Skip to main content

Second Thoughts On Health Insurance Reform

Speaker of the state House of Representatives James Amann has introduced a cautionary note into the discussion of universal health care.

"If you think we're going to conquer the world next year and get everybody covered,” Amann said, “it would be a miracle. I'm sure the governor would love to sign that bill. I think if we concentrate on the kids with a program we have called HUSKY, which is one of the best in the nation, improving that and creating more access and more prevention, we can at least conquer that [this] year."

State financed “universal health care” always presents problems involving unintended consequences. A federal universal health care program would drive insurance companies from the field; unable to compete with a compelled tax supported system, they would simply go out of business. This would present problems also, possibly for Connecticut since the insurance industry is still fairly strong here. For instance, how would we recover the taxes lost by the disappearance of one of Connecticut’s strongest industries?

But state financed "universal health care" presents a different set of unintended consequences. Once you create a state financed out of the box alternative insurance system, you are encouraging insurance providers to dump their problems into the box. You cannot prevent this without establishing a permanent regulatory structure that will monitor business and provide sanctions for companies that dump problematic clients into the box, and that requires regulations, penalties and additional staff to monitor compliance, all costly. Then too, if the insurance companies do not wish to be muscled by Connecticut regulators, they can always follow Allstate’s example and pull up stakes, moving into a more business friendly arena. Amann’s hesitation, before plunging off the cliff of a comprehensive state sponsored “universal health care” plan, is an indication that the legislature, dominated by Democrats, may be sensible of unintended consequences – which is good, because once you’ve opened the lid on the bottle and set the genie free, it’s just hell getting him back in.

It is said that Amman has a touch of the conservative in him; where he contracted this disease no one knows, certainly not from reading leftist bloggers or just out of journalism school quasi socialist political commentators. Perhaps it is ingrained. There is something in the atmosphere of the state that lends itself to caution and second thoughts. At first thought, robbing a bank is a relatively effortless way to acquire capital. But, on second thought, your mom would lose her respect for you; and, then too, the police do not always sleep.

Gov. Jodi Rell also seems to be somewhat blighted with the disease. One cannot imagine her sitting beside a guillotine darning socks while the heads of the high and mighty roll into the basket. Neither she nor Amann are revolutionaries – so called Big Thinkers, throbbing with subversive ideas. Rell’s opponent in the recent gubernatorial election, the estimable John DeStefano, Mayor of New Haven, was a Big Idea guy. He was returned to New Haven after presenting his program to the public in wearisome detail. That program included so called “property tax reform” and measures to insure the end of so called “sprawl.” DeStefano is now fighting crime in New Haven, where homicides are up over last year by 35%.

Sometimes it is enough to hold your ground – to do ordinary things well, which, come to think of it, might serve as an excellent definition of the conservative ethos. Radicals tear down the present shambles to the foundation and build up; conservatives improve.

In 1933, Henry Mencken wrote approvingly of President “Silent Cal” Coolidge: “We suffer most, not when the White House is a peaceful dormitory, but when it is a jitney Mars Hill, with a tin pot Paul bawling from the roof. Counting out Harding as a cipher only, Dr. Coolidge was preceded by one World Saver and followed by two more. What enlightened American, having to choose between any of them and another Coolidge would hesitate for an instant? There were no thrills while he reigned, but neither were there any headaches. He had no ideas, and he was not a nuisance.”

Not a bad legacy.

Comments

Anonymous said…
Insurance companies already operate much of Medicare, Medicaid and even HUSKY here in CT. The notion that govt. should pay for all of the healthcare in the country instead of just half of it that the insurance compnies would be hurt is just plain unfounded. There are lots of things wrong with UHC, which is not necesarrliy govt. paid for health insurance anyway if you understood the MA plan, but to suggest that the insurance companies wouldn't still play a role is just plain ignorance of how govt. health insurance works or doesn't work.
Don Pesci said…
I am commenting on a perfected federal universal health care system. That system need not, a union steward might argue, be administered by insurance companies. In a perfect system -- and why should anyone settle for less? -- insurance companies would be unnecessary middlemen; a UNIVERSAL health care program could be more efficiently administed by federal workers who would collect costs from tax payers and pass it along directly to health providers.
Anonymous said…
Why isn't anyone injecting into this discussion the fact that government's purpose is not to provide healthcare for the citizens? Does anyone remember what the purpose of government is at all?

Yes, private healthcare providers are in the mix when they are included to provide things like Medicare and Husky etc., and perhaps that is good for their bottom line (or not) - but I don't believe that providing UHK is government's responsibility.

Popular posts from this blog

The PURA soap opera continues in Connecticut: Business eyeing the exit signs

The trouble at PURA and the two energy companies it oversees began – ages ago, it now seems – with the elevation of Marissa Gillett to the chairpersonship of Connecticut’s Public Utilities Regulation Authority.   Connecticut Commentary has previously weighed in on the controversy: PURA Pulls The Plug on November 20, 2019; The High Cost of Energy, Three Strikes and You’re Out? on December 21, 2024; PURA Head Butts the Economic Marketplace on January 3, 2025; Lamont Surprised at Suit Brought Against PURA on February 3, 2025; and Lamont’s Pillow Talk on February 22, 2025:   The melodrama full of pratfalls continues to unfold awkwardly.   It should come as no surprise that Gillett has changed the nature and practice of the state agency. She has targeted two of Connecticut’s energy facilitators – Eversource and Avangrid -- as having in the past overcharged the state for services rendered. Thanks to the Democrat controlled General Assembly, Connecticut is no l...

The Murphy Thingy

It’s the New York Post , and so there are pictures. One shows Connecticut Senator Chris Murphy canoodling with “Courier Newsroom publisher Tara McGowan, 39, last Monday by the bar at the Red Hen, located just one mile north of Capitol Hill.”   The canoodle occurred one day or night prior to Murphy’s well-advertised absence from President Donald Trump’s recent Joint Address to Congress.   Murphy has said attendance at what was essentially a “campaign rally” involving the whole U.S. Congress – though Democrat congresspersons signaled their displeasure at the event by stonily sitting on their hands during the applause lines – was inconsistent with his dignity as a significant part of the permanent opposition to Trump.   Reaching for his moral Glock Murphy recently told the Hartford Courant that Democrat Party opposition to President Donald Trump should be unrelenting and unforgiving: “I think people won’t trust you if you run a campaign saying that if Donald Trump is ...

Lamont Surprised at Suit Brought Against PURA

Marissa P. Gillett, the state's chief utility regulator, watches Gov. Ned Lamont field questions about a new approach to regulation in April 2023. Credit: MARK PAZNIOKAS / CTMIRROR.ORG Concerning a suit brought by Eversource and Avangrid, Connecticut’s energy delivery agents, against Connecticut’s Public Utility Regulatory Agency (PURA), Governor Ned Lamont surprised most of the state’s political watchers by affecting surprise.   “Look,” Lamont told a Hartford Courant reporter shortly after the suit was filed, “I think it is incredibly unhelpful,” Lamont said. “Everyone is getting mad at the umpires.   Eversource is not getting everything they want and they are bringing suit. It was a surprise to me. Nobody notified me. I think we have to do a better job of working together.”   Lamont’s claim is far less plausible than the legal claim made by Eversource and Avangrid. The contretemps between Connecticut’s energy distributors and Marissa Gillett , Gov. Ned Lamont’s ...