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"Honey We Shrunk Your Inheritance"


How do you get people in the streets today?

If you get them in the streets how can you get fair media coverage?

In the 60s the draft focused the minds of us boomers regarding the war, the draft was key in getting us organized and in the streets. Draft resisting and marching for racial justice were natural matches. At first, the media marginalized the racial justice and anti war movements. Then middle class kids starting coming home in boxes and middle class kids started disappearing while organizing in the south. Media started to get on board, not a lot, but enough. Politicians started realizing they could get elected by standing for racial justice and against the war in Viet Nam.

It took a generation to forget what happens when we go to the other side of the planet and save a people from themselves. The warmongers got smarter after Viet Nam and sold the country on an "all volunteer" army. No more middle class moms and dads writing angry letters to their congressman because Johnny might get shipped home in a box after he got drafted.
They pulled off a war where there was no real effective outrage.

Today we have a situation in the US where, in three years, more Americans die because they have no health insurance than died in the Viet Nam war, and the American public doesn't even know it. This site: http://www.ninenineohnine.org/pages/Real_People has some great stats regarding unnecessary deaths because of no health insurance.
 
Based on year 2000 data there were 18,000 deaths in the US due to no health insurance. After 6 years of Bush, there were 22,000 deaths in the US due to no insurance [2006 data]. Bush sure has kept us safe. 22,000 minus 18,000 is about the number of people who died on 9/11, and thats just the comparison from one year under Clinton and one year under Bush.
In 3 years more Americans die in this country from lack of insurance than the 57,000 plus who died in Viet Nam from 1956 through 1973. Even if those figures are cut in half the situation is horrible.

So, how do we get people upset enough to do something that will make a difference? Face it, people dying because they have no health insurance doesn't get eyeballs on the commercials the way people dying in war or being beaten up because they wouldn't leave their seat in a lunch counter does. Since TV gets an amazing amount of advertising revenue from entrenched players in the health business, they are not going to be much help, at least initially.

In the 60s we were limited in the way we could get our messages out. We had guitars and mimeographs and passion. Today we have texting, cell phones, email, faxes, Youtube, Facebook, Myspace, blogs, Colbert, the Daily Show, Thom Hartmann, Randi Rhodes, Rachael Maddow, Keith O.
We have young people who wonder what the big deal is for their parents about race, gender inequality and sexual preference. They are way ahead of most of us, in the way we progressive boomers were in the 60s. What today's youth doesn't have is an experience of a government that works. For all its faults, the post WWII government in the US worked much better and cheaper than the private companies that have taken over way too many government functions.
Not having that experience of an effective government makes it even easier to just embrace resignation. "Why bother? It won't make a difference anyway."

So we have a travesty of a health access problem in America, more tools for information dissemination that ever in human history, more media access than in decades, a large percentage of young adults with very progressive attitudes and a resigned population who ironically would rather watch America's Biggest Loser than write their congressperson.

Ironically we even have 2 health delivery systems that could be great models for universal health coverage.  It amazes me that most people don't know we already have socially accepted single payer [Medicare] and socialized [the VA] medical care here today.
I would love to see some uberconservative try to get re-elected on a platform of getting rid of the VA health system and medicare.

Youth made the difference 40 years ago, youth can make the difference today.

So what is missing that would make a difference?

I would assert that relevance is missing for people in their 20s and 30s and even 40s. So how can you make health access relevant to them? When you are 50 and older, relevance is usually a given.

Maybe it will become relevant to younger America when a friend or parent dies because we don't have universal health care in this country. Then again, they might get really involved when they realize that their parents are spending the kids' inheritances on medical expenses.

That one could be a winner. "Honey, We Shrunk Your Inheritance". That might get them in the streets. You can get just about anyone's attention if you take their money away from them.
The system isn't just stealing young people's inheritance, it is stealing America's inheritance.

My wife and I are 58 and 60 years old and self employed. We pay $550 a month for $10,000 deductible PPO coverage, last year it was $454 a month. Both of us have pre-existing conditions that keep us from changing insurance. Even so we have paid in way more than we have taken out.  If I had the choice of paying $3000 more a year in taxes to have universal coverage with no exclusions or pay $6600 a year for the coverage we have, what do you think I would do? If we paid $6600 a year in taxes with little or no deductible, we would still be better off than we are now. I have to believe that the amount we pay into health insurance now as a nation would absolutely cover the whole country's health costs with a system like Medicare that delivers care for a fraction of the overhead of private insurance. The people who work in the front lines for the insurance companies could become civil servants. We could probably save enough for the whole shebang by not hiring upper managment after the switch.

