ObamaCare Must Die

Mark from WI

Super Genius
100+ Post Club
54% of Americans are in favor of PPACA being overturned, but yet most Americans also seem to believe that Health Care in America is broken- and support various elements of the Act.

This week, most "unbiased" experts (is there really anyone left?) believe that at least some portions of PPACA will be overturned. The individual mandate, which requires everyone to purchase health insurance, will probably be stricken down, which in turn would cause it INEVITABLY to collapse under its own weight. Let's hope the Supreme Court has the guts to kill it all now, rather than opening up some lame, doomed attempt to prop it up somehow in other ways we will pretend we can afford (but whose numbers - like PPACA's own financing math by the way - will be largely artificial).

Regardless of the decision, and the aftermath, it's clear that Health Care in America needs reform. What a shame that the 2,500 page mess that is the PPACA is what we get as a "solution." In my opinion, Obama's legacy will be forever linked to this overreaching, overstepping, heavy-handed Frankenstein monster of compromise.

While health insurers have made mistakes, particularly in some of the overambitious "claims cost management" efforts which denied claims on technicalities, the problems are not that simple, and the villains are far more numerous. Limiting insurance company profits- and punishing brokers who perform a valuable, free service to consumers- to fix runaway health costs is similar to limiting profits at the corner gas station to correct the rising price of oil. It was a politically safe, and comparatively quick and simple, tactic to make it SEEM like something was being done. "Let's stick it to the insurance companies" since people (mistakenly) see them as the cause of the problem, since those are the only costs voters see, and feel. Too bad it is a meaningless gesture that misses the entire point of what is wrong with health care in the U.S.

Let us hope that, through the process, we have discovered something about what we really DO need. Let us hope that the discussions about why PPACA was bad brings us to real, surgical solutions which target what must truly be DONE to fix health care in America:

  • Health care cost transparency- being able to "shop" for a medical procedure
  • Health care quality- being able to shop for care, e.g. see doctor's/facility's history of outcomes for a certain procedure/care
  • Tort reform- reducing frivolous damages which drive up the cost of care
  • Wellness incentives- helping people do the right things for themselves
  • Removing bad provider incentives- curb the provider-side incentives that are not in best interests of patients
  • Childhood fitness programs- combat obesity in our children, promote wellness education
  • What else? Let's hear it!
Helpless now, we wait for the ruling. I for one hope saner heads prevail, and that by being introduced to the monster we DONT want, we have formed our thoughts and ideas about the things we need to do anyway that really CAN work to lower health care costs and improve the overall quality of care.
 
We need the PCIP and call it a life. That's it. My only issue was that people who were willing to pay were able to get insurance. Now they can - issue solved. The rest can go in the garbage can.
 
We need the PCIP and call it a life. That's it. My only issue was that people who were willing to pay were able to get insurance. Now they can - issue solved. The rest can go in the garbage can.

Yes, even though this thing is huge and ugly, it has inspired some good discussions and shined some light on some things that needed to be taken care of.
Access is a huge issue.
I disagree however that there aren't other things that need to be done to control costs- they remain a runaway train, and people generally feel "entitled" to treat themselves badly, pop a rainbow of pills to feel well, and have access to the best technology available at very little cost... then if things go badly, just sue the bastards. There's a lot that needs fixing about the way Americans see health care. It's not easy but it needs to be done.
The question is, if ObamaCare dies, can enough be done at the state level?
 
  • Health care cost transparency- being able to "shop" for a medical procedure
  • Health care quality- being able to shop for care, e.g. see doctor's/facility's history of outcomes for a certain procedure/care
  • Tort reform- reducing frivolous damages which drive up the cost of care
  • Wellness incentives- helping people do the right things for themselves
  • Removing bad provider incentives- curb the provider-side incentives that are not in best interests of patients
  • Childhood fitness programs- combat obesity in our children, promote wellness education
  • What else? Let's hear it!

1. Advance the adoption rate and use of Health Savings Accounts.
2. Premium tax deduction no matter how you buy your insurance
3. Get employers out of the health insurance business
 
If you want to control costs you have to reduce over-utilization.

Reward healthy lifestyles and punish unhealthy habits. Introduce true cost sharing . . . like the way plans used to be before copay's.

Completely agree. The problem is that people are rarely motivated by "future- uncertain" rewards or consequences. The rewards for working out are "work your ass off and you will feel better... but you may still get hit by a truck or die of cancer." The reward for a piece of double-chocolate cake is an explosion of yummy-ness, and ... maybe I get a tiny bit fatter, but maybe not.

The financial consequences of NOT taking care of ones self are way in the future and are uncertain, whereas the gains of the chocolate cake are obvious and NOW. I feel the same way about beer, by the way.

We need a system that rewards positive habits. Active use of gym memberships, or 6-month weigh-ins, annual physicals. Voluntary programs with rewards along the way, and lower insurance rates for those who choose to participate. Many employers and some health plans are taking steps in this direction.

