I have to admit, for years I've been quite the quixotic dreamer, thinking that if
we could only get government out of the way the glorious market would intervene
and cure all ills. Unfortunately,
while I do believe this could have been the case, the reality is that it’s never going to happen. As
long as human beings are able to combine in self-interested mobs to assert
themselves over other human beings, they will. And that really is the definition of government, isn't it?
As originally formed, our government was supposed to be different--it
was specifically designed to limit
the natural inclination of governments to overreach. Unfortunately, by finely parsing the words,
not the intent of the Constitution, the Supreme Court unshackled the mob that
is Congress and the result is what we have now--self-interested factions
continuously banding together band to force their beliefs or economic interests
on others. Think of unions or corporate
special interest groups. That being the
case, what's a dreamer to do? Besides
drink, I mean.
This year's Presidential election clearly illustrates the problem.
On one side you have a sitting President who wants to expand government into
just about every facet of our lives. On the other you have a candidate that
wants to do the same thing--only from a different perspective. We are left to
choose between two sides of the same coin.
Why, after decades, is Roe v. Wade even an issue? Why do Democrats insist that those whose
religious beliefs oppose contraception and abortion must fund them with their
tax dollars? Why does the Republicans' right-wing insist that everyone must follow its religious beliefs? Wasn’t freedom from religious persecution the primary reason the
Pilgrims came here in the first place? Both
parties act like abortion is the most vital issue facing the country when, in
reality, those of us in the middle think it’s just a huge distraction.
With our aging baby boomers, healthcare should be front and center to the debate. And yet the best the Democrats and
Republicans can come up with is shifting the deck chairs on the insurance
Titanic. I'll let you in on something--when everyone is insured it’s not really insurance anymore.
The underlying premise of insurance--risk of something occurring--is
pretty much eliminated when coverage is universal because the larger the pool the easier it is to predict occurrences.
This should mean lower costs to customers, but it just results in higher profits for insurance companies under both parties' current proposals--for
insurors, Obamacare and the Republican alternatives are simply
"heads I win, tails you lose". [Hedge funds seem to agree, having poured billions of dollars into the
stocks of insurers following the Supreme Court’s decision on Obamacare.]
We don't have insurance that covers police, fire or education, the
three rails of public service. If healthcare is truly the fourth rail--and its
healthcare, not insurance that's the issue--then we need to suck it up and
nationalize the whole system. And if that means death panels and delays so be
it. At least everyone would have access
to a basic level of care and if they chose to spend more on better treatment
and less on something else that would be their choice (and if they didn't or
couldn't that would just be too bad, which is how it works in every other
country that already has national healthcare).
As it is, we've become slaves to our insurance companies (and to our
employers who usually pay the bill), who are more than happy to take our
premiums but come up with every excuse to deny or reduce benefits when we
submit a claim. Handing these criminals more of our money in the name of
universal health insurance is a
travesty. And yet that's the best both parties can propose?
If our government is going to be involved in healthcare, and it clearly will be, then the answer to America's healthcare situation is painfully simple--if we want everyone to have access to
healthcare then it needs to be a public good, i.e., healthcare should be
nationalized. The public has been misled by the insurance industry into
believing that government control would lower its level of care. That may be true in some instances, but what we get right now isn't exactly wonderful. Has your insurance company ever disallowed a claim you were previously told would be permitted, sticking you with the bill? Have you ever gone to a doctor who won't even take your insurance? Get hurt in Canada and--even if you're an American--the cost for emergency care will be a fraction of what it is here, in large part because there is no insurance bureaucracy to navigate.
For once, this is a political issue that defies religious boundaries. Is there a religion that wouldn't want
everyone to have access to some basic level of care--at least for its members)? That being the case, maybe
government control is actually warranted in the case of healthcare.
Clearly, there has to be limits, especially with an aging
population. But creating an
incomprehensible (I've got degrees in finance, accounting and law and I have no
clue how Obamacare or the Republican alternatives are supposed to work) system
that has the primary result of putting more money in the pockets of insurance
companies, whose main priority has never been to provide the best healthcare,
strikes me as the wrong way to go. I guess I'm still a dreamer.
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