So it’s Monday—the first Monday since the GOP took back the House, and I have hope. Not hope that the Republicans will get their agenda passed, that would be somewhere between unlikely and a minor miracle given the Dem. Controlled Senate (although they will likely have a few Dems dive to the middle because they want to get reelected) and the narcissist-in-chief (who shows no signs of realizing that the nation gave his little socialist opus a big thumbs down last week). But while the hopes of getting legislation passed are zilch, I do have hopes that the Republicans will not do what they always do and snatch defeat from the jaws of victory.
But to do this they need to do several important things first.
1. Repeal everything Obama did every week (TARP, Stimulus, Obamacare, etc.). Make him veto it every week and thus never let this country forget what he stands for and that he will keep pushing legislation this country does not want as long as he is in office.
2. They need to come up with real legislation. Not just tax cuts. I love tax cuts. But tax cuts in amongst the mountain of legislation and bureaucracy that is impeding the capitalist spirit of this nation is needed. It all needs to go. The laws, the regulations, the useless bureaucrats, the red tape. Get rid of it all.
Now as anyone who reads this blog consistently knows, I do want to keep government regulation and oversight in a lot of the economy, but as the referee and rules-keeper of the system (not an active participant in it).
3. The GOP needs to advertise and publicize what they are trying to pass, why it will work, and that the Dems in the Senate and Obama are opposed to making this country a better place. This needs to be a full on, massive two-year campaign showing that “we’re right in more in more than just name.” TV, Radio, internet, print… it must be made clear to everyone with a rational brain why it’s actually the Dems who are the party of No.
And given all this I am going to be posting every Monday a law that the Republicans need to pass And the GOP needs to pass bills every week. Yes, I know that they don’t get sworn in until January and Congress isn’t it session every week of the year (thank the dear lord) but I still don’t think passing 52 laws that will improve capitalism and decrease the socialist nature of our government is too much to ask for in any given year. This way in 2012 we can run on 104 laws that we will pass immediately if you put conservatives back in full control.
To start this week I am going to go with the obvious issue of healthcare. Now repealing every last scrap and iota is a given about as obvious as the observation that the sun rises in the east or that men are endowed by their Creator with certain unalienable rights (Obama seems to have problems with that one too). But if we just repeal it without putting in place things that will actually make the best healthcare system in the world (the U.S. system before Obamacare) better people are going to say that we as conservatives are doing nothing.
So the first new law that conservatives need to pass is to remove the legal barriers that prevent issuance companies from crossing state lines. Right now federal law prevents insurance companies from offering insurance in more than one state. You may think you’re buying insurance from Blue Cross but really you’re buying from Blue Cross of Arizona or Blue Cross of Massachusetts or Blue Cross of California, all of which are individual private companies (with their own boards, and own sets of bureaucracy) that are subsidiaries of the larger national company. Think about that for a second. It creates a system that resembles the federal system of the government of having both state and federal powers. The federal system was set up to create inefficiency and prevent abuse of power—which is a very good thing in government, but about as stupid as you can possibly conceive when it comes to running a company. I want you to think for just a few seconds how much overlap, how much insanity, how red tape and how much inefficiency this causes for an insurance company. And who gets to pay for that inefficiency? That would be you, the consumer.
And what else does this no crossing state lines do? It hinders competition. A person who wants to set up an insurance company in Delaware is limited to a very small market unless they want to waste what is probably equivalent to most of a decade’s profit to reincorporate with both a national branch and the entire system of bureaucracy and infrastructure in every other state they want to expand to. Hmm…I wonder if the big insurance companies have anything to worry about when it comes to competition. Nope, they have a very effective little cartel going because they know that no one new is ever going to come on the scene. (Now you could argue you could start a company in a big state and expand from there, which seems to make more sense on the face of the argument, but if you know anything about state business laws, right now the big states, California especially, are very anti-business in their laws).
So if you repealed the laws on state lines you would see all of these smaller state companies suddenly competing for every possible client, not just the ones in their small range. The large companies, who have now been able to save millions (if not billions) in overhead costs because they don’t need a complete business structure for all 50 states will now be more efficient. And those billions they save won’t be going to shareholders or CEO’s they’ll be going to cutting rates and offering more services because they are now in competition with all the smaller companies that they didn’t have to worry about.
I am speculating here, but this will likely lead to further standardization of payment for all doctors for all services because the smaller companies will probably just agree that it’s easier to say we’ll pay X for Y no matter who the doctor is because a smaller company will not be able to have an “in network” list for the entire nation. This will lead to the big companies doing the same to compete and low and behold there will no longer be lists of approved doctors and unapproved doctors for your insurance costs. (They might include some criteria along the lines for the doctors known level of skill and how many malpractice lawsuits they’ve had against them for how much they’ll pay, but this would only lead to national standards for the quality of a doctor and requiring the medical profession to police its own more stringently…not exactly something I would consider a down side).
Oh and your car and home insurance is also going to drop.
More choices. More competition. Lower prices. Better services. Higher standards.
And I’ll bet you Obama will veto it putting yet another nail in his political coffin.