One thing can be said in behalf of the health-insurance overhaul currently shaping up in Washington: it has revealed the curious bedfellows that politics creates.
Congress almost certainly will pass a bill that compels every American to have medical insurance. If his employer doesnt offer it, hell have to buy it himself or be fined.
This justifiably offends everyone who believes in individual freedom. By what right do politicians order us to buy medical coverage? They say they have a good
reason: if everyone were forced to buy health insurance, the premiums would be lower for sick people, who file more claims than healthy people do. I mean no disrespect to sick people, but thats a lousy reason to force the healthy to buy insurance they dont want. In a really free society, force would be used only to protect innocent life from aggression. Keeping insurance premiums down falls short of that standard.
It turns out that a lot of other people think so too. In several states there are moves to block the insurance mandate. For example, in Arizona voters will vote on a state constitutional amendment to prohibit forced participation in any health-care plan. And the Los Angeles Times reports that a group of more than a dozen state attorneys general ... are exploring whether the mandate is unconstitutional. The Times quotes Florida Atty. Gen. Bill
McCollum: Its a tax on living. The newspaper adds that McCollum drew a distinction from the requirement that people buy auto insurance:
Drivers make a choice to own a car. Actually, car insurance is tied to the use of the roads, and even private road owners would have the right to admit only insured drivers to their property. Moreover, drivers are required only to have liability insurance; they are free to forgo coverage for their own cars.
So heres the odd bedfellows angle: while big-government opponents (and Republican opportunists) are gearing up to fight the insurance mandate, guess whos all gung-ho for it besides the Democrats: the insurance companies!
Savor that for a moment. For a full year President Obama and his congressional allies have bashed those companies as the devil incarnate: They wont cover people who are already sick; they cancel policies after people get sick; they impose annual and lifetime benefit limits; they resist paying benefits; they charge sick people higher premiums than healthy people and on and on.
No self-respecting health-care reformer would be caught dead in the same room with these nefarious profit-driven guys. Right?
Wrong.
The reformers have been in locked rooms with them regularly in what can only be called a conspiracy against the public. What unites them enough to overcome their few differences? The insurance mandate. Since the legislative process started a year ago, one element has been unquestioned: compulsory insurance. True, Obama opposed an individual mandate during his campaign for president. He needed to distinguish himself from his pro-mandate opponent, Hillary Clinton. But once Clinton was safely ensconced in the State Department, Obama came around. Dash the campaign promise.
Theres really no need to explain why the insurance industry has been eager to accept every provision demanded by the Democrats (except the public
option) including coverage for preexisting conditions, guaranteed renewal, and price uniformity regardless of health as long as the mandate is in the bill. Under a mandate the industry would have millions of new captive customers, mostly healthy young people who will pay premiums but make few claims. This will mean huge new politically derived profits. In economics, its called rent-seeking a form of privilege.
In fact, the insurance industry has only one complaint.
The penalty for not complying with the mandate is too low! We think theres more that [the legislation] needs to do, Americas Health Insurance Plans spokesman Robert Zirkelbach said.
Theres still a strong incentive for people to wait until they are sick to purchase insurance.
In other words, the insurance industry is willing to cover all comers if everyone is effectively forced to buy its product.
Freedom is trashed whenever reformers and the industry they seek to reform get behind closed doors.
Sheldon Richman is senior fellow at The Future of Freedom Foundation, author of Tethered Citizens: Time to Repeal the Welfare State, and editor of The Freeman
magazine. Visit his blog Free Association at