If you remove all data from partisan pollsters (Both R and D. I include both Fox and Rasmussen in this category), Obama's approval is still better than both his popular vote percentage and popular vote margin:

AND it seems like his approval is on an upward trajectory.

How Do You Solve A Problem Like Maria?

"...please sleep soundly knowing that despite the best efforts of my head my heart cries out for you, your voice, your body, the touch of your lips, the touch of your finger tips and an even deeper connection to your soul." - S.C. Gov. Mark Sanford (R) to his Argentinian mistress, Maria.

I find it quite odd that in just the past week or so, two top 2012 contenders have ruined their respective careers. Is this just a hint of the fallout to come? The first, Senator Ensign, was a stalwart against marital indiscretions and has called upon many to resign - including his colleague Larry Craig. Sanford may not have been so outspoken, but he certainly shows what he believes through his record - a 90% lifetime score from the American Conservative Union. In the wise words of Shakespeare: "Thou doth protest too much." Who's next?


I'll begin by describing, as I see it, the fundamentals and inadequacies of the market based private insurance system:

Companies - usually - need to turn a profit in order to survive the market. In the health insurance industry a provider must service a sufficient number of individuals (who each pay an equal nontaxable sum monthly) to cover the costs of operation and company employment in order to turn that profit. The problem with the system is that these companies are able to turn away individuals who live at excessive risk. This is kind-of like stacking a deck. The companies are guaranteed a profit because the majority of their clientel live healthy lifestyles and typically will not need to draw from the pooled monthly dues.

Unfortunately, the people who are left uninsured are disproportionately unhealthy risk takers or those that had prior conditions that health insurers refused to cover. This creates, through market based incentives, a two-fold increase the costs of medical care. First, because doctors and health facilities treat the uninsured that require medical attention when ill or injured, they must raise prices elsewhere to cover the costs of those operations or prescriptions in order to maintain a functioning business: remember, these are businesses also - they must profit or they risk closure or bankruptcy. Second, when treatment costs rise health insurers mimic that rise in order to maintain similar levels of profit. This creates a burden on the entire system: a perpetual loop of rising costs.

The solution, therefore, is to run health insurance as a not-for-profit organization.
Unfortunately, no private entity is ever going to do that. It then falls to the government to create such a system. A singular national organization will obviously be better than multiple, scattered, regional, smaller health insurers. This will allow everyone to get better care and care more often because the pool is substantially larger (this holds true even when accounting for the increase in individuals of sicker dispositions).

The organization should be run essentially the same way that a current business is run - excepting the practice of turning away potential costumers. The government should mandate that everyone purchase health insurance (not necessarily that run by the government). The government should also guarantee nontaxability when done through an employer and give a tax deduction if purchased personally (this will eliminate any discrepencies between employer purchases and individual purchases).

The health care industry excepting insurers should all continue to function as private market based entities that are regulated by government agencies. These businesses are logically meant to be for-profit. If one doctor gives better care than another, he should get more business than his inept colleagues. This should still drive innovation in medical care as well because a business that creates more viable treatments than other businesses will still make a bigger profit and will still outperform their competitors.

Next: how do we eliminate the profit portion of the government run entity? The answer in simply this: divide the end of the year excess (minus a certain percentage of that excess to cover any immediate or anticipated dues and costs) into checks made out to every individual being covered by the insurance. The amount to each individual should be indexed to the amount of money they drew from the pool to cover their medical expenses during the previous fiscal year. Therefore, someone who used a higher percentage of the pool than another will by reimbursed less than someone who used propotionately less of the fund.

The argument against such checks is this: someone might utilize the insurance less if they knew that their yearly check would be less because of it. Well, that is their fault. They had the insurance and they CHOSE not to use it... Behavior is not something the government should try and regulate.

Finally - a private health insurance industry should still be encouraged simply out of ideology. If a person, for whatever reason, does not want to purchase government run healthcare they should feel free to purchase it from their chosen insurer.

This is basically single-payer healthcare but with a few minor alterations...

EDIT: This system would potentially do away with both Medicare and Medicaid - ostensibly saving us billions over the next fifty years because fees and operations would be consolidated and there would be no overlap in the system.

EDIT 2: For those that are excessively poor and cannot afford to purchase the required coverage (remember that health insurance would be mandated) the government would issue a non-refundable non-taxable voucher that could be used to purchase insurance with any insurer (public option or not). If the recipient choses the public option, he or she would be exempt from receiving the end of year disbursement of excess funds.

EDIT 3: After a conversation with someone close to me who is of a different mind than me on this, I continue to support what I've written. I agree with Obama when he says that if private insurers truly do believe that they will offer the better and cheaper service, then they should not be afraid of competition with a public option. There could possibly be a few extra incentives established for people to chose a private option over the public option. How about this: if someone is getting their insurance through work (the payment for insurance is non-taxable at the moment), the business could possibly get a tax deduction equal to the sum being paid for all employees (this should be capped at a reasonable level). This will allow businesses to thrive by having extra money and will encourage them to pick the private option. The reason the public option needs to be there is as a back-up for those who can't get realistic or reliable insurance elsewhere.

