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Friday, March 19. 2010How Does Dems' Health-Care Reform Bill Reduce Deficit?Trackbacks
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Unbelievable. If you buy this crap, I have a Uranium mine in the Everglades for sale.
How is this "unbelievable"? Your tax dollars (federal money) funds emergency room care. Many people without insurance or insufficient insurance clog up ER's because they are required by law to care for those patients even if they have no insurance. In addition, most of these people wait until they have catastrophic injuries or situations before they go to the ER. Catastrophic injuries are many times more expensive to care for than the primary care that could have avoided catastrophy, and those costs fall on the taxpayer through ER's ( e.g. a diabetic who could have managed his/her diet and sugar levels better with proper primary / preventative care, but didn't, and must now have a foot amputated in the ER or has kidney failure and is on dialysis monthly the rest of their life - these are real consequences of diabetes). There is no government take over here, btw, only government regulation of what is ethical. With this reform, people buy PRIVATE insurance and can see doctors in a PRIVATE setting rather than in a publicly funded ER. Therefore these costs do not fall to taxpayers or increase the deficit. Millions of people that are no longer in the ER will now be in private facilities so that reduces the deficit. Clear? Results will not be as obvious immediately because preventative care takes time and reversing a backwards system takes time. No unicorns here. Just restructuring of the system.
Something like 75% - 85% of all emergency-room visits come from people with insurance coverage.
You -- and other proponents of this bill -- vastly overrate the savings assumed by an increase in insurance coverage in this particular area of emergency care. This legislation will increase the deficit -- and by much larger amounts -- than is currently being acknowledged by its advocates. It currently does nothing, or very little, to address the underlying cost inflation of health care. But it does increase those guaranteed insurance by 30 million people -- without figuring out a real way to pay for it. Not a good thing to do considering the entitlement explosion we face in the very near term...
That's an amazing amount of BS. I've been to the emergency room with no insurance. I got a shot for pain, a catscan, a referral to a specialist, and a $9000 bill in the mail. Emergency rooms have to care for you regardless but that doesn't mean you don't have to pay for it or that the govt picks up the tab and that seems to be what his entire argument is.
Any politician that claims they are going to save money in the long run through taking the corruption and waste out of something (especially a big money program) is either lying, or an idiot. The longer the programs go on, the more corruption and waste gets attached to them. Medicare is bankrupt, social security is bankrupt, prescription drug plan is bankrupt. And there is no way to pay for it. You could tax every amarican 100% of their wages and you couldn't pay for it. They're unfilled obligations are larger than the entire money supply. Now they want to pass something new and compare it to those? I'm not on board.
It's simple math - and a good investment because it saves lives. Without this bill, healthcare would cost $138 billion more than without the healthcare bill.
First off, my only argument was that the comments like "Unicorns! Cotton-candy clouds!! Magic ponies!!!" and "Beam me up" in response to Clyburn's quote were unjustified. Sure, it is far from the whole picture and far from the entire argument that one might make to support this reform, but it is not hocus pocus or nonsense.
You can argue that the positive effect of a shift from the ER to elsewhere will not entirely offset the total costs of the reform (of course it wont, it is one single effect of many that could offset costs) but you can't argue that said shift is not a positive one. To Kris, I never said the insured don't have to pay in the ER, I said it is overcrowded, in part, because of uninsured people having to use it after waiting until their condition is urgent and expensive to deal with, and those costs are passed on to the taxpayer. One of the best parts of the bill is its ability to shift care towards preventative medicine with screenings couple with Obama's interest in increasing primary care. In our system, even insured people wait too long and encounter catastrophic injury that costs much more than dealing with an issue early on (preventative medicine). The costs of that care greatly increase the financial pressures on the system, which in turn contributes to the ballooning costs to the consumer that both liberals and conservatives want to avoid. The bill promotes the much needed solution to this problem, preventative care, in a way that no un-regulated free-market system can ***(see side note below)*** I agree that the free-market approach is great in areas like business, and may indeed reduce prices, but health is a different animal. It involves not just premium prices but long term consequences and lives. No matter how you slice it, an unregulated profit-based system does not have the patient's best interests at heart. That sort of system may indeed reduce prices, but that is the only thing it will do. In our such a system, the economic incentives encourage insurance companies to AVOID providing care and AVOID healing patients (dropping them from policies or refusing them in the first place, etc). There is very little incentive for either patients or insurance companies to engage in preventative care, which results in perhaps the largest but hardest to quantify reduction in costs: people not getting sick (or as seriously sick) in the first place. ***(note: we should clear up the misunderstanding that the proposed system is some kind of government takeover - outside of medicare, your doctors