One of the most consequential activities we pursue from the standpoint of health and safety is automobile driving. As a result, the government has passed numerous regulations that require safety features, from seat belts to intricate electronic control systems. These are not optional. The auto manufacturers must implement them, and they must do so in a manner that meets rigorous test standards. In many cases, drivers must use them. Disabling airbags, except under special conditions, is illegal. And in many jurisdictions, driving without attaching your seat belt can result in a stiff fine. You can’t choose a cheaper car that isn’t as safe because Big Brother says so. And if you are a highly skilled, youthful driver you can’t substitute your skill set for the mandated technology because … well, just because. There can be little doubt that all of this improves driving safety and has contributed to saving many lives, although it obviously adds a substantial amount to the cost of ownership.
Obamacare applies this logic to health insurance. It requires a full spectrum of care provisions that are very comprehensive and very protective. These are not optional, whether you want them or not and even when they don’t apply to your personal circumstances. So, men must pay for maternity benefits and everyone must pay for drug abuse counseling. The logic behind this is that bundling full services in this manner makes them affordable for those in real need. If you can’t afford such comprehensive protection, the government chips in with subsidies.
Don’t you think that it would be consistent, returning to the automobile case, for the government to use safety testing data to qualify car models for sale in the U.S.? Perhaps the top five models on the test scores each year would qualify. Actual qualifiers might change from year to year, but historically it is obvious that some brands would dominate the list. I suspect that over time all of us would be driving a Volvo sedan or something like that.
Consider this. We are spending enormous amounts to make automobile driving safer but nevertheless as many as 40,000 people died on our roads in 2016 and an estimated 4.6 million more were seriously injured, according to the National Safety Council. If you include all costs from this carnage, the NSC estimates that $432B was lost as a result. So, wouldn’t yet more federal regulation be warranted? Isn’t this almost comparable to the need that spawned Obamacare? So why shouldn’t its model be employed once again?
Where would this take us? Convertibles, for example, are so unlikely to qualify that no sensible manufacturer would try to make them for the U.S. market. If you don’t like or need a four-door sedan, well that’s just too bad. Many more currently optional safety features would become mandatory: lane assist, braking assist, 360 degree proximity detection, sonar-assisted separation control, drunk driver interlock, and so on. These would make cars much more expensive of course, but who can place a value on the lives saved? If you can’t afford this, then probably government subsidies will be needed, paid for by taxes on the usual suspects. I have little doubt that this would save many lives. So, not doing it, as they now say about repealing Obamacare, is tantamount to condoning mass murder.
I think you get the idea. Why stop at health insurance with this concept. And for that matter, why stop at automobiles? How about food too? Obesity is a terrible health scourge and it is getting worse in the U.S. every year. Shouldn’t we get those unhealthy foods off the market and apply stringent standards for what can be sold? It is true, I think, that this might be a bridge too far and might fall prey to the flaw that eventually killed the noble Volstead Amendment. It is very hard to prevent people from finding fatty, salt-ridden foods, and many avaricious criminals would be happy to serve this taste for the forbidden. Still, we could probably make it fairly difficult and expensive to achieve morbid obesity. Surely that would discourage some, and every life is valuable.
We could make life so much safer if we only follow this concept to its logical conclusion. Wouldn’t that be wonderful?