Government

The biggest health issue we aren’t debating

I long ago questioned the wisdom of high deductible health plans for two reasons. First, the idea of patients as born again health care consumers and shoppers is ridiculous and second, for lower income patients the high deductibles are a heavy burden.

On the other hand, the Sanders version of “free” health care is equally ridiculous. The perception of “free” encourages over utilization on the part of both patient and health care provider. Such a system requires various forms of rationing to manage costs, a fact left out of the discussion of health care systems.

We need a reasonable blend which focuses not on deductibles that cause financial shock, but on cost-sharing based on each use of a service up to a total out of pocket cost maximum.

A health plan design should motivate some prudence, but not inhibit access to needed care or cause harmful debt. In other words, we need to go back to the days when health insurance was actually insurance 😡

Health insurance is making people pay more out of pocket.

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urce: The biggest health issue we aren’t debating

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3 replies »

  1. The needed debate will not happen until America wakes up and starts taking personal financial responsibility. It doesn’t matter what the costs are or how much the deductible is. Case in point. My son is a 4th generation firefighter. I am over at my son house that he owns for Thanksgivings dinner and I discovered 2 hardwired smoke detectors had been removed because they are defective. The reason why he had not replaced them was because his wife thought that the replacement should be free from the fire department. She controls the money. It is not her priority. She rather spend money on gas and tolls to visit the zoo instead of spending $9.47 plus batteries to replace with two battery smoke detectors, or $29.90 to replace the two detectors in kind. After flipping out at my son about putting my two pre-school grandchildren at risk over $10, he replaced the detectors this past Friday morning.

    As you say, I don’t have the money for insurance but I got this new tattoo. If $10 is “too much” then people will not even consider numbers larger than that.

    For the record, over my volunteer firefighting career, I helped pull out 3 dead bodies from fires where there were no working smoke detectors. I have 3 medals for assisting in saving live people from fires who had working smoke detectors. $10 is very cheap insurance. Test your detectors. The medals should have gone to the people that I “saved” for taking responsibility to help save themselves.

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  2. If a $1,500 deductible is moderate or average, and is too high, who is to shoulder the burden to pay more to lower that deductible? Fact is, just as many people at all wage levels are disciplined enough to put aside enough or otherwise prepare? Who is to shoulder the burden for those who know there is risk, but fail to save, fail to prepare, or as you would say Dick, get another tat?

    I am tired of those who suggest that I and other taxpayers should shoulder these burdens, in addition to my own. Further, I still pay more for Medicare coverage I don’t have than I pay for my own coverage. So, I am paying for my own, old folks who choose not to work, and younger folks who choose employment without coverage.

    What is wrong with that picture?

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  3. Americans had that perfect balance for decades in the private sector… and it worked until idiot government leaders decided to “improve” it.

    Back when I was in college [too old to stay on my father’s family group policy], my father bought me a comprehensive Blue Cross Blue Shield individual policy for $8.00 a month.

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