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Let us agree (how) to disagree

27 Aug 2007 03:36 pm

Says Ezra of my health care posts:

It relies on unproven and incorrect premises ("Most advocates of single payer, I think, care most about this justice claim. They may also think that they can make the system more efficient, but if one could somehow prove scientifically that a private system would be cheaper and better, they would still favor a public system as long as a substantial population remained uninsured); brackets the argument about efficiency then pretends it doesn't figure into reformer's claims; radically overstates individual culpability for illnesses; elides the fact that living a healthier life just means you die from something expensive later; mistakes an intergenerational compact (wherein each generation pays for the next, rather than making a one-time transfer) for charity; and appears to miss the fact that Medicare already exists, and so single-payer would not mean more resources would be transferred to the old, thus obviating the central point. And that's just a partial list!

It's hard to argue with vague generalities, but here goes,.

I could be wrong about the first claim, but if so, I would like to hear from a large number of single-payer advocates who will say that if the American system could be proven to provide higher quality care per dollar on average than other industrialised system, then they would be content to leave 40 million people uninsured.

The second claim isn't so; I don't pretend that efficiency doesn't factor into reformer's claims. I just left it off because health care is too big a topic to be attacked in one post. I have, as Ezra knows, in the past addressed efficiency claims; I will again in the near future.

But in health care, as with so many arguments, there is an annoying tendency on all sides to shift back and forth between arguments. One starts by arguing about morality (when is society entitled to take money from one group of people to give to another, and how much), and your earnest young policy reformers says "But what really matters is that it's more efficient!" Then you start to argue about efficiency, and suddenly your opponent says "But what about the suffering old people?"

This is not a good way to pick a health care system, or much of anything else. One should establish some first principles, and then use them to generate a health system which will hopefully maximise them. If you simply accept, as received wisdom, that a single payer system is either good or bad, and that people who disagree with you are immoral cretins, then there's not much point in our arguing.

But if you don't accept that then presumably the object of this discussion is (at least theoretically), not to simply find which argument is tactically most superior at the given moment to support your position; it is to establish the first principles and empirical data from which we will reason to a conclusion. And then try to reason to a conclusion.

Which is not to say that we will agree. Ezra and I will almost certainly not agree; we hold different priors about things like autonomy, individual rights, and government efficiency. Both of us have already reasoned to a conclusion from which, barring substantial new evidence, we will probably not budge. But we can at least flesh out our areas of agreement.

So that post was an attempt to establish, at perhaps unfortunate length, the first prior of my argument: that the old and/or sick are not entitled to get money from other people simply by virtue of being old and or sick. They may be entitled to get money for health care for other reasons: because they are needy, or because they were promised that care (or should have been promised that care) in exchange for joining the military. Or other reasons we might argue. But merely having aged, or gotten sick, does not in and of itself give you a moral claim on society; as I said in a prior post, Warren Buffet doesn't deserve to have my dry cleaner buy him health care simply because he is older and sicker.

That does not, as I think I repeatedly said, necessarily mean we shouldn't have single payer. It simply undercuts a particular argument in favor of single payer: that society has a duty to care for the sick, full stop. Society also has a duty to clothe the naked and feed the hungry, but we have successfully outsourced most of that duty to Green Giant and Calvin Klein.

But I am not claiming that this is the only, or even the main, argument deployed by advocates of single payer. I'm just trying to put it behind us, so that once we are talking about something else, I don't have to deal with someone saying "But . . . but . . . they're sick!." I am laying the burden on my opponents to convince me that the people we are helping are not merely sick, but also meet some other condition, such as need, that entitles them to the transfer.

I am well aware that Ezra and others are trying to make a sort of "Sick+" argument in favor of single payer. In order to help those who are needy, they say, we have to have single payer, because of problems with the way that medical markets work. I disagree, for reasons I will lay out presently. But I am certainly not under the impression that I have already refuted those arguments (at least not on this blog. I've just tried to map the boundaries of the dispute. Because I do, fairly frequently, have single payer advocates pounding on the table asking why I don't want to help sick people?

As for the rest of it, it confuses sufficient with necessary conditions (I don't need a lot of sick people to be very responsible for their conditions; I just need a few to be partially responsible, since in aggregate, the unsick are not at all responsible). The bonus random reference to healthy lifestyles is a rejoinder to another, different argument about cost-benefit analysis that I was not making.

It assumes an agreement about intergenerational compacts that I find dubious and do not share--to the extent that there are society-wide intergenerational duties, I think they run one way, from present to future, and involve a) conserving a common stock of resources and b) not bequeathing them debts. That means the government shouldn't run a deficit other than in times of war, and it also shouldn't promise expensive benefits to be paid out of the pockets of people who can't yet vote, or indeed breathe.

