I must admit I have found this thread to be very entertaining as pretty much every point of view I have ever had thrown at me regarding healthcare is represented here. Bravo, everyone.
Before I share my point of view with all of you, allow me to say a few words regarding some of the comments we have here.
Between 1991 and the summer of 2007, about 90% of Americans
were fairly consistent in agreeing that the U.S. health care
system should be completely rebuilt or required fundamental
changes (see
line graph). About 70% of Americans consistently
believed that the system was in a state of crisis or had major
problems...
Two things here: First, I love it when people suggest that a system a large and massive as something like healthcare should be "completely rebuilt." Systems this large cannot be torn down and rebult from scratch as many would like to do as that would take years and be to disruptive and expensive. Think of it this way, would you rather the state fill in the pot-holes on the road in front of your house or tear the entire thing up and re-pave it? For those who opt for tearing it down and repaving it, I'm certain that idea sounds wonderful until you are the one have to get up 30 minutes earlier for work for months because of the delays created by all the contruction. Revolution vs. Evolution.
Second, yes we do have problems with healthcare, but most everyone seems to be misunderstanding why. And I'm getting to that.
Part of me feels that when profits are mixed with taking care of people the outcomes are not as good for the people vs. a system that was non-profit driven.
Both profit and non-profit systems have their issues and I think that upon closer examination you'll find one is not better than the other. In a for-profit-system, companies stay solvent by taking care of those people who can pay. Those who cannot pay are turned away (or at least they try to turn them away) or the minimum amount possible is done. Right now, 50% of hospitals in the United States are not financially solvent and this is mostly because of them having to see patients that cannot pay and have no insurance.
On the other hand, non-profits that have no bottom line to answer to also have no incentive to become efficient. What you often see are administrative procedures that waste time, people who have jobs that do not contribute much to the work flow (i.e. a plethora of administrative assistants), employees that goof off and are not managed appropriately, red tape, and management bloat.
Six of one and half a dozen of the other.
How can it be in the best interests of the share holders of an insurance company to keep the high users on the books?
It's not. Insurance companies depend on a ratio - so many healthy people paying in for every one person sick. Think about it: Let's say you own an insurance company. A 25 year old male who doesn't smoke, only drinks occassionally, is not overweight, and works at a job where the company just celebrated 1 million safe man working hours approaches you wanting health insurance. What do you say?
The next day, another person walks into your office and he is HIV positive and he is asking for insurance. What do you say?
The fundamental question is: Is healthcare a right or just for the privileged ?
Like everything else, healthcare is for whoever can afford it. There are groups that doctors belong to who hold seminars every year on how to increase collections. Do doctors spend half their life in college just to work for free? Do we all think doctors are all super rich? They aren't. Doctors may make a lot of money, but they have expenses such as employees, rent on the building they are in, utilities, equipment, certifications, etc. I know doctors who make $500,000 a year but by the time you subtract their expenses, they bring home around $80,000. The engineers who make the MRI machines and other equipment used by doctors expect to get paid as well. They didn't get degrees in electronics or computer science for nothing.
If you say healthcare is for the priviledged, then you say those who have the money get it and the poor may or may not.
If you say healthcare is a right, then you will have to get government intervention to cover the cost of those who cannot afford it and the cost is spread out to the taxpayer and then you get to pray they don't vote you out of office.
Notice that either way a check is being written - it's just a matter of who is writing it.
It is simple, and summed up with a simple phrase " WHAT IS THE BUDGET". Accountability and responsibility can not be placed solely on the traditional Doctors decide and the government oversees, the public have to make choices as well, just like purchasing any commodity, how much one is willing to spend.
And the public makes those choices by either coughing up the cash or going to court. The court part helps explain the high liability insurance many docs pay.
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I can't speak for other countries since the only country I have ever lived in is the United States. What I can say about healthcare here is that it is a head-on collision with a train that cannot be avoided. In the next 3 - 5 years, 65 million people are going to retire.
All those people are going to retire, go on Medicare, stop paying taxes (for the most part), and live off their pensions/401k's. So let's assume that each of those 65,000,000 spends a mere $1000 in year in healthcare.
65,000,000 * 1000 = $65,000,000,000. Now let's assume that each of those persons stays alive 15 years after retirement:
15 * 65,000,000,000 = $975,000,000,000
Oh, wait, we forgot about Social Security. So let's pay each person $800 a month. So that's $9,600 a year.
65,000,000 * 9600 = $624,000,000,000 and let's not forget our 15 years so ANSWER * 15 years = $9,360,000,000,000.
So let's add both of those number together:
$9,360,000,000,000 + $975,000,000,000 = $10,335,000,000,000.
And that's with the low numbers for healthcare expenditures ($1000 a year) I was using.
Like insurance, even when you get the government to foot the bill we still have that ratio we have to deal with. You must have so many young working people paying taxes in for every elderly retired person drawing out. And because of the large number of baby-boomers retireing, we just don't have that ratio now.
The young people are going to write their congressmen and president citing that they don't have the money to foot this bill, they have college to pay for, etc. The retirees are going to write their congressmen and president citing they were promised retirement and have no other way to live.
I'm going to assume that other countries that have an aging population, such as Canada, the UK, and France are going to have similar problems. And since their government takes care of their ENTIRE populations, not just the retired, I hypothesize they will have similar severities if not worse.
JamesNT