Comment Re:Obama (Score 1) 706
It was not a predatory plan, it was a premium plan. It had excellent coverage. I'm not a lawyer nor an accountant so delving into the particular requirements of the thousands of pages of new regs that led to the policy's demise is a bit much to ask. I had the same policy for a number of years
I won't deny the possibility of what you're saying, I just don't understand how that's possible. Surely the ACA isn't outlawing "premium", "excellent coverage" plans, is it? Is that what you're alleging? That the ACA arbitrarily outlaws good plans? Why would such legislation even be drafted, to accomplish what goal? Furthermore, why wouldn't anyone be able to point out that bit of legalese responsible this and say "See -- This is why the ACA is terrible" in the years since it's been signed into law? It just doesn't add up to me. Surely out of the many millions of people complaining about the ACA, one of them would be identify the piece of the law that requires the cancellation of such "premium" plans, no? Do you understand how someone who hasn't been negatively impacted in the way you describe might be skeptical regarding such claims? I mean, I'll grant that it's possible, but it really just doesn't make sense.
The AHA doesn't lower costs, it raises them. All the insurers and health care providers have to ensure they're compliant which is not a cheap thing to do. That expense alone raises costs. I'm judging the performance based on my own costs. The amount billed for care I've received previously haven't changed significantly, it's the replacement plan paying out less. So it's not the cost of care that's increasing, it's my out of pocket expense. So the new plan costs more and covers less. Maybe I'm in an unlucky edge case, but I hear a lot of people say the same of their own situation. Even the health care providers I see are complaining about it.
Okay, so there's compliance costs. That's a very real cost in the healthcare industry. Some estimates of what percentage of healthcare costs are the result of compliance burdens are hard to believe. I won't deny that additional regulation in that industry could (and likely would) have significant costs. Even something as simple as the Sunshine Act (2007) has had a significant impact in the industry. I believe compliance (and all other) costs were included in surveys conducted that demonstrate that overall, the ACA has had a positive impact on the cost of healthcare. Looking at the numbers, it is evident that the cost of healthcare has continued to rise since the ACA hit, but the rate at which it is increasing has dropped to 3% (from 5%-7%). These numbers aren't very comprehensive. It would be nice to know not just the average impact, but the median and maybe even the distribution of cost impact. Maybe some small number of people is saving a huge amount and everyone else is getting a slight cost increase (although I don't think that's likely). Maybe some small number of people is getting royally fucked and everyone else is getting a slight cost decrease (also unlikely). These numbers only tell us that on average, the rise in costs has been somewhat stemmed, and that the increased costs of compliance have been more than countered by decreased costs elsewhere.
If Medicare pays so much, why had places like the Mayo Clinic dumped all their patients that have it? That's not a thing that is done lightly. That was a big talking point while the legislation was being debated. Many facilities across the country are faced with dropping those patients or charging more to everyone else to eat the loss. You're pointing to the pay as a problem, but it's not true that every doctor is raking in a fortune. With the decrease in compensation for services rendered, they have fit more patients in just to keep the lights on. Some specialists may be making a ton of money, but IMO, they've earned it. I don't want a minimum wage surgeon operating on me.
It's a market. The Mayo Clinic did the math and decided it would be more profitable to raise their prices, limiting the demand for their product, but enjoying fatter margins. Other doctors will lower their prices, increasing demand for their product, but tightening up their margins. While it's nice to think that everyone can be served by the finest medical practitioners, that's not realistic. What will all the other doctors do? How will the best of the best find time to treat everyone? If we're honest with each other, we must admit that healthcare will be rationed no matter which way you slice it. It's just that today, instead of thinking in terms of actual prices, we're forced to think in terms of which doctors accept which insurance plans.
You have way too high an opinion of single payer. Visit the UK sometime and listen to their news and call in shows about the horror stories of the NHS. Canada has a problem with wait lists similar to our VA. I needed surgery before the AHA for a somewhat rare issue and was in the OR within about three months. I've spoken with people in Canada who had been wait listed for multiple years because there's an arbitrary cap on the number of those surgeries that can be performed annually, regardless of how bad a shape the patient is in. I met one of those patients at a hospital here in the US. They were here because they couldn't bear the pain and other symptoms any longer.
