The Immorality of Guarantee Issue Health Insurance

The Immorality of Guarantee Issue Health Insurance

While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that guarantee issue policies represent the most immoral type of hybrid between the two. The argument that everyone should be covered by health insurance is an argument for a nationalized health care policy. By contrast, believers in privatized health insurance argue that a private system yields more efficient pricing and cost controls in the health care field. But with guarantee issue health insurance policies, an immoral situation is created that undermines the benefits of a privatized system by poorly and immorally implementing some of the edicts of a nationalized system.

Canada has a nationalized health care policy that many in the U.S. wish to emulate. While the idea of promising health care benefits to all citizens is appealing, there are downsides. For example, many in Canada are forced into long waiting lines to receive health care treatment. In fact, the Canadian courts just ruled that many laws which barred citizens from seeking alternative health insurance options were unconstitutional. If the health care system in Canada were capable of serving all citizens in a timely manner, there would be no need to seek alternate routes. The Canadian courts were correct to view laws limiting how people can spend their own money for their own health benefits as inconsistent with their fundamental freedoms. But barring those attempts by legislators to enforce a monopoly on nationalized health insurance, the premise of taxpayers supporting a nationalized health care system makes sense from an ethical point of view. In such a system all taxpayers are subject to the same benefits and burdens with respect to their existing tax structures.

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