Universal health insurance back on the table
With the return of a Democratic Congress and the commitment of Republican governors like Mitt Romney and Arnold Schwarzenegger to inching their states towards expanding health care coverage, universal health insurance looks to be making a return to forefront of national debate. With the number of the uninsured swelling to nearly 47 million this year, the issue remains the great unresolved public policy challenge of the day. At the same time, with commitments by prominent Republicans to a significant expansion of coverage and the beginning of the 2008 presidential campaign season upon us, the possibility for a bipartisan commitment to universal health insurance in the coming year exists if the left and the right prove willing to compromise.
Room exists for cooperation on the issue. Risk pooling makes sense both as a means for sharing the burden of protecting ourselves against unexpected calamity and as a manifestation of our common commitment to ensuring that no individual is left to bear the costs of bad fortune alone.
Appeals to the common good—the subject of a recent conference at Georgetown hosted by the Center for American Progress—should find sympathetic audiences across the political spectrum. Ezra Klein in the Los Angeles Times observes a new willingness on the part of corporations and insurers to revisit the prospect for universal health insurance:
Cognizant that Congress and the nation are tiring of the current dystopia, the insurance industry recently released its own plan for universal healthcare. It's a bad plan, to be sure. Its purpose is more to preserve the insurance industry's profits than improve healthcare in this country. But the endorsement of universality as a moral imperative, and the attempt to get in front of the coming efforts at reform, mark the emergence of a distinct rear-guard mentality within the insurance industry. Their game is up, and they're turning some of their attention to shaping their future rather than betting that they can continue protecting their present.
With the former foes of universal health insurance looking to get ahead of the issue to produce an outcome acceptable to their bottom line, long-standing health insurance advocates should be prepared to renew the debate with a prioritized set of components of an equitable final outcome. Winning over segments of the conservative base should be a goal for 2007. I believe the path to a fair universal health insurance program lies through evangelical Christians.
Today, health insurance is a prerequisite for leading a dignified life. A societal commitment to providing a minimum of health insurance for all citizens, regardless of the exact means for achieving universality, demonstrates a larger commitment to a shared fate. Concerns about moral hazard driving up insurance costs can be addressed by building incentives into insurance programs.
A bipartisan coalition is possible if politicians are willing to cast aside old prejudices. A recent New York Times Magazine article on a new commitment to combating prisoner recidivism by conservative Christians shows that issues that once seemed permanently divisive can be reopened if progressives and conservatives can agree on a shared language. We should resolve, in the New Year, to find that common ground.












The proponents of Universal Health Care should be careful what they wish for. I would urge every advocate to carefully study what happened in my state (TN) when our governor decided he was going to cover every uninsured person in the state with a program called Tenncare. This is yet another example of good intentions with severe unintended consequences. Tenncare's budget mushroomed beyond even the worst-case projections and threatened to bankrupt the state. The current governor has been forced to boot 10's of thousands of people out of the program to keep it solvent.
I am opposed to a blanket UHC plan, because what I've seen is when you make healthcare free -- you will create the same problem nationally we've had in TN, and nobody has a clue how astronomical the costs are going to be.
December 28, 2006 3:38 PM | Reply | Permalink
Re: I am opposed to a blanket UHC plan, because what I've seen is when you make healthcare free -- you will create the same problem nationally we've had in TN, and nobody has a clue how astronomical the costs are going to be.
Those costs are going to exist no matter what! You cannot expect people to just lie down and die just to save you a buck along the way.
Problem is, the costs are largely hidden now because no one is directly billed for "uncompensated care". Instead the costs are just snuck into everyone else's bill.
As for TN if the fools in Nashville had funded the plan right it would not have run into this plan.
Universal healthcare is indeed a moral imperative and, yes, we are going to have pay for it (and forget that silly slogan about it belong "free"; it won't be and we all know it). So be ready to ante up your fair share and be glad that you too will never be without healthcare. I call that a good bargain.
December 28, 2006 3:51 PM | Reply | Permalink
JP, without even researching the Tenncare program, you have the audacity to say they should have just funded it right. C'mon, do the research first, and you will discover the issues of UHC are very complex. TN is a cautionary tale and brings up a lot of questions that require answers.
I think the MA program is interesting -- forcing every state resident to have private health insurance. It's too early to tell if the program will work but it's a good pilot to consider in other states.
A European model will not work here for many reasons, not the least of which is that we have a massive trade deficit vs. their trade surplus with the US. Without the massive influx of cash from US trade, none of these Euro countries or Canada could afford their gold-plated UHC programs.
December 28, 2006 4:42 PM | Reply | Permalink
If the left and the right would only lie down together, like lambs among lambs, many things would be possible. And that could happen if neither side had principles, core beliefs or concerns about elections. But even then, their mutual labors might just produce a monster.
And I can't imagine a bigger monster than the one we'll get when the insurance industry realizes its plan for universal health care.
Universal, single-payer health care (definitely NOT the industry plan) will free up hundreds of millions of dollars currently used unproductively to fund competing private health bureaucracies, their duplication of efforts, mass confusion, profits, coverage exclusions, payment dodges and legal entanglements. Universal, single-payer health care will relieve American employers of the unreasonable and unconscionable requirement to be the provider of good health for their employees, and free them to focus their human and financial resources on becoming better global competitors.
The Tennessee experience is instructive, not in the way it is discussed above, but because it demonstrates that universal health care cannot be piece-mealed at the state level. TennCare was a well-intentioned Medicaid solution that did not and could not address the fundamental problem. Medicaid winds up providing care to those with the most intractable, chronic problems who have no remaining resources of their own and who have been cast out of the mainstream system by all other insurers.