And it ends with a claim about Medicare that I've seen before, but which I find extremely odd. People don't magically start getting sick when they turn 65. The near old, those in their late fifties and early sixties, also consume a decent amount of care. Moreover, any single payer system I'd envision would cover nursing home care and prescription drugs and home health care workers, for which many seniors currently pay a substantial sum out of pocket. It's hard to envision how a single-payer system could fail to increase the net social transfer from young to old, though I agree with Ezra that that transfer is already large.

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Comments (44)

I think you keep having to reiterate yourself because you are only focusing on the responsibility of the government, which will of course lead people to talk about government's responsibilities.

First. Everyone has the responsibility to make sure they clothe themselves and their family. Everyone has the responsibility to fee themselves and their family. Everyone has the responsibility to care for themselves with sick and for their family (and be cared for by their family)

Second. Societies have a responsibility to care for those people in the first group that are unable to follow through with those actions.

This should never mean free (ie no strings attached) money a la Katrina debit cards or money checks from the government. It should never mean free health care (no strings attached).
There should be strings. There should be conditions.

Your point people need to take personal responsibility for themselves. After that they need to go to their families, after that they need to go to the government. You can't go to the government first, especially not in a situation where we all have on-going re-occuring costs.

If that's the case, why let's lets just nationalize the grocery stores. Every family gets groceries for free. Going hungry is more of a threat than getting sick. 10 days from now, 98% of us would be dead without food. 10 days from now 99% of us would still be alive without health care.

We have to focus on: personal/familial responsibility, ability to pay, and then government as a last resort. THAT is the morally correct way to handle it.

I have no idea what Megan means by "single payer". I know she regards it as evil, but I don't know if she's referring to the British medical system, the French, or the German, or, in American terms, the systems used by the US armed forces, Medicare, and The Commonwealth of Massachusetts.

As to her main question, I would not accept a system that left 40% of the population uncovered no matter how efficient it was.

I have to admit I'm at a total loss when it comes to what you ever were arguing and what you are arguing now. Here's the central point of confusion for me i this post:

You're saying we need to demonstrate the old and sick have need beyond being old and sick. But nobody can figure out why that needs to be proven.

I mean, if I'm sick, I need medicine, right? And these old and sick you're imagining -- they're getting help from the young and healthy in that the young and healthy put more into taxes for a hypothetical single payer system than they use, while old and sick people put in less than they use, right? And the reason the old and sick put in less than they use is that they need a lot of surgeries and medications, right?

So don't they need that money the single payer system is (sort of) giving them in the form of health care?

I mean, your basic assumption was that the old would be getting more money out of single payer than the young. Fine. But isn't the only reason that could possibly happen the fact that they need it more?

Well, part of the thing about discussions and taking part in them honestly is that you don't necessarily have the prerogative to legislate how they proceed.

Anyway, "establishing" "first priors" - such as your argument as to the inherent immorality of wealth transfers between social groups - which your interlocutors rightly dispute is a waste of time. That's exactly not the point of premises. Premises are supposed to be shared points of departure, not points of dispute.

If you wanted to actually lay out a convincing case, you might start by identifying what you take to be the problem with health care that the solution you are calling "single payer" is supposed to address.

Then you might lay out what you take to be the content of this thing you call "single payer."

Then (and only then) can you show why this thing "single payer" is insufficient.

Then, just to be, you know, constructive, you might lay out a viable alternative solution to the problem and show how the data supports that.

And, by the way, how is anyone supposed to judge your arguments if you don't provide data? So, maybe, you might provide an honest account of the empirical data, and show how it supports your particular critique at every relevant point. That would require doing the research, figuring out which numbers are credible, maybe running some alternative numbers to support your hypothetical solution.

Otherwise, you're just wasting everyone's time.

Oh, and you might want to tone down the pretentious pseudo-logician affectations in your writing, as well as avoid condescending to your audience. It's never a good way to convince anyone of anything, especially considering that you so apparently lack the position or knowledge that might justify that condescention.

I would not accept a system that left 40% of the population uncovered

Majority of Americans are "uncovered" by the Food Stamp program (I can't be bothered to look up its true name in governmental lingo). Not only they don't starve, they tend to be overweight.

You can pay doctor in cash, out of pocket. I tried it, it works! Of course, when many (most?) jobs come with significant benefit in the form of [partially] paid-for managed care "insurance" and this benefit cannot be recovered in cash, pre- or post-tax, no wonder those managed care providers corner the market.

Nationalized healthcare proponents prefer to not hear the proposals to fix what's wrong with existing system. They'd rather break what works.

From the orginal post:
"This is not a good way to pick a health care system, or much of anything else. One should establish some first principles, and then use them to generate a health system which will hopefully maximise them"

CS: your statement about premises baffles me.
The amount of traffic generated by this immorality topic would seem to make it clear that there are some fundamental points about which there is no agreement. It is logical(as opposed to pseudo) to lay the groundwork, in the form of premises, when you set out to work out a solution to a problem like healthcare.

I don't think this topic was intended to be a refutation of single payer on any other system.

