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US House Democrats Unveil a Health Care Plan
gollum123 sends in this piece from a political blog in the NY Times. Here is the text of the bill in question (PDF). "House Democrats on Friday answered President Obama's call for a sweeping overhaul of the health care system by putting forward [an] 852-page draft bill that would require all Americans to obtain health insurance, force employers to provide benefits or help pay for them, and create a new public insurance program to compete with private insurers — a move that Republicans will bitterly oppose. ... But the chairmen said they still did not know how much the plan would cost, even as they pledged to pay for it by cutting Medicare spending and imposing new, unspecified taxes. The three chairmen described their bill as a starting point in a weeks-long legislative endeavor that they said would dominate Congress for the summer and ultimately involve the full panorama of stakeholders in the health care industry, which accounts for about one-sixth of the nation's economy. ... House Republicans, who have had no involvement in the development of the health legislation so far, quickly denounced the Democrats' proposal as a thinly disguised plan for an eventual government takeover of the health care system. ... The House Democrats' plan is one of three distinct efforts underway on Capitol Hill to draft the health overhaul legislation. In the Senate, both the Finance Committee and the health committee have separate bills in the works, and in recent days those efforts seem to have stumbled."
Of COURSE they don't know how much a voluntary insurance plan is going to cost, since they can't FORCE you to sign up for it! Blue Cross doesn't know how much their plan costs in advance either.
every _exit() is the same, but every clone() is different.
Is that the House Democrats are essentially following the blueprint for Healthcare provided by Republican Mitt Romney in Massachussetts. So far, the Massachusetts model has pretty much worked, in that, they did reduce the number of uninsured significantly. However, costs for the state provided side of the plan have come in way more than anyone either promised or expected. Quite frankly, the expansion of the health insurance pool did not increase the economies of scale and drive down costs for everyone. Now everyone just has procedures that they cannot afford done.
The other irony is that Obama's said to be considering the McCain plan's idea of taxing health care benefits and requiring employers to purchase it.
This is my sig.
Canada has "socialized medicine" and they spend 10% of their GDP funding it. The USA has a tangled hodgepodge of insurance companies that deny valid claims, overpay their CEOs, and refuse any coverage of any pre-existing conditions, and they spend 15% of their GDP funding it, while also bankrupting countless families without enough insurance. Great Britain has the National Health Service, and they spend 7.5% of GDP funding it.
Tell me how the US can't do better than Canada and England. No really, how could we suck badly enough to be worse than Canada at national health care?
Just another "DOJ fascist authoritarian totalitarian bootlicker" -- Zeio
I ain't registering for a goddamn thing
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In the glorious and free country of the United States a citizen's decision to register for government-mandated healthcare is absolutely and completely voluntary.
Being forced to pay for those that do register, however, is another story.
Seriously. I can't understand why anyone would expect a decent economic discussion on a semi-technical website full of wild-eyed conspiracy theorists, Ron Paul anti-government Libertarians, and other zealots who interpret forceful opinion as actual fact.
Economics IS a difficult subject to understand, let alone interpret correctly. Even professional economists who do nothing but study the economy often get things wrong. Yet, everyone talks about the economy as if they are the expert and they actually know what's going on, even if they've had zero education on the subject.
The question you have to ask yourself is, do you think access to health care is a right or do you think that it is just another commodity to be bought and sold. If you say health care is a right then you have to be willing to pay for everyone to have it, it will be expensive, very expensive. If you think it's a commodity then you need to admit that poor people don't deserve to see doctors, or deserve a substantially lower quality of care from understaffed and overwhelmed free clinics.
I happen to think health care is something society needs to provide to everyone equally. I know where the money can come from without raising taxes too. I have my eye set on the bloated defense budget. Cut the military fully in half (by dollars spent) and we'd still have the best armed forces in the world for DEFENSE of the nation and we'd have the money to take care of every sick and injured man woman and child.
There are other things we can do to reduce costs as well such as approve the use of drugs that are already available in Europe and Canada and have been proven safe, and reform the liability insurance system.
Anti-government I am. Not an economist by far. But even a fucking moron can see this tripe is designed with the insurance companies profits in mind. Screw the BS. Go ahead and kick the private insurance companies to the side and make it truly government supplied health care. Single ayer with no private companies taking a cut from the pie. There will be waste and corruption no matter what, but leaving private companies involved will double waste, corruption and cost at the bare minimum.
Any time an unpopular social program is established, the government tries to sell it under "special" tax provisions, e.g. only those that enroll have to pay.
