Insurance Mandates are not Identical
The debate continues about benefits and costs of health insurance. Pundits and consumers alike agree that the comparison of the health insurance mandate to mandatory car insurance is not relevent. People have choices when it comes to car insurance. If they don’t want to pay for it, they don’t have to drive. The health insurance mandate, however, does not offer such choices.
We found an interesting editorial comparing auto insurance mandates and health insurance mandates that caught our eye:
“Although there are legitimate concerns about the rate of compliance with a proposed health insurance mandate, comparing it to the experience with auto insurance is flawed reasoning.”
“First, compulsory auto insurance is a state-by-state mandate, and the rates of compliance vary depending on how seriously a state takes the issue. In Mississippi, for instance, it took forever for the Legislature to adopt a mandatory insurance law in the first place, and the enforcement mechanism is still not as strong as it could be.”
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“The federal government, which would police mandatory health insurance, has an advantage over states when it comes to enforcement. It can set one national policy, rather than deal with regulations that vary state by state. It also has a huge club — the Internal Revenue Service — to dangle over the heads of the public and to assist in catching the scofflaws.”
“Furthermore, unlike auto insurance, which makes no allowances for the income levels of the purchaser, the main health-care reform plans being considered by Congress take into account income differences. They call for providing subsidies to people who truly can’t afford the full cost of coverage.” [ Read More ]
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