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View Diary: Sebelius takes responsibility for HealthCare.gov problems, weathers Republican attacks (124 comments)

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  •  And the reason we're doing that... (0+ / 0-)

    ...is that needing health care at some point isn't really a "risk", but a guarantee. Most people won't ever have their house burn down, but most WILL have some expensive health care needs in their life. And the fact is that that health care in this country is too expensive for a huge portion of our population to afford without subsidies (and this problem is made way worse by the screwed up economics of our health care system that charges people MORE if they are uninsured).

    Again, all of this is why I think that we'd be better off with a tax-funded single payer system than with any sort of insurance-based model. We're wasting a huge amount of resources on trying to shoehorn in a payment model that doesn't really fit. If we do insist on an insurance-based system, then it really needs to be highly regulated if we care about whether there is universal access to needed healthcare in our country. The ACA is a step in that direction.

    For me, universal access to health care is a non-negotiable goal. I'm open to different ways of achieving that, but we should subject all proposals to scrutiny to see whether they work better than alternatives. As a country, we can easily afford universal access to healthcare...we are collectively far more than rich enough to provide that. So we really just need to work out the details of that, which will have to include the richer people subsidizing the poorer (at least as long as such a huge portion of our population is poor enough that they can't afford it on their own). Fundamentally, wealth inequality is a big part of the issue, and THAT needs to be addressed as part of the solution to this problem.

    And we HAVE to solve this, because otherwise our government and our people will be bankrupted by it.

    •  using thousands upon thousands of dollars worth (0+ / 0-)

      of health care is not at all a guarantee.

      More to the point -- using thousands upon thousands of dollars worth of health care before qualifying for Medicare is not a guarantee.

      But we are now forcing people to spend great mounds of money into the system regardless.

      LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

      by dinotrac on Thu Oct 31, 2013 at 11:33:03 AM PDT

      [ Parent ]

      •  It is a guarantee if you have anything at all... (0+ / 0-)

        ...go wrong with your health, ranging from genetic diseases to accidents to cancer to dental problems. Especially if you're actually getting all of the care that you should be getting (as opposed to the substandard level of care that you may get if you can't afford good care).

        It's true that many people will never have a $100,000 health event in their lives, pre-Medicare age. But even a simple broken arm or leg can cost $10,000 to diagnose and treat properly nowadays. That's unaffordable for a huge number of people without subsidized care.

        People being "forced" to pay in to the system is just the tradeoff for the system taking care of them when/if they need it. If they don't end up needing it, then they're lucky, and don't really have much to complain about. People don't complain that all the home insurance premiums they pay are a waste of money because their home didn't burn down, because they understand that they are paying to remove risk. Instead, they're just happy their home didn't burn down. It's the same thing here, which is why I think we need to stop looking at this is "force" and start looking at it as "shared responsibility".

        •  Needing to replace or repair your car is a (0+ / 0-)

          guarantee if you have a bad accident.

          Doesn't mean it's a guarantee without the if.

          FWIW, I'm glad I don't go to your doctor if that's what you pay for a broken arm.

          LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

          by dinotrac on Thu Oct 31, 2013 at 12:09:11 PM PDT

          [ Parent ]

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