Heading into the 2008 election and beyond, the GOP must lead on health care
By Jeff Emanuel Posted in Economics | Health care | Nanny-Statism | Policy | Republicans | strategery — Comments (63) / Email this page » / Leave a comment »
If the Republican Party is to repair and reclaim its tarnished brand as the party of individual rights and responsibility, of limited government, and of real solutions for the American people, one issue on which the GOP must lead is health care.
The mantra of “50 million (and growing) uninsured Americans,” has become part of every Democrat politician's standard rhetoric. The Left, and many members of the media, are treating so-called "universal health coverage" as though it is (a) the correct solution to the U.S.’s health care woes, (b) a foregone conclusion, and (c) simply a matter of timing an detail at this point. Further, several polls show that a significant portion of the American population views the current health care situation both as an important issue, and as one which should be further intervened in, and regulated by, government.
This trend toward support of the Democrat platform on health care means that Republicans must eschew sitting idly by in favor of coming up with coherent, workable response to the Left on health care -- lest, through their inaction, they allow the party of government intervention to permanently own the issue.
Read on.
The strength of public opinion on the side of greater government involvement in heath care – which is helped along by media outlets like CNN, who find "lifelong Republicans" who claim they are now going to vote Democrat because they are the party that promises to offer "universal coverage" and who demand that all positions except those in favor of state health care be vigorously defended – dictates that the GOP move slightly leftward from a position on health care that demands strictly free-market-based solutions. However, Republicans can still occupy a niche far to the right (and far more pro-choice) than that in which the Democrats are currently ensconced.
As with many issues, health care and health coverage (two entirely separate concepts which have been blurred together in the public and political consciousness) are emotional topics; therefore, they are more easily capitalized on by the sloganeering, “appeal-to-heart-not-mind” Left than by the Right, who -- given the fact that their positions and prescriptions are based on economic and practical reality -- is often stuck doing a great deal of explaining of their ideas, complete with the numbers and formulae that show why they will actually work.
That being said, if the GOP is willing to make the effort to get in front of the press and the American people for -- not in, but for -- the next three years and explain their health care policy and why it will work better than the state-run programs proposed by the Democrats, then they have a very real chance to make progress in educating the American people and in taking back an issue that should -- by all practical rights -- be one on which the Republican party is more trusted by the citizenry.
To do this, the GOP needs to come up with a market-based health care platform – one which is unified and workable, and which acknowledges heath care and health coverage as a necessity while maximizing consumer choice and provider competition. The GOP should vocally embrace choice-expanding and cost-saving options and solutions like:
- -Encouraging voluntary high-deductible, low-premium coverage options like Health Savings Accounts
- -Allowing health insurance competition to take place across state lines
- -Continuing to advocate for Tort reform
- -Restricting Medicare, Medicaid, and SCHIP to individuals who are actually needy (taking a stand on this last year, while portrayed by Democrats and media members as a crime against children, ended up being a legislative victory for Republicans, as SCHIP was extended in its current form, not expanded, by a 411-3 final vote)
- -Eliminating superfluous mandatory minimum coverages (like birthmark removal and chiropractics) that some states require of all insurance policies sold within their borders
- -Providing tax breaks for individuals and businesses who purchase health coverage
Articulate the problems with other state-run health care systems
As the second half of this public relations offensive, the GOP absolutely must make sure that the problems with state-run health care systems around the world are presented to the American people.
For example, in Britain alone:
- -In 2004, low-quality, taxpayer-funded health care killed more than 17,000 citizens, and the country had a 29% higher amenable mortality rate than Denmark, Germany, Spain, and France, all of which have health care systems that are less dominated by government
- -Medical professionals are fleeing from the National Health System at a record rate. Holding true to the proverb "when the rats start abandoning ship, it's a good time to look at hopping off yourself," people should take note of the fact that thousands of practitioners have taken out private health insurance policies instead of remaining covered under the national health system in which they work
- -The NHS is in such dire straits that physicians' groups are now saying that, if the program is to remain solvent enough to keep running at all, they must start refusing medical treatment to the obese, the elderly, and those with chronic diseases or addictions. This would, of course, negate the entire argument for state-run health care: namely, that everybody will be able to be treated
- -With the health system being under the thumb of the government, care is sacrificed for the sake of boast-worthy statistics that ignore the cost of their achievement -- like the fact that, in order to fulfill the government’s promise of "every patient being treated within 4 hours of entering the hospital," thousands of seriously ill patients a year are being kept in ambulances outside hospital emergency rooms for hours because administrators will not let them in until they can treat them within four hours.
