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"Real Universal Health Care"
Upon reading this comment, remarking on Specter's treachery, my interest was piqued. Now that the Dems have the magic 60, one of our local liberal "skeptics" now wants "real universal health care". I am assuming that by "real" he means something along the lines of state-run health care. And I have to ask:
WHY? Why on EARTH would you want such a thing?
I understand that for many on the left, health care isn't an issue of finances or even of medicine, but of morals. They see it as a moral crime that each and every single person in this country doesn't have blue-chip health insurance. I don't understand this argument either - what if a person doesn't want health insurance? what if a person would rather make do with lower-quality health insurance and use the difference in insurance premiums for some other priority? - but let's just concede the point for now. Still, questions remain:
1. Why would you want the state to run it all? If you believe the liberals, the state that they want to run everybody's health care is the same one that, under George Bush, tortured people, spied on innocent Americans, started a pre-emptive war for no good reason, and bungled the response to Hurricane Katrina so badly that lives were lost needlessly. And this is the state to which you want to transfer immense amounts of power over your personal medical decisions?
2. Which medical procedures would and would not be run by the state? How about abortion? Of course, the liberals now in charge would have no qualms in demanding that taxpayers subsidize abortions (even though they should have some qualms). But suppose the next Republican president and Republican Congress reverses that decision - no more taxpayer subsidized abortions. NOW you pro-choicers are in a pinch - no tax money for abortions AND the state runs the entire health care industry! What would women do for abortions then? Would there even be private clinics left after the nationalization of the health care industry imagined by many liberals? Electing Republicans, in this case, would be effectively equivalent to the outlawing of abortion. Do you really want availability of abortions to be subject to the result of the next election? Are you that confident that you will always be able to elect pro-choice Democrats forever? And the same argument can be made for any controversial procedure - fertility treatments, etc.
3. Now, admit it - you have bad habits. We all do. For my part, I drink too much beer and eat too much red meat. Whatever your bad habits happen to be, they undoubtedly have some adverse health consequences. (That's why the habit is a bad one.) Should taxpayers bail you out of your poor choices? We have seen the aftermath of Bailout Nation and it is not a pretty one. When the state bailed out banks, what did they do? Did they use the money to correct their problems? No they used the money buy up other banks, thereby exascerbating their problems. And when the state bailed out the car industry, what did they do? Did they reform their practices? No, instead the state got even more deeply involved in the operation of the car industry, going so far as to fire the CEO of GM and to guarantee car warranties (I guess I missed the 'car warranty clause' of the Constitution, but it's apparently in there somewhere right next to the 'abortion clause'). We should learn from these experiences, not repeat the mistakes. Based on these cautionary tales, what will happen when the state tries to bail out individuals from their poor health care choices?
(a) The individuals will be allowed to go right on engaging in the bad habits (like the banks), which will lead to public outrage that 'less deserving' individuals are receiving scarce tax dollars for expensive medical procedures; or
(b) The individuals will be scrutinized to within an inch of their lives (like the car makers), leading to an incredible loss of personal autonomy and freedom over one's decision-making power.
There really isn't another alternative here. What will happen when I, after years of beer drinking and cheeseburger eating, demand to get a 'free' heart transplant and 'free' liver transplant? Do you think I'll get them, no questions asked, no repercussions, and without controversy? If so you are living in fantasy land. And the same can happen to anyone with bad habits, and that would be everyone.
So I am truly at a loss to explain why so many liberals are so enthusiastic about state-run health care. It would seem to me that such a proposition leads to so many illiberal results.
Here is a better, if naive, suggestion: The state can simply hand out $3,000 each year to each man, woman and child in the nation for the purpose of buying health insurance. A rough cost estimate, based on 300 million people, would be $900 billion annually. For a family of four that corresponds to a health insurance premium of $12,000 per year, which is close to average in this country. Sure that's a lot of money but it would undoubtedly be cheaper, both in dollars and in liberty, than state-run health care:
- It satisfies objection number 1: no bungling or oppressive government will be running health care. It will remain private.
