV probably own stock in health insurance companies and don't mind seeing people die just to increase profit margin and therefore stock prices.

Actually, you'll find the insurance companies have had their hands slapped by government fines quite a number of times. There is little doubt they get overly agressive. In general, if you have and continue paying for your insurance, it can't be taken from your. Lie or neglect to mention something on an insurance application and you'll likely be surprised when you can least afford it.
Oddly, I'm finding few people who don't believe there needs to be some sort of reform in the health insurance and healthcare business. The most substantial disagreement comes on letting the government take things over. 

 
 
Quote    Reply

Aussiegunneragain    Nan   9/15/2009 6:55:59 AM


 

People like FJV probably own stock in health insurance companies and don't mind seeing people die just to increase profit margin and therefore stock prices.


I suggest you re-read FJV's post, he doesn't appear to be somebody who is batting for the health insurance companies to me.

 
Quote    Reply

Aussiegunneragain    Reefdiver   9/15/2009 7:15:40 AM
So if US health policy continues to let people go into personal bankruptcy when they get shafted by their health insurance company as a result of a chronic, like you seem to be advocating should be the case, what do you suggest doing with the individual once his or her money for treatment has run out? The only option according to strict libertarian principles would be to let the person fend for themselves, which either means dying or if they are lucky getting continued treatment through charities.
 
You probably wouldn't worry about this because you can use your wife's knowledge of health insurance products to ensure that you have a policy that prevents it happening from you. However, the reality is that health insurance is a complex product and many  people will have difficulty differentiating a good policy from a bad one, that is if they actually get the choice rather than having their employer choose for them. They want the assurance that well-designed regulations around things like pre-existing conditions to protect them from making a mistake that can't be corrected because it would result in them ending up dead. As far as I am concerned that is a quite reasonable expectation for people to have of their government and if they want to elect a government that provides it and you don't like that, then that is just bad luck for you.
 
 
Quote    Reply

Aussiegunneragain    Reefdiver (typo corrected)   9/15/2009 7:38:43 AM
 
So if US health policy continues to let people go into personal bankruptcy when they get shafted by their health insurance company as a result of a chronic illness, like you seem to be advocating should be the case, what do you suggest doing with the individual once his or her money for treatment has run out? The only option according to strict libertarian principles would be to let the person fend for themselves, which either means dying or if they are lucky getting continued treatment through charities.
 
You probably wouldn't worry about this because you can use your wife's knowledge of health insurance products to ensure that you have a policy that prevents it happening from you. However, the reality is that health insurance is a complex product and many  people will have difficulty differentiating a good policy from a bad one, that is if they actually get the choice rather than having their employer choose for them. They want the assurance that well-designed regulations around things like pre-existing conditions to protect them from making a mistake that can't be corrected, because it would result in them ending up dead. As far as I am concerned that is a quite reasonable expectation for people to have of their government.
 
 
Quote    Reply

Aussiegunneragain    Reefdiver (typos corrected again)   9/15/2009 7:40:50 AM

Sorry, long day at the office.  

---------------------------------------------------------------------------------------------------------------------------
 
So if US health policy continues to let people go into personal bankruptcy when they get shafted by their health insurance company as a result of a chronic illness, like you seem to be advocating should be the case, what do you suggest doing with the individual once his or her money for treatment has run out? The only option according to strict libertarian principles would be to let the person fend for themselves, which either means dying or if they are lucky getting continued treatment through charities.
 
You probably wouldn't worry about this because you can use your wife's knowledge of health insurance products to ensure that you have a policy that prevents it happening from you. However, the reality is that health insurance is a complex product and many  people will have difficulty differentiating a good policy from a bad one, that is if they actually get the choice rather than having their employer choose for them. They want the assurance that well-designed regulations around things like pre-existing conditions to protect them from making a mistake that can't be corrected because it would result in them ending up dead. As far as I am concerned that is a quite reasonable expectation for people to have of their government and if they want to elect a government that provides it and you don't like that, then that is just bad luck for you.
 
