Stop Calling It That!!

According to the word experts over at Merriam-Webster:

Universal: 1 : including or covering all or a whole collectively or distributively without limit or exception; especially : available equitably to all members of a society [universal health coverage]

Now look at that. They even use the specific example of universal health coverage being available — equitably — to all members of a society. So if you have a problem with my definition of universal health coverage, please take it up with them. Very handy, those clever people at Merriam-Webster. The people over at the Associated Press are by comparison not so clever.

They printed an article today entitled California Governor calls for universal [healthcare] coverage . The people over at the International Herald Tribune make the same mistake! This is yet another one of those plans that calls for every citizen to get coverage or face the consequences; larger businesses will be required to buy policies for employees; the 80% of California businesses that qualify as “small” will be exempt; if Joe Average does not have coverage, he will be forced to buy it; if he cannot afford it the state will darn well help him buy it. In fact, the Chicago Triubune is most accurate when they call it Mandatory Health Insurance.

At least this program would cover all children under a statewide program. Remember, kids don’t have employers. But otherwise, this isn’t universal. One is forced to wonder whether the program will cover students until they finish high school, or whether 18 year olds will have to buy a health insurance policy.

First, 80% of employers are not required to get with the program at all. Think about that; only one out of every 5 employers will be effected by this in any way shape or form. The employees of the overwhelming majority of businesses are still left to fend for themselves. They are in good company, in the same boat as every contractor, every unemployed person, every self-employed person. All of these people will now be required to pay through the nose for an individual health insurance policy.

Second, although we must give credit for the fact that “insurers would not be able to deny coverage based or age or pre-existing health conditions”, that does not mean that insurers will be required to charge affordable rates. Nor does it mean insurance companies can’t charge a premium to cover those with chronic health conditions. The very people who would be most helped by an actual universal health coverage program will instead find themselves bled dry by premiums.

This plan may indeed cover everyone, but it will not be equitably available. It isn’t universal, unless of course you’re a kid. The biggest risk of this program and others like it is that someday, it will be used as “proof” that universal coverage does not work, when in fact all it proves is that forcing customers to participate in an unfair market does not work.

In closing: a net gain of 167,000 new jobs in December, which sounds great until you realize that the majority of them require an specific degree you don’t have and as for jobs you could get, “Factories, however, cut 12,000 positions and construction companies eliminated 3,000 jobs — casualties of the souring housing market and the struggling auto industry. Retailers shed just over 9,000 slots” (more on where job openings are here at least locally speaking); 2007 expected to be warmest year on record but remember that some people still think global warming is just a crackpot theory; What Does 200 Calories Look Like; is there a Zombie next to you right now?; Terry Jones on the value of human life in the War on Terror; and ok, you’ve finally got your dang iPhone, along with a MacTV. Where have I seen that before?