Once the issue is mostly forgotten, the program inevitably merges with general government spending and starts drawing money from the general tax pool (e.g. your and my tax dollars).
This ALWAYS is going to happen for a simple reason: if everyone who wanted to enroll in the program could afford to pay for it, there would not be a need for a program in the first place. The sole reason for it to exist is to get those who don't use it to pay for those that do (that is the concept of welfare).
NEVER vote for a program on the basis of it having "special" tax provisions such as pay-as-you-enroll. If you are not willing to accept a government program under the understanding that it will be paid for with general tax dollar's, don't vote for it at all, since that is inevitably what is going to happen after a while.
It's a huge pity, really. We in the US are far better at being anti- or pro- state than we are at being anti- or pro- free market.
Thus, we get grotesque situations where, in order to avoid charges of "socialism" government functions are essentially "laundered" through private sector intermediaries that take their big fat cut and, all too often, deliver seriously subpar results. We would be much better off if we abandoned that charade and, instead, let the state attend to state functions, the private sector attend to private sector functions, and avoided the incestuous interrelations of the two.
And if you can't afford it, you can take yourself a medical vacation to a country where you can. The important thing is that, here, we don't ration our healthcare.
Because if you can't afford healthcare, taking a flight to foreign country and taking days or weeks off your job is obviously within your means! (And I'll bet this is a *great* solution for getting preventative care too!)
Oh, crazy right wingers... One wonders if you ever even talked to someone who is a member of the working poor.
If it's for-profit but free, you're not the customer -- you're the product (e.g., the Slashdot Beta's "audience").
The reason pills are cheaper in countries with socialized healthcare systems is that that the power is in the hands of the very large single buyer. If a pharma wants to sell a drug in significant numbers in Britain they have to negotiate an acceptable price with the NHS. If the NHS doesn't buy, then they'll sell very few of the pills in Britain.
In America, there are countless buyers. Thus a single buyer has little price negotiation leverage.
That's easy. Health company profits are the elephantine waste in the system. The idea of charging "what the market will bear" rather than the lowest possible.
It's astounding to me that right wing Americans object to the governent taking over healthcare on cost grounds when ALL the evidence from other countries is that no one else pays as much for their healthcare than Americans do currently. You HAVE the most expensive system already, you have nothing to fear on cost grounds from learning lessons from the rest of the world.
Here are the real differences between a single payer public health care provider plan and the hodgepodge private health care/insurance system we have now:
1) under a public plan, your health care is decided by a government bureaucrat sitting in a government office. While in a private system, you health care is decided by corporate bureaucrat sitting in a corporate office.
2) under a government plan you, or your employer would send hundreds of dollars in tax money each month to the health a agency to cover care. Under private plans, you or your employer must send hundreds of dollars each month to insurance companies each month to get coverage.
3) Under a government plan you a guaranteed coverage. You are not under private plans.
4) Under a government plans you are essentially covered for life. Under private plans you are limited in the number of claims you can make.
5) From what I have seen, government plans overseas control costs by focusing on preventative care and reward doctors who get patients to quit smoking and lose weight for example. Insurance companies in the us drop patients and increase deductibles.
6) Under a government plan, you and your doctor would have to fill out government paperwork to get benefits paid. Under the private system, each insurance company has it's own form to fill out which requires staff, meaning non-medical overhead, to proper fill out and file the forms in the proper manner.
There, those are are the real differences.
Basically, there are some problems the private sector is poorly equipped to solve. Medical care is one of them. Medical care is less of a free market choice and should be thought of more as an essential public utility. Market forces do not work very well do to the complexity of medical care and the urgency of catastrophic cases making comparison shopping impossible.
putting the 'B' in LGBTQ+
Both offer lower quality service, with rationing, and less access to innovative procedures. The problem with a state run insurance plan is that that the state has never made anything more efficient.
Bullshit. We have lower life expectancy than they do in Canada, England, France, Germany, Spain, Italy, Japan, Australia and virtually any other first world nation you care to name. We have higher infant mortality than any of those nations. And yet, we're paying twice as much.
Governments all over the world are taking much better care of their citizens than we are, and are doing it for less money. Do you really believe that we can't do the same? Do you really think that we're just worse than them?
Insurance (of any kind) is an exchange where you pay a higher average (i.e. expected value) in exchange for a smaller variability in the outcome (statistical variance or standard deviation).
For example, suppose that each year one out of ten people one will incur a $10000 medical expense while the others incur no expense. The average cost is $1000, but there is a wide variability ($0-$10000).
Now suppose an insurance company charges $1100. If you take the insurance your average costs would be $100 higher. However, you have also eliminated variability. You no longer have to worry about being surprised by a $10000 bill. Instead you know exactly how much you will have to pay each year.