I'm still waiting for a post where you describe exactly what you think the 47 million should do to get health care. Preferably one that doesn't involve a)them going into enormous debt, b)sucking it up, or c) "just get rich!".

I'm with Max.
Just because you don't have health insurance does not mean that you don't have healthcare.

That kind of false equation only confuses things.

What puzzles me here is the paradigm of old=sick and young=healthy. Where does this come from? There are many people who are old and healthy and many who are young and sick. There has been no documentation to show that this is the case. Instead we are shown a litany of anecdotes about how lifestyle choices promote disease. And old people who made bad choices are trying to steal from young people. Which makes this look more like theology than anything else.

Also lacking is any discussion of the mechanics of disease, just how people get sick. Since the 1850's, the predominant model has been the germ theory of disease. Judging by the comments here, the germ theory is news to a lot of people. What it means is microbes pass from person to person. The microbe attacks the person receiving it, causing illness. Modern medicine works by attacking the microbes.

During the AIDS Pandemic, researchers proved that Kaposi's Sarcoma, a cancer, was caused by a virus. Since then it has become clear that viruses do play a role in many cancer, if not in all. The head of the Cancer Registry LA told me that a virus is increasingly seen as part of lung cancer. Since being attacked by air borne virus is not a lifestyle choice but part of living, that is where this discussion should focus.

The question should be how do we deal with microbe caused illness? How do we protect ourselves from being infected? Bubonic Plague is a disease that strikes those in their 20's, 30's and 40's. So is HIV and 1918 Flu. There are probably more, so this old/young idea does not fly.

Maybe first you could define 'healthcare'.

Are sanitary sewers part of healthcare? Are water treatment plants part of healthcare? Are vermin reduction programs part of healthcare? These run very successfully as 'socialized' operations. Indeed a great deal of modern health is directly attributal to them.

It really would help to know just what 'healthcare' is and is not.

Martin -
Well, yeah, there are going to be disagreements about premises, and those disagreements do mean that that discussion can't take place between those interlocutors. Thus the statement that premises are "points of departure:" if you disagree with the premises, you don't go on that particular trip.

The point is that I can't even tell whether it's worth paying attention to anything Megan says about health care because I don't know what problem she thinks she's addressing, what in particular is problematic about it, or even guess as to what kind of solution would look good to her.

I can't even tell if I'm wasting my time.

An argument as to the immorality of the wealth transfers caused by a "single payer" solution to the health care problem doesn't count as a "first prior" under any reasonable definition. It's not a place to start a discussion for the obvious reason that that argument takes for granted. In fact, I have no idea under what circumstances I would agree or disagree with the argument, because I have no idea what circumstances it was meant to address:
Is the wealth transfer large or small? Empirically, what good and how much good would that wealth transfer do and to whom?
Is that wealth transfer even a credible response to the problem of providing health care?
What is the magnitude of the problem, what are it's moral and practical dimensions, what would a solution to that problem look like?
Is this discussion even taking place with a shared or compatible understanding of morality or, for that matter, of logic?
Do we accept the same sets of data as credible?
Do we have the same standards of proof using those data?

Is this entire discussion just a red-herring?

How could I tell?

I agree with Max in one respect. A national health plan will not be supported by the public if it turns out to be a haven for free-loaders. People who benefit from it must pay for it in some way. This could be accomplished by funding medical benefits from general tax revenues, assuming the income tax code is progressive. Alternatively, if universal coverage is obtained by using a Singapore style system of subsidized insurance, the subsidy should be be based on income. I agree that people who can easily afford medical insurance should pay for it, and I don't want people to get free care at emergency rooms if there's an alternative.

To return to my first point, I still don't know what Megan means by "single payer", and I'm beginning to think she doesn't know either.

I have never burned down a building - and yet I have my money going to subsidize the fire department. How is it moral that I, as someone who has never needed their services, am forced to pay for them?
Shouldn't the fire department budget be payed only by people in burning buildings?

There are a wide variety of services that people pay for yet never benefit from - I have never been a foster child, an orphan or a victim of domestic violence. My tax dollars go to help all of these groups. I have not left the country yet this year, and yet my tax dollars have gone to pay for the customs bureau.

And so on.

Do you think that the only "moral" form of government is one where you pay for services as you go? Even if that were moral - whatever you mean by that - its not very practical.

Oh, and if you want a moral argument about why one should care for the needy, try Confucius, Mencius and Jesus.

Megan, you continue to distort the moral claim.

Here is one version of the moral claim: All Americans, without regard to income or wealth, should have reasonable access to quality health care.

One way to fund the moral claim is through participation by all US citizens in a single, mandatory pool. (This is, I believe, what you mean by single payer.)

If rates are uniform among all age brackets, then you are correct that one consequence of implementing the moral claim through the single pool in this manner is that younger people will be paying for older people's care.

By attacking the upward shift in wealth, you have NOT attacked the moral claim; you have attacked one possible APPLICATION of the moral claim.

