The government *is the problem* because they have stupid rules like: [...]
You understand those stupid rules only exist because of corporate lobbying and corruption, right?
- You can't buy insurance across state lines.
Don't you already have laws prohibiting restraint of interstate trade? or does this somehow qualify as "regulating" under your Commerce Clause?
I know the CC was a huge manufactroversy around 2011 that went all the way to the Supreme Court because of the "individual mandate", but has anyone ever tried suing either their State govt or the Federal govt for preventing them from buying insurance from another State?
- You can't form insurance groups except through your employer.
Why do you even need "insurance groups"? in fact, what even is an "insurance group"? Googling it makes it sound like it's just a bullshit obstruction mechanism to force people to get their health insurance from their employer and prevent people from just getting insurance as a private individual or family. Tying health insurance to employers is evil.
What's wrong with just paying your premium (or, better yet, having it come out of your taxes like in any sane country) and then having access to whatever healthcare you need? Get sick and just go to the doctor or hospital as needed without worrying in the slightest about what it costs because it's 100% covered.
Here in Australia, the government sends everyone a Medicare card (Medicare is our public health system, not to be confused with your Medicare). Most people carry the card in their wallet like you would a credit card. If you have children under 18, they're listed on it too. Young adults get their own card when they turn 18. Even foreign workers with a work visa get sent one when they start work and start paying income tax.
And if you're a tourist visiting from about a dozen countries that Australia has reciprocal health care agreements with (including the UK and most of Europe and a bunch of other places), you get access to our public health system, just as we get access to their public system (if I was in the UK or Belgium or the Netherlands or any of those countries and got sick or injured I could go to hospital and pay little or nothing, depending on the country. I've visited the US before but the main reason I don't want to travel there again is fear of medical debt).
When you need medical care, you just go to a GP or to the Emergency dept at a hospital. That's it. That's all you need to do. Turn up and show your Medicare card. If you're a repeat patient, they'll already have it in their files. And if you don't happen to have the card with you when you arrive for some reason, there's no need to worry - the paperwork bullshit will happen AFTER you get treated. The priority is on treatment, not payment.
You don't have to worry about what it costs or whether it's "in network" or not (that abomination/absurdity doesn't even exist here) or whether the condition you have is covered or not (no surprises, it IS covered). It's all paid for by the medicare levy part of your taxes - and if you don't earn enough to pay any tax, you're still covered.
THIS is what "universal public health care" means. You can go your whole life without ever needing to care about how much treatment costs. Because it's paid for, by your taxes (even if the net amount of tax you've paid in your life is zero).
BTW, on a personal note: Medicare is why I'm alive right now and not dead for over 20 years. I've been in and out of hospital dozens of times, with 15 major surgeries (i.e. requiring general anesthesia) and numerous other hospital stays. I've paid exactly $0.00 out of pocket for all of that.
I did pay income tax and the medicare levy (see below) for over 30 years while I was still capable of working (and most of that on a well above average income due to working in IT) but it wasn't even noticeable - even at my highest income, it was only about $35 per week. Never once did I ever think "I'm paying too much for Medicare" - mostly I never even thought about it was because it was too trivial an amount to care about.
(I did, however, resent being forced to pay for private health insurance from 1999 onwards by Johnny "Fucking Scumbag" Howard...that rapidly increased from around $600 pa in 1999 to over $2500 pa in 2020 when I opted out due to not having a taxable income. It's probably around $3000 now. and those prices are after the 30% subsidy.)
Australia's Medicare isn't perfect - far from it - but Jesus Fucking Christ! Even after being undermined and whittled away for decades by the so-called "conservative" (actually radical right-wing extremist) side of politics, it's so much better than what you Americans have to suffer. What you have is an abomination, an actual crime against humanity (and I mean that in the most literal sense, without any exaggeration).
And to pre-emptively rebut the inevitable Pavlovian "but that's socialism!!!" programmed reflex - Australia is a Liberal (i.e. Capitalist) Democracy. Not even remotely close to Socialist. Just like the rest of the "Western" world, all of our major political parties are, unfortunately, very firmly neo-Liberal Capitalists in the Reagan/Thatcher mold. The major difference between the US and AU on this issue is that almost all voters here would absolutely slaughter (in the ballot box, not physically) any party that tried to take away our Medicare. And the parties know this - elections have been won and lost over Medicare, we will not tolerate the destruction of an essential service like this.
- Medicare isn't allowed to negotiate drug prices, by law they must pay whatever the drug manufacturer says the price is, except for 10 specific drugs.
yeah, that's a result of lobbying and corruption. Surprisingly, pharmaceutical companies don't want your Medicare to be able to negotiate drug prices. And your government obeys.
You Americans need to learn to start blaming those who PAY the bribes as well as those who accept them. And fix your campaign finance laws too.
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BTW, if you're wondering what this actually costs in terms of the tax you pay, it's 2%(*) of your taxable income ("taxable" income is an important distinction - some kinds of income, e.g. carer allowance or child-care subsidy or child support payments. also various scholarships and grants and disaster relief payments and insurance payouts. These are all exempt from both income tax and the medicare levy).
An example on the ATO's web site is of a single guy earning $76,000. His Medicare levy is a total of $1500 for the entire year. That comes out of his pay along with his PAYE income tax, so about $28 per week, or $4 per day. It would be less if he had children or other dependants.
That's way less than what private insurance costs even here in AU, let alone the extortionate monthly premiums you pay in the US.
(*) unless you're eligible for a reduction due to low income, between $26000 and $32,500 - or $41K-$51K if you're a Senior (retiree) or other pensioner, or an exemption due to, e.g. earning less than $26000 ($41K for Seniors/pensioners) or being on a blind pension or a veteran or serving in the Defence Force. Also, some very high income earners pay an additional medicare levy surcharge up to 1.5% (but many of them are tax-dodging scum who manage to avoid it through creative accounting chicanery).
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Anyway throwing the baby out with the bathwater is not the solution. The solution is to get rid of those 3 stupid rules, and all the other stupid rules.
Or, better yet, replace it entirely with something modeled on the best of what other rich, western countries do with public health. Show the rest of the world that you CAN do better than us if you try.
When it comes to essential services like health, government is the only good option. Profit, and all the perverse incentives that go along with it (plus the fact that profit is an inherent inefficiency), should not be the driving force behind the provision of health-care. Profit motive = death panels.
The government *is* the problem, not the solution to the problem.
Government is absolutely NOT the problem, that's just what corporate lobbyists and propagandists want you to think so you don't get any uppity communist ideas like taking back control of your government.
Lobbying and corruption are the problem. Corporate greed is the problem. Corporations are the problem.