469720?1388149949
Lee Kirksey, MD  
Male
Cleveland , OH

Specialties: Peripheral Arterial Disease, PAD

Interests: vascular, specialist, treatment options
All Journal Entries Journals

Why health insurance mandates are Necessary...Pro

Jul 04, 2011 - 10 comments
Tags:

health insurance reform

,

insurance mandate

,

state

,

International affair

,

obamacare



There is no true way to reform healthcare in a meaningful way that does not involve insurance mandate, ie a system that requires everyone to buy into and be covered by some basic level of health insurance.  Universal coverage, as this is known, is agreed upon by all who seriously advocate for programs which can solve the sustainability problem of our current system
Why is mandatory healthcare necessary? In healthcare, where an individual can impose costs on society, the need for mandatory insurance is just common sense.  The explanation is similar to that offered for automobile insurance. Everyone who drives an automobile is required to have liability insurance in case they have an accident, they will not inflict costs upon others.  This means that one must carry insurance all the time, not just periodically when they feel it is convenient. When everyone contributes, the average price of insurance premiums should be lower. (Unless as we found out, health insurers are not passing on the savings to consumers which is one of the requirements of health reform.
The rationale for requiring health insurance is similar and if anything more compelling. Conceivably, you might own a car but elect to never get in it and drive-perhaps owning it only in case of emergency.  However, medical illness is totally unpredictable and entirely outside of one’s control.  The cost of treating uninsured individuals is huge and the onset of illness may be followed by years of costly treatment.  For example, the costs of treating uninsured individuals in emergency departments are passed onto insured individuals in the form of higher costs. Either in the form of higher health insurance premiums, free care pools organized by the hospital requiring them to bill insured individuals higher rates or higher taxes for state funded plans like Medicaid.
Although, there is an assumption that all people who are insured do so because of low incomes.  Research out of Massachusetts shows that over 38% of uninsured  have annual incomes over 58K.
Uninsured individuals are more likely to forego preventive health services like mammogram, colonoscopy etc, they are less likely to have early disease management for treatable problems like diabetes, hypertension high cholesterol and obesity and therefore more likely to prevent with severe costly conditions that otherwise could have been prevented and certainly treated.
Health insurance mandates do require the creation of fair and equitable subsidies for those who cannot afford health insurance.  Sliding scale systems based on accurately reported income is the most commonly described.  However, everyone must be required to pay into the system. It is important that mandatory coverage requirements be enacted at the same time as subsidies otherwise, people would be encouraged to drop their private coverage. Mandatory coverage should be instituted nationally, otherwise people would be incentivized to relocate or shift jobs because of state to state variation.


Comments
Post a Comment
Avatar_m_tn
by Teak, Jul 05, 2011
No one can sum it up better than Trump!
"Obama Care Explained"

Let me get this straight . . . ...
We're going to be "gifted" with a health care
plan we are forced to purchase and
fined if we don't,
Which purportedly covers at least
ten million more people,
without adding a single new doctor,
but provides for 16,000 new IRS agents,
written by a committee whose chairman
says he doesn't understand it,
passed by a Congress that didn't read it but
exempted themselves from it,
and signed by a President who smokes,
with funding administered by a treasury chief who
didn't pay his taxes,
for which we'll be taxed for four years before any
benefits take effect,
by a government which has
already bankrupted Social Security and Medicare,
all to be overseen by a surgeon general
who is obese,
and financed by a country that's broke!!!!!
'What the hell could
possibly go wrong?'


1563685_tn?1310405954
by ricky_id, Jul 05, 2011
This stuff will be an eternal ideological battle...

Avatar_n_tn
by MyGovIsCorrupt, Jul 05, 2011
WHO'S going to pay for all these people? Redistribution of what I earn to pay for my neighbor? haha I'll fight mandates as long as I'm alive!

306867_tn?1299253309
by allaboutmary, Jul 06, 2011
If you read the main post it explains very well WHO is paying.  It also explains that you are paying for uninsured people right now !  WHO do you think is paying for everyone without insurance going to ER's ......you are. If you read the entire post it explains that your cost for health care should be lower with everyone being covered.  It is already happening in some areas.  They have also put in the bill  that insurance companies must spend a certain percentage of premiums into actual health care, which will limit the huge profits the insurance thieves have been making.   Un-cover your ears and open your mind, it's amazing what you will learn.

377493_tn?1356505749
by adgal, Jul 13, 2011
I live in a country with single payer, and have to make one comment on this.  One of the benefits of having everyone covered is the ability for everyone to seek preventative health care.  Regular physicals, etc.  We know that many diseases are far more easily treated if caught in early stages which equals lower treatment cost.  If the uninsured always have to wait for it to become a real problem, then run to the ER (which as allaboutmary said, taxpayers are already paying for), it would make sense that the cost would be far higher.

I guess for me it's hard to understand why so many are so opposed.  Yes, under single payer we do choose our own Dr.'s. It's true that in some areas there are long waits...that has to do with a shortage of Dr.'s though, so not sure how that is always brought up.  And we never had to fight with an insurance company to get something covered.  My Dr. doesn't have to fight for me to have a test.  There is no interference at all. My health care is between me and my Dr - not me, my Dr. and my insurance company.  Oh, and we don't have death squads either - that is just plain ridiculous.

535822_tn?1413656274
by margypops, Jul 13, 2011
Get it repealed and soon ....we do need healthcare we don't need Obamacare . the post below the main one says it all ..I agree open your eyes it is amazing what you will learn LOL .

Avatar_f_tn
by sweetpea03, Jul 13, 2011
Love the post by Teak... The government is horrible at running the agencies they already have and now we want them to have healthcare, too?? Look at what they have already failed at(Welfare, Social Security, etc). Why do we want them to do our health care? No thank you. I like the way things are now and hope it continues the same way. I have a rare medical condition, and along with others who have the same condition all over the world, they come to the US for treatment because their own healthcare fails them.

Avatar_f_tn
by teko, Jul 13, 2011
The health care feform bill is NOT government run insurance. It is mostly built upon free enterprize, exchanges if you will just like it is now. Alto I will trade it for single payor, universal, government run, whichever term you like is fine.

Avatar_m_tn
by igby187, Jul 13, 2011
Such a bunch of fools in America :(

Single payer is probably the most sensible thing we could do for our country -- it would cost us all less and would mean healthcare for everyone, not just the people happy enough to be employed and insured.  I'd sleep better at night knowing that if I lost my job, healthcare would still be available to me and my family, you'd think that everyone would feel the same -- you'd almost have to be insane *not* to.

1486688_tn?1333857307
by rockinrobin32, Jul 13, 2011
Love what Teak had to say..I agree.

  Big government never benefits the people.  Think what you want..it is government run insurance...when something is mandated..and you are fined if you don't accept it..hello.  

Careful what you ask for...there are more things that go along with this insurance package than meets the eye.  Watch what the "other hand" is doing.  This is just a side show.
Repeal Obamacare...this is not the answer.

Post a Comment