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View Diary: Health Care Friday (126 comments)

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  •  Required Insurance! (1+ / 0-)
    Recommended by:
    tmo

    I guess the insurance industry would love if the government required that everybody buy their product. The auto industry would love it if the government required everybody buy their product.

    As far as employees of health insurance companies if we go to single payer- they will get jobs. The government will have to hire claim adjusters/clerks, underwriters, actuaries and such. There might be a net loss of jobs, but we will still need people to handle the work, it will just be shifted to the government. Many insurance companies will probably retool to sell supplemental insurance. My company sells Medicare Supplement. If the single payer is set up like Medicare, there will still be a need for supplemental insurance, and my company would just expand.

    Signature Impaired.

    by gttim on Fri Feb 20, 2009 at 08:13:20 AM PST

    •  Well, despite all the lip-service to the (0+ / 0-)

      glories of competition, the fact is that American industry and commerce has always aimed to secure monopoly conditions.  Indeed, they even made it seem that they were entitled to an assured monopoly (like fixed air routes) in exchange for "accepting" safety regulations.

      The best we got where safe waste disposal is concerned was agreements to keep track of their toxic effluent in exchange for permits to pollute.  

      The idea that the environment is man's to muck up persists and any restraint on man's wasteful behavior is supposed to be compensated with some preferential treatment.

      Bunch of spoiled children.

      How do you tell a predator from a protector? The predator will eat you sooner rather than later.

      by hannah on Fri Feb 20, 2009 at 08:24:33 AM PST

      [ Parent ]

    •  no mandates! (2+ / 0-)
      Recommended by:
      tmo, raincrow
      1.  mandates don't control costs
      1.  mandates do nothing about quality
      1.  mandates line the pockets of the health ins co
      1.  mandates don't demand the insurance cover anything
      1.  another expense to us - who are already struggling under the premiums and the lack of coverage now - is going to help HOW?
      1.  mandates don't require health ins co to cover pre-existing conditions.

      Now if it was mandated with very reasonable rates and 100% coverage of people and their conditions we could talk but mandates without coverage will take people already overwhelmed and provide yet another bill to not be able to cover.

      And who gets to decide what you and I can afford?
      And what is the penalty for not complying?

      •  Affordability and enforcement issues unsolveable (0+ / 0-)

        Agreed, affordability and enforcement issues will be very difficult. I'll argue that they will be impossible to solve and will doom the idea, as anyone who thinks it about it for more than 5 minutes will also realize. Suppose my unemployed husband weren't able to get the insurance I'm getting from my job. How would they determine what we can afford to pay? You can't squeeze blood from a stone. If we don't have the money we don't have it. A tax credit when we file doesn't help pay the monthly premiums. He's unemployed so they can't garnish his wages. Would they forceably extract money from my paycheck or from our checking account?

        Then there's the cases for people who can't get or afford insurance now due to extraordinary medical problems. My mother-in-law had a traumatic injury many years ago, and would almost certainly not be able to get insurance on her own at all, or it would be at such a prohibitive rate (~$5000/mo) as to effectively not be available. Will the insurance companies be forced to offer her an "affordable" policy? What do they consider affordable? What would my MIL consider affordable and would those numbers have anything to do with each other?

        This whole idea is stupid and unenforceable. If you want to drive a car in California, you have to have car insurance. If you can't afford the car insurance, you don't drive the car. What are you supposed to do if you can't afford health insurance, stop breathing? It's not only stupid, it's immoral.

        A word after a word after a word is power. -- Margaret Atwood

        by tmo on Fri Feb 20, 2009 at 09:54:31 AM PST

        [ Parent ]

      •  Some seem to think if we should spend (0+ / 0-)

        our last dollar for insurance, giving up all pleasures in life that cost money.  I would do that if it were necessary, but to feed the coffers of greed, NO WAY, HOZeA.

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