Examples of the folly of state-run health care abound, from Canada, where Saskatchewan residents, for example, drive across the border into North Dakota by the hundreds every year and pay cash for magnetic resonance imaging (MRI) scans without waiting the Canadian-standard 6 to 12 months, to Russia. By law, every Russian citizen is entitled to “free health care.” What this has wrought – despite President Vladimir Putin's doubling state health care spending during his term – is a system that is astronomically expensive, rampant with corruption, and dependent on massive bribes to get any manner of "quality" care whatsoever.
Examples of the mess that government health care can lead to can be found much closer to home, as well. For example, for a glimpse at what Democrats would lead us into with state-run health care, Americans need look no further than a notorious example here at home: the infamous Building 18 at Walter Reed.
Health care is an issue that the Republican party can lead on, but it will take a concerted and collaborative (but uncompromising) effort, along with better public relations savvy than the GOP has been known for of late. Solutions are available to the current health care crisis that are much more market-based than what has been offered to date by Democrats, and the Republican party needs to begin touting those as frequently and as loudly as possible.
An individual mandate – a governmental requirement that every citizen have health insurance -- is neither enforceable nor advisable. However, the fact is, we require that every driver in the country be insured -- and, while millions of people will get through their lives without ever having needed their automobile insurance, 100% of people will, at some time in their lives, need medical treatment or care. This means that health coverage must be accessible to those who can afford and desire it (as a great number of the "50 million uninsured" are that way because of personal choice), and available in some form to those who cannot afford to insure themselves.
Advocating market-based reforms like HSAs, interstate competition, and tax credits will help make that coverage more accessible. Advocating increased choice may help persuade the American people that the Republican party’s platform on this issue is the one which is capable of benefiting them the most.
...it's hard to combat "We'll give you healthcare for all!"
You and I know that's a line of crap. But it does sell -- which is why so many countries have taken the dive off the cliff.
The Democrats have basically gotten it so that we end up looking like we are protecting the status quo. And that's why the SCHIP debate went as it did -- even if, legislatively, we won it.
We need to put our set of ideas into a sellable message -- because I think a lot of people are squeamish about turning over healthcare to Uncle Sam, and justifiably so. But we don't seem to be putting out a competing vision.
"People will not look forward to posterity who never look backward to their ancestors." -Edmund Burke
Should we just let them die on the curb ?
Aren't we a wealthy enough nation to provide for our least fortunate ?
The government is already paying for most healthcare if it took over the rest would there be such a difference ? We have the best healthcare system in the world.
Having just one payer would simplify things.
Insurance companies let people die.
This list brought to you by decades of muddle headed thinking. Its also what I go through every day I have to speak to my customers customers. Its a very high thick wall and if you try to approach them with anything less than a guarantee (Yes I know just what kind of a guarantee the dems offer) they shut down on you.
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"Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it."
-Thomas Paine: The American Crisis, No. 4, 1777
Conservative and Republican politicians won't make any headway I think. What tips the scales for the Dems is their media lapdogs. Not just news, it's the celebrities, it's the yakkity shows, it's the propaganda films.
We need some Ben Stein style movies about Health Care, produced and entered at film festivals, funded by conservative groups for limited release. Maybe we need celebrity spokespeople.
Healthcare is a public relations issue. We are pretty sucky at public relations, all things considered. I think this is too important of an issue to let the elected take the lead.
absentee
My major point here was that the GOP must take these common sense points of reform, and go on an extended, effective public relations offensive with them.
