Soviet-style healthcare for thee but not for me
Bookworm on Jun 20 2009 at 7:03 am | Filed under: Medicine
Here is absolutely everything you need to know about the proposed Obama/Democratic health care plan:
The president is barnstorming the nation, urging swift approval of legislation that is taking shape in Congress. This legislation — the Affordable Health Choices Act that’s being drafted by Sen. Edward Kennedy’s staff and the Health, Education, Labor and Pensions Committee — will push Americans into stingy insurance plans with tight, HMO-style controls. It specifically exempts members of Congress (along with federal employees; the exemptions are in section 3116).
I think that one bit of information should tip off Americans to the real nature of this plan.
Related posts:
- Prediction: Small businesses flee California; economy craters
- The candidate for thee, but not for me
- Deconstructing the Obama health care plan
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The Devil Is In The Details…
Besides trillions on an insurance plan that still won’t cover 2/3 of uninsured Americans, there is another detail in the ObamaCare plan sponsored by Senator Teddy the Hutt (D-Dead mistress in his sunken Oldsmobile) that should lead every American to…..
Sgt Dave….
Are you out there??
Here’s a quote for your collection:
” Wherever standing armies are kept up, and the right of the people to keep and bear arms is, under any colour or pretext whatsoever, prohibited, liberty, if not already annihilated, is on the brink of destruction.”
Sir George Tucker, Blackstone’s Commentaries, 1803
I know this is off topic, but having passed on Book’s quote above (Book…do you have a source for that quote?), I thought I’d plant one here. This was on Wolf Howling’s page, in reference to the Iran uprising, but it still pertains, I think. It should be right up there with the quote on sheep, wolves and vegetarianism that headlines his blog…
I’m starting a “quotes” file…starting with this one.
We know that one of the reasons medical costs for those with private insurance are rising so dramatically is the cost-shifting caused by Medicare and Medicaid.
I’m not sure how rolling these groups into one plan are going to reduce costs enough, even conceding that more efficient billing procedures would provide some cost savings.
What the government is hoping to capture, in part, are the premiums from young healthy Americans that have foregone any insurance coverage (part of those uninsureds) who don’t use the system. The beauty of this is they will now be forced to pay for coverage they won’t use.
These folks do currently pay into the Medicare system through payroll taxes, which demonstrates that at the heart of Medicares problems– premiums are too low for the level of coverage.
Bottom line, premiums are going to go up, and there are only limited ways of controlling those costs– the most obvious of which will be rationing.
I do think we should consider some sort of “healthy American” rebates to insurance coverage. Coupled to an annual physical, we should either receive a rebate or be charged more for the state of our physical health. Shouldn’t folks who smoke, drink excessively, or engage in other risky behavior including “supersizing” every meal they consume pay more for their health care?
An aside. I don’t know if taxing company benefits is in the current bill, but the idea of taxing company health care benefits has been floated, with the kicker of exempting union health care benefits which would be grandfathered if in existence by 2013. This would have the benefit of encouraging unionization, the effect of which Democrats must be privately salivating over.
Relevant – _very_ relevant to the health care benefits issue.
http://online.wsj.com/article/SB121097874071799863.html
Just for fun:
http://iowahawk.typepad.com/iowahawk/2009/06/widow-of-murdered-fly-seeks-white-house-apology-shit.html
Good article Suek,
Obama was booed at the AMA meeting for explicitly stating that medical malpractice caps weren’t part of his health care plan.
http://www.realclearpolitics.com/video/2009/06/15/obama_booed_at_ama_over_malpractice_remarks.html
Imagine,
Barack, a lawyer, siding with lawyers on this issue.
Is the transparency Barack was touting for his administration?
This is certainly transparent.
>>Shouldn’t folks who smoke, drink excessively, or engage in other risky behavior including “supersizing” every meal they consume pay more for their health care?>>
Are you talking about “health care” or “health insurance”?
