Another Democratic debate tonight? Enough already. Hillary Clinton has been pushing Barack Obama for more and more debates. But these debates have lost their utility. Do we really need to see the pair bicker once more over health care coverage mandates? That's the only major current policy difference that the two have zeroed in on in their face-offs. They argue their points around and around in a circle like quarrelers in a bad marriage. And they're kinda both right.
If you want to achieve universal coverage at the most efficient price point, then you need as big a pool as possible. That's basic economics. So Hillary Clinton correctly notes that mandates are needed--especially to get into this pool those folks who may not need costly health care. Their premiums will help cover the cost of care for others. That's how insurance works: the more, the merrier.
But Obama has a point when he says that it would not be fair to force people to buy insurance they cannot afford and that may not meet their needs. I recently met someone from Massachusetts--where there now is a health insurance mandate--who complained that she and her husband could not afford the insurance they are mandated to purchase. And, she added, they make just enough money to be beyond qualifying for a subsidy. This couple is considering moving out of the state. Maybe they're over-reacting to the situation. But no one should be compelled to purchase substandard but costly coverage. Consequently, it seems fair to say, "Let's see the policy, before we accept the mandate." No doubt about it, Obama got somewhat trapped in all this. He put out a plan with limited mandates (only for parents regarding coverage for their kids) and was then raised (as in poker) by Clinton. At that point, Obama could not admit he had proposed an insufficient plan. He was forced into a corner--defending the absence of a comprehensive mandate in his plan--and this debate was born.