Saturday, August 29, 2009

Mandated Health Insurance

E-mail 7/17/09 to Congress:

I respectfully ask you to vote AGAINST ANY presently proposed health-care bills and all products of reconciliation in committee.
We have now in the United States sufficient access to health care for all people, including illegal immigrants. Present political discussion does not really involve access to healthcare. It involves a mandatory insurance program controlled by government.
In a word about insurance theory, the intent is for a pool of subscribers, who will reimburse a member in the event of a calamitous situation. Some types of insurance are justifiably mandatory, because they directly affect innocent persons. For example, a justifiable mandatory insurance is automobile liability insurance, wherein an innocent third person may be damaged and should have justifiable compensation.
Conversely, many insurances should be optional. For example, if I don't wish to carry repair insurance on my household appliances, I should be permitted to do so. Any breakdown of equipment would involve only me and my costs for repair. No one else is physically jeopardized or susceptible to financial loss.
Health insurance should fall into that same latter category. If a person wishes to assume the risk (self-insurance) of not carrying health insurance, he should be permitted to do so. It should not be a government mandate, which would be a denial of First Amendment rights.

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