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	<title>The Fund For Personal Liberty &#187; insurance</title>
	<atom:link href="http://thefundforpersonalliberty.org/tag/insurance/feed/" rel="self" type="application/rss+xml" />
	<link>http://thefundforpersonalliberty.org</link>
	<description>Litigating for YOUR health freedom.</description>
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		<title>Top Ten Myths of American Healthcare</title>
		<link>http://thefundforpersonalliberty.org/2009/08/top-ten-myths-of-american-healthcare/</link>
		<comments>http://thefundforpersonalliberty.org/2009/08/top-ten-myths-of-american-healthcare/#comments</comments>
		<pubDate>Sun, 02 Aug 2009 00:00:15 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Books]]></category>
		<category><![CDATA[book]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[pipes]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=211</guid>
		<description><![CDATA[By Sally C. Pipes

This book presents cogent arguments for a health system in which patients and doctors are able to work together with fewer government intrusions.  Ms. Pipes uses hard numbers and statistics combined with real-life stories and humor to support her take on the Top Ten Myths of American Health Care.  The 190 page book has an open design which lends to a quick read.

]]></description>
			<content:encoded><![CDATA[<p><strong>Online</strong> <strong>version</strong>as a pdf:  <a href="http://liberty.pacificresearch.org/docLib/20081020_Top_Ten_Myths.pdf" target="_blank">The Top Ten Myths of American Health Care &#8211; <em>A Citizen&#8217;s Guide</em></a>, By Sally C. Pipes</p>
<p>This book presents cogent arguments for a health system in which patients and doctors are able to work together with fewer government intrusions.  Ms. Pipes uses hard numbers and statistics combined with real-life stories and humor to support her take on the Top Ten Myths of American Health Care.  The 190 page book has an open design which lends to a quick read.</p>
<p>To purchase the paperback of the book, order from the Pacific Research Institute (San Francisco)</p>
<p><a href="http://liberty.pacificresearch.org/bookstore/top-ten-myths-of-american-health-care-a-citizens-guide">http://liberty.pacificresearch.org/bookstore/top-ten-myths-of-american-health-care-a-citizens-guide</a></p>
<p><strong>Paperback</strong><br />ISBN: 978-1-934276-11-2-52495<br />Price: $ 19.95</p>
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		<item>
		<title>Single-Payer System Will Leave Us Hungry</title>
		<link>http://thefundforpersonalliberty.org/2009/07/single-payer-system-will-leave-us-hungry/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/single-payer-system-will-leave-us-hungry/#comments</comments>
		<pubDate>Sun, 26 Jul 2009 05:21:50 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[singlepayer]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=182</guid>
		<description><![CDATA[What does a single-payer system mean to me?  Fewer choices, less freedom.

The very people who object to having large insurance companies control a majority of the health care dollars are requesting an even larger entity to control all of the health care dollars.  For some reason, a for-profit organization that lavishly rewards the upper management causes a stomach churning reaction among many consumers while a mega-bureaucracy with no incentive program causes calm.  It has the opposite reaction for me.]]></description>
			<content:encoded><![CDATA[<p>What does a single-payer system mean to me?  Fewer choices, less freedom.</p>
<p>The very people who object to having large insurance companies control a majority of the health care dollars are requesting an even larger entity to control all of the health care dollars.  For some reason, a for-profit organization that lavishly rewards the upper management causes a stomach churning reaction among many consumers while a mega-bureaucracy with no incentive program causes calm.  It has the opposite reaction for me.</p>
<p><strong>Groceries</strong></p>
<p>I love grocery shopping.  I have choices and freedom.  In a county of 300,000 residents, I have more choices than could be orchestrated by a central organization. </p>
<ul>
<li><strong>Grocery Store</strong>- Safeway, QFC, etc.  with standard &#8220;American food&#8221; choices.</li>
<li><strong>Mom &amp; Pop</strong> &#8211; Sprinkled about are tiny stores with higher prices, but convenient locations that can save a gallon of gas.</li>
<li><strong>Niche Groceries</strong>- Asian market for Chinese/Japanese/Filipino ingredients, Health Food store with more varieties of produce than imaginable.</li>
<li><strong>Coop</strong> &#8211; Collectives of like minded individuals who make bulk purchases from wholesalers.</li>
<li><strong>Farmers&#8217; Market</strong>- I know of at least two organized markets in addition to occasional roadside vendors.</li>
<li><strong>24Hour Convenience</strong> &#8211; That would include gas station stores.</li>
<li><strong>Membership Store</strong> - Costco offers few items in bulk.</li>
</ul>
<p>Every single household has direct control of their grocery dollars and we get choices.</p>
<p><strong>Health Care</strong></p>
