If we’re going to debate health care reform, Bricker, you have to acknowlege that our current non-system is an intolerable mess.
My wife had her gall bladder removed a few months ago. Luckily we had insurance through my job. That pays for a portion of the surgery.
The procedure itself went smoothly. From diagnosis of the problem by our family doctor, to ultrasounds confirming the diagnosis, to scheduling the surgery, to performing the surgery a few days later.
Except now the festering hellscape begins. We get dozens of bills from all kinds of providers. Which ones are paid by insurance? How do we know that the claimed service was actually even provided, given that my wife was unconscious in the operating room at the time the alleged service was provided. Bills show up months later. Bills that were paid are adjusted because new things are found. The insurance will pay for certain things but not others. Which are those? Nobody knows.
And that’s the cancer eating away at our health care system. Nobody knows what anything will cost, least of all the doctors and patients.
It would be one thing if a guy without insurance could get a quote for a gall bladder removal, find out that it costs $10,000, and decided to pay or not. But that’s utterly impossible. It IS possible for certain types of ELECTIVE surgery. If you want a breast augmentation, you can get a firm quote on the cost. But for regular treatment? If your kid has a sore throat and you want to take him to the doctor to see if it’s serious? Try calling your doctor’s office and see if they’ll give you a quote. It can’t happen, and it won’t happen. And of course, if you want to just pay cash, you’ll pay two or three times what someone who has insurance would pay, because the insurance company negotiates with the provider for the final bill.
You have health insurance, right? The problem of third party payment for health care doesn’t change whether your insurance provider is a for-profit company, a not for profit co-op, or some sort of government program. It’s still third party payment.
Which means that the price discipline from fee-for-service health care is impossible. Competition between insurance providers is essentially non-existant, and individual patients can’t choose that anyway, because their employer makes that choice. So we’re locked in to a third party payment system.
So as long as we’re locked into a third party payment system, what’s so horrible about a public system? The private insurance system is a fucking scam. It’s uniformly awful, a toxic bureacratic swamp that is impossible for anyone without special training to navigate.
If there were a public system of health insurance, people would line up to join. You know it, I know it, the American people know it. So why are you dead set against any sort of public health insurance? Because it conflicts with free-market principles? Dude, we wouldn’t be having this conversation if we had a free market system that worked. We have a free market system that’s utterly fucked up. That’s the status quo that the Republicans are fighting tooth and nail to preserve.
And suppose the Republicans win this one. The health care bill is voted down. What next? A reform bill that introduces free market discipline to the insurance industry? That’s never going to happen. The answer is, nothing. There is no free-market plan.
The spectre of government-run health care is certainly disturbing. I wouldn’t be in favor of it, except for the fact that our current system costs Americans twice as much as in other first world countries. And what do we get out of it? Here’s the chart.
We could spend HALF what we do currently, and provide universal coverage for everyone (just like in every other first world country), and get better outcomes. We already pay as much for Government health care here in the US as they do in other countries, except we also have to pay as much again on top of that for our private insurance. Meaning, if we had UHC like they have in Europe, we’d pay the exact same amount in taxes that we do now for Medicare, Medicaid, NIH, and on and on, except we’d cover everyone and wouldn’t have to pay for private insurance.
It would be one thing if paying twice as much as everyone else resulted in better health outcomes. Then it would be a matter of allocating priorities–hey, we spend a lot on health care but we get good value for our money. But we don’t. We get worse outcomes, despite paying outrageous amounts.
I agree that any goverment program should be required to justify itself. It it can’t pass the “Why the fuck are we paying for this?” test, then it should be scrapped. But health care coverage turns out to be one of those things that the evidence clearly shows can be provided more cheaply, more efficiently, more fairly, and with better results by the public sector. That’s simply the only conclusion that can be drawn from looking at the evidence.