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Originally Posted by TheMercenary
My auto insurance has not risen 30% a year all the while increasing my deductible and covering less.
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Right. So let's examine that. Why are healthcare costs (and health insurance costs) in America rising faster than in almost any other field, whether it's inflation costs or taxes or wages or iPhones? And why does healthcare, insured or uninsured, still cost more in America for the same level of care than in any other wealthy, industrial nation? I think most people would agree it's not just a matter of getting what you're paying for.
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Originally Posted by TheMercenary
Obamacare will do nothing to control what insurance companies are going to charge you.
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So the question becomes, HOW do we lower healthcare and insurance costs? Well, I guess the first question is SHOULD there be 'control', or at least an attempt to mitigate or lower healthcare costs? I unhesitatingly say, yes, there should be - i reject the notion that healthcare should be HARDER for the destitute to access, the notion that being poor means your only option is to just, well, be unproductive, suffer, and die if you get sick. So given that we're all paying too much for it, compared to other countries and to what we can afford (or what percentage of our incomes goes to paying for health insurance, compared to the past), how do we reduce costs without reducing quality of care?
I have been convinced both by living in a single-payer country and by the reams of economic and statistical evidence that a free-market system of health care, where your means and your means alone determine your health care, aside from any emotional or moral argument for universal coverage, introduces huge costs to the system when the uninsured require care, huge costs to the public when people get sick, languish, malinger, spread contagion, and otherwise suffer for lack of health care, and huge costs to healthy people as health care providers need more money from patients (thus from insurance companies (who then accordingly raise their rates)), to pay for the ones who aren't insured.
On top of the drawbacks to public health and to those WITH insurance or wealth, it is in the best interest of insurance companies to deny coverage in as many cases as possible - since profit is king, finding (legal if not legitimate) reasons not to pay policyholders is an advantage. With a single-payer system, where the government underwrites your insurance policy (which can be supplemented by private policies, but not replaced by, like a public option), we again get a collective risk/responsibility equation - but one where the scale and power of the government, coupled with the fact that the program would need to at best only break even, means that the delivery, to you, of quality, fast, efficient, cheap health care would be the #1 priority of both your insurer AND your doctor. Costs for the uninsured would also fall dramatically - I was not covered under Taiwan's single-payer system, as a foreigner, but for even relatively major things like root canals or ER visits, we would often pay out of pocket and find that it would literally not be worth submitting the claim to our insurance, once deductibles and processing and international mail were dealt with.
of course, obamacare isn't single-payer, or even public-option - it's only an individual mandate, the conservative (well, conservative until obama went for it and the right jumped ship) alternative to single-payer. I personally think that an individual mandate is a good thing for public health, but a better thing - too much so - for insurance companies, and leaves itself open to abuse. It might be better than things were, but it's just a teeny baby step, and one that leaves us more at the mercy of corporate health-care.
...and there is nothing else in obamacare to hate. Is there? Because the death panels are a lie. the end of "preexisting condition" denial is almost universally liked - if you have an argument against it please, by all means, out with it, but I can't possibly think of one. I agree with you that it's flawed and doesn't do enough to reign in costs, but is the solution just to dissolve it entirely? If you think it doesn't do enough, wouldn't you support MORE regulation, a STRONGER obamacare?