(thread was getting too long so I took the liberty to fork it)
Paul Kammueller said:
Coercive -- Do you mean to tell me these tea partiers are fighting for their right to be uninsured? Serious? 8O
But there are coercive policies with regard to auto insurance too. Should we make that optional? Then try to collect the next time someone who 'opted out' suddenly rear-ends you. :S
You have coercive policies where one person's non-participation robs his fellow citizens. Because his non-participation coerces his neighbors to pay higher costs when he puts off healthcare until he finally makes a long-postponed, uninsured and extremely expensive visit to the ER. So I would put to you the existing system is more financially coercive. It's just disguised better.
In order to have universal coverage in a privately based system, to make it work you have the double-mandate: everyone has to get insurance, and no one can be denied insurance. That's just what makes sense.
Paul, except in Massachusetts, health insurance is not mandatory, and it should stay thataway. Charity is also not illegal, even in MA. So there's no reason some folks can't get a free ride, regardless if health insurance is mandatory.
Freedom is more important than security, and certainly more important than 'free' govt healthcare. Folks have lived productive lives and garnered as much happiness as they could manage without 'free' govt healthcare for only a couple of million years. All good things eventually come to an end (as do all bad things). Some things end better than others.
It is neither your business or my business whether someone above the poverty line decides to buy insurance. Folk below the poverty line get free insurance already if they bother to apply for it.
Since it is none of your biz whether someone else buys insurance, or whether that person suffers for his oversight, there is no need to defend a 'right to be uninsured'. However, here is ONE alternate strategy (of MANY alternate strategies):
A fellow of basically good health pays $5000 a year insurance from age 20 to age 60 with minimal doctor visits, then he drops dead from a stroke.
Alternately, the fellow puts $5000 a year into his mattress from age 20 to age 60 and drops dead from a stroke, leaving a much happier grieving widow with $200,000 to help her find some young handsome boyfriend
.
Inexpensive high-deductible Catastrophic Major Medical + Medical savings acct-- The lucky guy ends up with a nice kitty to leave to the missus and kids. The unlucky guy has a wad of money saved up when he starts coughing up blood, so he has plenty of money in the bank to augment his high-deductible cheap insurance.
The fellow who neither saves or buys insurance-- Well, that's just too bad, grasshopper. Sorry bout that!