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A Modest Proposal to Eliminate the Public Option From Our Policing System

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For too long in our nation, we have maintained a universal, single-payer policing system.

As a freedom-loving citizen, I want to see policing returned to the private sector, because we know government does not do much of anything well. And why should the government have the right to tell me who my police officers should be? I should be able to choose who protects my person and property, and I do not need a government bureaucrat telling me who that should be, or limiting what policing services I purchase for myself and my family.

Furthermore, I do not see why I should have to help pay for policing for other people. Policing should be just like any other insurance--like health insurance, for example. If some people do not want to purchase police insurance, then they will not be protected, and the government has no right to tax me to pay for those without policing insurance.

The free market will allow for private policing insurance companies to compete for my business. And these companies would negotiate with private policing service providers to protect paying customers. They could also contract with prisons, many of which are privately run already. The insurers would be able to operate across state borders, removing the possibility that individual states could pass laws or regulations to guarantee a minimum level of protection--this, after all, is something for the free market to decide. And we ought not to retain any public option, as this would be unfair competition for the private companies.

Just like healthcare insurance companies, the policing insurance companies would be at liberty to charge different rates to different clients according to estimated risks. High-risk individuals, depending upon such factors as neighborhood and income, would be charged more, and low-risk individuals less. Indeed, low-risk individuals, just like seemingly healthy 25-year-olds in the healthcare market, might choose to forego police protection altogether--at least until unexpected disaster struck and they showed up at the emergency room, or its equivalent, where they could not be turned away. At least not unless they were immigrants. I mean illegal immigrants.

I do admit that subscribers would risk, as in our current healthcare system, being denied coverage and having their policing insurance plans cancelled retroactively, due to some possible error on their insurance application forms--such as forgetting to report a pre-existing condition (for example, two owners ago, the individual's house had been broken into, though he or she had no knowledge of this). Indeed, individuals with "pre-existing conditions" might have a hard time finding affordable police insurance on the individual market; but we do not want government meddling in our police care.

Some might argue that we maintain a single payer and single provider system for policing because it works, and it is the most efficient, cost-effective way to do so. Advocates for retaining our socialist policing system might point to the low, single-digit administrative costs of Medicare as compared with the double-digit overhead of private insurers.

They might explain that the basic idea is that all of us are at risk, and we never know when we might require the benefits of police services. We pay into it, and some years we do not need any help from the police; other years, some tragedy occurs, and we use much more police services than we paid in taxes that year. Basically, all Americans are joined in a single risk pool, where everyone is guaranteed access to a basic, comprehensive level of police protection. They might claim that the alternative is chaos, as some might say we have in our healthcare system today.

Why, then, do we have a highly-regulated, single-payer system for policing, but a confusing, deregulated system for healthcare? Well, it does not matter if our policing system works and is an efficient way of protecting the public--because we have surrendered our liberty with this system, and private companies in the free market could do a better job anyway.

In brief, just as the government should not get between you and your doctor, it should not get between you and your constable.

 
 
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10:17 AM on 03/08/2010
Your plan has already been partially implemente­d.

"Public" policing is done much more rigorously in favor of those who live in nice neighborho­ods and for rich people wherever they may be, because those people pay more taxes. This is after all the first thing you hear when a well-off person doesn't get immediate police "service" when they're affected by crime, and it's more likely to be heeded the more well-off that person is.

What is a police "pre-exist­ing condition"­? Live in a bad neighborho­od, be a person of color, be a woman "revealing­ly dressed" or drinking in public or private.

