I deal with health insurance campanies professionally
I want to know where those %'s come from. I know you to be an honest man, but your sourse is wrong. I hope that you don't trust the emails that Sid relies on for his info on issues outside of his expertise.
The current comsumer reports magazine has a special on this issue. I pay almost $10,000 us dolars per year for bad insurance which generally pays ZERO, but I must have it is case of catestrophic illness. The insurance industry lobbyists.
Have purchased the votes of most of the members of the congress--both republicans and democratics. The large drug companies have the same deal.
IN terms of poling data--discussed on cnbc special panel discussions on the health care crisis. Even the health insurance excutives did not challenge that the usa is ranked #37 is the world for quality of health care, yet it is the most expensive. The problem is very complex and there are no easy answers. France is ranked #!
I for one am ready for a public option. Walley's be-school analysis of the issues clearly convinced me that health care becomes a set of ethical dilemas about allocating resourse and the wealthy can buy whatever additional insurance they want, I don't want mba cash flow analysis deciding who lives and who dies. It is about time that the usa joins most of modern first world societies and has some sort of universal coverage.
Jackon, who I like and personally respect, has a very different view. I truly hope that those with his view do not prevail. The health care industry is spending 100's of millions of dollars on propaganda on Televisdon nowto scare people into not supporting reform. There is all sorts of misinformation on the internet and on television.
I actally read the famous page 425[sid discussed it below]--it says that counseling shall be, made avaiable to all senior citizens about end of life issues. Most health insurance in the usa does not cover or has very limited coverage for psychological counseling nor psychotherapy. My fancy policy has zero coverage for couseling about anything. We are talking about issues like--accetance that you will die from a terminal illness--I have zero coverage for this. Counseling about ordering that you are not to be kept artifically allive wheh your brain has stopped working and there is zero chance of you coming out of this state--I have zero coverage for this type of help.
80% 0f the health care dollars are spent on 20% of the patient population.
I cannot switch to another policy because age and pre-existing conditions even though I am healthy enough to fuck 10 times per week if pushed. I have Zero choice. If I ever lose my current shitty coverage, the only insurance that I could possibly buy will cost double and provide $250,000 in life time coverage---in the usa a major heart attack w / by-pass surgery, cancer or other catestrophic illness would wipe my life time coverage. My current policy is capped at us$5,000,000.
I am very upper middle class in terms of my income and assets and I can't locate decent coverage at any price.
Healthcare - Problems with the current proposal & solutions
Here are the problems as I see them with the current House of Representatives approach to healthcare insurance.
1. Neither the House nor the Senate cares to tackle the issue of medical tort reform, which plays a material roll in driving up healthcare insurance premiums. For any surgeon, his or her largest annual variable cost is their liability insurance premium. The reason neither chamber will pursue tort reform is because both Houses and Parties are so beholden to the legal fraternity.
2. The House's level premium approach for all person's regardless of age, health, or life style means that those of us who choose to pursue a healthy life style for whatever reasons, will be subsidizing the drug user, the alcoholic, and the obese.
3. No one reading this believes for one minute that a Federal Healthcare insurance program will be revenue neutral. The Federal Government has NEVER run a large program in a revenue neutral manner. The average tax payer, as in you and me, will end up paying more taxes to support a group of people that presently are not insured and not willing to work in many cases. I have zero desire to help these people out. What is in the present proposed legislation that will help a middle class person out who is currently insured [the vast majority of us], playing by the rules and does not want to see his or her taxes increase? Nothing.
4. I would encourage the Federal Government to start a program through a payroll deduction scheme for catastrophic care of all citizens to include those born with severe problems.
5. Make individual healthcare insurance premiums tax deductible just the way they are for companies.
6. Repeal all State laws that prevent medical insurance companies from competing across State lines.
7. Allow States to form drug purchasing cooperatives for their residents.
Jackson did you read the fine print on your sourse
The link you provides leads to a National Institue of Heath survey--most of which are done as telephone intervews. People without listed telephone numbers do not participate. The definition of "health insurance" includes all forms of accident insurance.
