NEJM — Health Care for All?

NEJM — Health Care for All?
by M. Gregg Bloche, M.D., J.D.

Just some commments. Dr. Bloche describes the origins of state benefits such as heath care and notes that post war treatment of those who scraficed was an impetus:

In exchange for widespread sacrifice, citizens began looking to the state
to secure their welfare.

I always am taken aback when people view democratic governments as ‘the other’. As Pogo said, “We have met the enemy, and he is us.” I understand with the ridiculously low level of civil participation these days in the us, it seems like us v. them. And especially with the current administration, I definitely feel like I’m a “them” these days. But, “the state” is still us. Our government, our social contract.

The new compact is likely to start with an enhanced sense of individual obligation — to eat sensibly, exercise regularly, avoid smoking, and otherwise care for ourselves. It may include an obligation to buy insurance. Government, in exchange, can offer some protection against the threat of economic and social change that will disrupt people’s coverage by destabilizing employment and family relationships. Not only can the state provide subsidies to enable poorer citizens to buy insurance; it can, at low cost, combine people’s purchasing power and clear away obstacles to competition, empowering markets to extend coverage to tens of millions who now go without it. Government can also fashion incentives to foster evidence-based practice, health promotion, the elimination of racial disparities in care, and the reduction of medical errors.

I absolutely hate this “personal responsibility” and “individual obligtion” crap. The people who are largely harmed by issues typically cited (obese, smokers) usually either a) don’t start draining the system until they are in Medicare or b) save us money by dying young (we get all of their Medicare and Social Security money). The other personal responsibility issues, such as seeing your physician and buying your meds are at least as much economic issues as responsibility issues.

And again with the subsidiesand incentives! Many are so poor that this doesn’t help. And most don’t know how to put their risk into perspective. Why is this so incomprehensible?

What is possible is a new reciprocity of personal and public commitment, tailored to American self-reliance and the uncertainties of a global economy. This arrangement stands a decent chance of delivering near-universal coverage. Success could cement a new understanding of government’s role — not as a guarantor of easy living irrespective of striving but as an insurer of basic decency when self-reliance fails.

Ugh. Reaarange those deck chairs. Again.

More on US Health Care and Health Insurance cost

Two new bits in the Inbox today regarding US spending on health care and consumers spending on insurance:

From Health Affairs:
Health Spending In OECD Countries In 2004: An UpdateGerard F. Anderson, Bianca K. Frogner and Uwe E. Reinhardt
In 2004, U.S. health care spending per capita was 2.5 times greater than health spending in the median Organization for Economic Cooperation and Development (OECD) country and much higher than health spending in any other OECD country. The United States had fewer physicians, nurses, hospital beds, doctor visits, and hospital days per capita than the median OECD country. Health care prices and higher per capita incomes continued to be the major reasons for the higher U.S. health spending. One possible explanation is higher prevalence of obesity-related chronic disease in the United States relative to other OECD countries.

From The Kaiser Family Foundation:
Premiums for employer-sponsored health insurance rose an average of 6.1 percent in 2007, less than the 7.7 percent increase reported last year but still higher than the increase in workers’ wages (3.7 percent) or the overall inflation rate (2.6 percent), according to the 2007 Employer Health Benefits Survey released today by the Kaiser Family Foundation and Health Research and Educational Trust. Key findings from the survey were also published today in the journal Health Affairs.The 6.1 percent average increase this year was the slowest rate of premium growth since 1999, when premiums rose 5.3 percent. Since 2001, premiums for family coverage have increased 78 percent, while wages have gone up 19 percent and inflation has gone up 17 percent.

Robert E. Litan – Forbes.com

How to fix healthcare…Mr. Litan describes how private health insurance is stifling American business and the lays out his remedy: adjusting the tax treatment of private health insurance.

I am sure this would help literally thousands of already well-insured people, so, “Hear, hear!”. Snark.

It reminded me of an old Monty Python sketch called “How To Do It!”, in which the presenters breathlessly make their pitch:

Alan: Well, last week we showed you how to become a gynaecologist. And this week on ‘How to do it’ we’re going to show you how to play the flute, how to split an atom, how to construct a box girder bridge, how to irrigate the Sahara Desert and make vast new areas of land cultivatable, but first, here’s Jackie to tell you all how to rid the world of all known diseases.
Jackie: Hello, Alan.
Alan: Hello, Jackie.
Jackie: Well, first of all become a doctor and discover a marvellous cure
for something, and then, when the medical profession really starts to take
notice of you, you can jolly well tell them what to do and make sure they get
everything right so there’ll never be any diseases ever again.
Alan: Thanks,
Jackie. Great idea. How to play the flute. (picking up a flute) Well here we
are. You blow there and you move your fingers up and down here.


