Comparing Insurance Apples And Oranges

I came across a new argument in the health care debate (new to me, at any rate). If you've been paying attention at all then you already know that one of the most controversial components in the reform package being discussed is the one that says everyone will be required to purchase health insurance or pay an annual fine for not doing so. Needless to say, there are many people who don't like being told they have to buy something whether they want it or not. It's intrusive. It's even insulting. Oddly enough, it's also quite the opposite of saving money since many of those people who choose to not have insurance are those who are young, healthy, and and possessing a lower income. The argument says, "You don't complain about mandatory auto insurance. Why should you complain about mandatory health insurance? You care more about insuring things than people?" This, of course, ties into what I said yesterday about demonizing your opponents so they are more easily dismissed, but there are a few problems with this argument.
For starters, there are many people who do complain about mandatory auto insurance and it is safe to say that all of these people are also numbered among those who complain about mandatory health insurance. These people don't much care for mandatory anything. They believe that it is demeaning to tell a free adult what to do with his or her life. I have to admit, I lean toward this camp, though I do not fit squarely within. I will make carefully tailored exceptions, but they're rare and you have to show a good, rational reason.
Of course, there are those who don't complain about mandatory auto insurance but do complain about mandatory health insurance. Why is that? What is the difference?
Well, for one thing, it is misleading to say that everyone is required to purchase auto insurance. No, actually it is plain false. You are only required to have auto insurance if you own and drive a car (or a truck or motorcycle or whatever you put on the highway). You are free to opt out of auto insurance by taking mass transit, riding a bicycle, walking, bumming rides with friends or family, or just plain not going anywhere (there are shut-ins and they are certainly not required to maintain auto insurance). In short, mandatory auto insurance is a long way from universal.
Mandatory auto insurance also serves a completely different purpose from mandatory health insurance. While there may be exceptions I don't know about (I doubt it, but you're free to correct me if I am wrong), the only thing mandatory about auto insurance in all locations with which I am familiar is liability insurance. In other words, you are not required to carry insurance on yourself; you are required to carry insurance to cover the possibility of your damaging someone else. That is a very distinct difference. See, this is why I said I make carefully tailored exceptions. I'm not thrilled with mandatory auto insurance laws, but I can see the necessity. When you're hurtling several hundred pounds of plastic and metal down the highway at sometimes dizzying speeds and surrounded by many many other fast-moving, heavy masses, it is safe to say that things can go wrong sometimes and there should be some reliable means of compensating the injured party when that "things can go wrong bit" happens to be your fault. I believe there are things that could be done to make the mandatory nature less onerous, but politicians are too lazy for that and I don't believe in miracles. At any rate, we can safely maintain that requiring you to carry some form of comprehensive health insurance on yourself and requiring you to carry some form of liability insurance on your car are not the same thing. They're not even cousins. Maybe distant cousins by marriage, but that's about it.
The final nail in the coffin of this comparison is the simple fact that auto insurance requirements are handled by state laws, not federal law. In fact, using a collection of state laws to justify a massive overreach of federal responsibility strikes me as serious arrogance, ignorance, or some twisted combination of the two. Are you people really not aware of the fact that one of the biggest complaints in this debate is the fact that this is not a proper, Constitutional function of the federal government? And you're using an example of that fact to support your case? You didn't think this through all the way, did you?
Apples and oranges have never been comparable and they still aren't. Just because you're trying to be snarky doesn't mean you're being clever. Perhaps if those of you who are so convinced you are right would step down off your high horses for a little while and actually listen to what is being said, rather than dismissing your critics as EEEEVIIIILLLLL, you might actually be able to have a debate and get something accomplished. Crazy talk, I know, but I'm pretty sure it's been done before.

Betrayal Of Service

The Obama administration announced today that it was dropping plans for a proposal it should never have been pursuing in the first place. Actually, in an ironic note, no one in the administration even had the nerve to make the announcement so they had House Speaker Nancy Pelosi make it instead. I say this is ironic because the House was not pursuing this plan - in fact, the heads of the appropriate committees in both chambers, both Democrats amusingly enough, flat refused to even consider it - so why was this a House Speaker announcement? My guess is that no one in Obama's posse relished the idea of getting his or her nose rubbed in yet another monumental mistake.
What was this monumental mistake? Obama wanted to go after private insurance companies to pay for service-related treatment for our military personnel. Supposedly this plan would save the federal government more than $500 million and, after all, the insurance companies are getting a free ride. Obama said it, so it must be true. He even had the gall to tell veteran's groups that, if they didn't like his plan, they needed to come up with something else.
[This whole current philosophy of "you're not allowed to say no unless you have your own plan" is really starting to get on my nerves, but that's a post for another day.]
I have an idea, Mr. President. It's rather revolutionary, and I know how much you like anything revolutionary, so stop me if you've heard this one before. It's a really simple plan: Honor your commitments and don't spend billions of dollars you don't have, preventing you from honoring your commitments.
Insurance companies are not getting a free ride on service-related treatment because they have nothing to do with service-related treatment! They didn't put our soldiers in harms way, we did. We owe them! I suppose I shouldn't be surprised that this president, who believes so strongly in "spreading the wealth", should have such a low understanding of paying an honest debt, but this is a new low.
I have not been a rabid anti-Obama writer. I dislike him and I certainly didn't vote for him. I believe he is unqualified for his job and is going to make a huge mess that the rest of us will have to find a way to clean. However, I believe we have had very few qualified presidents in the last 200 years, so I didn't see Obama as anything too remarkable, even in that. Now, though, I am beginning to wonder if I have been too forgiving.
We are the first nation in the history of the world who have acted like we truly believe that we can spit on our own military and get away with it. If any other military at any other time in history were treated the way we have treated ours there would have been a military coup long ago. Either that or they would have simply walked away and left us to defend ourselves. How much arrogance does it take to torment and abuse the most powerful fighting force the world has ever seen? Have we really become this stupid?
Mr. Obama, your behavior this week has been truly disgusting. Not only are you too arrogant to realize the foolishness of your actions, you lack the honor to recognize the shame of them. These people deserve your respect and your gratitude, not another one of your spur-of-the-moment, half-thought-out pipe dreams.
To those who have served this country and stuck to your guns in opposition to this scheme, thank you. Thank you for your service and thank you for your continued dedication. I promise you, there are those who have not forgotten.