Quote    Reply

Hugo    FJV   9/15/2009 9:10:17 AM
 

The government should do nothing and tax nothing.

 

Because of this you will meet the same resistance if the govt. wants to:

- Increase regulation on banks and/or coorperations.

- Stop unilateral free trade policies and levee import taxes.

- Use provisions in the trade agreements against dumping of foreign products.

- Increase taxes on the top 1% income group.

- Increase any taxes.

- Fund research and start a trade policy.

- Bail out strategic industries.

- Stop illegal immigration.

Anything really.....

 

 

You constantly criticize liberty FJV so I am going to challenge your critiques because I feel that they are misinformed.

- Increase regulation on banks and/or coorperations.

 

There is scarecely an industry that is more heavily regulated than banks and other financial institutions. It gets worse though because our entire money supply is centrally planned. In other words there is no free market in financial services. Indeed the government goes out saving some institutions (Goldman Sachs) and deciding to not save others (Lehmann Brothers). The idea that the financial services industry is a free market devoid of regulation is the height of absurdity. Government allows banks to be money lenders and warehouses of the very same money they lend. Perhaps you can explain that one. Why was it in the great crash of 1929 that banks across the United States, where the industry was heavily regulated, went bust and why the total number of banks in Canada where the industry was far less regulated, the total number of banks going bust was the precisely neat sum of zero. Oh sure, more government, that's a tremendous idea.

 

- Stop unilateral free trade policies and levee import taxes.

 

Who is helped by disruptions to free trade and the imposition of import taxes? Why should the public pay more for goods than they would under a free market? Do you enjoy paying more for groceries because the European Union enacts trade tariffs and pays farmers for crops that it then warehouses to keep from the market? Do you like the idea that impoverished African communities cannot export agricultural products to Europe because they are rendered uncompetitive by politicians?

 

- Use provisions in the trade agreements against dumping of foreign products.

 

Dumping is a favourite word of the politicians without them being very capable of proving the allegations. What is wrong with lower prices for consumers? Do you believe the government should be protecting high prices in order to improve the bottom line of domestic producers? Funny how dumping claims so often come from those markets where a domestic competitor is present.

 

- Increase taxes on the top 1% income group.

 

Why stop there, let?s make it 70%, why should 1% of the populace have the same right to their property than the bottom 1% ? It's not like the top 1% does anything useful with that money, they stuff it under their mattresses and count it by candlight every night whilst twirling their moustaches. It's not like they produce goods and services for the remaining 99% of the populace and invest in factories that employ persons. Of course the government is so good at producing goods and services that it has to actually use physical force to compel us to pay for them. Their services are so good that finding anyone actually willing to pay for them is entirely unnecessary.

 

- Increase any taxes.

 

How about someone, let's start with you, actually providing evidence that what happens with those taxes is beneficial. I don't know about you but I'm pretty dissatisfied with the lack of bang for the buck. Indeed when it comes to the government it is more often than not a case of another buck for the buck.

 

- Fund research and...

 

Fund research into what? I think if you'll take a cursory glance at the entirety of history you'll find private persons and private individuals, under their own initiative, have provided us with far greater discoveries beneficial to mankind than the government ever has. All of the research in the former Soviet Union for example was government funded and directed.  So what is it exactly that in the over seventy years of that country's huge government directed research programs that you or anyone else you know actually has benefitted from?

 

.. start a trade policy

 

How about free trade, there's a really simple trade policy. The both of us would benefit because we'd no longer have to pay bureaucrats in Brussels (who surprise, surprise, are exempted from income taxes) to spend their days deciding the appropriate size of bananas entering the EU or what inclination the bend of a cucumber ought to be.

 

- Bail out strategic industries.

 

 

Who gets to decide what is strategic or not? Right now what industries are deemed strategic coincidentally also have the largest lobby groups. Perhaps you'd like bailouts for more banks. That way the next time some twit in a pinstriped suit is deciding whether or not to make a risky loan he doesn't have to worry about any negative implications because the last few times he did the same thing the government gave him a truckload of taxpayer money. The smaller, prudent bank down the corner who did the right things can't win any more of the market because the guys making the big bucks just keep making bigger bets until the government decides they are "too big to fail." 

