I have had a lot of interesting questions and thoughts and discussions stemming from yesterday’s post. I wanted to continue the discussion here, because I think there are some really important things to be touched on.
One thing that I grasp better than ever now is this: you CAN be that one unlucky person. The person who loses their job, loses their health insurance… and then gets really sick. It’s probably not very likely. But it happens to someone out there. It could just as easily be me. I see a lot of people willing to gamble, and it terrifies me… it terrifies me that some people don’t seem to grasp how serious it can be until it happens to them. I want a safety net there. Even though Den has a very reliable job, as do I, it still freaks me out.
In any form of social support such as Welfare and a medical insurance for those who cannot afford/access other forms of health insurance you will hear the same debate back and forth about fairness. Why should we have to support people who are lazy asses and don’t work, who abuse the system? The simple answer is… we shouldn’t have to. Even I wholeheartedly agree with that. However, when you start making judgments about who is deserving and who isn’t you get into the very murky path that the right-wing is throwing around of a panel sitting there judging who is allowed and who isn’t. That means deserving people will get judged and left out. Because there ARE people who honestly need the help. There are single parents out there who desperately need Welfare to get back on their feet and support their family, and there are people who are trying very hard but can’t find a job. This is a problem that has no good answers. By weeding out the “bad” you take the chance of denying help to those who really need it. By helping everyone you’re swallowing a bitter pill know that there are people receiving free help who don’t deserve it.
Honestly, despite my thinking it would be a good thing overall, I really don’t see the United States adopting a single-payer system anytime soon – I don’t think the majority of America wants it. This is a democracy, after all. But most people agree that what we have now has some serious flaws and needs reform. Which means the United States is going to have to get creative. I think we all have a common goal here, which is making sure that we are taken care of. Universal health care has a lot of benefits, but today I want to take a step back and look at the specific needs and goals. Maybe we can find something other than universal health care that helps fix what’s broken. Also I think we should think about the downsides of a universal healthcare system, the very things that people are afraid of. Let’s add that to our list as well.
* Lower costs. Premiums and copays keep going up at the same time as insurance covers less. First thing I see is stopping the insurance companies from making millions of money and putting that money back into the system to help people. Then we need to reduce administrative costs, redundancy, and all the overhead that adds up to more money out of our pockets that is not being used to help treat us. Healthcare is costing us far more than it should.
* Stop restricting access to insurance and coverage. This means removing pre-existing conditions. This also means giving us more options to different insurance plans. How many employers offer only one insurance company? (Mine does.) Technically I could choose to get an individual plan with whatever insurance company I wanted… but, again, the costs of doing that are prohibitive. Also this means closing loopholes and preventing insurance companies from being assholes with things like months later, decide to not cover something you already had done.
* Patient choice in doctors. Even in a single-payer system I believe this is a requirement, absolutely.
* Remove the burden from the employers. They shouldn’t be shouldering this. We should have equal access to insurance whether we’re employed by a huge corporation, a small start-up company, or self-employed.
* Create a safety net. Everyone, no matter what their level of income, should be able to provide their families with insurance at a rate they can afford – GOOD insurance, not just a bare-minimum consolation prize. I want to know that if my life went to hell and I lost everything, at least I could still get my medical needs taken care of.
* Protect doctors. This means giving them a fair wage and it means protecting them from frivolous lawsuits, which drives costs way, way up. (Of course there needs to be recourse for true malpractice – it certainly does exist – but doctors shouldn’t need to have huge insurance costs to protect themselves from idiots. And there are lots of idiots.)
* Encourage new doctors and keep the ones we have. We need to make sure there are enough doctors to provide care to all the people who need it. Medical school is ridiculously expensive, which means doctors have to charge a lot to pay off their student loans. Maybe the government should start looking at helping students get their degrees – both to ensure we continue to get new doctors, and to help lower costs. Everyone’s concerned about wait times – this is what we’re going to need to prevent that from happening.
And finally there is one big thing that almost every American I talk to insists on: CHOICE. I think the new American system is going to need to be built around that idea. We may be paying far too much and insurance companies drive us all nuts with their rules and paperwork and run-arounds, but America loves having options and doesn’t want to be forced into any kind of one-size-fits-all plan. I don’t entirely think it’s a bad thing, either. Which is why I think the current proposal of a public option is a really good one. For all the people who think that the government will fuck up royally and can’t be trusted to manage their health care, they can stay with a private insurance company. But the government plan will be available if you want it or need it. But I don’t want to see the public option only being available to people who can’t get private insurance – again, we want CHOICE. *I* want to be able to choose the government-run plan if the insurance companies are screwing me over. I don’t want to be forced into private insurance any more than the other side wants to be forced into a government-run plan, and I think that’s only fair.
Are there a lot of questions? Oh hell yeah. It’s much easier to mull around about the problems than to come up with a viable solution – especially one that pleases the vast majority. I’ll be keeping my checklist at hand to make sure that what sounds like a good idea doesn’t start to miss all the important steps. The situation in the United States is not going to have a simple answer and there is going to be a lot of growing pains. I hope, and I really do believe, that this country can come up with something good. And in order to do that we ALL need to sit down and have a heartfelt discussion. We’re all scared of something – which is why emotions and tempers run so high. We all have differing opinions on how to get there, but our goal is the same: to get the best healthcare we can have.