Universal Health Care Isn’t Such a new Idea

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In the United States, the notion of universal health care is just shy of political suicide. If you have ever heard President Obama speak about health, he takes pains to express that the goal is always “insurance coverage,” ignoring the underlying principle of health care. The health of our nation, at the level of every citizen, has become downright commoditized in the modern age. The notion that we should be charged an additional tax, just so that the risk taking maniacs of the world can have a free ride, infuriates far too many people to ever pass into a serious discussion. If you try to bring it up, you will inevitably encounter eye rolling and jeering at every turn.

However, let’s think about what insurance companies already do. Whether you’re dealing with home insurance, auto insurance, life or health insurance, you have a body of individuals who will probably never use the service paying for those who will. The fact is, nobody knows when or even if they will ever end up using what the insurance company provides (payment for services rendered). You know you’ll get sick or injured sooner or later, but you don’t know if you’ll end up accidentally crashing into somebody. Yet, the law mandates having auto insurance, while your own health (or at least its payments) may end up putting you in bankruptcy court.

What is the difference between an insurance company being a pool of people’s payments, and a government entity being the same kind of pool full of the same type of payments? The main difference would appear to be that while one chooses a particular insurance company, the government provides only its own monopolistic, one-size-fits-all type of coverage. Moreover, nothing short of a grassroots movement could provide the kind of citizen-inspired change that businesses already have. It seems the main difference is a matter of some choice.

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America’s Public Healthcare Option — What’s the Answer?

With so much recent debate from both sides surrounding President Obama’s healthcare bill featuring the polarizing public option, it’s easy to get confused – or lost in jargon. Among the mess, one thing’s certain — liberals and conservatives can agree that our country’s current healthcare policies need reform – and quickly. Health insurance is becoming unreasonably costly – even for America’s super rich –- and more employers are opting out of providing healthcare packages for workers. Something needs to change, for sure, but is President Obama’s current plan the right answer?

The pros to “Obamacare” – as it’s been dubbed – are clear. Every American would be required to have health insurance by a government-granted date. On the surface this seems to be a huge step in the right direction. If every American was somehow insured, strain on charity care and Medicaid greatly decrease. No longer would uninsured patients get slapped with astronomical hospital and prescription drug bills, which then ultimately are passed to taxpayers. Great.

That is, until you take a closer look and realize what Obamacare has plenty of holes. How exactly would every citizen get covered? What about preexisting conditions? Would disgruntled insurance companies provide sub par coverage – or worse – would healthcare providers provide sub par patient care? As a country, we hope not – but our new healthcare reform plan is so freshly minted, no one has a concrete idea of how it will ultimately unfold and work for Americans. A public healthcare option has been successful in other countries – and here’s hoping it will take hold and be successful here. Something needs to change for the better.

The bottom line is that this new public healthcare option poses so many varied positive and negative arguments, it’s impossible to tell what’s right. Unfortunately for the American public, only time, implementation and evaluation will give us the facts we all wish we had right now.