It has become inherently clear that the Republican majorities in both houses of Congress have zero concept of how insurance is supposed to work. Broadly speaking, insurance is a method of protecting one’s self from financial loss, and insurance can be an individual policy (such as a car insurance policy through a private-sector entity like State Farm, GEICO, or one of their competitors), a group policy (such as group health insurance plans provided by employers through a private-sector health insurance firm to the employers’ employees), or a government policy (such as the federal Old Age, Survivors, and Disability Insurance program commonly called Social Security). Likewise, health insurance is a method of protecting one’s self from financial loss associated with medical expenses, and can be an individual policy, a group policy, or a government policy. In order for insurance policies to be financially sustainable, those who do not need the benefits of the insurance policy in question must, by buying into the policy (which can be by paying premiums, taxes, and/or other means), effectively subsidize those who do need the benefits of the insurance policy in question.
The problem is, Republicans, who want to repeal most of the Affordable Care Act (ACA), don’t understand how a financially-sustainable health insurance policy works.
At a recent press conference, U.S. House Speaker Paul Ryan of Wisconsin bizarrely claimed that health insurance doesn’t work if healthy people have to effectively subsidize people people who are ill and/or injured:
…He even lost the suit coat and broke out the PowerPoint on Thursday. It was like watching something on cable access late at night, or a flop-sweaty rookie substitute teacher, and it was hilarious—except for the parts where people will lose their health insurance and die, of course. And this is what he said and, peace be unto Dave Barry, I am not making it up, either:
Paul Ryan said that insurance cannot work if healthy people have to pay more to subsidize the sick.
As if Ryan wasn’t far enough out of touch with reality, the person who legally represents me and several hundred thousand other people in downstate Illinois in the U.S. House of Representatives, John Shimkus, made the sexist motivation behind repealing the ACA publicly known in committee:
But Republican Rep. John Shimkus of Illinois took the cake on Thursday night when he questioned why men aren’t exempt from paying into insurance plans that cover prenatal care. “What about men having to purchase prenatal care?” the congressman said. “Is that not correct? And should they?”
Let me ask a similar question: Why should women have to purchase health insurance for prostrate cancer treatments? Clearly, men never need prenatal care, and women never need prostate cancer treatments. However, if only women had to pay for health insurance covering prenatal care, such a system, regardless of whether the public sector or the private sector were to administer it, would be financially unsustainable. The same problem would be the result if only men had to pay for health insurance covering prostate cancer treatments. This is because a large percentage of women will need prenatal care for at least several months of their lives, so it would be only women who never get pregnant effectively subsidizing those who get pregnant any number of times in their lives. Health insurance covering gender-specific health illnesses/procedures can only be financially sustainable if both men and women pay into a health plan covering prenatal care, prostate cancer treatments, etc..
While I’d never run for public office myself, John Shimkus may legally represent all people in the 15th Congressional District of Illinois, but a significant minority of voters in the 15th district, including me, understand that Shimkus doesn’t understand how health insurance works.