Skip to main content

This (below) is a chart that tries to explain the new and old high risk pools, vs. single payer healthcare for all.

There are already 37 states with high risk pols but only 200,000 people use them because they are so expensive, and limited to those who were rejected by individual insurers.

The new pools would vary by state, starting out Federally funded but then, two years in, they would shifts the cost to the states. Kind of like a cable TV contract, the low introductory rate.. And, as many people find with any insurance that doesn't dilute risk on a very large pool, the costs  high risk pools can be astronomical for both the states/Federal subsidizers and the insured.

I strongly recommend that you all read this description of what high risk pools are, and aren't.

People in the existing high risk pools pay premiums based on individual rates, plus substantial out of pocket costs on top of the premiums, (something that doesn't seem slated to change in the forseeable future, except for the poor.)  But the state or whoever must subsidize those pools pays even more. This is a very expensive BandAid on a serious problem that single payer would solve, providing far better healthcare, far more cheaply.

Note the media is softly downplaying the HUGE differences in price between the group and individual market, as well as the different prices that will be paid for access to any plan, now or later by, for example, the self employed, (the individual exchanges.) vs. those in small groups, a difference required by the insurance companies, to preserve their profits in the lucrative individual market.

Options for Patients With Pre-Existing Conditions Until 2014
 State High Risk PoolsFederally Funded High Risk PoolSingle Payer 'Medicare for All'
Number of people coveredCurrently around 200,000 nationally (a tiny fraction of the need) in 34 states in 2008.Unknown, must have been uninsured for six months and uninsurable and be able to pay premiums that are approximately the same as high quality individual insurance, which is currently unaffordably expensive for most uninsured Americans.Everybody, currently that's around 307,000,000 people, most healthy, some sick.
Percent of Costs Covered"The high-risk pools are more expensive than normal insurance pools.80% or more, depending on premiums and if the $5900 cap on any additional out of pocket expenses is reached. Total cost of premiums plus OOP expenses would be based on premiums and numerous variables but, especially for older patients, could easily be $30k-$35k/year or more(However, CAP on OOP costs and lower premiums may represent a substantial improvement from the current costs in state risk pools for new patients because many patients in the state high risk pools pay substantially more than $5950 in average OOP costs in addition to their premiums.)100%
Cost to PatientVery high as its based on individual rates but still lower than full self pay. Varies by age and state from low of approximately $ 500 - 600 for the young to over $3000/month/person
Based on individual insurance rates, which are currently unaffordable to all but a few, times 125% to 200%
Only 400% age-adjusted premium community rating compared to as much as 700% age price ratio in private indiv. plans.
Still Very high as its based on individual rates, and they are unaffordable to all but a very few now, but Premium Price MAY still be lower than state pools for some, higher cost states/plans, approximately 100% of individual rates, so premiums could be as low as $500 to $2500 month. If OOP costs are capped at an additional $ 5950 a year, that is it. Once that limit has been reached, all additional non-premium spending may be reimbursed, pending funding. (Caps on OOP spending have the potential to balloon costs, so there is a potential that benefit may be lost)
No PremiumsPaid for by Federal income taxes, May add 5 - 7% to income taxes, but cost would be offset by elimination of premiums and drug costs/co-pays, premium hikes, cost sharing, price gouging, etc. Lifetime increase in wealth at least $ 250,000/person (source NY Times Economix Blog US vs. Canada cost)
What Happens If I Miss One Payment?Ineligible for benefits for waiting period (I think) could be from 6 months to as long as one year, (May need to rejoin waiting list/ may lose benefits) but presumably even sick still, I think must pay to prevent 'free riders'.Ineligible for benefits for at least six months to prevent cancer patients, etc, gaming the system, Don't know if they still have to pay while barred from receiving benefits.No Payments to Pay/Miss Everybody covered for life.
Cost to StateHuge, State must first fund 50% of ALL risk pool plans to bring cost down to individual price, THEN to reach $600 to $3000/patient/month, to make the price semi affordable, unlike individual plans cost, some generous states then add an additional subsidy. But its unsustainable. Current High Risk pools represent an extremely expensive Band Aid solution to the problem of unavailable health insurance that even with valiant efforts to succeed, fails the vast majority of those who need it because of its cost. Full price of some policies probably exceeds $ 4-5k/month- premiums paidCost would shift from Federal govt to states in 2 yrs$0
Cost to Federal GovernmentNoneEven higher than state plans based on the need to subsidized rates down to current individual plan prices.Lower than any other method
Limits on EnrollmentSevere, many states require that applicants first have applied and attempted to pay first month of individual private coverage and been rejected for health reasons only, not cost. (An amount that can exceed $ 2000 - $ 3000/month) Rules typically pre qualify access to only those who can afford individual coverage (the well to do, generally) Some states allow those with severe, often terminal illnesses like some kinds of cancer, AIDS, etc, to bypass this process. Howver, state risk pools are struggling because of the huge cost.Federal risk pool will have similar requirements to states with the addition of a six month waitingdying period. However, cost will be lower due to larger subsidies.None (cradle to grave)
Cost Control Mechanism(s) (if any)NoneNonesingle payer system able to negotiate prices from strength(i.e.'take it or leave it')
Limits on Out of Pocket Spending (by Patient)Premiums huge, typically 200% of group plans- stark -especally when compared to group plans/(or COBRA)Generally no limit on out of pocket additional spending.Premiums will be huge, then additional out of pocket costs will be limited at $5900/year. (Amounts spent over that may be reimbursed later.)No out of pocket costs, except cost of transportation to and from appointments.
Limits on Covered Costs (to Patient)Lifetime limits on benefits start at $300,000 which is low. States are having big problems funding existing pools.Unknown, As it may run into funding problems, state may not be able to assume risk pools so risk pools may end before (expensive) guaranteed issue individual national HCR begins.100% coverage
Limits on Cost to StateNoneNone after 2012Best option for states
Limits on Cost to Federal Govt.No costTwo years of cost, currently only funded through 2010/early 2011 (estimate)Yearly cost could be comparble to yearly cost of HCR or more. Avoids single payer cost control mechanisms, like other HCR.Huge savings from consolidation of all healthcare programs into one, savings on purchasing by negotiating strength. Could pay global average prices for drugs, etc. (1/4 of current prices)
Sustainable?NO TOO EXPENSIVENO TOO EXPENSIVEYES!