(Lawyers would call this the difference between a facial vs. an as-applied challenge.)

(Keep in mind that this particular complaint can be addressed by pricing the premiums/taxes by age, so that there is no generational shift.)

So let's clarify what you've (apparently) being trying to say:

1. Poorer Americans have no moral claim on richer Americans to help pay for adequate access to health care.

alternatively,

2. The only way to implement the moral claim that poorer Americans have adequate access to health care is so unfair that the immorality of the consequence outweighs the morality of the access.

I think you're trying to make point 2, but your writing has been less than clear.

Francis,

Without regard to most of your post I think 3 or 4 is closer to the mark:

3) Richer Americans have no moral claim on poorer Americans to help pay for their health care.

4) Older Americans have no moral claim on younger Americans to help pay for their health care.

Paying the medical bills of a septuagenarian billionaire with proceeds from taxes on 22 years old dishwashers doesn't seem "moral".

We are not talking about social contracts here.
That is a different thread.

cs,
I think that many of the questions you pose are worthy of their own thread at the very least. This thread does not address the big questions. I have not read all of the previous material but I believe that it is a direct results of Megan trying to shine light on her disagreements with Ezra Klein.

I find it fascinating how difficult so many posters have with keeping with focus us this thread.

The ad hominem attacks really make me scratch my head.

I think we have a dichotomy of morality here.

On the one hand, there is morality of mortality: who lives, who dies. What Jefferson & Co called "An Inalienable Right".

On the other hand, there is the morality of frugality: who shall pay. What Jefferson & Co called "Our lives, our fortunes, and our sacred honor."

- Everyone agrees that we need some sort of government to supply some services (even Libertarians and Anarchists; Anarchists just call the suppliers of services government by a different name, since it's "voluntary").

- As it stands, though, there is a fairly broad disagreement about just what level of services governments should supply, between Libertarians on one end of the scale and Communists at the opposite extreme.

- Some folks with plenty of money, who are able to purchase most services on the free market without assistance, think it is "Immoral" for them to have to pay, via taxes, for the services that others receive. Let those same folks face a situation in which they can no longer pay their own way - they get socked by a hurricane, eg - and they often change their thinking regarding the morality of government intervention.

- Said folks' thinking also frequently fails to take into account the kind of intangibles that Dalea mentions above in comments. Should my tax dollars pay to treat your sewage? Aristocrats of previous centuries held sweet-scented pomanders to their noses to disguise the reek of the lower classes, but on the whole I hope you'll agree that open sewers aren't much of a bargain. For one thing, we learned that open sewers didn't just stink; they carried germs, and those germs were remarkably egalitarian in carrying off the wealthy and the indigent.

- Like those open sewers, many of health care's moral choices are disguised, but still exist. For instance: No one is in favor of killing babies. But with substandard pre- and post-natal care, our infant mortality rate is abysmal by the standards of the developing world, with thousands of innocent babies dying within the first months of life. That's a choice we, as a society, have made.

- Which is not to say that there is a coherent moral argument for "Babies will die unless I take every dime in your savings account!"

- But the wonderful thing about state action is - it can pool the payments and pool the risk! It can take a modest percentage from your pocket and mine, and make sure in return that everyone in the country doesn't die. This is the point of insurance - risk pooling.

- In the days of classic shipping when insurance was first being developed, do you think the lucky merchant who never lost a ship went to the Rialto and railed against the injustice of having to pay good money that went into the pockets of his competitors? Or did he thank his lucky stars and happily make the next insurance payment?

So, back to morality. Let's try summing it up this way:

- If I take something from you and you get no benefit, that is stealing and immoral.
- If I charge you for a service, you receive said service (in the form of increased lifespan, better medical care that can be brought to market because of economies of scale, better public health that means you and yours aren't dying of epidemic diseases, and an overall prosperity that floats all boats) and instead of thanking your lucky stars that you live in a society where you never have to worry about wheezing out your last breath alone and penniless on the streets, you instead complain about how unfair it all is... that is just whining, and has nothing to do with morality.

com·pact (kŏm'păkt') n. An agreement or a covenant.

Can everyone please admit that the talk of an "intergenerational compact" is nonsense? I do not agree to it. Many other people do not agree to it. Therefore it does not exist.

Can everyone please admit that the talk of an "intergenerational compact" is nonsense? I do not agree to it. - Eli

Do you pay your taxes? They go to Medicare. So you do agree to it, just as I agree to the social compact on America's national defense even though I happen to think the Defense Dept. budget should be cut by 75%.

It's hard to argue with vague generalities...in health care, as with so many arguments, there is an annoying tendency on all sides to shift back and forth between arguments. One starts by arguing about morality ...and your earnest young policy reformers says "But what really matters is that it's more efficient!" Then you start to argue about efficiency, and suddenly your opponent says "But what about the suffering old people?"

