The strength of President Bill Clinton's health reform proposal lies i
n its commitment to universal, portable health insurance. To enhance t
he political appeal of his plan, however, the president has forged a c
ompromise between two divergent ethical precepts: (1) that health care
is a social good to be made available to all Americans, on equal term
s, at a financial burden roughly proportional to a household's income;
and (2) that health care is a private good to be financed by househol
ds with premiums that may impose a much heavier financial burden on th
e poor than on the wealthy, even after public subsidies for the poor.
The price of that compromise is enormous complexity, which is probably
unavoidable in these United States.