 

- Stop illegal immigration.

 

Yes, because government is doing such a good job of that as we well know. Perhaps if we didn't have such restrictive trade policies, Africans and others could earn a decent living by selling us stuff we want given a level playing field and that way they wouldn't have to pack their belongings and at danger to themselves and their families seek out a miserable life on the outskirts of places like Amsterdam eking out a pitiful existence as a menial worker with no opportunity for self improvement or worse, take to a life of crime.

 
Quote    Reply

buzzard       9/15/2009 9:57:28 AM
So if US health policy continues to let people go into personal bankruptcy when they get shafted by their health insurance company as a result of a chronic illness, like you seem to be advocating should be the case, what do you suggest doing with the individual once his or her money for treatment has run out?
 
As opposed to a system in  which if the government decides that treating you isn't worth the money, and you die?
 
For someone who claims to know a lick about economics, I find glaring gaps in your reasoning. 
 
There are horror stories on both sides of this debate. Focusing on them injects more hyperbole into the situation than anything useful. Of course that won't stop people (especially you, since I've seen you thrive on hyperbolic nonsense here and in the gun debates).
 
For everyone shafted by an insurance company, someone can dig up someone shafted by a government over health care. In a system where private insurers have to compete for customers, you can opt for a different provider and a different plan. In a system where the government is the guarantor of health, you can move to another country. Which do you think is more flexible as options go? 
 
I know, it is once more time for our lecture on the wonders of the oh-so-great Aussie hybrid socialized with private insurance mix. And on you will go with how our institutions can be magically fixed with the wave of your Aussie wand and somehow all those incredibly inefficient government agencies will suddenly become Florence Nightingale instead of Nurse Ratchet. Medicare is a $37 TRILLION unfunded liability and the big O wants to expand the entitlement to everyone. Our government agencies are notoriously unresponsive, inefficient, corrupt, and subject to political influence. I doubt that is much different anywhere, no matter how much people fools themselves.
 
Of course you will also continue with the mud slinging that all us dreaded Libertarians ("boo hiss" to quote FJV) want people dying in the streets, and cheer on the death of the poor.
 
Are you under some kind of inane impression that we haven't heard your broken record enough times by now? 
 
Quote    Reply

buzzard       9/15/2009 10:08:48 AM
Increase regulation on banks and/or coorperations.
- Stop unilateral free trade policies and levee import taxes.
- Use provisions in the trade agreements against dumping of foreign products.
- Increase taxes on the top 1% income group.
- Increase any taxes.
- Fund research and start a trade policy.
- Bail out strategic industries.
- Stop illegal immigration.
 
 Did you ever find that evil libertarian who killed your puppy?
 
On another note, did you ever hear of the Smoot Hawley tarrif act? It's a bit of history that you might want to learn about. It had some rather serious repercussions. 
 
I can certainly see you being in favor of it full bore.
 
Oh, and it's a rare libertarian who is in favor of illegal immigration. You generally find their advocates on the Left, so keep trying. 
 
Pretty much everything you whine about above is one form of transfer payment or another. You whine about taxes twice (don't you think the latter would have covered it?). You whine about imports twice, and one line could have covered that as well if you could write worth a damn. Lastly you whine about people not liking corporate welfare, which historically works about as well as a trade war.
 
 Transfer payments don't make people better off in general. It just makes some people better off at the expense of the majority. Check out the Thatcher videos in the other thread. Any cursory glance at history shows that a economic policy based on wealth transfer merely results in a race for the bottom. You can close an income gap by making everyone poorer, but that's about all you accomplish. Protecting a company does about as much good since you're just rewarding inefficiency. Brilliant policy idea you have there.
 
I've clouted you with facts before and I'll do it again. I demonstrated that your models of the success based on industrial policies are a failure, and yet you keep trying. It's almost sad to be quite honest. It's like you rant about something and when people correct you, you stick your fingers in your ear and holler "neener neener". I've seen better debating skill from 8 year olds. 
 
