Thursday, February 28, 2008
Health Care for all
Health Insurance Does Not Equal Health Care, Opinion Piece Writes28 Feb 2008 The presidential candidates "assume that universal health insurance means universal health care" and that "once the law enables or requires everyone to buy health insurance, everyone will have adequate health care," Caroline Poplin -- a physician, attorney and visiting scholar at the Georgetown University Law Center -- writes in an Philadelphia Inquirer opinion piece. However, she continues, "health insurance and health care are two different products for two different markets": health insurance "is for healthy people" and health care "is for the sick." According to Poplin, what U.S. residents need "to lead full, productive lives is good health care," and health insurance "may be one way to get there." She uses the example of car insurance -- which "works well in this country" -- stating that despite the fact that "[m]ost drivers don't get into accidents," we "require all drivers to have insurance to cover the expenses of innocent victims." She adds that two key features of car insurance are limits on insurers' liability and the fact that insurance does not cover routine maintenance. Poplin states that health insurance "was never designed" to care for people who survive illnesses and live with chronic conditions. According to Poplin, "There are some goods the private market just cannot provide efficiently that we need to purchase collectively: defense, roads, sanitation." She writes, "The rest of the developed world believes that health care is another." Poplin proposes "split[ting] the difference" to let "those who can obtain good insurance buy it" and to let "those who can't get decent insurance at a reasonable price buy into Medicare." She adds that "wherever the debate goes," U.S. residents must remember that the "real goal is not health insurance, but universal health care" (Poplin, Philadelphia Inquirer, 2/25). Reprinted with kind permission from http://www.kaisernetwork.org. You can view the entire Kaiser Daily Health Policy Report, search the archives, or sign up for email delivery at http://www.kaisernetwork.org/dailyreports/healthpolicy. The Kaiser Daily Health Policy Report is published for kaisernetwork.org, a free service of The Henry J. Kaiser Family Foundation© 2005 Advisory Board Company and Kaiser Family Foundation. All rights reserved.
Article URL: http://www.medicalnewstoday.com/articles/98834.php
Main News Category: Health Insurance / Medical Insurance
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Article URL: http://www.medicalnewstoday.com/articles/98834.php
Main News Category: Health Insurance / Medical Insurance
Also Appears In: Public Health,
Save time! Get the latest medical news headlines for your specialist area, in a weekly newsletter e-mail. See http://www.medicalnewstoday.com/newsletters.php for details.
Send your press releases to
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UNIVERSAL HEALTH CARE FOR ALL
Wed Feb 27, 7:48 PM ET
Hillary Clinton opened fire on Barack Obama across an array of issues, but saved the really big guns for health care: "Of all our differences," said Hillary in Rhode Island (the forgotten primary state), "the one that is just inexplicable to me is his refusal to put forth a plan on universal health care and his continuing attacks on my plan to do so."
How hard can it be to offer a universal health care plan? "John Edwards had a plan, I had a plan, Chris Dodd had a plan, Dennis Kucinich had a plan, Bill Richardson had a plan. Because we're Democrats ..." Clinton said.
But Obama, in his Bob the Builder campaign designed to appeal to the toddler in every American, offers a plan that is all gain and no pain: subsidized health insurance for anyone who wants to buy it, whenever they want to buy it. More money, more choice, no cost. Gee, what's not to like?
Nothing, except that Hillary is correct. Obamacare can't possibly work, because it doesn't make sense to buy insurance when you are young and healthy if you are guaranteed access anyway when you are older and sicker.
And that's the problem.
The exchange between the two Democrats highlights the dirty little secret that not even Hillary will tell you about a universal government health insurance program. The problem with our current system that mandatory national health insurance will solve is not that people don't get health care -- it's that they don't pay for it.
Young healthy folks are more and more likely to go without health insurance. That means the pool of insured people is older and sicker and, therefore, more expensive to insure. Health insurance premiums rise, which makes health insurance an even worse deal for the relatively young and healthy, guaranteeing that more and more twentysomethings are uninsured, and health insurance costs for us middle-aged and older folks skyrocket.
