Wait, are you referring to our system now? Sure sounds like it. I agree though, we can't have that type of system. Medical costs should never cause someone to go bankrupt, glad we can agree on that.
No, government healthcare is the worst thing we could do.
So you say. But reality says otherwise.
Where has there ever been a successful healthcare system that didn't have government involved? Our system is already the most privatized system of any 1st world country. So where is your proof?
I know you don't have any, but it's funny to ask and watch you ignore it.
We should be buying our health insurance the same way we buy our auto, home, and life insurance. I should be able to pick up the phone and call ANY insurance company in the country, and order the health insurance options that
I want.
This would give me far more leverage than we have now. You are hostage to whatever single insurance company plan your employer offers you. And a small employer has zero leverage with an insurance company. And the insurance company's leverage is weakened by being forced to work with a limited number of health care providers.
Employer-sponsored health insurance drives the health care cost curve UP!
What's more, the government has weaseled its way into the health care market and GETS TO WRITE THE RULES FOR ITS COMPETITORS.
How's that been working out?
And now, with ObamaCare, the government has taken over your health care even more. It tells you what you must buy, it is the gatekeeper to the exchange you must buy your insurance from if you can't get it at work, and it is the gatekeeper that decides which insurers get to be listed on the exchange.
"Sorry, you didn't contribute enough campaign cash to our committee."
You can still pick up the phone and get health insurance.
There are not enough people in the market to make it competitive.
EVERYONE should be buying their health insurance this way. Just like EVERYONE buys their auto insurance that way. Just like EVERYONE buys their home insurance that way. Just like EVERYONE buys their life insurance that way.
You don't see a government senior citizen auto insurance, do you? You don't see a government low income auto insurance, do you? "Sign up for AutoCare today!"
We need LESS government interference in the market, not more.
YOU are 100% correct!
The problem is very simple.
2 events have occurred over the last 30 years:
A) 1986 EMTALA act... look it up
The Emergency Medical Treatment and Labor Act (
EMTALA) is a federal law that requires anyone coming to an emergency department to be stabilized and treated, regardless of their insurance status or ability to pay, but since its enactment in 1986 has remained an unfunded mandate.
So what happens is hospitals OVERCHARGE insurance companies and those that can pay i.e. $10 aspirin!
Just as this hospital CEO when asked:
"How do hospitals deal with the cost of the uninsured? Like any business, we pass it on to the paying customers.”
B) $850 billion a year insurance companies, individuals pay out in what is called "Defensive Medical Practices".
Again see this link for more details
http://www.jacksonhealthcare.com/media/8968/defensivemedicine_ebook_final.pdf
Proof is 90% of physicians surveyed say they order $850 billion a year in wasted duplicate tests, referrals all out of FEAR of being SUED!
Physicians estimate the cost of defensive medicine in US at $650 to $850 billion per year.
--- Emergency medicine, primary care, and OB/GYN physicians are most likely to practice defensive medicine.
--- 79 to 83% of surgeons and OB/GYNs have been named in lawsuits.
"Physicians contracted by the federal government practice significantly less defensive medicine as they are protected against lawsuits by 1946 Federal Tort Claims Act.
Who were they? Doctors contracted by federal government!
WHY did these doctors NOT practice "defensive medicine"??? 1946 Tort reform!
As a result rather then go to court and fight malpractice lawsuits ... insurance companies settle 94% of all suits out of court! Why? Because they recover these costs by charging higher premiums! That simple.
SOLUTION is
A) the Uninsured Health Insurance Company (UHIC) that contracts with any hospital that wants their "uninsured" costs paid i.e. file claims.
B) Revenue to UHIC comes from above participating hospitals AND from 10% tax on lawyers that declines as the $850 billion a year in defensive medicine costs decline!
This $27 billion in revenue will provide a $5,000/person per year premium for each of the means tested 4 million that are truly uninsured!
NO changes in any laws other then REPEALING that gigantic f...k UP ACA!!!