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45,000 American deaths associated with lack of insurance
Original post made
by Stay Cool, Another Pleasanton neighborhood,
on Sep 18, 2009
This article illustrates why health care/health insurance reform is so important. If you decide to post a response, please let's keep it a respectful debate on both sides. Thanks!
Posted by poster boy
a resident of Another Pleasanton neighborhood
on Sep 18, 2009 at 12:09 pm
Parent of Two,
Your comments are helpful, but no one's suggesting that. Not once has any of the reform plans called for a comprehensive takeover of healthcare by the federal government, closing down all private insurance companies, and having the whole system run through a single federal bureaucracy, so you're worried about something that's not going to happen. As for a lot of your assertions, they're debatable as well...for instance, it's been covered countless times, but poll the people of england and canada and they both love their system and shake their heads in disbelief at ours. As for our government not being able to run a lemonade stand, i'll remember that the next time I'm driving my car on the federal interstate system, drinking my clean tap water, eating food that's safe for consumption, and enjoying the freedoms provided by my government-run military.
Pro-Choice (for HCI), as to your question of how this woman would be helped. There are several ways reform will help her:
1) Under all the plans currently in formulation in the senate and house, Medicaid will be expanded to provide coverage to people just like this woman who are not currently eligible for medicaid. She will now have that option.
2) if she still doesn't qualify for medicaid, she will be in the income range to make herself eligible for a subsidy from the government to purchase her own insurance at a discounted rate. Since she will be one of 40 million new customers eligible to buy insurance, the private insurers out there will be competing on a system of exchanges that will be setup by the government to buy the best-priced and best-quality insurance available to her.
3) If she finds that those private plans are still unafordable to her, a public option will be available to compete against private plans, and since the government-run option (that's competing against private insurers, mind you, for that same subsidized payment) will have lower operating costs and won't be worrying about maintaining a 22% claim-rejection rate to make wall street happy, they will most decidedly offer her a plan she can afford.
4) If this woman is now insured and can seek treatment for her back problem, or any other ailment she might be dealing with, she will get that care earlier before her ailments rise to the level where she can no longer function or requires surgery. If you take a minor back problem that can be treated cheaply and prevent it from aggravating into a full-blown surgery, you'll save money all around. Multiply this by 40 million and you can see how short-term costs in treating people early will save billions in avoiding surgeries and more expensive treatments that became necessary because these people avoided treatments they couldn't afford.
5) This will be paid for in several different ways. Different proposals have different plans, but all of them basically target any tax increases on the very wealthy, the top 1%, either by a surtax, or a limit in how much they can deduct from their taxes, or by a tax on "luxury private insurance plans" that only the wealthy can afford. Considering these folks were the overwhelming beneficiaries of the bush tax cuts in 01 and 03, i think they can afford to give a little back to make sure this countries healthcare system remains viable. But in the end, as long as you're not in this top 1% of income earners, you shouldn't have to worry about taxes.
6) if we do nothing, the costs will be much more than the cost of reform. If we do nothing, in 10 years, the average annual insurance premium will be @28k for a family of 4. that's more than double what it is now. This will explode our deficit, many companies won't be able to insure their employees and will drop their coverage, thus throwing more people onto the rolls of the uninsured and the whole system will come crashing down. This whole reform plan is about holding down costs by bringing more people into the system and introducing a system of competition to private insurers (who in most states hold virtual monopolies). A plan that costs 900 billion might seem like a lot, but that's over 10 years, which means 90 billion per year, and our total federal budgets is well over 2 or 3 trillion dollars, which means 90 billion per year is barely 5% of that total. It's important to keep that in mind. Anyway, i hope this answered some of your questions.