That's the crux of the issue. Insurance is supposed to be about shared risk. But the game among private insurers is to accept risk only from those who are at the least risk, and shun those who are at the greatest risk. So long as the game is competition among private employers and their private insurers, and the incentives for both are to shun risk, you can bet that those most at risk will have no coverage, or, if they do, their coverage will disappear as soon as those chronic symptoms take over their lives. Soon they, too, will be on Medicaid.
The only fair, equitable, practical and affordable health care system entails universal risk sharing, which results in a single-payer system.
I'm not so foolish as to believe that universal, single-payer health care is a panacea. There will be many problems to deal with, many of which have been pointed out by opponents of the system. But if we believe it is important to make good quality health care accessible and affordable for every citizen, I see no other way to do it. And it can be done well. That's the key. We can do it, and we can do it well.
I think that universal health care can be accomplished in a bipartisan manner, but only when the large majority of the employers in this country who are not insurance companies or health care providers finally realize that their interests in this matter are inconsistent with the interests of that minority who are insurance companies and health care providers. Then, like good corporations everywhere, they will tell their elected representatives what to do.
December 28, 2006 8:26 PM | Reply | Permalink
Michael,
I'm baffled by this statement in your post:
"I believe the path to a fair universal health insurance program lies through evangelical Christians."
Would you be willing to elaborate?
December 29, 2006 7:29 AM | Reply | Permalink
Re: JP, without even researching the Tenncare program, you have the audacity to say they should have just funded it right.
If a program runs out of money it usually means it is not properly funded or perhaps is poorly organized. That and not universal coverage is the reason for such difficulty.
Re: C'mon, do the research first, and you will discover the issues of UHC are very complex.
Complex? No. Complicated? Yes. there's a difference. As with all financial matters the trouble boils down to failure to balance income with out-go. Sure, there are a myriad aspects to that problem, but it's a single-value problem, not something complex at all. To solve, analyze where and how the money is coming in and going out, then adjust as needed. True, the political will may have been lacking to tell providers they would receive less and suscribers they would have to pay more, but that's a political failure, not something inherent in the system.
Re: A European model will not work here for many reasons
There is no single "European model". Europe's healthcare systems range from Britain's uber-socialized NHS to Switzerland's (heavily regulated and subsidized) free market system. All of them produce universal coverage, and we too should be able to find a model that works for us-- not necessarily by copying anything Europe does exactly, but by sorting out what will work best for us. The money is there (Come on, the US economy is many times richer than what is needed for this); all that's lacking so far is the will to spend it.
December 29, 2006 9:17 AM | Reply | Permalink
I think Red Planet is closer to the mark than JPF on the lessons, and that has political implications. We know we're getting closer to health care legislation, as public opinion supports it, as more politicians are realizing they can gain from making it a priority, and as supporters will be better prepared for the industry smears that did in Hillary-care.
That means, in turn, that the GOP will do its best to sabotage it, knocking away at it with two goals in mind. If enacted, they'll want it to maintain sufficient handouts to their backers, and they'll also want it to be inefficient enough, as usual, so that government will fail. Think of how they went with prescription drugs under Medicare.
Thus, they'll certainly want something that falls into just the traps that Red Planet singles out, with excessive costs, and the costs will come from existing industry practice that the legislation should make unnecessary but generate income for existing GOP clients. So we shouldn't just think of it as a study in proper or improper funding. We should be prepared for a brand new enemy: GOP partners. It's going to be a good fight.
John
http://www.haberarts.com/
December 29, 2006 1:53 PM | Reply | Permalink
I have actually suggested on other threads about healthcare that the GOP will finally go along with universal healthcare (but not single payor) but will strive mightily to turn it into a gravy train for their corporate benefactors. A while back on Slate there was even an article about many GOP bigwigs buying stick in companies that would profit from universal health insurance. In fact, since many Democrats have the same corporate sponsors I would not be surprised to find the democrats joining that parade.
December 30, 2006 2:17 PM | Reply | Permalink
Alas, 'tis true.
Modern conservatism is not confined to the Republican Party. Many Democrats feed at the same trough (or long to).
December 30, 2006 8:43 PM | Reply | Permalink
If you have access to NYT Select, read Krugman's lucid editorial today:
"A Healthy New Year."
http://select.nytimes.com/2007/01/01/opinion/01krugman.html?hp
Here are a couple of quotes:
"Apologists for our system try to minimize the significance of these numbers [47 million uninsured]. Many of the uninsured, asserted the 2004 Economic Report of the President, “remain uninsured as a matter of choice.”
"And then you wake up. A scathing article in yesterday’s Los Angeles Times described how insurers refuse to cover anyone with even the slightest hint of a pre-existing condition. People have been denied insurance for reasons that range from childhood asthma to a “past bout of jock itch.”
"The only reason universal coverage seems hard to achieve here is the spectacular inefficiency of the U.S. health care system."
"...now is the time to warn against plans that try to cover the uninsured without taking on the fundamental sources of our health system’s inefficiency. What’s wrong with both the Massachusetts plan and Senator Wyden’s plan is that they don’t operate like Medicare; instead, they funnel the money through private insurance companies."
Krugman's on a roll.
January 1, 2007 11:56 AM | Reply | Permalink
I've been unemployed and I've also been a computer programmer for a health insurance company. Neither experience makes me want to have private insurers have anything more to do with healthcare.
January 2, 2007 11:55 AM | Reply | Permalink