Posted by
Tom Rand on Sunday, September 16, 2007 11:03:47 AM
Contracts are pretty simple things really; two or more parties agree on exchanging things. Each side gets something out of the deal. This is called consideration in legalese. When one goes to buy a soda from a vending machine for example, one enters into a contract with the vendor and the soda maker. You agree on a purchase price of X dollars in exchange for Y soft drink. The vendor agrees to provide the soft drink in consumable condition, for said price. The soda maker agrees that your thirst quencher is as advertised and not, say, ripple.
Being the basis of trade, contracts are required for capitalism to function. If there was no assurance that you would get the soda you wanted, would you still put money in the machine? Not likely. On the other side of the coin, do you think the soda maker and vendor could expect to stay in business if there wasn’t a payment? Impossible.
Contracts are also instinctual, really. Every right-minded person understands the concept of “no free ride.” After all, one cannot realistically expect to be given something that someone else has produced or will produce. It goes against that oft-used word of the left, fairness. “I demand to be given that soda simply because I am thirsty” doesn’t pass the fairness test at all.
Since the recent push for universal healthcare has been adopted, there has been a lot of talk about this need for fairness…the fairness of a caring society and the fairness to cover those less fortunate, for example. There has however, been very little talk of the fairness of demanding free coverage for some while it is paid for by others.
So, to make things fair, we must have a contract. Again, for there to be a contract, both parties must get something out of the deal. For those that get the medical coverage it’s simple; they get the health insurance. For those of us paying the bill, it’s a little more abstract. Our only consideration will be a healthier populace, some additional government employees (I’ll explain in a moment) and the promise that our money will be well spent. Granted, not a great contract but hey, we’re dealing with a government-run program here so one can’t expect much.
Here are some minimums to make a fair healthcare plan fair:
1) No smoking. Anyone that receives this service will be banned from smoking. No reason for someone to be playing Russian roulette with my money. Although smokers die younger—which is good for my wallet—they are unfortunately also high risks for very expensive heart and lung ailments.
2) No “risky” behavior. This includes but is not limited to motorcycle driving, driving without seatbelts, speeding or having unprotected sex. All of these actions are linked to at-risk individuals and cost billions of dollars a year which I shouldn’t have to subsidize.
3) No obesity. Although it seems the poorest among us are also the largest (how does THAT work?), being overweight leads to numerous adverse medical conditions that are mostly preventable. If one carries a few extra pounds, I don’t care but, if I’m paying for one’s healthcare, I have to.
4) Tie healthcare coverage to public service. So long as one receives ‘free’ healthcare, a certain number of hours of government service—say 20 per week (with childcare of course)—would be required…preferably in a clinic.
5) Private providers will not be mandated to service those on public healthcare; state-run providers will. This will keep the inevitable long lines and poor customer service from affecting those that pay their own way.
How these contract terms are enforced will require loss of personal freedoms and privacy for those insured of course. For example, monthly inspections to ensure a previous smoker isn’t abusing this free and fair service; a database of those insured that is tied-to the DOT to track speeding tickets; prior approval of any family additions to the family’s free coverage, are just a few examples.
As stated earlier, it isn’t the best contract in the world. But, given that some will get something for nothing while others pay for it, it’s a pretty good deal I think.
Take it or leave it.