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View Diary: Sorry, Mr. President, But The Affordable Care Act Did Not Make Insurance a "Right" (103 comments)

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  •  Oh, I don't know... (3+ / 0-)
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    Goingallout, glynis, kareylou

    We are forced to purchase car insurance and we are required to get our cars inspected for safety every year. I can clearly remember the days before car insurance and mandatory inspections and the road was full of junkers. Cars with blowouts could be seen beside the road. And our air pollution would be even worse today if emissions had not been reduced because of catalytic converters and regular exhaust inspections. And there is no doubt that seat belts, required by law, have saved lives and reduced injuries.

    I remember before children were required to be immunized against what we called "childhood diseases" years ago: chicken pox, measles, whooping cough, and polio. But some foolish people recently refused to give immunizations to their children because of the unjustified fear of autism from the serum, and childhood disease in some places came back and innocent children suffered and some even died. These deaths were the result of irrationality and rebellion against common sense.

    Drug companies complain bitterly about the restrictions imposed by the FDA, but they seem to have forgotten thalidomide and the horrors it caused to newborns.

    And I remember the days before Medicare and Medicaid. We pay for these services even though it may not seem like it. But as a long time employer I am well aware of the Medicare deductions that I must take from each and every employee's paycheck and then forward to the IRS.

    And the advent of Medicaid has been almost miraculous. Over the years of my life older relatives and friends have sickened and died. Not all of them died suddenly, but suffered over months even years, and some of them were poor, especially those I knew sixty years ago. They stayed at home and relatives and friends and churches tried to take care of them. But Medicaid paid for them to be placed in nursing homes and I have seen with my own eyes, over years, that nursing homes have been cleaned up and their service improved to meet government-imposed minimum standards. I know that there must be horror stories still, but I also know that the end times of many people were less painful, were cleaner, were more dignified. Government did these things.

    So, even though I can see the many defects in Obamacare, I can also see that it will improve the lives of millions and therefore I am glad it has happened. I think that it will slowly, too slowly, improved until it evolves into Medicare for all, a single-payer system.

    So, these few examples show how government requirements have made our world a safer and better place, even though we have to pay indirectly or directly for the expenses incurred.

     

    Might and Right are always fighting, in our youth it seems exciting. Right is always nearly winning, Might can hardly keep from grinning. -- Clarence Day

    by hestal on Sun Aug 18, 2013 at 03:41:39 AM PDT

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    •  But one can choose not to operate a car... (2+ / 0-)
      Recommended by:
      flowerfarmer, Nattiq

      And yet millions will remain uninsured under the ACA.

      •  Huh? (0+ / 0-)

        Might and Right are always fighting, in our youth it seems exciting. Right is always nearly winning, Might can hardly keep from grinning. -- Clarence Day

        by hestal on Sun Aug 18, 2013 at 07:06:08 AM PDT

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        •  you can choose (2+ / 0-)
          Recommended by:
          Nattiq, Superskepticalman

          not to drive but you can't choose not to get sick.  I think that is the point.  In other words, health insurance and car insurance are not analogous.

          Justice For Will Will spent his brief, courageous life fighting for the rights we all take for granted. Please share his story to support the fight!

          by KibbutzAmiad on Sun Aug 18, 2013 at 07:09:15 AM PDT

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          •  Yes they are. (1+ / 0-)
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            glynis

            Both have premium structures that are designed to pay for all claims.

            In the case of automobiles, if one does not drive then one is presumed never to have an accident that would result in a repair claim. So the premium structure is designed to pay all claims plus some profit for the insurance company. All drivers therefore have to pay premiums.

            In the case of human health, one is presumed to some time or another get sick and require the services of the health care system. So the premium structure is designed to pay all claims plus some profit for the insurance company. All humans therefore have to pay premiums.

            In the case of automobiles, if an unlicensed and/or uninsured person does drive (illegally) and does have an accident that does harm to people and equipment, most insurance companies would have no, or severely limited, obligation to pay anything.

            But in a national health insurance program, that is sponsored by the government, then all persons have to pay premiums. Otherwise an uninsured person who became ill would go to the emergency room and demand attention. Of course, a government program would pay for the freeloaders services, which is very unfair to those who have done the right thing.

            If, as you seem to suggest, a person who is not insured for health care will never get government health care, directly or indirectly, but would get a free service from someone then I guess that would be OK. But we know that the world does not work that way. Someone has to pay and in the case of uninsured sick persons I would have to pay some prorata portion of the cost, which I do not wish to do.

            So, you don't want to pay, and I want you to pay. By refusing to pay and then later seeking free care when you do become sick you are being a freeloader, a hypocrite, and other nasty names I can think of.

            I am a mathematician, a former high school math teacher, and a retired designer of large computer systems for large enterprises including casualty insurance which includes automobile insurance and health insurance.

            The kind of logic mistake you have made here is unfortunately very common, and it does much harm to our society. Politicians take advantage of the lazy, impaired thinking of many people.

            Might and Right are always fighting, in our youth it seems exciting. Right is always nearly winning, Might can hardly keep from grinning. -- Clarence Day

            by hestal on Sun Aug 18, 2013 at 07:46:03 AM PDT

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