Re: Interesting article on Obama health care plan Originally Posted by Koyaanisqatsi
What people like you never seem to understand is how a risk-pool works. If we are all paying into the same system, the risk/cost goes DOWN. Have you ever worked for a small company? Did you notice how sky-high the insurance cost was? There's a reason for that.
Yes, I know you want to be selfish and care only about yourself and your family. Fine. At least be smart about it. I am not knocking selfishness, I'm just saying that it is in our best interest to cover everyone and keep costs DOWN.
The system we have right now is broken, and I am sick of argung with people who say stuff like "MY MONEY" all the while offering zero alternatives or ideas. The system right now is completely worthless, and some people are too ideological to see it.
Your logic is flawed.
When you pool a group of people, the cost
to the individual goes down because the medical costs of the sick can be buffered by the premiums of more healthy people. 1 guy out of 10 who gets sick makes premiums go up significantly more than 1 guy out of 100 who gets sick. The population size is too small so that the costs cannot be sucessfully buffered.
Unfortunately this idea doesnt work for decreasing the costs of the whole country.
If you are part of a smaller group- you will be paying closer to the actual cost of your actual care because your costs cannot be buffered by healthy people
. It doesnt increase the cost of your care- just the costs you see. If we pool the entire country into 1 plan, it is not going to decrease the cost
OF THE SYSTEM; that is fixed based on prevalence of disease and the cost of treating disease. Thus the average cost to the individual is not going to change we will just be re-distributing costs.
Second- the system is not broken. People get timely care- they just have to pay for it. You just dont agree with that idea.
If you want a solution i have one that involves a national health care plan for those uninsured:
Create a national health care plan that has certain restrictions-
1) if you currently smoke or use illegal drugs you are not eligible. Evidence of either of these disqualifies you for 2 years.
2) If you are obese by body fat measurements (not BMI) and not handicapped or elderly, you are not elligible.
3) As an adult if you did not graduate from high school and do not have a valid excuse- you are not eligible.
4) If you are non-compliant with your medications and not from side effects, you are kicked out
5) Only US citizens or those who have green cards are eligible.
Those who are not eligible and those who want to pay for it, can always get private insurance.
Then people would have some motivation to stop all these crappy lifestyle habits and lose some weight. We almost overnight would have a healthier, more compliant population and a better educated populace in one foul swoop.
Nursing News