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Liberty and Democracy are not opposing ideas. The political center is where all change is made. Let's embrace reason and civility.

Monday, January 13, 2014

Single Payer is Good for Business

The Affordable Care Act (aka "Obamacare") attempts to provide universal health insurance through the private insurance industry, subsidizing premiums where necessary to cover as many people as possible with "affordable" private insurance. A much better plan called "single payer" wasn't even discussed when the health care debate began in 2009, the President himself declaring that single payer was "off the table".

Single payer simply means that the Federal government provides basic health insurance to all citizens. Another term for single payer is "medicare for all", easily enacted into law by changing the age of eligibility from 65 years of age to zero. Payroll taxes are completely unnecessary to fund it, just as health insurance premiums themselves would be unnecessary for most citizens under a single payer system.

The direct benefit of single payer is obvious, but the advantages to the private economy aren't as well understood. The fact is that single payer is good for business, good for everybody, and it's an easy solution to settle this health care issue once and for all.

Consider the advantages that a single payer system offers to the private, small- business environment:

First of all, health insurance would cease to be a factor in hiring and staffing decisions. You won't have to worry about what an employee's future health problems might cost the company, or what additional health insurance overhead might do to your labor costs when hiring new employees. They're already covered.

Second, other heavy insurance costs could be reduced or even eliminated. This includes the large portion of automotive insurance, general liability insurance in case somebody sues you for slipping on the sidewalk, workman's compensation insurance, and even product liability insurance, all of which would be greatly diminished or rendered unnecessary.

In effect, we can remove the burden of health care from business and workers alike under a single payer plan. America would go about its business without the fear of medical costs impacting their future. If you get hurt or contract an illness, you go to a doctor and you're covered. It's that simple.

And don't let people tell you that this is "socialized medicine". It's not. This plan relies completely on the private sector to provide medical services. Private insurance companies would remain to provide other types of insurance as well as vanity or supplemental health insurance to those who can afford it.

It's time to bring the single payer argument back into public debate. The idea has broad support from medical professionals, small businesses and the American public. Single payer is good for business and good for America. Let's get it done.