What is with all the focus on tort reform? This is complete nonsense. Tort reform will do nothing to reduce long-term cost growth and next-to-nothing to reduce current costs.
Malpractice insurance premiums amount to less than 1% of all medical spending. Thus, there is no way that tort reform could reduce current medical spending by more than 1%. Likewise, there is no way that the costs associated with malpractice insurance are responsible for the consistently large annual increases in health insurance premiums. There's a full order of magnitude separating the two! The tort reform battle cry is a masterpiece of propaganda. It serves only to satisfy the greed of already wealthy doctors by appealing to common American sensibilities that abhor the "greed" of malpractice victims!
The principles of the health bill in congress are fairly straightforward, but for some reason nobody here seems to get them. It's a three-legged stool, and you just can't remove one leg without the plan failing:
1) Outlaw rescission practices and coverage denial for pre-existing conditions.
2) Decrease risk by increasing the risk pool through an insurance mandate, else part 1) will lead to people gaming the system by waiting until they get sick to sign up.
3) Subsidize insurance for the poorest Americans so that they can pay for insurance, otherwise part 2) falls apart.
If you have insurance, the only thing that changes is the cost to you goes down, and so you may elect to get even better coverage than you have now! If you don't have insurance, chances are that the reason you don't is because it isn't affordable, not because you don't want it. Well, this bill fixes that.
From above:
- Streamline the regulatory environments so that insurance can be bought across state lines.
If you believe that allowing insurance to be purchased across state lines will reduce costs instead of just allowing the worst insurance company behaviors to become more prevalent, well, I have some beach-front property in a state with lax consumer protection laws to sell you.