1) If we can buy auto, life, and home insurance from companies anywhere in America, why can't we buy our health insurance from any company in America?
Solution: Remove the interstate barriers and let the 1300 insurance companies compete for our healthcare insurance business.
2) If you lose your job, you lose your healthcare plan.
Solution: COBRA and Medicare exist but COBRA is always super expensive and you may not qualify for Medicare right away. So how about a simple mandate that you can buy a stripped down version of your health insurance plan - say catesptrophic insurance plus prescription plan - to carry you over until you get a new job.
3) Pre-Existing Conditions not being covered.
Solution:Let's put it this way, hey private healthcare companies - why don't you count how many private healthcare businesses are in England and Canada and then think about the long-term consequences of supporting Obamacare. Suck it up insurance companies - covering at a reasonable rate pre-existing conditions will be a lot less expensive than no longer existing as a company.
4) Tort-Reform is costing doctors and us too much money.
Solution: First, get rid of nuasance suits by simply making the loser pay for the costs of the trial. If you lose your lawsuit, you have to pay for your own AND the doctor's lawyers. Second, no caps but no jury-decided punative awards either. The judge is responsible for that.
5) 50+ Million Americans uninsured is a problem.
Solution: Is it? Because about a fifth of that number are illegal aliens. E-Verify should take care of that problem. Another chunk are those who are temporarily uninsured because they are unemployed. Solution #2 should cover that. Others are just exercising their freedom to NOT have insurance. Your choice, man. Finally, the rest are not uninsured, they are simply unenrolled in the existing programs like Medicare and Medicaid. Who's fault is that?
6) Health Savings Accounts and Individual Insurance Policies
Solution: First, don't tax these and you'll see a lot of people getting involved. Young folks who open HSAs (that are tax-free and roll over) would remain uninsured but have a healthcare resource should they need it.
By the way, what about Dental? Does Obamacare cover that or just abortions?
I could go on but I'd rather do the round-up right now.
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At this point, although the debate and spin continue, this bill is essentially dead from an emotional and mandate perspective, even if some version gets passed. Whether it ultimately proves to be of any benefit to society, or a detriment, will take years, if not decades, to appreciate.
ReplyDeleteThis bill, and virtually anything that might be done to improve our healthcare system, involves too much complexity with which we are emotionally motivated to deal. In addition, there are too many factions with entrenched economic and/or financial interests to permit it to become a true health initiative.
There's been too much arguing about the details. People can not describe in 2 or 3 sentences the conceptual parameters of the effort and what it is supposed to accomplish. Unfortunately, people can describe how they feel about it in 1 or 2 words, and that's not good. And that's not to mention the elements who have whipped up hysteria by suggesting, with certainty, what will occur once the final product (which does not yet exist) emerges.
If either side of the debate has to work this hard arguing about something which theoretically should improve the lives of the masses of people, there's a big problem.
Even more so than how something is done, people are interested in results, not the details. And once again, as is frequently the case with much of human processing, the facts don't really matter. How people view the world, what they value, and what they want, matters.
And there is nothing collaborative in nature about that. Factor in the strong individualistic American DNA, and this effort is emotionally toast.