I Love It When I Turn Out To Be Right…

Way back in 2000, I wrote a column listing all of the reasons the U.S. should reform health insurance. I was advocating adoption of single-payer (Medicare for All), and I still believe that would have been the simplest and most effective policy–but politics, as we all know, is the art of the possible, and single-payer wasn’t going to fly.

I had a long list of benefits I predicted would flow from universal access to healthcare. Down in the “and also” part of that list was the following:

Individuals would save money. Auto and homeowners insurance premiums would decline, because the underwriting would no longer need to take the costs of medical care into account.

Researchers are now investigating the actual costs and savings attributable to the Affordable Care Act (as opposed to the political talking points and hype). Rand has just issued one such study:

The Affordable Care Act may result in lower automobile insurance rates according to a study conducted by David Auerbach and colleagues at the RAND Corporation that was published on April 9, 2014.

Auto insurance providers pay for some or all medical injury claims that are sustained in automobile accidents in the United States depending on the terms of the policy. The dollar amounts involved are based on an analysis of the amounts that all U. S. auto insurance providers paid for automobile injuries in 2007. The total was $35 billion.

The entire cost of auto injury health care will be taken over by health insurance providers according to the terms of the Affordable Care Act.

I told you so.

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Why Am I Not Surprised?

The Washington Post recently reported on a study conducted by political scientists Kyle Dropp (Dartmouth College) Joshua D. Kertzer (Harvard University) and  Thomas Zeitzoff  (Princeton University).

Here’s their description of the study.

On March 28-31, 2014, we asked a national sample of 2,066 Americans (fielded via Survey Sampling International Inc. (SSI), what action they wanted the U.S. to take in Ukraine, but with a twist: In addition to measuring standard demographic characteristics and general foreign policy attitudes, we also asked our survey respondents to locate Ukraine on a map as part of a larger, ongoing project to study foreign policy knowledge. We wanted to see where Americans think Ukraine is and to learn if this knowledge (or lack thereof) is related to their foreign policy views. We found that only one out of six Americans can find Ukraine on a map, and that this lack of knowledge is related to preferences: The farther their guesses were from Ukraine’s actual location, the more they wanted the U.S.  to intervene with military force.

Here, in a nutshell (pun sort of intended), is the problem of our times: the loudest voices, the partisans arguing with the most certainty and the least nuance, belong to the people who know the least about the matter at hand.

What makes it even worse is that we elect so many of them.

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Justice Stevens Weighs In

Retired Supreme Court Justice Stevens has a new book out in which he makes the case for six Amendments to the Constitution.

  1. The “Anti-Commandeering Rule” (Amend the Supremacy Clause of Article VI) This Constitution, and the laws of the United States which shall be made in pursuance thereof; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the judges and other public officials. in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.
  2. Political Gerrymandering – Districts represented by members of Congress, or by members of any state legislative body, shall be compact and composed of contiguous territory. The state shall have the burden of justifying any departures from this requirement by reference to neutral criteria such as natural, political, or historical boundaries or demographic changes. The interest in enhancing or preserving the political power of the party in control of the state government is not such a neutral criterion.
  3. Campaign Finance – Neither the First Amendment nor any other provision of this Constitution shall be construed to prohibit the Congress or any state from imposing reasonable limits on the amount of money that candidates for public office, or their supporters, may spend in election campaigns.
  4. Sovereign Immunity – Neither the Tenth Amendment, the Eleventh Amendment, nor any other provision of this Constitution, shall be construed to provide any state, state agency, or state officer with an immunity from liability for violating any act of Congress, or any provision of this Constitution.
  5. Death Penalty- (Amend the 8th Amendment) Excessive Bail shall not be required, nor excessive fines imposed, nor cruel and unusual punishments such as the death penalty inflicted.
  6. The Second Amendment – (Amend the 2nd Amendment) A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear arms when serving in the Militia shall not be infringed.

Of course, the likelihood of passing any amendments in this politically polarized age is fanciful; lawmakers can’t even manage to pass what should be relatively noncontroversial legislation.

Nevertheless, these eminently rational suggestions provide plenty of food for thought.  Not to mention, an implicit condemnation of our unwillingness to come to terms with the realities of modern life.

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Corruption Comes in Many Flavors

One of the elements of the recent McCutcheon decision that has had many lawyers shaking their heads is the majority’s airy dismissal of concerns about the many ways dollars corrupt the system.

The majority limited the definition of corruption to the receipt of a quid pro quo.

Now, obviously, the exchange of money for a legislator’s vote is a corrupt act. It is also illegal. The majority seems to believe that only such blatant and illegal acts–outright bribes–are unethical.

If that cramped understanding of the ethical obligations of citizens and public servants carries the day, it won’t take long until we inhabit a society that has lost whatever is left of its moral center.

Let’s look at a couple of examples that are currently playing locally.

State Representative Eric Turner is currently being investigated for working feverishly behind the scenes to derail a law that would have hurt his son’s nursing home business. (According to the Indianapolis Star last Sunday, Turner also had significant personal investments that would have been negatively affected by the legislation.) If the allegations are proven, Turner is probably guilty of breaking a law, although that isn’t entirely clear–but even if his behavior didn’t actually violate a statute, is there any doubt that such actions were unethical?

Then there’s the smoke alarm ordinance that I blogged about awhile back. Counselor Scales (who seems to be the only City-County Counselor at all concerned about the fact that it would hand one vendor a probable monopoly) asked for and received an opinion from legal counsel. She was told that an offer–a quid pro quo, actually–that didn’t enrich anyone personally isn’t a violation of the City’s ethics ordinance.

If you’ll recall, the ordinance would require property owners to purchase smoke alarms with non-removable, non-replaceable “sealed” batteries with a ten-year life.  The company that manufactures those alarms, and would benefit from the requirement, promised IFD “free smoke detectors, payment for TV and radio public-service announcements, press events and donations to IFD-favored charities” in exchange for IFD’s support for the ordinance.

No firefighter was bribed, but the department would certainly benefit from the “generosity” of the vendor–and needless to say, the vendor would benefit financially from passage of that ordinance. IFD didn’t solicit “bids” and didn’t give other smoke alarm companies an opportunity to match the “gifts.” That said, no law was broken. The Ethics ordinance wasn’t violated.

The McCutcheon majority would dismiss these–and countless similar examples–as mere persuasion. Free speech. The prerogative of those who are engaged in commerce.

The fact that such behaviors take place behind closed doors is a pretty good indication that the people involved know that such activities–legal or not–aren’t kosher. Legal doesn’t equal ethical, no matter how disconnected from reality the Court’s majority remains.

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What’s the Threshold for Embarrassing?

When Todd Rokita was Secretary of State, he was the person primarily responsible for Indiana’s effort to disenfranchise poor and minority voters by requiring photo IDs.

He piously assured Hoosiers that this effort was prompted by his concerns over rampant “vote fraud.”

Of course, research has conclusively shown that instances of in-person vote fraud are virtually non-existent; they constitute an infinitesimal percentage of votes cast, and most of those cases occur as part of absentee voting, not in-person casting of a ballot.

Now that he is a U.S. Representative,  Rokita has emerged as a climate-change denier. (Why am I not surprised? Clearly, facts and empirical evidence are irrelevant to  him.)

So–Rokita sees things that aren’t there (vote fraud) and doesn’t see things that are there (climate change). I think it’s time for an intervention–starting with a removal from public office, where delusional people can do real damage.

The Hoosier state has far too many embarrassments posing as elected officials. We really need to thin the herd.

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