What kind of people in the U.S. are uninsured? A whole lot of people like Brandy Coons, a 23-year-old Atlanta waitress highlighted on the front page of The New York Times as the new face of the "free rider" problem. Brandy admits she could probably afford a policy if she cut back on her gym membership and her photography hobby, but why should she do that?
"I'm young and in pretty good shape ... The insurance premium was more than what I would pay for my prescriptions, so I just decided not to deal with it," Coons said.
But even The New York Times cannot admit the real "free rider" problem here. It's not that the health care needs of uninsured twentysomethings like Brandy are bankrupting the system. It's that not enough twentysomethings like Brandy are paying for the health care of fortysomethings and older. That's the only way insurance makes sense: We pay into it when we are young and healthy, and we get something out of it when we are older and more likely to get sick.
But try running on that as your platform: Make the young people pay more!
Here's the other dirty little secret: National health insurance is going to cost Brandy and other taxpayers a whole lot more than either Hillary or Obama admits. Just ask Gov. Deval Patrick in Massachusetts, where just two years into operation, the state's mandatory health insurance plan is already costing $400 million more than budgeted.
Meanwhile we have a Medicare system that is going to go bankrupt.
Here's a question neither Hillary nor Barack will answer: How can we justify spending billions to insure the Brandys of the worlds, when we haven't yet secured the health care financing for our existing promises to senior citizens?
Hillary Clinton opened fire on Barack Obama across an array of issues, but saved the really big guns for health care: "Of all our differences," said Hillary in Rhode Island (the forgotten primary state), "the one that is just inexplicable to me is his refusal to put forth a plan on universal health care and his continuing attacks on my plan to do so."
How hard can it be to offer a universal health care plan? "John Edwards had a plan, I had a plan, Chris Dodd had a plan, Dennis Kucinich had a plan, Bill Richardson had a plan. Because we're Democrats ..." Clinton said.
But Obama, in his Bob the Builder campaign designed to appeal to the toddler in every American, offers a plan that is all gain and no pain: subsidized health insurance for anyone who wants to buy it, whenever they want to buy it. More money, more choice, no cost. Gee, what's not to like?
Nothing, except that Hillary is correct. Obamacare can't possibly work, because it doesn't make sense to buy insurance when you are young and healthy if you are guaranteed access anyway when you are older and sicker.
And that's the problem.
The exchange between the two Democrats highlights the dirty little secret that not even Hillary will tell you about a universal government health insurance program. The problem with our current system that mandatory national health insurance will solve is not that people don't get health care -- it's that they don't pay for it.
Young healthy folks are more and more likely to go without health insurance. That means the pool of insured people is older and sicker and, therefore, more expensive to insure. Health insurance premiums rise, which makes health insurance an even worse deal for the relatively young and healthy, guaranteeing that more and more twentysomethings are uninsured, and health insurance costs for us middle-aged and older folks skyrocket.
What kind of people in the U.S. are uninsured? A whole lot of people like Brandy Coons, a 23-year-old Atlanta waitress highlighted on the front page of The New York Times as the new face of the "free rider" problem. Brandy admits she could probably afford a policy if she cut back on her gym membership and her photography hobby, but why should she do that?
"I'm young and in pretty good shape ... The insurance premium was more than what I would pay for my prescriptions, so I just decided not to deal with it," Coons said.
But even The New York Times cannot admit the real "free rider" problem here. It's not that the health care needs of uninsured twentysomethings like Brandy are bankrupting the system. It's that not enough twentysomethings like Brandy are paying for the health care of fortysomethings and older. That's the only way insurance makes sense: We pay into it when we are young and healthy, and we get something out of it when we are older and more likely to get sick.
But try running on that as your platform: Make the young people pay more!
Here's the other dirty little secret: National health insurance is going to cost Brandy and other taxpayers a whole lot more than either Hillary or Obama admits. Just ask Gov. Deval Patrick in Massachusetts, where just two years into operation, the state's mandatory health insurance plan is already costing $400 million more than budgeted.
Meanwhile we have a Medicare system that is going to go bankrupt.
Here's a question neither Hillary nor Barack will answer: How can we justify spending billions to insure the Brandys of the worlds, when we haven't yet secured the health care financing for our existing promises to senior citizens?
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