The whole idea of insurance is to insure against catastrophes: You buy insurance in case your house burns down -- not so you can force other people in your plan to pay for your maid. You buy car insurance in case you're in a major accident, not so everyone in the plan shares the cost of gas.
Just as people use vastly different amounts of gasoline, they also use vastly different amounts of medical care -- especially when an appointment with a highly trained physician costs less than a manicure.
Insurance plans that force everyone in the plan to pay for everyone else's Viagra and anti-anxiety pills are already completely unfair to people who rarely go to the doctor. It's like being forced to share gas bills with a long-haul trucker or a restaurant bill with Michael Moore. On the other hand, it's a great deal for any lonely hypochondriacs in the plan.
Now the Democrats want to force us all into one gigantic national health insurance plan that will cover every real and mythical ailment that has a powerful lobby. But if you have a rare medical condition without a lobbying arm, you'll be out of luck.
Even two decades after the collapse of liberals' beloved Soviet Union, they can't grasp that it's easier and cheaper to obtain any service provided by capitalism than any service provided under socialism.
You don't have to conjure up fantastic visions of how health care would be delivered in this country if we bought it ourselves. Just go to a grocery store or get a manicure. Or think back to when you bought your last muffler, personal trainer, computer and every other product and service available in inexpensive abundance in this capitalist paradise.
Third-party payer schemes are always a disaster -- less service for twice the price! If you want good service at a good price, be sure to be the one holding the credit card. Under "universal health care," no one but government bureaucrats will be allowed to hold the credit card.
Isn't food important? Why not "universal food coverage"? If politicians and employers had guaranteed us "free" food 50 years ago, today Democrats would be wailing about the "food crisis" in America, and you'd be on the phone with your food care provider arguing about whether or not a Reuben sandwich with fries was covered under your plan.
Instead of making health care more like the DMV, how about we make it more like grocery stores? Give the poor and tough cases health stamps and let the rest of us buy health care -- and health insurance -- on the free market.
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