The skyrocketing costs of health insurance are the result of onerous government regulations, such as mandatory benefits.His FAQ answers some common questions, such as:
Many states require insurance plans to include benefits like chiropractor care or in vitro fertilization. Such mandatory benefits raise insurance costs by about 20 percent to 50 percent, according to the Council for Affordable Health Insurance.
More fundamentally, mandated benefits violate an individualÂs right to contract freely with insurers and providers according to his rational judgment for his best interest. Instead, a bureaucrat decides how the individual must spend his own money.
Eliminating these mandates would make health insurance available to millions of Americans who desperately want it but cannot now afford it.
The proper solution to the health insurance crisis is not more government, but a free market.
(Turn the question around: why should anyone be forced to pay for your care; "The fact that you have a need does not create an automatic obligation on others to fulfill that need.")
(It wouldn't; health care is a need, not a right; rights don't impose (positive) obligation. But it would bring costs down to affordable levels.)
(No, the purpose of government is to protect individual rights, not to violate them.)