Originally posted to Andiamo on Sat May 01, 2010 at 06:23 AM PDT.

Poll

Does it make sense to offer a high risk pool and individual coverage if its so expensive that even with huge subsidies, few will be able to afford it?

7%2 votes
65%17 votes
7%2 votes
19%5 votes

| 26 votes | Vote | Results

EMAIL TO A FRIEND X
Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags

?

More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

  •  Tip Jar (10+ / 0-)

    FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
    WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

    by Andiamo on Sat May 01, 2010 at 06:23:56 AM PDT

  •  I have a friend who has been hoping the (3+ / 0-)

    high risk pool would help him get access to a spinal specialist (he is in constant unbearable pain from degenerative discs).  we've been unable to find much info re the high risk pools and how/if they will help him.  even if he qualifies he will not be able to afford it. looking at these numbers, i'm sure he will not be in the minority.

    thank you for posting this chart and continuing your work on singlepayer.  can't tell you how much i wish there was no longer a reason for you to be so vigilant.

    •  Up until a few months ago I was really suffering (4+ / 0-)

      from some sleletomuscular issues but recently far I seem to have suddenly been able to gain a quite noticable amount of my health back when I started taking a bunch of different plant antioxidants. I don't know whether just one is responsible for the huge improvement - I suspect its a combination of them, for example, turmeric, resveratrol, cranberry extract, beta-carotene, astaxanthin, but if there was one that contributed the most, I'd suspect its resveratrol.

      Quercetin also was quite noticable..

      I would highly recommend his going to PubMed and plugging his condition in to the search engine there, maybe starting someplace like this..then printing any relevant papers he finds out and showing them to his doctor.

      Seems like the morning is the best time to take things like that.. i.e. on an empty stomach.

      Then you get more bang for the buck!

      I have a neighbor who has major spinal issues who Ive been searching for stuff that might help him, and I also remember reading that acetyl-l-carnitine and arginine also may help in that situation. For different reasons..  

      And DLPA in the morning may help with pain.

      They also both are cheap. But run it by a doctor!

      FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
      WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

      by Andiamo on Sat May 01, 2010 at 07:22:09 AM PDT

      [ Parent ]

      •  thank you for the suggestions! (1+ / 0-)
        Recommended by:
        watercarrier4diogenes

        i will research and give to him to share with the doctor who has been treating him probono since he hasn't been able to get an insurance company to insure him for this condition.

        •  Do you live anywhere near Mexico? (1+ / 0-)
          Recommended by:
          conchita

          Maybe he could go there for treatment? It costs a fraction there what it costs here.

          FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
          WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

          by Andiamo on Sat May 01, 2010 at 08:43:24 AM PDT

          [ Parent ]

          •  READ THIS PAPER.. re: spinal disk illness (1+ / 0-)
            Recommended by:
            conchita


            Spine (Phila Pa 1976). 2008 Nov 15;33(24):2586-95.
            The action of resveratrol, a phytoestrogen found in grapes, on the intervertebral disc.

