Friday, November 23, 2012

Fix It Now: Readers Respond

I suggested to this reader that he was getting his wish of a single-payer health insurance system. Click immediately below for his response.

The problem with ObamaCare is that it is NOT single-payer, and doesn’t go nearly far enough. It’s not exactly the worst of both worlds, as it does do things that everyone agrees are the right thing to do, but it doesn’t address the cost side well.

And I sincerely doubt that employers will be rushing to dump good employees. Papa John and others are blowing smoke, and blaming Obama for their own motives. Employers make decisions based on profit opportunity and competitive position in the marketplace. They don’t hire and fire based on rules that everyone has to play by, or you’d hear more complaining about having to allow workers to work under uniform safety standards (oh, that’s right – Oil and Coal companies don’t do that…sorry – cheap shot). 

I’ve yet to hear an insurance company complain about Obamacare. Insurance companies still manage the process, and take out their cut (which is the biggest boondoggle that works against cost savings). 

Employers should be ecstatic to go away from Obamacare and move to a completely socialized, single payer system. Let the free market work! Best employers would offer a package where they paid the national health care tax (NHCT) for the employees through payroll taxes, and they would get the best workers, produce the best products and services. Lesser employers wouldn’t. Fine. They get employees who are more likely to jump ship if a better offer comes along. Everybody who earns, pays. Everybody is covered. 

The cost is already frighteningly high. So why don’t we do what we can to lower the costs for care that we know benefits society? Why pay 30% more than things cost just to employ insurance companies and pay their shareholders? I like lower overall costs* with better societal returns. A single payer plan can do this. 

And I don’t know if I’ve let on as yet, but I am a fiscal conservative. And not one of those who is a “fiscal conservative and a social liberal.” That’s everyone. I’m a social conservative, too.

As for the welfare/entitlement system, it needs a complete overhaul. But not one that would siphon money out and feed Wall Street, yet offer no guarantees of a social safety net. So privatizing social security is so far wrong that it’s a danger to national security.

The problem with social security is that it is perceived by many as a retirement plan, when it was conceived as a safety net that benefits users when they need it, and doesn’t burden society with the cost nor the need to respond from the private sector. Yes, there should be means testing, raising of the eligibility ages, and the cap on max contribution thresholds should keep moving up to cover future obligations.

And I do mean obligations. I believe in the legacy debt – so I don’t want my money back. I want it to be there if I need it someday. There are few costs that we bear in order to live in this great society. That is a small one to pay to ensure that our country retain its compassion.

1 comment:

Tony Staup said...

1.Do away with State Insurance Boards, and have one National Insurance board so all states play by same rules.
2. First rule: Sell across state lines.
3. Take some of the Obamacare money and reinvest (not ongoing tax) into VA systems. Create financial incentives for partnerships of medical clinics nationwide for VA access for vets not near large metro areas, and increase access for medical care.
4. Set the VA system up as a NETWORK to compete with other insurance company networks. This will scratch the 'government itch' progressives seem to be wanting.