Obamacare UNaffordable

I watched the physicians, Margaret Flowers and Jill Stein on Moyers & Company yesterday. I was struck by several of the points Dr. Flowers made. I found the following information on a blog entry she posted.

“Insurance companies have a long history in the US of skirting regulations that interfere with profits. So, while insurers can’t exclude sick people, they can avoid areas where there are sick people. For example, several of the large insurance companies are selling plans on only a small number of exchanges, preferring to sell plans mostly to businesses instead. And companies that sell plans on the exchanges are restricting their networks. They avoid hospitals that care for complicated patients and keep the number of doctors in their plans low, making it more likely that people will have to go out of network and pay more of the costs of care.

And while companies can’t charge more to people with health problems as individuals, they can charge up to three times more based on age and can charge more in geographic areas where the population has more health problems or the costs of care are higher. It is expected that if a company finds they can’t make enough profit in a particular area, they can just pull their plans from that area. These are some of the most obvious ways that insurers will game the system. The largest insurance companies assisted with writing the law and then with the regulations that accompanied it, so we will see what other tactics they employ as time goes on.

The new health system is complex by design because that inhibits transparency and accountability. Imagine what we would be seeing right now if instead of the ACA, we had passed HR 676, also known as Expanded and Improved Medicare for All. This would have created a single publicly funded non-profit universal and comprehensive national health insurance. Overnight, everyone living in the US would be eligible for care without financial barriers. Any person who showed up to a health facility for care would be admitted because they would be automatically enrolled. Every person would have the right to receive the care they need rather than the care they can afford.

Some people believe that the ACA is a step towards a Medicare for all health system, but it actually takes us towards greater privatisation of our health system which is the opposite direction. Over a trillion dollars of public funds will go directly to private insurance companies to subsidise the purchase of inadequate health plans. Nothing was done to stem the tide of large health corporations that are acquiring and consolidating health facilities. And since the ACA was passed in 2010, our public insurances, Medicaid and Medicare, have become more privatised. Private Managed Care organizations are taking over Medicaid plans. And Medicare Advantage plans, private insurance plans that are more expensive than traditional Medicare, were supposed to be curtailed by the ACA but have actually grown by more than 30 percent.

We have not changed the fundamental problem with the health care system in the US: that health care is treated as a commodity to be bought on the market rather than as a good that all people need. In fact, the dominant message in the mass media is that the ACA has created a health insurance marketplace as if this is a good thing for patients. The United States is the only industrialized nation that uses a market-based health system and it has clearly failed. The US spends the most by far on health care and has low life expectancies and poor health outcomes to show for it. I often say that if our health system was a medical experiment, it would have to be stopped for ethical reasons.

Perhaps television comedian Jon Stewart summed it up the best when he recently said, “I don’t understand the idea of staying with a market-based solution for a problem where people can’t be smart consumers. There are too many externalities in health care that I honestly don’t understand, why businesses would jump at the chance to decouple health insurance from their responsibility, and why the government wouldn’t jump at the chance to create a single-payer that simplifies this whole gobbledegook and creates the program that I think America deserves.”

Only a single payer, Medicare for all health system will begin to correct the many problems with the health care system in the United States. Grassroots groups across the country continue to organize support for Medicare for all. And just as similar groups did in Canada and Mexico, we believe that one day we will succeed as well. We aspire to join the ranks of civilised countries who understand that a healthy population makes a better society and is best achieved through national health insurance.”

Margaret Flowers, MD, served as Congressional Fellow for Physicians for a National Health Program and is on the board of Healthcare-Now. She is co-director of It’s Our Economy and co-host of Clearing the FOG Radio Show. Follow her on Twitter: @MFlowers8

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About elroyjones

Married, no children, responsibly self-directed, living happily.
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16 Responses to Obamacare UNaffordable

  1. We are all going to die some day, aren’t we?

  2. Great post! My only question is if you think we could ever get that passed through Congress? I absolutely see the benefits of a single-payer system, and I agree that this would end up being the best solution for the major problems with the U.S. heath care system (and will hopefully one day end up being the solution), but seeing the massive backlash against the ACA makes me discouraged about the prospects of a Medicare-for-All proposal. Even though the ACA is in no way the “government-run” health care system that so many (Republicans) have made it out to be, just this small, insignificant increase in the involvement of government in the health care system has caused an unwarranted panic among so many people…if they think Obamacare is a ‘government takeover’, I can’t imagine what would be said about a universal system! I have generally been supportive of the ACA because it does improve upon some aspects of the current system, but it does not address all of the problems we have; basically, I support the small step forward but would be even more supportive of a bigger step forward. However, given the current partisanship in Washington and the rise of the extreme conservative movement, I just worry that we will never get there, and I wonder what it would take to get us there.
    Anyway, my main point was to say that I enjoyed your post, and you now have a new follower 🙂

    • elroyjones says:

      We are in a dangerous place where corporations continue to run the country to the detriment of the People. It is shameful that we are the only industrialized nation to refuse a one payer system.
      I voted for Obama twice. I understand that the office of the POTUS is largely ornamental and that it is bought and paid for on Wall St. We have a system of checks and balances that is meaningless because the people involved in all three branches of government are controlled by the same interests and none of those interests are for the ordinary individuals in this country.
      I believe if we could get the average citizen involved there would be no stopping us from improving our way of life and living in a society that is just, free, and peaceful. Other countries have achieved those goals and there is no reason we can’t attain them as well.
      Thank you for your comment and the follow.

  3. Yeah, but insurance companies are people too.

  4. Pingback: HUNTER: His plan is to destroy America’s private health care industry

  5. epiwah says:

    Imagine it! A single payor plan that is administered by contractors that are replaced every 5 years – like now. Every 5 years could be a new set of problems and administrators at the bottom of the learning curve. The US cost minimization strategy is poor at best – see the new healthcare.gov
    website if you need an example.

    • elroyjones says:

      Good to hear from you. I don’t doubt that Obama had good intentions with universal healthcare but as you so deftly articulated the problems will continue in cycles into the future.
      I am also concerned by the personal information that is required on a website that has so many weaknesses.

      • epiwah says:

        My wife’s insurance, once better than mine, has changed to a high deductible plan. Basically, she will never get any benefit from the insurance unless she has a near death experience. This is happening to a lot of angry people. I wouldn’t be surprised if a lot of those people opt out of paying something for nothing.

      • elroyjones says:

        There is no enforceable penalty for those who choose not to enroll. My husband and I have chosen the murder suicide insurance option. Insurance costs for us are prohibitive and they have not improved with the “choices” available in this state where there are only 2 insurance carriers in the “market”.

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