Posted by: bridget | 5 October 2007

Part I: SCHIP Expansion, HillaryCare, and Other Attempts to Undermine the Free Market

Long overdue blogging on Hillary’s proposed health insurance scheme, the SCHIP proposals, and health care in America.

SCHIP and various forms of government-funded health care are aimed at providing health insurance for those who do not get such coverage through their employers and cannot afford private insurance.  The cost of private insurance varies widely by state and by age; some states have low-cost, basic plans for people who cannot afford expensive care.  A representative sampling is here

In Manhattan, an individual cannot purchase health insurance for less than $10,000/year.  Clearly, that is a problem with NY laws, which do not permit managed care organisations to charge lower premiums to healthy 25-year-olds than to the elderly or the chronically ill.  A 30-year-old, nonsmoking, female resident of SoCal, however, can get basic coverage for approximately $600/year. 

According to the Census, more than 8 million people in the US who are uninsured can “afford it,” as they earn more than $75,000/year.  This may be true for some areas; however, a family who lives in New York and self-insures would have to pay $29,250/year – which is approximately 1/3d of pre-tax income.  That is not necessarily affordable nor practical.

It is against this backdrop that we ought to analyse proposals to change our health care system (most call for increasing government regulation); query whether there is a health care crisis in America, or just certain states. 

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Responses

  1. Honestly, there may not be any other sector that confuses me half as much as health care.

    I learned a little about this over the summer (and was even more confused in the end, haha). Since you seem to have a pretty good understanding of / interest in what’s going on, you might want to check out
    the National Right to Life Committee’s latest push for health care reform
    .

    Their take is that you cannot deny the need for change within the health care system. However, all the proposals right now are coming from people like Hillary. Those proposals inevitably include medical rationing and lead to involuntary euthanasia, picking and choosing who lives for a variety of reasons – including perceived quality of life from age or disability.

    NRLC’s alternative proposal is spelled out pretty well at that page. I still don’t fully understand it and I really don’t think I agree with every part of it. I would be interested in what you think though!

  2. By the way, for some reason, I was logged into my old wordpress account there, so the link, etc. is wrong. Sorry for the useless double comment. :)

  3. Your post inspired mine, where I added some additional thoughts. Great job.

  4. Tieki,

    I’ll take a look at that. I’ve said before that gov’t-run health care means that the gov’t has a financial incentive for abortion (cheaper than labour and delivery) and euthanasia. Frankly, I don’t think that the feds should have a financial incentive to encourage women to abort.

    Chance,

    Excellent job at your site. I’m going to expand into Parts II and III – part II being about SCHIP. Stay tuned. :)

  5. Whenever socialized medicine takes a hit, I’m a happy camper.

    :)

  6. Hey Bridget and Tieki — Jeffrey has a great post on Government Healthcare.

  7. Whenever socialized medicine takes a hit, I’m a happy camper.

    …and an angel gets its wings.

  8. […] As previously blogged, New York has extraordinarily expensive health insurance.  Our federalist system allows states to design their own regulations; presumably, they can be tailored to local conditions.  States are also “laboratories of experimentation:” that which works in one state may be emulated by others, and that which does not work can be confined to the dust bin of history (or one nutty state).  […]


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