            Li X, Phillips FM, An HS, Ellman M, Thonar EJ, Wu W, Park D, Im HJ.

            Department of Biochemistry, Section of Rheumatology, Rush University Medical Center, Chicago, IL 60612, USA.
            Abstract

            STUDY DESIGN: Basic science, biologic study. OBJECTIVE: To determine the potential benefits of using resveratrol (RSV) for intervertebral disc (IVD) matrix repair and regeneration. SUMMARY OF BACKGROUND DATA: The phytoestrogen RSV is a natural compound found in various plants including grapes and red wines. RSV has been reported to provide a protective effect on articular cartilage in rabbit models for arthritis, but its effect on spine cartilage is unknown. METHODS.: We studied the effect of RSV on bovine IVD cartilage homeostasis by assessing MMP-13 (potent catabolic factor) production, proteoglycan (PG) accumulation and synthesis, and the interaction between RSV and known catabolic factors such as bFGF or IL-1. To understand the molecular mechanisms by which RSV modulates MMP-13 and PG production, we also investigated its downstream target regulatory molecules. RESULTS: Stimulation of bovine disc cells cultured in monolayer with bFGF or IL-1 augmented the production of MMP-13 and ADAMTS-4 at the transcriptional level and this augmentation was blocked by RSV. Incubation of nucleus pulposus cells with RSV for 21 days significantly increased PG accumulation per cell in a dose-dependent manner, increased PG synthesis, rescued PG losses induced by catabolic reagents bFGF and IL-1, and promoted cell survival to levels seen after incubation with the anabolic protein BMP7 100 ng/mL. Protein-DNA interaction array results suggest that RSV effectively suppresses downstream target molecules of bFGF and IL-1 responsible for oxidative stress, proliferation, and apoptosis. CONCLUSION: Resveratrol is a potent anabolic mediator of bovine IVD cartilage homeostasis, revealing its potential as a unique biologic treatment to slow the progression of IVD degeneration. These data suggests RSV may have considerable promise in the treatment of disc degeneration.

            PMID: 19011540 [PubMed - indexed for MEDLINE]

            Related citations...

            FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
            WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

            by Andiamo on Sat May 01, 2010 at 09:19:50 AM PDT

            [ Parent ]

            •  you are an angel (0+ / 0-)

              thank you so much.  am bringing it to him today.

              •  I hope it works! That is just one of many papers (1+ / 0-)
                Recommended by:
                conchita

                It also helps arthritis. And a bunch of other things. I found that it improved my vision.

                Quite a bit.

                Seriously

                I think a lot of things aren't publicized because our system just does NOT know how to deal with real information that can effect real change.

                I was thinking this the other day.. LOL..
                Jesus recommended it!

                FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                by Andiamo on Sat May 01, 2010 at 11:19:48 AM PDT

                [ Parent ]

                •  Make sure you tell his doctor. Especially if he (1+ / 0-)
                  Recommended by:
                  conchita

                  is taking any other medication.

                  The doses of resveratrol in OTC products are all over the map.

                  I usually take around 200 mg a day.. That's more than some pills have.

                  FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                  WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                  by Andiamo on Sat May 01, 2010 at 11:39:23 AM PDT

                  [ Parent ]

                  •  i brought it to him (0+ / 0-)

                    he is seeing his doctor on monday to have a discogram and will show what you posted and anything else he finds to him.

                    •  What is a discogram? (1+ / 0-)
                      Recommended by:
                      conchita

                      See, I really know next to nothing about things I should..

                      I'm guessing, some kind of imaging procedure that attempts to ascertain disk issues?

                      Or a 70's record label.. LOL..

                      I had another thought.. Taurine might help your friend.. It can't hurt, and its cheap.. Its an antioxidant, sulfur containing (anything with sulfur in it helps the body shed toxic stuff) amino acid..

                      Really, PubMed is theplace to look.. if you learn how to use it, you can find all sorts of ways to heal yourself that don't involve the medical profession. Save doctor visits for when you have a serious issue..

                      But you'll find that doctors often don't beleive you when you have something that helped you, sometimes..even when you can show them a stack of studies showing that it helps..

                      If you fid a doctor who can work with you - with team spirit, they are a KEEPER..

                      I wish I learned earlier to leave and not go back when they ignore you.  

                      Medicine these days is often really bad. IMO, there is no way they could figure out what is wrong with people in the time they are given.

                      Caveat emptor!

