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Kennedy became extremely popular because he was assassinated. He was very polarizing but someone needed to be, to get the Civil Rights issues out there, IMHO. That said, I have a really hard time understanding why people don't want everybody to have health insurance and access to good health care. I just don't get why people think that either some people should just be left to die or that hospitals should be expected to provide services for free. It doesn't make sense to me. |
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And I think the problems of the "how" are exacerbated by our decision years ago to rely primarily on an employee benefit-based system. Wish we could have a do-over on that. |
Yes, this is the problem with a sorta half-way system. We should really just go to single-payer and be done with it.
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I think a single-payer system would be a disaster, which is why I like the act as it has been passed. I believe firmly that it will lower premiums significantly because it focuses on competition and quality both. I can say that the health insurance plan that is my current employer is scrambling to get the per member per month administrative costs down so that they can offer competitive premiums. Additionally, as the only non-profit health care plan in Michigan right now, they have been the insurer of last resort who could not turn away people because of previous history. When that entire burden rests on one health plan, that plan has to fight to survive because they get the entire high risk pool dumped on them, which increases premiums for all of their members. Ditto for hospitals in the inner city who bear most of the burden of providing free care for the uninsured.
My ideal system would take the plans out of the employers' hands completely, save for vouchers they could provide to their employees to select any plan they choose. That would enable them to lure high quality employees with "benefits", but the "benefits" wouldn't dictate which insurance plan the employee could choose. This would be real choice, real capitalism, because you could pick based on cost, quality, customer service, providers covered, etc. Health care insurance companies are scrambling to improve all of things right now, in advance of the health exchanges going up in October, 2013. Let me pick. Give us freedom. Maintain competition among them to keep prices down. |
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"It is amazing that people who think we cannot afford to pay for doctors, hospitals, and medication somehow think that we can afford to pay for doctors, hospitals, medication and a government bureaucracy to administer it." - Thomas Sowell |
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/Tounge + cheek |
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;) |
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/Snarf |
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The short answer is that the granddaddy of health insurance companies -- Blue Cross -- got started marketing itself to employers/employee groups to build pools of premium payers, most of whom wouldn't need to use the insurance much. (Though I don't think they mention it, Blue Shield had a similar start. Blue Cross was for hospital care and Blue Shield for physician care.) Then, starting with WWII and its tighter labor pool and limited wages, employers began to offer health insurance more widely (along with other fringe benefits) to lure workers. Then, the government said that employers didn't have to pay taxes on health insurance premiums, giving employers a major incentive to offer health insurance as an employee benefit. And there we were. Quote:
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And still manages to have a very decent medical care.
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