This would mean that a under this defination: all motor vehicles that are legally registerred have an form of health coverage attached. For purposes of this survey, you have a form of health insurance if you live in a household that has a legally registerred motor vehicle.
Most states to renew your plate you have to demonstrate Personal Injury Protection--many times the min is $10,000. With up to a $5,000 deductible.
This covers injuries only in motor vehicle accidents. This is included in the definition of health insurance for political reasons--not logical reasons so intelligent people like yourself might be mislead.
If this is what you mean by health insurance that people are statisfied with, we haved walked through the looking glass ==like Alice in Woderland. The Bushies commissioned many misleading studies like this one to prove how wonderful their "ownership society" was doing. You remember the "ownership society" wherein you could own a home with no income, no job and bad credit. What a wonderful idea! Write a mortgage for anyone breathing and we'll worry about it later.
Looking at the survey results further: chart 1.2 shows that, including "accident insurance" over 30% of the population aged 18-34 lacked any form of "health insurance". Chart 1.2 shows that over 30% of all hispanics lack any form of health insurance including any form of accident insurance.
I'M SURE THAT NO ONE IN THIS DISCUSSION CONSIDERS AUTOMOBILE PIP AS HEALTH INSURANCE IN THE CURRENT DEBATE.
You are calling car accident insurance health insurance. When I buy an airplane ticket I have included for free on my credit card "accident insurance". I would not count on accident insurance if you fall down the steps or have cancer.
Jackson the USA Today is a 2006 telephone survey of 1201 adults
In 2006 my current policy costs about us$600 per month. Less coverage with a higher deductible today is just over us$900 per month.
The survey [w / o comments on how it was designed ie statistcally random sample or readers of USA Today] says that 87% are satisfied with their healthcare coverage. I was satisfied at some point in time. Every year there is less coverage at a higher price and less comsumer friendly claims practices.
The middle article reports in it's summarry that 33% are uninsured
Under age 65 in 2007 running up from a stable 21% from 1968 to 1980 when the increase in uninsureds began rising. This is the abstract of a review of the National Heath Insurance Surveys from 1967 to 2007. These are random statistically sampled surveys which would not included households without telephones ie the poor or those who cannot afford a telephone.
When I shopped for personal health coverage a few month ago
I was turned down by 6 A rated or better carriers--they would not write me at any cost and accepted by one unrated company out of Bermuda owned by a Barbados company. The only thing offerred was $250,000. Liftime cap w / a 5,000 deductible hmo which only worked with substandard hospitals w / hi mortality rates---ie they kill an un usually large % of patients.
So I am staying with my bullshit group of one because I have zero choice. The private sector has failed me and the invisible hand of the market place has told me: fuck-you, you are not profitable--drop dead both figuratively and literally. My 6 other employees work for a different corp and get $250,000 liftime caps and services at hospuials that kills people--delightful.
The Republican talking points are great for the health care industry and will kill people like me and my employees. WE are not statistically average but this is our story.
"accident insurance" is the term in the definition
Accident insurance includes what you credit card provides when you buy a ticket with the credit card and motor vehicle insurance is for accidents and almost all staes in the usa require PIP which is health coverage for injuries resulting from any accident involving your motor vehicle and possibly any accident invioling you as a passenger in another person's vehicle or a pedestrian hit by a motor vehcle. This is the definition in the small print.
Your position may fit into your world view in a nice package--the market is a gift from god which puts everything right. Talk to people who need their health insurance or have to pay for it in the usa and you will hear a different story.
I'm shure that you will call me a socialist--I am in a sense. Just like richard nixon was a socialist in a sense when he fostered medicare and regan was for not fighting against medicare. And you will be when you accept medicare benefits, if you accept them. If you think social security and medicare are morally wrong--refuse the benfits.
We live in a social democracy as does western europe and most of the first world. The usa is the odd man out, not everybody else. There are some socialist elements in our society and almost all first world societies.
Obama Town Halls and The Public Option
They're going hard. Looks like it's going to pass. All you buckslaps in Argentina forced to return to the USA because it's all good.