17 Feb '10 23:31>
Originally posted by zeeblebotDid you really just advocate for fully government funded healthcare?
chunk it all, fund it like highways, maximize automation.
Originally posted by no1marauderthe insurance companies wouldn't like the plan - at least my version of it
I bet you he won't.
I would think there are really significant barriers to entry for the insurance market. I have my doubts that any government proposal could increase private market competitiveness without increasing the risk to consumers of fraud or inadequately capitalized companies.
I also think that since the insurance ...[text shortened]... he costs to the public option for covering consumers that they won't for profit based reasons.
Originally posted by MelanerpesYour plan is unrealistic. Did you know that a one day stay in a hospital in NYS costs an average of $3000? Virtually any medical problem is now "catastrophic" in costs to the average American worker who's incomes has been stagnant for three decades. If they had money to save, they'd be saving it.
the insurance companies wouldn't like the plan - at least my version of it
Part of my plan includes doing everything to encourage people to set up savings accounts they can use to pay out of pocket for their routine healthcare costs. They would then only be interested in buying coverage for the truly catastrophic situations. Having insurance companies ...[text shortened]... mpossible. In that case, greater regulation or government intervention would then be necessary.
Originally posted by no1marauderBut if there were a public option, the private insurers would have to be efficient so as to compete with the federally run insurance.
A plan which gives a bunch of extra business to the insurance industry while stripping away all regulations on it is just more corporate welfare.
You would think the evidence of the last decade as regards the radical de-regulation of the financial industry and the consequences thereof would make the free market cheering section think twice, but apparently some lessons are just too hard to accept.
Originally posted by sh76I never said I did, so you're making a Strawman argument.
But if there were a public option, the private insurers would have to be efficient so as to compete with the federally run insurance.
If you're correct that a single payer system is best, then eventually the private insurers will fold for inability to compete with the federal plan and you'll have your single payer system.
So, why do you have a problem with private insurers operating alongside a public option?
Originally posted by sh76A "single payer system" and a "public option" are two very different things.
You said you support a single payer system (page 4 of the thread; 3rd post from the bottom).
How is that not saying you don't want a public option along side private insurers?
Originally posted by no1marauderThe point I'm making is this:
Your plan is unrealistic. Did you know that a one day stay in a hospital in NYS costs an average of $3000? Virtually any medical problem is now "catastrophic" in costs to the average American worker who's incomes has been stagnant for three decades. If they had money to save, they'd be saving it.
Originally posted by no1marauderSomeone can correct me if I'm wrong, but I'm pretty sure that Canada, for example, does not allow any private insurance or private pay for health providers.
I'm too lazy to check now whether countries with single payer allow people to buy private insurance or not. I don't care if that option is provided or not in the distant future when single payer is finally adopted in the US.
Originally posted by sh76If a country bans private forms of payment, how do they prevent the rise of underground providers who would accept such payment?
Someone can correct me if I'm wrong, but I'm pretty sure that Canada, for example, does not allow any private insurance or private pay for health providers.
Britain does allow private pay; but the NHS is actually government run healthcare, which is different than a public option or single payer system in any case.
To me "single payer system" connotes prohibition on private insurance and, seemingly, even of private out of pocket pay to providers.
Originally posted by MelanerpesOkay, now that you went and made me research it (😠), my statement was a bit more broad than Canada's actual rule.
If a country bans private forms of payment, how do they prevent the rise of underground providers who would accept such payment?
You can think of street-corner drug dealers as a kind of "illegal healthcare provider". Consider how difficult it has been to stop them from offering something that almost everyone agrees is harmful. Now consider the prospect is, maybe we could learn from them in our efforts to solve our current drug dealer problems.
Originally posted by sh76But by removing the parallel private medical or hospital sector and the competition it would bring, wouldn't this REDUCE pressure on the provinces?
Okay, now that you went and made me research it (😠), my statement was a bit more broad than Canada's actual rule.
As explained in a 2003 report, the Canadian health care system is "unique in the world in that it bans coverage of . . . [physician and hospital] core services by private insurance companies, allowing supplemental insurance only for perquisi ...[text shortened]... ions of middle-class Canadians."
http://content.nejm.org/cgi/content/full/354/16/1661
Originally posted by MelanerpesI have a rather simple question:
The point I'm making is this:
What if we took the money that employers currently spend to provide health insurance to workers and instead gave most of that money directly to the workers to invest in their own savings account for routine healthcare expenses. (The remaining money would pay for catastophic situations.)
A young, healthy person doesn't g ...[text shortened]... eir business away - and this sort of thing would reduce everyone's healthcare costs.