I agree with your blog absolutely. I am thinking strategy. But absolutely the GOP must go on a road show.
I'm just saying I think we must make the forward voice civilian, because those we must convince are already convinced, but the wrong way, and by voices that sell better than our GOP elected.
Even if not the forward voice, I think a tandem one is essential.
absentee
Its that whole party of business image we have. And have had for better than a century.
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"Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it."
-Thomas Paine: The American Crisis, No. 4, 1777
However, we won't win the PR offensive with an itemized list of obscure policy tweaks. We need a single unifying health care theme to sell the public. It needs to be a core principle that busy, marginally informed people can understand, remember, and rally around. The Dems are winning the debate because their premise is simple to understand and repeat ad nauseum: "Government health insurance for everyone, yay!"
Between now and August our ideas community (think tanks, blogs, forums) needs to really dig into the issue and come up with a coherent theme that we can roll out at the convention. Your post is an excellent start.
"If all men were just, there would be no need of valor."
- Agesilaus
...the Prez was on the right track -- or was trying to be -- when he began speaking of the "ownership society" he wanted to facilitate America becoming. It was too little too late from a man who can't sell oil cans to tin woodmen, but I think that it's a step in the right direction.
The overarching theme here has got to be increased *choice*, paired with more affordable *costs*. If the cynical voice inside my head is correct, and the majority of Americans would prefer higher-costing, no-choice/no-thought nannystate-ism to being able to better control their own care and destinies, then we'll be fighting an uphill (and perhaps unwinnable) battle here.
Is thematically strong, I agree. We'd have to make sure it was presented more effectively than it was with regard to Social Security.
The forces of the left will marshall their propaganda streams to make Health Care Choice (HCC) synonymous with Rich Fat Cats Funneling Money To Private Insurance Companies Who Never Pay For Your Healthcare (RFCFMTPICWNPFYH).
Choice mustn't give the impression of complexity either. Infomercials effectively sell people on the idea that things as simple as hanging pictures are just too complex. Think of the commercials that begin "Are you tired of the hassle of blank" They're all, don't you worry about blank, let me worry about blank.
Smart only sells if it's the "smart chick in the horn-rimmed glasses and mini-skirt" sort of smart. Otherwise, simple things for simple minds.
We should be distrubting shiny baubles with slogans like "Choose To Be Healthy" "Opt In to Care" "50 cc's of peace of mind, STAT!"
Sigh. What a silly world.
absentee
"You have what my old music teacher Mrs. Mellinger called 'stupid fingers'!"
absentee
I'm with you on this. It's a serious issue. Republicans reun the risk of looking woefully out of touch if they ignore it or counter Democrate claims with esoteric discussions of Adam Smith and free market principles.
As the entitlement programs are CURRENTLY structured, they are projecting that a 70% or higher tax rate will be required down the road. What level of taxation/borrowing will be required for socialized healthcare? It's completely ridiculous to even suggest that our country can afford something like that.
“.....women and minorities hardest hit”
It doesn't fly either. I know a few of those sorts who think crossover voting on Healthcare is wise for the future. Addressing costs drifts past them. They've been sold on "Save the Children".
My feeling is we can't just make arguments here. We've got to package them, I think.
absentee
...if the GOP's position is that future costs associated with health care under Medicare or other programs are not sustainable, why did a GOP Congress and a GOP president pass and sign into law legislation expanding Medicare to include a prescription drug benefit.?
Aka pandering to the old people.
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"Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it."
-Thomas Paine: The American Crisis, No. 4, 1777
would suddenly vote for them enmass...the same way they were going to pass "comprehensive immigration reform"....they are under some kind of DC "drug induced" illusion that if they give stuff away like Democrats suddenly Democrats will vote for them....instead of tending to their base of support.
Freedom of Religion not Freedom from Religion
Did you think we weren't aware of this or weren't bothered by it ?
Or that we didn't realize the president that pushed it isn't running and our candidate that is voted against it ?
And finally were you actually looking for an answer ?
