I think preconditions beyond our control should be accepted. However, I do think insurance companies could reward people that do not smoke or are not overweight better rates. Those are essentially lifestyle choices. I realize I am entering troubled waters here, and perhaps I would need to get into that deeper to see all the ramifications of making it practical, but I do think we need to retain as much personal choice and competition in the market as possible, and lower rates for healthier choices of lifestyle seems reasonable at first glance. It would serve also as a huge motivator to better health and lifestyle among people throughout the country, and would improve our health as a country. I think the lifestyle choice issue would have to be limited to only the very obvious and provable however, the only two I mention now as obvious is smoking and obesity.
Foxfyre wrote:
I am 100% opposed to the government requiring somebody to buy insurance for solely their own benefit. I have no problem requiring insurance to do certain things: i.e. liability insurance if you are going to drive on public roads; work comp insurance if you hire employees etc. But what Constitutional authority is there to require somebody to insure their property or their persons when they put nobody at risk but themselves?
There is one problem with what you say there, Foxfyre. I almost always agree with your opinions, but I would like to point out that hospitals or emergency rooms are obligated by law to treat anyone that comes through the door I think. So in effect if you use your driving analogy, in regard to health care, everyone is driving on the public road, so everyone needs to show or demonstrate that they either A: have insurance, or B: have the personal ability to pay for their health care in the event of an accident or health event, this being the case regardless of their good or bad health, it makes no difference. We all know that if someone thinks they are healthy and does not need insurance, but has no money, if they get sick, they will expect treatment and the rest of us to essentially pay for it. We also know that many hospitals do not collect very high percentages of what they bill out, thus the price of services is elevated significantly above what they would otherwise be if everyone paid for the services received. Sort of like stores raising prices to cover shoplifting losses.
If hospitals or emergencey rooms could turn away anyone that came there with an illness or accident or something, then I would say you would be correct, however we are not that kind of society.
So I think I favor some kind of mandatory insurance system, whether it is self insured or insured through a third party. I also think that only catastrophic health insurance should be required for most of us, because if we all paid for smaller office visit costs, which I do, I think medical costs would drop dramatically because of more self discipline and accountability. That would eliminate much going to the doctor for a runny nose, which only serves to clog waiting rooms with minor stuff, while bigger problems are overlooked.
There is one thought I have in regard to this issue though. I am not sure you are not correct about not making insurance mandatory, because it could well be the case that the cost of a bureaucracy to oversee mandatory insurance would cost the rest of us more than what we are currently paying for increased medical costs due to non-payers. That being in regard to hospital and emergency room treatment.
And why should other tax payers be required to provide services to somebody who chooses not to buy health insurance?
So why should it not be the right of the individual to not have health insurance if the person doesn't want it?
And why should other tax payers be required to provide services to somebody who chooses not to buy health insurance?
These are all issues that the government can address with legislation without requiring anybody to do anything. All they have to do is to make it possible for the private sector to provide affordable insurance/health care
and then we focus on the more efficient, effective, and affordable way to take care of the truly helpless. Perhaps the government could underwrite emergency services which would take pressure off those services but give both the hospitals and the government the clout to require payrment and go after those who could have insurance but prefer to have a new car or big screen plasma TV instead or who could pay something but choose not to because they don't have to.
The government doesn't buy anybody's line that they are too financially strapped to pay their taxes. Why should the government buy anybody's line that they are too financially strapped to pay at least something for the health care they need?
Government is rarely the best arbiter or provider of basic services of any kind if such services can be provided by the private sector.
There is no Constitutional mandate for health care or anything else that benefits the individual rather than the whole.
There is a role for government in maintaining an orderly society and in necessary or mutually beneficial things that cannot be achieved more efficiently and effectively in the private sector.
Foxfyre wrote:So why should it not be the right of the individual to not have health insurance if the person doesn't want it?
This makes sense as long as the individual doesn't get sick or is involved in an accident and can't pay for it out of his own pocket.
At this point, you're only left with two options:
- refuse to help him
- have others pay for his treatment.
Foxfyre wrote:And why should other tax payers be required to provide services to somebody who chooses not to buy health insurance?
That's exactly the point.
Under the current system, tax payers are forced to pay for those who choose not to pay for health insurance.
In a mandatory system, everyone would have to pay for their own health insurance.
