Health care, in broad outline, is pretty simple. The free market, for obvious reasons, doesn't do universal. It sells stuff only to people who can pay for it. That’s why, for things like roads, national defense, the postal service, and old-age pensions—all of which we’ve decided ought to be available to everyone—we let the government do the job.
So if you want universal health care—or close to it—you have two options:
- Expand Medicaid or Medicare so everyone is covered. This is the simplest solution, but not all that popular.
- Keep private insurance but with changes. Obviously, if you want universal, that means private insurers have to accept anyone who wants coverage. They also have to charge reasonable prices even to those with expensive preexisting conditions, or else it's just a sham. But that means they'll lose money on those expensive patients, so they have to make up for it by charging more to healthy, low-risk customers. Poor people can't afford this, so the government has to subsidize them. And to make sure insurance companies don't game the system by selling stripped down plans, you have to mandate some level of minimum coverage.
There's no way around this. If you want to broaden access to health care, the requirements unfold with geometric logic. In wonkese, it means you need guaranteed issue, community rating, means-tested subsidies, and essential health benefits.
But conservatives don't like this stuff because (a) it costs money and (b) it requires a lot of government regulation. So they always end up ditching one or all of these requirements and retreating to their standard package: high-risk pools, HSAs, tax credits, interstate insurance sales, and “tort reform.” It's a mantra—and it wouldn't work. But who cares? Conservatives don't want to broaden health care in the first place, so it hardly matters if it works. They just want something that sounds plausible.
That explains why J.D. Vance said this on Meet the Press about Donald Trump's "concept of a plan" for health care:
He, of course, does have a plan for how to fix American health care, but a lot of it goes down, Kristen, to deregulating insurance markets, so that people can actually choose a plan that makes sense for them.”
....We want to make sure everybody is covered, but the best way to do that is to actually promote more choice in our health-care system and not have a one-size-fits all approach that puts a lot of the same people into the same insurance pools, into the same risk pools, that actually makes it harder for people to make the right choices for their families.
Regulating insurance markets is essential to health care reform. Putting everyone in the same risk pool is essential to health care reform. By placing them on the chopping block Vance is saying Trump doesn't want to make sure everyone is covered—but without actually saying it.
But make no mistake: that's what he's saying. Don't let a little bit of wonkese throw you.