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Showing posts from September, 2009

Pay or Play or Pay and Pay; Obama versus Baucus Health Plans

Baucus Health Plan Senator Baucus of Montana broke away from his committee to present his approach to a United States health care overhaul. His plan proposes a complicated series of benefit changes in Medicare/Medicaid, along with taxes on health care suppliers, employers, and individuals, depending on the health care scenario. It is like trying to look through depression era glass for the economy in this approach. First of all, I don�t think adding more taxes to an already expensive health care delivery system will make it less expensive. If anything, this type of proposal will drive more people into the government option Obama plan. Both the Obama and Baucus health plans rely on the employer system for health care financing, as opposed to a program based on individuals selecting their health plan from regional cooperatives, with a tax credit allowance, and some employer allowance. I am often asked why we expect employers to provide health care in the USA and my only answer is, "...

Insurance is Not Health Care

To listen to the vitriol regarding health care reforms for Americans, you would think we were in the civil war again. I have noticed a number of trends in blogs and citizens meetings on health care reform and thought I needed to speak up. Number one, insurance is not health care, it is a financing vehicle for people to pay for health care and this is available to approximately half of the United States population. In order to obtain "private health insurance" many conditions must exist such as: 1) The employer offers health care 2) The employee actually makes a living wage and can afford the premiums 3) A health insurance company serves their area and is accepted by clinicians and hospitals 4) The person is not disabled or otherwise uninsurable 5) Or an individual policy may be available in their region or rural locale Obviously a lot of employers are not offering health insurance, which is representative of the "private health care system" we have now. As an examp...