Fred Hiatt's Crayon Scribble Page is such a cornucopia of teh stoopit that it's impossible to point to one columnist and say: This is dimmest light bulb in the package. Everyday produces a column which makes one shake his head and ask: How did this dishonest hack get published?
Which brings us to Loyal Bushie and über-Xtian Michael Gerson who, unsurprisingly, is whinging about HCR, specifically the idea of an individual mandate:
Precisely because younger people have lower health costs, reformers want to draft them into the broader health insurance system so their premiums can subsidize the health expenses of older, sicker consumers. Thus, in every version of reform, the young are required to purchase coverage.
The merits of the bills under consideration are, for today's purpose, beside the point, as is the conduct of insurance companies. What is the point? Well, read that quote again. It's apparent that Gerson has no concept of how insurance works - or, more likely, he feigning ignorance in order to make his point.
Short version: Those who have insurance but rarely or never submit claims by definition are subsidizing those who do.
Converse version: Those who submit claims are being subsidized by those who rarely or never do.
That. Is. The. Point. Of. Insurance.
To create a broad and deep risk pool so that everybody's premiums are lower.
So, any reasonably well-functioning insurance plan must mix the low-risk with the high-risk, including any government plan.
Hence the individual mandate.
Gerson surely knows this but it is essential that he pretend otherwise so he can make his case:
Amazingly -- out of idealism, ignorance or both -- people in their 20s remain the strongest supporters of health-care reform. They are also the group most likely to wake up the day after passage of Obamacare with a health-reform hangover -- forced to buy coverage at higher premiums to reduce the cost of someone else's health insurance.
Or perhaps people in their 20s remain the strongest supporters of health-care reform because they understand how fucking insurance works you dishonest moron.
Gerson proceeds to toss-in pro forma attacks on Medicare, Medicaid, and Social Security as generational transfers of wealth and states, "Entitlements benefiting the elderly are eternal."
It would seem that Gerson believes that these programs continue even after death. Perhaps he believes that up on the fluffy cumulus clouds where his invisible sky-friend lives there's thrice-a-day mail service delivering those sweet, sweet entitlement checks to the winged be-harped ones.
Or perhaps Michael Gerson is a cynical propagandist.
.