On Mandatory Insurance

16Aug/103

On Mandatory Insurance

I can think of several ways of answering this question, given the context of what's in "Health Care Reform," but I'm more interested in hearing your responses to Jerry Wilson's question in his latest insurance post:

The argument in favor of such a law rests, among other items, on the basis of not placing an undue financial burden on one party carrying insurance by another not carrying insurance. This ultimately translates into an undue burden placed on the insurance providers, but it is more than a little doubtful this fact often enters the consideration.

In this light, what is the difference between mandating everyone who drives carry auto insurance and mandating everyone who breathes carry health insurance? Assume for a moment the purpose of mandatory auto insurance is avoiding an unfair financial burden being placed on those who carry insurance, thus are charged higher rates than would be the case if everyone had insurance. Why? To cover the expenses of those with no insurance.

Why, then, is this not applicable to health insurance?

Dan Collins

Dan Collins is a dude who blogs. He used to blog elsewhere. Now he blogs here.

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maggie katzen
August 16th, 2010 - 17:46

commented there, but I guess it’s moderated.

no matter how “auto-dependent” a society is, one still has the option to not buy a vehicle.

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Mark
August 16th, 2010 - 17:52

A number of ways to go with this but the primary one is fundamental. The requirement to purchase auto insurance is fine as driving an automobile is a privilege; mandating purchase of health insurance or levying a fine for the failure to do so is an abuse of Constitutional limitations.

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Sara (Pal2Pal)
August 16th, 2010 - 17:56

I lost my health insurance in 2005 and was without any until May 2010. Not one person, other than myself, suffered because I did not have health insurance. Not a single solitary person.

Now, due to reaching an age where Medicare kicks in, I now have to pay $130 per month for health insurance and I still don’t use it. That’s a $130 month for something that the naysayers say I get for free. BS!

So, I decided to make use of this in July and went to the doctor assigned, he then had me running around to six other doctors, an imaging lab, and a lab for bloodwork, all to tell me what I had put down on my initial patient history paperwork. All BS!

So, last Friday, I spent $75 of my own out-of-pocket money to seek the advice of a doctor who specializes in pain management and within 20 min. he diagnosed the root of my pain problem, gave me a prescription (that I had to pay for out of pocket because it isn’t covered by the insurance) and a referral to a chiropractor, who is also not covered. I paid out of pocket $65 for the adjustment this morning and feel better than I have for years.

Tell me again why I should lose $130 a month income for the insurance that so far has done nothing for me and without it, I was costing no one a dime?

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