Friday, November 07, 2008

Change.gov - Healthcare

Agenda #3 - Providing Health Care for All
Before i even click on the link, i have to ask myself... who is "all"? Because i have no interest in providing health care for the entire world, i don't even believe that it's the government's job to provide health care for me. i remember how everyone in my State and Local Government class thought it was a great idea, and then i told them how, when Joshua had a swelling on his head last Christmas, when my sister/his mother took him in, the government didn't want to pay for the tests that he needed to ensure that there was nothing horribly wrong and that he wasn't getting brain damage. Joshua's father is in the Army and all of his healthcare is courtesy of the U.S. government.
"On health care reform, the American people are too often offered two extremes - government-run health care with higher taxes or letting the insurance companies operate without rules. Barack Obama and Joe Biden believe both of these extremes are wrong, and that’s why they’ve proposed a plan that strengthens employer coverage, makes insurance companies accountable and ensures patient choice of doctor and care without government interference...Under the Obama-Biden plan, patients will be able to make health care decisions with their doctors, instead of being blocked by insurance company bureaucrats."
This is ludicrous, those of us who are against federalizing health care are not asking for no rules, we're asking for less rules, particularly those who are harmful to the quality of the care we receive as a result. They seem to have a pipe dream about what federalized healthcare will mean, which tells me that they are either ignorant or lying through those smiles. What they are telling us is not how federalized healthcare works, look at the systems in Europe for proof.
"Make Health Insurance Work for People and Businesses - Not Just Insurance and Drug Companies."
Okay, this seems to be a very common fallacy; it has to do with the economy, something which healthcare is part of. Thoreau wrote about this a little, how someone cannot simply make a product and assume that people will buy it, they have to make something useful and worthwhile. This is also true of healthcare: if they are going to try to sell immunizations for bubonic plague this fall, not many people are going to pay for that, because no one needs it. So the drug companies make the Flu Vaccine instead, for a disease that has not virtually died out and people deal with all around the world every year.

All businesses work this way. i'm sure there are some individuals out there who are doing anything they can to make a product, but Insurance Companies--like every other business--are providing a service to us, and you're not going to pay for a service that doesn't provide for your needs. At least i won't. Why would i want to throw my money away like that? Insurance companies need to be meeting the needs of the people, not the government, and last i checked the government is not meeting my needs because it's too busy sticking its nose where it doesn't belong.

Now, on face value, the next statement sounds well and good:
"Require insurance companies to cover pre-existing conditions so all Americans regardless of their health status or history can get comprehensive benefits at fair and stable premiums."
However, this displays ignorance about how Insurance works. Insurance companies have to decide how risky a patient is. If the person has a pre-existing and very expensive condition they are either going to charge a lot of money or not cover a person at all. In the same way, who are they going to charge? There is only two choices available, they must either charge the risky person more, thus negating the benefits of having insurance in the first place, or they must charge everyone (that is to say, everyone who buys their insurance) more. It's a lose lose situation: either people will realize that they're paying too much and have to discontinue their policy (further adding to the problem) or this Nameless Insurance Company is going to have to eat the difference themselves and eventually go bankrupt. The way that Obama's ideology works would most likely indicate that healthcare will be federalized, everyone will pay the same amount in taxes, and in another redistribution of wealth the people who are too sick to work will reap the greatest benefits. i am no economist, but this isn't rocket science (to combine figures of speech, lol).

Interestingly enough:
"Lower drug costs by allowing the importation of safe medicines from other developed countries, increasing the use of generic drugs in public programs and taking on drug companies that block cheaper generic medicines from the market."
So we're going to import cheap drugs, then slap a tax on it, thus negating the cheap price. After all, the policy on the Economy page states:
"End Tax Breaks for Companies that Send Jobs Overseas."
And now, the kicker, they finally tell you how they're going to foot the bill:
"A Commitment to Fiscal Responsibility: Barack Obama will pay for his $50 - $65 billion health care reform effort by rolling back the Bush tax cuts for Americans earning more than $250,000 per year and retaining the estate tax at its 2009 level."
Need i say more?

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