Texas Rainmaker
Mandating Choice
September 17th, 2007 11:18 am

Following on John Edwards’ unveiling of his socialized medicine platform, here comes Hillarycare, the sequel.

Thirteen years after her first effort at improving the nation’s health care was abandoned, Hillary Rodham Clinton offered a new approach that would require every American to have health insurance with federal assistance to help defray the cost.

Nothing like mandated “choice”.

“Insurance” is simply a contract one enters whereby the insurer guarantees to indemnify the insured against loss. We have the right to choose when and how we enter into contracts, but Democrats want to take that choice away… despite what they call it.

“But what about the mandate for drivers to carry insurance?”, they say…

The centerpiece of Clinton’s “American Health Choices Plan” is the so-called “individual mandate,” requiring everyone to have health insurance — just as most states require drivers to purchase auto insurance. Rival John Edwards has also offered a plan that includes an individual mandate, while the proposal outlined by Barack Obama does not.

States also require lawyers to carry malpractice insurance when practicing law. Doctors must carry malpractice insurance when practicing medicine. (Both to protect clients from malpractice) Mortgagors require homebuyers to carry private mortgage insurance if the downpayment is less than 20% of the mortgage (to protect the lendor against a borrower’s default).

But there are some big differences between health insurance and all the “mandated” types of insurance mentioned above. Health insurance is an inward-facing protection, where the others are outward-facing. This means that one purchases health insurance to hedge against a future out-of-pocket expense for his or her own (and family’s) care. Mandated insurance like auto, malpractice, mortgage, etc is designed to protect others from acts of the insured.

The other big difference is that those other types of insurance (including the auto insurance Hillary refers to) are also examples of “choice” despite being “mandated”. For instance, you only have to purchase auto insurance if you CHOOSE to drive a car. You only have to purchase mortgage insurance if you CHOOSE to take out a loan to buy a house with less than 20% down. You only have to purchase malpractice insurance if you CHOOSE a profession that requires it.

So what about those who don’t drive, buy a home, or practice law or medicine? Should they be forced to buy insurance for each activity anyway? Only then would Democrats’ comparison to auto insurance be relevant.

It’s true the Democrats’ plans are all about choice… so long as it’s their choice we’re talking about.

So does HillaryCare 2.0 cover illegals? When her campaign was asked about it, they said they’ll have to get back to us on that.

Senior [Clinton] policy adviser Laurie Rubiner–-while acknowledging that undocumented immigrants are a “huge issue” in this country–-said, “That’s one we’re going to have to think through a little bit.”

“We have not dealt with every single detail with this plan,” Rubiner continued.

And it’s already at $110 billion? Imagine what this will cost when they do decide to get around to the details.

It’s amazing that the same people claiming Bush’s administration is too intrusive in their personal lives would support this proposal:

[Hillary] said she could envision a day when “you have to show proof to your employer that you’re insured as a part of the job interview — like when your kid goes to school and has to show proof of vaccination,” but said such details would be worked out through negotiations with Congress.

Apparently the socialized Canadian healthcare system is such a model of success, liberal members of Parliament are coming to the U.S. for healthcare.

Posted by TexasRainmaker |

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