
" Glad you're feeling better. That will be $83,000 please."
It makes me slightly hopeful that powerful interest groups agree there is a problem with health care in this country, but their particular proposals doesn't seem to be all that sweeping. As Ezra Klein notes:
This supergroup combining legendarily malicious actors with a couple genuine do-gooders appears to think their latest pact for covering the uninsured ranks somewhere between the Yalta conference and the Treaty of Paris. I must disagree. The plan, as composed, offers three phases for coverage expansion. Phase I insures the kids, gives states some money to experiment, and offers some new tax credits. Phase II we "give the states the option to expand Medicaid eligibility to all adults...below the poverty line." Ohreallycanweplease!? Then it offers subsidies to buy private care.
This is what I'll call an unacceptable plan. It uses the cover of universality -- and I'm not even sure it achieves that -- to sacrifice the necessary, more fundamental reforms needed to make our health system better, fairer, more affordable, more efficient, more humane, and less damaging to personal freedom and autonomy. It is the industry's way of pretending to be part of the reform conversation, and it signals their fear of more substantive changes. That AARP and Families USA jumped on board to offer cover is incomprehensible -- those organizations know better, and they should act better.
That's about right. It sounds radical to say it right now, but the private health insurance industry needs to be eliminated. At the very least, it needs to be much more tightly regulated. They spend a shitload of money strictly on administrative cost- depending on whose figures you believe the average private insurer spends 10-20% on administrative costs, compared to Medicare's 2-5%. That extra money goes to paper shufflers who can't answer your questions and pricks who make their living figuring out increasingly Kafka-esque ways of denying coverage.
"We can't process your claim until you fill this form out in triplicate, recite the Gettyburg Address in Swahili and give me a hot stone massage."
These institutions are designed by masochists- they're almost trying to make people revolt and eventually they're going to get one. We need a Robespierre for the health care industry. The beheadings will have to be metaphorical, but we can fantasize otherwise.
"Let them eat pre-existing condition."