It looks to me like we have almost everything in place to have universal health coverage. We just have to convince congress that not only is it their best interest to vote for universal health coverage, but they can get re-elected if they do. That convincing comes from enough of us letting them know that we want it and we'll toss them out if they don't listen to us.

I know that there is a 60 second Youtube video waiting to be made that could go viral and give the conversation for universal coverage unstoppable momentum. There is a bumper sticker so funny and so compelling that everyone will want one. There is a song that will make the most conservative old fart in America want to move to Canada so they can have universal health care there.

So get cracking, there is work to do.


[as a side note, this started as a post in another blog but started getting so big I thought i would write my very first blog of my own. As it is, it got out of hand. Thanks for getting far enough to read this. I am open to any suggestions or outright fawning adulation that might be out there. Thanks]




18 Comments

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Welcome to TPM, balilama! Good 1st post. I'll be watching for that bumper sticker...I love the creativity of reducing complex issues to just a few words!

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Many thanks, glad to be here.

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Highly rec'd bali! Love the title. It accurately reflects the reality a lot of young adults will see come to pass without reforming our current health care 'system' into single payer/universal. The only decision is really how much money we care to give to the insurance cos, pharma, and some specialized labs/providers before we get hip.

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What a great blog! Full of personal reminiscence, sane advice, and good questions. You're a wonderful addition here.

Some thoughts about this problem:

Young people are generally healthy and thus this problem may not be on their radar screen as often. And since the elderly have Medicare, most younger people don't have an experience, as Obama has, where a parent is burdened not just with a life-threatening illness, but the problem of paying to get it treated. Nevertheless, I think this financial melt-down, with so many losing insurance, if not their shirts as well, may change that. Young people are going to feel a sense that their future is not so bright - and they'll be looking for security in a number of ways. Plus they're voting Dem. So hopefully they'll get more engaged in this issue.

I also think that we in this country are burdened by the view that everyone can succeed if they just try hard enough. And thus that if people are not succeeding (and that includes becoming sick and not being able to pay for it), then they must not be trying hard enough. That sense of super-individualism and do-it-yourself-ism needs to change. (But it's fed by those who oppose universal health care.) This too may change as people realize that anyone can slip into destitution when the economy sheds jobs like there's no tomorrow.

I can see this health care problem is so pressing that blogs are spawning other blogs. Good!

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Thanks for the appreciation. I think for the most part the people who are "worker bees" in the insurance, lab and pharma sectors will still have jobs in a universal system. The million dollar plus crowd will have to find another trough to feed from [and I'm sure they will]

I agree that we need to shift the context of the national "rugged individualist" conversation. I am a professional artist [sculptor/jeweler]. In my arts community we have the most absurd conversation. While any one of us would gladly give another the proverbial shirt off our back, we don't want to ask for help ourselves because we don't want to bother our friends. When I hesitate to ask for help I am actually dishonoring my community because I am denying them the opportunity to make a difference in my life. How absurd. I think that this dynamic is not confined to my arts community but is a human conversation.

Maybe there is some juice around the fact that we deny people the chance to make a difference when we don't ask them to participate in our challenges. When did we decide that asking for assistance makes us look bad. Curse you Ayn Rand;-}

I think the "is health care a right or privilege?" question is helping to shift the national context. Soon, a bumper sticker that just says "Right or Privilege?" might resonate, who knows, it might already.
When enough people see access to health care as a civil rights issue, I think we will have hit the tipping point for universal health care.

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Is there any way to undo anything here if you make a mistake? I clicked on "recommend" thinking I would see who liked the blog and found out I recommended myself, How gauche.

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I used to do that with the blogs of others, just to see if the number had increased. It was a bad habit and the result was I've done that to myself a couple times. (I've since broken the habit altogether.) So far as I know, unless it's there in your dashboard, you'll just never know. (just checked. I was one!)

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Ok, now I understand how I got into that habit. Clicking there is the only way you know for sure if you rec'd something. (I think)

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So, what you're saying is that you are in favor of universal health insurance because it would result in a substantial taxpayer subsidy to you?

How Progressive.

