Obviously health care needs to be reformed in the US. It needs to be reformed everywhere. But I'm not convinced Obama's solution is the right one. A public option could help the situation in the US, but I wouldn't call it reform.
I think the biggest problem with health care is this idea of third party insurance. I don't care if it's a private company running my health care plan or the government. Either way, I'm not in control. Insurance also naturally drives costs up. If everything is covered then you don't care how much something costs and neither does your doctor. So you'll always get the most expensive treatment, the most expensive medication, even if a cheaper alternative would work.
However, if you had to pay for it yourself, then you'd shop around for the best and most affordable treatment and this would create massive competition in the medical industry. Competition is a good thing because it means providers are forced to provide better quality services for lower costs. So I'd like to move towards a health care system where we are more responsible for our own health and had to pay for our own health care.
In that type of system, costs would go way down because as I explained, that's what happens in a competitive market. Look at areas of the medical industry that insurance companies usually don't cover. Laser eye surgery, plastic surgery. In these areas, costs have gone down each year. I also think people would be much healthier because they know if they become sick they will have to pay for their own health care. It wont be covered by a third party. So we'll be a fitter, healthier, happier people. But what about those who couldn't afford treatment, even if the treatment is low cost. That's the problem.
Well, you would hope that there's enough good people in the world with enough money to provide charitable health care to the needy who get sick. That used to happen a lot before the introduction of health insurance companies. Churches used to run hospitals for the poor. But even in profitable hospitals that charged for visits, someone without any money could be treated. The reason people are denied treatment at hospitals now is because the insurance company rings up and tells them not to give that person treatment. Without insurance companies it would be up to the doctors and whoever runs the hospital. Usually, people get into that profession because they want to help people. So it's going to be a really heartless doctor who turns away a dying person because they have no money. They could work something out. Without bureaucracy involved, the doctors would be free to work out their own payment plans with the patients.
So that would be my reform. I'd try to move towards a free-market-based health care system. The idea is to remove all bureaucracy and government, but there could be a role government could play if people thought it was really needed. In my country and I'm sure many countries around the world, the government makes everyone pay into a superannuation fund for themselves. A few dollars every week or whatever. Then when they hit retirement age (I think it's about 60-65) they can get that money back. The idea is that they are forced to save up for their retirement. I usually don't like the government forcing people to do anything with their money (that includes paying taxes). But in this case I'm not completely against it because they are giving people back their own money later in life instead of giving them tax dollars to help them through their retirement years. So I could support a similar plan for health care. A health savings plan where a few dollars is taken out of peoples' paycheques each week so that when something catastrophic happens to them health-wise, they can reach into their health savings fund and pay for it. In fact, that could be a good way of transitioning from this system into a free-market-based system where the individual is responsible for their own health care.
Anyway, what I'm saying is that I hope Obama's health care bill is defeated in congress because if it is, then the Americans have a real chance at real health care reform. It's not that I'm 100% against Obama's plan. I just think it will delay real reform. And if America can truly reform their system so that it works well without the need for government interference, then the rest of the world can follow suit. Because America doesn't have government run health care yet, it's a great place to experiment with different health care solutions.
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Response to Susie's Original Post:
Originally Posted by
Mr. George [/FONT]
[FONT=Arial, Helvetica, sans-serif]Obviously health care needs to be reformed in the US. It needs to be reformed everywhere. But I'm not convinced Obama's solution is the right one. A public option could help the situation in the US, but I wouldn't call it reform.
I think the biggest problem with health care is this idea of third party insurance. I don't care if it's a private company running my health care plan or the government. Either way, I'm not in control. Insurance also naturally drives costs up. If everything is covered then you don't care how much something costs and neither does your doctor. So you'll always get the most expensive treatment, the most expensive medication, even if a cheaper alternative would work.
However, if you had to pay for it yourself, then you'd shop around for the best and most affordable treatment and this would create massive competition in the medical industry. Competition is a good thing because it means providers are forced to provide better quality services for lower costs. So I'd like to move towards a health care system where we are more responsible for our own health and had to pay for our own health care.
In that type of system, costs would go way down because as I explained, that's what happens in a competitive market. Look at areas of the medical industry that insurance companies usually don't cover. Laser eye surgery, plastic surgery. In these areas, costs have gone down each year. I also think people would be much healthier because they know if they become sick they will have to pay for their own health care. It wont be covered by a third party. So we'll be a fitter, healthier, happier people. But what about those who couldn't afford treatment, even if the treatment is low cost. That's the problem.