There’s a difference. People choose to pay for health care when they engage in risky behavior. They have _always_ paid – one way or another. They either suffer from poor health or they pay more for medical help, or they die young. Are you going to include homosexual behavior in that “risky” behavior, by the way? Or sexual promiscuity? I suspect you’ll find those off limits…wonder why? I do.
Now insurance…that’s a different kettle of fish. Insurance is a kind of legalized gambling. You say “I’m going to have an (episode – whatever) and I’ll bet xxx dollars on it.” The insurance company says “I bet you won’t, but if you do, I’ll pay xxx to fix it”. The problem we have is that some things are truly random, some are the result of risky behavior, and some are guaranteed. So if you live in certain areas and drive an inordinate amount of miles to work each week, and have had multiple tickets for various types of faulty driving, the insurance company will either refuse to insure you or charge you up the wazoo. If you live in certain other areas, drive to church on Sundays to the church that’s about 2 miles from home, and haven’t had a ticket for driving for the last 10 years, you get a completely different rate – even though you may have exactly the same car – year and model – as the up the wazoo guy. The reality is that it’s entirely possible for the Sundays only guy to have just as costly an accident as the up the wazoo guy. That’s the gambling part.
Then there’s the guaranteed part. After 500,000 miles, you _will_ need a new car. If you don’t die before age 70 +/-, you will suffer the debilitation of age. Is it reasonable to expect a form of insurance that will pay for your new car? I don’t think so. Most of the expense of insurance probably goes to build up a cash reserve to pay for the vicissitudes of old age. Do they really belong in the same pot? If you really want to cut the expense of insurance – assuming you’re expecting to pay for those inevitable vicissitudes – isn’t it probable that those oldersters are the ones causing a problem who are going to get cut? Betchya.
When you buy insurance, do you expect to have your oil changes, your tune-ups and new tires covered? I doubt it. So why shouldn’t people expect to pay for routine medical care, with insurance limited to disastrous illnesses or accidents?
Another by the way…
I read – either on a blog, or in the comments, I forgotten which (might even have been here!) – that if you want some interesting reading, do a search on “AARP ACORN”. Apparently there’s some significant linkage.
As you know, it’s common practice for leftists to involve themselves in virtually _any_ kind of political activism, and eventually ensconce themselves as leaders in order to divert the original activism to their goals. I hadn’t thought of this in connection with the AARP, but it doesn’t surprise me either.
Suek, I think they used to be called risk pools, and your premiums were based on which pool you were in.
I think the government has done away with that– and limited pre-existing conditions.
It seems only prudent though, to allow an insurance company to reward behavior that produces the likelihood of less utilization later in life.
Obviously the unexpected happens. That’s the purpose of insurance. We allow riskier drivers to be penalized with higher premiums, why is it wrong when applied to health insurance?
>>why is it wrong when applied to health insurance>>
I wouldn’t call it “wrong”…but I suspect that old age is a greater “risk”, and unless you’re going to euthanize all citizens when they reach the age of no return, it shouldn’t be in a “risk pool”. It should be expected that the majority will need expensive care in the last years. That means that we either deny the care or make provision for it. Right now, the “provision” being made is that the burden is carried by all those who pay for low risk care.
You’re also talking about making health insurance mandatory. If you make insurance mandatory, then place behavior limits on the individual, aren’t you mandating behavior? Doesn’t that strike you as anathema in a country that proclaims to have “freedom”?
Personally, I’d be in favor of legalizing drug use – and also of not giving medical care to those who choose to OD. In other words, I’m much more libertarian in this respect, but as with the other behaviors, people should also be allowed to suffer the results of their risky behavior.
Auto insurance is required so that damage done to others is paid for. Others aren’t affected by your overweight and other health risky behavior. It isn’t the same risk pool.
The party leaders of the Communist Party lived high off the exploitation of the masses. The masses lived like pigs in the eternal slums, however.
That’s the very definition of what a Leftist utopia would be.
If we went with risk levels, so that higher-risk people simply payed higher premiums, then Congress would pay the highest of all, wouldn’t they?
They’re at constant risk of a complete collapse of the moral cavity.
