Win-Win Situations
The UAW strike shows why America needs universal healthcare: our system bankrupts industry and leaves the middle and working classes vulnerable. The President’s (and major Republican candidates’) commitment to ideology over problem-solving---not just in healthcare but across the board---opens space for a progressive coalition to emerge as the practical, empirically-minded, responsible choice. Progressives will have to take the right's ideology head-on and own the fact that government is indispensable for a competitive economy and for middle-class security.
GM faces staggering “legacy costs” that have rendered it unable to compete with its Japanese rivals. (It’s ironic, as Timothy Noah has pointed out, out market-based healthcare system affects GM more than any other employer, given that Michael Moore denounced its practices in Roger and Me as he now denounces the market-based healthcare system.) What’s bad for GM in this case is bad for GM’s workers, and universal healthcare would be good for both. This same week, the President reiterated his promise to veto the expansion of a popular and successful children’s health insurance program. Why? Not because it won’t work, but actually, it seems, because the program would work. “The bill goes too far toward federalizing health care," he proclaimed, "and turns a program meant to help low-income children into one that covers children in some households with incomes of up to $83,000 a year.” Exactly, Mr. President: our system leaves lots of people who should be comfortably upper-middle class insecure, and this bill provides the beginnings of a solution.
The rigid ideology that decreased regulation and increased privatization are goods in themselves, rather than means to some other end, has consequences in other areas as well. Americans, it turns out, have some of the slowest broadband in the developed world. Japan’s, for example is over 20 times as fast. And those French, who were always being told need to face facts and deregulate (see this typical column by Roger Cohen noting “paralyzing French hypocrisy”), post similar numbers. In addition, these countries have more subscribers per capita than we do. And why? As Paul Krugman noted in a recent column, American policymakers have “ignore[d] the reality that sometimes you can’t have effective market competition without effective regulation.” Other countries force internet providers to act as common carriers, which has allowed competition to flourish, while, in the United States, companies that own the lines can act as a monopoly. “If you’re lucky,” writes Krugman, “you have a choice between the services offered by the local cable monopoly and the local phone monopoly. The price is high and the service is poor, but there’s nowhere else to go.”
This commitment to business over empirical thinking (at the cost of functioning capitalism) has hurt the U.S. economy and most everyone in it, both huge corporations and average employees. Student loans provide another excellent example: it's cheaper and more efficient for the government to issue loans directly, but we've hiked up costs and created inefficiencies just so private actors can be involved (and get a piece of the pie). Progressives can use patriotic arguments, along with empirical ones, to restore rationality to our political discourse and, in the process, win over new constituencies. Oh yeah, and make life better for lots of people.
















Let the government offer health insurance to Citizens below private insurers market rates.
Florida has done this, but unfortunately it is for property insurance.
The rates near or on the beaches and now commercial property inland are un-affordable.
The poor living in the multi-million dollar structures are just tapped out with the federal tax cuts and the year after year reductions in Florida’s Intangibles taxes.
Florida has such feelings for its property the politicians are willing to
risk Bankrupting">http://www.cei.org/gencon/019,06091.cfm/">Bankrupting Florida to keep its property intact after a hurricane.
Citizens Provides
- More than 1.3 million Floridians with property insurance.
- Hundreds of thousands of Floridians with the financial ability to recover and rebuild after a hurricane.
- The insurance needed by Floridians to obtain mortgages, refinancing, business or other property loans.
- Floridians with the ability to buy and sell property.
- Businesses with the insurance needed to invest in the Sunshine State.
Company Overview
In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.
Our Mission
To efficiently provide property insurance protection in
Florida to those unable to obtain coverage in the private
market, as directed by the legislature. Quality customer
service is our priority.
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Today, are we searching for I deals or Ideals?
-Thinking
September 28, 2007 6:32 PM | Reply | Permalink
I think a lot of people expect WAY too much money for the sale of a car, these days, build
something for 5k worth of parts, 1k worth of labor, another 1k shipping and dealer prep,
and want 30k for it. We need to build and export
OTHER stuff, less intermediaries, less overhead,
let car companies build cars economically and
efficiently, build new factories for other
goods production instead and employ more people
that way...
September 29, 2007 1:12 PM | Reply | Permalink
Re: The rates near or on the beaches and now commercial property inland are un-affordable.
"Near or at the beaches" now extends inland to, oh, the middle of the state. Even in Orlando (about as inland as you can get in Florida) people who have never had a claim or made a late payment have had their policies canceled. Unless you're driven by such envy of Florida's largely successful economy (very low unemployment, etc) and would like to see the whole state collapse when neither homeowners or businessowners can get insurance at any price, the only other way to provide insurance would be to force insurer to insure all applicants and strictly regulate the rates. That's a lot worse, IMO, than just setting up a public company to do the job instead. After all, nothing is stopping Allstate, State Farm et all from competing with Citizen's Insurance down here. I can even suggest an easy way to do it: merge their Florida-only subsidiaries with their national business so that any high claims in Florida will be spread across a much larger suscriber base. They'd then be able to lower their rates considerably and give Citizens a run for its money.
October 1, 2007 1:48 PM | Reply | Permalink
After all, nothing is stopping Allstate, State Farm et all from competing with Citizen's Insurance down here. I can even suggest an easy way to do it: merge their Florida-only subsidiaries with their national business so that any high claims in Florida will be spread across a much larger suscriber base. They'd then be able to lower their rates considerably and give Citizens a run for its money.
State Farm and others did the opposite. They set up state companies. Here State Farm Florida is the name. Theirs was a response from the politicians.
Both deserve each other, but they are both gambling against Mother Nature and thus guaranteeing that the people’s assets will be lost.
I have never seen such passive Citizens.
Some of the papers if not all will not print
the totality of the hard indisputable cold facts
much less the inferences.
Florida will steal the 08 presidential election again, no questions asked.
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Today, are we searching for I deals or Ideals?
-Thinking
October 1, 2007 2:52 PM | Reply | Permalink
Re: Florida will steal the 08 presidential election again, no questions asked.
Florida has cleaned up its act quite a bit of late (Jeb Bush is gone). There will be no more voter roll purges because felon's voting rights, with some exceptions (murderers etc.), are now restored after they serve their sentences. Also, the electronic voting machines everyone dreads are history.
October 1, 2007 3:14 PM | Reply | Permalink