Sympathy for Insurance Companies

I can sympathize with the plight of insurance companies. In a purely capitalist system, there isn't much incentive not to be total assholes. As soon as you have one do-gooder business insuring people with cancer (like me), the sooner they'll be out-competed by the assholes on the block who aren't doing that and be put out of business.

One rotten apple spoils the whole barrel. Capitalism left unchecked tends toward the lowest common denominator.

That is why that argument is so clear for universal health care. If we all just get together and decide to share the burden and get 'er done, we can do it. Companies acting alone with no reward for taking on a financial burden won't insure the people who actually need it. They will sit up late at night trying to figure out ways to exclude people, which isn't a very good exercise for any human being to be involved in. Nobody should put themselves in a position where their job is to figure out ways to deny coverage for the people who most urgently need it.

The government shouldn't run health care, it just needs to remove barriers for people who need access to it and/or increase incentives for companies to do so. The government can help level the playing field so that business people who want to do good are not penalized for doing so. Let's help create a society where it is easier to be good, as Peter Maurin suggested.

I'm not saying capitalism is all bad. I'm just saying that there are some decisions that are best left to individuals to fend for themselves against market forces, and then some decisions are better left to large groups (like nations) to decide and enact en masse. Few people are trying to bring about socialism in America, and few are truly trying to bring pure capitalism (which is really another word for anarchy). The only question in American politics is agreeing on what we do individually and what we do collectively--either way it is still capitalism. Nobody is forcing the government on anybody if we all democratically decide that we would rather do something as a group than as individuals.

I'm glad we don't leave it up to the free market to determine how to drive on roads. I'm reasonably happy to know that when I drive on the road that anyone coming in the opposite direction is going to stay on the other side. Laws like this just make life easier, not more difficult. All these people spouting about how the "least government is the best" haven't seen how the business world works when left unchecked.

However, opponents like to throw out words like "socialism!" to scare people. Few people will do the relevant research to unpack all that loaded language. This is especially true in a nation where technical training is up but we have very little stock in educating people about logic and rhetoric (once pillars of higher education).

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There's another argument for universal health care that few people are talking about: Entrepreneurism. How are we gonna dig our way out of this economic malaise? One surefire way is through innovation. Innovation is proven growth element in any economy. Any economist will tell you that the best way to encourage that is to reduce risk. Let's support an environment where people have fewer barriers to trying new things and let them take us to the next level.

I'm an entrepreneur. I'm ready to start my own business. I'm a director of a nonprofit organization. However, we need some time before we can turn it into an operation that can support salaries and insurance packages. The jump from a standard, off-the-shelf job into this is too steep right now. I'd have to fly without health coverage for a while. That's simply not an option. So instead of boldly going where no one has gone before, I'm looking into being a barista just for the health care. The availability of health care coverage is the biggest governor slowing down the whole process. Here I am, an excited and motivated citizen, ready to bring innovation into the economy, and I'm halted by a flawed health care coverage system.

The biggest problem is that our health care is all tangled up with employment. That needs to be unravelled. Perhaps it made more sense 40 years ago as many folks worked for large corporations like the Big 3 Auto and job transitions were more rare. Nowadays, there are many self-employed and other entrepreneurs, but the current health care infrastructure does not support their occupation choice.

Decades ago, companies found that they instead of paying higher wages, they could offer "wages plus benefits" to employees as part of their compensation package. It was a win-win: Companies could negotiate lower group rates so in a sense the employees were getting more bang for the bucks that the companies were spending on them. The problem is that we ended up with this convoluted system where health care is tied to employment. In our modern world where job transitions are higher than they ever used to be, the current system does not support our current work culture.