Some of them exude the stench of corruption. Second-hand corruption must then be breathed by all others – if there are any not exuding. The risks of second-hand corruption cannot be overemphasized.
A lack of spine and moral fiber ensures that muscles and ligaments are under constant strain.
High money pressure – “Where can I hide these illegal contributions?” – leads to extreme hypertension. In extreme cases, eye strain could cause blindness due to the constant darting of eye muscles, while trying to ensure that no one is watching as the illegal deals go down.
And on. Clearly they would suffer from the highest-risk premiums.
. . It specifically exempts members of Congress . . .
This really isn’t surprising. When it comes to governing healthcare, workplace issues, etc. Congress is almost always “exempt” from their own laws that they force on the rest of us.
>>The party leaders of the Communist Party lived high off the exploitation of the masses.>>
Repeat.
Repeat.
Washington was an extraordinary leader – he gave it up. He showed us that what we need is leaders with character and honor. We’ve lost that ideal, it seems. And we’re going to pay for it.
>>Shouldn’t folks who smoke, drink excessively, or engage in other risky behavior including “supersizing” every meal they consume pay more for their health care?>>
Are you talking about “health care” or “health insurance”?
I don’t see a practical difference. Unless you’re uninsured, what you pay for your health care is your premium + copay + deductibles. Your premium should be based on risk.
“You’re also talking about making health insurance mandatory. If you make insurance mandatory, then place behavior limits on the individual, aren’t you mandating behavior? Doesn’t that strike you as anathema in a country that proclaims to have “freedom”?”
No, the government is talking about making health insurance mandatory. We can address this two ways- allow insurance companies to charge based on risk, which you don’t like (I don’t particularly like either), or come up with incentives to encourage healthy behavior- which still leaves the choice up to the individual.
I would allow insurance companies to charge based on risk, and incentivise by tax credits for healthy behavior.
The question is, who should subsidize whom? If we require insurance companies to completely ignore risk, we’re distorting the system and forcing the low risk to subsidize high risk individuals.
Any tax credit directed to low risk individuals is just saying, the low risk group is being rewarded by the high risk group. In my mind, this at least attempts to encourage healthy behavior.
I don’t see this as “the” answer, but a part.
Do you have a problem with this:
To the extent government mandate distorts this, costs will be shifted onto someone. The question is still, who the someone will be.
Of course, if risk pools were the answer, using the US population as the pool, and requiring everyone to buy health insurance would solve the problem. I assume nobody would like what the premiums would be though.
Medicare will be bankrupt by 2017. Everyone pays into the system, and in retirement everyone pays a premium that joins. What would the premiums be to make the system solvent?
>>What would the premiums be to make the system solvent?>>
What would the “premiums” be to ensure that each person saved enough to pay his/her own health expenses?
The usual cry is that “xx number of people declared bankruptcy – all because of health care costs”. So how about a tax free savings account for health expenses? You can accumulate it till you die, then pass it on to your heirs – or pay it all out beforehand – however it works out. Or you can use it to choose some form of health insurance.
None of the insurance plans are going to work unless there’s also tort reform.
Amazing that people lived completely without health insurance until about 50 years ago, isn’t it! How _do_ you suppose they managed? They also didn’t make near as much money as we do these days. Hmmm.
Just a note: all federal retirees are shuffled into Medicare at age 65. Or so they tell me at the pre-retirement seminars.
http://maggiesfarm.anotherdotcom.com/archives/10836-Top-Ten-Reasons-For-ObamaCare-Are-Based-On-False-Information.html
This does a good job refuting Barack’s distorts surrounding the health care debate.
“…how about a tax free savings account for health expenses? You can accumulate it till you die, then pass it on to your heirs – or pay it all out beforehand – however it works out.” – Suek
You’re describing Health Savings Accounts.
Health Savings Accounts (HSA) coupled with a high deductable insurance plan are a good alternative to the traditional health care plan.
http://www.kiplinger.com/features/archives/2004/02/hsa.html
I don’t think the benefits have been explained to most Americans.
What do you think will happen to that HSA if the Obama care plan goes through?