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"Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it."
-Thomas Paine: The American Crisis, No. 4, 1777
...that was opposed by many on the GOP. They had to keep the vote in the House open for 3 hours to get it passed.
McCain, BTW, voted against it. Kudos to him on that one.
“.....women and minorities hardest hit”
it just won't work, and absentee has identified the primary reason: PR. You say the GOP needs to go on an extended public relations offensive. The problem is that the Republicans' "offensives" usually look, well, offensive. We're dealing with an American public that is more and more sympathetic to the nanny state. The prescription drug program that W passed was and is overwhelmingly positively received. So just resisting further governmental intervention is unlikely to get a good hearing. Most of your ideas will get a good hearing, except perhaps "Restricting Medicare, Medicaid, and SCHIP to individuals who are actually needy" - that one will get the lefties howling and will be a bulls-eye for bad PR.
I fear the American populace is so intoxicated on government handouts now, and as absentee points out, so under the spell of the MSM, that just about anything the GOP proposes short of full, single-payer, government-subsidized health coverage (Medicare++) is unlikely to fly, no matter how much of a full-court press the GOP exerts.
Sorry about the pessimism, but I can't visualize a scenario where we win on this one.
(I just read David Frum's new book "Comeback: Conservatism That Can Win Again", and he addresses health care, and proposes a couple of the same points as you. Unfortunately I turned it back in to the library, or I'd quote his strategy...when I read it, it made pretty good sense, though.)
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Plus, there comes a point when even liberal New Deal Democrats have to confront fiscal realities. As I mentioned earlier, our CURRENT entitlement structure will require a 70% tax rate or higher down the line if they are not reformed. Adding a single-payer government run system just doesn't work - the money isn't there. People may be enamored with entitlements, but they also won't be willing to pay those kinds of taxes.
“.....women and minorities hardest hit”
there comes a point when even liberal New Deal Democrats have to confront fiscal realities.
Well, the maximum tax rate was around 70% when Reagan came into office. And I know that a large number of lefties are sorry that we're not stabbing the "rich" with a rate around that level now. So I don't know that that will deter the socialists liberals Democrytes Congress from considering it.
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have increased those taxes? Just wondering...you seem to determined to get that money...
Formally known as Deagle... "Golf is a way of life..."
I have no idea what you're talking about. I'm saying the leftists will be happy to increase the taxes to fund free medical care and/or anything else on their little wish list. Personally, I have a very good employer-funded medical plan (and I made full use of it last year during my prostate cancer odyssey), and I'm not all that eager for it to change. I do think something needs to be done to control the outrageous price increases that we see every year, but frankly, I have no ideas as far as that goes. I don't think replicating the UK's NHS is the way to do it, tho'.
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Not gonna be enough to sit back and point out why the Dems plan won't work. We have to present an alternative plan that sounds like it will work better.
Example: "No Child Left Behind." It wasn't enough in 2000 for Bush to point out that Democratic plans to meddle with education policy wouldn't work. He had to come up with a plausible alternative proposal to "fix" things; so he drew on his Governor experience and sold himself as the "education President". That took a major issue out of the Democrat's arsenal. We need to mirror that approach.
"If all men were just, there would be no need of valor."
- Agesilaus
and I like your other posting about a "single theme". Absolutely. A series of wonkish policy statements won't work. "No Child Left Behind" is a great example, sorta like Reagan's "Star Wars" defense plan. This is sales, plain and simple.
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the "required healthcare" approach.
Perhaps you can't complete your tax form without your health care information and if you don't provide it then you are enrolled in the government health care plan at a substantial cost.
Frankly, multiple choices including high deductibles coupled with REQUIRING insurance companies to accept everyone (that's gonna leave a mark) and at the same time assisting low income people leaves us with :
Mitt-Care
But then I didn't think Mitt-Care was all that bad of an idea even if it hasn't worked out perfectly.
... UNIVERSAL HEALTH CARE SYSTEM. They mandated that insurance companies provide insurance to all that apply (no exclusions for pre existing, and all accepted at that company's published price), with some incentives for healthy lifestyle.