are still paid by you or private insurance companies and most hospitals are still privately run, and there IS competition to reduce prices in the insurance exchanges in each state. Its not perfect - I agree employer based care sucks and mucks up the competitive process - but we are working with what we have, and it is still largely a competition based system we end up with. Opponents of the bill can't seem to remember that there is no public option! This is not single payer healthcare! This is much-needed, ethical regulation of a free market system.) Running out of time and energy but its not only the "advocates" that say it will reduce the deficit. It is the NONPARTISAN CBO. Do you think republicans dont use CBO estimates for their bills? Do you think they would say the numbers are doctored if it were much higher and allowed them to attack the bill? No. They would accept it as the closest thing we have to unbiased fact, which is what it is. Of course costs could be higher than projected. Its an estimate, not a record in a history book. If the legislation is carried through to completion, I think there is a very good chance it could meet those estimates. The problem is that congress will have to enact some taxes and they may lose the balls to do that. If that happens, of course the costs wont be offset, because those small tax increases are one important part of many things that are used to offset costs. And I know conservatives dont like any taxes at all, but if you look at how the plan is funded it is a pretty reasonable distribution of cost-offsetting measures : http://money.cnn.com/2010/03/20/news/economy/cbo_reconciliation/ Less than one percent increase in income tax and ONLY on the wealthiest individuals (plus a 3.8% tax on investment income) and most other measures are things like fees to insurance companies etc. which I dont see as a big problem. The "CLASS" program I do not like fiscally but nothing is perfect. Yes, I said it! This is an imperfect bill but it makes some groundbreaking improvements. I wish we could scrap the whole system and start over with something like whats explained in "Healthcare Guaranteed" (Ezekiel Emmanuel) but thats not gonna happen. Bottom line, if this doesn't pass no significant reform will happen for another decade and then we will REALLY be screwed. This can still be tinkered with and perfected but the abuse of patients by insurance companies must be addressed and this bill will do that.
Woops - statement above wasn't supposed to be anonymous. It was from the original "long" poster (me).
PS. Dont bother bringing up the so-called "doc fix." If it is even real (politico pulled the fake memo: http://www.huffingtonpost.com/2010/03/19/doc-fix-memo-of-unknown-o_n_506335.html), it is not part of the legislation we are talking about. That would be a separate issue to discuss. The health care bill being voted on today does not call for any action there one way or the other.
Tyler I have to say that you are very intelligent. I am a Republican and am ashamed and have to admit that I am almost coming around to this bill.
I have an idea that I am not sure is correct; if people have to pay less for insurance and ER visits if they are uninsured, then their savings increase. If their savings increase they are able to pay more taxes. And that will contribute to a lower deficit. I also like the idea of policing the insurance agencies.
There are many things you write with which I disagree. I will address two.
First, our health-care system is not now, nor has it been for a while a "free-market system." It is at its basis, a third-party payment system, which is the wellspring of the out-of-control inflation rate in the system. This bill does nothing to address that fact. Second, while the CBO is a non-partisan organization, it is bound by the parameters it is given, and isn't given latitude to question those assumptions, no matter how questionable. To sum, this bill does not attack the cause of cost inflation, while increasing the number of insured people by government fiat. We have only added fuel to the many fires raging in the system and have addressed not the causes of the problems, only the symptoms. Our impending entitlement crisis just got markedly worse.
OK. Step by step. No unicorns:
Status quo ante: (1) Un-insured person gets sick. (2) Uninsured person waits it out until health is in crisis & goes to the emergency room. (3) Hospital bill is huge. Status post: (1) Newly-insured person gets sick. (2) Newly-insured goes to doctor. (3) Newly-insured gets better. (4) Having avoided bank foreclosure, newly-insured person goes back to work, goes shopping for the kids, pays taxes. Instead of money going to insuance companies, drug companies, bank executives, lawyers, & doctors (& probably in that descending order), money goes to goods, freely-chosen services, and taxes.
Let me ask this? Why do Evil Insurance companies raise their premiums?
Liberal: cause their Evil Common sense: Doctors who take medicare patients only get paid 25% (thats being generous) by the government for the procedures medicare covers. So Basically a doctor is losing out on 75% on a bill due. To make that money up wonder what they do? HMM maybe raise the costs of procedures. Wonder what that would do to that evil insurance company if they have to pay more for procedures? Hmm Premiums go up. So wait its not the evil insurance company its government involvement that is raising cost? Oh I get how it will save money we will add 30 million more people to a system that is almost bankrupt that pays only 25% of the balance due to a doctor and either the doctor or insurance company is going to magically eat those costs and lower costs and Premiums. Do you dems know how stupid you sound? Just think Logically |
Poll Checker: 2012 Battleground States and Leaners
A new book from Tom Elia A compilation of actual presidential & aggregate US House votes for the nation & for the 'battleground states' from 2000-2010. When Lobsters Take Flight
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