It’s easy enough to repeal Obamacare.
And then what?
Millions of people lose their health insurance, and for everyone else premiums get higher and coverage gets worse.
The reason Obamacare passed in the first place is that the health care system in the United States is a fucking mess. If the Republicans had embraced Obamacare and wanted it to succeed we probably could have avoided some of these problems, but for the past 8 years they’ve instead spent a lot of energy making sure Obamacare fails, because if it succeeded then Obama would get the credit.
If the Republican vision for health care is “we were doing fine until Obama got elected and fucked everything up”, then that’s a vision for disaster.
But that is their vision. How do they plan to get cheaper premiums? By letting insurance companies raise deductibles. What’s the point of cheaper premiums if you have to pay more in total?
Or are we supposed to have a free market in health care? I typed up a huge critique of the idea, but then deleted it because this isn’t about health care in general, it’s about why the Republicans can’t repeal Obamacare in five minutes.
The answer is that Republicans aren’t going to propose some sort of free market capitalist health care system where everyone pays the doctor out of pocket for all treatment. Whether that would be a better system or not (it wouldn’t be) is irrelevant, because Republicans aren’t proposing it, because they’d be strung up from lampposts if they did.
The real answer is that it’s easy to say “Obamacare is a disaster, and when we get a chance we’re going to repeal it and replace it with a real fix.” That lets everyone who is unhappy with any part of Obamacare imagine that the Republicans are going to fix the parts they don’t like and keep the parts they do like. But the problem has always been that while lots of people don’t like certain parts of Obamacare, they don’t dislike the same parts, and they’re massively in favor of other parts.
So take pre-existing conditions. Massively popular to force insurers to cover pre-existing conditions. But the problem there is that if you don’t buy health insurance, and then get cancer and decide to buy health insurance, now they have to cover your hugely expensive cancer treatment. So doesn’t it make sense to not buy insurance until you get sick, and then buy? And so maybe we don’t allow that? Except it’s unpopular to “force” people to buy health insurance. Maybe they’re not going to get sick?
It’s a truism that the median person will have paid more into insurance premiums over their life than they’ll get in payouts, otherwise the system couldn’t work. Healthy people who don’t get sick have to get less than the people who do get sick, because if the sick people have to pay more then it’s not health insurance. Just like in property insurance, the people whose houses don’t burn down pay in but get nothing, while the lucky duckies who lose their houses get all the benefit. It cannot work any other way.
So the point is, the current Republican plan is literally: We need to cut taxes for the rich, because obviously, and so we’re going to pay less for health insurance for everyone else.
And that would be fine if they had a plan that solved the problems of out of control health costs and gave better outcomes for less money.
Except they have no such plan. Their plan is to keep things the way they are, just spend less. Which means worse health care for millions and millions of registered voters. Which is why they don’t want to repeal Obamacare. But they promised to repeal the satanic Obamacare. But they’re scared that people who lose their health insurance, or who have much worse health insurance, will be upset that they lost their health care so the Koch brothers can have a lower taxes. So they can’t repeal Obamacare. But they must repeal Obamacare.
It’s a dilemma. The only way out would be a plan that would, as I mentioned, figure out a way to deliver better quality coverage at lower costs.
If we look around the world, we find that lots of other places have managed to have better coverage for most people with lower costs. Just like it’s expensive to try to buy insurance as one guy, it’s a lot cheaper when a large organization that is presumably a actuarial cross section of health buys insurance for everyone. And when you scale that up to a whole country it’s a lot cheaper. And then you can use your monopsony power to push down costs. It’s not perfect, but it turns out to be much cheaper than the system we have today.
So if Republicans really want that tax cut for the rich, they should be embracing some sort of single payer system. Think of the savings for all those corporations who no longer have to pay for incredibly expensive insurance for their employees. Think of the free market benefits when entrepreneurs and small businesses and sole proprietorship are freed from this massive burden that causes so much economic friction, when you can finally open that cupcake stand without worrying about your health insurance.