The insurance companies are responsible for managing costs, and since they can not exclude and manipulate the pool, they actually have to minimize costs and maximize efficiency. Also, customers can leave (I believe once per year) for another plan.
The government provided tax breaks for insurers that had a percentage of certain types of high cost patients in their pool, which insures that the companies provide good service, as opposed to drive them out with bad care.
The WSJ had an article about it several months ago. I'm not a suscriber, but perhaps someone here can copy and past a few of the pertinent points in a post.
http://online.wsj.com/article/SB118903445878218649.html
(I'm a subscriber, so I may be able to view it because of that...)
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Thanks. I only got to see the first two paragraphs, but hopefully others will be able to read it.
What did you think?
I've been saying this same thing (although much less eloquently) for a while. If R's don't come up with a better strategy than just calling Dem's plans socialized then we lose and they look like the experts.
I'm afraid this issue has become much like many others - the Dem's plans are seen as giving out freebies, while Republican ideas like MSA's are seen as hard-work. It's going to be hard to win when so many, well I'll just call it like it is, stupid, new voters are there who just want the handouts that are being promised by Obama and Clinton.
I'm pleased to see that you seem to be taking a much more open approach to the idea of the misunderstood individual mandate.
"The time for honoring yourself will soon be at an end."
- Maximus
is try to intelligently structure some sort of system.
The Right, especially the business community, has slavishly backed HSAs; people don't really want or like them. They really are a work-around for the fact that employers can buy HI pre-tax and individuals can't. So fix the problem with the tax system and allow people to individually buy HI pre-tax.
The real need and the very real fear for responsible but not well-off people is the catastrophic medical situation. We need to devise a universally available catastrophic/major medical plan. As much as I don't like federalizing things, this is an area where state lines need to be crossed. This has a little in common with what I know of the Dutch system: if an insurance company is doing business in the US, it must offer a relatively high-deductible, say 80%-20% with maybe $5K deductible, major medical plan to ALL comers and with no pre-existing condition exception. We use the tax system to allow pre-tax payments and some graduated "credit" system for those who can't afford it.
What we MUST avoid is a government run "universal" health care system where you go to the Doc whenever you want and for whatever you want and the Fed picks up all or most of the bill. Politics being politics and politicians being politicians, before long we'll be paying for spiritual healing, tit tucks, sex changes, tattoo removal, behavior mod for brats, drug and alcohol spin drys, and on, and on until every dime in the economy is sucked into it.
The "prime directive" must be that the government cannot run it and cannot set benefit levels for anything other than the aforementioned catastrophic plan. No government will have any incentive for cost control and every pandering politician will have every incentive to mandate benefits for the condition du jour - especially if it is backed by some contributions.
I could go on, but it would start to feel like work and it's getting late.
In Vino Veritas
a bare bones system like you speak of would still have competition since each company would want to get younger people on their basic package then upgrade them. Such a system would not do much, however to minimize costs. I t has to go along with medical liability reform and some other efforts to punish hospitals especially for their notorious over-billing. I will give you a prime example.
I went into a hospital with a nosebleed. An intern stuck some chemical up my nose to cauterize it. I left, my insurance company got a bill for over one thousand dollars! That is the kind of crap they have been getting away with for years.
"Nothing works like freedom, Nothing succeeds like liberty"
Kyle
is its own separate issue. A tremendous amount of our medical costs are predicated on defensive medicine to avoid plaintiffs' attornies and twelve morons with driver's licenses.
In Vino Veritas
Why do they argue for government controlled healthcare but are ok about a private system for food? Isn't food at least as important than medical care, if not more so? Why does a capitalist system work for food but not for healthcare? We can and should make this type of argument about any necessity: food, clothing, shelter. I have always thought that this is the type of tactic we should have with the minimum wage too. When the Democrats threaten to increase the minimum wage, Republicans should introduce a bill to increase it to $100 or $200 an hour. Let the Democrats argue why the lowest worker shouldn't be enjoying a caviar lifestyle.
