So Mitt Romney Has This Plan . . .

By Pejman Yousefzadeh Posted in | Comments (33) / Email this page » / Leave a comment »

It's the one that he implemented as Governor of Massachusetts and it requires people to purchase their own insurance. It has even been lauded by Democrats as perhaps the best vehicle with which to achieve universal coverage.

I'm not sure that the plan works as a vehicle for universal coverage. But it certainly does appear to work as evidence that market actors behave rationally. And rational behavior has caused Massachusetts's poor residents to realize that it would cost them less to pay the penalty for opting out of the state's mandatory health care system than it would to purchase insurance.

That bodes badly for the state's health care system, which never had a chance of working. Anyone want to climb on to this idea yet? It would work better.


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So Mitt Romney Has This Plan . . . 33 Comments (0 topical, 33 editorial, 0 hidden) Post a comment »

Romney transfered a large number of people to Medicare. Where does the federal government transfer people to - Canada?

He does have a plan. He has also said that he wouldn't force it on any state, but that he would give states greater lee way to experiment.

The other thing I will tell you is that people "out there" are hungry for these ideas. This is especially true for our ideallic twenty year olds (many of whom do have health care through their jobs) who can't understand why the USA doesn't have health care for everyone.

Oz

Read my most recent story, "The GOP race: My 2nd runner up -- John McCain" on First Cut Politics

The constitution does not allow for the federal government to be involved in health care. Romney wants to get it even more involved than it already has by interfering in the free market even more.

Ron Paul on the otherhand espouses a republican beleif that the feds should get out of health care and start turning it back to a true free market.

I think Dr Paul has a much better plan that Romney.

You've been told to do something, you see. Better get cracking.

The Fuzzy Puppy of the VRWC. I've been usurped!

I agree the gov't should stay out of healthcare, but it can't. ** The gov't already picks up the bills for the uninsured going to emergency rooms and receiving necessary care, so the gov't can either (1) get those people insured, (2) not treat them at all, or (3) continue to pay their medical liabilities. There really is no other choice except for slight variations of those choices. Requiring people to carry insurance (like all states require auto insurance) isn't ideal but is the cheapest route probably for health care.

Nothing is free, you and I are going to pay for it under any acceptable scenario, so we just have to figure out the least expensive reasonable way...requiring or subsidizing insurance is probably the most efficient solution at this point.

...for individuals and deregulating insurance markets (eliminating mandates for various forms of coverage) and creating a national market with lots of options for individuals.

“.....women and minorities hardest hit”

Making premiums tax deductible is just subsidizing health insurance. It will result in more people having it, but it isn't going to do a thing about health care inflation, except to make it slightly worse, as people will choose more expensive plans with better coverage.

Creating a national market for health insurance with no mandated coverage or other state regulations would be a very good thing, but I don't know that there is a constitutionally viable way for the Feds to simply shut out the states, who just love to micromanage health insurance.
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Underlying most arguments against the free market is a lack of belief in freedom itself. - Milton Friedman

If you agree the government should get out, then you should not follow it with we can't. We can, have in the past, should according to the constitution, and will if we elect Ron Paul.

Unfortunately, Mitt's plan had been terrible for MA from what I've heard from my wife's partners and my partners who have or were planning to practice medicine out in the Boston area. Coverage is poor, unpredictable, and expensive.

Much as expected, the only ones happy with the deal are the insurance carriers. If Mitt were to implement something similar in the industry as president, it would not take long and transform into a nationalized system to 'fix' the market failures.

Any plan built around insurance carriers is doomed to fail.

Well, the trick is that the way things stand today, decades of subsidies have left medical care way too expensive for most people.

Anything we do *today* has to involve some form of cost sharing, or people just won't be able to afford it.

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Let's nominate the Nash Equilibrium for President.

Insurance is a derivitive good. It manages risk that occurs in a market. If the market is badly skewed, fixing the insurance is only a stop-gap.

The real solution is to get The Federal Government out of the health care market entirely. Price the goods and services without a taxpayer-subsidized single payer having dominant purchasing power.