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Actually, no. I would be paying a share in a much larger pool of insured. It helps for you to have been buying your own insurance for some time to get how this works. I don't think this comes up for people who are insured through their job, even though the dynamic is probably still there in the background.
When you first buy insurance you are put in a pool with, let's say 10,000 people for the sake of an illustration. I don't actually know how many were in our original pool. My understanding is that the claims for members of a pool are paid by the premiums paid by the other pool members. Each pool is a monetary entity to itself.
Then after a year or so, if you haven't made any claims, you will get a letter apologizing for the fact that health care has gotten more expensive and they are sorry. But because you are a good customer you can get coverage at about the same price with minimally reduced benefits. What is happening if I take them up on their offer is that I am joining a new 10,000 person pool of people from many other pools. My original pool now consists of 9,000 people. Their claims are paid by the premiums of the 9,000.
The process keeps continuing and the pool gets smaller and smaller while the premiums keep going up until no one can afford to remain in the pool. The business of health insurance companies is simple: avoid sick people, it is not in the business of delivering health care.
If you are in a pool that never gets smaller, or even keeps getting bigger, an individual's share/premiums of the claims in the pool will stay much smaller than the shrinking pool model. So I am not looking for a taxpayer subsidy at all. I am looking for a system that does not discriminate against people when they get ill.
I really think that if we took all the private health care premiums paid in this country, and used a model as efficient as medicare or the VA to deliver health care, we could cover everyone in the country. Medicare delivers care for somewhere between 3 and 5 cents on the dollar. Private insurance companies deliver care for between 30 and 50 cents on the buck. So for every billion dollars paid for private health insurance, we could get at least 250 million more dollars to pay for services and not overhead. That is figuring 5% for Medicare and 30% for private insurance. If my math is working, that means I could pay $4950 for the same coverage [hopefully with a lower deductible] that I now pay $6600 for. If I use the 3% and 50% figures I would pay $3102.
How's that for progressive?

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What I love, Baililama, is that there is not a shred of economic evidence that the existing system is better than universal, single payer health care - not anywhere, across the OECD nations, and hasn't been for years and years. Yet somehow, to propose a change to a system proven to save hundreds of billions, makes YOU the one who wants to suck the taxpayer dry, you the one who is somehow economically iliterate (or "greedy" somehow.)

When even McKinsey comes in and says, the existing system costs an extra $470-$700 billion a year (money which you could easily argue is the equivalent of a subsidy to the many beneficiaries in the insurance sector), you'd think there'd be at least SOME hesitation before slapping the same old labels on anyone presenting something new.

Guess not. Better to spend those extra hundreds of billions to confirm the faith of the system's defenders, eh?

Keep rockin', Balilama. They're firing blanks.

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Excellent points, quinn. And in addition to all of the above, the added stimulus of universal health care would provide a real shot in the arm to small businesses and family farms. How many people have good ideas or talents that they could develop into a small business except for the fact that they need employer-provided health insurance? The only way to protect oneself from higher premiums and co-pays once an illness has occurred is to remain in a large group (or pool). Even if you have a clean bill of health, your age or location can make insurance unaffordable.

Get rid of that problem, and have one large pool, consisting of young and old, healthy and unhealthy, and the risk is shared across the board, allowing for reasonable premiums and co-pays, and most of all: HEALTH CARE DOLLARS SPENT ON HEALTH CARE!!!! (Not on advertising, bureaucratic paper-pushing, and the necessity of making a profit for no services rendered)

I was in a hardware store the other day, and a man was describing a steam-driven car that he is building. It sounded interesting, but the main thing was hearing his enthusiasm for his idea. I don't know if he would even want to try to strike out on his own, but it made me think about how hard it would be. I know artists and artisans who work as teachers aides solely for the benefits, as their talents get left behind.

How many people have ideas that they might develop if they could not have the spectre of illness or injury and ultimately, banckruptcy hanging over them? I know people who have gotten married because of health benefits, and others who have stayed married when they no longer even live together because of health insurance.

Who knows, but I feel certain that expecting big industries to save our economy is a mistake. They take their profits and do mergers, producing a net loss of jobs; they buy toys and party rather than plowing money back into their industries. Forget the bail-outs -- they are not the solution; they are a huge part of the problem.

We need grass-root entrepreneurship to turn things around, and fixing the health-care crisis is the place to start.

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It's a boomer thang.

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BTW, "younger-than-boomer." What exactly have YOU accomplished, ohhhhh, these 20 years? Hurrrrm, lemme see.... wel, the whiz kids in the financial industry certainly produced a wave of innovation... That "War" thing certainly got tossed into the dustbin of history by you youngsters... CO2 is down, health care is up...

Gratuitous slagging off of generations is a bit of a waste of breath, no?

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I tell ya to post and you already posted behind my back. And this time it was ok to recommend yourself
because I would have recommended you twice!!!!

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Health care is for pussies.


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Bumper Sticker Candidate:

MY GRANDPARENTS STARTED THE IRAQ WAR AND ALL I GOT WAS THIS CRUMMY TAX BILL!

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I love it!

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thebalilama

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