Re: America's Affordable Health Choices Act of 2009 - Part 2 - Deathers vs. Commies
This mammogram thing is absurd, and alltogether counterproductive.
Regulation and government involvement should be done to prevent the insurance companies from slowly making us pay more for less health coverage, its not supposed to speed it up!
"You can wish in one hand and crap in the other, and see which one fills up first."
Govt involvement does not equate better care for less money. Removing the profit motive does not mean you lessen the cost of care, nor does it improve the care. Just under half of the hospitals in this country are listed as being not-for-profit. Has there ever been a statistical analysis done to see if they provide better or more efficient care than for-profit hospitals? Do they serve the public at cheaper prices?
In most markets, the profit motive has serves as a vehicle for organizations to reduce cost. They do this because people want their products for the cheapest prices available. If you find that the market-clearing price is $5, but it costs your org $6 to make the item, you'll either have to leave the market or find a way to make the product cheaper.
That principle left the health care industry as we removed the person receiving the service (the patient) from the direct payment for the service. Namely, we've introduced a third-party payer system through mandates, stating that insurance had to cover all sorts of things that were once paid for by the consumer. Prior to that, the individuals (or group policies) could purchase coverage that would only cover the catastrophic events only. That sort of health insurance was slowly regulated away by most states, until we pretty much have either the HMO or the PPO setups you see today.
Now when Bobby falls down and scrapes his knees, mommy isn't content at just slapping some Neosporin on the knee with a band-aid, it's conceivably a trip to urgent care or the emergency room. Why not? Mommy doesn't have to face the full brunt of the cost. So we see an increase in quantity demanded of health care services.
Obviously, the scraped knee is a bit of an exaggeration, but it's emblematic of why our health care system sees so much traffic, and why prices for services would go up so dramatically. Accordingly, the evil HMOs and PPOs had to step in and find a way to cut costs, so they do those things that les and DrDemento find so aggravating. I'm sure the insurance providers (it's not really insurance at this point, it's more of a pre-paid medical maintenance services contract) have made plenty of mistakes; they are ran by humans.
Now in steps the government, claiming to be the panacea to this issue, willing to take on all comers. What happens? Ask Massachusetts. It's amazing how much of a free good or service people will take - as much as it takes until their marginal utility becomes zero. What happens then? Guidelines are set in place to dictate what sorts of care will be covered, and in what fashion they will be covered, aka "govt rationing."
Markets ration through price - those willing and able to pay will get their services. Those providers will get their pay and in turn be able to actually provide the service. The other part to this is that those who can't pay often still get served, either through third party charities (the Shriner Hospitals, Ronald McDonald House, etc) or through directed discounts and philanthropy given directly by the provider.
It may not be a perfect system, some will still fall through the cracks. but it would be better than what we see currently, or what the government's set to offer. Hell, even the govt has announced that up to 30 million people will still not be covered in this universal health care system. How universal is that? And how's it better than what we already have? And why will it add over $1 trillion beyond what's already being spent annually? Do 10 million newly insured really cost $1 trillion/year? That's $100k/person/year. Ouch.