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Further Reposts
Things that have been said before
Watching the Democratic Debate 
26th-Feb-2008 09:29 pm
Me
They're discussing health care.
And credit where credit is due: I was inspired by Clinton on this. She was
talking about how if someone doesn't get/have insurance (and can't afford to
pay for it themselves) then the cost of their treatment is spread among
every one else. (Yeah, umm humm that what insurance is. If I don't need care
then I'm just subsidizing everybody else. I do understand that there is a
'freerider' difference but that's just how it struck me.)

So then you need a system whereby there can be no free riders. and you need
a second layer of insurance/subsidy for those who can't afford the premiums.
Together it really starts to look like single payer, doesn't it? But, I
understand that in the US there is a strong desire for competition (which
does tend to foster efficiency of a sort (of course, whether efficiency is
the highest good one could want from a health care system (or an economic
system) is open to debate (I propose that it may not be))) so, couldn't you
preserve that competition by having the government collect premiums(taxes)
and then allow people to pick their insurance company/policy/coverage, whom
the government would then pay at a default rate. (with a default backup if
the person does nothing. ie congressional insurance?) Proceed as currently,
for care and payment.
Of course you leave open the possibility for people to pay their insurance
provider at a higher rate for additional services, which creates what in
Canada is called a 2 tier health care system and is considered bad, but
which i expect few americans would have any reservations about.


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