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Should Congress Mandate Health Insurance Coverage?

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Cato Institute

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Partner:: Cato Institute
Location:: Cato Institute
Washington, D.C.
Event Date:: 06.17.09
Speakers:: Jon Kingsdale,; Megan McArdle,; Michael Tanner,; Aaron Yelowitz
Tags:: congress; public healthcare; healthcare reform; health insurance

Summary: Among reformers seeking universal health insurance coverage, a legal requirement that individuals purchase and/or that employers offer health insurance is a potential area of compromise.

How will mandates affect the insured and uninsured, employers and workers, and the cost and quality of health care?

Bio

Jon Kingsdale

Jon Kingsdale is the Executive Director of the Commonwealth Health Insurance Connector Authority, an independent authority established under Massachusetts' landmark health reform legislation of 2006, to promote coverage of the uninsured. He works with a broadly representative Board of Directors to develop key elements of the health care financing policy in Massachusetts, develop and implement new programs, and build a capable organization. As a senior executive at the Tufts Health Plans for almost twenty years, he was responsible for strategic planning, product development, public affairs and government relations. He led major product initiatives including the development of various new HMO benefits for the group market (including tiered-network HMO and POS plans), New England's largest Medicare + Choice HMO, and consumer-directed health plans.

Megan McArdle

Megan McArdle's work history includes three start-ups, four years as a technology project manager for a boutique consulting firm, a summer as an associate at an investment bank, and a year spent as sort of an executive copy girl for one of the disaster recovery firms at Ground Zero. While working at Ground Zero, she started Live from the WTC, a blog focused on economics, business, and cooking. From there it was but a few steps down the slippery slope to freelance journalism. For the past four years she has worked in various capacities for The Economist, where she wrote about economics and oversaw the founding of Free Exchange, the magazine's economics blog. She has also maintained her own blog, Asymmetrical Information, which moved to the Atlantic Monthly, along with its owner, in August 2007. McArdle holds a bachelor's degree in English literature from the University of Pennsylvania, and an MBA from the University of Chicago.

Michael Tanner

As director of Cato's health and welfare studies, Michael Tanner heads research on new, market-based approaches to health, welfare and Social Security. His approach is based on individual responsibility rather than government control.

His most recent book, Leviathan on the Right: How Big-Government Conservatism Brought Down the Republican Revolution (2007), chronicles the demise of the Republican party as it has shifted away from its limited government roots and warns that reform is necessary to avoid electoral defeat in 2008.

Under Tanner's direction, Cato launched the Project on Social Security Choice, which is widely considered the leading impetus for transforming the soon-to-be-bankrupt system into a private savings program. Time Magazine calls Tanner, "one of the architects of the private accounts movement," and Congressional Quarterly named him one of the nation's five most influential experts on Social Security.

In addition to his work on Social Security, Tanner oversees Cato's research on new, market-based approaches to health care reform and social welfare programs.

Aaron Yelowitz

Dr. Aaron Yelowitz is currently an Associate Professor in the Department of Economics at University of Kentucky. He also is a joint faculty member in the Martin School of Public Policy and Administration at University of Kentucky. He is also a Research Associate at National Bureau of Economic Research, a Faculty Affiliate at the Joint Center for Poverty Research, and a Research Associate at Institute for Research on Poverty, and the economics department liaison for the UK Center for Poverty Research. He serves as an associate editor for the Journal of Public Economics.

Chapters

: Watch Full Program

53 min 30 sec

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01.: Introduction

01 min 13 sec

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02.: Employer Mandated Health Coverage

03 min 42 sec

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03.: Arguments in Favor of Employer Mandates

08 min 19 sec

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04.: Mandate Case Study: Massachusetts

05 min 38 sec

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05.: Health Care Exchanges

02 min 56 sec

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06.: Individual Mandate Insurance

02 min 53 sec

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07.: Mandates Violate Individual Liberty

06 min 11 sec

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08.: Faulty Reasoning Behind Individual Mandate

05 min 58 sec

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09.: Who Really Benefits from Mandated Insurance

04 min 17 sec

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10.: Should People Be Allowed to Free Ride on the System?

02 min 24 sec

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11.: Deliberate Attempt to Shift Cost to Employers

01 min 53 sec

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12.: Q1: Massachusetts a Model for Other States

03 min 57 sec

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13.: Q2: Uninsurance Card

04 min 03 sec

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: Watch Full Program

53 min 30 sec

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Massachusetts Health Care Mandate a Runaway Success?

02 min 47 sec

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Jon Kingsdale cites the success of the individual healthcare mandate in Massachusetts to argue the benefits of reform.

"In two years, from 2006 to 2008, we’ve taken the uninsurance rate in Massachusetts down from over 10% to 2.6%," he says.
The Problem with Health Care Mandates and Insurance Pools

02 min 22 sec

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Michael Tanner refutes the argument that mandated health care would lower costs by forcing young, healthy people to buy into the client pool.

Tanner argues that actuarial underwriting will keep costs high because "everyone's premium is based on their own health."
Watch Full Program

53 min 30 sec

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