Posts Tagged ‘health insurance’

Health Care Bill Concerns

November 23, 2009

It looks like we are going to get a health care bill, whether we want it or not.

It not that I don’t think that something should be done, it’s just that I don’t think that this bill (either the house or the senate version) is the way to go.

Here are my concerns.

COST

1.  Government:  it is going to cost the government way too much.  We need to be looking for ways to reduce our spending, not increase it.

2.  Companies 

    A.  Companies that are unable, or unwilling to provide health insurance will be forced to either provide insurance, or pay a penalty.  Either way companies will see a significant increase to their operating costs.  How many companies will be unable to continue doing business?

    B.  The extra tax on medical supplies will be passed on to the consumer, raising the cost that is paid for health care, not lowering it. 

    C.  Forcing insurance companies to accept all applicants will cause an increase in expenditures by those companies.  Premiums are established from year to year based on the rate of claims paid out.  If everyone is included, the costs will go up.

3.  Individuals:  individuals who do not have health insurance will be forced to buy insurance or pay a fine.   Many of these individuals are having a difficult time making ends meet now.  The extra cost will only make things worse.  For those people who have health insurance, there will be extra taxes, and higher premiums. 

4.  Economic impact: the health industry is an enormous business that is interwoven into our economy.  By forcing these changes, there will be an economic upheaval that is unpredictable, and possibly catastrophic.

AUTONOMY

I don’t like the government taking away the freedom of companies and individuals to make these decisions for themselves.  If the government wants to provide a public option at a sliding fee cost, that is optional, that would be great, but to force individuals and companies into compliance is a reduction of our basic freedoms.

QUALITY OF CARE

As the government moves more and more towards a socialized health care system, the rate of return will probably go down.  There will not be as much profit in the industry.  The lure of economic gain is a powerful stimulus for innovation.  I would like to say that everyone who has contributed to health care advance has done so for humanitarian concerns, but I am reasonably certain that profitability has played an important role.  How many of the advances in medicine in the past fifty years have come about as a result of government facilities anywhere in the world compared to companies that are pursuing profit?

BUREAUCRACY

The mess involved with filing claims for Medicare and Medicaid is legendary.  Sometimes it works well, but there are frequent problems that are very difficult to resolve. 

Here are a few of my concerns.  I have not heard, or read where these concerns are being addressed to my satisfaction. 

 

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Health Care Reform

August 10, 2009

“We have the best medicine in the world…”  Lisa Newton in Ethics in America follows that statement with   “and we get it by channeling the private greed of manufacturers, physicians, universities, research scientists, hospitals, insurance companies…”

I have a bad feeling that the heath care reform that is currently proposed will be a disaster of significant proportions.  The health care industry is a behemoth that contributes significantly to society in terms of jobs, taxes, and research that results in the best health  care in the world.  It may be fatally wounded by government interference. 

It doesn’t have to be that way.  Minnesota has a wonderful system for supporting those people who do not have health coverage.  The state provides health insurance on a sliding scale fee dependent on ones income.  It does not replace traditional coverage.  It is for those for whom coverage is not otherwise provided.  Our congress should look to that model for their inspiration rather than the Canadian model.  It would involve a much less extensive overhaul of the system, would be much less disruptive, much less costly,  and would still accomplish the goal of providing the opportunity for coverage for all Americans.