I made a decision when I was 19 that cost me more than $50,000. It's a decision that still affects what I do today, but it's instructive in the debate about healthcare, government control, and choices.
It was the Spring semester of my sophomore year in college. I had a full tuition scholarship at an elite school, and to be honest, my efforts in the second year had not been my best. I'd moved into a fraternity house while attempting an early morning schedule of classes, and the result was predictable - I missed a lot of classes. My grades started to suffer, and that was a real problem for someone on an academic scholarship. It all came to a head during finals - I took one final, turned in a paper, and had only one exam left - a course in Human Biology.
I slept through the exam. Well, that's not entirely true. I skipped the exam, as several of my brothers attempted to wake me, and I ignored them. That exam was worth 50% of my final grade, and by skipping it, I guaranteed myself the first and only failing grade of my life. I was not entirely self-destructive - I knew I could take the course over the next year, as I had plenty of credits and plenty of time to make it up. In fact, when I took the course the next year, I tied for the highest grade on that final exam (it helped to have taken the course twice).
If that was the extent of the story, the lesson would be you can learn from your mistakes, and sometimes correct them. What was left out was a letter I received one month after returning home. My scholarship had been revoked due to poor academic performance. It was shocking, but not surprising. The powers that be didn't bother with a warning, as my failure to even show up for an exam was clear evidence I was taking my scholarship for granted.
Through luck, through family, and through loans, I scraped together enough money to cover my last two years. The result was $50,000 in debt when I left school. I'm almost done, but today, I'm still paying for that one mistake, one morning when I was 19. That $50,000 would come in handy. If I had not lost my scholarship, that money could have been set aside, and I could have $50,000 in cash as a backup in case of catastrophic loss. If I or someone in my family had suffered hardship, that $50,000 could have paid insurance premiums, or hospital bills, or any number of other contingencies. But it didn't. It went to pay interest and principle to a series of banks and student lenders.
I don't beat myself up for it. It was an expensive mistake, but I can tell you the education I gave myself in the final two years was far superior to my education in my second year. I was paying for it, so I knew the value. And that $50,000 might have been lost in a business venture, or spent on entertainment, or lost in the stock market, so it's difficult to extrapolate too much from an event that happened back in 1993. That decision has mixed with thousands of others good and bad, but it serves as an excellent reminder that decisions have consequences, and in my case, one decision cost me $50,000 and an unknown opportunity cost.
Proponents of universal healthcare will tell you that we are all victims of circumstance, and it's not fair to deny someone medical treatments beyond basic care. If I lost my health insurance, and couldn't pay the premium, there is an element of tragedy, but now that you know a portion of my story, can we really say that I deserve to be taken care of by others who worked a lot harder and didn't make those mistakes? If you look at the totality of the money I've spent on electronics, alcohol, food, dates, vacations, casinos, or any of the other entertainment expenses since I entered the workforce, can you really say that if I can't make my premium payments today, that you should be forced to pick it up for me?
I pay my way now, and though premiums are high, I work very hard to cover my expenses, my student loan payments, and my health insurance premiums. I take time away from my family to work to provide for them. It's a choice. Every day that I go into the office instead of staying home and sleeping in, I'm making a choice to prepare for the future. Every day I go to bed at 9:00 instead of staying up and watching a movie or heading out to have a few drinks is a choice I make to be best prepared for the next day. Consider it a lesson learned from when I was 19.
Does the payment and treatment of our healthcare system need to be reformed? Sure it does. The system isn't fair to small businesses or individuals and it prioritizes treatments based on regulation rather than health. But Obamacare solves that problem by removing responsibility and consequence from the system. Obamacare unfairly punishes those who live responsibly and rewards those who take none. I make choices today because I know they have consequences. Obama's system removes those consequences from individuals and places them on the system as a whole. Doing so punishes the responsible and rewards the irresponsible. And that is a recipe for disaster.
The principle of pooling risk makes some assumption about good behavior by the majority of participants. If a group of 100 people buy flood insurance, the assumption is only one or 2 people will actually need it. If all 100 people are flooded, there is no way to cover all of the costs. In fact, if 5 or 10 people use it, the system breaks. Healthcare is expensive because eventually, almost everyone needs to use it. It's not so much health insurance, as healthcare cost management.
What is the consequence of having a fully government controlled healthcare system? Keep in mind while private companies will exist, they will have mandated premiums, profits, and benefit levels. The consequence will be loss of choice. Right now I can work and find a way to pay my premium to get the plan I want. My choice is limited by the state of Missouri, but I can pay for the 7 minutes to see a doctor plan or the 100% covered after a deductible plan. It's my choice, and my responsiblity. When Obamacare comes, that choice will be no choice - government mandates bills and premiums, which means I get one size fits all healthcare.
In other words, the consequences of your decisions will now become my consequences. That's a recipe for exploding costs and declining care. It represents a system doomed to failure from the start, and the only outcome is rationed care, starting with the elderly. Though some may mock the idea of Death Panels, the truth is no government can live off rainbows and unicorn oil promises forever. Faced with the choice, they will eventually have to start denying care to anyone whose life is no longer considered "useful."
Obama and the far left Democrats know this, but they lack both the courage and the honesty to tell us the truth. They want single payer, and they know it will cost more. Why can't they come out and say it?
That's easy. This isn't about healthcare. It's about control. The relationship between a citizen and a government that is responsible
for the health of the citizen is far different than the relationship
between a citizen and a government that regulates the system of
healthcare. Socialized healthcare is a huge lever to move public opinion. Every time taxes need to be raised, politicians warn of cuts to education, police, firefighters, and essential government services. They do this to scare voters into voting for more of their income to be taken. What happens when the government can control your healthcare? What happens when politicians can parade an endless number of children and elderly past the cameras to show how failing to raise taxes will lead to the death of the weakest among us? You know they will. Everyone knows this. It's not even a question of if, but when.
Government healthcare isn't about some moral duty. It's about giving more power to an elitist class of puffed up legislators who by virtue of being elected place themselves in the top 5% of all earners. If you want to be a slave to wealthy elitists who live off your sweat and tears, then you are no friend of this country or of freedom. I've taken responsibility for my actions - and continue to do so. I also accept that there are those who cannot take care of themselves, and I accept my burden to help them.
What no one who supports Obamacare can say is why I should have to take care of not just the weak, but the self-destructive, the indolent, the irresponsible, and those who refuse to take care of themselves or their families. That is the argument. No one takes a 250 pound unemployed man of 40 who smokes, drinks, eats fast food every night and parades him in front of the cameras. That doesn't play as well on the newscast.