The Democrats' all-new "opt out" idea for
health-care reform is the latest fig leaf for a total government
takeover of the
health-care
system.
Democrats tell us they've been trying to nationalize health care for
65 years, but the first anyone heard of the "opt out" provision was
about a week ago. They keep changing the language so people can't figure
out what's going on.
The most important fact about the "opt out" scheme allegedly allowing
states to decline government health insurance is that a state can't "opt
out" of paying for it. All 50 states will pay for it. A state
legislature can only opt out of allowing its own citizens to receive the
benefits of a federal program they're paying for.
It's like a movie theater offering a "money back guarantee" and then
explaining, you don't get your money back, but you don't have to stay
and watch the movie if you don't like it. That's not what most people
are thinking when they hear the words "opt out." The term more likely to
come to mind is "scam."
While congressional Democrats act indignant that Republicans would
intransigently oppose a national health care plan that now magnanimously
allows states to "opt out," other liberals are being cockily honest
about the "opt out" scheme.
On the Huffington Post, the first sentence of the article on the
opt-out plan is: "The public option lives."
Andrew Sullivan gloats on his blog, "Imagine Republicans in state
legislatures having to argue and posture against an affordable health
insurance plan for the folks,
as O'Reilly calls them, while evil liberals provide it elsewhere."
But the only reason government health insurance will be more
"affordable" than private health insurance is that taxpayers will be
footing the bill. That's something that can't be opted out of under the
"opt out" plan.
Which brings us right back to the question of whether the government
or the free market provides better services at better prices. There are
roughly 1 million examples of the free market doing a better job and the
government doing a worse job. In fact, there is only one essential
service the government does better: Keeping Dennis Kucinich off the
streets.
So, naturally, liberals aren't sure. In Democratic circles, the
jury's still out on free-market economics. It's not settled
science like global warming
or Darwinian evolution. But in the meantime, they'd like to spend
trillions of dollars to remake our entire health-care system on a
European socialist model.
Sometimes the evidence for the superiority of the free market is
hidden in liberals' own obtuse reporting.
In the past few years, the New York Times has indignantly reported
that doctors' appointments for Botox can be obtained much faster than
appointments to check on possibly cancerous moles. The paper's entire
editorial staff was enraged by this preferential treatment for Botox
patients, with the exception of a strangely silent Maureen Dowd.
As the Times reported: "In some
dermatologists' offices,
freer-spending cosmetic patients are given appointments more quickly
than medical patients for whom health insurance pays fixed reimbursement
fees."
As the kids say: Duh.
This is the problem with all third-party payor systems – which is
already the main problem with health care in America and will become
inescapable under universal health care.
Not only do the free-market segments of medicine produce faster
appointments and shorter waiting lines, but they also produce more
innovation and price drops.
Blindly pursuing profits, other
companies are working
overtime to produce cheaper, better alternatives to Botox. The war on
wrinkles is proceeding faster than the war on cancer, declared by
President Nixon in 1971.
In 1960, 50 percent of all health-care spending was paid out of
pocket directly by the consumer. By 1999, only 15 percent of health-care
spending was paid for by the consumer. The government's share had gone
from 24 percent to 46 percent. At the same time, IRS regulations made it
a nightmare to obtain private health insurance.
The reason you can't buy health insurance as easily and cheaply as
you can buy car insurance – or a million other products and services
available on the free market – is that during World War II, FDR imposed
wage and price controls. Employers couldn't bid for
employees with higher wages,
so they bid for them by adding health insurance to the overall
compensation package.
Although employees were paying for their
own
health insurance in lower
wages and salaries, their health
insurance
premiums never passed through
their bank
accounts, so it seemed like
employer-provided health insurance was free.
Employers were writing off their employee insurance plans as a
business expense, but when the IRS caught on to what employers were
doing, they tried to tax employer-provided health insurance as wages.
But, by then, workers liked their "free" health insurance, voters
rebelled, and the IRS backed down.
So now, employer-provided health insurance is subsidized not only by
the employees themselves through lower wages and salaries, but also by
all taxpayers who have to make up the difference for this massive tax
deduction.
How many people are stuck in jobs they hate and aren't good at,
rather than going out and doing something useful, because they need the
health insurance from their employers? I'm not just talking about MSNBC
anchors – I mean throughout the entire economy.
Almost everything wrong with our health care system comes from
government interference with the free market. If the health care system
is broken, then fix it. Don't try to invent a new one premised on all
the bad ideas that are causing problems in the first place.