Discussion in 'Healthcare/Insurance/Govt Healthcare' started by rayboyusmc, Mar 24, 2009.
Workers feel the brunt of health insurance woes
This is so true....
Tax payers, pay for the health insurance of the poor, of all in the Army, Navy, Air Force, Marines and for all those that retire from those forces, they pay for the Health Care of all teachers, all Postal workers, all Government Civil Service workers, all congressmen and senators, and anyone that has a government job, from maintenence man to Air Traffic Controllers, and then they also pay more in taxes to give businesses a tax break for the health insurance for their employees, and then there is Medicare...paying the health insurance with our taxes for all of the elderly, and Medicaid...paying the healcare for the indigent or needy or disabled, and now paying for the healthcare of all children with SCHIP....
All I want is the same health care and dental coverage as my Senators and Representatives in Congress.
Is that asking too much?
If you think it's expensive now, just wait until it's free!
It's not mine, but it's true.
yes! that was one of his campaign lies, it will never happen so get over it.
Wrong, Sweetie, it will happen.
No one said it will be free. That's another convenient sound bite to attack the idea without real data.
There is a way to do this responsibly and correctly without fucking up the entire system. You can bet that's not what we are planning to do. There is a role for government in the fix, but you can bet they will over reach with this plan.
The French have a fairly good model. It has some problems, that we could correct easily if we knew what we were doing. Here's what should be done:
1. The government should remove laws preventing insurance companies from offering health coverage nationwide.
2. The government should create a health insurance pool. The basic rule is that if you (as an insurance company want to participate, you have to insure anyone who signs up).
3. The government regulates the insurance company and ensures a small profit. (Basically like a Ma Bell type utility).
4. The insurance fees are paid in taxes. Coverage is 80% (you pick a number but not 100%)
5. Tax credits are paid to individuals to fund Health Savings Accounts which will cover the last 20% of coverage.
6. If you are poor, the HSAs are funded for you.
7. If you don't use the money in the HSA it rolls over forever and belongs to you. It can only be used for health care costs though.
This structure would:
1. Cover everyone
2. Fix some of the problems of the French system
3. Encourage people to "shop" for the best values in health care because the money used most would be "theirs" and they would have an incentive to keep it.
4. Because of the "shopping" behavior, health care cost should be more effected by market-like forces. This does not occur now because the consumer of health care is not the payer of health care costs. Thus the market is broken.
That system works in FRANCE because in FRANCE MDs don't expect to make fifty times what the average Frenchman makes.
If we socialize payments, and have that system paying into a cpaitlist system?
The prices will rise as long as the market can bear it.
Got a friends studying medicine in Germany right now.
Wanna know how much this AMERICAN studying to be an MD in Germany is paying?
500 Euros a YEAR.
You see thos eother nations don't have an AMA whose goal is to insure that MDS make huge amounts of money compared to the rest of us.
And since the government encourages people to go into health care, they are insuring that the SUPPLY SIDE isn't entirely out of whack with the DEMAND side, like ours is.
So I get a bill for a million dollars which is not impossible under our current system and my policy only pays 80%
How much do I owe?
My post was meant to be more conceptual than nuts and bolts, but in general, it would have the following characteristics:
You would have no "out of pocket" expenditures.
The construct of "payment" out of your HSA can be structured any way that makes sense in a "market" kind of way.
In your example, a catastrophic illness or injury, there would be no benefit to the "shopping" aspect. In that case, it makes no sense for you to have to access your HSA to pay for care.
I would use the HSA to cover drugs, routine care and elective care. Urgent care should be distinguished between truly emergency and people using the ER as a primary care doctor. If it's the latter, your HSA gets billed.
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