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I appreciate you putting this on paper
Posted on: April 12, 2017 at 12:15:54 CT
Badird MU
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no joke. Most dont care to try to fix problems; they just complain about the ones that we have.
Ok, to dive in...
Getting insurance companies to compete across state lines (aka the old 'the market will fix itself' ideology). How much money do you think that will actually save? Id say very little, if anything.
"The American Academy of Actuaries is less optimistic: “The ability to lower premiums by allowing cross-state sales of insurance is limited,” the organization says, “because a key driver of health insurance premiums is local costs of health care.” When the idea was floated last year at an industry conference, the “audience literally laughed.”
"...it is already allowed –- and yet basically doesn’t happen. States possess the authority to sanction sales across their borders, and to define the conditions for such sales. In addition to this generic state authority, Section 1333 of Obamacare authorizes “health care choice compacts” across states. As of last month, five states had passed legislation allowing insurance plans that cross state lines: Rhode Island, Wyoming, Georgia, Kentucky and Maine. Georgia's law has been in effect since 2011, yet no insurer has yet offered an out-of-state policy there -- or in any of the other four states. If this is the key to bringing costs down, why doesn't anyone want to do it?"
https://www.bloomberg.com/view/articles/2017-03-06/selling-health-insurance-across-state-lines-won-t-save-money
Tort reform, as a measure to reduce frivolous malpractice, will reduce costs very little as well.
"A study led by Michael B. Rothberg of the Cleveland Clinic and published in the Journal of the American Medical Association aimed to measure how much defensive medicine there is, really, and how much it costs. The researchers' conclusion is that defensive medicine accounts for about 2.9% of healthcare spending. In other words, out of the estimated $2.7-trillion U.S. healthcare bill, defensive medicine accounts for $78 billion."
http://www.latimes.com/business/hiltzik/la-fi-mh-another-study-shows-why-tort-reform--20140919-column.html
Catastrophe insurance: This I can get behind. But the mounting costs of HC arent in catastrophic occurrences. And not only that, but how does this do any of what Donald has promised? The drivers to HC cost are ER visits, hospital facilities, drugs, technology, and procedures. The system rewards hospitals for doing more, not working efficiently.
Beyond that, I dont think this any of this SOLVES any of our problems. And dont forget that in the old system, you still paid for these people without insurance.
Edited by Badird at 12:23:08 on 04/12/17
Ok, to dive in...
Getting insurance companies to compete across state lines (aka the old 'the market will fix itself' ideology). How much money do you think that will actually save? Id say very little, if anything.
"The American Academy of Actuaries is less optimistic: “The ability to lower premiums by allowing cross-state sales of insurance is limited,” the organization says, “because a key driver of health insurance premiums is local costs of health care.” When the idea was floated last year at an industry conference, the “audience literally laughed.”
"...it is already allowed –- and yet basically doesn’t happen. States possess the authority to sanction sales across their borders, and to define the conditions for such sales. In addition to this generic state authority, Section 1333 of Obamacare authorizes “health care choice compacts” across states. As of last month, five states had passed legislation allowing insurance plans that cross state lines: Rhode Island, Wyoming, Georgia, Kentucky and Maine. Georgia's law has been in effect since 2011, yet no insurer has yet offered an out-of-state policy there -- or in any of the other four states. If this is the key to bringing costs down, why doesn't anyone want to do it?"
https://www.bloomberg.com/view/articles/2017-03-06/selling-health-insurance-across-state-lines-won-t-save-money
Tort reform, as a measure to reduce frivolous malpractice, will reduce costs very little as well.
"A study led by Michael B. Rothberg of the Cleveland Clinic and published in the Journal of the American Medical Association aimed to measure how much defensive medicine there is, really, and how much it costs. The researchers' conclusion is that defensive medicine accounts for about 2.9% of healthcare spending. In other words, out of the estimated $2.7-trillion U.S. healthcare bill, defensive medicine accounts for $78 billion."
http://www.latimes.com/business/hiltzik/la-fi-mh-another-study-shows-why-tort-reform--20140919-column.html
Catastrophe insurance: This I can get behind. But the mounting costs of HC arent in catastrophic occurrences. And not only that, but how does this do any of what Donald has promised? The drivers to HC cost are ER visits, hospital facilities, drugs, technology, and procedures. The system rewards hospitals for doing more, not working efficiently.
Beyond that, I dont think this any of this SOLVES any of our problems. And dont forget that in the old system, you still paid for these people without insurance.
Edited by Badird at 12:23:08 on 04/12/17
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I appreciate you putting this on paper - Badird MU - 4/12 12:15:54