If the federal government is going to intervene, it should do it in ways that make economic sense.
Make a new requirement for medical schools to recieve federal grants: Enroll more students.
I know of straight A students who are having a difficult time getting into medical school. There are a lot more highly qualified people who want to become doctors then are slots in medical schools. On the other hand, is there really any incentives for new or expanded medical schools?
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"Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it."
-Thomas Paine: The American Crisis, No. 4, 1777
We don't mandate auto insurance to protect the driver. We mandate it to protect everyone else on the road. Drivers must be insured for Liability, not for their own personal or property damage. So the analogy only goes so far.
Another point: auto insurance laws are a matter for the states, and do in fact vary widely from state to state.
Perhaps that should be the core of our health care platform: let the states innovate with various approaches and programs, with the federal government playing a supporting role as it does in education. That has the merit of being ideologically consistent with other core Republican approaches and with McCain's own federalist philosophy.
"If all men were just, there would be no need of valor."
- Agesilaus
..in exactly the way you argued against it. A mandatory minimum level of health coverage for an individual would not pay to fix damages to others (like liability automotive ins.), that's true -- however, it would prevent others from having to pay that individual's hospital bills when, not if, that person has to receive treatment for something.
We had 6 years with a GOP president and Congress to put forward a plan and sell it to the public.
I doubt most Americans can name one single idea the GOP majority congress had to fix the health insurance issue.
So now we don't have credibility on the issue because we went to sleep on it.
Let this be a lesson - if you don't address an issue the voters believe is very important you wind up handing the issue to the other side regardless of how dumb their plan is - because to voters at least a plan is better then the status quo.
Woe is us. We must focus attention on the Congress that lost. The Congress that failed. We must take a right wing blog and turn it into Rahm Emanuel's PR Firm.
After all, there's never a good reason to thrown in the towel when you can use it to hang yourself instead.
"I believe we must adjourn this meeting to some other place." - The last recorded words of Adam Smith.
But it is imporatant to learn from their mistakes because we will get the majority back and it would be nice if we didn't ignore a top shelf issue the next time it happens.
As for throwing in the towel - Bush and the GOP Congress did that already. I guess trying to modernize and reform social security (an issue not that important to most voters) was more significant then reforming health care/insurance.
We can talk about spending, corruption and scandel doing us in in 2006 - but it is also a result of not tackling the biggest domestic issue of this decade (according to many polls).
Let's say someone came up to you and said "Seriously, next time the Republicans have the Executive and the Legislature, we totally will cut spending and earmarks and all that stuff. Remember, the Democrats would have been worse!"
Would you believe them?
Let's say they left off the part about how the Democrats would have been worse.
Would you believe them?
Let's say that someone else came up and said "You know, when there was gridlock, spending was kept in check a lot more."
Which argument would you, personally, find more persuasive?
Now imagine you are the proverbial undecided voter.
Which argument would you, personally, find more persuasive?
Man is free at the moment he wishes to be. --Voltaire
1. I would have a very hard time believing that a GOP majority Congress would cut spending and earmarks - regardless if they mentioned the Dems would be worse.
2. Yes, saying gridlock would reduce spending is much more persuasive - based on what happened with Gingrich's Congress and Hastert's Congress.
If I was an undecided voter and my priority was less spending I would prefer a divided government.
At my little Republican precinct meeting on Tuesday night, there were three resolutions:
1. Protect the unborn.
2. Preserve traditional marriage.
3. "Health care is a national problem." (The woman who proposed it told a very credible story of the difficulty she had in buying insurance when she was self-employed.)
We CANNOT afford to hand over this issue to the Democrats.
"People will not look forward to posterity who never look backward to their ancestors." -Edmund Burke
There was a fourth--that the government should be frugal with the taxpayers' money.
"People will not look forward to posterity who never look backward to their ancestors." -Edmund Burke
How expensive will health care get? Way worse if you get free coverage to everyone. Universal health care will exacerbate the cause of rising health care expenses--what we call the "moral hazard" of health insurance.
