Like many Americans, I watched the heart-wrenching account given by Jimmy Kimmel where he described his newborn son's complications. I am glad his son got the treatment he needed; I remember my daughter being in the hospital, and I was tearfully grateful that my daughter could receive the best care in the world even though we faced significant hurdles.

Kimmel is right that nobody plans for disasters like this to happen, and there should be laws to help people like his son get quality treatment. But too many policymakers advocate based on their noble intentions and not the disastrous effects of their policies.

Obamacare has been so disastrous it almost doesn't need an explanation.

More than 5 million people (including me and my daughter) have lost their insurance, and the website remains a punchline. The new insurance offered by the exchanges has more expensive premiums, higher deductibles, and smaller provider networks. Many people in the country are now protected by only one insurer, with more having zero options, and the exchanges have entered a death spiral due to the lack of young and healthy consumers.

Yet opposing this disaster and trying to fix it, according the implications of Kimmel, means that you must hate little babies who need treatment. That is a disingenuous argument that tries to argue for policy based on intention instead of effect. We all want precious family members facing an unexpected illness to get the best care in the world.

As I waited for my daughter to wake up from surgery, I contemplated the humongous bill I expected to receive and thought of ways this could have been avoided. It didn't include massive sets of rules — so many that senate staffers literally needed a wheelbarrow to transport them — that now muck up the market and arrogant assumptions from central planners on what constitutes an eliminated "junk plan."

But it did include many very simple things. I wish I could have taken a small part of each paycheck and deposited it into a health savings account. The government already does this involuntarily for my Federal Insurance Contributions Act taxes. This account could have grown faster than my paltry savings account through government help. They could do this by making it tax sheltered or allowing pre-tax contributions similar to those allowed by a 401k plan.

Like most Americans, I dread doing my taxes, but a tax deduction for my insurance premiums becomes an excellent incentive similar to those offered for buying a house and paying back student loans.

Read the rest of the piece at OpsLens.

Morgan Deane is an OpsLens Contributor and a former U.S. Marine Corps infantry rifleman.

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