<p>In the same county, we have a couple of hospitals, some large doctor&#8217;s groups, a few doctors in lone or small private practices, and a variety of &#8220;alternative&#8221; health care providers.  Health care is not as accessible as groceries, yet everybody needs some health care at points in their lives, just as we all need groceries. </p>
<p>The limited variety of options is a direct result of the fact that the majority of the health care dollars are not controlled directly by the consumer, they are controlled by either insurance companies or government insurance (Medicare/Medicaid).  Additionally, compliance burdens put on all levels of the health care industry directly cause increases in overhead that translate into less for the consumer.</p>
<p>As an example, the author experienced this firsthand when a simple medical item, a catheter used by my paraplegic daughter for bladder management, was moved behind the counter.  The item cost went from $0.10 (ten cents) each to requiring a urologist to write a prescription and having a highly trained pharmacist dispense the item that now cost $1.00 (one dollar) each. </p>
<p><strong>First Class Mail</strong></p>
<p>Just this week I experienced the efficiency of the US Postal Service.  A vendor used Priority Mail to send business envelopes from Kentucky to both Washington State and Southern California on Monday, July 20, 2009.   The USPS website estimated a 2 day delivery.  The Washington letter arrived three days later on July 23, 2009 and the California letter arrived four days later on July 24, 2009.  There was no delivery tracking, no return receipt, just simple, expedited letters.  No competition, no hurry.</p>
<p><strong>Single-payer and Single-provider</strong></p>
<p>Our country is filled with people and businesses who are willing to compete for your dollars.  When they have to compete for a large number of individual customers (like those selling groceries) they must work hard to satisfy the niche they have chosen.  When the number of customers dwindles to a few major private insurers and Medicare/Medicaid then there is a natural decline in choices.  Similarly, when an entity is a single-provider (like the USPS) they have little incentive to exceed its customers&#8217; expectations.</p>
<p><strong>Keep the debate open</strong></p>
<p>Let&#8217;s keep the debate open on how to improve our imperfect health care system.  Let&#8217;s find ways to restore individual control of health care dollars and allow more provider options so we need not hunger for health freedom.</p>
<p>by Martha de Forest, Executive Director</p>
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		<title>Obama has easy out on single-payer system</title>
		<link>http://thefundforpersonalliberty.org/2009/07/178/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/178/#comments</comments>
		<pubDate>Sun, 26 Jul 2009 03:31:29 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[npr]]></category>
		<category><![CDATA[singlepayer]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=178</guid>
		<description><![CDATA[Interesting article in which Obama is quoted as saying, &#8220;If I were starting a system from scratch, then I think that the idea of moving towards a single-payer system could very well make sense.  That&#8217;s the kind of system that you have in most industrialized countries around the world. The only problem is that we&#8217;re [...]]]></description>
			<content:encoded><![CDATA[<p>Interesting article in which Obama is quoted as saying, &#8220;If I were starting a system from scratch, then I think that the idea of moving towards a single-payer system could very well make sense.  That&#8217;s the kind of system that you have in most industrialized countries around the world. The only problem is that we&#8217;re not starting from scratch.&#8221;</p>
<p>Obama has created the perfect political escape from a single-payer health plan by pointing out that we already have a system in place. </p>
<p><a href="http://www.npr.org/templates/story/story.php?storyId=106969104&amp;ft=1&amp;f=1007&amp;sc=YahooNews" target="_blank">NPR &#8211; Single Payer Not on Table</a></p>
]]></content:encoded>
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		<title>7/24/09 CATO Daily Podcast &#8211; Healthcare Costs and Spending</title>
		<link>http://thefundforpersonalliberty.org/2009/07/72409-cato-daily-podcast-healthcare-costs-and-spending/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/72409-cato-daily-podcast-healthcare-costs-and-spending/#comments</comments>
		<pubDate>Sat, 25 Jul 2009 01:27:42 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=167</guid>
