Government

Democratic Platform on Health Care – an insult to common sense

If you haven’t read the Democratic platform (or Republican for that matter NOTE BELOW), you should take a look. It’s quite entertaining and has more goodies to choose from than a New Jersey diner menu. I doubt there is one American who can’t find some promise to love.

On my initial scan I focused on health care. As may be expected,  the level of promises and accompanying naivety about health care and our payment system was amazing, especially given the last six years experience.

Here is one of my favorite sections:

We will repeal the excise tax on high-cost health insurance and find revenue to offset it because we need to contain the long-term growth of health care costs, but should not risk passing on too much of the burden to workers. Democrats will keep costs down by making premiums more affordable, reducing out-of-pocket expenses, and capping prescription drug costs. And we will fight against insurers trying to impose excessive premium increases.

The above is perhaps the dumbest thing I have ever read about health care. No one with the slightest understanding of health care or insurance would write such a thing unless they believe the readers are incompetent.

May I remind you that Democrats added the excise tax to the ACA on the theory that too generous benefits encourage people to use unnecessary health care. Now, without that provision even in effect yet, they have “learned” that to lower premiums you must lower claim costs and that requires higher out-of-pocket costs which has created a backlash. Now they promise lower out-of-pocket costs and to make premiums “affordable.”

In anticipation of the excise tax your employer has modified your benefits, perhaps raised deductibles and co-pays, cut back on FSA or HSA contributions, or shifted to a high-deductible plan. In other words, your costs have gone up so your employer would not have to pay an ill-conceived 40% tax enacted by the same people who promise to repeal it. And guess what? Your benefits will not be restored even if the tax is repealed. 😜

As far as capping prescription drug costs goes; those costs equal less than ten percent of all health care spending.

Why would insurers impose “excessive” premiums and in the process drive away customers or worse, attract only the highest users of health care? “Excessive” is in they eye of the politician.

imageBulletin‼️ “Keep costs down by making premiums affordable?” Say what❓You have that backwards you morons. But you see, they aren’t talking about managing health care costs at all. They are promising to further subsidize premiums and out-of-pocket costs for some individuals by having other individuals (probably you)  pick up those costs.

If you are inclined to accept this dribble as an achievable goal, ask this question.

How do you make premiums affordable and reduce out-of-pocket expenses when 85% or more of premiums are directly related to the health care received by patients while at the same time you are encouraging more use of health care because you have reduced the cost to the patient? 

Note: The Republican platform on health care is no better, no less naive and quite a bit more vague and unworkable than the Democratic platform. In fact, the Republican strategy is no strategy at all. 

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4 replies »

  1. Political party platforms in the U.S. remind me of the old Soviet Union. Party apparatchiks would out do themselves by propagating over the top and unbelievable exaggerations about the Party leaders, industrial productions goals, etc. By the time the 70’s rolled around, no one believed anything from official sources. Pravda (“Truth” in English) was known for not publishing any.

    Regarding the Democratic Platform, I picture the authors as a bunch of 40 somethings smoking pot and treating each other to “wait, how about this one…” The Republican equivalents probably prefer Scotch.

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  2. We all know that campaign promises are almost never honored and the courts have ruled that with 535 members in Congress, you cannot hold your rep responsible. You have a better chance of a snow ball not melting in hell, than to see political promises kept.

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    • If you read the USSR Constitution, it looks good on paper, but we all know how corrupt the USSR leaders where. Our politicians are not to far from the old USSR in their corruption.

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  3. My favorite line is: “but should not risk passing on too much of the burden to workers”. Key words are “TOO MUCH”. I wonder what they consider too much and what form, taxes or premiums?

    If the democrats hate the insurance companies so much, why don’t they just get rid of them. No one will lose their jobs. They will become collection agencies because nobody has cash up front for unexpected health emergencies, thus that is why you buy insurance.

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