- It satisfies objection number 2: no need for the state to get into the business of deciding which procedures are subsidized or not, that would be entirely up to the individual when they decide which health insurance policy that they get.
- And it could be structured to satisfy objection number 3 as well, as long as the state didn't nannify the subsidy.
It's not perfect but it's a great deal better than letting the state run it all.


Comments
PNC bought up National City.
this was by all accounts a good and wise investment by a sane player -- bank of the year in 2008.
they used bailout money to pick up an insolvent player in their same marketplace, therefore increasing market share, and picking up some tax deferrals to boot.
Not every bank is Wachovia, and Wachovia didn't use TARP money to buy up socal banks at the top of the market.
banks
Some bank purchases may or may not have been wise decisions. The point is, however, that banks didn't use the TARP money the way they were instructed to, i.e., to clean up their toxic assets and to "start lending again". They used TARP to further their own agendas. In analogy to health care, that would be equivalent to beer-drinking me getting a liver transplant, being instructed to lay off the sauce, but regardless I go right back to drinking beer again. The public won't tolerate such nonsense when they are the ones paying the bill.
the spreads are down
do you read calculated risk? he keeps track of this shit, and it's nowhere near as scary out there right now as it was. still not precisely good, but at least commercial paper is out there.
$3,000??? that's three months insurance, man!
three months! This seems utterly, utterly unrealistic. Were you perhaps providing something more like a 75% subsidy, that I could see. I'd willingly pay $250 for health insurance per month
My primary concern with private insurance is that it isn't at all close to a free, open market. I can't tell when I sign up whether they will pay for a miscarriage, or for any other expensive procedure. Many health insurance companies have policies to deny coverage, to stall and delay coverage on high medical procedures...
I have non-profit health care insurance. They were willing to create a nonstop healthcare emergency rather than allow a standard dispensation of medically necessary allergy pills.
Sorry to hear about your...
medical (allergy) condition & lousy insurance. Does Walmart carry that prescription?
I will agree with you that medical insurance is VERY hard to understand. I get a paperpack, letter sized book 200 pages long every year with the details of my plan. I still couldn't tell you exactly what is actually covered, and how much a procedure will cost until after I get the bill from the doctor, and then the EOB from the insurance company.
I do know that company sponsored insurance rates are based on past history & the age of the employees. I guess that's why actuaries are so well paid (they work to make the insurance company a profit by quantifying the risk). My company president & HR department have to negotiate how much coverage they will offer, copays, and exclusions EVERY year. I hear it's a time-consuming process. What they come up with isn't perfect - it's quite average - but I appreciate their due-diligence tremendously... and the fact they still offer the plan!
Though I'd rather have all those decisions up to me, the last people I'd trust are bureaucrats.
IMHO, health care is not a right, it is a decision.
I would concede some ground to allow gov't sponsored catastrophic insurance, but that's as far as I would go. In fact, that may even bring the cost of HSA insurance down to where I'd take that instead of company-sponsored health insurance.
with the help of a former publicity agent
it's been... taken care of. for now,at any rate. once I lose my job, it's all up in the air again. Walmart does not carry that prescription.
Health care becomes a "right" when it is liable to interfere with other people's health. at which point, you not helping yourself is equivalent to letting you wound ten other people. Which is dumb, if the gov't lets you do it. [same as the gov't letting you disobey traffic laws.]
How many children are you willing to let die from a toothache? These are hard questions to answer, but I think we can do it, by working together on them...
toothaches and kids
You ask this question as if I should have any say in the matter outside of my immediate family. I shouldn't.
Chemjeff, let's address this.
On a moral scale, one could say that the poor should not be paying much, much more than the rich for their health. In fact, this was the case in the 1950's -- lowest quintile paid the least. If you can come up with a freemarket system where this is conserved, you'll have solved the moral problem (which is good, because claiming the moral high ground is good. plus Health Care that you can Afford sounds shiny!)
On a national security scale, people who are sick or immune compromised (be that from gingivitis or heart disease) are more likely to get sick from contagious diseases -- and without proper treatment they may make others sick as well. Someone who doesn't visit the doctor will NOT be our Patient Zero, as they will have fallen through the cracks. We can't afford to not track people using the CDC -- one person who refuses to go to the doctor could be our Typhoid Mary.
