Government Medical Insurance
Webcast Q&A: Sunday, 24 April 2011, Question 4
I answered a question on government medical insurance on Philosophy in Action Radio on 24 April 2011. You can listen to or download the podcast segment below – or check out the whole episode.
Should a person with a pre-existing medical condition that disqualifies him from most major medical insurance plans sign up for a state-sponsored high-risk insurance pool? I'm a 1099 independent software contractor, and I'm responsible for my own health insurance. I have a pre-existing condition that disqualifies me from most of the major medical insurers. My current insurer offers few benefits, and the company is notorious for trying to deny claims. I was also diagnosed with a malignant tumor in my cheek. That's being treated, but I'll be all the more uninsurable in the future. However, the state where I live has a high-risk insurance pool available. Financially, this plan would be a much better deal than I have with my current insurance company. I would have to pay premiums, deductibles, and co-insurance, so this plan is not complete welfare. However, I'm obviously wary of becoming dependent on the government for such a plan, and I don't want to contribute to the continued socialization of the health-care system. I have some other options, like trying to find a job that offers benefits, but I love my current job. Am I trying to eat my cake and have it too by signing up for the state plan, which would allow me to stay in my current job without the worry of a major medical issue ruining me and my family financially?
My Answer, In Brief: For a person to accept government money as restitution for funds taken by force from him and/or due to government destruction of private markets is not wrong, provided that the person continues to oppose all such government welfare on principle.
- Duration: 9:02
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About Philosophy in Action Radio
I'm Dr. Diana Hsieh. I'm a philosopher specializing the application of rational principles to the challenges of real life. I received my Ph.D in philosophy from the University of Colorado at Boulder in 2009. My dissertation defended moral responsibility and moral judgment against the doubts raised by Thomas Nagel's "problem of moral luck."
My radio show, Philosophy in Action Radio, broadcasts live over the internet on Sunday mornings and Wednesday evenings. On Sunday mornings, I answer four meaty questions applying rational principles to the challenges of real life in a live hour-long show. Greg Perkins of Objectivist Answers co-hosts the show. On Wednesday evenings, I interview an expert guest about a topic of practical importance.
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