Shoot, I don't know for sure. It's so tangled. I do agree with you that at least Obama is taking a stab at something. It's not perfect, but we have to start somewhere.
I'm thinking the system has to start from the ground up because:
- We didn't even HAVE insurance before the end of the 19th century, and it really took off when it was a good perk to provide employees during the industrial era. But there is no good reason to make private employer-based insurance the "norm" now. Under 50% have employer-provided insurance today. So what do we do with the other 50%?
- Medical technology has grown incredibly, and it SHOULD NOT BE another gap between the rich and the poor. We're not back in the old days where the most sophisticated medical procedure was an appendectomy. We have the power to put the brakes on a lot of cancers and debilitating disease and if it's good enough for some, it should be good for all.
- There are too many chefs in the kitchen. When no one person/body has direct accountability or responsibility for costs, they're just going to spiral upward. The payment for medical costs is like some big illusion, hidden behind the multiple parties involved. The costs have to be simplified. The patient has to bear some responsibility, to the best of his ability. Somehow, real money has to pay for medical care
- Doctors are not having fun. OK, we can't all have fun at our jobs, but doctors are opting out of the system because of the ridiculous bureaucracy involved in paying insurance companies. Doctors have to have large staffs to deal with claims and preauthorizations. It's ridiculous. They feel they have no control anymore. They are told what they will be paid for their services and what they will prescribe, by insurance companies who are only looking at the bottom line.
- Lifestyle diseases are hurting all of us. And what are the causes of these lifestyle diseases? Maybe our addiction to work, addiction to food; our succumbing to the seduction of advertising, our unwitting exposure to toxins that are sold to us at a cheap price by profit-seeking corporations.
- Pharma companies pay billions to keep the government in their pocket. Now, I could be an apologist for pharma companies because I work for them and I KNOW they have done tons of great things for patients. But I object to the manufacture of medical need (many lifestyle conditions have been created by pharma companies) and we now have a culture of there's nothing that a pill can't cure. My 92-year old aunt took an aspirin a day; my 85 MIL was on 13 separate drugs when she died.
This is a mess. So I think that we need to:
- Recognize that we need a combination of private and public funds to pay for healthcare. 50% of the rest of us need good healthcare at an affordable cost. Think about it--if we knew we didn't have to risk our health by going out on our own, that would feed entrepreneurship and economic growth (because a LOT of people only stay in their jobs to keep their health insurance).
- Privatize medical services in a creative way. I see nothing wrong with the trend of doctors forming healthcare coops that accept only cash. I don't mind incentivizing such creative ways to privatize care. I heard one idea on the radio where a doctor would be incentivized by the government to provide a certain level of services for people who can't afford them. Stuff like that.
- We need public health insurance because a lot of people just can't get affordable healthcare. I have spoken to so many REGULAR patients (not "bloodsuckers of the system") whose quality of life would be so much better if they could just get what any old middle manager at IBM has access to--it's simply not fair. In fact, sometimes when I moderate interviews with patients, it's hard not to cry with the injustice of hardworking people suffering because of this wacky system that just doesn't serve them.
- We need to invest in prevention, education, and awareness. We are a reactive society in terms of healthcare. Let's get creative! Let's accept that alternative therapies are another option. Let's invest in conscientious consumerism when it comes to food.*
- We have to make the patients accountable for his/her health. In that regard, the old fee-for-service model was much better than the convoluted HMO/PPO model in my opinion. At least it was a clear, understandable business model--cost-sharing between two parties and not a whole bunch of parties--none of whom are ACTUALLY taking the money out of their pockets.
- Incentivize doctors to do what they do best rather than making them bean counters. Take Big Brother off their shoulders.
- Certain healthcare services should be free. Child immunizations should be free.
- Change attitudes of the American people RADICALLY. We've opted for the burn-out life and we're burning out.
*THEN of course there's a whole other list for getting rid of the influence of outdated farm subsidies and other corporate/government dysfunctional arrangements.
I guess that's what I'm thinking right now.