It is so tiresome to keep hearing these inane ideas about tinkering at the edges of such a profoundly dysfunctional system.

Cheers,

read more digg story

Census Shows a Modest Rise in U.S. Income [BUT]- New York Times

Census Shows a Modest Rise in U.S. Income – New York Times:
“Census officials attributed the rise in the uninsured — to 47 million from 44.8 million in 2005 — mostly to people losing employer-provided or privately purchased health insurance. The percentage of people who received health benefits through an employer declined to 59.7 percent in 2006, from 60.2 percent in 2005.”

Insurance provider lowers physician reimbursements while earnings grow 08/19/07 – LubbockOnline.com

LubbockOnline.com – Insurance provider lowers physician reimbursements while earnings grow 08/19/07:

“Although it is a not-for-profit company, Health Care Service’s bottom line continues to rise at a rapid rate. According to Laura B. Benko of Modern Healthcare, in 2005 Health Care Service Corp recorded its fourth consecutive year of earnings growth, ‘posting net income of $1.15 billion on $11.7 billion in revenue. Its total surplus was $4.3 billion, up 47 percent from 2004 and 227 percent from 2000.’ Ms. Benko points out the company’s president and chief executive officer, Raymond McCaskey, received $6 million in salary, bonuses and other compensation in 2005. I believe some of the millions of dollars the residents of this area pay in premiums to Blue Cross would be put to better use by the healthcare professionals in our community.”

Non-profit for whom?

Cost Control for Dummies – WSJ

Summary from National Center for Policy Analysis (as I don’t get the WSJ)
COST CONTROL FOR DUMMIES
[Source: Merrill Matthews, “Cost Control for Dummies,” Wall Street Journal, August 15, 2007.]
http://online.wsj.com/article/SB118714325206398102.html

Whenever the government controls prices, it arbitrarily determines who it will
pay, how much, and for what, explains Matthews.

Someone explain to me why this is seen as “arbitrary”? Are they tossing coins? As long as we can maintain an open debate about healthcare spending priorities, decisions will not be “arbitrary.” Though, I think , the definition of arbitrary for many, is that it didn’t go their way.

Cheers,

2006 Kaiser/HRET Employer Health Benefits Survey – Kaiser Family Foundation

2006 Kaiser/HRET Employer Health Benefits Survey – Kaiser Family Foundation:
“This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies, and other relevant information. This year the survey also documented the prevalence of high-deductible health plans associated with a savings option, including the percentage of employers offering these plan types and the percentage of workers covered by them. “

“The average cost of premiums for single coverage in 2006 is $354 per month or $4,242 per year. This figure includes both the worker and employer contribution. The average cost of premiums for family coverage is $957 per month or $11,480 per year (Exhibit 1.10).”
——————-
So, if you have a family and make $57K, your premium, on average is 20% of your Wages! If you’re single and earning $42K, you’re on easy street, as only 10% of your compensation is healthcare…The new “lucky duckies”?

And check out this table (1.13): watch the numbers left to right and top to bottom. Wow.


——————–

  • “As with premium increases, there is also a great deal of variation in premiums across workers and firms: 10% of covered workers work in firms that have single premiums of $250 or less per month, while 22% have single premiums greater than $400 per month (Exhibit 1.13).”
    ——————–
  • Cheers,

    JS Online: For $600, a lesson in health care economics

    JS Online: For $600, a lesson in health care economics

    If we insist on expensive scans, if each hospital feels it must buy its own machine to compete, what can we possibly do about costs?

    One option is to buy three machines and advertise scans for $600 a pop, making it up on volume.

    Jim Stoll is going this route…

    The Cost Of Health Insurance Administration In California: Estimates For Insurers, Physicians, And Hospitals — Kahn et al. 24 (6): 1629 — Health Affairs

    The Cost Of Health Insurance Administration In California: Estimates For Insurers, Physicians, And Hospitals — Kahn et al. 24 (6): 1629 — Health Affairs

    If that link doesn’t give you access, try this one:
    http://content.healthaffairs.org/cgi/content/full/24/6/1629