Affordable medical insurance for all?

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by Supposn, Sep 13, 2019.

  1. Supposn
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    Supposn VIP Member

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    Affordable medical insurance for all?
    “Medicare for All”, (M4A) may or may not be a satisfactory remedy, but I'm certainly a proponent of increased federal participation for basic medical insurance. Medicare was enacted because private insurers would not, or could not, and did not provide satisfactory alternatives.

    I'm a proponent of federal entire catastrophic, subsidized medical preventative and screening insurance, and Medicaid for those U.S. legal residents that cannot otherwise afford medical insurance.

    In terms of our population's deaths, disabilities, and sufferings, and financial costs to our nation's aggregate entities, we may now be more or less paying the costs for M4A, but we're not obtaining all of the benefits that M4A would provide.

    Regardless of USA's future medical insurance policies and practices, federal entire catastrophic, subsidized medical preventative and screening insurance would reduce the costs to government and/or nongovernment medical insurers and be to our nation's best interests. State regulators of medical insurers practices and fees would expect medical insurance prices to reflect the burden of costs shifted to the federal government.

    Respectfully, Supposn

     
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  2. DGS49
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    DGS49 Gold Member

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    Without being overtly political, it is clear that "Obama-Care" was intended to fail, with that failure leading to a public outcry and demand for socialized medicine in one form or another.

    The "elephant in the room" for Leftists who want socialized medicine is that the current practice of employer-subsidized insurance for "most Americans" works pretty well, so the majority of Americans are not motivated to try something dramatically different.

    Therefore, any "solution" must be directed to the minority of the population (but still tens of millions) who do NOT have access to employees-subsidized insurance, without fucking things up for the majority who are doing fine, health-insurance-wise.

    The rational solution was (1) to make low-cost, minimal coverage available to healthy young people (who for the most part don't need health insurance), (2) allow interstate competition for health insurance companies, and (3) to have a government backstop protecting insurance companies from the "black hole" of people with expensive "pre-existing conditions." And a little malpractice-abuse protection wouldn't hurt, but since tort law is controlled by the STATES, that would be constitutionally problematic.

    Insurance #1 above would have deductibles and co-pays, and would primarily protect young people in case of a catastrophic disease or illness. It CERTAINLY would not cover things like birth control, abortion, or routine office visits. It WOULD contain a provision for an annual physical, at which the screening mentioned above would take place.

    This is one of those cases where the solutions that everyone knows are needed are not implemented because the Democrats want to have this issue available for their own political exploitation, and solving it would take that away. Just like abortion, the death penalty, the minimum wage, and so on. Democrats are evil.
     
  3. dblack
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    dblack Platinum Member

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    The political situation in the US is too volatile to trust the government with our health care. I don't want every single election to be a referendum on whether grandma lives or dies.
     
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  4. Supposn
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    Supposn VIP Member

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    DGS49, your political post begins with,
     

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