David Limbaugh

It's very clever -- and reminiscent of his street-agitating mentor Saul Alinsky -- for Obama to adopt the anti-government language of conservatives to use against insurance companies. They are "rationing" care, he says. No, they enter into contracts with individuals and groups to provide insurance coverage as defined in the contract. They don't arbitrarily deny coverage if they have contractually agreed to provide it. But if they do, legal remedies are available.

I realize Obama has no qualms about violating the contracts clause of the Constitution and interfering with private contracts, but that's not the way it's supposed to work in America. For him to suggest that insurers must be forced to cover pre-existing conditions is tantamount to saying the government is going to convert them from insurance companies to unconditional guarantors. How can you call it insurance if you remove their ability to calculate their own risk assessments?

If, in his dictatorial omniscience, Obama tells insurance companies what they must cover, how many of them will remain in business while forced to take losing deals -- absent government subsidies?

Even if you believe insurers are culpable, you will still be hard-pressed to demonstrate that any insurance pricing abuses are responsible for more than a fractional percentage of our rising health care costs. Republicans made that point quite cogently during Obama's bogus summit, and he didn't even pretend to have an answer for it.

I believe our rising costs are attributable mostly to government interference with free market forces. The price mechanism is not allowed to work because, due to tax laws, most people get their insurance through their employers and don't have to pay out of pocket for their own insurance and so the costs are invisible to them. They don't base their consumption on what they can reasonably afford.

In addition, the government has mucked things up with Medicare and Medicaid, mandates insurance coverage for unnecessary procedures, prevents interstate insurance purchases, as noted, and obstructs health savings account reforms and tort reform.

By demonizing insurers, Obama is diverting attention from the real villain here -- an intrusive federal government -- so he can give it even more control.

The people know better, which is why he's endorsing legislative shenanigans to get it done, despite condemning that approach in the recent past.

Oh, yes, and if you believe he's going to rein in government costs and "fraud and abuse," there's some real estate I'd like to sell you at a fictitious address with a phantom ZIP code.

David Limbaugh

David Limbaugh, brother of radio talk-show host Rush Limbaugh, is an expert on law and politics. He recently authored the New York Times best-selling book: "Jesus on Trial: A Lawyer Affirms the Truth of the Gospel."

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