Essentially it works like this. If you let people drink unlimited Pepsi for only a dollar a year, they will become Pepsi gluttons. In the US, medical costs rise because people want Doctors to "do everything" to help them. "Everything" entails many, many, many procedures incurring huge expenses. In the last few months of life people often rack up tens and even hundreds of thousands of dollars in medical expenses for little if any health benefit-because we have a moral hazard and will say "do everything" knowing it is not our expense, or feeling that we have already paid it to our insurance companies. We then die and pass along the cost to the next person who buys insurance (or to some poor taxpayer).
With universal health care this will only get worse unless the government tightly controls end of life care and other huge expenses such as dialysis, treatment for chronic diseases, bringing high risk pregnancies to term etc.-which would prove too unpopular for anyone in public office to actually do.
In the end taxpayers will bear the burden of the cost. Many tax payers will bear the burden twice, as cuts in doctor reimbursement will drive physicians to sub-specialize or go into boutique practices that won't (because it's not financially viable) take medicade/medicare. Many people who want quality treatment instead of an impersonal high throughput system with unreasonable waits for procedures and imaging will have to choose between the public system and paying out of pocket for the private system.
The obvious answer is not universal health care, but instead going to a market based system, perhaps giving tax credits or refunds for people to either find their own insurance or to pay for their care directly. People will then make more reasonable decisions regarding their health care and would also have economic incentive to take better care of themselves (helping combat the obesity epidemic and smoking). With this method, the current burden on employers would be reduced (a big reason there are so many uninsured), costs would be subject to market forces, and the cost and quality of private insurance would get better as insurance companies shifted their attention away from companies and big groups, and started focusing and competing for individuals.
So listen up America-pay for your health care once or twice.... Seeing that Social Security + Medicaid + Medicare = more than 40% of spending already, the answer seems obvious.
His point was the necessity of acknowledging the problem--not proposing "free" health care.
"People will not look forward to posterity who never look backward to their ancestors." -Edmund Burke
...what, exactly?
"To do this, the GOP needs to come up with a market-based health care platform – one which is unified and workable, and which acknowledges heath care and health coverage as a necessity while maximizing consumer choice and provider competition. The GOP should vocally embrace choice-expanding and cost-saving options and solutions like:"
Sorry--I didn't read far enough and assumed he was discussing universal healthcare-this suggestion is actually a good one. --My heart rate and BP just jumps at the thought of Medicare for all (scary stuff!) and I get a bit too excited.
I favor your idea for high-deductible insurance. The thing that is most troubling to middle america, is not the prospect of having to pay $100 instead of a $20 co-pay, or even the threat of a bill fo $2000. No, it's the astronomical bills that come in for chronic or endurig illness. It's the bankruptcy-inducing bills.
We should eb very aggressive in seeking ways to provide that "safety net" in a way that encourages the free-enterprise system that will bring costs down.
Proposal:
1. Tax breaks and deregulation to allow the development of national insurance companies, with national risk pools, with direct contractual relationships with individuals--on a per-family basis of over 10K.
2. In exchange for the privileged position, these insruance companies (hopefully a minimum of 7 or of) will be subject to strict(er) antitrust regulations.
3. They will set standard per-person, and per-family rates. Need-blind.
4. Moreover, they will be forbidden from (1) dropping people or jacking up the premium on people once they get sick.
5. What about the uninsured showing up at emergency rooms? As a condition of being treated, they will be automatically enrolled at random among the several companies (and they will owe, say a year of back premiums)--and those companies will have extraordinary collection authority--security interest on any real property, or priority in bankruptcy, etc. But no--no debtor's prisons. :)
"People will not look forward to posterity who never look backward to their ancestors." -Edmund Burke
I like many of your suggestions, but think that $2000 may be too low to discourage treatments with high cost/benefit ratios. For example should we be spending 100K on someone's last three months of life? If they want to pay out of their own pocket and take the gamble of getting another month or two that's cool but the "do everything Doc" moral hazard mentality of America has to stop to contain costs and make insurance affordable. I'd rather see $5 co-pays on preventitive and maitance type health visits-with higher costs for more exotic and expensive care--encouraging people to evaluate what treatment will have the best payoff for themselves and their families.
