I find no shame in admitting that this entire health care issue can be  mind numbingly complex.  Reading clear explanations of them can really help.  If you have items for this page, please post them as a comment.

Why Do We Need Individual Mandates?

Because, the argument goes, it ensures there are enough health people paying into the system to keep costs and premiums down, and keep the entire scheme solvent.  The Reform bills are insurance solutions, not entitlement programs. Without that mandate, only sick people who can't or won't get insurance elsewhere would buy in, jacking the price up so high, that everyone pulls out.

The Case For Mandates, Uwe E. Reinhardt

Thus, both theory and the empirical record teach us that if we want to impose guaranteed issue and community rating on the private health insurance market — even within age bands — then we should be prepared also to impose on individuals a fairly strict mandate to have insurance.

Uwe E. Reinhardt (1936- ) is the James Madison Professor of Political Economy at Princeton University. bio

Why we need a Mandate, by Ezra Klein

This is called an insurance death spiral. If the people who think they're healthy now decide to wait until they need insurance to purchase it, the cost increases, which means the next healthiest group leaves, which jacks up costs again, and so forth.

Why We Need an Individual Mandate, CNN Money

Thus, while the individual mandate is necessary to make these markets work, it is also necessary to provide subsides to lower and middle class households who wouldn’t be able to purchase the insurance without such help.

 

Do Republicans Support or Oppose  Mandates?

Almost universally opposed (this month).

For Them Before They Were Against Them

Sen. Olympia Snow Opposes Them

Michelle Malkin and Hot Air Opposes Them

 

Do Liberals Support or Oppose

Opposes Mandates

Markos Moulitsas, Daily Kos

Strip out the mandate, and the rest of the bill is palatable. It's not reform, but it's progress in the right direction. And you can still go back and tinker with it at a later time.

Keith Olbermann, @MSNBC

And it completely delights Republicans. See this Newsbusters orgasm over his special comment.

 

Supports Mandates

Can Democrats Govern? Joe Klein, Time

There are those who say that Democrats shouldn't favor any system that continues to include private insurers. Good luck with that. I've been covering these issues for 40 years and I've come to this conclusion: anything that actually helps people is good, whether or not it fits into an ideological pattern.

The Left Is Playing With Fire, Jonathan Cohn, New Republic

I'm all for a loud, angry left. If nothing else, we need it to balance out the loud, angry right. But there's a fine line between being constructive and destructive. This latest gambit, I think, crosses it.

 

Are There Alternatives To An Individual Mandate?

Paul Starr's "5 Year Opt-out" Plan  — Basically, prevent people from dropping coverage until they are sick, but providing a penalty box timeout before they can buy back into the system.  I like punishing the stupid this way, but of course, we'll have a lot of stupid people who get sick.  Who pays for them when that happens?  We do. That said, this may still be a reasonable way to appease the people who want to bring the whole reform plan down over the existence of a mandate on which the entire plan rests.

Under my proposal, you could decide not to pay for insurance and therefore not to receive those subsidies for five years. After that time, you could reconsider and decide whether or not to take another five-year opt out. But what you could not do is go back and forth at will, paying for insurance only when you're sick and then dropping insurance when you're healthy. There is no health-insurance system in the world that allows people to do that. And to think that we could start out that way is just plain silly.

 


Related

Pass the Bill, by Paul Krugman

I am trying to move to Chrome full time, but there are still not enough extensions to mimic what I do in Firefox, so I'm not quite there yet.  But there are some good extensions coming online, and I will try and save you some time by recommending the best-of-breed that I've found, thus far.

I don't tend to use a lot of extensions, as many are just gimmicks that slow down loading. I focus on the must have utilities. When it comes to the myriad of music extensions, stumblers, sharing, and social geegaws, gadgets, doohickies and other toys, you're on your own.

Just click the link to open a new window and install. Thanks to the magic of Chrome, they work instantly, with no annoying browser restart required, as with Firefox and IE.

Essential Extensions

  1. Quick Search — Pops-up a mini dialog box for entering searchings to popular sites like Wikipedia. Can't be customized. Hopefully, that's coming. (Usually, these tools have to be configured by the specific site to work well.) I use it mostly for quick Wikipedia searches. For that alone, it's a gem. 
     
  2. Right Click Opens Foreground Tab — Absolutely essential. Right click to open link in new Foreground tab (and other options). By default, Google opens tabs in background.
     
  3. Quick Dictionary (Google defines) — Great lookup tool that pops up an input box and avoids having to type in "Define Word" in Google search.  Neatly restricts the finds to a nice clean search result. Absolutely must have.
     
  4. Google Calendar Popout – Your agenda at a glance. Adds a Calendar Gadget button to the menu bar. 
     
  5. Send Link — Puts a handy button on your toolbar that lets rapidly forward the active web page to your default email program.
     
  6. Google Wave Notifier — Adds an icon to your toolbar listing number of new edits to waves you belong to, Clicking it pops-up a detailed list of each wave, allowing you to rapidly load or switch to that Wave.
     
  7. PDF/PowerPoint Document Reader —  Automatically previews pdfs, powerpoint presentations, and other documents in Google Docs Viewer.
     
  8. Refresh Page (Automatically) — Great for news feeds, twitter pages,etc.  Pops-up a small timer for each tab, allowing you to set a refresh timer. Page is reloaded on the timeout.
     
  9. Auto Copy Selected Text (Broken) —A tool like this was my most vital tool in Firefox, and this isn't really working (yet). I will leave it here reminding you to check back later to see if it's repaired.  In theory, you just select text on any page and it's automatically copied to the clipboard (on the mouse up). But more importantly, and optionally, it can include the URL for the page, too (set with Options*).  I use this for rapidly grabbing snippets for tweets or blog posts, and having the URL automatically appended to the end of the text.  When you paste into Tweetdeck, the shortener immediately compresses the URL. Big time & clicks saver. 
    1. Sadly, program  has a bad bug.  When I copy URLs from chrome, and go to paste them into a wordpress widget (such as a link dialog), the link in memory gets munged and converted to the current page. Other users report this disables normal.  I would avoid this program until this gets fixed–if ever. 

 

* Noter:  you can add and remove extensions, and set their options by clicking the Wrench Icon > Extensions page.

Developer Extensions

I will list them here as I test them. In the meantime, try this site:

Extension Wish List

Hey extension programmers.  Be famous, and give us this vital extensions first!

  1. Bookmark Sidebar — I just used bookmarks far too often to be messing with the stupid external bookmark window. Safari started that dumb-assed idea, and I will never understand why.  It seems to have been invented for people that never really use bookmarks. There was nothing ever wrong with the FireFox/IE sidebar model, and millions of people are very used to it.  GIVE IT TO US, Chromeboys!

  2. Multi-line Bookmark Toolbar — this is also vital, for me. I keep most current projects (such as WordPress pages) in various states, on the bookmarks toolbar. A single line of them gets eaten up instantly, and you're forced to use regular bookmark folders. Without a a sidebar, this is unworkable, but even with one, the multi-line bookmarks are killer. They completely transformed my Firefox life, and I MUST have them in Chrome. 


Note: If you know of a great extension, or have an idea for one, post as a comment here. I want to encourage extension writers to find this page often.