Hi my name is John Mirra......and I'm not crazy about universal healthcare schemes.

Submitted by John Mirra on Tue, 2007-08-07 02:16.

First things first, I used to post a little bit over at dailykos, but I have been busy lately so I stopped. I was referred here by "ztn." I posted a little introductory post about myself over there:

http://www.dailykos.com/story/2007/5/2/165851/6809

Anyway I came here because I wanted to bounce some ideas off of like minded people before going back to Kos. First of all I'm not as "conservative" as most libertarians when it comes to economic issues. I believe in road building, subsidized public transportation, and even the occasional use of eminent domain (when absolutely necessary). I also am sympathetic to government efforts to alleviate the plight of the truly destitute. We all know there are good honest hardworking people who are stuck in dead end jobs with no pay. And I truly sympathize with them. Of course the working poor aren't exactly being helped by the governments generosity. Many of the regulations make hiring employees much more difficult, and provide an incentive to fire them quickly, also not paying them a lot.

"Benefits," like employer provided health insurance discourage companies from keeping employees around long enough to qualify. Social Security takes 7cents out of every dollar an employer pays in salary. And a lot of the money paid into social security ends up paying for all sorts of things, such as tanks, statues, etc. If I understand correctly SS is an efficient program with almost no overhead, but social security money just goes straight into the governments general funds, and "extra" can get used for whatever they see fit. Bottom line we have a fairly expensive government that doesn't give us much back. We have a social safety net that cost us big bucks and doesn't protect us. So now most of the democratic candidates want universal health care.

I want universal health care too, but what level of care is everyone entitled too? The very best money can buy? There is always a point of diminishing returns, where do we draw the line on what everyone is entitled too? Also if your fellow citizens are footing the bill for your health care, shouldn't they have a say in how you take care of yourself? Whether you smoke, drink, ride a motorcycle, eat fast food, don't exercise, etc. Finally , what measures will this new program have in place to control the costs of treatment?

When I'm not working, one of my hobbies is playing basketball, if I tore my ACL (a ligament in the knee) the common procedure would be too either convert one of my tendons into and ACL or take an ACL from a cadaver. With rehab and proper surgery I would come close to regaining my mobility, and all the faculties I previously had. Now I wouldn't necessarily need a new ACL, it would greatly reduce the quality of my life, and prevent me from participating in most sports, but I don't need the ACL to live. A 92 year old man might need open heart surgery to live (if only for a year or two more), who gets priority? From what I've heard from Canada surgery that improves the quality of your life is low on the list of priorities.

I sometimes drink to excess, order to much food at a restaurant, eat greasy cheese fries just for fun, drive my car to fast, etc. Should my neighbor who never drinks too much, always drives the speed limit, works out everyday, eats all his vegetables, etc. etc. have to subsidize my reckless ways? Not to mention pay for lung cancer treatments for smokers, liver transplants for alcoholics, rehab for people who crash their motorcycles, etc.? Socialized medicine would mean that the government rightfully would have a say in how you lived your life.

Finally health care costs as a portion of the GDP keep going up, and they are already too high. Is there any reason to believe that the government would be better at maintaining quality while keeping prices low then the private sector. The VA has been successful at keeping costs low, as for quality of care.....

For something such as health care the free market offers many more incentives for efficiency then in a government run program. What's more people are free to chose what they want to be insured against, what risks they are willing to pay for, and make the trade offs in their own minds. I am the only one who would know how much ACL surgery would be worth to me, the motorcycle rider is the only one who knows how much not wearing a helmet is worth to him. A government program is likely to limit our freedoms and lower our standard of leaving.

welcome

#4657 On Tue, 2007 08 07 09:59 John said,

ztn here.

Good Posts about Risky Behavior

#4659 On Tue, 2007 08 07 11:01 Tangeng said,

Welcome John!!!

One of the problems of universalized health care is the socialization of risk.

Under the system, everyone shares in the cost of the consequences of risky behaviors of others. More importantly, the one engaging in the risky behavior only sees a fraction of the costs if and when such behavior backfires on him or her. Without other government controls in place, people will engage in more risky activities, since they won't face its full cost. To counter the growth in risk, the government has no choice but to threaten people to not engage in such activities. The denial of healthcare services to smokers by the NHS of Great Britain unless they pledge to quit is one such example of the government actively managing risk.

There are other issues with universal healthcare. Universal healthcare system will have trouble when it deals with preventive care, precautionary care, and lifestyle improvement services. And you hinted at the existence of a moral hazard in your post too.

Universal healthcare will likely forgo coverage of precautionary care and lifestyle improvement services, force some kinds of preventive care on people, and ignore other kinds of preventive care. Such a system will leave a large void in the healthcare industry, and we would still have to have a profit-based system in parallel to the universal health care system - except the for-profit system would siphon the best talent from the universal healthcare system.

There are problems abound with universal healthcare systems, but there are many problems with the current mixed-system of health insurance, as well.

Exactly

#4660 On Tue, 2007 08 07 11:06 FreedomDemocrats said,

"I sometimes drink to excess, order to much food at a restaurant, eat greasy cheese fries just for fun, drive my car to fast, etc. Should my neighbor who never drinks too much, always drives the speed limit, works out everyday, eats all his vegetables, etc. etc. have to subsidize my reckless ways?"

This is my biggest fear. Either 1) the system pays for such reckless ways and shifts the costs onto those who aren't reckless, or 2) the system is "fixed" by banning such reckless ways outright. Either option I am opposed to.

wow

#4662 On Tue, 2007 08 07 13:32 John Mirra said,

I'm amazed we are all in agreement on this one. Are there any democratic candidates who oppose National Healthcare?

wow

#4663 On Tue, 2007 08 07 13:33 John Mirra said,

I'm amazed we're all in agreement, are there any democratic candidates that oppose national healthcare?

Depends

#4664 On Tue, 2007 08 07 13:54 FreedomDemocrats said,

On what you mean by national healthcare. Obama doesn't beieve in mandates like the Romney/Edwards plan, for example.

Mandated Catastrophic Coverage along the lines of Friedman's

#4667 On Wed, 2007 08 08 03:22 ka1igu1a said,

plan, while getting the government and the insurance/health management companies out of the business of routine care, would work and address the concerns you pointed out.

Rationing

#4670 On Wed, 2007 08 08 19:09 nonluddite said,

The question is always how to ration something. Without a perfect information to run healthcare, the best way is to ration it by ability to pay. In this the government can only get out of the way and fix temporary market failures, for example get rid of employer sponsored healthcare and fund high deductable heath plans for low income people.

The American Civil Liberties Union—Protecting the Bill of Rights…except for Amendments 2, 9, and 10!--nonluddite