July 29th, 2009


Reforming the US Health Care System

I don't like the Administration's plans for health care. As far as I'm concerned we've got too much centralized control already, and I'd like to get my employer out of it.

Megan McArdle sums up why I don't want the Feds getting more involved in health insurance:
Once we've got a comprehensive national health care plan, what are the government's incentives? I think they're bad, for the same reason the TSA is bad. I'm afraid that instead of Security Theater, we'll get Health Care Theater, where the government goes to elaborate lengths to convince us that we're getting the best possible health care, without actually providing it.
Ronald Bailey has a good proposal for how to actually improve paying for health care:
What would real reform look like? It would be consumer driven, transparent, and competitive.
Ron does skim past one of the issues that confounds this debate--finding "insurance" to cover known health issues. The problem is that "insurance" isn't the way to deal with that, any more than I could get homeowner's insurance after my house burns down. If I can't afford a new one I need a homeless shelter or housing vouchers. It shows how screwed up this has gotten that "insurance" now means "paying for expected health care expenses." Insurance should be for the unexpected events. Known ones should be out of pocket expenses, and people who can't afford that need to be taken care of by some welfare system. Trying to combine welfare for the poor and sick with an insurance system for the healthy and comfortable is asking for an unmanagement mess of a government program.
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