Tuesday, July 03, 2012

Goo goo gachoo Mr Roberts

I, like everyone else, was surprised by the outcome of the Supreme Court decision on the Affordable Care Act.  I did kind of anticipate that it would be struck down, like most of the smart money seemed to as well.  My personal impressions of the law are not especially positive, because, like the Obama Administration's characterization of the Constitutionality mechanism, is a bit of a bait and switch. 

As I hear about Roberts' explanation about defending ACA as a tax, I am pretty ok with his reasoning.  The powers granted to Congress for taxing are pretty broad and behavior changing taxes (particularly tariffs) have a long history; just because I think Congress can pass a tax, though, does not mean I think it's a good idea.  It is not called a tax in the body of the legislation, which to me is immaterial; if they called a future tax whiskey, it would not actually be whiskey and should not get special considerations simply because it is not actually called a tax.

The ACA does not really seem to be a health care reform, it's more of a health insurance reform.  It is kind of weird that the discussion always seems to center on the fact that the problem with our medical care is insufficient insurance (which, typically, isn't insurance at all; it's usually a payment plan for medical services) rather than addressing alternative means of access.  What I mean is that when I go into the doctor for anything from antibiotics for strep throat or a broken arm, I have no idea what it is going to cost nor what it should cost.  (Bear in mind, my wife is also a doctor.)  Why has there been no mention of a move towards transparency in costs?  By adding more people to insurance, that only gets more muddled, because somebody else is paying for a large share of it.  If we knew how much it cost, really, to examine, x-ray, set and follow up on a broken arm, then we could evaluate whether or not something like a 401k model for health expenses would be better, or what it would take to put that kind of control in our hands rather than some corporate accountant.

It also seems weird how excited Democrats are for that control to be given to insurance and pharmaceutical corporations.  On Meet the Press, Nancy Pelosi, of course, said the opposite, also while denying it was a tax (even though she conceded that it was clearly granted under the taxing power and would be collected by the IRS).  That's kind of a joke.  I don't have any particular aversion to corporations playing a role in our society, but it is really intimidating to think that I  don't have any idea what to expect to pay for anything.  I am going to get my wisdom teeth taken out and I could owe anywhere from $0 to a few thousand, and until they tel me, I won't have any idea how to plan for that.

I was quite glad to see that the majority did say that this is clearly outside the scope of either the commerce or necessary and proper clauses.  I am no attorney, but that seemed ludicrous on its face.  While it really does nothing to say that Congress could not just frame whatever they wanted to do in terms of a behavior influencing tax, that is much harder politically to implement -- hence this very discussion. 

Normally, taxes like this are presented as credits rather than penalties (like home interest deduction or incentives for buying energy efficient windows -- I lose money that would otherwise be on the table for not buying those products), but that distinction is pretty insignificant.  Any vote against a tax cut is an effective tax increase, and I think that should work in reverse, as well. 

I also do not really get how such a body really does fall down partisan lines every time.  Why is there that much latitude, really?  The Constitution is not Ulysses.  It is largely written in pretty plain language and that there can be such violent disagreement entirely rooted in a partisan manifestation is weird.  People have disagreements about interpretations of automotive specifications sometimes, but it is not like there is a pro-four door/anti-four door delineation of reading them.  It does make the court seem petty, and I tend to sympathize with the conservative wing on issues like this because the spirit of the document was to limit the powers of the Federal Government, and reading into it otherwise seems like using the Bible to justify child pornography. 

5 comments:

Andrew Sheffield said...

I agree with most of your assessments of the bill. While I like some parts of the ACA, I do not care for the individual mandate. Although I think you and I might have different opinions of what we would like to replace the mandate.

ethernaut said...

I really liked your point about this being a Health Insurance reform as opposed to a full health care reform. I, like most Americans, have always though health care was/is quite profitable, but it turns out that only drug companies and medical device manufacturers really rake it in. Check out this short article from the Washington Post:

http://voices.washingtonpost.com/ezra-klein/2011/02/health-insurance_industry_stil.html

Hospitals and insurance companies have profit margins around 4.5%. So if most health care systems are barely getting by with costs so high, what is really going on? We have an absurd cost model for health care and I agree that this insurance reform will only do more to obfuscate costs from health care recipients.

I haven't heard anything I would call a great solution from either party, and maybe Obamacare will actually "work" as intended to some degree, but I am quite skeptical.

Engineer Sighted said...

Replacement: Free Soma for everyone!

Engineer Sighted said...

The thing that I hard to take about it all is that the statistical result will almost invariably disagree with what you see anecdotally. When gas prices go up, everyone sees it the same way, whether or not we understand the global commodities market.

If Obamacare "works", how will we know? I go to a doctor maybe once every 18 months, how much should that trip's cost change? And how will we know if it doesn't? Literally every single stakeholder is lying about what this law will accomplish right now, so I won't even know how to evaluate the results. Maybe I can chart Dr. Sighted's complaints as a function of time.

Andrew Sheffield said...

Okay, apparently we have the same opinion of what we would like to replace the mandate with.