On Healthcare in '08

So far in this election, John McCain has not been particularly good at deflecting the Obama campaign's attacks and, in some cases, outright lies about his proposed policies, to the detriment of McCain's campaign. Perhaps the single best example of this phenomenon is the issue of healthcare; on which Obama, who has what amounts to Socialized Medicine as his plan, has somehow managed to gain the upper ground. So, in the interest of clearing the air, lets take a new look at these 2 Candidates Healthcare proposals.

First up is Senator McCain, whose healthcare plan, despite what Senator Obama may say, is actually an excellent plan that will help to reduce the cost of healthcare both to you and the government that your tax dollars finance. However, given that I am somewhat lazy, and also rather busy these days, I will, in the interest of time, direct you to an excellent article which effectively analyzes McCain's plan: here's the link. Also, if you want to do some more reading, you should certainly check out the McCain/Palin (emphasis on the Palin) website, where they dig in and disprove all of the various smears that the Obama camp has directed towards their plan (link here).

However, lazy and time-pressed though I may be, I do want to go through a few crucial aspects of the Obama healthcare plan myself; if only because, for some strange reason, I sadly neglected to mock the Obamarama plan for healthcare catastrophe during the Democratic primaries, paying attention only to the Hillary and Edwards versions. So let's get to it.

In the very first bullet point of his helathcare plan (straight from the campagin website), Obama states his intention to mandate that insurance companies give "all Americans, regardless of their health status or history [] comprehensive benefits at fair and stable premiums." Lovely. Who doesn't want to help out sick people, right? Unfortunately, what this idea reveals is that, apparently, Obama does't understand what, exactly, health insurance, well, is.

Allow me to explain: Health Insurance consists of an insurance company, essentially, making a bet with you that you won't get sick. Thus, the more likely you are to get sick, the higher your health insurance will likely be. This is not because the insurance companies are mean, evil bastards, but rather because the likelihood of a sickly person getting sick (and thus the insurance company losing the bet and having to shell out dough for hospital bills) is fairly high. Consequently, mandating, as Obama wishes to do, that insurance companies must make what will, essentially, amount to sure-loss bets, will only drive up the cost of everyone else's health insurance, since the insurers will be looking for ways to cover the losses they are almost certain to incur on these high-risk patients.

The second scary part of the Obama healthcare plan comes from his desire to "[require] large employers that do not offer coverage or make a meaningful contribution to the cost of quality health coverage for their employees to contribute a percentage of payroll toward the costs of their employees health care." In other words, more government mandates on private companies. This time, however, he wants to force companies to offer their employees a type of benefit.

Think about that for a second; he's going to force people to give their employees benefits. Never mind that benefits are not a necessary part of any job, but rather one of many things that employers can offer, if they so choose, to entice people to work for them. In other words, as I've said time and again here, if an employee wants benefits, like healthcare, he should become employed by a company that offers them - not have the government step in an mandate such a thing. Moreover, this aspect of the Obama plan assumes that the choice of the employees themselves on the matter of their own health insurance is irrelevant. After all, what if the employee doesn't want to get his health insurance through his employer, since he or she changes jobs often, and would rather have a larger paycheck with which to purchase a private insurance policy? Or, better yet, what if an employee of one of these large companies doesn't want health insurance at all? I suppose the answer to such queries, in terms of the Obama plan, is something akin to that of the aforementioned John Edwards healthcare plan: "you don't get that choice."

In any case, the final major area of concern in the health care plan of our Lord, The Messiah, Barack Obama the Holy One, is the area where his roots and true colors as a believer in socialized medicine shine through. It is the creation of what he dubs "a National Health Insurance Exchange." In this proposal, after making all the appropriate political nods to private insurance, the Obama plan includes the creation of "a new public plan based on benefits available to members of Congress that will allow individuals and small businesses to buy affordable health coverage." In other words, while he's driving up the cost of private insurance and employment-based coverage with all these government mandates, he's going to be offering you a really, really cheap program that the government will pay for.

Perhaps, you see where this is going, huh?

Basically, since the government can keep its health insurance prices artificially low (thanks to the Treasury backing they will receive), people are going to naturally drift towards the government-run healthcare since it's going to be the cheapest option around. It is, admittedly, a rather well-laid trap; but still, it is one which ultimately will lead to more and more people relying on the government dole for their health insurance - but hey, no worries, Obama's going to roll back the Bush tax cuts and refuse to cut any of your other taxes, so there should hopefully be enough money for it, right? So hey, when Medicare, Medicaid, and Social Security all go broke, at least you'll still have your French-style healthcare around!

What it all adds up to is this: the Obama healthcare plan is nothing more than a massive government interference in the private market, and one which will cost our flat-out-broke government to incur large and increasing additional costs every year. Furthermore, it is also one which will hand the government an increasing degree of control over your healthcare.

I know Obama is too slick to ever use the term himself, but that sounds an awful lot like Socialized Medicine to me.

Of course, on the other hand, you have John McCain's healthcare plan; which will place an emphasis on giving you, as an individual (independent, even, of your employer), a greater degree of choice, not cost the government increasingly large sums of money, and potentially help to reduce the long-term costs of both Medicare and Medicaid. The choice shouldn't be that hard.

So vote for 'Medical Capitalism.' Vote McCain/Palin.