Aug 302021
 

One of the most amusing (if you have a sick sense of humour) things about the debate between fans of the current US system (devotees of privatised health care) and those proposing a more rational and efficient system, is the whole “I don’t want to pay towards the care of another”.

Once you get past the level of selfishness approaching a sociopath, and think deeply about how insurance – any insurance – works, you realise something. People with private health care insurance are already paying for the health care of others because that is how insurance works.

The insurance company sets monthly premiums at a level they calculate will leave them with profit after all the healthcare costs and overheads are taken care of. Most of the people paying those insurance premiums are unlikely to ever use up those premiums on their own health care; those premiums are going towards the healthcare costs of those who do exceed the total value of all the premiums they’ve paid. And of course to fill the pockets of the insurance companies.

So the next time someone objects to “socialist” healthcare by saying that they don’t want to pay for the healthcare of others’, just point out that they already are.

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