Dylan Matthews, apparently a bit surprised that Hayek favored of a scheme of social insurance, offers Ezra Klein’s readers an excerpt, emphasis added, from The Road to Serfdom:
There is no reason why, in a society which has reached the general level of wealth ours has, the first kind of security should not be guaranteed to all without endangering general freedom; that is: some minimum of food, shelter and clothing, sufficient to preserve health. Nor is there any reason why the state should not help to organize a comprehensive system of social insurance in providing for those common hazards of life against which few can make adequate provision.
Matthews goes on to to say:
[I]t’s more than a little jarring to hear [Hayek] invoked in opposition to a health care bill that’s, if anything, less ambitious than the sort of thing he’s talking about here.
At a cosmetic level, there’s something to this. Hayek was open to the idea of mandating the purchase of health insurance on the grounds that “many who could thus provide for themselves might otherwise become a public charge.” But I think it’s safe to say that Hayek would not have supported the recent health care legislation. Why not?
Well, Obamacare builds upon and consolidates some of the worst features of the American health care system from a Hayekian perspective, such as (a) It is more or less illegal to sell actual insurance, and (b) There is at best a grievously hobbled price mechanism in the health care market, if you can call it market.
If Hayek stood for anything, he stood for the importance of the informational function of freely moving prices for both individual planning and effective social coordination. (a) and (b) screw it up bad.
The exact set of regulations governing the sale of health “insurance” varies from state the state, but mostly it’s illegal to price insurance policies according to actuarial risk. At the limit, you have states where it is illegal to charge different people different prices and also illegal to refuse to offer coverage to anyone who applies for it. Hayek has a lot to say about price controls and none of it is good.
As many of you know, our dog recently broke his leg and had surgery that involved installing a plate and some pins. (He’s doing really well, thanks!) Do you know what I got when we came to pick him up? AN ITEMIZED RECEIPT?! I could see what the pins cost! The tube for the IV bag! Can you believe it? Later that week I had a doctor’s appointment at the university hospital and mentioned the itemized receipt to the resident and his supervising physician. Man, did they laugh. “How much does this appointment cost?” Hoo! Good times, good times.
Call a hospital and ask “How much for a hip replacement?” and they’ll almost certainly ask, “What insurance do you have?” This is not what Hayek had in mind in “The Use of Knowledge in Society.”
Prices, prices, prices, prices.
What Hayek had in mind was a competitive market in risk-rated insurance and a competitive market in medical services. No price controls. Let the markets rip. Mandate a certain minimum level of insurance coverage. If you’re uninsurable or can’t afford a policy, then the state pitches in. I’m fairly certain that his idea was nowhere in the neighborhood of making Aetna a quasi-governmental mechanism for redistribution.
Singapore, I think, has the closest thing to the sort of system Hayek had in mind. Among wealthy countries, it spends the smallest percentage of GDP on health care, and it gets about the best results. You know what that’s called? Efficiency. How do you get it? Competitive markets with freely moving prices under the rule of law! It’s the sort of thing you’re in favor of if you want everybody to have access to really good health care and money to spend on things other than health care.