		<description><![CDATA[Michael F. Cannon discusses the consequences of creating a fixed health insurance premium and its effect on healthy vs. unhealthy people.]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"> <object id="player" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="228" height="195" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="name" value="player" /><param name="allowfullscreen" value="true" /><param name="flashvars" value="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaelfcannon_conflatingandcontainingcostsandspending_20090724.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_cannon.jpg&amp;duration=316&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" /><param name="src" value="http://www.cato.org/jwmediaplayer44/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="228" height="195" src="http://www.cato.org/jwmediaplayer44/player.swf" flashvars="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaelfcannon_conflatingandcontainingcostsandspending_20090724.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_cannon.jpg&amp;duration=316&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" allowfullscreen="true" name="player"></embed></object></p>
<p style="text-align: center;">July 24, 2009: &#8220;Conflating and Containing Costs and Spending&#8221; featuring Michael F. Cannon</p>
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		<title>7/24/09 CATO Daily Podcast &#8211; Why Rush on Health Care Reform?</title>
		<link>http://thefundforpersonalliberty.org/2009/07/72409-cato-daily-podcast-why-rush-on-health-care-reform/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/72409-cato-daily-podcast-why-rush-on-health-care-reform/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 23:15:57 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=165</guid>
		<description><![CDATA[Michael D. Tanner discusses the advantages of taking time crafting health care reform.  There are many proposals on the table and this issue deals with 1/6 of the US economy.]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"> <object id="player" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="228" height="195" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="name" value="player" /><param name="allowfullscreen" value="true" /><param name="flashvars" value="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaeldtanner_whyrushonhealthcarereform_20090724.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_tanner.jpg&amp;duration=304&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" /><param name="src" value="http://www.cato.org/jwmediaplayer44/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="228" height="195" src="http://www.cato.org/jwmediaplayer44/player.swf" allowfullscreen="true" flashvars="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaeldtanner_whyrushonhealthcarereform_20090724.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_tanner.jpg&amp;duration=304&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" name="player"></embed></object></p>
<p style="text-align: center;">July 24, 2009: &#8220;Why Rush on Health Care Reform?&#8221; featuring Michael D. Tanner</p>
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		<title>7/20/2009 CATO Daily Podcast &#8211; Democrats&#8217; Health Reform Plans Won&#8217;t Cut Costs</title>
		<link>http://thefundforpersonalliberty.org/2009/07/7202009-cato-daily-podcast-democrats-health-reform-plans-wont-cut-costs/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/7202009-cato-daily-podcast-democrats-health-reform-plans-wont-cut-costs/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 23:07:27 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[obama]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=162</guid>
		<description><![CDATA[Michael F. Cannon explains the difference between healthcare costs and expenditures.]]></description>
			<content:encoded><![CDATA[<p style="TEXT-ALIGN: center"> <object id="player" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="228" height="195" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="name" value="player" /><param name="allowfullscreen" value="true" /><param name="flashvars" value="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaelfcannon_democratshealthreformplanswontcutcosts_20090720.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_cannon.jpg&amp;duration=433&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" /><param name="src" value="http://www.cato.org/jwmediaplayer44/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="228" height="195" src="http://www.cato.org/jwmediaplayer44/player.swf" allowfullscreen="true" flashvars="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaelfcannon_democratshealthreformplanswontcutcosts_20090720.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_cannon.jpg&amp;duration=433&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" name="player"></embed></object></p>
<p style="TEXT-ALIGN: center">July 20, 2009: &#8220;Democrats Health Reform Plans Won&#8217;t Cut Costs&#8221; featuring Michael F. Cannon</p>
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		<title>7/16/09 CATO Daily Podcast &#8211; Canadian Health Care</title>
		<link>http://thefundforpersonalliberty.org/2009/07/71609-cato-daily-podcast-canadian-health-care/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/71609-cato-daily-podcast-canadian-health-care/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 23:02:46 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=160</guid>
		<description><![CDATA[Sally Pipes of the Pacific Research Institute shares her firsthand experiences with Canadian healthcare and suggests how we may avoid some of Canada's mistakes.]]></description>
