FacebookTwitterRedditEmail

“Affordable” Health Insurance vs Health Care

This is really the crux of the issue and is the divide we need to emphasize in our next round of fixing the Democratic Party.

There is no such thing as affordable health insurance, because on a purely moral basis, no one should have to pay for administration costs to deny coverage,  and to generate a profit for such a universal basic human need.

Insurance 101 teaches us that making small regular payments to build up a buffer for a large emergency expense is a good and prudent idea, even if that large expense never materializes. On a personal level this is called self-insurance. So why don’t we all just insure ourselves? Clearly, the wages most people make, and the costs of modern health care, do not balance out. A group of people making regular payments can pay for a wide array of services for the entire group, including a few very expensive ones, as long as there are some very healthy people paying in to build up a large enough fund. Additionally, a large fund can be managed professionally to generate interest through short term investments to help grow the fund. The larger the group, the better this works.

The largest group we have in the US is the entire population, from infants to elders. For-profit insurance divides this larger group and attempts to cherry pick healthy members to avoid the most expensive cases. Government subsidies designed to cover the least desirable members for the industry go to the industry, not the patients. The ACA, for all of its immediate benefits for a small subset of the population is a Heritage Foundation, right/moderate-republican wing plan that should be called RomneyCare. The efforts of Max Baucus in heading the ACA creation, who was allowed by Barack Obama to ignore any kind of public option, were directly supported by the Health Insurance and Drug lobbies to maintain their stranglehold on Health Care in America.

Health Care is the delivery of services to those in need. Progressive services include wellness education and prevention. They can bring the total group expenses down, but nothing can reduce the costs as well as removing wasteful administration and profit. Large non-profit health groups keep administration at less than 3% of costs compared to 35% overhead and profit of many pre ACA plans, and the 20% cap with the ACA.

There is nothing new about universal non-profit Health Care, except in the US. Every other major country has it and in many places for-profit health insurance is illegal.

The term litmus test to choose candidates is cliché and actually debases the argument to one of political correctness of choice. Logic, reason, and the very basis of Capitalist thought says that a more efficient, better quality service or product will beat the competition and creative destruction will sweep away the weaker player. A 40% cheaper product that works for everyone and provides improved outcomes is the hands-down winner. The way we pay for it? We stop paying for insurance. Single payer, Medicare for All,  is the first cleaver to divide the 2020 candidate field.

A second cleaver is to find candidates willing to improve overall well-being by stopping killing hundreds of thousands, and maiming millions of foreigners with our war-making. How’s that for a Health plan?

More articles by:
bernie-the-sandernistas-cover-344x550
February 26, 2020
Matthew Hoh
Heaven Protect Us From Men Who Live the Illusion of Danger: Pete Buttigieg and the US Military
Jefferson Morley
How the US Intelligence Community is Interfering in the 2020 Elections
Patrick Cockburn
With Wikileaks, Julian Assange Did What All Journalists Should Do
Manuel García, Jr.
Climate Change and Voting 2020
Kollibri terre Sonnenblume
Russiagate: The Toxic Gift That Keeps on Giving
Andrew Bacevich
Going Off-Script in the Age of Trump
Jeremy Kuzmarov
Anti-Russian Xenophobia Reaches Ridiculous Levels
Ted Rall
Don’t Worry, Centrists. Bernie Isn’t Radical.
George Wuerthner
Whatever Happened to the Greater Yellowstone Coalition?
Scott Tucker
Democratic Socialism in the Twenty-First Century
Jonah Raskin
The Call of the Wild (2020): A Cinematic Fairy Tale for the Age of Environmental Disaster
George Ochenski
Why We Shouldn’t Run Government Like a Business
Binoy Kampmark
Julian Assange and the Imperium’s Face: Day One of the Extradition Hearings
Nozomi Hayase
Assange’s Extradition Hearing Reveals Trump’s War on Free Press Is Targeting WikiLeaks Publisher
Peter Harrison
Is It as Impossible to Build Jerusalem as It is to Escape Babylon? (Part Two)
Max Moran
Meet Brad Karp, the Top Lawyer Bankrolling the Democrats
David Swanson
Nonviolent Action for Peace
Ed Sanders
The Ex-Terr GooGoo Eyes “The Russkies Did it!” Plot
February 25, 2020
Michael Hudson
The Democrats’ Quandary: In a Struggle Between Oligarchy and Democracy, Something Must Give
Paul Street
The “Liberal” Media’s Propaganda War on Bernie Sanders
Sheldon Richman
The Non-Intervention Principle
Nicholas Levis
The Real Meaning of Red Scare 3.0
John Feffer
Cleaning Up Trump’s Global Mess
David Swanson
How Are We Going to Pay for Saving Trillions of Dollars?
Ralph Nader
Three Major News Stories That Need To Be Exposed
John Eskow
What Will You Do If the Democrats Steal It from Sanders?
Dean Baker
What If Buttigieg Said That He Doesn’t Accept the “Fashionable” View That Climate Change is a Problem?
Jack Rasmus
The Nevada Caucus and the Desperation of Democrat Elites
Howard Lisnoff
The Powerful Are Going After Jane Fonda Again
Binoy Kampmark
Viral Losses: Australian Universities, Coronavirus and Greed
John W. Whitehead
Gun-Toting Cops Endanger Students and Turn Schools into Prisons
Marshall Sahlins
David Brooks, Public Intellectual
February 24, 2020
Stephen Corry
New Deal for Nature: Paying the Emperor to Fence the Wind
M. K. Bhadrakumar
How India’s Modi is Playing on Trump’s Ego to His Advantage
Jennifer Matsui
Tycoon Battle-Bots Battle Bernie
Robert Fisk
There’s Little Chance for Change in Lebanon, Except for More Suffering
Rob Wallace
Connecting the Coronavirus to Agriculture
Bill Spence
Burning the Future: the Growing Anger of Young Australians
Eleanor Eagan
As the Primary Race Heats Up, Candidates Forget Principled Campaign Finance Stands
Binoy Kampmark
The Priorities of General Motors: Ditching Holden
George Wuerthner
Trojan Horse Timber Sales on the Bitterroot
Rick Meis
Public Lands “Collaboration” is Lousy Management
David Swanson
Bloomberg Has Spent Enough to Give a Nickel to Every Person Whose Life He’s Ever Damaged
Peter Cohen
What Tomorrow May Bring: Politics of the People
Peter Harrison
Is It as Impossible to Build Jerusalem as It is to Escape Babylon?
FacebookTwitterRedditEmail