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Nov. 23, 2009
JWisdom.com: Actually, it really is all about you with Rabbi Lawrence Hajioff
Nov. 20, 2009
Rabbi David Aaron: How to make every second of your life come first
Caroline B. Glick: Whither American Jewry
Nov. 19, 2009
Binyamin L. Jolkovsky: Please Listen to this Godcast (5 minutes)
Jonathan Tobin: ADL Crosses the Line with Report Bashing Obama Critics
Nov. 18, 2009
Rabbi Yonason Goldson: What Judaism has to say about the secret of the Mona Lisa's smile
JWisdom.com: The (Jewish) Dating Game with Rabbi Lawrence Hajioff (8 minutes)
Nov. 17, 2009
Steven Emerson: How Does the 4th Amendment Impact Terror Finance Investigations?
JWisdom.com: If Frank Sinatra married Edith Piaf with Rabbi Y.Y. Rubinstein (2 minutes) Life lessons from what would be regarded as the most inappropriate lyrics ever sung
Nov. 16, 2009
The Jewish Ethicist by Rabbi Dr. Asher Meir : When borrowing is stealing
JWisdom.com: Deconstructing faith with Rabbi Warren Goldstein (9 minutes)
Nov. 13, 2009
JWisdom.com Sarah's subjective reality with Rabbi Sroy Levitansky ( 6 minutes)
Caroline B. Glick: Obama's failure, Netanyahu's opportunity
Nov. 12, 2009
The Kosher Gourmet By Marialisa Calta : A sweet sweet potato treat
JWisdom.com Does God get tired? with Rabbi Harvey Belovski ( 5 minutes)
Nov. 11, 2009
Rabbi Avi Shafran: Jews and money: When anti-Semitism isn't
JWisdom.com Marriages are not made in Heaven with Rabbi Lawrence Hajioff (VERY fast 15 minutes)
Nov. 10, 2009
Michael Doyle: Author of book exposing CAIR ordered to remove supporting documents from Web
JWisdom.com If the creation so loudly shouts the existence of the Creator, why aren't more people believers? with Rabbi Naftali Brawer (9 minutes)
Nov. 9, 2009
Mark Steyn: Shooter exposes hole in U.S. terror strategy
JWisdom.com It's never too late to have a happy childhood with Sarah Chana Radcliffe (5 minutes)
Nov. 6, 2009
Rabbi Berel Wein: Choosing to hear
JWisdom.com Zero to 1/60th: How to Empower An Hour with Gavriel Aryeh Sande (7 minutes)
Caroline B. Glick The mullahs' big week
Suzanne Fields A Fallen Wall for Fallen Man
Nov. 5, 2009
The Kosher Gourmet: Three scrumptious -- but simple -- butternut squash dishes
JWisdom.com Hidden Hints: Unlocking Faith & Prayer with Rabbi Jay Yaacov Schwartz (10 minutes)
Nov. 4, 2009
Tom Hamburger and Kim Geiger: Should prayers be covered?
JWisdom.com When God played peacemaker With Rabbi Sroy Levitansky (5 minutes)
Nov. 3, 2009
Martin Peretz: Beware, Barack. Beware, Rahm. Beware, Axelrod
JWisdom.com Are you are closet idolater? With Sara Yoheved Rigler (10 minutes)
Nov. 2, 2009
Paul Greenberg: The Holocaust is now on Facebook
JWisdom.com Abraham's Strange Change With Rabbi Yitzchok Fingerer (5 minutes)
Oct. 29, 2003
Mortimer B. Zuckerman: Graffiti On History's Walls (MUST-READ!)

Jewish World Review Oct. 19, 2007 / 7 Mar-Cheshvan 5768

The children's crusade — for socialized medicine

By Rich Lowry


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http://www.JewishWorldReview.com | Democrats are altogether too modest in the claims they make for the SCHIP children's health-insurance program. They talk only about what it does to cover needy families with uninsured kids, but never about all the wondrous things it can do for middle-class families with their own private insurance.


The children's health program is the occasion of the biggest domestic-policy dust-up of Bush's presidency. Bush vetoed the Democratic re-authorization of the bill as too profligate. The House upheld his veto, but not without Democrats gleefully portraying the president as an enemy of children's health.


At bottom, the argument is about whether the government will extend public coverage further up the income scale — including to families already with their own insurance — in a push toward national health insurance. All children below the poverty line ($20,650 for a family of four) are eligible for Medicaid. So the argument over SCHIP is not about "poor kids." Congress enacted the program in 1997 to help cover kids whose families aren't poor, but still can't afford insurance, basically in the income range of up to 200 percent of the poverty line.


The Congressional Budget Office says that the rate of uninsured among these kids fell from 22.5 percent in 1996 to 16.9 percent in 2005. Many of these children, if uninsured, would get publicly funded health care anyway, through public clinics and the like. For them, SCHIP makes sense.


The problem is that, as families earn more, they are more likely to have private insurance, and SCHIP lures them from private insurance onto government insurance. In a paper published by the National Bureau of Economic Research, economists Jonathan Gruber and Kosali Simon found that, as eligibility expands, "private insurance coverage is reduced by 60 percent as much as public insurance coverage rises." The CBO estimates that the reduction in private coverage is as much as 50 percent — in other words, for every 100 children enrolled in SCHIP, 50 children are dropped off private coverage.


The technical term for this phenomenon is "crowding out"; the nontechnical term is "socializing medicine." Since the federal government picks up two-thirds of the tab for state-administered SCHIP programs, states have an incentive to expand coverage to better-off families — for every $1 they spend on the benefit, the feds pony up $3.


And expand they have. Fifteen states cover kids and families above 200 percent of the poverty level. New Jersey covers kids up to 350 percent of the poverty level. New York wants to go to 400 percent. By making it explicit that federal SCHIP dollars will fund programs up to 300 percent of the poverty line (and occasionally even higher) and by throwing an additional $35 billion at the program throughout the next five years, the Democratic bill guarantees the program will grow well beyond its original purpose of insuring "near-poor" kids.


This makes sense only as a step toward national health insurance for kids. An astonishing 47.1 percent of children are already eligible, as a matter of their family's income, for government insurance (although other factors, such as immigration status, might make them ineligible). Of children in families between 200 percent and 300 percent of poverty, only 9.8 percent were uninsured in 2005. There are less-sweeping means — like tax credits — to help these families get coverage in the overregulated, and therefore overly expensive, private health-insurance market.


Meanwhile, there are 5.5 million poor or near-poor kids — roughly 60 percent of all uninsured kids — who are eligible for public insurance now, but aren't enrolled in public programs. These unenrolled kids are likelier to come from single-parent or no-parent families and families where all parents are unemployed. They are a hard-to-reach population, but the focus should be on them rather than families with the wherewithal to fend for themselves.


Few things are as destructive of good public policy as outraged invocations of the "children." Democrats probably will benefit politically from their ploy on SCHIP, and advance a goal that goes far beyond low-income kids.

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© 2007 King Features Syndicate

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