Physicians need to be involved also, and we need to remove the incentives that are contrary to people's health. An older woman I know takes 50 pills per day. Yes, 50. Most of them to counteract effects of other pills. Occasionally, she has a good day where all the effects all work well together. Usually, she is depressed or anxious, and doesn't know why.
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1. Advance the adoption rate and use of Health Savings Accounts.
2. Premium tax deduction no matter how you buy your insurance
3. Get employers out of the health insurance business

Excellent suggestions. But what about companies in #3 that CHOOSE to provide coverage to attract the right employees? Yeah, that's an ancient concept I realize (haha) but is there a way to fix group insurance rather than get rid of it?

There are some very interesting Self-Funded Small Group plans for example... (disclosure: I'm helping Blueprint Small Group with some web stuff and business development)
 
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solutions which target what must truly be DONE to fix health care in America:
  • Health care cost transparency- being able to "shop" for a medical procedure
  • Health care quality- being able to shop for care, e.g. see doctor's/facility's history of outcomes for a certain procedure/care
  • Tort reform- reducing frivolous damages which drive up the cost of care
  • Wellness incentives- helping people do the right things for themselves
  • Removing bad provider incentives- curb the provider-side incentives that are not in best interests of patients
  • Childhood fitness programs- combat obesity in our children, promote wellness education
  • What else? Let's hear it!

Thoughts:
1. Cost Transparency. I think it's not that hard to shop cost. Most of the majors have that utility in their member on-line tools. And really, most people will spend 10x the time on shopping for a TV than they will for a gall bladder surgery.
This aside, while HC inflation continues high, personal out-of-pocket as a % of total cost has been going down.

2. HC quality ... good one. It seems I've been reading about "Outcomes Management" for 30 years.

3. Tort Reform.... Been reading about that one for decades also. I guess the only question unanswered is which does a better job lobbying; the AMA or ABA? They're both damn good.

4. Wellness incentives.... They work and I am a fan. On the other hand, while over 50% of employers of 500+ have such a plan, only 16% of employers under 500 do. They work best when the perk is cash/near-cash, either thru lower premium or ER contribution to an HRA. Smaller employers are less likely to have the cash or such tax-Ad plans in place.

All that aside, at some point people just make the decision to have a healthy or unhealthy lifestyle. Just because you might think cheeseburgers taste good doesn't mean you should eat them 5 times a week.

5. Bad provider incentives. ... Not sure what you meant here.

6. Childhood obesity... Just because both parents work or because you may be a single working parent doesn't mean you should be lazy and feed your kids a couple Twinkies and Coke for a snack.

I agree the PCIP is a good and defensible mandate. I also think the entire bill, as a whole, does nothing to contain costs. The major driver of cost is utilization and, especially, the access to expensive, new treatments that are exceptionally costly. That, along with the massive expenditure on end-of-life care are what drive cost far above anything else. That, of course is just my opinion.

But having a national discussion about somehow managing the treatments and utilization related to Grandma's last year of life is not a conversation that is likely to occur soon, if ever, in the U.S..
 
Since I have a HSA I'm on the hook. Last year I had a sharp pain that turned out to be a kidney stone.

Went to the ER and had one test - said it was a kidney stone and that it was small enough to pass.

Then they wrote out 4 prescriptions, said I needed to come back for more testing in a few days.

Since it was my nickle, I started asking a lot of questions. Turns out I only needed the one pain med - didn't need the other three and didn't need to come back.

Savings? A lot. And this is mainly what's wrong with our system.
 
Just imagine an automobile insurance policy that paid for everything at little or no cost to you.

Oil changes?

Free.

Tune up?

$10.

New brakes?

$20 per axle.

New tires?

$30 each.

Places like Jiffy Quick and Tires R Us would be selling those plans from a neon lighted booth.

But how many could afford such a plan?

No one.

But that model is used for health insurance and has been used for way too long. That is precisely why they need to go.
 
Just imagine an automobile insurance policy that paid for everything at little or no cost to you.

Oil changes?

Free.

Tune up?

$10.

New brakes?

$20 per axle.

New tires?

$30 each.

Places like Jiffy Quick and Tires R Us would be selling those plans from a neon lighted booth.

But how many could afford such a plan?

No one.

But that model is used for health insurance and has been used for way too long. That is precisely why they need to go.

It's a close comparison. If auto was like health insurance, oil changes are transparent....currently - say $20. No longer - you'd pay the copay and they'll bill the carrier $100. No auto insurance? That's fine - an oil change is now $300.

After all, they need to pay for the shop costs, employees, insurance, turn a profit. It would never be possible to charge less than $300 for an oil change.

The industry pushes back - says auto shops can easily do oil changes for $20 - the auto shop industry goes crazy, says all shops will go under if forced to charge $20.
 
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