What unbelievable blindness. McArdle is the one with the vague generalities who keeps shifting back and forth between moral and efficiency arguments. The problem is that she loses both arguments, and each time she loses, she shifts to the other one.

We keep trying to explain this: universal health care systems are both more efficient AND morally superior. In order to deny this, you have to make all kinds of weird and convoluted arguments to account for why it is that the results produced by the health care systems of every single advanced society apart from the US are so transparently superior to those produced by ours. In McArdle's case, her argument is even weaker than most, because she's arguing that the problem with universal health care is that young people shouldn't have to subsidize old people if the old people in question are not poor -- as if the US did not already have a vast government-funded system, Medicare, which does exactly that.

Ezra Klein has her number.

From Science Week:

1) Lung cancer is the number one neoplasm in the world, both in terms of incidence and mortality.[1] The incidence of lung cancer differs by geographic area, sex, age, and over time,[1,2] reflecting the effect of the underlying distribution and trend in use of its principal determinant, tobacco smoking. Although 80% to 90% of lung cancer cases occur in current or past tobacco smokers, only a small fraction of smokers (1%-15%) develop lung cancer,[2] depending on how much and how long an individual has smoked and the presence of other causes of lung cancer.

2) Clearly, because all lung cancers do not occur in smokers and the vast majority of smokers do not develop lung cancer, other etiological factors can independently (in the absence of smoking) or jointly (in conjunction with smoking) cause lung cancer, beyond the purely stochastic nature of the disease process. These factors include genetics (measured as family history),[3.4] arsenic exposure,[5] radiation exposure, and other environmental carcinogens.[2] Although genetic factors probably contribute in all populations, the contribution of other factors is population-specific. For example, in all areas of the world lung cancer shows a modest level of familial aggregation,[2] whereas only in specific environmental, occupational, and therapeutic settings do arsenic and ionizing radiation contribute to lung cancer etiology.[2]

I will attempt to post the link, hope the linkpolizei don't come after me.

http://scienceweek.com/2005/sc050128-4.htm

Martin,
I agree, to address any of the questions I raise would take another post, or, in fact, several, and that that isn't what she's trying to do in this post. Nonetheless, I don't see how any of Megan's responses to Ezra are of any interest at all until she gives some idea of the premises from which she's arguing.

Seriously: Megan's understanding of morality is one which doesn't contain the concept of "gratitude" as applied to intergenerational compacts - e.g. "to the extent that there are society-wide intergenerational duties, I think they run one way, from present to future." This is a radical divergence from a normal understanding of morality: ever since someone said "honor thy father and mother" we've had the notion that the young have a binding duty to look after the old, whether that duty was understood as being borne by the individual or by many individuals. It's actually had to describe how strange that view really is.

Nor does Megan's morality seem to admit of either "gratitude" or "charity," insofar as she doesn't consider "Because they need it." to be a prima facie sufficient answer to the question "Why should the young and healthy give wealth to the old and sick?"
I mean, it's one thing to say that it's not justified to steal a loaf of bread for your starving family - it's an atypical moral stance, but it's a defensible one. But it's another, far stranger, thing entirely to dispute the moral validity of a program which will have obvious and overriding positive benefits to all based on the interests of a very narrow class - most people would be content with a utilitarian justification, or a communitarian one, or any deontological view that ranks the prevention of human suffering above the prerogatives of possessing property. But not Megan. Again, this is a radically weird view of morality.

There's the reason to ask after premises: I don't understand how one can hold these positions and even consider the question of providing health care compelling enough to write about. Further, I don't understand why I might possibly care what someone who holds these moral views has to say about the desirability of one particular manner of providing health care over another.

Paying the medical bills of a septuagenarian billionaire with proceeds from taxes on 22 years old dishwashers doesn't seem "moral".

One assumes that any billionaire is paying a lot more in taxes than a 22 year old dishwasher does. It seems highly unlikely that there is more money flowing from the dishwashers to the billionaire than from the billionaire to the dishwashers. If the objection is that the billionaire's money is not going specifically to the dishwashers' health care, but to all sorts of other needs of the dishwashers (public transit, etc.), then one could solve this problem by making Medicare taxes just a part of the larger pool of taxes rather than a discrete item, so it seems less like a specific "bargain". Or one could take the more logical path and simply see the Medicare system as part of the social compact, as has been argued above. The argument that it's not the same as insurance since the money that will be paid out to you when you're old is not actually the money you paid in, but somebody younger's tax money, seems to rest on an incomprehension regarding fungibility. Sure, the government could change Medicare policy before you get old, meaning you'd get a raw deal. Then again, your insurance company could go bankrupt, or change its policies.

Having re-read Megan's series of posts, it appears that the core of her thesis is this:

I am laying the burden on my opponents to convince me that the people we are helping are not merely sick, but also meet some other condition, such as need, that entitles them to the transfer.

In a universal pool, it seems likely that the wealthy will, in fact, pay more than the poor. There will not be a transfer to the rich. Why?