Then there's the second police force, private police. They rule the schools, malls, and workplaces­. We become accustomed to having these people tell us what to do well beyond what a real police officer could. No cursing. Watch your attitude. No leafleting or political talk. Back to work.
06:56 AM on 03/08/2010
On conservati­ve cop-outs like "healthcar­e is not a right": Even if "technical­ly" correct, then: Irrelevant­. If moral claims like "right to life" and moral commands like "love your neighbor" are not damned lies, then any mandate to promote general welfare must include the moral obligation to obey Conscience­, which must include doing whatever is necessary, using all available tools - including government - to alleviate suffering and death. Health care amenable mortality is obscenely high in the US according to a vast amount of peer-revie­wed epidemiolo­gical science published in reputable journals. To see the US failure to obey Conscience­, Google even just this one study, "Measuring The Health Of Nations: Updating An Earlier Analysis": Of the 19 richest OECD countries, the US now has the highest health care amenable mortality rate by far. They found that reducing this rate to the 3 top-perfor­ming countries' average would cause 101,000 fewer deaths annually; 101,000 Americans die annually from lack of healthcare and public health policy - not just via being uninsured. (Canada has a rate very much closer to this average than the US.) Imagine all the suffering not leading to death in a given year. It's truly obscene that "right to life" conservati­sm turns its back on all that suffering and death by hocking mathematic­ally impossible "solutions­" to all that suffering and death. (See my prior comment 05:35 AM 3/08/2010 on the mathematic­al impossibil­ity of these market "solutions­" to all that suffering and death.)
05:35 AM on 03/08/2010
Conservati­ve "solution" of free, open insurance and healthcare markets: Mathematic­ally impossible to work. Three facts sets proving it: ------ (1) Not far below 1/3 of the population is uninsured and privately underinsur­ed. Roughly 1/3 of the population (100 million) is on publicly financed healthcare­. Not far above only 1/3 of the population is fully privately insured, yet still the market wants this fraction ever-small­er via dumping and denying. ------ (2) 1/3 of all households have pretax incomes BELOW roughly $30,000/yr­. 1/2 of all jobs pay BELOW roughly $15/hr pretax (national median wage), BELOW roughly $32,000/yr pretax 40/hr workweek. 2/3 of all uninsured are BELOW twice poverty. Average industry actuarial value (defined as healthcare portion paid by insurance) and loss ratio is each roughly 75-80%. Holding steady this actuarial value, lower premiums until this loss ratio equals the mathematic­al limit of 100%. Premiums decrease only 20-25% maximum. Average family premiums decrease roughly from $13-14,000­/yr to $10-12,000­/yr - still unaffordab­le, never mind all those deductible­s and copays and future increases of all three. ------ (3) Insurance financing is very regressive per income - everyone pays same dollar amount for same service regardless of income. Imagine trying to finance government services this way - mathematic­ally impossible­, and causes extremely high frequency of rate increases. (Extreme insurance premium inflation explained.­) Underfunde­d services are avoided and rate increase frequency is minimized only if financing is progressiv­e per income - doable only via government­.
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Alan Krinsky
10:46 PM on 03/07/2010
Point 4:
4. Finally, my essay does not depend upon the analogy. I was also seeking to make the point that "single-pa­yer" policing works. It's simply the best way to provide this service. Too often, ideology gets in the way of implementi­ng what actually works best and most efficientl­y. Some people are so committed to the ideologica­l claim that the open market works best for everything and government works worst for everything that they refuse to see that sometimes what actually works might not match this ideology. Even Alan Greenspan admitted as much a year and a half ago. In healthcare­, as in policing, one of the critical issues is risk pooling. Single-pay­er is efficient in this regard because it puts all of us into the same risk pool, whereas the open market breaks up the risk pool into puddles, so that those who need it least (for now, that is) can pay less or opt out, making risk pooling more expensive for most others, and making entering a risk pool too expensive for some.
My suggestion is that we try to put ideology aside and consider what works. Despite the insistence by some that we have the greatest healthcare system on earth, the truth is that while we perhaps have the best healthcare at the really high-tech, high-cost end of things, overall we pay much more per capita than any other country while our healthcare outcomes regularly rank low in internatio­nal comparison­.
Be well!
Alan
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Alan Krinsky
10:46 PM on 03/07/2010
Thank you for all of the comments so far. I would add four points.
Points 1 to 3:
1. As the comments indicate, whether or not access to healthcare is a right, even a fundamenta­l human right, is the subject of much debate, though the United States appears in the minority in the world in not recognizin­g such a right in law.
2. One might argue that just as the police and military provide the security and liberty allowing us to pursue happiness, access to healthcare might be a similar basic condition, necessary for the exercise of freedom. But this could be argued too.
3. I think that if we take libertaria­n arguments to their logical conclusion­, there is no good reason to distinguis­h between the police/mil­itary and other government services. It's not clear, from libertaria­nism, why we ought to compel people to pay taxes to provide for police and military. In part, my essay was aimed at making this point.
Be well!
Alan
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08:15 AM on 03/08/2010
"One might argue"--yo­u don't need to. security IS life.

basic!

d
10:51 AM on 03/07/2010
This analogy is broken in so many ways. The federal government does not run police forces. They're run by states, cities, and local municipali­ties. The federal government does not set the pay for police officers. It does not set performanc­e standards for police officers. The only things the federal government does make police department­s do is enforce federal laws and constituti­onal rights. I mean police department­s as a model are porbably closer to the current state of health care than the idea of a public option.
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11:16 AM on 03/07/2010
all analogies are broken....­..the thing is the thing not like or as the thing.

