@Cycloptichorn,
and this from george.
georgeob1 wrote:"(in a real market more providers relative to demand would mean lower unit costs)."
yup, usually does. that part is good for the end user.
now if you turn the concept around, and approach from the standpoint that a larger user group guarantees a larger income to the vendor, that also can bring down user outlay while the vendor makes a decent profit.
that was, as far as i could see, the idea of getting the government to lean on the drug manufacturers. "here's a big, big group of people that need your products. and because it's a big, big group, you should give them a better rate, and you will still make bank. "
but instead, the pharmies did the squeezing and the drug bill went from 150 billion (+/-) to closer to 720b. and that number was derived by counting on offsets. and the most bizarre part is that a lot of the people who complain loudest about the cost are benefitting from it.
have cake. eat it too. stephen hawking might be able to accomplish that, but i haven't found a way yet...
and now a similar thing is happening with this whole healthcare reform thing. these seem to be some of the main ideas of the republican side;
tort reform - of course. blame the lawyers. this is very good for the malpractice insurance companies and facilities. not so great for the patients. even with that kind of reform, do we really believe that a doctor's premiums will go down? and even if they did, do we believe that a doctor will charge less? will facilities quit overbooking doctors every day to maximize profits?
interstate insurance sales - wow. talk about a money maker. say your worried about a national health insurance putting companies out of business. there would be a flurry of acquisitions and takeovers. then the biggest would begin over powering the smaller providers. ask yourself; has american radio and television benefitted from the reduced diversity of ownership? think back.. when did the big consolidations really take hold? and when did reality t.v. take off? reality t.v. is dead cheap to make next to scripted episodics. and hey, who
doesn't want to be a millionaire?
haven't even touched on the myriad of differences in the state laws. but the irony of this idea being pushed by the same people who are increasing carping about states rights and state sovereignty is mind boggling.
so where is the difference between the Prudential providing interstate insurance sales and a National Health program? i mean besides the Prudential also increasing it's real estate business?
health savings accounts - if that means simply tithing yourself to a specific savings account, that's not a bad idea in terms of cash at the ready. it does nothing to bring costs down. again, the insurance companies and medical industries applaud wildly. but lets say that we do this. you've been thriftily saving for that health emergency and you now have a good chunk for that lumbago transplant should the need arise. then, "boom!"; the market tanks, banks crumble, unemployment skyrockets, you get layed off and things get really, really tight. no money coming in, but the bills keep coming. soon you have gone through your regular savings and the bills still keep coming... so when that notice from the bank shows up demanding pay or quit, what can you do but start taking from your health savings account, just this once. uh-huhh.
murphy's law being what it is, right about the time that the health savings account is on fumes, your lumbago goes out.
so, you go to the hospital, they fix you, you got no green, so they "absorb" the cost. and then "unabsorb" it on the next patient who does have the folding stuff. pretty much another win for the medical industry more so than Joe Average.
'course we don't have to worry for Joe The Plumber. he will simply become, in addition to plumber, author, activist, politician and t.v. star, Joe The Cardiothoracic Surgeon.
but, if it is intended to be something like the bush idea of social security... ehhhh... it's crazy to count on the stock market for financial security. if that had become the thing, how many people would be flat broke after the last 2 or 3 years?
i don't have all the answers, but i don't see how those three things do much for us.