ObPoliticalPost: The May 11, 2008 New York Times printed my LTE (letter to the editor) in response to their earlier article from May 4, 2008, "Even the Insured Feel the Strain of Health Costs". My letter is the fourth one down on this page:

To the Editor:

The skyrocketing costs of health insurance are the result of onerous government regulations, such as mandatory benefits.

Many states require insurance plans to include benefits like chiropractor care or in vitro fertilization. Such mandatory benefits raise insurance costs by about 20 percent to 50 percent, according to the Council for Affordable Health Insurance.

More fundamentally, mandated benefits violate an individual’s right to contract freely with insurers and providers according to his rational judgment for his best interest. Instead, a bureaucrat decides how the individual must spend his own money.

Eliminating these mandates would make health insurance available to millions of Americans who desperately want it but cannot now afford it.

The proper solution to the health insurance crisis is not more government, but a free market.

Paul Hsieh
Sedalia, Colo., May 4, 2008

The writer, a doctor, is co-founder, Freedom and Individual Rights in Medicine.