For things that have only a small amount of variability (e.g. utilities), insurance does not make sense. However, for things (e.g. house burning down) where there is a small but very real chance (e.g. 1 in 10000) of a very high cost (e.g. $100,000), insurance decreases the risk of financial ruin in case you happen to be the unlucky 1 in 10000.
Yes, but the reason that health care costs are so high in America is that we have the best quality of health care in the world.
You are right, King Hussein of Jordan will come to America for surgery, because we have facilities that offer among the best available care in the world, and they will be happy to take care of King Hussein.
But to say the country has the "best quality of health care" is extremely misleading; that high quality health care may be =offered= in America, but most actual American's don't actually get it when they need it.
What exactly is the value of having high quality health care that you can't actually use?
America still produces fine crafted hardwood furniture too. But most people's homes are furnished with ikea and other particle board and plastic shit. The fact that high quality furniture is available in the country doesn't mean simply being in the country will get you some. Ditto with health care.
Now, I'm not railing against the existance of private health care. If King Hussein wants surgery, he should be able to get it, and there's no reason it shouldn't be in America. But so what? We should still have socialized care too.
Why exactly should serving the worlds rich and famous the best care in the world mean that half the country has no health care at all?
If I am sick, how is that your problem, and what right do I have to force you to pay for my doctor's bills so that I can get well?
You don't. However, most people do not know in advance if they will someday require a million dollar medical treatment. Therefore, it is to their advantage to pay a flat fee into a huge risk-amortization pool managed by US government. To avoid ethical questions about government's use of force, let people opt out of the pool and stop paying any related taxes. However, they will then have to rely on their own private hospitals for treatments, even in emergency. And organ donations made to public system will not be available for private transplants. Let them see if resources of 10 million mega-rich people can buy more MRI machines than resources of 300 million not-so-rich people. And rejoining the pool will not be easy/cheap as it's not fiscally sound to let people join the insurance pool only when they get sick.
So hard-core libertarians get to die on the road after a car accident, knowing that nobody forced them to pay taxes for a public ambulance service. And the rest of us, who think that government services are for emergencies such as fire, disaster relief or cancer and private sector is for extras like iPods, dining out or plastic surgery, get to have some peace of mind.
My COBRA coverage got pulled at about the 1/2 point because my old company was small and both of the spouses had coverage, so at the annual renew time, they just stopped offering health.
After talking with an Insurance rep that I have used for company insurance at a few places, it became clear that my family and I would NEVER get personal health insurance. Currently, I suffer from chronic foot pain (for the past 6 years), my oldest son suffers from depression and bi-polar disorder (for the past 4 years), and my wife gets migraines (from childhood). You can see why an insurance company would not want to touch us, but we still need insurance.
As my COBRA ran out my agent tried to get us on a temporary plan. We know that if we claim the meds that my son and I require, $2,000 to $3000 a month, we will also not be allowed to re-up the temp plan. We decided that we would not claim any of the chronic things that we have to deal with so that we have the plan if we have a major issue, but once we do, we no for sure that we will not be allowed to re-up.
For the temp plan we went with a carrier that haven't been covered by for over 12 years. But we were denied coverage by this carrier because they had on record that...
1) My wife had been treated for headaches.
2) One of my 2 sons had been treated for a sore throat.
OVER10 YEARS AGO!!
Those 2 reasons were all that it took to deny even temporary coverage.
We had to find a carrier that had never insured me and my family before just to get temp insurance.
We are still looking for a permanent option, but as we do our savings are being drained rapidly as we try and cover our ongoing issues. We need to minimize claims to preserve our temp insurance in case of a major issue. Because of that none of us are getting any ongoing treatment, so no one is getting any better. Were stuck with little chance at improving medically, and at this point we have not found an insurer who will offer us insurance at any price.
If you have now, or have ever had anything more that a minor medical issue, your chance of getting coverage as an individual are effectively 0%
I have been looking for work for 2 years, sending out, and following up on at least a dozen job openings ever month (12 is my self imposed min). While the economy is bad I have no idea if I will be able to get a job, and while I am in this catch 22 I am spending more and more of my time trying to find coverage.
In the mean time, I have one of my cars for sale, family jewelry is listed, and while our house is not under water, real estate is not exactly booming either.
I dunno. Does my government really want me to be broke, unemployed, and perhaps homeless, before I can get health care for my family?
Or can they come up with some way for people to purchase coverage, to allow them to get healthy, before they loose everything?
Eschew Obfuscation