1. Every year, some percentage of Americans will not pay anything into the pool. They include: the unemployed, the low end of the working poor, and retirees who cannot afford annual dues. The health care consumed by these people will necessarily be funded by a surcharge on those who can afford it, like Warren Buffet. (This is a surcharge we already pay through medicare and medicaid.)

2. Without a shred of evidence, I'll still bet that the wealthier tend to be healthier.

ps: Megan's notion that the sick aren't needy is bizarre. The sick by definition need health care. And whether in a universal pool or in a corporate sponsored pool, Warren Buffet will pay in his share.

One advantage of universal medical coverage is that it promotes preventive care. In the long run, I think it saves money. And I still don't know what Megan means by "single payer".

Apparently the point of this series of posts is to set out a set of first premises, as the first step in educating people on the moral structures of libertarianism. The point of first premises is that they are inherently beyond argument.

I think the moral value structures of libertarianism are not useful to the survival of society. They fail to address the complex relationships necessary at any time to insure the survival of individuals, and they fail to recognize the actual connections among people. Look at the barren descriptions on offer:

It assumes an agreement about intergenerational compacts that I find dubious and do not share--to the extent that there are society-wide intergenerational duties, I think they run one way, from present to future, and involve a) conserving a common stock of resources and b) not bequeathing them debts. That means the government shouldn't run a deficit other than in times of war, and it also shouldn't promise expensive benefits to be paid out of the pockets of people who can't yet vote, or indeed breathe.

The only reason we have doctors and bridges is that our ancestors built them. Megan wouldn't have a job if our ancestors hadn't built electrical systems. We have seed corn because we were given seed corn.

Megan says we need to "conserve" a common stock of resources, meaning this generation shouldn't use up all the oil without leaving the coal. And this she calls a first premise about morality. Ayn Rand would be proud. I call it jejune. Megan thinks we can reason from her first premises about morality to conclusions about health care. No doubt she can, and watching should be interesting. But insight doesn't come from rigid first premises. It comes from clear understanding of the actual relations among people, which aren't captured by this set of premises.

Sorry, the last two paragraphs are mine. No more html tags for me.

Stan: One advantage of universal medical coverage is that it promotes preventive care.

Why on earth would you think that? I'd believe that HSAs or some such would promote preventative care, or educated consumers would in any kind of system. The one thing universal medical coverage is guarenteed to promote is the expansion of the bit of the bureaucracy making the decisions about how to allocate healthcare money. The de facto long-term goal of any bureaucracy, or subset thereof, is expansion; any actual attention to its ostensible goals is incidental.

Paying your taxes is not agreeing to a social compact.

The transfer of assets is in fact based on income and not on wealth. So we still have the owner of a 5 million dollar home with little if any income having their medical bills payed for by a bunch of dishwashers.

What is "wrong" with means(wealth) testing social welfare???


Quote:
"We keep trying to explain this: universal health care systems are both more efficient AND morally superior. In order to deny this, you have to make all kinds of weird and convoluted arguments to account for why it is that the results produced by the health care systems of every single advanced society apart from the US are so transparently superior to those produced by ours"
---------------------

No - quite the opposite. Which is the whole point of the discussion.

Mike -
You have no idea of how close to the edge many people are in this country. People without medical insurance seldom have routine medical exams because they can't afford them, and they're not going to pay for major diagnostic tests. For example, a colonoscopy costs around $1000. You won't get one if you don't have health insurance, and your precancerous polyps, like the ones removed from George Bush can easily turn malignant.

On your second point, I can't accept your opinion of bureaucracies. How do you know what civil servants are like? How do you know what the long-term goals are of bureaucracies? I think you're arguing on the basis of political prejudice rather than any knowledge of the subject. All that you're doing is regurgitating Barry Goldwater's talking points.

Martin -
Regarding means-testing social welfare, I think there's nothing wrong with it. My favorite means of obtaining universal medical coverage is to subsidize private insurance for those who don't obtain it from an employer. The subsidy would be based on income, as reported on the previous year's income tax return. Plans like this are used in places as diverse as the Netherlands and Singapore. I think they'd work here. If this offends libertarian principles, so be it.

This is one of the most bizarre discussions of health care I have ever seen. Health care is not defined. The mechanism for payment is not defined. The concept of insurance and risk sharing seems not to be understood. There is no understanding of just what disease is and what causes it beyond some vague connection with age. None of these are explained. All there is is a concern about transfering money from one group to another.

My position is that disease is caused by microbes generally refered to as 'germs'. Healthcare works with people to get rid of the germs. The fewer germs there are around, the less my chances of contracting a disease. Universal Access to health care is a form of self defense. It is in my rational self interest for everyone to have ready access to health care.

Is it better or more 'moral' to have a situation where I save a few bucks while getting infected by somemone who had no access, which costs me a great deal of money?

And another thing:

I would like to hear from a large number of single-payer advocates who will say that if the American system could be proven to provide higher quality care per dollar on average than other industrialised system, then they would be content to leave 40 million people uninsured.