Continuing, parts of our health care infrastructure may be irretrivably compromised by people who refuse to buy health insurance. As health care is a leading cause of bankruptcy, many of these people -- who wind up in emergency rooms across the country - do not actually pay for the costs of their negligence (or lack of a job). This causes many hospitals, particularly in poor areas, to be inundated by people -- leading in the short term to choked emergency rooms, and in the long term to hospital bankrutpcy.
Finally, on a cost-savigns scale, we stand to gain up to 6% of our GDP from efficency savings by switching to a "single-payer" model. America consistently has the most expensive medical plans in the world, and it rates far from the top in terms of how good our health care is.
So it's not really individual health that's important...
it's national health that's important. Meaning the goal is to keep everyone healthy by tracking those that are a high risk. I'm referring to this statement:
So, you're jumping from giving those who are disadvantaged and can't afford healthcare (and those that just don't want to pay for it) all the way over to enforced doctor visits & check-ups. It's looking like 1984... I mean... it must be worth it for "national security" (/sarcasm).
Do you own a lot of biotech/pharm stock or something? Waiting for some upcoming gov't contracts to pay off?
well, I'm addressing it there as a national security issue
with national security implications. At some point, high risk individuals create a large amount of risk for the rest of the community. And loss of communities creates a national defense headache of monumental proportions. And we haven't even gotten into what would happen with Just in Time Shipping if, say, 25% of kids got sick, really really ill. Let alone 25% of the drivers!
It's hard to think of a consultant that makes $1000 a month to spend on health care. That's more than half of my monthly budget, for goodness sakes! So it isn't just the disadvantaged anymore -- I know plenty of consultants and independent businessmen, who want to provide health care, but can't afford it (e-mail kos if you don't believe me, he can give you the schpiel).
Am I talking about enforced doctor visits? Not unless you are diabetic, and thus unlikely to notice if your fucking foot is rotting off. I am talking about enforced immunizations, as a bare minimum. And a persistent effort to get people out of "high risk" categories. Maybe by teaching people how to brush their fucking teeth?
Not everything needs to be 1984 to have good health consequences.
Oh, and it was apparently 1984 when hoover's tent villages were regulated to have pit toilets... right.
RT - You're so all over the place...
And you're exagerating. I'll keep it short and agree with Chemjeff about using the "national security" as an excuse to allow the government many more freedoms and me less.
Seriously ma'am? Have you looked into a high deductible plan? Less than one grand a month ain't much to live on in Mr. Roger's Neighborhood.
Or maybe a change of careers?
tim, I don't do consulting.
the chilling effect of substandard health care on small business creation has been well documented, on this site and others (ask the bloke with the dry cleaners business down in 'bama).
http://thecreativecareer.com/2009/03/30/us-healthcare-system-undermines-...
I run a tight ship, and a relatively conservative budget by design. However, $1000 a month for a decent health care plan is ... unreasonable. And that's what the fair market value of what I get for $200 a month is.
Democrats created substandard healthcare
Democrats created substandard healthcare and have plans to make it worse:
http://www.forbes.com/forbes/2009/0511/017-opinions-steve-forbes-the-fig...
I'll give him credit for trying. He's still not doing much
to stem the 5+% growth rate of corporate profits -- which is what caused the fucking problem in the fucking first place.
And why his plan won't work.
You see, corporations exist to make profits. And, in health care, you don't make more profits through innovation NOR through providing care to more people. You make it by systematically denying people care. It's called Death by Spreadsheet, and you should hear what Blue Cross Blue Shield has to say about Michael Moore's movie on it. I don't trust Moore, he's a showman and a shmuck. But I rather trust what leaks out of BCBS on the subject.
