thegreekdog wrote:
See, here's the thing - you've assumed that the only way to do this is to use the Senate plan, the House plan, or the president's plan. You haven't even acknowledged that there are other plans. That was the point of the healthcare summit last week; there are Republican plans and Republican ideas that do not have to be done piecemeal and try to solve all of the problems with the current healthcare system.
I haven't acknowledged other comprehesive plans because they were not really being presented.
Even most recently, what I see is more of a "piecemeal" approach. Maybe I have missed something you have seen, but here is what I see.
#1 torte reform. Good idea, but I would like to see something far more comprehensive. Further, while most people believe that lawsuits are driving up healthcare costs, in truth they represent only about 1% of the cost. My biggest issue is that lawsuits are neither an effective deterrent in this case, nor an effective means of caring for the injured (unlike some other situations). They basically benefit lawyers, a few lucky clients who "hit the lottery" and no one else. Even those who "win the lottery" are not necessarily getting what they often really want, which is the system to be fixed. (granted, money helps care for medical expenses, but it never brings anyone back or replaces a limb that is taken).
#2 interstate plans. Fact is insurance companies want this so they can have a "race to the bottom". For it to work, we would need to nationalize insurance regulation. That is probably a good thing, but that kind of comprehensive agreement is part of what is holding up the bill in Congress. Too many people want their own special interests met. However, even if there could be agreement, it would not change why insurance is so expensive right now or why so many people are not being covered. Policies are going up and people are not covered because insurance companies want huge profits. Can't blame them for that, but I do blame all those who seem to think that should continue without any control.
#3 pool "high risk" people. This is the absolute worst idea floated. Instead of the cost for those policies being meted out amongst the population through general policy increases, they would be socked with huge rates that would have to be subsidized by taxpayers. There would be nothing to stop insurance companies from doing what they do right now.. keep moving the bar as to what is and is not covered. All this would do is concentrate the problem further. The closest analogy I can draw is to flood insurance. It is a travesty. And, the risk there is even spread out some. This would be entirely of people who have much higher chances of requiring heavy treatments.
Those are just some highlights, but the bottom line is twofold. Either we cover everyone or more and more people will be shifted onto the taxpayer driven systems of Medicaid, etc. THAT will drive up not only healthcare costs, but our overall taxes far more than the proposed in creases in health insurance that would result from a comprehensive plan.
Truth is, I don't think either the Senate or house bills go anywhere near enough. And I don't think any of the proposals are really and truly going to reduce costs.. that is they won't result in us paying less today than we did yesterday, but they will result in a slowing down of cost increases AND will result in a far more equitable system... a system based on uniform evidence instead of insurance company board desires for huge profits. (and again, the insurance industry in the US is among the most profitable industry in the world, is absolutely many magnitudes more profitable than any health insurance system in any other country... while NOT reducing costs to healthcare in any real way).