Insurance Is No Answer

Sen. John Kerry huffed, "The disparity between women and men in the individual insurance market is just plain wrong, and it has to change". The president of the industry trade group, Karen M. Ignagni, agreed that disparities "should be eliminated."

Give me a break.

Women pay more than men for health insurance for good reason. Despite being healthier than men, they incur higher costs because they go to doctors more often, and they take more medicine. Kerry is pandering. I don't recall him demanding that men be protected from higher life-insurance and auto-insurance premiums.

"Community rating" hides the cost of health care. It's as destructive as ordering fire insurance companies to charge identical premiums for wood frame and stone houses. Universal health insurance with "no discrimination" pricing will make health care costs rise even faster.

When politicians interfere with free markets, unintended consequences harm everyone, except the companies that lobby hard enough to protect themselves.

Is it too much to expect our rulers to understand this?

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