quote:
For example, I assume you'd be okay with if it everyone got free, high-quality health care, and it cost each tax payer 10 dollars a year. But probably wouldn't support it if it cost everyone $20k a year. Where's a suitable tipping point? $1000/year on average? $100? $2000? $5000? Roughly speaking, what would cost would be acceptable?
katisara:
If it cost EVERY tax payer something? Well that steals some of my thunder, because we know under the current system some tax payers pay a lot more than others.
Ultimately though, we can reduce this to basic finances. Odds of needing such care * value of such care gives us a precise number. On the flip side, we have the cost 'per' taxpayer. If it were a flat tax, this would give us a clear cost/benefit analysis, and we could say for certain 'well, it costs $1,000 to get into the system, but it's effectively saving you $1,500'. That would make sense. However, it'll be a progressive (code word for socialist ;P) tax, so some people will be paying $0, and some people will be paying $20,000, but everyone would be getting $1,500 of value from it.
This is true. But keep in mind that it's also how our current system works. Some people (ie, healthy people) pay lots of money but get nothing out of it, unhealthy people pay the same amount, and get lots out. Any kind of health care is going to be a case of some people paying for others. Also keep in mind that in the current system, the rich are
already paying way more for it than the poor are. It's just that the poor get nothing (and pay nothing) in the current case.
katisara:
At that point it starts to be a little unfair, and how unfair depends on how much pressure is put on people.
I'm pretty sure it was you who brought up that there's nothing in the constitution about things being fair. ;) More seriously, though, taxes, by their very nature are unfair. Even a flat tax is unfair, in the sense that rich people still pay more for the same services (even it's the same percentage of their income as poor people are paying).
katisara:
If we have one guy responsible for paying $10M, and everyone else pays $1, that's unfair even though I'm probably not that one guy. Saying he's rich and therefore he can spare it isn't a valid argument. Someone may have a lot of kids, but that doesn't mean he has any extra, or he may have a big house but he won't appreciate your letting random people sleep in one of his bedrooms.
How do we calculate the cost to these people? That's pretty tough. How do we translate the value of $1,000 to someone who earns $55k/year to the value of $1,000 to someone who earns $550k/year? If we figured that out, we'd have a method of determining what's a good value.
I think you need to take into acount that a rich person probably values their health (in dollar terms) than a poor person does. If you're making $550k/year, you're probably willing to pay much more for your health than someone who's making $55k/year. $20k for an elective operation? May seem reasonable if you're making $550k/year, but perhaps not if you're making $55k/year.
I agree that determining how much is 'reasonble' is a non-trivial problem, but I think not imposssible. Say it costs on average $3k/year for good health care (I'm taking this number out of the air, but I think it's more than the current amount spent per person in the US, which is already higher than anywhere else in the world--even places with socialized medicine). If the 'average' person is taking in, say, $30k/year (again, just making guesses here, trying to be conservative with them), that's 10% of income devoted to health care. Would a 10% of income tax be fair, do you think? Would 5%?
This is in terms of a flat tax, and you're right that it'd more likely be a progressive tax. Are progressive taxes, in your view, always unfair, or are they ever appropriate? If it's always unfair, that might be more the issue than the health care itself.
quote:
Do you consider it [federal student loans] a violation of the consitution?
katisara:
Depends on how the seed money is acquired. It isn't a service that's explicitly supported by the constitution, but I don't think it's explicitly disallowed either.
I thought everything not explicitly listed was said to be forbidden. Whatever the case, though, you're okay with student loans, which is the point. The benefit outweighs the costs, so it's okay. If the benefit of socialized health care outweighs the cost, then it seems like that should be on the table too, is my point.
katisara:
Assuming we have a character who simultaneously is of limited income, suffers an injury through no fault of his own, but is unable to find legal recourse for such a thing, didn't have the foresight for appropriate insurance, or the insurance cheated him somehow or isn't providing services, the fellow is honestly trying to better himself through education and doesn't qualify for any other form of financial aid, loans from family, etc. then yes, this person is the unlucky fringe case who owes a lot of money. But at least he has reasonable options, can still make a difference, and maybe he can't afford night school now, but in six or eight years, he can take a whack at it again. No one said life is fair, and it's certainly not easy.
Okay, this highlights my point very well. This is a situation that no one wants, but you're willing to tolerate. A good person doing the right thing, but slipping through the cracks. Unfortunate, but them's the breaks some times. Alternatively, people in favor of socialized health care say "no, we don't want this person to slip through the cracks. We should do what we need to help them work their way up." When conservatives say "but that will let other people get a free ride!" they reply "well, them's the breaks. We can tolerate that unwanted situation." Those in favor of the socialized health care don't want anyone who's doing everything right to get left behind because of a bad roll of the dice, and they're willing to let some people who aren't doing everything right to take advantage of the system, if that's the only way to make it work. Those opposed want to make sure no one abuses the system and gets something they don't deserve, and they're willing to let a few good people doing the right thing to fall by the wayside from time to time if that's what it takes to make sure no one abuses the system.
katisara:
Let me say, I don't think anyone is against the government giving out hand-outs per se. What they're against is the government using taxpayer money to give out hand-outs. So it isn't that conservatives want to limit who gives hand-outs, but rather, who is required to pay for them. If they're paying for them, they want a say in that. I think that's fair.