“The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men."

...and I wonder how much Romney had to just put up with due to the fact that the legislature could ultimately override him. The plan he has been hawking on the trail is tweaked from his MassHealth plan. I believe that he wants to make health insurance premiums and medical expenses tax deductible, and he wants to deregulate insurance markets so that people can but policies across state lines. Those two tweaks should go a long way in lowering costs. Glenn Hubbard, an economist whom I highly respect, worked with Romney on this, so I have reason for optimism. Personally, I like the Cato position, but having a platform of "anti-universal coverage" isn't going to fly when the media and libs have been demagoguing health care nonstop.

“.....women and minorities hardest hit”

A single-payer "Universal Coverage" initiative was well on its way to getting on the MA Ballot (perhaps as soon as 2006) and Romney decided to get out in front and propose a nominally market-based reform to stave-off the drive for a more, erm, government-based solution.

That it's not working is unsurprising. Where I believe Pej is being spectacularly unfair is that, well, what's the alternative?

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Diplomacy is the art of saying 'Nice doggie' until you can find a rock.

....in a place where the legislature is 85% Democratic, this is about the best alternative there is.

Truthfully, if states want to bankrupt their government with socialized health care, go for it. Just don't do it on the federal level. Tennessee tried it in the 1990s and it bombed, big time. TennCare, as it was called, was eventually thrown into the scrap heap.

“.....women and minorities hardest hit”

Great Point! I feel I've been barking up this tree for so long. Why do our politicians forget that people/corporations ultimately look out for #1 first and foremost?

Environmental Regulations and Penalties have had very little affect over the years in my state (Delaware = one of highest cancer rates) simply due to the fact that it's cheaper for the factories, plants, and refineries to simply pay a fine. It pisses me off because the Democrats in my state are able to "take a hard line on the pollutors" while at the same time using this ploy to essentially raise taxes and fees without a public outcry.

As a whole they are completely ineffective in changing negative behavior. The same thing was doomed from the start in relation to Health Care. When will Conservative Republicans understand that you can't force a horse to drink?

In regards to health care, every single Republican out there is talking about "our plan" and "their plan" and working to insure the "" "" uninsured "" "".

This is just like the recent Republican expansion of medicare with Prescription Drug Coverage, which screwed my grandparents out of an awesome prescription drug plan with DuPont. Now they have to live with the mediocrity of medicare. DuPont gave up their plan because the Government said they'd cover it.

Conservative Republicans need to get off this track.

And I'm all for the Anti-Universal Coverage Club.

Romney has ideas that are similar to Mrs. Clinton ideas. He just keeps them quieter and yells his conservative thoughts, of which there aren't many. Just because Romney was a Republican governor of Massechuttes doesn't mean he is a Republican. He is very much like Governor Schwarzenegger and he would be just like President Bush. Is that who we want as President? I think not.

Requiring people to purchase something is the first step in that thing becoming more expensive. If it's something that we HAVE to have, then where is the incentive for corporations to compete? Personally, I don't want health insurance. I live paycheck to paycheck, and I'd rather have food on the table than health care coverage. My auto insurance is expensive enough, and I only have the bare minimum that I need to be legal. (When I can even afford THAT.) And I've already put WAY more money into auto insurance than it will EVER pay me back.

There's no point in insurance, to me. Buying insurance is betting something will go wrong. I'm more optimistic than that. I'd rather deal with things as they come up. (I know, catastrophes happen and without insurance I may be up the proverbial creek, but that's my own decision.)

I really hate (and I do mean HATE) to say this, but I almost have to agree with the HWMNBN crowd in that there is nothing in the constitution that gives the government the responsibility over our health care. (In fact, I had a lengthly argument about this with a liberal friend of mine.) Government interference into healthcare will only lead to higher taxes, more corruption in the system, inferior service, unnecessary medical procedures, and prices that are way out of control, in my opinion.

Healthcare should be left to the state or, better yet, personal level. Take the government out of healthcare and let the free market reign. Once that happens, I will be purchasing healthcare coverage, because then the prices should be reasonable enough to afford.

