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Friday, July 31, 2009
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Separate Insurance Please!

Lawrence J. Rakowski, a member of the Journal Sentinel's Editorial Board Reader Advisory Committee (did you know there was such a thing?), says that obese people need to "pay their fair share" of the health care reform bill:

Taxing the rich won’t pay our trillion-dollar health reform bill. No, the obese must pay their fair share, too. A study released this week shows that obesity-related health care spending is now $147 billion dollars a year, or nearly 10% of all medical costs.

Diabetes, congestive heart failure, stroke, fatty liver disease – the health problems caused by obesity are many. And almost all obesity results from personal life style choices.

Before you reach for that second butter burger, tell me this: Why should I, someone who exercises and watches my diet, be liable for your healthcare? Separate checks, please!

I'm assuming he really means that we need to tax things soda, candy, potato chips, and anything else that people enjoy eating.  He claims it's because obese people cost a lot to treat.  That's actually not very true.  While there is evidence that they cost more on a year by year basis, their total health care costs over their lifetime are lower, mostly because they die younger.  If our concern is over the total cost of health care, than we should be taxing vegetables, and forcing Mr. Rakowski to eat Culvers.  You see, the elderly are far more expensive to care for than the obese, so we should be encouraging activities that prevent people from living long lives.

The really funny thing about this brief editorial post of Larry's is that he has already assumed that health care reform requires a grand government solution which applies to all people equally... and then complains that because people don't act the same, that it's unfair for him to be penalized for his good choices.  Well Larry... welcome to the problem with government solutions.

If you really want people to pay for their bad choices, than you should allow insurance companies to charge people different amounts based on their risk factors.  However, both the House and Senate bills explicitly forbid this, by making forcing insurance plans to use community rating.  A "public option" would be even worse, since everyone would be in the same tax supported plan.  Then there would be even less reason to change behavior.

In fact, the best option for "fixing health insurance" is the only one nobody talks about.  Allow health insurance to be deductible from taxes, even if you're not self employed (something which is currently not allowed).  This would allow people to not pay a tax penalty if they forgo their company's health insurance plan.  People would then shop for their own insurance, just like they can shop for their own car insurance.  The other important aspect to this is for states to reduce or eliminate all of the mandated coverage they now demand.

That would truly "separate the checks" as Mr. Rakowski demands.  Of course, it would also take government completely out of the equation, which is something I assume would upset him just as much.

# Posted at 2:55 PM by Nick  |  Comment Feed Link 3 Comments  |  No Trackbacks

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Monday, August 03, 2009 10:04:09 PM (Central Daylight Time, UTC-05:00)
Great post, Nick. Larry claims to want equal coverage for all Americans, but at the same time doesn't like the fact that he has to pay for Fatty's eating habits.

I think what you've really hit on here is the fact that Larry has a sick and twisted preoccupation with forcing other people to live according to his standards, and believes that by championing the "compassionate" cause of health care coverage for all Americans, it somehow cancels out the fact that he's a busybody, nanny state tyrant.

OMG, I can't wait for the commie-style morning calisthenics via state-run TV. It's gonna be freakin' awesome! The only thing that would be more awesome is if members of Congress would take turns leading us in our communal stretching exercises. I'd pay good money to watch Barney Frank attempt windmills.
Tuesday, August 04, 2009 7:49:04 AM (Central Daylight Time, UTC-05:00)
In his post-article comments (assuming the commenter claiming to be him really is, which is probable), he mentions that he doesn't want to tax fatty foods, as he likes to eat them. He essentially wants to tax fat people because he isn't one, much like many people want to tax the rich because they aren't.
Joel
Wednesday, August 12, 2009 9:19:47 PM (Central Daylight Time, UTC-05:00)
Hi guys, sorry to be late to the party. Joel is correct, I do not believe in "sin taxes." And yes, just as smokers need to pay their "fair share" (whatever the hell that is), I too believe the obese need to cover their expenses for poor lifestyle choices. Why shouldn't they?

I have not desire for people to live by my standards. Just pay for your own. I refuse to.

Difficult sometimes to get my point across in only 100 words (or less) but if you read my other stuff, I'm hardly a nanny state tyrant. I'm actually a health care administrator by training who's pretty conservative. I'm mulling the notion of joining the Libertarian Party.
Larry Rakowski
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