                      FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                      WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                      by Andiamo on Sat May 01, 2010 at 01:35:15 PM PDT

                      [ Parent ]

                  •  he also told me that he (0+ / 0-)

                    stopped taking pain medication two weeks out of concern for his kidneys and liver.  your suggestions are very timely.  

                    •  A thiol compound.. (1+ / 0-)
                      Recommended by:
                      conchita

                      n-acetylcysteine, is something that can help prevent the toxicity of some OTC pain relievers.. somewhat.. (But people need to be careful, because they cause kidney and liver damage, those creams are especially dangerous..IMO people don't realize how much they absorb through the skin..) NAC is a keeper..

                      really an amazing aid to healing in many ways. It can help rid the body of a lot of crap. Lead and mercury, for example.

                      Its often sold as "NAC". Its also really good for helping people with breathing.

                      FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                      WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                      by Andiamo on Sat May 01, 2010 at 12:34:38 PM PDT

                      [ Parent ]

                      •  I started writing a long list of potential danger (1+ / 0-)
                        Recommended by:
                        conchita

                        but then I thought.. God, I really should do a diary about this.. so I'll save it for another time .. its exhausting even thinking about it.

                        We really need REAL health care because with the system we have now, everything remains hidden and people die when their deaths and illnesses might have been prevented..

                        We need DATA to solve problems.. without affordable healthcare we ALL lack DATA.

                        Its like the US is increasingly a black hole where people never "get sick", but then, die much earlier, and often, we never find out WHY. Because they never got care for it.. whatever it was.. we'll never know.

                        Thats a hidden agenda for you, huh?

                        FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                        WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                        by Andiamo on Sat May 01, 2010 at 01:26:41 PM PDT

                        [ Parent ]

          •  irony (0+ / 0-)

            he is from mexico but came here 20 years ago.  now he is in such pain he isn't able to fly or drive there.  i am printing this thread and bringing it to him.  members of his family still living in mexico work in medicine and may be resourceful.  

            •  DLPA is good for pain but it wont help repair (1+ / 0-)
              Recommended by:
              conchita

              anything. Acetyl-l-carnitine may help by improving circulation. Also, Omega-3 EFAs if you take enough of them, also reduce inflammation a lot.

              But those resveratrol studies are really interesting.

              Here is another one..

              Curr Opin Pharmacol. 2007 Jun;7(3):344-51. Epub 2007 May 1.
              Natural products as a gold mine for arthritis treatment.

              Khanna D, Sethi G, Ahn KS, Pandey MK, Kunnumakkara AB, Sung B, Aggarwal A, Aggarwal BB.

              Division of Immunology, Department of Medicine, University of Cincinnati, Cincinnati, OH, USA.
              Abstract

              Arthritis, an inflammation of the joints, is usually a chronic disease that results from dysregulation of pro-inflammatory cytokines (e.g. tumour necrosis factor and interleukin-1beta) and pro-inflammatory enzymes that mediate the production of prostaglandins (e.g. cyclooxygenase-2) and leukotrienes (e.g. lipooxygenase), together with the expression of adhesion molecules and matrix metalloproteinases, and hyperproliferation of synovial fibroblasts. All of these factors are regulated by the activation of the transcription factor nuclear factor-kappaB. Thus, agents that suppress the expression of tumour necrosis factor-alpha, interleukin-1beta, cyclooxygenase-2, lipooxygenase, matrix metalloproteinases or adhesion molecules, or suppress the activation of NF-kappaB, all have potential for the treatment of arthritis. Numerous agents derived from plants can suppress these cell signaling intermediates, including curcumin (from turmeric), resveratrol (red grapes, cranberries and peanuts), tea polyphenols, genistein (soy), quercetin (onions), silymarin (artichoke), guggulsterone (guggul), boswellic acid (salai guggul) and withanolides (ashwagandha). Indeed, several preclinical and clinical studies suggest that these agents have potential for arthritis treatment. Although gold compounds are no longer employed for the treatment of arthritis, the large number of inexpensive natural products that can modulate inflammatory responses, but lack side effects, constitute 'goldmines' for the treatment of arthritis.

              PMID: 17475558 [PubMed - indexed for MEDLINE]

              FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
              WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

              by Andiamo on Sat May 01, 2010 at 11:36:43 AM PDT

              [ Parent ]

              •  This is a fear I have and it may not be right.. (0+ / 0-)

                but I have a major fear of certain kinds of drugs, many steroids and so called "biologics" because I have met so many people and heard and read SO many other stories from people who took them and thet was the start of major problems for them..They turned out to have something else, and ended up getting so very much worse..