Quote    Reply

reefdiver       9/15/2009 10:44:43 AM

So if US health policy continues to let people go into personal bankruptcy when they get shafted by their health insurance company as a result of a chronic illness, like you seem to be advocating should be the case, what do you suggest doing with the individual once his or her money for treatment has run out? The only option according to strict libertarian principles would be to let the person fend for themselves, which either means dying or if they are lucky getting continued treatment through charities.

 

You probably wouldn't worry about this because you can use your wife's knowledge of health insurance products to ensure that you have a policy that prevents it happening from you. However, the reality is that health insurance is a complex product and many  people will have difficulty differentiating a good policy from a bad one, that is if they actually get the choice rather than having their employer choose for them. They want the assurance that well-designed regulations around things like pre-existing conditions to protect them from making a mistake that can't be corrected because it would result in them ending up dead. As far as I am concerned that is a quite reasonable expectation for people to have of their government and if they want to elect a government that provides it and you don't like that, then that is just bad luck for you.


You misunderstand in so many ways, as I likely do as well. Understand this however, the system in the US does have problems and virtually everyone recognizes such. My wife and I understand this better than most.  Even we have substantial problems with health insurance. What we, as many others do as well, is stand resolute on keeping the government from taking over health insurance and healthcare. Government bureacracy has never shown itself to be frugal, and the several hundred managers in Congress have proven themselves incompetent. This is what we battle.
 
The system can be fixed, but Congress continually fails in any efforts because each time they simply want to start over. If they want to succeed at real reform they need to incrementally address and fix the problems. They must not mess up the system for everyone to take care of a smaller group. 
 
You just seem so wrong in your thinking in terms of America I don't know where to start with you. Understand this - the idea that everyone's healthcare should be the same - regardless of their achievements in life - is so socialist that it makes me want to scream. "Spread the health" along with "spread the wealth" - thats just not America. Maybe its ok for some countries.  If they called the system "socialized health insurance" instead of the "public option" - it wouldn't even make it off a printer in America before it was killed. 
 
 
 
 
Quote    Reply

Hugo    AG   9/15/2009 11:10:44 AM
 

The only option according to strict libertarian principles would be to let the person fend for themselves, which either means dying or if they are lucky getting continued treatment through charities.

 

You can't genuinely make reference to strict libertarian principles when every other area of society and the economy is not according to the principle of liberty. But let's assume that you'd give a libertarian the job of organizing health care what would the system likely look like? Well it would be a market system. I imagine the market would split healthcare into a variety of products but there might perhaps be two principle products given a small amount of regulation (which I'll get to in a moment). 

 

In the first segment there would be a minor insurance policy covering things like visits to your GP because of the cold or flu or your dentist or optometrist. I am not sure what this would cost and I am not sure I feel confident in making an estimate. Naturally such a policy would be voluntary which would likely raise the price somewhat of those wishing to purchase a policy. There is little doubt the market would offer separate GP, dental and optical policies. Many wouldn't opt for an optical policy if they didn't have an issue with their eyes or didn't think they were likely to develop one. You can make a guess as well as I on what such policies would cost but the probability of dying from such a policy is so very remote it can, I believe, be removed from any calculation. Essentially, those forgoing a policy risk having to pay for anti-bacterial products, lenses, root canal work themselves. 

 

Under a libertarian policy it would also be the case that some doctors would provide volunteer work as they do now and have always done. Some of those uninsured may resort to waiting in (perhaps) long lines to see such a voluntary doctor. 

 

Under a libertarian policy, it would be perfectly reasonable for the insurance companies to discriminate based on lifestyle choices. A person whose unhealthy lifestyle choices, e.g. diet, consumption of drugs or alcohol that caused illness would be expected to pay either more or change those lifestyle choices thus reducing the overall cost of insurance to those showing more personal responsibility. If your doctor tells you to lose weight then you would be expected to do so or risk being paid more. The government here has a role, as libertarians acknowledge, in preventing fraud in such instances.

