Healthcare

What is the goal of all this?

 

Whatever side of the health care debate you may be on, let’s hope some logic prevails in the final decision making process. Democrats are taking a new strategy in pushing their reform proposals, again attacking the insurance industry, and now pushing the point that seniors will have their drug coverage improved and insurers will be prevented from implementing their various underwriting rules. Ok, then what?

What is the goal of all this? I like the words affordable, quality health care for all Americans, but what we are getting is expanding coverage here and there and reinforcing the idea that we can have everything we want without a cost.

While proponents of the Congressional proposals pound us over the head with their idealism, they ignore the facts. For example, they propose cutting Medicare payments by over one half a billion dollars and rather than capture those savings, they are to be spent expanding more government involvement in health care. In the meantime Medicare still struggles with its costs. One can rationalize this move as we clearly have a problem with the uninsured, but can we afford this strategy?

However, even more hypocritical is that proponents are trying to convince Americans they will have affordable health care at the same time the average Medicare beneficiary pays 20-30% of their income on health care. The AARP says 2-10% of income constitutes affordable health care. I am waiting for any politician to stand up and tell a family earning $70,000 a year that “affordable” means they pay what a Medicare beneficiary pay (even though they may be paying that now).  There seems to be a lack of understanding that there are two elements to affordable, one is the premium cost and the other the out of pocket costs. If you lower the second you raise the first, if you keep adding benefits to the package you raise the first.

This debate has deteriorated into one party pushing a flawed approach that does not attack the real problems and the other party opposing anything simply for the sake of opposing. The loser is the American people.

Perhaps what is more disturbing, or should be, is that while we build up massive debt, fail to address known approaching financial problems like Social Security and Medicare, we keep increasing spending on things that rarely hit the news. There is no concern for our future; we are rationalizing ourselves into a debt burden (think more and more burdensome taxes) that will eventually inhibit the ability for many Americans to make economic progress.

Maybe I should have applied for a farm subsidy or windpower credit

Maybe I should have applied for a farm subsidy or windpower credit

Let me put it another way, our politicians like never before are pandering to an uneducated, uninformed populace and special interests with a shortsightedness that will eventually lower the standard of living with less disposable income for the great majority of Americans because they will be burdened for years with the debt and government obligations we are creating today.

 

 

 

blogsurfer.us

Advertisements

2 replies »

  1. The health insurance industry while there is plenty of room for improvement is NOT the problem any more than the auto insurance industry is the problem for high auto insurance premiums.

    Consider this, 70 million people with employer health benefits are self-funded and no insurance involved, yet their costs rise as quickly as insured coverage in some cases more. One employer with 10,000 employees I work with is seeing a 15% increase for Jan 2010 based solely on that groups claim experience, they pay not premiums. Then look at Medicare, same thing, costs rising as well above inflation, no insurance there either. The insurance industry is a nice big target from which to pull horror stories, just like happened with HMOs a few years back, but while they control premiums they do not control the underlying drivers of cost.

    Like

  2. “Let me put it another way, our politicians like never before are pandering to an uneducated, uninformed populace and special interests with a shortsightedness that will eventually lower the standard of living with less disposable income for the great majority of Americans because they will be burdened for years with the debt and government obligations we are creating today.”

    I agree one hundred per cent. They need to ignore those heartless critics who want to deny Americans the opportunity to participate in the American economy by giving them the opportunity to restore their health.

    Why is it that we let our economy be dragged down by a health insurance industry that only detracts value from the economy?

    Germany spends about half what we do on health care. Over 90% of it is financed by premiums to the “sickness funds”. Less than 10% with taxes. We spend more in just in tax dollars per person on health care than they spend on health care totally.

    Like

What's your opinion on this post? Readers would like your point of view.

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s