Posts Tagged ‘health care’

The Republicans Do Have Some Ideas on Health Care

Nov 4th, 09 / 0 Comments

Now, that’s not to say I’m at all happy with the congressional republicans right now. Too much bluster, voting no all the time, and refusing to budge on anything. And I don’t think most of their ideas will do the job either. Tort reform just isn’t going to do the trick, and cooperatives just wouldn’t be anywhere near as effective at lowering prices as the public option would be, because the cooperatives would have far less bargaining power as fewer people would be signed on to them.

However, they do have one idea, that’s really quite simple, that we should put into practice. Let people buy insurance across state lines, and force all the insurance companies in the country to compete with each other. Make them earn our business instead of being the only place to turn in a given area for coverage. As far as I’ve seen, it hasn’t been added to any reform efforts yet, and it really should be.

Now, I understand that this could cause some insurance companies to go under. While that isn’t great news, it would mostly be a result of having more companies than we need taking more money from the market of buyers than they can afford. And the health of our country comes before company survival. Of course, if too many companies fall out of business, then we’ll end up right back where we are now. I think this is unlikely to happen since there would be a much larger pool of people, so the presence of enough companies to foster competition could be supported.

That doesn’t mean we should do away with the public option though. I’m still a huge supporter of the public option, and I think it’s one of the most important parts of health care reform, along with eliminating clauses about pre-existing conditions and eliminating the ability of insurance companies to rescind coverage. The public option provides us with a non-profit option for health care, will help to keep the insurance companies honest, and can also be used to make sure a basic level of care is offered at a rate as affordable as possible. Besides which, the public option provides us with cover in case the remaining insurance companies after the dust settles decide they would like the idea of a rate hike.

But, when an idea is good, it’s good, and we ought to acknowledge that and think about how it might be incorporated into the larger policy package. Perhaps we’d hear more about it though, if the republicans would stop obstructing and start conversing.

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The Public Health Care Option and Mandate to Purchase Health Insurance

Sep 20th, 09 / 1 Comment

Two of the major reforms being proposed in the health care package being debated by congress are the addition of a non-profit public health insurance option (which is NOT single payer and is NOT socialized health care) and mandating that everyone purchase health insurance, with a fine levied on those who fail to do so. The mandate for purchasing health insurance needs to be tied to the public option, and if the public option isn’t passed, the mandate to purchase must not be passed either.

I understand why the mandate is seen as a good idea. There are many people who are uninsured who will have their bills footed indirectly by taxpayers and those who do purchase health insurance, and by requiring other people to purchase insurance, we’ll be spreading the cost around more and asking them to contribute to the pool of money that will likely end up helping them or their families at some point in their lives.

Here’s the problem though: many of the people who do not purchase health insurance can not afford it. They simply haven’t found a way to earn enough money to do so. Fining people money they don’t have is not the way to help them get insurance or get on their feet. While I understand there is a system of tax credits in the work, such a system does sometimes render people who need help to make such purchases ineligible for help. See the recent fiasco with food stamp benefits for an idea of what I mean. If this were to happen with health insurance, it could deal some families a financial blow they can’t deal with. The public option would be another layer of protection to prevent this from happening with a mandate to purchase in place.

I know there are also talks of having insurance co-ops instead of having a public option. I don’t think co-ops can replace having a public option when it comes to providing affordable insurance to the largest number of people possible. I think they would be a great supplement to the public option and give people more choices in their plans to pick one that best suits their needs, but a non-profit will likely be most able to offer the most inexpensive insurance, which is what some people need.

I’ll be honest, on their own, I think the public option is a good idea, and the mandate to purchase is a bad idea. As a package though, having the public option and the mandate together is still quite good, and I’d be very happy with a bill that did include both. I just don’t want to see a mandate to purchase health insurance pass, then see families who can’t afford health insurance fined because the assistance system put in place to help them overlooked them.

As a final note, I’m no expert on health care, I’ve just been reading a lot about it lately. So, this is true to the best of my knowledge, but there is a lot of information and misinformation going around, and it really is difficult to pick the good out from the bad right now. I’ve also mentioned my biases about the two major topics, so you know where I’m coming from on this. In addition, the bill is still being hotly debated, is constantly changing, and different ideas seem to be going on and off the table all the time, so it’s hard to keep up with all the developments. I’ve tried to be accurate in my representation of what is being talked about, but I know that I may be missing some pieces, so feel free to add your own voice in the comments if need be.

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