                When a doctor suggests any Rx drugs, make sure they REALLY know whats wrong with you, and aren't just GUESSING.. (in other words, you took a test that shows that THIS is whats wrong)

                and THEN research them first, on PubMed, NOT on consumer health sites..(which are written for ten year olds..and often politically tinged propaganda, not accurate)

                Look at the MRSA mess.. that is really because of our own stupidity more than anything else.. they HAVE to stop using antibiotics in farm animals..

                Global warming combined with antibiotic-resistant drugs is a very dangerous combination. There are a number of tropical diseases most doctors think are rare that are already clearly established in the US, in animals.. They are probably already killing a lot of people, but because of our crappy access to care, we won't know until its REALLY bad..

                We know more about the health status of animals than we do about people!

                FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                by Andiamo on Sat May 01, 2010 at 01:45:43 PM PDT

                [ Parent ]

  •  Given that the HRP is designed to be a temporary (2+ / 0-)
    Recommended by:
    kalmoth, Susan G in MN

    measure to help those most at risk until the exchanges kick in, and that regulations on the HRP are still being written, outside of a single payer system that we, unfortunately, do not have, what would you suggest?

    Curious about the chart as well. Are there links to the information you used?

    We must accept finite disappointment but never lose infinite hope. - Dr. Martin Luther King

    by Onomastic on Sat May 01, 2010 at 07:25:50 AM PDT

    •  My problem with this entire premise is that (2+ / 0-)
      Recommended by:
      karmsy, Onomastic

      the argument is basically moot.  Single payer, even if passed, would take years to implement.  Comparing the temporary high-risk pool to single payer is fine, but it doesn't change reality.

      Of course single payer is the ideal, but there's absolutely no country in the world that can go from a for-profit to single payer in one fell swoop.

      •  Exactly and even those countries with a form of (2+ / 0-)
        Recommended by:
        karmsy, Susan G in MN

        single payer are struggling with rising health care costs.

        We must accept finite disappointment but never lose infinite hope. - Dr. Martin Luther King

        by Onomastic on Sat May 01, 2010 at 07:41:41 AM PDT

        [ Parent ]

        •  Health care costs. Try talking about that (1+ / 0-)
          Recommended by:
          Onomastic

          reasonably and everyone starts shouting "death panels."  Americans want to have their cake and eat it too.

          •  Taiwan did it is less than ONE YEAR.. (1+ / 0-)
            Recommended by:
            conchita

            They all spend FAR less than we do.

            Taiwan's costs went up to I think 6% this year.. from 5 1/4 %

            Compare that to the double digit growth we have been experiencing..

            Plus, there is a huge advantage to not wasting 50% on insurance, billing, and brokers. One simplified process instead of 1700+

            That can't hurt!

            FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
            WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

            by Andiamo on Sat May 01, 2010 at 08:38:25 AM PDT

            [ Parent ]

            •  HMOs are real life death panel now (1+ / 0-)
              Recommended by:
              conchita

              That kills people.. lots of people..

              The only reason we don't hear about it is ERISA, which bars LAWSUITS.. keeping those millions of denials out of the news..

              Medical MISTAKES are at record highs, but medical malpractice awards, are at all time lows.

              FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
              WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

              by Andiamo on Sat May 01, 2010 at 08:41:19 AM PDT

              [ Parent ]

              •  Onomastic, I don't think we have any hope without (1+ / 0-)
                Recommended by:
                conchita

                single payer. The system is too corrupt and the insurance companies are experts at extracting money from both the government and the ratepayers.  If they raise the retirement age to 70 as many suggest, many more will die before they reach the safe haven of Social Security. A financial crash could make the whole issue moot and throw us into the welcoming arms of the IMF for a dose of Lithuanian style "austerity". Then its all over, existing benefits will be cut, We could lose Social Security entirely, because the whole nation would be asked to repay our huge war and ban debts.


                We must act now to make health care a shining beacon of fiscal responsibility, and efficiency.

                Otherwise, as I'm sure you realize, the dirtiest of dirty money will finish us all off.. the corrupt tendrils of politician and insurer deceit will finish their job of worming their ways deep into the hearts of Americans, cutting off their life-blood, slowly..

                I know people want to lie down in the snow, they want the struggle to be over. But now is not the time to sleep.

                FAKE STATE "SINGLE PAYER" THAT ISN'T SINGLE PAYER!
                WITHOUT EVERYBODY IN, NOBODY OUT THEY CAN'T CUT COSTS

                by Andiamo on Sat May 01, 2010 at 09:03:11 AM PDT

                [ Parent ]

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site