This mandate business.
It’s got me thinking back through the vast eons of time that have passed since I lived without health insurance.
When I was in my early-to-mid 20s, I rarely had health insurance.
I wanted to be a writer and was very much living the starving-artist life, going to grad school on a scholarship and living on the roughly $9,000-a-year salary universities paid to me for teaching writing courses part time, and whatever came from hash-slinging jobs I could patch together for summer work.
My wife was doing pretty much the same thing. Which meant we had to live frugally. We lived on the edge, but that was our choice. With college degrees in hand, we could have traded that temporarily meager life for ones with better jobs.
It is funny to me now how little health insurance meant to me. Though insurance wasn’t an option at my first school, it was provided free at the second one. Once I realized all I had to do was fill out some forms – which I failed to do the first year – I was covered.
Obviously, I was one of the lucky people. I was fit and fortunate enough to lack any kind of ailment or condition that required me to see a doctor. I came from an upper-middle-class background. Adversity didn’t know me. I had a dear professor friend who supplied plenty of food and fun at his expense. Grad school tends to bring out a we’re-all-in-this-together atmosphere of friends joining together to make the lean years pass more pleasantly.
Meanwhile, we all know that as soon as we slog through our deprivations, we’ll have the kinds of higher educations that make us more employable and more prosperous.
So this mandate.
Here’s what bothers me about it. I might have missed out on that education and life experience (which I adored) if I had had to make the kind of money that would have enabled me to buy health insurance. (At least at that first school.)
Why? Because I don’t believe it would have been right for someone like me, who wasn’t harmed by job loss or real problems like sickness or the death of a provider, to take advantage of taxpayer programs meant to help those who are truly in need.
I was technically poor, or objectively poor, but my life experiences and expectations were those of a privileged set.
Yet with a mandate that I buy insurance, I couldn’t have added the expense. I would have had to either take a government subsidy and buy insurance, or go out and get a better job and leave grad school behind.
A lot of young people now would be in that position. And not just college kids. It would also apply to young innovators living on the edge while trying new ideas in business, technology, the arts and other endeavors that make our lives more interesting.
The new reality would instantly create a generation of young people – even industrious young go-getters not really in danger of actual poverty – who are taught to believe that they should take advantage of taxpayer largesse in order to get their start.
That, or accept a life with fewer risks and less education.
Even if you assume (and I don’t) that this health-care bill provides the kinds of changes that are best for society, I think it’s fair to say it would be a true shame to start forcing the next generation into those kinds of decisions.