The media is not saying what the Republican plan would be
for an alternative to Obamacare. But
Obama keeps saying that they do not have a plan. Republicans need to get a simple solution
together, unite behind it and start telling it to every media they can
find. It is time to get the republican
message out. Eventually the democrates
will win on this Obamacare and then America will "fundementally
transformed" like Obama said he wanted to see when he was elected in
2008. Please read this simple plan.
Dan Calabrese wrote this article :
I had never heard of John H. Cochrane before I read this
piece this morning in the Wall Street Journal. That was my loss. He
is a professor of finance at the University of Chicago Booth School of
Business and a senior fellow of the Hoover Institution, and he has a clear
sense that even most Republicans miss about what was really wrong with health
care pre-ObamaCare, and why ObamaCare was not the right solution at all.Better, Cochrane has a game plan for what to do once ObamaCare has collapsed:
Only deregulation
can unleash competition. And only disruptive competition, where new businesses
drive out old ones, will bring efficiency, lower costs and innovation.
Health insurance
should be individual, portable across jobs, states and providers; lifelong and
guaranteed-renewable, meaning you have the right to continue with no unexpected
increase in premiums if you get sick. Insurance should protect wealth against
large, unforeseen, necessary expenses, rather than be a wildly inefficient
payment plan for routine expenses.
People want to buy
this insurance, and companies want to sell it. It would be far cheaper, and
would solve the pre-existing conditions problem. We do not have such health
insurance only because it was regulated out of existence. Businesses cannot
establish or contribute to portable individual policies, or employees would
have to pay taxes. So businesses only offer group plans. Knowing they will
abandon individual insurance when they get a job, and without cross-state
portability, there is little reason for young people to invest in lifelong, portable
health insurance. Mandated coverage, pressure against full risk rating, and a
dysfunctional cash market did the rest.
Rather than a
mandate for employer-based groups, we should transition to fully
individual-based health insurance. Allow national individual insurance offered
and sold to anyone, anywhere, without the tangled mess of state mandates and
regulations. Allow employers to contribute to individual insurance at least on
an even basis with group plans. Current group plans can convert to individual
plans, at once or as people leave. Since all members in a group convert, there
is no adverse selection of sicker people.
What sets Cochrane's ideas apart from many Republican plans
is that it's not just about how you buy health insurance, but it's also about
changing the whole idea of health insurance so that it works in the way
insurance is supposed to work - as protection against risk, and not, in
Cochrane's words, as "a wildly inefficient payment plan for routine
expenses."
He also takes on the most frequently trotted-out lies of the
left about there being no alternative to ObamaCare, or even that ObamaCare is
some sort of necessary evil because there is no other way to fix the problems
that were inherent in the system. That's nonsense. Of course there were other
ways to fix them, and much better ways, but all Democrats wanted to do was
further sink the tentacles of the federal government into the economy - and
ObamaCare was a monstrous method of doing so.
The Republicans need to know how to really talk
intelligently about what needs to be done on the health care front. And the
Democrats need a clue. This offers many of them, if only they will listen.
