HAPPY INDEPENDENCE DAY....
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Husker wrote:I know I stated I would stay out of this, but I just could not help myself.rtalbigr wrote:Personally, I just don't see the Affordable Care Act working. I think the entire insurance industry needs to be restructured. Right now we have 50 different insurance industries, one for each state; just changing that could reduce costs considerably. Facility centralization would also reduce costs. I know an accountant who has been in the medical industry for 35 years. He says more money is WASTED because every hospital has to have the newest and best instead of simply sharing.
The quote I am using, is not so much re-directed back at rtalbigr, it just happens to have 2 parts that I wanted to talk about.
First off, one big problem we have is there is NO SUCH THING as health insurance in this country. However most ppl 'believe' so, and thus are fooled and want to treat it as such. If there were health insurance, then you would pay 500 to 800 a year on insurance. It would never cover things like dr office visits, routine care, medication, etc. Does anyone go to their auto insurance company when they need to fill up the tank with gas? when they need to change oil? When they need new tires/wipers? Nope.
What we have in this country is PRE PAID medical. We really NEED to stop calling it insurance, IT IS NOT. However, being that it is pre-paid medical, we do not act appropriately (as a group of people). As a group, we demand things like every trivial expense paid for. We do not shop around ourselves, or try t maintain costs in any way. Also, on the back side, we have the hospitals quadrupling (or more) the prices they charge, since the goobernent medical programs ('care and 'caid) do not payout well. So the hospitals are playing the shell game. As a society, we think insurance, we pay our 'premiums' then expect to live forever. Along with that, we have become overly litigious (fukin tort lawyers!!!). The whole system IS already unsustainable, and based upon a fantasy.
However, does ANYONE believe the gooberment is going to do it any better? Any cheaper? Any more 'fair'. If so, I have a large plot of land to sell, that at one time was river front property (before the damn).
The second point I want to make is one that you hear thrown around A LOT. That is this mythical 50 states all with their own insurance companies.
Well folks, ever heard of the 10th amendment? Each state has written it's own laws, added it's own mandates. About the only way to legally build policies that work across state lines, is to make all of the coverage a union of each states mandates. Either that, or get the states to drop some of their mandates. This is what the system is, and WHY it is that way. This IS what happens when goobernent gets involved in commerce, and starts writing laws. Now we have a bill (er, law), that is probably 20x bigger and more obnoxious than ANY of the former state laws. And there is a HUGE drum beat to simply have 'universal' policy capabilities. Well, if that is going to happen, then you will get either 1. a 2x or 3x more expensive bloated set of plans, because they have to cover EVERYTHING across all states OR you end up fuking the states and usurping their rights.
Either way, the whole thing is almost certain to fold like a house of cards. As a people, we have gotten our expectations and behaviors SO out of whack, when it comes to health care. We treat ourselves like shit, expect to live forever, and do not want to pay for shit. Those are 3 mutually exclusive directions, but we think we can do them all.
I am going to slink back into my hole for now. I really should not have posted.
H.