Perhaps a system similar to how the FAFSA (Federal Application for Student Aid) evaluates estimated family contribution for college could be used to come up with an "expected family contribution for expensive health care treatments" based on income and savings-this would give people a financial "buy in" to their treatment and reduce the "moral hazard" while still making sure treatment is available to anyone who deems it is worth the money they will have to put forward.
This is a new idea I'm just throwing out there--it's probably still half baked and may be difficult to implement--but may have some merit. It would likely differ between insurance companies-and would require over site and regulation to prevent abuse or manipulation by the insurance buiz. But could address some of the problems the Dems seem to be riding right now.
What are your thoughts to this approach??
private payer, we won't have to re-invent the wheel, and it is working.
We know that whatever plan we put forward, the Dem's will say "that can't work because ________, Republicans just want health care for the rich". If we crib the Dutch system, we can say, "It is working, and in a European country, and for rich and poor alike"
Basically, when they attack it, we can say "Scoreboard."
Please Tell more about the Dutch system. I am in medicine, but not very familiar with systems other than US, Canada, and GB. Is there a good link for me to read up on this??
After you deliver a baby, you head home about 4-6 hours later and you are on your own. A home health nurse comes over each day for a few days and spends 30 minutes to an hour checking out the mom and the baby and then goes on her merry way. This is all covered by ins/govt or whatever.
Unless you are an US Army wife stationed there with your husband. Then you get sent home and no services because Tri-Care won't cover home health.
Oh, and no epidural. Ack! Give me my drugs!
The Unofficial RedState FAQ
“You are not only responsible for what you say, but also for what you do not say. ” - Martin Luther
here:
http://online.wsj.com/article/SB118903445878218649.html
This was found and posted by an earlier reader, so I take very little credit in placing it here;)
Those who get "employer-funded" heath care think they're getting a freebie. The WSJ has an entry on their "Health Blog" on this topic today ("Employers Pick Workers' Pockets on Health Insurance"). The writer states:
Most people who get insurance at work believe that it’s the boss. But the notion that employers really pay for insurance for their employees simply isn’t true.
That misunderstanding is called the “myth of shared responsibility” by Ezekiel Emanuel, the ethics guy, and Victor Fuchs, the money guy, in a commentary in JAMA. They explain that the cost of health insurance comes not from employers’ profits but from employee wages. Employers adjust for rising health care costs by essentially docking pay, and “the increasing cost of health care has resulted in relatively flat real wages for 30 years,” they write.
Why does the myth matter? Emanuel says that people’s belief that they’re getting a free benefit is a big reason why they are resistant to a major overhaul of the health care system. But employer-based health care is economically inefficient, Emanuel tells the Health Blog. A substantial chunk of the money goes to pay for things that have nothing to do with health care, such as underwriting, sales and marketing.
So another thing we must convince the public (those who get insurance today via employers) is how much it's really costing them and how much a true choice-based system might benefit them. Unfortunately, that "convincing" must be done via 30-second soundbites and not via 30-page policy papers and spreadsheets.
The Unofficial RedState FAQ
“You are not only responsible for what you say, but also for what you do not say. ” - Martin Luther
Great Point bs. Most people don't feel the full cost because it comes out of each paycheck instead of as a lump sum. Great JAMA citation too--thanks!
The only success I ever had in meaningful cost containment for H&W was by negotiating it with the unions. They very well understood that every dime we spent on H&W as a dime that couldn't go on a paycheck. Also, about the only thing we and the unions ever cooperated on in dealing with the Legislature was resisting provider attempts to legislatively overturn our cost containment measures.
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run with it? They just about had a baby when Pelosi made them look like "old meanies" with the SCHIP program.....I really thought they were going to fold there and was grateful when they did not.
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