29 November 2007

haircut boy hates wal-mart and free will

http://blogs.abcnews.com/politicalradar/2007/11/edwards-weighs.html

In case anyone else needs further proof that Edwards is an idiot.

Some thoughts.
One: Obama has a plan that 'doesn't cover everyone'. Who doesn't it cover? Rich people? Middle class working kids? If we must attack it, the idea that it 'doesn't cover everyone' isn't a selling point by itself that makes me nervous. In fact it's likelier to make me agreeable with it, depending on who 'isn't covered'.

Hillary has a mandate. What a shock, given the details of hillarycare v1.0. But it can't be enforced. Also, not much of a surprise. Anyone care to guess what the non-compliance rate with car insurance is even when it's mandated by law. Any idea how to enforce it? I'll give a hint. There isn't a way to do it in the American governance system. We could do it, but it would be a bit fascist and people who actually comply with the law and have insurance would get annoyed at having to demonstrate this fact all the time.

Which means Edwards idea is rather silly on its face. We would be required to purchase health care insurance. Oh, okay. So maybe that's fine, but then how do some people pay for it. You know, poor people. And second, we are required to purchase it.. .but from where.. ? The government? Anyone checked a line at the DMV lately? How about looked at how Medicare or SS are doing fiscally over the next decade? What about public schools? No? Again a hint, the government is not very good at running things. In fact it's actually quite bad at it. Are we to expect that a government which cannot educate children at anything approaching world standards, can't provide a reliable pension from money we and our employers gave them to provide us in retirement (how that got messed up is a long story, suffices to say, they stole it), and can't even competently take our photos and issue us a tag for our cars in a reasonable amount of time is going to run an effective health care service? I don't think so.

It's the last line of the article that really gets under my skin. "You don't have that choice". Really? We're that unevolved that we don't get options anymore. Great idea.

The proposal at the bottom which appeared to be from a user was somewhat more palettable. Though I'm still holding out for someone who wants to gut the current free market insurance companies in general rather than replace them with a government payment system. I don't see how we should need a middleman to pay for our health care. The only advantage of insurance is that group rates allow for a discount in the event of actual needs for care. Largely this is because most people do not need care, or at least not in the large amounts that insurance is providing for. We should not be concerned about the visit to the doctor in a yearly or semi-annual checkup as a major spending decision. What is a good idea is something like a hospital price list. To give people an idea of the rates and charges so they can decide what they (and their insurance co) can afford. Two other issues. One, people should be able to purchase from any state or even another country for cheaper, more competitive rates on insurance (in general the reason the cost is so high is supply is constricted and demand is ridiculous, but if the supply is loosened up, this will help). And two, insurance should be flexible and simple enough to administer (ie, fewer and simpler forms for both patients and doctor's offices) so that HMOs go away. I don't see how in a digital era that forms can't be standardized and simplified by some regulatory body, even one within the insurance industry itself.

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