dawny0826 said:
I want a free market health care system. I am a libertarian.
dawny, I admire and respect you for the wonderful charitable work that you do. I also admire that you are open to new ideas about health care. I have spoken to many people about this issue. What I find is that a surprising number of people who consider themselves conservative or libertarian, when you actually get down to specifics, actually favor moving the health care system in a more public direction (this does not mean every doctor is a govt. employee, it could be as simple as having Medicaid for everyone within the context of private health care providers, with the option to buy supplementary private insurance if one wants).
Are you one of these people? Ask yourself what, exactly, you would change about our system. Consider that a 100% free-market health care system is what we had before Medicare. Is that what you would favor? But that didn't work,
because it's not profitable to provide health insurance to seniors:
PolitiFact said:
Over the objections of the American Medical Association, Congress approved Medicare by wide bipartisan margins, with President Lyndon Johnson signing the measure in July 1965. Medicare took effect in 1966. At what rate were seniors insured at that time? Kind points to a 2000 government report that said "in 1964, nearly half of all seniors were uninsured, making the elderly among the least likely Americans to have health insurance." We found wide agreement on this point among a half-dozen government and academic reports -- a range from 50 percent to 56 percent uninsured seniors in the early to mid-1960s. One report broke it down further: 54 percent had hospital coverage, and 46 percent had surgical coverage, according to survey statistics cited by the National Health Statistics Reports. It’s also true virtually all seniors have coverage today.
Even after Medicare, before the Affordable Care Act we still had the most private, most free-market health care system in the world according to World Health Organization data. Is that the sort of free-market system you favor? But that didn't work either, as everyone (
including Mitt Romney) acknowledged.
Many conservatives spoke of fixing the free-market health care system we had, instead of expanding public health insurance or government-run hospitals. In fact, contrary to shouting from the Right, that is what the Affordable Care Act (Obamacare) did. The Affordable Care Act is
free-market health care 2.0. This point is well-articulated by a former health care executive and fellow at the conservative American Enterprise Institute:
New York Times Op-Ed said:
The core drivers of the health care act are market principles formulated by conservative economists, designed to correct structural flaws in our health insurance system — principles originally embraced by Republicans as a market alternative to the Clinton plan in the early 1990s. The president’s program extends the current health care system — mostly employer-based coverage, administered by commercial health insurers, with care delivered by fee-for-service doctors and hospitals — by removing the biggest obstacles to that system’s functioning like a competitive marketplace.
Chief among these obstacles are market limitations imposed by the problematic nature of health insurance, which requires that younger, healthier people subsidize older, sicker ones. Because such participation is often expensive and always voluntary, millions have simply opted out, a risky bet emboldened by the 24/7 presence of the heavily subsidized emergency room down the street. The health care law forcibly repatriates these gamblers, along with those who cannot afford to participate in a market that ultimately cross-subsidizes their medical misfortunes anyway, when they get sick and show up in that E.R. And it outlaws discrimination against those who want to participate but cannot because of their medical histories. Put aside the considerable legislative detritus of the act, and its aim is clear: to rationalize a dysfunctional health insurance marketplace.
So now we seem to be discovering that, although it may be an incremental improvement, free-market health care 2.0 doesn't work, either. So we have tried 3 different versions of free-market health care. What fourth version do you propose?
I ask because I have almost literally had this conversation before:
Other guy: "We should expand Medicare so it's available to anyone who needs it."
Me: "You mean like a public option?"
Other guy: "No, not like a public option! Also, insurance shouldn't be tied to employers."
Me: "You mean it should come from government?"
Other guy: "No, it should come from somewhere else! Also, people with pre-existing conditions should not be denied insurance."
Me: "You mean as stipulated in Obamacare?"
Other guy: "No, not like Obamacare! Also, insurance companies should be able to compete across state lines."
Me: "You mean, federal guidelines for insurance should supersede state guidelines?"
Other guy: "No, that would be Big Government! Also, there should be limits to Medicare."
Me: "You mean the federal government should set limits--"
Other guy: "Ahhh! Unelected death panels!"