MP
I have been a businessman for 34 years. I know the burden to small businesses of health care insurance. I agree with Senator Tom Coburn's proposal.
See it here:
http://www.huffingtonpost.com/sen-tom-coburn/a-better-way-to-reform-he_b_213109.htmlThe problem is, while talking bi-partisanship, the leaders in congress will not even consider any other proposals but theirs.
Jack X
Jack,
Agreed—at this point everybody is talking past each other and the disruptors showing up at these town hall meetings, escalating discourse to violence is making any real debate impossible.
Coburn’s idea is OK, but only as far as it goes which is simply to rearrange the tax code. Same sinking ship, different color deck chairs. I’m one of the very lucky ones; my employer pays 100% of my health insurance premiums so I would see a $2200 credit, but be taxed on however much my benefit is so I would likely come out a few hundred dollar ahead, but my employer is still paying the premiums only now--through the tax credit--the government is subsidizing the insurance industry even more than they already do. And I still have to hope that my claim gets paid. Coburn says he doesn’t want patches, but that is exactly what his plan and every other plan on the table right now is.
I think we need a much more radical change; a move away from even the concept of insurance. Insurance is a bet that I make with State Farm that I will crash my car or burn down my house. I do not wish to gamble with Aetna on whether or not I will break my arm or contract malaria because people are not material things like cars and houses. The problem with insurance is that it sets up an adversarial relationship; the object of the game is to collect as much in premiums as possible while paying out in claims as little as possible. That’s OK when it’s over the damage to my car; it’s not OK when it’s over my liver transplant.
We need health care, accessible to everyone, the delivery of which is not governed by profit but by need. There are some things like law enforcement, defense, education, and public health that are so important to a well-functioning and productive society that the profit motive shouldn’t be a limiting factor. Imagine if your house is on fire and when the department shows up the chief has to call your insurance company for authorization and they say “OK, but you can only use one truck, three firemen, and 500 gallons of water.”
Insurance companies are an unnecessary middleman between patients and providers; the money that goes to them would be much better spent administering and delivering services to patients. And I’m not saying that hospitals and providers should not be paid well for their services; they should be and in some cases more than they are now, especially nurses.
Coburn also falls into the trap of assuming that any government involvement is automatically bad; There are many things the government does astonishingly well like the space program, the weather service, the NOAA, the FAA, and even the VA when it is properly funded. Coburn cites the Postal Service and the Katrina response as examples. We all know the failures surrounding Katrina were due to incompetence at the head of FEMA and heavy budget cuts. And the USPS? Come on, where else can you step outside, put a letter in your mailbox and have it in another mailbox on the other side of the country within 48 hours for less than half a buck?
I believe we can take the best from Medicare, Medicaid, the VA, and military healthcare and build a universal single-payer system that really would influence Canadians and Mexicans to come here. (Oh yeah, the unintended consequences of success!)
Cheers,
MP