Now, with all of that said, I know that that's probably an impossibility. The government has already been into the healthcare market, and once the government is into something, it's nearly impossible to get the government out because of all the people who are now so dependent on it.

So, the real problem for healthcare should be: how do we ween the American people off of their reliance on the government?

--
Marc Bublitz

I think we need a real republican, not this Mitt Romney or Rudy Guliani make believes. Lets see what a real republican would believe. (Taken from the GOP Web site)

"I believe that the proper function of government is to do for the people those things that have to be done but cannot be done, or cannot be done as well by individuals, and that the most effective government is government closest to the people.

I believe that good government is based on the individual and that each person’s ability, dignity, freedom and responsibility must be honoured and recognised.

I believe that free enterprise and encouragement of individual initiative and incentive have given this nation an economic system second to none.

I believe that sound money policy should be our goal.

I believe in equal rights and equal opportunity for all, regardless of race, creed, age, sex or national origin. I believe that persons with disabilities should be afforded equal rights, equal justice and equal opportunities as well.

I believe we must retain those principles worth retaining, yet always be receptive to new ideas with an outlook broad enough to accommodate thoughtful change and varying points of view.

I believe that Americans value and should preserve their feeling of national strength and pride, and at the same time share with people everywhere a desire for peace and freedom and the extension of human rights throughout the world.

Finally, I believe that the Republican Party is the best vehicle for translating these ideals into positive and successful principles of government."

Lets find a candidate who has consistently lived that oath. Can anyone name a candidate?

Who do YOU have in mind?

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Considering where the good doctor's head was, when practicing medicine, is it any wonder that the man has issues?

Just think that a true Republican should ensure that his favored candidate has the best record defending the Republican oath

We should probably rule out anyone who thinks it's the job of the federal government to, say, market shrimp, or anyone who thinks that returning to the gold standard would be a good idea. That might help us to cross some people off.

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The Red Sox Republican: Burkeanism, Baseball, and Sundries.

No, really a Republican needs to abide by his Republican Oath, including that part about "I believe that sound money policy should be our goal"

What "GOP Website" uses the British spelling of honor?

Let me try this a different way: Produce that response in your next comment. Failure to do so will tell me you want your account disabled.

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We are all heroes, you and Boo and I. Hamsters and rangers everywhere, rejoice!

Man, but yall are twitchy about those damn Ron Paul supporters, huh?

http://www.gop.com/News/Read.aspx?ID=4324

...spells the word "honor" correctly. It also fails to include text you suggest it does.

I'm waiting.

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We are all heroes, you and Boo and I. Hamsters and rangers everywhere, rejoice!

Not all of them, just the ones who demand to know what Rudy did with the gold.

“The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men."

I apologize. There seem to be several versions of this oath floating around. The previous was a posting from "Beliefs of the Republican Party", (taken because that is what came up during a google search of "I believe Republican", http://www.historylearningsite.co.uk/beliefs_of_the_republican_party.htm)

For Example, the Florida GOP site posts a version much closer to the one previously posted.

I assume that I posted a past version of the oath, as the current was posted in 2004.

The current Republican Oath is as follows.

"

I BELIEVE the strength of our nation lies with the individual and that each person’s dignity, freedom, ability and responsibility must be honored.

I BELIEVE in equal rights, equal justice and equal opportunity for all, regardless of race, creed, sex, age or disability.

I BELIEVE free enterprise and encouraging individual initiative have brought this nation opportunity, economic growth and prosperity.

I BELIEVE government must practice fiscal responsibility and allow individuals to keep more of the money they earn.

I BELIEVE the proper role of government is to provide for the people only those critical functions that cannot be performed by individuals or private organizations and that the best government is that which governs least.

I BELIEVE the most effective, responsible and responsive government is government closest to the people.

I BELIEVE Americans must retain the principles that have made us strong while developing new and innovative ideas to meet the challenges of changing times.

I BELIEVE Americans value and should preserve our national strength and pride while working to extend peace, freedom and human rights throughout the world.

