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Brian4Liberty
03-19-2017, 09:25 PM
Obamacare Repeal or Obamacare 2.0? (http://ronpaulinstitute.org/archives/featured-articles/2017/march/19/obamacare-repeal-or-obamacare-20/)
Written by Ron Paul - Sunday March 19, 2017


This Thursday, the House of Representatives will vote on a Republican bill that supposedly repeals Obamacare. However, the bill retains Obamacare’s most destructive features.

That is not to say this legislation is entirely without merit. For example, the bill expands the amount individuals can contribute to a health savings account (HSA). HSAs allow individuals to save money tax-free to pay for routine medical expenses. By restoring individuals’ control over healthcare dollars, HSAs remove the distortions introduced in the healthcare market by government policies encouraging over-reliance on third-party payers.

The legislation also contains other positive tax changes, such a provision allowing individuals to use healthcare tax credits to purchase a "catastrophic-only" insurance policy. Ideally, health insurance should only cover major or catastrophic health events. No one expects their auto insurance to cover routine oil changes, so why should they expect health insurance to cover routine checkups?

Unfortunately the bill’s positive aspects are more than outweighed by its failure to repeal Obamacare's regulations and price controls. Like all price controls, Obamacare distorts the signals that a freely functioning marketplace sends to consumers and producers, thus guaranteeing chaos in the marketplace. The result of this chaos is higher prices, reduced supply, and lowered quality.

Two particularly insidious Obamacare regulations are guaranteed issue and community ratings. As the name suggests, guaranteed issue forces health insurance companies to issue a health insurance policy to anyone who applies for coverage. Community ratings forces health insurance companies to charge an obese couch potato and a physically-fit jogger similar premiums. This forces the jogger to subsidize the couch potato’s unhealthy lifestyle.

Obamacare’s individual mandate was put in place to ensure that guaranteed issue and community ratings would not drive health insurance companies out of business. Rather than repealing guaranteed issue and community ratings, the House Republicans’ plan forces those who go longer than two months without health insurance to pay a penalty to health insurance companies when they purchase new policies.

It is hard to feel sympathy for the insurance companies since they supported Obamacare. These companies were eager to accept government regulations in exchange for a mandate that individuals buy their product. But we should feel sympathy for Americans who are struggling to afford, or even obtain, healthcare because of Obamacare and who will obtain little or no relief from Obamacare 2.0.

The underlying problem with the Republican proposal is philosophical. The plan put forth by the alleged pro-free-market Republicans implicitly accepts the premise that healthcare is a right that must be provided by government. But rights are inalienable aspects of our humanity, not gifts from government.

If government can give us rights, then it can also limit or even take away those rights. Giving government power to enforce a fictitious right to healthcare justifies government theft and coercion. Thievery and violence do not suddenly become moral when carried out by governments.

Treating healthcare as a right leads to government intervention, which, as we have seen, inevitably leads to higher prices and lower quality. This is why, with the exception of those specialties, like plastic surgery, that are still treated as goods, not rights, healthcare is one of the few areas where innovation leads to increased costs.

America’s healthcare system will only be fixed when a critical mass of people rejects the philosophical and economic fallacies justifying government-run healthcare. Those of us who know the truth must continue to work to spread the ideas of, and grow the movement for, liberty.
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http://ronpaulinstitute.org/archives/featured-articles/2017/march/19/obamacare-repeal-or-obamacare-20/

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CaptUSA
03-20-2017, 07:25 AM
America’s healthcare system will only be fixed when a critical mass of people rejects the philosophical and economic fallacies justifying government-run healthcare.

Oh, well that statement is disconcerting. :(

So, never then?

Ender
03-20-2017, 09:21 AM
Oh, well that statement is disconcerting. :(

So, never then?

Looks like it. 'Muricans have no clue on real health care & financial freedom.

CaptUSA
03-20-2017, 09:30 AM
Looks like it. 'Muricans have no clue on real health care & financial freedom.

Yeah, no kidding. I keep hearing the moral arguments, too. Crazy. They think it's immoral to not cover people's health care costs.

And yet, they absolutely zero moral quandaries with indebting their children and grandchildren to a future government to pay for their own health care today. Too bad the yet-to-be-born don't have a vote! (It's especially immoral considering that we're inflating the costs of our own health care to astronomical heights! I guess it's really easy to enslave your prodigy if it means you can add a few miserable years to the end of your own life.)

Anti Federalist
03-20-2017, 10:12 AM
Oh, well that statement is disconcerting. :(

So, never then?

Freedom is not popular.

Ender
03-20-2017, 10:18 AM
Yeah, no kidding. I keep hearing the moral arguments, too. Crazy. They think it's immoral to not cover people's health care costs.

And yet, they absolutely zero moral quandaries with indebting their children and grandchildren to a future government to pay for their own health care today. Too bad the yet-to-be-born don't have a vote! (It's especially immoral considering that we're inflating the costs of our own health care to astronomical heights! I guess it's really easy to enslave your prodigy if it means you can add a few miserable years to the end of your own life.)

My POV is that it doesn't even add years to one's life. It only feeds the insurance and drug rackets. Health care would be incredibly affordable if gov would get its profiteering nose out it- not to mention that care would be much better in a free market.

I have friends that will only go to Mexico for health and dental care- much better care and very inexpensive. Makes me wonder if THIS is the reason for Trump's wall. ;)

TheTexan
03-20-2017, 10:31 AM
I think they just need to force everyone to buy into a single-payer healthcare plan. And then refund the amount paid.