Dear readers, I just realized that I hadn’t written anything today, so I decided to post my follow-up response to my healthcare debate with the anonymous free-market commenter I mentioned two posts ago. You can read his response to my post, but there’d be no reason to. It’s just the same old contradictory muck that you’ve seen before. Long on assertions and theories; short on details and reality.
And in case you were wondering: No, I’ve never been particularly obsessed with healthcare until I wrote two posts bashing free-market conservatives for what they wrote on healthcare. Now I can’t seem to leave it alone. That’s just how it goes.
Anonymous – When I wrote that you wanted to end health insurance and only rely on catastrophic health insurance, it was obvious that I simply miswrote that, as it would make no sense otherwise. I even noticed that and meant to rewrite it, but just forgot. The fact that you’d suggest I was misrepresenting you is entirely absurd. Why would I have mentioned the catastrophic coverage at all if I meant to misrepresent your position? I also forgot to mention what an anal putz you are, but they probably already guessed.
As for your suggestion that employer-paid insurance is "government intervention," almost all business expenses are deductible. The only one I can think of off-hand are meals & entertainment, which are only 50% deductible. They deduct payroll expenses and other employee perks. Why should health insurance be any different? If an individual buys a computer, it’s not tax deductible. But if they start a business and use that computer for business purposes, it becomes tax deductible. Their health insurance would be deductible too. See how that works? Business expenses are deductible because businesses are taxed on their profits, not their revenue. How is that government intervention?
And do you honestly believe that employers only offer health insurance because it’s tax deductible? Really??
And FYI, the real advantage that employers have over individuals for purchasing insurance is that they get group discounts. Group health is WAAAAY cheaper than individual insurance. And the more employees being insured, the cheaper the insurance is per person. While that certainly gives big firms an advantage over small ones, that’s the free-market for you.
And so even if we punished businesses by disallowing their deduction for health insurance, most of them would still give health insurance to their employees. And so where would that get you? Nowhere. Unless you explictly banned the employer health-insurance plans, you would have achieved nothing but raising their tax bills. I honestly assumed you understood that and realized that an outright ban was the only way to get rid of employer health insurance. And if we didn't get rid of health insurance, your "free-market" healthcare wouldn't go anywhere. Once again, I can't believe I'm forced to explain basic facts to you.
Beating the Experts
And I agree that under your system we could use our doctor as our medical cost expert. That’s exactly what I said the problem was. I suppose you let the sales guy choose your car for you too, as well as holding your d*ck. You’ve already suggested that doctors might behave unethically, by giving poor treatment. Somehow, that only applies to my system, while they’re all ethical in yours and you can trust them to tell you how much you should pay them. Of course.
And where on earth do you get the idea that everything in our current system is “charged to the max”? There’s a mechanism used for setting prices, and it’s called the free-market. You should read about it some time. I’ve already explained all this, but you ignore it anyway and choose to treat me like an idiot. But as I said, if the experts are getting screwed-over by doctors and hospitals, as you say they are, then I don’t see what hope the rest of us have.
But then again, as is typical of conservatives, you don’t believe in expertise. Because you don’t understand how an insurance company sets their prices, you imagine that no one else knows either. Instead, you imagine that they’re all idiots who pay “the max,” while you’re this genius who will trust what his doctor tells him the price should be. Of course.
The Fun Part
But you know what, I’ve just read ahead to the rest of what you wrote, and shit; I give up. I take it all back. You’re a complete moron. This is quite out of character for me, but I’m not even going to waste my time with this anymore. You have explained nothing, but prefer instead to talk vaguely of “government intervention” mucking everything up and how the “free markets will provide,” without ever really explaining what the government is doing wrong or why you imagine that the millions of people already getting screwed by the system won’t be joined by the millions more currently being helped by the system.. Instead you prefer to insult me by pretending that I think the government can solve everything..
Well I don’t. I’m not like you. I don’t think there are cure-alls. I don’t think there are perfect answers. Different options have pros and cons, and we make our decisions by weighing the good versus the bad.. But not you. You’ve got this fantasy idea that the market works perfectly, even though it obviously doesn’t and you refuse to explain how anything will work, besides a blind faith that “the market will provide”. You’ve got a theory which you imagine justifies your selfishness and just tune everything else out. It’s obvious that you don’t even know how the market really works. All you care about is that you think it gives you what you want, and that’s all you need to understand.
And it’s equally obvious that you know absolutely nothing about healthcare. Why should you? You almost never go to the doctor and never needed one for anything serious. And as with most conservatives, you just can’t understand anything that hasn’t affected you directly. Because you don’t need healthcare, you imagine that nobody else does either; so you don’t want to pay for it.
But there’s nothing special about your good health. I’m older than you and I rarely go to the doctor either. But that’s not skill. It’s luck. And there’s nothing to say it will continue. I’ve gone many years without insurance in the past, and it just meant that I avoided the doctor. I’ve also gone without car insurance before. Nothing bad came from either of those decisions. But it wasn’t because I’m so great. It’s because I got lucky. Just like you’ve been lucky.
Let me tell you a story. Last year my older sister started feeling run down and had a really bad headache. After a few days, she made a late night trip to the hospital. Why? Because she had insurance, so she could spend someone else’s money to get rid of the headache. They ran some expensive tests and found that she had a really bad sinus infection that was giving her the headaches (I think an MRI showed that). They also found that she had a really high white cell count, which is a symptom of leukemia. They ran more tests and found that she did have leukemia. She immediately got put into a top cancer hospital and earlier this year was told that she was cured. Her life is now saved and her daughter still has a mom. She still has to take lots of pills and her hair has only begun to grow back, but she’ll live.
And how did that happen? Because she had employer insurance. Without insurance, she’d have been unlikely to be “careless” with her money and see a doctor. I mean, people get headaches. It happens. And she surely wouldn’t have agreed to the expensive tests that she got that found her high white blood count. After all, the headache wasn’t even related to the leukemia. It was just luck that they found it at all. Who does blood tests for a headache? They did, because they couldn't explain her symptoms and insurance was paying the bill.
And sure, your catastrophic insurance would have covered the super-expensive leukemia treatment, assuming she had coverage. But without insurance footing the initial tests, she probably would have just kept popping Tylenol and avoided the hospital all together. Now she spends much of her free time raising money for leukemia to help save other people’s lives. That’s what society is all about: People helping other people.
But fuck all this and fuck you. I don’t need this shit. You’re not going to listen to a damn word I say and you don’t give a damn if my kids die. All you care about is your money. You’re a selfish fuck who brags about ripping off his employer and the suckers who allow you to drink at their open bar. Those two things are telling enough about what a selfish jerk you are. And you assume we’re all like that! Typical.
You tell me that I’m supposed to “suck it up” when my daughter has a concussion. Well fuck you. I just hope that you’re never left to the mercy of the system you wish to harm millions of us with. Of course, a selfish fuck like you would never say the same for me. How do I know? Because that’s the hell you’re already wishing on me and my kids. But don’t worry. You’ve got your money and your health, and with any luck, you won’t have any kids. We can all hope, anyway.
BTW, the one time my daughter did get a concussion, she had to stay in the hospital for two days. Concussions take more than stitches, dumbass. They’re fucking concussions. Look it up. The CAT scan to determine if she had a concussion cost more than $100. You really don’t know much about medical care, do you?
Perhaps some day you can have the joy of watching your five-year old get pushed off the top of a slide and start vomiting and being unable to speak. Frantically trying to find a hospital in a strange town was fun too. But in your mind, this was just a $100 bill that I should suck up. Fuck you.