Forbes does not show how Democrats created hedge funds, nor how Democrats classified Health Care! as a growth industry....
health care
To me, the "fair" outcome would be that sick people pay more in health care expenses than healthy people, regardless of relative wealth. Comparisons to the supposed halcyon days of the 1950's are specious for a number of reasons - we are more urban now, we have a different diet, we have more sedentary and less active professions, we are better able to diagnose and treat disease (leading to higher health care costs, since before people would just die, which is cheaper); etc., etc. All of these things are intertwined with health care expenses. Do you really want to go back to the 1950's? Then get rid of the MRI's, the pharmaceuticals, the desk jobs, and break out the penicillin, the manual labor jobs, and the rural living. I'm sure if we did that then our health care expenses would go down. Is this what you really want? (Oh and no internet. Sorry.)
So what are you going to do about it? Force people to go to the doctor? Some people have religious objections, but even disregarding those cases, you are illustrating precisely one gigantic danger of state-run health care: when the state pays the bills, it then believes it has the right to tell you the terms by which you will receive health care. Mandatory preventative care? Is this what you envision? That is simply not compatible with a free society.
Also, I refuse to classify all of health care as a "national security issue". Me needing a liver transplant after years of drinking beer is not a "national security issue". When conservatives try to frame every pet conservative issue in terms of "national security" in order to better justify it, it was wrong; it's wrong when liberals do the same thing with their pet liberal issues.
This is going to sound harsh, but it's true: for the most part, people who go bankrupt over health care expenditures have not been good stewards of their finances to begin with. Doctors and hospitals are willing to negotiate payment plans, and if you can't keep up with the payments, it means that you are already swimming in a pool of debt regardless of the doctor bills. If you want to reduce health care related bankruptcy, why not ask people generally to live within their means, so that if a medical disaster occurs, they are financially prepared for it?
Why not make them pay? I'm all about people paying legitimate debts. And if you are worried about hospitals in poor areas becoming inundated by people, why do you think state-run health care would alleviate that problem?
This efficiency savings argument is bogus for a number of reasons. First, private insurance companies compete against one another (which is good), but these expenditures aren't directly related to health care costs, so they are counted as an "inefficiency". Second, private insurance companies seek and reimburse doctors who are actually competent at their jobs, and place those in their PPO/HMO networks. This is also counted as an "inefficiency" since money is spent on something other than drugs and scalpels. On the other hand, government reimbursements, such as with Medicare, are required by law to reimburse anyone who submits a claim, regardless of the relative competency of the doctor.
But really that's just besides the point. How much is your liberty worth? Apparently it's only worth 6% to you. Quite frankly I am less concerned about the system as a whole, and way more concerned about individuals and their liberty.
A couple of questions
Your points are persuasive about the potential downside of state-run healthcare, but I have a question about pre-existing conditions. Many people are simply unable to buy private policies now at any price, because of pre-existing conditions that make them uninsurable by the insurers' standards. How would your plan provide coverage for those people? If this were to replace Medicare coverage for seniors (which has to be the most costly age group in terms of healthcare?) wouldn't that increase the number of uninsurable (and therefore uninsured) people, given the insurers' standards?
uninsurable
Acinphx, I am not wedded to this particular plan. The overall point, though, is that we must avoid the pitfalls associated with state-run health care, and something like a direct subsidy (or tax credit, or something) is IMO the best way to do it. As far as the "uninsurable" go, if liberals insist that every person must have health insurance, then people who are uninsurable in a private market become de facto wards of the state.
Fair enough, but as the
Fair enough, but as the population ages and a majority of seniors are considered uninsurable, it seems we'd be back to where we are now (for all intents and purposes) with the current Medicare and Medicaid rolls still receiving 'government-run' healthcare.
You correctly point out the core public policy decision to be made by Congress: should every American have health coverage? Everything flows from resolving that question.
universal coverage
That question has been answered at the ballot box. The liberals are in charge, and they are bound and determined to force health insurance onto everyone whether we want it or not. I am simply pointing out that advocating for it will lead to some very illiberal results. Such as, subjugation of individual liberties to the collective will, and overweening government power into important decisions in our lives.
not as much as you think...
though I'd love to help you advocate for some sane "restrictions" on the public option. So long as you're advocating for the public option, that is ;0). There does seem to be a large risk that the public option might price out all of the private options by acting like a monopoly. It appears to me that we already have/had laws that were designed to help regulate businesses so that they don't turn into monopolies. How applicable do you think they'd be in this case?
monopoly health care
No I'm not advocating for the "public option". I don't think health care should be run by the state, period, end of story.
