PLEASE, MR. PRESIDENT: Don’t Say “Health Care” When You Mean “Insurance”
Two days ago I expressed my general support for the President’s State of the Union Address, but one brief passage annoyed me deeply.
As he prepared to introduce the most publicized and innovative proposal of his speech, the President of the United States declared: “A future of opportunity requires that all our citizens have affordable and available health care.”
Mr. President, please! Don’t fall into the Democratic trap of using the term “health care” when you really mean “health insurance.”
In truth, all Americans already have access to “affordable and available health care”--- in fact, millions of us (including millions of illegal aliens, by the way) get their “health care” without cost. There is no evidence – none – that Americans fail to receive medical treatment when they need it and seek it. Our country boasts a gigantic network of overburdened emergency rooms, county hospitals, Medicaid, free clinics and other compassionate institutions that exist to provide health care to people who might otherwise be unable to afford it.
When Democrats rail about “47 million Americans without health care” it sounds like a sixth of the country doesn’t get to see doctors or manage to visit hospitals for necessary procedures. In fact, many (if not most) of that famous47 million pay for the health care they receive (what a concept!) because they’re in generally good health and they’ve decided that it’s cheaper to cough up the money directly to the docs than to fork over the funds needed for the “protection” of insurance. Some studies suggest that at least half of the uninsured earn family incomes of $50,000 or more – making it clear that they could acquire low cost, high deductible insurance if they chose to do so.
The President’s plan actually makes great sense as a means of encouraging such individuals and families to buy the insurance policies they might need to protect them from health catastrophes, while continuing to pay their own way when it comes to regular doctor visits and preventive care. For nearly all Americans, the tax deduction the administration proposes ($15,000 per couple) will save far money (because it’s also provides a deduction from payroll/social security expenses) than the cost of a high deductible insurance policy.
I know one family of five, for instance, where the yearly cost of catastrophic protection (despite the over-fifty status of both parents) comes to less than $6,000 a year, The tax saving through the proposed tax deduction – only available if one buys an appropriate policy – would more than cover the cost of such insurance. Rather than punishing those who don’t get insurance, the President’s plan rewards those who do. That’s usually a better way to encourage people to behave as the government wants them to behave.
Fortunately, Mr. Bush deployed the language more successfully in his speech after his initial, ill-considered, misleading declaration. “Many Americans cannot afford a health insurance policy,” he accurately observed. “And so tonight, I propose two new initiatives to help more Americans afford their own insurance.”
Here, he’s talking sense--- he speaks about affording “insurance,” not about affording “health care.”
As this debate unfolds, watch the way the Democrats distort this issue by referring to “millions with no health care” when they’re really talking about people without insurance.
Conservatives can’t stop lefties from playing such dishonest games with language but please, Mr. President, don’t make it easier for them by falling into the same pattern yourself.