kyzr
Diamond Member
- Oct 14, 2009
- 37,320
- 28,721
- Thread starter
- #221
I remember Obama's promise that Obamacare would save all families about $2,500 a year, it actually cost them about $10,000 a year in deductibles, meaning that they basically pay premiums AND pay deductibles to see a doctor. McCain really screwed up not killing Obamacare when he had the chance.
The democrats are running on "single payer" Medicare for all, where the government pays for all healthcare, and its FREE when needed. I can't imagine the lines of people waiting to see doctors. I wonder what GS pay grade doctors would get?
These two links basically prove two main points:
1. About 20% of the population uses 80% of the healthcare system. Can you say "pre-existing conditions"?
Does 20% of the population really use 80% of health care dollars?
2. The bottom 50% of the population by income pays basically nothing for healthcare
How do health expenditures vary across the population? - Peterson-Kaiser Health System Tracker
How can we improve the US healthcare system?
1. The bottom half of the population needs to work to get healthcare, medicaid needs to be cut
2. The 20% of the sickest need top pay more for healthcare since they use most of the resource
Any better ideas??
Several.
First of all, people need to be getting their health insurance individually, the way they buy every other insurance they use, rather than being dependent on an employer to decide which plan is going to be offered and how much it's going to cost them. This would require several things.
1) Allow health insurance to be sold across state lines to increase competition.
2) Allow insurance companies more scope to tailor policies and coverage to what their customers want to buy.
3) Give individual purchasers the same sort of tax breaks on their insurance that employers currently enjoy.
4) Allow customers to form their own associations through which to buy insurance and get discounts available for larger customer pools.
Second of all, the patients need to also be the customers when it comes to using healthcare. Rather than mandating expansion of EVERY policy to cover EVERY possible use of medical care, we need to expand the use and availability of HSA and flexible spending accounts. Instead of sending premiums to an insurance company every paycheck, that money goes into an account pre-tax, and waits there for you to use it. And then when you need to visit a doctor, YOU see the prices, YOU decide what to spend and where. Prices for medical care will become lower and less obscure when doctors aren't having to figure out how to get around a bunch of bean-counters and algorithms at some insurance company.
Heard all this before for saving Obamacare. If 20% of the population uses 80% of the healthcare resources they need to pay more. The rest of us can't afford the high deductibles to keep everyone alive to 100. There needs to be lifetime limits on what we can afford, or the entire system will collapse. Medicare will be insolvent in 2026. Medicaid needs to be cut and managed better....
The real reason health care is bankrupting America