To the People

The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or TO THE PEOPLE.

Monday, January 08, 2007

The Governator Calls for 100% Health Coverage

California governor Arnold Schwarzenegger called today for universal health insurance. It is a noble call, yet it ignores the fundamental problems that have caused the mess.

Namely, health insurers are regulated by 50 states and the District. In order to be able to offer insurance in any state, the insurer needs to meet that state's requirements in terms of minimum coverage. Special interests have lobbied the hell out of those states, so insurers are typically forbidden to offer anything but the Rolls Royce plan and still do business in that state. For example, 14 states mandate that IVF treatments are covered. The cost of IVF:
As the average IVF cycle charges are between $10,000 and $15,000, analysts have reported costs of about $35,000 per delivery in younger women, while medical costs per delivery are over $132,000 for women over 40.
The easiest, least intrusive way of bringing the cost of health insurance down dramatically would be to ease these mandates of minimum coverage and let people insure themselves as they see fit, as is done in housing and car insurance.