Tuesday, December 29, 2009

REAL Health Care Reform, Without Government Regulation

Outlined by The Humble Libertarian, true health care reform that lowers costs without any taxpayer dollars being wasted. Here is the crux of his argument...

The Solution in One Easy Step:

And there is such a way! The U.S. Congress merely needs to pass a bill prohibiting the states from requiring residents to purchase health insurance from within their state and according to state regulations/mandates.

The beautiful thing is it doesn't take a whole lot of words to say this, certainly not thousands of pages! It's a simple, elegant, and profoundly effective solution.

A Constitutional Health Care Reform

It's also Constitutional. Article I, Section 8 of the U.S. Constitution says Congress has the power to: "To regulate commerce with foreign nations, and among the several states, and with the Indian tribes. [emphasis mine]"

This Commerce Clause has been misused for decades as the justification for sweeping Federal powers that clearly do not fall under the scope of the clause.

In Wickard v. Filburn for instance, the Supreme Court ruled that even wheat grown on one's own land for one's own consumption can be regulated under the category of interstate commerce because it affects interstate commerce(!).

Yet in the instance of health insurance, we have a perfect example of exactly what the Founding Fathers wanted the Federal Government to be able to prevent states from doing- interfering with trade across their borders.

The Result:

If Congress were to pass this one piece of simple legislation on just a few short pages, it would create revolutionary changes in the provision of health insurance and grant millions access through more affordable prices.

If an insurance company in Connecticut charges too much or has a reputation for bullying its customers when they need coverage, then its customers can leave and buy insurance from a more affordable, less corrupt insurance company based in Nebraska.

He provides an example of how the current system fails people because of government regulation as well. THL does an excellent job of putting this into simple terms and showing that true health care reform can be achieved easily.

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