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How might such a guarantee increase happiness? It could make people happier by reassuring them that they themselves will be healthier and more financially secure (self-interest), or that others will be (altruism). Yet altruism and self-interest probably cannot explain the “happiness benefits” that people enjoy when governments guarantee health insurance. As I have argued elsewhere, the jury is out on whether broad health insurance expansions like ObamaCare result in better overall health; they may, but it is entirely possible that they would not. The jury is also out on whether ObamaCare will produce a net increase in financial security. It will subsidize millions of low-income Americans, but it will also saddle them with high implicit taxes that could trap millions of them in poverty. Meanwhile, ObamaCare’s new taxes will reduce economic growth and destroy jobs. If such a guarantee doesn’t improve health or financial security, it’s not worth much in terms of altruism or self-interest.
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