Once again we have this confusing conflation of "single-payer" with "universal" insurance, which was pointed out after McArdle's first post on the subject but which she still has not clarified. There's also a conflation here of "the American system" with "a private system". In fact, the American system has a huge public component (over 40%), and most non-American universal-coverage systems (Germany, France, the Netherlands, etc.) also have huge private components.

McArdle's point here is deceptive because it proposes a situation in which the hypothetical greater efficiency of a privatized system (here, misleadingly termed "the American system") necessarily comes at the price of failing to cover 40 million people. Yet it is impossible to understand how this could ever be the case. If, indeed, a privatized system were delivering higher-quality care per dollar than rival systems, then it should be trivially easy to go ahead and extend public coverage to those it leaves out -- since every rival system, including the largely private ones, already does that. It thus doesn't make sense to ask advocates of "single-payer" insurance -- let alone universal coverage more generally -- whether they are more attached to the efficiency claims, or to the fairness claims. It's too hard to imagine how the one could exclude the other.

I think that McArdle is suffering from a problem which afflicts a certain kind of contrarian intellectual: the instinctive assumption that on any issue, there are bound to be tradeoffs. She can't accept that the way the American health care system works at the moment is so inefficient and unfair (for patients, if not for insurers and some doctors) that moving to any one of a number of alternative foreign systems -- some single-payer, some partially private, etc. -- would make it both much more efficient and much fairer. There would be 'tradeoffs', sure -- especially from the insurance industry's point of view. But not from the point of view of citizens or patients.

Brooksfoe, I'm not trying to make an empirical claim about the relative efficiencies of the systems, or the necessity of leaving 40 million people uninsured. I'm just trying to establish a rank ordering of priorities, and what should be a fairly uncontroversial rank-ordering.

The de facto long-term goal of any bureaucracy, or subset thereof, is expansion; any actual attention to its ostensible goals is incidental. - Mike Earl

This is a religious belief which contradicts the real-world evidence. Police, for example, do occasionally pursue and catch criminals, and the U.S. Army actually fights wars -- even wins some of them. Similarly, Veterans Administration hospitals treat and cure patients -- far better, indeed, than the average private hospital in the US.

The evidence is that preventive care is more effectively pursued in countries with national health care systems. In particular, they do much better at encouraging frequent visits to primary care physicians to catch and treat health problems before they become serious. It's for reasons like these that the overall health of citizens in the UK is significantly better than the overall health of Americans, in every single income category. This is true regardless of what you think of British tertiary care. (Though personally, I'd prefer either a French or Dutch model for the US.)

martin: Do you actually reject the very concept of a "social contract"? Let me make this clearer. What you are arguing is that your individual disagreement with the way the elected government has set up entitlement programs means that you are not party to that social compact, and that if the compact does not include all the members of the classes who have concluded the compact, then it does not exist. That argument would have fit perfectly into a statement by a Black Power leader in the late 1960s, explaining why he had no reason to respect or obey United States law.

brooksfoe:

Oh, there's no denying that our current tax-system-mandated system of employeer-provided health insurance is also particularly unsuited to encourage preventative care. But it seems pretty clear that the peacetime military (in wartime, having people trying to kill you no doubt has a focusing effect) is frequently more interested in petty intraservice rivalries and buying gold-plated hardware than the tedious unglamorous business of training and equipping real soldiers for real war. I suspect if you look at police forces (and let's not get into public schools!) you'll see a similar tendency for them to become topheavy over time, with too many chiefs and too few indians...

Expansion of bureacracy has been a staple of managment studies for decades; you need some sort of feedback mechanism to prevent it. You may think oversight by politicians will be sufficient; I am rather more dubious of that.

Stan:
My favorite means of obtaining universal medical coverage is to subsidize private insurance for those who don't obtain it from an employer. The subsidy would be based on income, as reported on the previous year's income tax return.

I'm neither an economist nor am I well-versed in medical insurance policy, but I see a ptoentially huge problem with this. It seems self-evident that the subsudies would have to rise with the cost of health insurance. It seems to me, though this is certainly debatable, that the government would almost have to pay the private companies directly, to prevent individuals from using the subsidy for other things. Wouldn't this create a guarantee that private insurance companies would be able to sell basically as much as they want at any price they want? They raise prices, the government, by necessity, raises the amount of the subsidy. It becomes a massive form of corporate welfare. Capping the amounts of the subsidy defeats the purpose of making certain everyone -- everyone -- can afford health insurance.

Furthermore, what about people who are currently uninsured and chronically ill? Most private plans, as I understand it, will go out of their way to deny coverage for pre-existing conditions. What happens to people who are unable to find companies willing to insure them?

Mike Earl: Your examples lack materiality.