Politicians and have Medicare and Social Security revenue gaps down the road for years. The Medicare can is firmly lodged against the barricade at the end of the road.
Defeating the Barack plan, or any plan leading to single payer isn’t enough.
The opponents of Barack’s plan must come up with a credible alternative.
I don’t believe doing nothing is an option.
Health Savings Accounts, initiated in 2003, could be a piece of the solution.
If I understand it correctly, Medicare spending is 3% of GDP currently, will rise to 6.3% by 2030 and 10% of GDP in 75 years.
Here’s one proposal:
http://www.kiplinger.com/businessresource/recommend/archive/2008/medicare_reform.ncpa.html
In the 1990′s a bipartisan commission was formed to reform Medicare chaired by John Breaux and Bill Thomas. The commission disolved without a recommendation, but a proposal by Breaux and Thomas (two unlikely allies) was submitted to the senate.
Here’s an article about Bill Clinton’s alternative and the debate surrounding it:
http://www.cagw.org/site/PageServer?pagename=reports_trojanhorse
The politics of this eventually led to the 2003 prescription drug coverage under Medicare (part D), but none of the structural reform Bush was seeking.
http://web.mit.edu/polisci/research/Campbell/Shifting%20Line.pdf
Brian…
This link is specially for you:
http://directorblue.blogspot.com/2009/06/cold-chills-why-every-senior-should.html
I also want to ask…are there any private alternatives to Medicare and Medicaid?
If not, why do you think that is?
Here’s another to consider…
http://nhsblogdoc.blogspot.com/2006/06/lunchtime-phone-call-from-godson.html
I’m coming to the conclusion that the mantra of insuring the uninsured is a diversion to protect the second jewel of the progressive utopian vision- Medicare.
It isn’t rocket science to understand that if the risk pool is the elderly, premiums either need to reflect that or subsidies from the treasury need to increase geometrically with an aging population.
The left continues to hang their hopes of Medicare’s survival on a single payer plan (the government) with the American population as its pool. That alone won’t solve the problem though, since even adding those who can afford insurance but avoid coverage won’t make up the shortfall.
From the liberal The American Prospect:
The left realizes that any plan including a public alternative will drive the private sector from the market, and their goals of single pay universal health care hinge on that component, despite protestations from Barack himself.
CBO estimates of a ten year cost of $1 trillion dollars will only cover 16 million uninsured (which is probably a total closer to the actual number), leaving 36 million still uninsured (if you believe the figures). Which I think, exposes the true motive behind all this– salvaging some form of public health care insurance–Medicare, even if the plan never was and never will be sustainable.
The left also hangs its hat on cost savings because of Medicare billing efficiences, but those savings my be illusion due to the fact that most of the accounting costs are born by the private sector. Of the supposed 25% cost savings to be wrung from the switch from private to public financing, almost half of that may represent salaries of bookkeepers, billers, etc. What would happen to those newly unemployed workers?
Well I guess they would have a government health care plan to enjoy along with their unemployment check.
What is the constitutional authorization for health care of any sort? Actually, ditto social security…
Found this in the comments section here:
http://www.john-goodman-blog.com/why-health-reform-is-bound-to-fail/#more-3978
I think he’s on to something, and the Republican plan moving away from company based health care plans is worth looking at.
News article about the Patient Choice Act:
Brian…
We may yet come to the same point! I haven’t had time to read your last comment with any real thought, but I will. In the meantime…
http://directorblue.blogspot.com/2009/06/calling-democrat-socialized-medicine.html
Heh!
Here’s an article where Tom Coburn, sponsor of The Patient Choice Act describes his plan:
http://www.huffingtonpost.com/sen-tom-coburn/a-better-way-to-reform-he_b_213109.html?page=6
All progressive roads leading to Universal Health Care ultimately end at a single-payer system.
Here is a short video from proponents of single payer revealing a core contempt for the principal of profit– imagine removing profit from 20% of the economy!
The left is salivating and fortunately their arrogance may be their downfall.
http://www.letfreedomringblog.com/?p=4905