EDIT 4: I also forgot to mention that I do believe that allowing people to buy insurance across state lines is a very good idea. This allows the pool to grow which in turn reduces the premiums that people have to pay to get their health care. It's a great cost saving measure. Notice that in my idea there are best of both sides: from Republicans I've taken a voucher to be used on the market, I've taken the idea that state lines must be opened, I've maintained that open competition must be there to ensure honesty and quality of insurance, and I've maintained that other facets of the health care industry - such as primary care, pharmaceuticals, hospitals, etc. - be kept solely private market based entities. From the Democrats I've taken the public option and maintained health benefits as tax free (notice that the people who have called for taking these benefits are mainly Republicans - McCain comes to mind...).

EDIT 5: Another point comes to mind... The argument over health care, as it seems to me, is not "will this plan save money"? It is instead "will this plan save more money than my opponents plan will save"? Well... If you know that both plans will save money, why not consolidate those plans??? Just stating the obvious here. We know that both sides plans will realistically save us trillions. Who cares if one plan is better than another, won't it save us even MORE if both plans are implemented?

How Fucking Sad:

In Support of Animal Equal Rights

I do not agree, but if there was anyone who could make such an argument it would be Peter Singer:

Normal adult human beings have mental capacities that will, in certain circumstances, lead them to suffer more than animals would in the same circumstances. If, for instance, we decided to perform extremely painful or lethal scientific experiments on normal adult human, kidnapped at random from public parks for this purpose, adults who entered parks would become fearful that they would be kidnapped. The resultant terror would be a form of suffering additional to the pain of the experiment.

The same experiments performed on nonhuman animals would cause less suffering since the animals would not have the anticipatory dread of being kidnapped and experimented upon. This does not mean, of course, that it would be right to perform the experiment on animals, but only that there is a reason, and one that is not speciesist, for preferring to use animals rather than normal adult humans, if the experiment is to be done at all.

Note, however, that this same argument gives us a reason for preferring to use human infants - orphans perhaps - or severely intellectually disabled humans for experiments, rather than adults, since infants and severely intellectually disabled humans would also have no idea what was going to happen to them.

Hate Crimes, continued

Well, after my post on my opposition to hate crime statutes, Andrew Sullivan decided that he to would venture into the subject after seeing an article in the Washington Times.

The GOP hysteria over this hate crime law, as opposed to all the others, seems obviously a case of prima facie homophobia. That bigotry obscures the serious case to be made that all these laws are unnecessary infringements on freedom of thought and corrosive of equality under the law.

The Washington Times:
Once homosexuals become a special class protected by hate-crime legislation, the back door is open to prosecuting those who speak out against homosexuality and same-sex marriage.

This touches on another reason for opposition: free speech. As much as I am against things like racism, homophobia, xenophobia, and other discriminatory attitudes, I would fight to the death to preserve that right for everyone - including those who would use such right to defame me. When we criminalize hate crimes, we are in effect criminalizing the speech they use when they commit the regular crime - the reason I specify speech is because that is the only true way that police can discern the intent of hate. This country is above that. I am opposed.

Jesus on a Plate

Doesn't this violate separation of Church and State? Charlie Crist - who reminds me of my high school Latin teacher - says no

Obama's Policy Support

Frequently, pundits are saying that Obama is personally more popular than most of his policies. I disagree:

An ABC poll shows that 3/4 of Americans favor reducing greenhouse gases - a majority even supports this STRONGLY, 2/3 favor normalizing relations with Cuba (perhaps an outcome of the meager positive developments in their policy), 3/5 prefer stricter levels of gun control, 3/5 also support granting illegal immigrants some form of residency (majority support exists across the political spectrum). The latest ABC poll pegged his approval at 69% - this is roughly equal to most of these positions...


Andrew Sullivan links to a very interesting article which quotes Barry Goldwater:

There is no position on which people are so immovable as their religious beliefs. There is no more powerful ally one can claim in a debate than Jesus Christ, or God, or Allah, or whatever one calls this supreme being. But like any powerful weapon, the use of God's name on one's behalf should be used sparingly. The religious factions that are growing throughout our land are not using their religious clout with wisdom. They are trying to force government leaders into following their position 100 percent.

If you disagree with these religious groups on a particular moral issue, they complain, they threaten you with a loss of money or votes or both. I'm frankly sick and tired of the political preachers across this country telling me as a citizen that if I want to be a moral person, I must believe in 'A,' 'B,' 'C,' and 'D.' Just who do they think they are? And from where do they presume to claim the right to dictate their moral beliefs to me? And I am even more angry as a legislator who must endure the threats of every religious group who thinks it has some God-granted right to control my vote on every roll call in the Senate. I am warning them today: I will fight them every step of the way if they try to dictate their moral convictions to all Americans in the name of 'conservatism'.

©2009 Fish & Chips | by TNB