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Friday, June 26, 2009
David Harsanyi :: Townhall.com Columnist
How To Lie With Statistics -- Again
by David Harsanyi
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What was the biggest suprise of Election Day?



Did you know that about 300 million Americans went without food, water and shelter at some point last year?

I am a survivor.

If you were blessed with the prodigiously creative and cunning mind of a politician, that kind of statistic -- meaningless but technically true -- could be put to good use.

In the entertaining 1954 classic "How To Lie With Statistics," Darrell Huff writes, "Misinforming people by the use of statistical material might be called statistical manipulation … (or) statisticulation."

One of the most persistent examples of modern-day statisticulation is the sufficiently true claim that 46 million (it becomes 50 million when senators really get keyed up) Americans don't have health insurance.

Set loose on the public's compassion, this number is a powerful tool in the hands of eloquent orators, such as President Barack Obama, when they're peddling government-run health care reform. And no matter how often the figure is debunked, no matter how many studies point to its inexact nature, it's just too politically inviting not to embrace.

Wherever we stand on health care policy, surely we can admit that it's just as important to understand why Americans are uninsured as it is to get a handle on how many Americans are uninsured.

It is true that the 46 million figure is based on unreliable Census Bureau data. But even the less unreliable Congressional Budget Office puts the number at about 31 million. And even that number, former CBO Director Douglas Holtz-Eakin claims, is an "incomplete and potentially misleading picture of the uninsured population."

For one reason, the uninsured figure counts all Americans (and illegal immigrants) who have been uninsured for any amount of time during a year, even if they happen to be between jobs or changing insurance plans or on family visits to Guatemala.

According to the CBO, 45 percent of the uninsured are uninsured for four months or less, which seems like a pretty positive number to me. Continued...

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About The Author
insurances are businesses
insurance companies cover with low rates those that have a low likelihood of getting seriously ill.

It is like hurricane insurance - cheap in Colorado - expensive in Florida

Health insurance need
People between the ages 6 and 46 seldom need any sort of health insurance, because they are just too healthy.

It makes no sense at all for people between the ages 21 and 46 to have insurance; pay as they go is much cheaper for them.

They are by far money ahead to stick the "health insurance premium" in a bank and pay taxes on the interest, get the insurance in their 40's, and keep the savings account to pay for catastrophic health problems.

(Ignoring the issue of pregnancy and children under 6, of course.)
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