Well, you would hope that there's enough good people in the world with enough money to provide charitable health care to the needy who get sick. That used to happen a lot before the introduction of health insurance companies. Churches used to run hospitals for the poor. But even in profitable hospitals that charged for visits, someone without any money could be treated. The reason people are denied treatment at hospitals now is because the insurance company rings up and tells them not to give that person treatment. Without insurance companies it would be up to the doctors and whoever runs the hospital. Usually, people get into that profession because they want to help people. So it's going to be a really heartless doctor who turns away a dying person because they have no money. They could work something out. Without bureaucracy involved, the doctors would be free to work out their own payment plans with the patients.
So that would be my reform. I'd try to move towards a free-market-based health care system. The idea is to remove all bureaucracy and government, but there could be a role government could play if people thought it was really needed. In my country and I'm sure many countries around the world, the government makes everyone pay into a superannuation fund for themselves. A few dollars every week or whatever. Then when they hit retirement age (I think it's about 60-65) they can get that money back. The idea is that they are forced to save up for their retirement. I usually don't like the government forcing people to do anything with their money (that includes paying taxes). But in this case I'm not completely against it because they are giving people back their own money later in life instead of giving them tax dollars to help them through their retirement years. So I could support a similar plan for health care. A health savings plan where a few dollars is taken out of peoples' paycheques each week so that when something catastrophic happens to them health-wise, they can reach into their health savings fund and pay for it. In fact, that could be a good way of transitioning from this system into a free-market-based system where the individual is responsible for their own health care.
Anyway, what I'm saying is that I hope Obama's health care bill is defeated in congress because if it is, then the Americans have a real chance at real health care reform. It's not that I'm 100% against Obama's plan. I just think it will delay real reform. And if America can truly reform their system so that it works well without the need for government interference, then the rest of the world can follow suit. Because America doesn't have government run health care yet, it's a great place to experiment with different health care solutions.[/FONT]
[FONT=Arial, Helvetica, sans-serif]Impressive...I have always enjoyed reading your most reflective thoughts.[/FONT][FONT=Arial, Helvetica, sans-serif]
Dear Mr.George:
[/FONT][FONT=Arial, Helvetica, sans-serif]
Impressive...I have always enjoyed reading your most reflective thoughts.[/FONT][FONT=Arial, Helvetica, sans-serif]
[/FONT]
[FONT=Arial, Helvetica, sans-serif]Nothing wrong with a Capitalist Society (competition is good)
However, The problem with the current United States Health Care is that the basic foundation of what the Health Care System originally derived from "assisting others who "need" medical care"... to a[/FONT] [FONT=Arial, Helvetica, sans-serif]n enormous conglomerate of the "business" pharmaceutical[/FONT][FONT=Arial, Helvetica, sans-serif], medical [/FONT][FONT=Arial, Helvetica, sans-serif]field industry, and insurance companies...!
Unfortunately, It has become all about the $$$ rather than giving human beings "affordable" health care...Many pay high premiums, high deductible rates, co-pays for office visits and prescriptions just to have some sort of health insurance coverage.
For the majority, not all; the current United States medical insurance policies are geared more for catastrophic issues than basic medical care.
Doctors get kick backs (illegal but it [/FONT] [FONT=Arial, Helvetica, sans-serif]does happen example: vacations, golf outings etc.) for promoting so called "new and or improved medication (s)" [/FONT][FONT=Arial, Helvetica, sans-serif]that are approved through the Food and Drug Administration.
If we have insurance, the doctors (across the board) and not in every case, give us the more expensive prescriptions when in FACT the older or what is called now the generic medication would work just as well.
Or how about when one is very fortunate to have medical insurance the doctor office "always ask" if you have insurance and the doctors charge MORE money for an office visit...than for those who don't have insurance...same happens with in and out patient surgeries, testing, [/FONT] [FONT=Arial, Helvetica, sans-serif]not to mention all the lobbyist's on Capitol Hill...so on and so forth...I could go on but I think you get the picture.
I lost my medical insurance (through a devastating job loss) in 2005...to date my current employer does not offer medical insurance and there is no way I could afford it like soo many on my own...
I have been on both sides of the spectrum...either way its NOT pretty..!
I do not agree with all of President Obama's Health Care initiatives, keep in mind nobody likes change, and yes the plan DOES NEED to be tweaked, come to some sort of compromise, [/FONT] [FONT=Arial, Helvetica, sans-serif]come to some sort an agreement to satisfy the masses...
Certainly with all the extremely intelligent individuals we as the citizens [/FONT] [FONT=Arial, Helvetica, sans-serif]of the United States have elected into office they c[/FONT][FONT=Arial, Helvetica, sans-serif]ould come up with a work[/FONT][FONT=Arial, Helvetica, sans-serif]able, fair, cost effective Health Care Plan that will help all who need it..!
:angel:Knowledge IS Growth...Education IS The Key~~~ [/FONT] [FONT=Arial, Helvetica, sans-serif]
http://www.youtube.com/watch?v=5ERgyqRQ88w
Heal The World~~~"Education is the Key"
Sincerely,
Susie
Cleveland Rocks
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