It's no secret that I've been a staunch critic of President Obama's domestic policy agenda. His attempt to shove Obamacare down the throats of the American people tops my list of reasons to oppose him. I'm amazed that he and the Democrats have been successful in their attempts to fabricate a health care crisis. How can we have a crisis when most polls show that 85% of the American people are happy with their health care? There's no doubt that something should be done to control the cost of health care. The question is whether or not he should have made this his top priority when unemployment is at 9.7%.
The card has been dealt and so where do we go from here. I've often been asked why would the Democrats move forward in the face of strong public opposition to Obamacare? They see this as a once in a lifetime opportunity to move closer to the liberal utopia of universal, single payer health care. They have longed for the day when the federal government would take over health care and move it from the private sector to government control.
The Democrats have combined the need for reform with their desire to provide universal coverage. These are two separate issues. This debate started in during the 2008 campaign and we were led to believe that there were 46 million Americans uninsured. According to Blue Cross, approximately 14 million qualify for an existing government program such as Medicare and Medicaid but have chosen not to enroll. Another 13 million have incomes above $50,000 and could probably afford some type of coverage on their own. In addition, there are 6 million who are considered "short term uninsured" or people who are in between jobs. That leaves around 6-8 million people who are chronically uninsured. That's a far cry from 46 million. Nevertheless, the question we need to answer as a nation is whether we should blow up our entire health care system in order to insure those who fall into the chronically uninsured category? The President's allies have accused their critics as obstructionists with no real ideas or alternatives. Nothing could be further from the truth. I'm no expert in this public policy area, but even I have a plan that makes more sense.
Several of my friends have asked me to step up and give my vision of health care reform and so I’ve taken them up on the challenge. Here you go:
1) Health insurance should be easy, flexible and accessible like purchasing your car insurance. There should be plenty of competition across state lines. Your employee should provide a credit that YOU can use to purchase your own plan online. We shouldn't be forced to choose from just a few plans through our HR department. You should be able to customize your own plan, just like car insurance based on your family's needs. This would drive efficiencies in the delivery supply chain, which would lower costs.
2) Tort Reform- We should reform the laws concerning frivolous lawsuits. One of the reasons costs are out of control is because of the cost of malpractice insurance. Your doctor pays tens of thousands of dollars each year for insurance. They need to make up the cost by charging inflated rates for some services. This reform would lead to the biggest reduction in costs.
3) Young people in their 20's, who are relatively healthy do not need a traditional managed care health plan. They should have access to cheap catastrophic plans that they can tap into in case of an emergency. This would immediately cover most of the 6 million short-term uninsured who are in school or between jobs.
4) We need to change the law as it pertains to pre-existing conditions. People should not be prevented from purchasing health insurance or have their policy canceled because of a change in their status. This would lead to higher premiums, but those are costs that I'm sure some families would pay if they were just given the opportunity.
5) You would be left with 3-5 million families that truly need the government to pay their way. If that's the case, it would be far cheaper for the govt to provide a debit card with $300-400 per month to temporarily pay for their plan. That would amount to no more than $25-30 billion per year. Much cheaper than what President Obama is trying to push through!
Unfortunately, it looks like the Democrats are hellbent on ramming through their plan. If they were to take a step back and truly seek compromise, they would find that it is much wiser to fix health care in incremental steps. We still have the best health care system in the world. Leave it in the hands of the private sector.
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