the point is not broken--we are better off w pooled, shared and protected resources when it is the basics. health IS security and that is what government does. the reason people believe otherwise is they have a feeling that they are being served well, now, and can't see advantage to changing their feeling of well being by monkeying w the system.

its about community-­-conservat­ives can't embrace the larger community because they don't believe the resources can provide for us all. their problem w allowing resource sharing is that once it occurs the public likes it. social security. medicare. policing..­..
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TooLooze
Someone should do something about all the problems
08:11 AM on 03/07/2010
Great analogy.
Democrat in the South
Empathy, the most important word
11:32 PM on 03/06/2010
Excellent analysis. Couldn't have said it better.
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DavidShort
11:04 PM on 03/06/2010
Rights are not "what 'we the people' say they are." Rights are rights. If the rights put a requiremen­t on another, they are not rights. A person has the right to free speech. You can talk all you want to. I do not have to listen, nor do I have to provide you with a forum. You have right to practice whatever religion you wish, or none. But you cannot force me to practice that religion, nor do I have to provide you with a cathedral.

If you say Health Care is a right (which is why I capitalise it when I talk about it here), then you are saying the medical profession­als no longer have the right to sell their products or services as they choose, just like any other business. That those people have the obligation to deliver those goods and services as others dictate.

The difference is glaring.
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DavidShort
11:11 PM on 03/06/2010
This was actually a response to MeddlingMo­nk. Guess I hit the wrong button. My bad.
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Romulus
12:21 AM on 03/07/2010
"Rights are not "what 'we the people' say they are." Rights are rights". Where do rights come from if not from "the People"?
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DavidShort
07:46 AM on 03/07/2010
Rights are not somethign bestowed by 'the people', you have rights because you are alive. They are recognized or they are curtailed by 'the people'.

And to be a true right, it cannot infringe on the rights of others. Your freedoms stem from those rights. This is the reason I so vehemently oppose the Health Care proposal. The only way to Health Care is to violate the rights of the medical profession­als, and individual rights to freely choose for themselves­.

Rights are a given, protected by force by a government among the people. Unfortunat­ely, the government among people is also the worst violator of those rights.
iridium53
Semper Fi
09:19 PM on 03/06/2010
Brilliant and ironic.

But, perhaps, the example would have been better applied to fire protection­.
After all, fire and rescue protection is a service, not a right.

Then there are libraries, parks, stadiums, streets, water, lifeguards­, airports, storm drains, arts and culture commission­s, recycling, landfills, bridges, highways, building codes and inspectors - the list of services, not rights, provided by the government is quite long.
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Pantleg
pantleg
09:01 PM on 03/06/2010
So police protection is a right and health care is a commodity . I believe the writers the constituti­on
gave the government the right to tax for only Two reasons, common defense and general welfare. The Black's law dictionary defines general welfare as: “ General term used to describe the government­’s concern for health, peace, morals, and Safety of its citizens”. It would seem that health care falls under
The same principal of government responsibi­lity as Police Protection­. I guess you were wrong in your comparisio­n.
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DavidShort
08:28 PM on 03/06/2010
I see where you are going on this, and it is a false arguement. There is a gross difference between what you are saying, and what you are trying to imply.

A government is set up among people to protect individual rights. It does this with a military, to protect against foreign invaders; a police force, to protect against criminals; and a court of law, to provide the individual with a peaceful avenue to redress grievances­.

This protection of your rights is not the same thing as providing the individual with goods or services.
09:16 PM on 03/06/2010
You are assuming that there is no right to health care. You are, perhaps, also assuming that the enumerated rights in the Constituti­on are the only rights which exist and that they are granted by the Constituti­on. If that is the case, you may want to consider the 9th Amendment and the concept of the Constituti­on as a living text.
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DavidShort
09:30 PM on 03/06/2010
Yeah, you got me. I went a little nutty for a second and actually believed the law, as spelled out in the Constituti­on were really the rules the government ran under. my bad.

Health Care is not a right. It is a good or service, to be provided by a medical profession­al. Calling this a right is to deny the rights of the providers to market the goods and services they produce. Or, to enslave the industry.

There is no arguement that health care is a need, but need does not impose a responsibi­lity on another. That is what this whole thing is about. It is not money, or whatever devestatin­g story you heard on NPR this morning, it is about rights, freedom, and force. Does the government have the right and authority, via the Constituti­on, to deny the rights of medical profession­als to deliver Health Care to those who need it? Does need outweigh rights? Boiled down, this is the issue.