 

Under a truly libertarian policy, the provision of medical care would become a lot less expensive. Instead of visiting a university educated doctor only for him to tell me that I have a cold, instead I could visit a qualified nurse or other professional. Perhaps there would be different classes of doctors with different levels of education. The overall cost of medicine would be reduced. 

 

Drug markets would be entirely deregulated with (depending on the libertarian drawing up your policy) stronger or weaker (more likely) patent rights. Some libertarians argue that patents are no promoter of innovation and thus should be scrapped. That would only leave generic drugs essentially and the industry would be split between research companies selling their research to manufacturers. This is really another discussion but whatever the policy, drugs are going to get cheaper because the government is no longer going to spend billions employing an army of people to tell consumer what they can and can?t consume for which illnesses. Consumers would rely on independent testing firms just as they currently do for other goods. The only reason that highly reputable firms do not currently exist for drugs is because the government has monopolized that role for itself and charges us billions for their service.

 

The insurance market would be entirely liberalized. Insurance would no longer be coupled to employers and insurers would no longer be restricted to certain markets. The overall cost of insurance is thus significantly reduced as a result of this freedom of operation. National insurers in heavy competition with one another would emerge because the barriers to entry become so minimal.

 

The number of legal cases reduces to only a few instances. Consumers of drugs and medical care are now responsible for their own choices. The only obligation on drugs companies and doctors is to communicate risks to consumers of health care. If a drug manufacturer communicates to a consumer that a particular drug is likely to be beneficial because of the following, it will also communicate the possible side effects.  If it does not communicate known negative side-effects or consequences of medical practise it becomes liable to court action by patients.  Drug makers will be obligated to communicate any new side effects as instances become known. Many people would have their lives saved because drugs wouldn't be sitting in government laboratories being tested by bureaucrats whilst people literally requiring those innovative products would be sitting on their deathbeds waiting for them. Nor would potentially life saving drugs be withheld from sick patients because the government determined as a result of testing on bunny rabbits that one in half a million rabbits treated died.  The serious decline in legal action both raises the level of personal responsibility of individuals and reduces their costs. Currently they do not have that choice.

 

 

Getting to the second segment this is where a libertarian may argue for regulation. Let's say she does and that the second segment of the insurance industry covers expensive, unpredictable medical issues. These would be instances of serious injury resulting from car accidents, cancers (not lifestyle related), other serious illnesses etc. The area for regulation would be, in my view, to forbid insurance companies from discriminating according to genetic disadvantage. I believe personally this to be consistent with libertarian principles because one's genetic heritage is clearly not an issue of individual choice.

 

Now if you think about how many people you know who have such serious illnesses I would hope that it isn't many. If we are going to be conservative and suggest that this number is 5 persons in 1000 each year who get seriously ill and require very expensive medical attention then we can begin to calculate the costs of this serious predicament insurance. If very expensive medical care on average cost 200 thousand dollars per patient, then that would mean that each year a sum of money amounting to 1 million dollars needed to be spent on those five persons per thousand that required it with the other 995 people per thousand luckily avoiding any very expensive attention. That would mean that at a cost of one thousand dollars per person per year, the persons finding themselves in a serious predicament would be covered ( I am negating any administrative costs for simplicity). That amounts to just over 80 dollars per month per person or just under twenty dollars per week. 

 

Now if those calculations are even near the ballpark, then the cost of serious predicament insurance seems fairly affordable. There are very few people in our society who cannot afford such an amount. Indeed I am inclined to believe it to be so few that private charitable institutions would emerge to cover the relatively few who struggled to pay the 20 dollars per week. Let us keep in mind that even currently in the US, medical insurance is tax deductable and that 20 dollar figure is actually even more negligible.   

 
Quote    Reply
Pages: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15   NEXT



StrategyWorld.com© 1998 - 2009StrategyWorld.com. All rights Reserved. StrategyWorld.com, StrategyPage.com, FYEO, For Your Eyes Only and Al Nofi's CIC are all trademarks of StrategyWorld.com Privacy Policy