Dude, the state IS a monopoly! OF COURSE it will price out all of the other options. Then we will be dependent on the state for all of our health care.
The government is the one which writes the laws against monopoly. Therefore they would not be applicable.
accuweather still exists, despite being a paid service
where there is a free and more accurate alternative called the National Weather Service.
I think that provides a decent counterexample, showing that you can persuade other folks to use something that will cost more and provide less.
move the overton window, man.
Fix health insurance by less regulation
Simple answer: Catastrophic health care.
We are paying higher health care prices because of OVERREGULATION of the healthcare industry on a number of levels. One level is the insistence on throwing too much into health insurance and not allowing a true free market there.
People are 'uninsurable' only because of regulations that create holes in the marketplace. Some things we need to do to reduce the holes:
- allow people to get health insurance from any of the 50 states
- allow bare-bones health insurance; take out mandates that drive up the cost of health insurance
If we allowed a true free market with a backstop of Govt supplied catastrophic health insurance for those who cant get it anywere else, we could take care of everyone in the US and DRAMATICALLY reduce taxpayer costs and overall healthcare costs.
Democrats will have none of it of course, wedded as they are to a 'solution' that will destroy innovation, choice and quality in healthcare, all to help a fraction.
Some thoughts on it from Steve Forbes.
http://www.forbes.com/forbes/2009/0511/017-opinions-steve-forbes-the-fig...
bizarro world
I love how the healthcare debate focuses on government run healthcare.
Last time I checked, people don't decide there medical fate:
You would rather have somebody who's simply trying to make a profit off you make your health decisions instead of a public option or single payer that would vastly broaden your choices. The cost to make a 200 page book with coverage details is why health insurance is expensive. Administrative costs and industry profits is what makes healthcare coverage so damn expensive. A public plan or universal coverage isn't seeking a profit.
Doctors, medical equipment manufacturers, even big pharma provide something of value to make a profit off of. Insurance companies are unwanted meddlers. They get between you and your choices.
I must be in bizarro world. All the developed countries offer universal coverage, but their healthcare costs are less per capita, per person, and overall than ours is.
The free market, after its victory over President Clinton, proceeded to cover less people, provide less coverage, less efficiently and for exponentially more money. Why do you love the bad deal your getting?
I mean really, bizarro world.
sigh
Skayne, did you even read what I wrote? Whether single-payer would "broaden my choices" is not the issue. The issue is the loss of liberty and the very real dangers associated with state-run health care. I mean really, do you want the same government which spied on its own citizens (and still does, BTW) to be in total and complete charge of your health care? Doesn't that creep you out even just a little bit?
Also I must have missed the part where I defended the status quo. If you don't want to deal with evil health insurance companies, then don't. I'm not the one who wants to force health insurance on to you whether you want it or not. I want you to be in charge of your health decisions, as long as I too am in charge of my own health decisions.
Furthermore I'm not hostile towards anyone making a profit off of me. Or off of you, for that matter. There's nothing obscene or immoral with people making a profit in health care.
sigh
Did you read my post? What liberty do you have when a company tells you what they're going to give you and what doctors you're going to see.
Insurance companies provide insurance, not care. A public plan will give you insurance, not care.
Care is provided by doctors, equipment manufacturers provide equipment, big pharma provides medicine.
What does insurance companies do? Insurance companies gouge you for very little insurance.
health insurance
Skayne,
If you hate insurance companies so much, why don't you choose not to do business with them? I'm willing to let you live your life however you want. You, on the other hand, can't seem to leave me alone - you want to force me to have health insurance whether I want it or not. Why is that?
That's My Comment!
Liberal ToddLuvsLounging Says:
Hey ChemJeff,
I felt, before Specter came back home (he started out as a Dem, who knew?), that Obama would only be able to extend coverage to the 20 million of the ~45 million uninsured. Now, I believe there is a real chance 40 million will be covered. That's what I meant by 'universal,' not the method. That said, I believe single-payer is more effecient, but if my fellow Americans prefer a more expensive, mixed system to reach their goals, then that's democracy.
