Government Medical Insurance
Webcast Q&A: 24 April 2011, Question 4
I answered a question on government medical insurance on 24 April 2011. You can listen to or download the podcast of just this question below – or check out the whole episode of Philosophy in Action Radio.
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
- Download: MP3 Segment (3.1 MB)
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- "A Question of Scholarships" in The Voice of Reason by Ayn Rand
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About Philosophy in Action
I'm Dr. Diana Brickell (formerly Diana Hsieh). I'm a philosopher, and I've long specialized in the application of rational principles to the challenges of real life. I completed my Ph.D in philosophy from the University of Colorado at Boulder in 2009. I retired from work as a public intellectual in 2015.
From September 2009 to September 2015, I produced a radio show and podcast, Philosophy in Action Radio. In the primary show, my co-host Greg Perkins and I answered questions applying rational principles to the challenges of real life. We broadcast live over the internet on Sunday mornings.
My first book, Responsibility & Luck: A Defense of Praise and Blame, can be purchased in paperback and Kindle. The book defends the justice of moral praise and blame of persons using an Aristotelian theory of moral responsibility, thereby refuting Thomas Nagel's "problem of moral luck." My second book (and online course), Explore Atlas Shrugged, is a fantastic resource for anyone wishing to study Ayn Rand's epic novel in depth.
I can be reached via e-mail to email@example.com.