Michael Barone

The defects of the Obamacare website have become well known. But the problems with the law go further than the website. These problems are not incidental, but central to its design and the intentions of its architects.

Many Obamacare backers, including Barack Obama, would prefer "single-payer" health insurance. The government would pay for everything and you would get health care for free.

There is an inconsistency here with the way we treat other things regarded as the basics of life -- food, shelter, clothing. Government subsidizes food purchases only for some -- though a sharply increasing number in the Obama years -- through food stamps.

It also has subsidized housing through loan guarantees and laws encouraging mortgages for the uncreditworthy -- policies that resulted in the financial crisis of 2008-09.

Government hasn't yet proposed subsidizing the purchase of clothing. But the thought is that health care, imposing disproportionate costs on some individuals, should be provided for free.

Obamacare's architects knew the votes weren't there for single-payer insurance, so they fashioned their health care legislation and regulations to reduce out-of-pocket costs for people with different health care needs.

Insurance policies have to include coverage for services that many consumers will not need, including maternity coverage and mental health treatments.

Even Obamacare enthusiasts, such as Harold Pollack of the University of Chicago, suggest that the administration should "revisit just how minimal the most minimal insurance policies should be."

But that would work against the Obamacare goal of moving everyone toward paying less out of pocket for health care.

Even more egregious is Obamacare's requirement that policies for one age group cost no more than three times the cost for another. In practice, this means that young consumers, who incur few heath care costs, are asked to subsidize people in old age groups, who incur many more.

This is the opposite of the progressive economic redistribution, which American liberals usually favor.

People in their 20s tend to have negative net worths. They owe more -- in consumer debt, on college loans -- than they have in bank accounts, home equity and financial assets.

In contrast, people in the 55-64 age group, the oldest covered by Obamacare, tend to have relatively high net worths. Federal Reserve wealth statistics consistently show that Americans reach their peak net worth in these years. After age 65, they start spending that net worth down.

Michael Barone

Michael Barone, senior political analyst for The Washington Examiner (www.washingtonexaminer.com), is a resident fellow at the American Enterprise Institute, a Fox News Channel contributor and a co-author of The Almanac of American Politics. To find out more about Michael Barone, and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate Web page at www.creators.com. COPYRIGHT 2011 THE WASHINGTON EXAMINER. DISTRIBUTED BY CREATORS.COM