I think it's a valid point, too. But what I'm trying to say is that even though that's their motivation, they tend to phrase their arguments as if they're oppose to any and all handouts, fullstop. They tend to say things like "if you give people handouts, they won't work for it!" And then they turn around and pay for their child's college tuition, indicating they don't actually believe what they've just argued.
katisara:
Your phraseology is like how Heath (I believe it's Heath) made some statement about liberals wanting more taxes, and you corrected him saying that's not their goal, but how they do it. Conservatives don't want to stop hand-outs, but they want control over their money. If congress-people set up their own hand-outs from their salary using the gov't as a vehicle, no one would complain.
Yeah, that's what I was trying to say. They don't actually want to stop handouts, even though they speak as if they do whenever these things come up. I don't think we have to scroll very far up this thread to find examples of this. They don't actually want to stop handouts, as you say, but they speak as if they do.
katisara:
So it's not even 'don't take what's mine' but, if you must take what's mine, I want a say in how it's used, and I want to make sure it's used appropriately.
Which is a valid point. Now if we can just get people to phrase it that way!
katisara:
You did go to college, right? Did you live on campus? Meet college students? Who was more productive, those who were paying their own way in loans or out of pocket, or those who were getting their tuition paid by someone else? Which group was more likely to get a job and which was more likely to play beer pong?
Yes, I did go to college, did live on campus, and did meet plenty of students. Granted, it was a small, private school in a rural area, so my experience might not be representative. But I didn't notice any strong correlation between productivity and paying/being paid for. Productivity seemed more an issue of what social group/other interests people had. Even more than that, though, I didn't see much correlation at all between productivity and job-getting. When I look through the alumni magazine these days, and see who's doing what, I'm over-and-over-again flabergasted at who's become a doctor or lawyer or state representative, or whatever. I keep thinking "
That guy?! you've got to be kidding me!" My friends who paid for college don't seem to be doing any better or worse, on average, than those who had it paid for by their parents. Like I said, I'm not sure my experience was representative, but from what I saw, it was more an issue of personality type than who was paying that determined people's productivity, and something else entirely (I'm not sure what) that determined what kind of job they ended up in.
katisara:
Heck, just speaking for myself, basically my entire paycheck goes into shelter, food, clothes, medical costs, costs associated with going to work and soon will include education costs for my children. I don't have cable because I can't afford it. I brew my own beer because I can't afford to buy beer. I have a computer I can't use because I don't have the space in my budget for a used monitor for it. I'm going to stop driving to my gaming group because gas is too expensive. I have as of yet to buy a television.
If you told me I could keep all of the things I listed and not have to spend 50 hours a week associated with going to work, I'd say sure! If all of my costs were covered, I would make more money begging on the street than I would going into the office. I know this is anecdotal, since there's only one of me, but yes, if you told me all of my basic needs and my children's education would be covered, I would quit my job in a heartbeat.
Yes, if I told you you could keep all that without working, surely you'd quit. But what if I told you you could keep 75% of it? No beer at all, say, no gaming group, no driving, and no TV. You can keep your house and your food, but your kids have to go to public school, and you'd give up health insurance? Now, you'd still be doing better than a lot of people, but I'm guessing it wouldn't be worth it to you.
Similarly, even if you could get all you have right now without working, if someone then said: you can keep all you have, but if you come back to work, I'll give you another $10k/year spending money, I'm guessing you'd take them up on it.
The trick is just making sure that people who are working don't end up worse or the same as people who aren't. If you're getting free stuff from the government because you're poor, but loose it all if you start working, then you won't have much motivation to work. If you get to keep it all, and keep what you earn from working, then you'll most likely work. We can provide a safety net without removing all incentive. The trick is keeping the safety net in place until you really, really don't need it.
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What part of the system wouldn't be judged by it's quality? I don't think anyone is opposed to merit-based pay for doctors, even within a univeral coverage scheme.
katisara:
The current system doesn't pay by quality, I suspect anything new we put up wouldn't either.
Fair enough, but that's not really much of an argument against any new system.
katisara:
#6 (the gov't footing the bill) is the difference between 'health care is a luxury' and 'health care is a right'. If you think it's a right, you take #6 (as well as probably #7, since the gov't can let people into the plan for free, or reduced costs, as appropriate). If you think it's a luxury, you don't do those two (or require they still charge). If you think it's a right which must be protected from abuse, you allow them to do community service instead of paying cash.
The community service instead of paying cash isn't a bad idea. I could support that type of system.