As for your questions, the first question is a red herring because there are plenty of services run by our government, some well run, others not, that Americans are comfortable dealing with. Medical decisions will remain between patients and their personal physicians, at least that's what Obama is promising and, so far, he's been as good as his words. Moreover, he's Obama, not Bush.
Your second questions are important issues that will have to be hashed out. Determining which procedures will be covered will be big battles at the state level. It will probably be determined by a health board. More expensive supplemental insurance would cover what the board does not and that includes controversial procedures, including abortion. As for Republicans pulling the plug, well, I don't worry about Social Security other than it going broke rather than Republican defunding it. And since abortion probably won't be paid by the public (other than emergency procedures), and if health care was defunded by Republicans, I doubt abortion would be any less available.
Your third question is another red herring. Europeans, Canadians and Japanese smoke like chimneys, drink like fish and eat like goats. All in a universal health system. We'll pay for our bad habits, unless we're rediscovering our Puritan nature.
Implementing universal health care will be mountainous task, but is well worth it for two reasons:
response to liberal Todd
How do you know? I understand this is what you want to be the case. But if people complain now about insurance companies meddling in the doctor-patient relationship, why do I have any reason to expect that in a single-payer world, the government-as-insurer won't be meddling in the doctor-patient relationship?
Currently, we have Obama. But the next evil George Bush is lurking around the corner. What will happen to the single-payer health care paradise when he becomes president?
(1) Why will the battle take place at the state level? In fact I would really doubt that there will be battles at the state level, because the usual arguments that liberals make against federalism will come into play: if the federal government lets states decide, then there will be (according to them) a "race to the bottom". (2) Why does there need to be a battle in the first place?
(1) Why should anyone's health care coverage be determined by a health board? (2) How can you be comfortable with your health care decisions being made by a government health board, when we have heard for the past 8 years how George Bush "politicized science" and put politics ahead of sound scientific decisions? Those who wish to politicize science are still out there, you know. They will naturally gravitate to these types of health boards. And - I know this will come as a shock to you - there are those on the left who wish to politicize science as well. Why do we have to subject our health care to these types of political battles?
How do you know abortion won't be covered? Actually there is good reason to believe that abortion WILL be covered - after all in the last attempt, in 1994, Congress' plan did include public funding for abortions. And we have an even more liberal Congress and president now.
First, that is a curious confession about Social Security. I guess all those campaign ads run by Democrats stating "Republicans will cut off old people and throw them into the streets" were a bunch of lies after all. Moreover, you miss the larger point: Do you really want your health care decisions to be subject to the results of the next election? I mean, even though Obama wasn't my choice, I still get to do things I like, such as drink beer and eat cheeseburgers. Why should health care be different?
I find it hard to believe that you can make this claim even now, when we are still in the throes of Bailout Mania. Were you not around when Congress was suddenly up in arms about AIG bonuses? The bonuses were entirely defensible but people were outraged anyway (to the point of issuing death threats) because it was perceived that the bonus recipients were unjustly profiting at taxpayer expense. Did you not take notice of the tea parties? They were motivated, in part, by Obama's housing plan which suggested that individuals who made poor choices with their mortgages should be bailed out by those who played by the rules. (In fact that was the motivation of Santelli's rant which started the whole thing.) I don't know how Europeans can reconcile just giving away precious organ transplants to chronic smokers, drinkers and sloths and not think that there is something unjust about it, but current events in this country suggest that people here won't stand for it. We never really lost our Puritan nature.
This study you cite is fascinating, in that it assumes its conclusion. It cites 20-30 year old data which suggests that there is a 25% higher mortality risk associated with lack of insurance, and then proceeds to "demonstrate" that more people die when they lack insurance than when they have insurance. Well duh! This "study" is worthless.
So what you are really advocating for here is corporate welfare. You want government to pick up the tab for health insurance, when, according to liberals, companies have an obligation to provide health insurance. Why should government relieve companies of their burden?