Republicans Want to Torpedo the Insurance You Like Far More Than Obamacare Ever Will


Jon Chait notes today that to the extent conservatives have any kind of plan to replace Obamacare, their plans are generally far more disruptive to far more people. It wouldn’t just be one or two million people who have their plans canceled or suffer from rate shock, it would be tens of millions who would be forced to give up coverage they like. What’s more, contrary to a general preference for comprehensive coverage, Republicans almost universally prefer plans that dump huge amounts of risk on individuals:

The right’s dilemma grows more acute when you move from the general to the particular. Their argument is that Obama forces healthy people to pay higher premiums to pay for a bunch of crap they don’t want or need. Karl Rove argues in his Wall Street Journal column that Obamacare forces people to pay for “expensive and often unnecessary provisions.” And what provisions are these? Where is the medical equivalent of Bridge to Nowhere or scientific research on animals that Republicans love to mock? The problem turns out to be a requirement that “every policy offer a wide range of benefits including mental health and addiction treatment, and maternity care (even for single men or women past childbearing age), and cover 100% of the cost of an array of preventive services.”

This is a morally bizarre conception of what health insurance means. Most of us don’t need mental-health or addiction treatment. Some of us do. Some of us who don’t currently need mental-health treatment might potentially need it one day. You could have a system in which only people who need mental-health treatment pay for mental-health insurance, but then it wouldn’t be insurance anymore. It would be a system in which you pay for a doctor out of pocket.

I’ve identified the new “welfare mothers.” Are you ready? Mothers.

The whole point of insurance is to pool risk because you don’t know what kind of problems you might have in the future. Would it be better to allow people to choose from a menu of things they want individually, rather than simply covering everyone for everything and then spreading the cost around? That’s surely a matter of opinion, but most Americans don’t like the idea. They don’t like it substantively because it obviously promotes free riding, and they don’t like it emotionally because it just doesn’t smell right. When we sign up for employer coverage—by far the most popular kind of health coverage outside of Medicare—we all understand that we’re joining a risk pool. I’m paying for someone else’s maternity coverage. They’re paying for my blood pressure meds. We’re all paying for the possibility of some kind of catastrophic bout of cancer that we all dearly hope will be someone else’s problem. What’s more, we all understand that the benefits of employer health care are immensely unequal. A 50-year-old head of household receives benefits that are probably worth about $20,000 or so. A healthy 25-year-old single worker receives benefits worth about $4,000. Is that unfair? I wouldn’t say so, and Americans have voted with their feet for years in favor of this kind of system.

In any case, as Chait says, the most bizarre part of the current Republican screamfest is their objection to men being forced to pay for maternity coverage. Seriously? They think that the societal cost of carrying on the species should be borne solely by women aged 18-40? Young women should pay the full freight and the rest of us should give them a vote of thanks but otherwise tell them they’re on their own? That’s morally contemptuous, and I’m pretty sure that most of us understand that.

SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

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Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

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SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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