Megan, you just don't seem to understand that many sick people, or people with sick spouses or children, or people who were sick once, cannot get insured at any cost. Even if you're lucky enough to be insured, insurance companies frequently disallow pre-existing conditions or refuse to pay for treatment of a condition even if it comes up while you're insured.

You must have some kind of great insurance to be so blase about this. But hang on, hon. It won't last. Insurance companies are getting wilder and wilder, less responsible every year, even as they increase premiums to a ridiculous amount. So even if you, unlike most Americans, think your insurer is great, just wait. They will decide, as Cigna did recently, to pay only half of the amount for many surgeries. And surgeons, not surprisingly, are becoming reluctant to take patients with Cigna insurance. Hmm. So let's say you need surgery, and you have Cigna, and in your town all the surgeons have given up on Cigna? That's only one problem presented recently by our great health system.


Well, one thing we can pretty much count on... anyone who thinks we have a great health care system is going to change their mind eventually. So when that happens to you, Megan, when you come up against the insurance company or lose your job or (heaven forbid) get sick, will you write a column saying, "Boy, was I wrong?" Hope so. It's truly only a matter of time.

david:

Perhaps, but it was a response to someone else's comment that those same agencies demonstrated the effectiveness of government provision of services.

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I wrote this story to Legislators when I was 14 years old,and I want to share it with you.

I am 14 years old and I am a victim of medical malpractice. I am writing to the Congress and the Senate because you need to help the victims of medical malpractice. I was ill, my head hurt and my mom took me to the doctor. I had frequent nose bleeds and bad headaches. I think this started in the end of 1992 or early 1993. They said I was okay, and I remember one doctor was so mean to my mom and me; she didn’t even want to talk about it. She said it was all in my head, that I was okay. 1993 and 1994 were not good years in my life. I was unhappy. My mom was always sick, always in bed coughing, always going to CIGNA getting medicine, always too tired. My mom was not the same mom any more; my head hurt on and off, and I tired not to bother my mom as I could see how ill she was. She was always depressed, always crying, and always moody and coughing. I would yell at her to shut up at night and she kept us all awake, now I feel bad.

In February 1994, I was depressed, my head was hurting, and I took pills from the medicine cabinet, it wasn’t the first time I did this, but my mom was sick she didn’t even notice. Each time I took more and one day my mom came in to wake me up and I wouldn’t get up, I was too tired. My mom said that’s it, get dressed; we are going to CIGNA right away. I went there and CIGNA doctors saw me. They sent me to a mental health place and neither of these two places even knew what I had done. My mom walked me about and I told her what I ad done. Later that day she said how could she live if I died. My mom cried because she was so tired she blamed herself because she wasn’t doing enough. I made my mom a promise not to do this again. My mom called CIGNA and got upset about how they failed to see I had tried to kill myself, asking them what kind of doctors they were. My mom screamed so much they agreed to give me a complete physical. At the physical in early March, we complained so much about my head they agreed to do scans of my head. This went on for about two and a half months, one scan after another, and finally the doctor said I needed to have my sinus washed out, that was in the end of May. My mom asked if this was urgent, did it need to be done right away, the doctor answered it was not urgent. My mom said we would have it done in the summer vacation.

From May to August, my mom got very ill. She went to the doctor and they put her on disability for 6 weeks. In the middle of July, I had a dream that my mom had lung cancer and she was going to die. My mom got very upset when I told her this. By the beginning of August, my mom sent me to Ireland for one month to visit my grandparents. When I came back from Ireland in the end of August, our home was in an uproar, for 2 weeks CIGNA had refused to give my mom all her x-rays telling her they were lost. She had just got them and it showed she had the lung cancer for almost 2 years. My mom had an operation and 20% of her lung was removed. She had a carcinoid tumor. When my mom was in the hospital, the surgeon told my step-dad he was not well either. It ended up that CIGNA refused to release my step-dad’s records for 2 weeks. When they went to an outside doctor, CIGNA had been treating him for asthma; he really has a very advanced case of COPD and had something on his left lung like my mom had.

We went and got the records for all our family. When we saw mine, and we went to an outside doctor, after going outside doctors I know now what the difference is between a real doctor and a CIGNA doctor is, and I hope maybe one day I’ll get to tell you all about that. I had a problem where the bone was being destroyed, where the bone was pushing through the orbit, and the doctor said my eye would have been pushed out. I had my surgery at Cedar-Sinai. 1995 is not much better that 1993 as there seems to be no justice for all these things that CIGNA did to us. We want to get the laws changed so no one will ever have to suffer like this again. CIGNA abuses our family to this very day. They make my mom cry for hours and I hope you will let me tell you all about this too. CIGNA should also know if my parents die, where will I go, and what will happen to my brother and sisters? I’m an American, and when I grow up, I don’t want to live here. I want to move to where people are good and kind. I’ll move to Ireland.

Now I am 27 Years old. However it is pretty sad that any family would have had to suffer this way, and these crooks and swindlers escaped punishment in the State of California.

THANK YOU CIGNA GLENDALE

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