It’s called the Freelancer’s Union and they can provide you with quality health care for $180-$380/month depending on the size of the deductible. That means you could have health care coverage for $2,000-$4,000 a year.
If the government enabled the spread of organizations like the Freelancer’s Union, and gave every American a $2,000 voucher, we could ensure that every American has basic health coverage for about $700 billion a year. That’s a shit load of money, but it’s THREE TIMES LESS than the $2,2600 billion (aka $2.26 trillion) we currently spend per year and every indication suggests that private health care via organizations like the Freelancer’s Union is superior to the current system or any government run one.
The most important reason a private system is better than a public one is that private health care incentivizes healthy living by encouraging people to INVEST in their own health. The logic is simple. Would you maintain your car if the government paid for all your repairs? No, you’d probably drive more haphazardly, skip routine maintenance and purchase lower grade gasoline. You’d save money in the short term by accumulating damage until a serious malfunction occurred. Then you’d go to the government repair shop and get a major overhaul. If you had to pay for all your repairs yourself, you’d more likely treat your vehicle with respect, driving more conservatively, perform routine maintenance and invest in high quality fuel. You’d think about saving money in the long term by taking care of problems early so they don’t ultimately devolve into seriously expensive malfunction. Your body is a vehicle and, while most people treat their bodies worse than they treat their cars, the economics of auto-repair and health care are not so different.
Obama’s health plan is fundamentally wrong. It taxes businesses that don’t purchase their employees health care which results in an indirect tax on anyone who purchase their own health care from organizations like the Freelancer’s Union. The ultimate result is that if you, a sovereign human being, wanted to purchase your own health care on a free market you would be taxed. This is a horrible idea that would stunt the growth of private health care solutions and erode our personal freedoms.
There is absolutely no reason for the Federal Government to be involved in the application of health care services to the people just as the military should not be involved in community watch programs. Individuals must be free to make their own decisions about how they treat their own bodies. Freedom encourages responsible long term thinking that can not be successfully replicated by an authoritative system, no matter how honest the intention or complete the application. Freedom can not be imitated. It’s our nation’s most valuable resource and we squander it at almost every opportunity. That is no longer acceptable.
There is also a Constitutional argument that could be made about the invalidity of any public health care scheme. The 4th amendment, as interpreted under Roe v. Wade, clearly gives individuals the right to make their own health care decisions. Any government action that deliberately changes the most important decision I can make about my body, how health care is delivered, is obviously unconstitutional. My right to my body is the most fundamental right possible because if I do not have that right then, quite simply, I could be imprisoned or killed at any time by the people who do have the right to my body.
Let’s go deeper.
But, one might say, if health care was really about freedom and we’ve been living with deep government interference with health care for over 30 years, then we are not, nor have we been, free individuals. This is true: we’ve been enslaved. Liberated people do not hate their jobs. Liberated people do what they enjoy all the time because there is no one forcing them to do otherwise.
Imagine how little money you’d need to be truly happy. What if health care, food and shelter weren’t a factor because society provided you with access to each for no cost. How much money would you need? Aside from attracting a mate and recreation, you wouldn’t need much else. You’d be liberated because you’d need to earn less so you could spend more time doing what you enjoy. The magic of the world is that you are best at doing what you truly enjoy and, in a more liberated economy free from government meddling and the monopolies that emerge from it, it’d be much easier for you to monetize your passion. Indeed: you’d be in the sweet spot of what economists call comparative advantage.
The beauty of of the free market is that capacity doesn’t increase when people do more valuable tasks, but when people actually producing more value. The difference is subtle but significant: economic output increases when people expand their own capacity to do work, not when they do higher priced jobs. The more self-actualization in an economy, the more it can produce. The goal of the free market is transforming our labor force from farm labor into self-actualized labor. This is the trajectory of humanity’s economic development. It is the accumulated efficiencies of thousands of years of incremental progress.
But what does this have to do with health care?
The free market is the active force enabling comparative advantage. Government does the opposite. It restricts freedom by enabling someone else to make decisions for you and for others. No one knows what you love better than you do so no one but you can efficiently allocate your labor. Only you and the creative force of freedom.
The fact that our politicians do not look at every policy and first ask whether or not it restricts people’s freedom is a great treason and violation of the spirit of the Enlightenment philosophers who founded this country. America’s founding was rooted in a deep faith in the goodness of free human nature and a deep suspicion of institutions that prevented people from being free. It was an outgrowth of a freedom movement. If you’re not into freedom (many people aren’t) and think government should baby sit you and your friends – then you should either amend the Constitution or move elsewhere. There are many countries with lower costs of living, better weather and a government that will be happy to take care of you.
Let’s not be hasty and rush a ‘reform’ plan through Congress before looking at all the options, especially an easy to implement voucher system.