Opponents of Health Reform: Stupid, Greedy or Just Gullible?

The right is very stupid, or very greedy, or very gullible on the issue of health care.

Clearly, for executives of insurance companies, greed is the predominant factor. Small-business owners (and many large ones) who oppose universal health care with a public option are simply stupid, since our current system of providing health insurance for workers through the private sector costs them far more than their competitors in other countries, and put us at a competitive disadvatage.

And the ordinary Joe and Jane the Plumber who rail against socialism and death panels and so forth and so on simply are extremely gullible. Otherwise, they would know that one of the the leading causes of individual bankruptcies are the massive expenses of a family medical crisis, and many of those people had insurance.

We are told the United States the best health care system in the world. Yet we spend 20 percent or more on administrative costs, when most other developed countries spend less than half that. (Heck, in Taiwan they have a single-payer system in which the administrative costs are 2 percent; and those so-called inept Canadians with their "socialist" system spend 6 percent.)

We don't have universal coverage. We often have long waits to see specialists, when people in other countries often can see a specialist within the same day. The scare tactic that health care is "rationed" in many other developed countries with universal health care coverage is simply a myth:

In France and Japan ... patients can go to any doctor, any hospital, any traditional healer. There are no U.S.-style limits such as "in-network" lists of doctors or "pre-authorization" for surgery. You pick any doctor, you get treatment -- and insurance has to pay.

The truth is that if there is any rationing going on, it's already happening here in America. And it is the insurance-company bureaucrats who are making the decisions to deny coverage to protect their companies' profits:

When an insurance company denies coverage because of a pre-existing condition, it is rationing health care. When it "rescinds" coverage -- telling a client with a serious, expensive medical issue that it is canceling his or her policy -- it is rationing health care. When an insurance company refuses to pay for a particular procedure or medicine, it is rationing health care. When uninsured people are turned away from hospitals and doctors' offices, health care is being rationed. (And if anybody thinks that doesn't happen, remember those long lines in Los Angeles when doctors offered free care to the uninsured. That was a lot of suppressed demand for health care that people could not acquire through other means.)

Our health insurance premiums outpace the cost of inflation and wage growth and are expected to double by 2020. And that's with companies that do their darnedest to not cover major medical conditions by excluding people with pre-existing conditions (a somewhat broadly defined term) or the ugly process of rescission, and where small businesses often see dramatic rises in their insurance costs from year to year.

And not just by insurance companies, but by states too cheap to fully fund their Medicaid mandates, thus condemning many people to death if the procedure they need is not covered:

The truth is, health care is already rationed in the States -- by individuals struggling to afford even basic cover, by companies negotiating (or refusing) benefits, by government agencies trying to balance budgets. For many years, I lived in a state where the legislature ranked and rated, by price, procedures people on aid could receive and refused to cover anything deemed too expensive.

Even if, as the papers frequently reported, it meant letting adorable little children die. But since it is America, you can shop around. Just across the border in a different state, the legislature decreed that pre-existing conditions could not be excluded or made the subject of increased charges under insurance plans, leading me and many others to migrate a few miles to get a better deal.