Foxfyre wrote:These are all issues that the government can address with legislation without requiring anybody to do anything. All they have to do is to make it possible for the private sector to provide affordable insurance/health care
I don't see how this would solve the problem. Somebody could make enough money but spend it all on, say, trips to Las Vegas.
If he were to get involved into a traffic accident, he wouldn't be able to pay the hospital, and there would be no insurance to cover it.
You would, again, be left with the option of either forcing tax payers to pay for his treatment, or refuse treatment.
Foxfyre wrote:and then we focus on the more efficient, effective, and affordable way to take care of the truly helpless. Perhaps the government could underwrite emergency services which would take pressure off those services but give both the hospitals and the government the clout to require payrment and go after those who could have insurance but prefer to have a new car or big screen plasma TV instead or who could pay something but choose not to because they don't have to.
Interesting concept. However, this would seem to be a rather intrusive scheme, and one that hands over more aspects of the health care system to the government than simply making health insurance mandatory.
okie's mandatory plan would simply achieve universal health care by regulating certain aspects of an otherwise privately run sector.
Your plan would socialize large parts of the system.
Foxfyre wrote:The government doesn't buy anybody's line that they are too financially strapped to pay their taxes. Why should the government buy anybody's line that they are too financially strapped to pay at least something for the health care they need?
Exactly. This is perfectly in line with the reasoning for mandatory health insurance.
Foxfyre wrote:Government is rarely the best arbiter or provider of basic services of any kind if such services can be provided by the private sector.
There you go. Going by those statements, it seems you are in fact for a scheme that would privatize even more aspects of the health care system, and then simply make health insurance mandatory for everyone
We allow abortion because the majority feels that no woman should be forced to bear an unwanted child.
My plan would include...
There is no Constitutional provision for the property to be confiscated from Citizen A who earned it and give it to Citizen B who didn't for any reason including health care.
Or let him pay if off in installments - or look to private charities to help - or conduct fund raisers to help him out--
all common practices before the government got involved in this country and all possible before government meddling sent medical costs spiraling out of reach of most.
To liberals, not having the government do it is 'uncompassionate'.
To conservatives, true compassion is to enable people to provide for themselves rather than enslave some for the benefit of others.
In a truly free system a person has the right to decide for himself what is necessary and what is not. I am all for those who can pay for their own insurance to pay for it. I am opposed to the government telling me that I MUST purchase insurance that benefits nobody but me and further dictating to me how much and what kind of insurance I must purchase.
It should not be the role of government to require people to be responsible, nor should it be the role of government to relieve anyone of the consequences of irresponsibility. Such only enables and encourages more irresponsibility. And as I already posted above, the only option is not for the government to provide assistance.
Not at all. It would not be that much different that government guaranteed student loans or government guaranteed FHA loans that help people who otherwise couldn't afford it to buy a home.
My plan would include no mandates of any kind.
Nope, because if you have no income or sufficiently little income, you owe no taxes and you can choose that. Mandatory taxes should be collected for mutually agreeable and mutually beneficial infrastructure such as roads, sewer, police and fire protection, etc. and for Constitutionally mandated government functions. In my view taxes collected for any other purposes are not a legitimate function of government. There is no Constitutional provision for the property to be confiscated from Citizen A who earned it and give it to Citizen B who didn't for any reason including health care.
If it is inappropriate for the government to dictate to me what I must eat in order to be healthy and/or how much I must exercise or what risky behavior I may not participate in that could be anything from mountain climbing to water skiing or roller blading, then it is not appropriate for the goverment to tell me what kind of insurance and how much of it I must purchase.
Wrong again. As I previously posted, there are several things government can do to help make health care affordable for everybody. But I am opposed to government making it either mandatory or a one-size-fits-all deal.
We allow abortion because the majority feels that no woman should be forced to bear an unwanted child. The large majority of us believe it should be the right of the individual to refuse treatment and be allowed to die if that is what he or she wants. So why should it not be the right of the individual to not have health insurance if the person doesn't want it? And why should other tax payers be required to provide services to somebody who chooses not to buy health insurance?
These are all issues that the government can address with legislation without requiring anybody to do anything. All they have to do is to make it possible for the private sector to provide affordable insurance/health care and then we focus on the more efficient, effective, and affordable way to take care of the truly helpless. Perhaps the government could underwrite emergency services which would take pressure off those services but give both the hospitals and the government the clout to require payrment and go after those who could have insurance but prefer to have a new car or big screen plasma TV instead or who could pay something but choose not to because they don't have to.
