Posted by
On the Right on Tuesday, October 28, 2008 11:23:25 PM
It's simple, really. Republicans want to empower consumers and the
private sector. Democrats want government running the show, and Nov. 4
may grant them their wish.
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Get to know the term "single payer." You may hear a lot of it if
Barack Obama wins the presidency and his party gains unstoppable
majorities in the House and Senate. It's not on the candidate's or
party's lips at this point, but it's in their hearts and minds.
"Single payer" means socialized health insurance. There's one payer
for all doctors, hospitals and other providers, and it's the
government. With variations, this is how things are done in Canada and
much of Europe. In the U.S., a single-payer system (Medicare) serves
the over-65 set. Obama's health plan is not a single-payer plan, at
least at the start. But give it time and it will get us there.
Obama's plan looks less radical at first glance. It would expand
workplace coverage with carrots and sticks for employers — the large
would have to provide insurance or pay a penalty, the small would get a
tax break to buy coverage.
Outside the employer system, he would set up a market of private
plans, with one public plan in the mix, and would help at least some
families pay for their policies.
But this is not merely a more subsidized version of the status quo.
It's a blueprint for socialization in stages, with private insurers
ultimately forced out of the health business.
Toward that end, his new public insurance plan would serve as a
Trojan horse. It would be first-among-equals in Obama's proposed
National Health Insurance Exchange, the regulated market for insurance
plans.
It would offer comprehensive coverage (including preventive,
maternity and mental health care) with taxpayer backing. Private
insurers in the Exchange would have to offer coverage at least as broad
as that of the public plan, but without the public subsidy.
You can see where this leads. Before long, the insurance "market"
would be a single-payer show. The same dynamic would eventually push
private players out of the employer-paid market as well, because the
tax-subsidized plan will have the same advantage. Employers will choose
it because it will cost them less.
We know this is what many Americans think they want, but there are
costs they need to consider before they vote. Socialized health
coverage would leave them dependent on one monopoly insurer. If
Medicare's continued slide toward insolvency is any guide, it would
lead to out-of-control costs and big tax hikes down the road. It also
would choke off the incentives that make American health care, for all
its faults, the world's leading force for medical innovation.