Health Care Solutions

"There is no worse tyranny than to force a man to pay for what he does not want merely because you think it would be good for him."
- Robert Heinlein
Solutions time again.

I've done a bit of blogging on the subject of US Health Care problems recently, and I could go on. One of the CATO daily podcasts last week (State Health Insurance Mandates Raise Prices) highlighted problems with health care created by government intervention in insurance markets. Just another in a long list of government interferences in the marketplace that negatively impact the system; which they then tell you they can fix by interfering in the system to a greater extent. Another podcast, McCain and Obama on Health Care, points out that at least the discussion on health care will be about the right subject, cost, if the presidential race is between McCain and Obama.

[Hillary's insistence on 100% insurance coverage is the wrong answer to an unasked question. Forcing people who don't want insurance to pay for it is not a solution that any self respecting American should embrace. Massachusetts went that way already, and it is failing. Do we want to copy that failed practice at the federal level? Americans want to not have to worry about being bankrupted by an unexpected long term illness. That's a cost issue, plan and simple]

There have been solutions that I've found compelling in the past. One of them, from Downsize DC, I've blogged on before.

Here's another solution:

Congressman Ron Paul has introduced a bill that would solve these problems, immediately. His "Comprehensive Health Care Reform Act" (H.R. 3343) would . . .

  • Give you a 100% refund from your taxes of every dollar you spend on medical care, including insurance premiums.
  • Make it easier for your employer to deposit the money it now gives to the health insurance companies into a Health Saving Account that would belong to you
  • This money would come to you tax free -- you could use it to fund your health care and your insurance premiums
  • This means your health insurance would belong to you, not your employer
    You would have the money to pay small medical expenses with your Health Savings Account, which would allow you to reduce your insurance premiums by buying a Major Medical Plan, instead of a Cadillac Plan
  • You would also earn interest on the money in your Health Savings Account, tax free -- you would get this interest instead of the insurance companies getting it (collecting interest on premiums is how the insurance companies make their money -- these profits could be yours instead)
  • Plus, you would become your doctor's customer, instead of the government or your insurance company being your doctor's customer
  • This would place the consumer in charge, creating competition that would lower prices and improve quality
Of course, neither the insurance companies nor the health care lobbyists want these changes, so you will have to fight for them.
read more | digg story

It's ludicrous to think that the people who brought you 53.3 trillion dollars in unfunded Medicare and Social security debt can fix the health care problem by getting more involved in health care (especially when they are responsible for funding nearly half of our current health care expenditures) the most logical solution is to give the individual back the control of his health care, and let self-interest drive down the costs.

The action item can be found here; and dugg here.

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