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What's Wrong With Universal Access to Healthcare?

There seems to be an odd debate going on here about whose plan is more "Universal" than others.  In my opionion, neither Obama's plan nor Clinon's plan reaches the Nirvana of Universal Healthcare.  To me, that can only be reached if we are willing to go to a taxpayer-financed, single-payer solution.  While I believe that this is the best solution, my sense of where we are is that there is a snowball's chance in hell of this getting enacted - no matter who is elected president.

Accordingly, what is wrong with Universal Access to Healthcare?  I think that it is much more attainable in the end to say that we will make healthcare more affordable by attacking the administrative overhead that continues to drive up healthcare costs while adding no value to the process.  Additionally, we can toughen insurance industry regulations to mandate that they cannot deny coverage based on pre-existing condtions.  Finally, we can open up the federal insurance to make it available to everyone.

Again, I know it's not the ideal solution, but it sure seems to be to be a step in the right direction.

I appreciate (in advance) your feedback and analysis on this topic.


Comments (13)

what does universal access mean?

In essence that everyone can have "access" to affordable healthcare... IMO, this could be done by (1) Not allowing insurance companies to deny policies and claims based on pre-existing conditions; (2) Opening up the federal plans to people that want to buy into them (e.g., the Senate plan); (3) Expanding SCHIP and (4) providing tax incentives and/or healhcare "grants" to low income people who still could not afford insurance otherwise.

Again, still not the nirvana of a single-payer plan, but I would think that such items would be ultimately more implementable...

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That is exactly what Clinton's plan does - it opens the door to everyone having the option to purchase the federal govt. workers' health plan.

There are three options in her health plan - purchase your own, purchase the employer plan or purchase the govt workers' plan. The contribution is collected just like SS or Medicare contributions, unlike private insurance which is paid directly to the insurer by the individual.

Bev,

Thanks for that clarification; however, what is the rationale for not going "all the way" to single-payer if the government is going to collect the fees anyway? Even in a single-payer system one could outsource the claims processing functions...

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The simple reasons for not switching immediately to universal health care is that it wouldn' be prudent. To switch from privatized health care to universal health care will cause disruption in the financial sector, throw thousands upon thousands of people out of jobs and slow investment income to the insurance industry. If it is achieved in stages, while we will still feel the fallout economically, it will be a little more palatable to all parties involved. It makes better sense to plan and move incrementally.

That's an over-simplification of Clinton's plan, and fails to mention the mandates included. With HRC's plan, it isn't "access" it's forced participation. Obama's plan does everything Bev says too. BOTH open up the federal plan. Hillary Clinton (who just happens to take more money from the insurance industry than any other candidate in HISTORY) makes it illegal for you not to pay the insurance corporations.

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It is mandated EXACTLY in the same way as Social Security and Medicare are mandated. You do not get to pick and choose which taxes you want to pay. Even with a universal health care plan, the employee/employer will still be mandated to contribute a part of wages in the form of taxes to the government for health care premiums.

Obama's plan does not mandate participation which leaves the door open to those who choose to participate only when they are sick. That is inherently unfair and impractical. Like Social Security, we all participate in paying for it now in order to guarantee current and future payments.

There is no such thing as garnishment of wages or wage "attachments" - it is employer collected and remitted just as all taxes are.

You left out two things: The part about wage attachments, and how her policy actually serves as a mandatory subsidy (welfare, actually) for the health insurance industry.

The ultimate goal is indeed a universal, single-payer "Medicare for everyone" system. We're not going to get there in one step.

Let's start with making access both affordable and open. At least to the point that a sudden severe illness or injury doesn't mean bankruptcy for those who are not either well-covered or independently wealthy. DQ-ing people based on "preexisting conditions" gets outlawed. Prescription prices need to be brought under control, and access to regular preventive care has to be far easier and much less costly.

I at least like Obama's idea of negotiating in broad daylight. Too many things go on behind closed doors, too easy to sweep dirt under the carpet. The trick is going to be keeping the public's interest focused - never an easy undertaking.

From there, we go forward, as it's not by any means an end-state so much as a way-station. The goal is health care as a basic human right. We just have to be clear enough to realize that "all at once" isn't going to happen, much as we'd all wish it did.

Despite the emphasis on instant gratification at large today, incremental, evolutionary progress tends to be much more durable. And remember, steps forward go from your previous gains.

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Any health insurance plan that lets anyone opt out will wind up costing us more. The ones most likely to opt out are young, healthy workers, and if healthy folks aren't contributing to the pot then the cost of healthcare will fall heavier on everyone else.

I really like Obama except for this one point. I'd really like to see a coalition of Obama supporters who will speak out on this. I, for one, have emailed his campaign that I like Obama, but I won't contribute financially unless he supports mandatory health insurance for all.

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Here's a question for those who support the Clinton plan. I've gone over every bit of information on the Clinton web site and downloaded the .pdf document that is her plan and this question is not answered.

With regard to opening the Federal employees health plan to all Americans, does Clinton intend for the Federal government to provide the same subsidy that Federal employees get? Or is it simply unsubsidized access to the plan? The difference is enormous. For a typical family plan for Federal employees the employee cost is about $300/mo year whereas the total cost of the plan is about $1100/year with the Federal government kicking in the other $800/mo as an employee benefit.

Nothing I see on Clinton's web site suggests that she intends to provide a $800/mo subsidy to individuals who elect the Federal plan. Presumably they would either get no subsidy, or whatever their employer chose to subsidize.

Now the Clinton plan does talk about tax credits but there are absolutely no numbers. An $800/mo tax credit is a pretty hefty tax credit. Most middle class workers don't even pay that much in total taxes.

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Any health insurance plan that lets anyone opt out will wind up costing us more. The ones most likely to opt out are young, healthy workers, and if healthy folks aren't contributing to the pot then the cost of healthcare will fall heavier on everyone else.

Perhaps so, but ask yourself is this fair? Young workers are generally the lowest paid workers in any profession. Why is it their responsibility to "subsidize" health care coverage for older workers and those with families who are probably earning much more money? At least with a single payer system the burden of subsidizing coverage for the older and infirm falls on those with the greatest ability to pay if it is funded with a payroll tax like social security or medicare.

Thanks to everyone for the feedback.

Sounds like we all agree (thus far) that Single Payer should be the ultimate goal. Further, I don't see anyone disagreeing that it is unlikely to happen anytime soon...

Thus, I think the imperative is that we at least make healthcare attainable to everyone. I'm not sure that it will be possible to "mandate" coverage (even Obama's "Child Mandate")... Just think that the Republicans and the Insurance Industry will single that point out to kill any package.

I agree with wholeheartedly with The Old Grouch that this has to be incremental and that criminalizing the denial of service to people with pre-existing conditions is the first place to start. In parallel we open up the Federal Employees Health Plan to all that want to opt in (businesses and indviduals). Texaslib has a great point though - how can this be made affordable to those who are not subsidized by an employer? $1100 month is still not very affordable for the average family... Greater economics whiz's than me will have to figure that one out :-\

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