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Monday, August 06, 2007
Chuck Muth :: Townhall.com Columnist
Health Insurance Blues: Give Choice a Chance
by Chuck Muth
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Will the Dems' health care Christmas Present to America be an improvement or detriment to our health care system?


And the Wall Street Journal noted that the same study “found that a typical insurance policy - $2,000 deductible, 20% co-insurance – for a family of four could be had for as little as $172 per month in a reasonably regulated locality like Kansas City, Missouri. But in New York that family’s only option – managed care – would run $840 per month, and in New Jersey family policies run a whopping $1,200-plus.”

Why shouldn’t a family in New York be able to purchase that far less expensive policy from the Missouri company?

If you want to shrink the ranks of the uninsured, perhaps it’s time to open the market and reduce the cost so that average people can afford basic coverage without all the government mandated frills. Instead of blocking the mergers of health insurance companies in one state, perhaps it’s time to open up the competition among all 50 states?

Rep. John Shadegg, Arizona Republican, has proposed just such legislation in Congress; however, Congress in the hands of pro-union/anti-free market Democrats and is unlikely to act favorably on such a common-sense, cost-free solution to the health care insurance problem. Which is why state legislatures should take the lead and open up their own markets without waiting for the feds.

Let’s give choice a chance.

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About The Author

Chuck Muth is President and CEO of Citizen Outreach and a professional political consultant.

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0ne simple problem with health insurance

Benicar (a blood pressure med) goes for about $46 and most insurance plans kick in $11 so that you pay $35.

However, if you don't have insurance, the price jumps to $70. The same pharmacies that are more than happy to sell it for $46 when there is an insurance copay have no trouble charging damn near twice for those uninsured.

The same thing is true if you go into the hospital. There is one cost if you have insurance but if you don't it will be about double and they will sue you to get it. I am not a fan of price controls but health care needs to be treated like other industries - concepts such as "price fixing" and "restraint of trade" need to be dealt with.

We can blame the insurance companies and we can blame the corrupt and incompetent government, but the concepts such as "price fixing" and "restraint of trade" remain....

georgiagal/doctork
If all government mandates, coverage demands, and other non-economic factors were removed from the mix, the"invisible hand" of the market would deliver competing policies and coverages folks could purchase just like they now order pizza. Furthermore, if end users of care were the ones paying its' costs, there would be significant price shopping and demand for simple, non-life-at-risk usage would drop. Basically, I believe forcing doctors, nurses, etc. to deliver care to anyone, regardless of ability to pay, and only at rates of payment determined by government, to be slavery. Perhaps if people knew in advance they and they alone would bear the costs of their healthcare, many foolish behaviours would be bred out of the species, through personal choice or death by attrition. Why should responsible, hardworking people be forced to pay (in higher premiums due to cost-shifting) for the care of a premature crack baby whose mother is broke, uninsured, and unable to pay even a fraction of the cost? Survival of the fittest combined with personal responsibility would lead to a healthier and wiser population, something of long range benefit to mankind as a whole in an age of finite, diminishing resources.Also, why complain about high medical costs for procedures or medecines? No-one is forcing you to use them, you can always ask your next door neighbour to perform your bypass surgery, or substitute castor oil or scotch whisky for nembutal or cardizem.Of course, the success rate of surgeries performed by an elementary school teacher or truck driver might not be as high as those performed by a Harvard Med. trained cardiologist, but you get what you pay for. Where in the constituition does it state unlimited cost-free healthcare is a right for even citizens, let alone illegals who sneak into our home ?
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