			<content:encoded><![CDATA[<p style="TEXT-ALIGN: center"><object id="player" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="228" height="195" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="name" value="player" /><param name="allowfullscreen" value="true" /><param name="flashvars" value="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fsallypipes_thecanadianhealthcareexperience_20090716.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fdailypodcast%2Fimages%2FCDP.jpg&amp;duration=461&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" /><param name="src" value="http://www.cato.org/jwmediaplayer44/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="228" height="195" src="http://www.cato.org/jwmediaplayer44/player.swf" allowfullscreen="true" flashvars="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fsallypipes_thecanadianhealthcareexperience_20090716.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fdailypodcast%2Fimages%2FCDP.jpg&amp;duration=461&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" name="player"></embed></object></p>
<p style="TEXT-ALIGN: center">July 16, 2009: &#8220;The Canadian Health Care Experience&#8221; featuring Sally Pipes</p>
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		<title>7/15/09 CATO Daily Podcast &#8211; Increasing Choice and Competition</title>
		<link>http://thefundforpersonalliberty.org/2009/07/71509-cato-daily-podcast-increasing-choice-and-competition/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/71509-cato-daily-podcast-increasing-choice-and-competition/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 22:56:58 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=158</guid>
		<description><![CDATA[Michael D. Tanner discusses health care reform ideas that would increase choice and competition.  Ideas include allowing consumers to purchase insurance across state lines and offering the same tax breaks for individuals as corporations for purchasing insurance.]]></description>
			<content:encoded><![CDATA[<p style="TEXT-ALIGN: center"> <object id="player" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="228" height="195" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="name" value="player" /><param name="allowfullscreen" value="true" /><param name="flashvars" value="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaeldtanner_choicecompetitionshoulddrivehealthcarereform_20090715.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_tanner.jpg&amp;duration=319&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" /><param name="src" value="http://www.cato.org/jwmediaplayer44/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="228" height="195" src="http://www.cato.org/jwmediaplayer44/player.swf" allowfullscreen="true" flashvars="file=http%3A%2F%2Fne.edgecastcdn.net%2F000873%2Fdailypodcast%2Fmichaeldtanner_choicecompetitionshoulddrivehealthcarereform_20090715.mp3&amp;image=http%3A%2F%2Fwww.cato.org%2Fpeople%2Fimages%2Fcdp%2Fcdp_tanner.jpg&amp;duration=319&amp;skin=http://www.cato.org/jwmediaplayer/nacht/nacht-nobutton.swf&amp;icons=false&amp;type=sound" name="player"></embed></object></p>
<p style="TEXT-ALIGN: center">July 15, 2009: &#8220;Choice, Competition Should Drive Health Care Reform&#8221; featuring Michael D. Tanner</p>
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		<item>
		<title>6/24/09 CATO Daily Podcast &#8211;</title>
		<link>http://thefundforpersonalliberty.org/2009/07/62409-cato-daily-podcast/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/62409-cato-daily-podcast/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 22:45:31 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=154</guid>
		<description><![CDATA[David A. Hyman discusses how true Medicare administrative overhead is obscured and the difficulty in comparing the full costs of government insurance with private insurance.]]></description>
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<p style="TEXT-ALIGN: center">June 24, 2009: &#8220;Controlling Costs in a Government-Run Health Plan&#8221; featuring David A. Hyman</p>
]]></content:encoded>
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		<item>
		<title>6/18/09 CATO Daily Podcast &#8211; False Health Care Choice</title>
		<link>http://thefundforpersonalliberty.org/2009/07/61809-cato-daily-podcast-false-health-care-choice/</link>
		<comments>http://thefundforpersonalliberty.org/2009/07/61809-cato-daily-podcast-false-health-care-choice/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 17:48:29 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Audio]]></category>
		<category><![CDATA[cato]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[medicare]]></category>

		<guid isPermaLink="false">http://thefundforpersonalliberty.org/?p=140</guid>
		<description><![CDATA[Rep. Paul Ryan discusses how the government controls the health care "game" and is able to out-compete the private sector.]]></description>
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<p style="TEXT-ALIGN: center">June 18, 2009: &#8220;Obama&#8217;s False Health Care Choice&#8221; featuring Rep. Paul Ryan</p>
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