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- A tumblr site dedicated to the people and places that make up Oregon and Southwest Washington.
The real problem is that we have two Americas. Healthy America which feels it is getting ripped off for health insurance. And Sick America that doesn't want to die for want of treatment -- so the people in Sick America cost a lot of money. The populations are dynamic - which is the wild card in this loosely shuffled deck. The current system is broken, with too many people falling through the cracks when they go from healthy to sick, healthy people overusing healthcare because they feel they "pay for it anyhow," and states openly rationing subsidized healthcare at random (by lottery, in fact!).
I suggest that we adopt mandatory health coverage, but rather than the current proposals which mandate an expensive high level of minimum coverage, encourage HSAs for healthy people so more of the health care pie is left for the truly sick. Health care for the sick Americans could be picked up by the taxpayers once a person's HSA balance has been depleted. They could effectively carry a negative balance in their HSA, and this debt would be forgiven at death. Tort reform and open rationing of care for non-life threatening ailments (President Obama's example of hip replacement for his grandmother during her final weeks springs to mind) could help to lower healthcare costs as well.
The insurance companies aren't the problem. Unless we make a real effort to bend the cost curve, any reform will likely spiral out of control. The cost would strangle our economy thereby limiting our ability to provide qulaity health care for all Americans.
posted 3 years, 2 months ago
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