Questions about Universal Health Care

Questions about Universal Health Care ... that the Democrats will not answer!

Health Questions for the Candidates

Excerpts:

1. A question about young adults. They think of themselves as invincible and are not apt to buy insurance. Your "mandate" would force them to do so, and more than that, to pay the same premium as middle aged people whose health care needs generally are much greater. You defend the one-price rule as "shared responsibility," but isn't it an unjust, hidden tax on the younger generation? Today in Austin, Texas a 25-year-old man can buy a $1,000 deductible policy for $70, according to e-healthinsurance.com. A 55-year-old man pays $270 for the same policy. In nearly all states, young adults currently get price breaks, and for good reason. They need, on average, about $1,500 a year in health care. Your health plan bars insurers from giving these price breaks to the young.
   
2. Texas lawmakers have made insurance less affordable by requiring that every plan include in vitro fertilization, acupuncture, marriage counseling and some 50 other features. This is like passing a law saying that the only car you're permitted to buy is a fully loaded luxury sedan. Would you allow Texans (and all of us who live in states with similarly costly insurance requirements) to shop for cheaper insurance outside our own state?
   

Hillary's heath care plan

Clinton health plan may mean tapping pay

Excerpt:

The New York senator has criticized presidential rival Barack Obama for pushing a health plan that would not require universal coverage. Clinton has not always specified the enforcement measures she would embrace, but when pressed on ABC's "This Week," she said: "I think there are a number of mechanisms" that are possible, including "going after people's wages, automatic enrollment."


Comment: It get down to this: Should government make someone buy a product or service one does not want to procure?

Mitt Romney's Massachusetts's [failed] experiment

Romney's Convictions

Excerpt:

Governor Romney experimented with his consultant-centric approach in the Massachusetts laboratory, and the result was the "universal" health-care program the state adopted in 2006. As he tells it, the experts crunched the data. As he doesn't tell it, his initiative became a petri dish for the latest liberal health-care theories.

Insurance in Massachusetts is among the most expensive in the nation because of multiple mandates, such as premium price controls and rules dictating that coverage be offered to all comers regardless of health. Mr. Romney's cardinal flaw was that he did not attempt to deregulate and allow the insurance market to function as it should.

Instead, Mr. Romney saw the status quo and raised. At first he suggested mandatory health escrow accounts for people who decline to insure themselves. Once the consultants and the liberal state legislature were through with it, Mr. Romney's initiative became the "individual mandate," a first-in-the-nation requirement that residents acquire insurance or pay penalties.

The mandate in combination with other regulations effectively socialized the Massachusetts insurance market, and then Democrats on Beacon Hill added more subsidies and business penalties. Mr. Romney claimed victory anyway, heralding the new plan as "free market" as he plotted his GOP Presidential run. Inconveniently, however, both Hillary Clinton and John Edwards made Massachusetts the model for their 2008 health-care proposals.


Comment: Government mandates are not the solution to the health care insurance crisis.

TonySopranoCare

Saying No to CoerciveCare

Excerpt:

On Monday, California Gov. Arnold Schwarzenegger's "universal" health-care plan was shot down by a committee in the state's Senate, 7-1. The most vociferous opponents were not fiscal conservatives, but labor unions that launched a last-minute revolt against its most crucial feature: an individual mandate that would have forced everyone to buy coverage.

This defeat has national political implications. Hillary Clinton, for example, has denounced Barack Obama for refusing to include an individual mandate in his health-care plan. Yet many California unions argued that a mandate would force uninsured, middle-income working families to divert money from more pressing needs toward coverage whose price and quality they cannot control.

The unions are correct: This is exactly what is happening in Massachusetts, where Mitt Romney enacted a similar plan two years ago as governor. (And Mr. Romney's plan is the inspiration for both the Schwarzenegger and Clinton plans.) The experience in the Bay State deserves a lot more scrutiny than it has been getting.

Massachusetts uses a sliding income scale to subsidize coverage for everyone up to 300% of the poverty level -- or a family of four making around $60,000. Everyone over that limit is required to pay for their own coverage if their employers don't provide it. All this has inflated demand, which, combined with onerous regulations on insurance suppliers, has triggered premium increases of 12% for this year -- double last year's national average.

No one is escaping the financial sting. The state health-care bill for fiscal 2008-2009 is expected to touch $400 million -- 85% more than originally projected. Still the state won't be able to fully shield those it subsidizes from the premium increases. But uninsured folks who don't qualify for government help really get pounded. Before the hike, the cheapest plan for uninsured couples in their 50s cost $8,200 annually. Now, unless government bureaucrats hand them an exemption, they might well find it cheaper to pay the penalty -- up to half the price of a standard policy -- than purchase insurance. That is, pay to remain uninsured. This is legalized extortion: TonySopranoCare.

The government response to rising premiums is, unsurprisingly, price controls. The Commonwealth Health Insurance Connector Authority -- the bureaucracy created to oversee RomneyCare -- is considering prohibiting underwriters from raising premiums more than 5% for unsubsidized plans, meanwhile requiring them to cover 40-odd benefits from hair prostheses to chiropractic services. If companies can't scale back coverage, they'll have to compromise care; and the Connector is perfectly willing to assist.


Comment: Universal Health care sounds great until you shine the light of the free market on it. Good quote: "Now, unless government bureaucrats hand them an exemption, they might well find it cheaper to pay the penalty -- up to half the price of a standard policy -- than purchase insurance. That is, pay to remain uninsured. This is legalized extortion".