The ongoing public debate over universal healthcare is one which started many years ago and will likely continue for many years to come. The key part of the debate now seems to be not whether government should do it or not, but rather how they’ll pay for it. What freedom-loving Americans should understand and make their congressmen understand is that universal healthcare is too expensive to the American public no matter what the cost.
Proponents of universal healthcare use the figure of “46 to 50 million uninsured Americans” as their key sticking point. They fail to mention how many of those people are uninsured by choice, or because of transitioning to new jobs and plan to renew coverage when their employer allows, or those who truly can’t afford health insurance (the group that is at the heart of the issue). In order to really debate the need for a government solution over private options we need to have an idea of how big that last group is.
The numbers break down like this (data comes from the 2007 U.S. Census Bureau report1, unless otherwise noted):
- 46 million (15.3% of US population of 300 million) total uninsured people in America.
- 9.7 million (21.0% of total uninsured people) are foreign nationals, some of which are here illegally but since the Census doesn’t ask if someone is here illegally that figure is unknown.
- Therefore, 36.3 million (78.9% of total uninsured; 12.1% of US pop.) are Americans.
- 17.04 million (46.9% of total uninsured Americans; 5.6% of US pop.) are those making at least $50,000 a year. These people make above the US median household income, meaning they should be able to afford insurance but choose not to have any.2
- 8.3 to 13.9 million (22.8 – 38.2% of total uninsured Americans; 2.7 – 4.6% of US pop.), according to the liberal non-profit Kaiser Family Foundation are ineligible for “current government programs and make less than $50,000 a year”3. A significant portion of this group are the chronically uninsured that are really the center of the issue.
1CNSNews.com- Physician Disputes Obama’s Claim of 46 Million Uninsured Americans (Retrieved July 27, 2009 from http://www.cnsnews.com/Public/Content/article.aspx?RsrcID=49986)
2Business and Media Institute- Health Care Lie: ‘47 Million Uninsured Americans’ (Retrieved July 29, 2009 from http://www.businessandmedia.org/printer/2007/20070718153509.aspx)
3Ibid. Note: Kaiser Family Foundation reference in the article.
Note: Mathematical errors in the figures above are due to rounding error.
Therefore at worst only 4.6% of the total US population, or 13.9 million people, are the true center of the insurance “crisis”. More likely, the numbers sit somewhere in the middle at about 3.65%, or 11.1 million people. That’s a far cry from the 15.3% (46 million) that Congress and the Administration quote daily. In case you missed that, let me repeat: The multi-trillion dollar healthcare reform plan being debated at best will help 3.65% of the 300 million men, women and children Americans. Less than four percent!
Because of this, another point that needs to be understood is that health care and health insurance are two entirely different things. The president has equated 46 million uninsured as meaning 46 million people who aren’t getting any medical care whatsoever. That is simply not true. Clearly the 17 million people who willingly choose not to pay for health insurance do so because it’s cheaper to just write a check for their medical bills for their doctor’s visits and emergency room visits, than to pay the insurance premiums. These people are getting health care, without having health insurance.
Ultimately, the cost is just too great to the American public in terms of actual money getting wasted and freedoms being taken. If you use Slate.com’s4 very pro-reform figures, the plan will cost $24 billion a year. This comes to $21,621 a year per person of the 11.1 million chronically uninsured. In 2008, the average annual premium for an individual was $4,700. For a family of four it was $12,700. The government plan would cost almost seven times as much per person (not counting the percentage of the $4,700 the company reaps in net profit) than the current private sector solution. That’s a lot of wasted money.
4Slate.com- Health Reform Can Pay for Itself (Retrieved July 29, 2009 from http://www.slate.com/id/2223213/)
Plus with all the care rationing the government wants to institute and will have to in order to meet plain-old supply and demand. There are too many stories to reference here dealing with this issue but please take some time to read about what care rationing looks like in the universal healthcare systems in Canada and Great Britain.
In the end, the numbers just don’t add up to making universal healthcare reform an intelligent government program. From the dollars and cents costs to the personal freedom costs the government’s solution will create, universal healthcare reform is too expensive at any cost.
Please contact me, if you wish to quote any of this or other articles for any research that you may be doing. I’m more than willing to give permission, I’d just like to know who’s benefiting from my hard work.