Over the last couple of years, my family has been at fault for two automobile accidents. I got in a minor fender bender when a car clipped the side of my bumper as I was trying to pull into traffic. My daughter, being a relatively inexperienced driver, also had an accident. She learned it’s not a good idea to change a CD if your car is creeping forward.
No one was hurt in either accident, thank goodness. My daughter was in shock for a while, but after paying a $250 deductible for each accident and about a week of hassle, our cars were better than new. Our auto insurance rates did go up modestly. Clearly, we were not out of pocket the $5000 to $10,000 it would have cost to pay the full cost of these accidents.
Of course, the whole purpose of insurance is to protect you from major financial liabilities. Most of us would agree that insurance is perfectly reasonable, as most of us are not sitting on a pile of money to pay out a judgment against us if we were found at fault.
Still, isn’t there something more than a little socialistic about insurance? That’s what I am wondering after listening to conservatives, Tea Party and Republican activists talk about repealing “Obamacare”, assuming they get a majority in one or more houses of Congress. As best I can tell, they consider the legislation socialism, even though no public option survived in the legislation. A couple of things seem to be sticking in their claw. First, they really don’t want to pay for those who cannot afford insurance. Second, is their incessant mantra of “personal responsibility”. People should pay for their health insurance. If they cannot afford it, well, things are tough all over, Mac. Trust to luck, vitamins, five-dollar prescriptions from Wal-Mart and, most importantly, don’t get seriously ill. And if you do end up with some chronic condition, rather than send the bill to the government or those who are insured, host a fundraiser, get relatives to pay your bills, or just accept the fact that you must suffer more and die prematurely. After all, the dictate of personal responsibility is more important than anything, even if this means because of your inability to pay that you are subject to immense suffering and an early death. Your suffering simply makes us a stronger country!
Curiously, few conservatives, Republicans or Tea Partiers seem to object to uninsured motorists insurance that they pay as part of their auto insurance. Whether auto insurance is required or not, some drivers won’t buy it. Also, some people have such miserable driving records that no insurance company will sell them a policy. For you, the driver, the result is the same. If you are hit by an uninsured motorist, then unless the motorist is independently wealthy, you will pay the cost of someone else’s mistake. In other words, someone will have escaped personal responsibility!
Fortunately, the number of uninsured motorists is relatively small. The same cannot be said for the number of Americans without health insurance. At last count, some fifty one million Americans did not have or could not afford health insurance. That’s roughly one in six Americans. Many more have some insurance, but it is insufficient. Certainly some of the uninsured pay their medical expenses out of pocket, but more typically, uninsured Americans allow chronic conditions to develop because they cannot afford to treat them earlier. When driven by necessity, they run to our emergency rooms and receive essentially free care. As most of us know, the insured bear the cost of this care. It is added in indirectly to the cost of a health insurance premium. So if you have health insurance, you are paying for the uninsured whether you like it or not, albeit indirectly.
At least with auto insurance the cost of uninsured motorist coverage is usually itemized. This rarely happens with your health insurance premiums. The last statistic I read estimated that about eight hundred dollars of each annual health insurance premium went to reimburse hospitals for the uninsured. These costs contribute substantially to the cost of health insurance. Moreover, as the ranks of the uninsured grow, these costs escalate. In addition, both state and the federal government, principally through Medicaid, pay other health care costs for those too poor to afford health insurance.
A good Republican, Conservative or Tea Partier though should not have any insurance policies. Why? Because they believe that personal responsibility is a black and white issues; no shades of gray allowed. So you should not even drive a car, or see a doctor unless you know you can pay these costs out of pocket. Co-pays are socialistic in nature because they encourage you to take risks at someone else’s expense. So you need to first either inherit a pile of money or have to earn enough money on hand so that you can pay for all your costs out of pocket. (This also allows you to negotiate good deals with your doctors, who are inclined to give cash discounts.)
Republicans, think carefully because insurance defeats the whole notion of individual responsibility. It encourages you to get into auto accidents, to neglect your house maintenance and to hit the Country Buffet every day. If you knew you would have to pay a million dollar judgment or hospital bill out of pocket, of course you would be far more prudent. If you knew because of hitting the Jack in the Box twice a week you would not be able to afford your Lipitor, you would be eating salads instead.
So that’s my suggestions for everyone into personal responsibility. No more weaseling. Time to put your philosophy where your mouth is. Cancel all your insurance immediately and pay for everything out of pocket. Because surely if everyone did the same America would be a utopia, right?