FINALLY, I believe the Republican Party is the best vehicle for translating these ideals into positive and successful principles of government. "

I stand by my belief that we ought to determine the Republican character of a candidate by this oath, and the oath they would swear as President, "I do solemnly swear (or affirm) that I will faithfully execute the office of President of the United States, and will to the best of my ability, preserve, protect and defend the Constitution of the United States."

Oaths are such pressing measures of honesty and integrity, after all.

As a relatively new resident of the Commonwealth and a small-business proprietor, I have a few introductory comments on the Massachusetts Health Care Subsidy System. As a small business owner, I am required to carry health insurance coverage for myself and any employees of my business. I believe the actual threshhold is 11 employees, but we carry the coverage with just three because the penalties are significant and the out-of-pocket expenses are even worse.

We currently pay $1,700 a year to cover three people under Mass. Health. This does not include dental care. We also have significant copayments on whatever the plan managers deem to be "elective" visits: I recently paid more than $300 in copayments for a 15-minute local anesthetic surgery to have a small cyst on my neck removed. Without the insurance, the total cost for my 15 minute office visit (the surgery was performed while I was sitting on the end of the table in the dermatologist's office, and required four stitches) and the 30-minute assessment visit would have been about $2,000.

The costs for certain kinds of follow-up care are absolutely stratospheric. My mother was recently diagnosed with Type II diabetes and as part of her management regime she attended a course of healthy eating/living/diabetes management classes at a local hospital. That class was taught by a single instructor, with approximately ten students, and spanned several weekends. The billing for that to our insurance company worked out to approximately $400/hr/person (assuming everyone in the class was covered and their insurance was billed the same as ours was). I don't know how much that instructor got paid, but $3,500-4,000 an hour for a basic, outpatient, walk-in nutrition course sounds a little high to me. How about you?

We are some of the approximately 15,000 people who are subsidizing the medical industry and healthcare for the poor in this state. It's expensive. If I could save $500 to $700 a month in terms of my insurance costs, I would put that money *directly* into capital investment for my business: I absolutely need to lease or purchase some new equipment but I cannot afford to do so right now. There is absolutely no question in my mind as to where the money would go. I need a new sign on the front of my building. I need a third large printer. I need more storage. But if I do not write that $1,700 check every month, I will lose my coverage and get *still* get socked with the penalty, which is the plan's "stick."

Now, sure -- the doctors are competent and the care has been good. Rest assured that I am paying more than my fair share for it. My taxes are going up next year despite that. Massachusetts is turning into one of the only places imaginable where your business can do $250,000+ a year in revenue and yet you can still be living paycheck to paycheck, one account receivable away from having the lights turned off.

And don't get me started on the electricity costs in this state: we pay the 7th highest amount per kilowatt/hour in the nation. All of my equipment is electrical.

We pay $1,700 per month not per year. That's down from about $1,900/mo. last year because we cut some corners on our coverage to try and save a little money as we got the business started.

The odd part is that despite the exorbitant cost of The Plan, I do not entirely fault Mitt Romney for it, although I do fault him a little for being so proud of it. He should be more critical of it, to my way of thinking.

But I frankly do not think he had much choice himself in the way this "Plan" was written. He could have sat on the sidelines sucking his thumb and even vetoed it and the only thing that would have happened is that it would have been *more* expensive. That is why I object to calling it "Mitt Romney's Plan..." more than anything else. In reality, it is the Massachusetts Legislature's Plan, the Provider Subsidy Plan, and the Massachusetts Medical Industry Juggernaut Plan.

Mitt Romney is in a uniquely dissatisfying political position: he wants to appeal to people who would like to see their medical expenses go down, but he's the former governor of a state where that is simply *impossible.* It doesn't make for a very satisfying Presidential campaign, and gives people a lot of ammunition with which to shoot at him.

Personally, I'd like it if the governor refunded about $700 a month in my insurance coverage. That way I might have a chance of still being in business this time next year. But Deval Patrick isn't about to do that. He likes the plan, even more than Mitt Romney did.

 
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