No system is perfect, and it's not hard to find anecdotes to support a position on any side of the argument. Have you not heard of failures here in the US? People getting sick only to have their insurance drop their coverage, and next thing you know they're filing for bankruptcy and their house is gone? Uninsured people who use the emergency room as their primary care provider? I understand that the system of healthcare rationing found in single-payer countries is similarly imperfect. It may be frustrating for someone who is well-off that they have to wait their turn to get services that they deem to be a high priority. However, there are only so many doctors. In this country, the well-off don't need to wait as long, but the poor, well, they don't need to wait at all. They're just fucked. At least those well-off people in single-payer countries have the option to go somewhere where they can pay cash and skip the line. The poor here in America, they're not buying tickets to socialist paradises to get their healthcare. They're just dying.
We're a fast food nation that doesn't exercise. That's less of a problem in the rest of the "developed" world. I think you probably realize that already.
Indeed, I understand that. It could be argued that our system encourages the formation of this type of society. In a single-payer country, the government is incentivized to improve health, to decrease the cost of healthcare, because that cost is paid from the government's pocket. In our country, insurers have no such incentive (and may even be incentivized to worsen health, as their profits are capped to a percentage of their revenues -- the more healthcare services rendered, the more revenues, the more profits). However, if it's not fair to say that we have worse outcomes (because Americans are fat cows), then it's not fair to say that we have the best healthcare (how can you compare quality of healthcare if there's no fair way of comparing outcomes?).
We do have the best system. A lot of the groundbreaking advances in medicine happen right here in the states. It's not misconception, but the self-haters among us would like everyone else to believe that. I am seeing one of the leading specialists right now at one of our best hospitals. My old policy paid a lot more of the bills for me, but the newer plan still covers it somewhat.. mostly after I hit the annual out-of-pocket. If ever that changed, I would very likely end up on disability and die shortly after. I've seen many specialists and it wasn't until I went to the "expensive" hospital to see the "expensive" doctor that we finally came up with a way of keeping me in the workforce. That's why I take this whole mess very personally. Your life may not depend on it, but mine certainly does.
For some values of best. I don't deny that a lot of the groundbreaking advances in medicine happen right here in the states. But is that what we want out of our healthcare system? R&D? Or do we want health? Because being good at one doesn't necessarily mean being good at the other. I don't begrudge you access to your specialist, but your specialist can't treat everyone. How, as a society, do we want to ration his services? Should we only allow him to treat the wealthiest patients who have the insurance plans willing to pay the most for his services? Only the uber-wealthy who are willing to pay extraordinary amounts out of pocket? Or should we decouple the access to healthcare from access to wealth? It's a legitimate question, with legitimate arguments on all sides.
I don't like Obama's "take the pain pill instead of the surgery" rhetoric. I recall Governor Patrick of MA on the radio saying that one way to control costs would be to do as you suggest, block people from going to the best facilities. That's great, because for me, that's a death sentence. How dare any of you. Single payer would almost certainly implement such restrictions. The best care would then only be available to the uber rich that could pay out of pocket. No thanks.
I'm not familiar with the rhetoric you refer to (but if that statement was meant literally, I disagree with it wholeheartedly). Regarding Gov. Patrick's statement, it may not be acceptable to you, but we need to have an honest discussion about this. For you, such an approach is a death sentence. But what if you were poor and uninsured and he was arguing that one way to control costs would be to do as you suggest, block people that don't have insurance. Why would that death sentence be any better? Fundamentally, the problem is that healthcare is not in abundant supply. It's not free. Due to this scarcity, it needs to be rationed in some manner. Some people will be handed death sentences. It will suck. However, to pretend that leaving things as they are somehow gets around this problem is absurd. We're already rationing healthcare, on the basis of insurance coverage and financial means. Many people just don't understand this because "I've got mine" is a powerful sentiment.