http://www.lp.org/news/press-releases/if-we-want-better-health-insurance-for-all-why-are-we-making-it-illegal


Press Release

For Immediate Release
Monday, March 12, 2012

If We Want Better Health Insurance For All, Why Are We Making It Illegal?

LP Chair: If We Want Better Health Insurance For All, Why Are We Making It
Illegal?
WASHINGTON --  Libertarian National Committee Chair, Mark Hinkle, released
the following statement today:
“While President Obama and the Republicans in Congress spend time debating
whether religious groups must provide their employees free contraceptives,
a far more fundamental issue is being ignored: if we want better health
insurance for all, why are we making it illegal?
“ObamaCare, known in Massachusetts as RomneyCare, effectively outlaws true
health insurance. Insurance, if you think about it, should exist to protect
you against catastrophic expenditures. For example, car insurance doesn’t
cover the cost of gas and oil, as it would be outrageously expensive due to
the incentive for increased driving. Similarly, health insurance should not
cover ordinary and predictable costs, yet remains outrageously expensive
because it does.
“Then why do consumers continue to buy overpriced insurance that covers
predictable costs? Government. First, the senseless connection of health
insurance to employment is the result of a system that taxes cash wages but
not health benefits, punishing employees who would rather have higher cash
wages while making their own personal choice of health coverage.  Second,
special interests in every state have lobbied legislators to mandate
coverage for their particular product or service. Finally, regulation not
only drives up the cost of healthcare, but also restricts entry into the
field, leading to even higher prices.
“The result is this: if you want inexpensive health insurance, but don’t
want coverage for alcoholism, weight loss programs and baldness treatments,
and would prefer a deductible based on your personal finances: TOUGH. Even
if you’re not stuck with your employer’s choices, the type of individually
tailored coverage you want is illegal.
“Instead of ObamaRomneyCare, we need to decriminalize good health
insurance. Eliminate the coverage mandates, the laws against purchasing
health insurance across state lines, and the unfavorable tax treatment of
personal insurance policies. Remove the regulations that block entry of new
insurers, including charitable organizations which could provide
catastrophic protection for the poor and the club-based insurance policies
that were once popular before the insurance industry and American Medical
Association both pushed to make them illegal.
“As for contraception? Women shouldn’t need a permission slip from their
doctor to have safe sex. Removing the prescription requirement would
massively reduce the cost of contraceptives, making it far more affordable.
In turn, this would ease the burden on groups such as Planned Parenthood
that have long provided free contraceptives to those in need.”








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