The government doesn't buy anybody's line that they are too financially strapped to pay their taxes. Why should the government buy anybody's line that they are too financially strapped to pay at least something for the health care they need?
That is the way it once was and we had an excellent health care system that was affordable for just about everybody. The very day that the government got involved with its one-size-fits-all health care programs and entitlements however, the costs began to escalate out of reach for all but the most affluent. Government is rarely the best arbiter or provider of basic services of any kind if such services can be provided by the private sector.
Foxfyre wrote:Or let him pay if off in installments - or look to private charities to help - or conduct fund raisers to help him out--
Well, paying off in instalments is paying out of his own pocket, and have charities or fundraisers pay for the cost is the same as having others pay for him.
The exact same argument can therefore be made for liability insurance. Yet you seem to support mandatory insurance for people driving on public roads.
Foxfyre wrote:all common practices before the government got involved in this country and all possible before government meddling sent medical costs spiraling out of reach of most.
By all means, if you have conclusive evidence that it is government involvement that is responsible for spiralling health care costs, present it.
The comparison with other countries - with quite a range of universal health care systems, from almost exclusively private systems where health insurance is merely mandatory to completely state run single payer systems - doesn't seem to suggest that it is government involvement that is responsible for the high costs in the United States.
Even assuming this was the case: you have made no suggestion that would have the government less involved than it is now.
Foxfyre wrote:To liberals, not having the government do it is 'uncompassionate'.
If you can't make a coherent argument, resort to ideology.
See: I doubt that okie is a "liberal" who wants "the government do it". He has outlined the situation in a very good way, and was at no time calling for a single payer, government run health care system. Yet those suggestions stand a rather good chance to transform the current system into a system with universal health insurance.
Your problem is that you confuse universal health care with a single payer health care system.
Foxfyre wrote:To conservatives, true compassion is to enable people to provide for themselves rather than enslave some for the benefit of others.
Well, sure. If it's not all just ideology and empty retoric to you, then, by all means, make a suggestion of how you would have all those who now end up in the emergency room without health insurance taken care for - without using tax payers money, solely relying on "true compassion". Go ahead.
Foxfyre wrote:In a truly free system a person has the right to decide for himself what is necessary and what is not. I am all for those who can pay for their own insurance to pay for it. I am opposed to the government telling me that I MUST purchase insurance that benefits nobody but me and further dictating to me how much and what kind of insurance I must purchase.
See above (mandatory liability insurance). The discrepancy is that you promote the government "dictating to me how much and what kind of insurance I must purchase" in the one case, and fiercely oppose it in the other.
Okay, if you explain why. I haven't seen that so far. Only lots of ideological talk about "freedom", "liberals" and "compassion".
Foxfyre wrote:It should not be the role of government to require people to be responsible, nor should it be the role of government to relieve anyone of the consequences of irresponsibility. Such only enables and encourages more irresponsibility. And as I already posted above, the only option is not for the government to provide assistance.
So you are against providing emergency health care if people have no insurance and cannot pay for it, right?
Not at all. It would not be that much different that government guaranteed student loans or government guaranteed FHA loans that help people who otherwise couldn't afford it to buy a home.
My plan would include no mandates of any kind.
Nope, because if you have no income or sufficiently little income, you owe no taxes and you can choose that. Mandatory taxes should be collected for mutually agreeable and mutually beneficial infrastructure such as roads, sewer, police and fire protection, etc. and for Constitutionally mandated government functions. In my view taxes collected for any other purposes are not a legitimate function of government. There is no Constitutional provision for the property to be confiscated from Citizen A who earned it and give it to Citizen B who didn't for any reason including health care.
If it is inappropriate for the government to dictate to me what I must eat in order to be healthy and/or how much I must exercise or what risky behavior I may not participate in that could be anything from mountain climbing to water skiing or roller blading, then it is not appropriate for the goverment to tell me what kind of insurance and how much of it I must purchase.
Wrong again. As I previously posted, there are several things government can do to help make health care affordable for everybody. But I am opposed to government making it either mandatory or a one-size-fits-all deal.
Hannity is just now pointing out, if Obama is so attractive of a candidate, how come some politicians are running away from the vp slot?
So when Obama bombs out when he is elected, if he is elected which I doubt, but if so and when he bombs out, it will still be Bush's fault? Are you already starting to form your alibis for the expected result?