Tag Archives: health insurance coverage

Lessons from a Pandemic

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There are so many lessons to be learned from this Pandemic experience, although it is sad that it takes something like Covid-19 to teach or remind us.

The starkest lesson has been the vulnerability of so many segments of our population. There are inspirational lessons, as well, such as the courage of so many men and women committed to doing their essential jobs even when it places their lives and the lives of their families at risk. We should be immensely grateful for the latter lesson, but it is the former lesson that should give us pause and motivate us to soul-search.

How we can “better prepare ourselves for disasters such as this” is an invaluable lesson as we can be certain this will not be the last global disaster to test our character; both as individuals and as a society.

We must ask ourselves whether it is in our nation’s best interests to have such disparity between those who have and those who can only want. We like to think of the U.S. as a great nation and it is, in so many ways, but we, also, must be honest with ourselves and acknowledge that what we have witnessed, in these trying times, are not all things about which we can be proud.

What are a few of the things we are learning about education and healthcare: two of the essential components of a full and meaningful life? They are also the two issues with which I feel the strongest connection.

All children will be challenged to succeed when learning remotely but many of the students who will struggle the most while learning remotely are the same children who struggle the most in their classrooms. Can we hope this experience will enhance our understanding of the importance of relationships and supportive environments for learning; that these things are more important than determining who can learn the most, the fastest?

And think about what it would be like if hospitals were turning away coronavirus patients because they lack health insurance coverage. Thankfully, we have suspended some the rules in this extraordinary time, but should such rules exist at all? Would turning away patients with other life-threatening medical conditions be more justified than turning away coronavirus patients? Would the converse also be true?

Imagine the turmoil if the families of Covid-19 patients without health insurance coverage, both those who recovered and those who succumbed, begin receiving bills for their hospital and medical care. Is medical and hospital care for the sick and injured a right of citizenship?

The world around us is changing at such a pace that many of us do not even notice that things have changed. Does not this world-wide pandemic demonstrate how interconnected we are, on whichever corner of this planet we might reside?

Maybe it is time to step back and challenge all our assumptions about what is “just” and what is “unjust”; and about what differentiates “inequality” and “equality; about what makes a great nation.” Possibly we should rethink the logic behind all our government’s policies, both domestic and foreign.

We know that people are the same, in many ways, wherever they may live, but is anyone else concerned that Americans seem a little bit more likely to hoard scarce resources; to “not let this thing keep me from partying;” or to protest “shelter-in-place” policies because getting what they want is not only more important than other people getting what they need but also more important than other peoples’ lives?

Make no mistake, the world will never be the same after this 2020 “Covid-19 pandemic.” The question all of us should be asking is “do we want to lead or be led” by the changes that will be taking place around us?

Act Now and Save $15 Trillion ($15,000,000,000,000)

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Let us forget, for just a moment, the debate about the Affordable Care Act or, as most of us would call it, the Obamacare Act, and focus, instead, on the issue of providing universal healthcare (translated to mean comprehensive healthcare for all American citizens and legal aliens).
No matter how we feel about Obamacare, we certainly would agree that the Affordable Care Act will not provide access to healthcare for every single American. The absolute most the Affordable Care Act will do is to make it easier for more Americans to purchase health insurance coverage. There also seem to be few illusions that Obamacare is going to cost less than what healthcare in America cost before implementation of the Affordable Care Act. Many will suggest that it will, in fact, cost more than what we have spent in years past.
The real question we should be asking, however, is “why are we unable to provide comprehensive healthcare and prescription drugs to every single American Citizen and legal alien?” In other words, why are we unable to provide universal healthcare?
For the moment, I want to forget about all of the altruistic reasons as to why the richest and most powerful nation in the world should have a healthcare system that meets the needs of all Americans, like virtually every other developed nation? I want to forget about these things because no one really seems to care.
We seem more concerned with rejecting the concept of socialized medicine than we care about all of the men, women, and children in the United States who are unable to gain access to and afford the medical care they require.
The fact is that the vast majority of Americans are unable to distinguish between the concepts of universal healthcare and socialized medicine. These to concepts are, in the minds of these people, synonymous. I suggest to you that it is this inability to differentiate the concept of universal healthcare and socialized medicine that is at the root of the entire problems with the American healthcare system.
Since no one seems to care about the suffering that so many Americans are made to endure, let us focus on the one issue about which everyone seems to care and that is the cost of health care in America.
From 2001 through 2011, the total annual healthcare expenditures of the U.S. grew from $1.2 Trillion to $2.8 Trillion. This represents an average increase of 8.8 percent per year. If that trend continues from 2012 to 2022, our annual healthcare expenditures will increase from $2.8 Trillion in 2011 to just under $7.1 Trillion in 2022. For the eleven calendar-year period from the end of 2011 until the end of 2022, we will have spent just under $56 Trillion on healthcare. Mind boggling, is it not?
In 2001, I wrote a book entitled, Radical Surgery: Reconstructing the American Health Care System, in which I proposed a healthcare solution that would provide universal healthcare without socialized medicine. In other words, I wrote that we could provide comprehensive healthcare and prescription drugs to all Americans and legal aliens without relying on government. Let me say it differently in order to alleviate any confusion. I proposed a way in which we could give every American access to whatever healthcare they required but that would involve neither federal nor state government in the healthcare delivery or decision-making process.
One of the features of this new system was a mechanism that would allow us to control the increases in the cost of care so that costs would rise no faster than increases in the Consumer Price Index (CPI). At that time I projected that the CPI would grow at a rate of 5 percent per year. At that rate, I suggested that healthcare expenditures would have risen to $1.86 Trillion by 2010. Had we been able to hold the increase in annual healthcare costs to 5 percent per year we would have saved an aggregate amount of $3 Trillion over the ten year period. Pretty significant savings, wouldn’t you say?
In fact, the actuall CPI growth during that same period was an average of 2.7 percent per year. Had we been able to control the rise in healthcare expenditures to actual inflation rates, costs would have grown only to $1.55 Trillion resulting in an aggregate savings over the decade of just under $4.5 Trillion. Even more impressive, don’t you think.
Now, let us assume that the actual rate of increase in healthcare costs between now and 2022 would remain the same as the previous ten year period (8.8 percent). In that case healthcare costs will rise to a staggering $7.086 Trillion by the end of 2022.
If, however, we were to implement the healthcare proposal presented in Radical Surgery: Reconstructing the American Health Care System, and inflation would continue to increase at the rate of 2.7 percent per year as it did over the last decade, our annual healthcare expenditures would rise to only $3.9 Trillion. Under this scenario, the aggregate saving in healthcare costs over the ten year period from 2013 to 2022, compared with the projected 8.8 percent per year increase, would be $14.9 Trillion dollars.
Forget altruism, just give me the money!
The question for the reader is a simple one. Can the American people afford to spend an extra $15 Trillion over the next decade for a healthcare system that will continue to leave a significant percentage of the American population with inadequate access to healthcare?