Daniel J. Mitchell

I’ve written about how Obamacare is a costly boondoggle.

I’ve written how it victimizes childrenlow-income workers, and retirees.

And I’ve explained how it exacerbates the real problem in our healthcare system.

I’ve even pointed out that there’s something good in the law.

But I’ve never bothered to discuss how bad laws usually aren’t as damaging as we think because folks in the private sector often figure out ways to work around some of the most onerous rules created by our overlords in Washington.

For example, some employers have figured out how to avoid Obamacare while still providing health insurance.

That’s the good news. The bad news is that the crowd in Washington is diligently working to make the law worse.

The Wall Street Journal has a must-read editorial on the left’s “crackdown on the booming ObamaCare alternative known as self-insurance.” It starts with a brief description of the ERISA law that allows self insurance – including the fact that those who self insure escape the costly and corrupt state-level mandates that cause regular insurance policies to be needlessly expensive.

Under this model, businesses and many unions bypass commercial health plans and instead pay directly for the medical claims of their workers. Self-insured plans enjoy lower costs and more flexibility because they are insulated from state regulations and mandates under a 1974 federal law known by the acronym Erisa.


Daniel J. Mitchell

Daniel J. Mitchell is a top expert on tax reform and supply-side tax policy at the Cato Institute.