Yeah, no shit. I have a full time job, supposedly great health insurance, but I still can't actually afford to go to the doctor (never mind an ER). You're God damn right the healthcare system is broken!
Here's the fun part.
It's been like this for at least 20+ years.
I remember when my dad lost his job around 2002. I was a little kid and my mom told me to be careful when I'm playing outside, because if I broke my arm we could lose our house. That's something I don't think should ever be a reality, or something that parents or children should worry about in a functioning country.
Yes, but longer. It's absurd. Not sure exactly when premiums really got out of control, though. There's probably a good chart out there.
Democrats tried to fix this almost... 15 years ago ("thanks Obama"). Critical failure: no Medicare option for all. Most civilized democracies implemented right to free care 30+ years ago, should've been easy to follow. (Then higher education as well.) For-profit health insurance companies and their armies of lobbyists are evil and should be burned to the ground.
The worst part is Obamacare wasn't even good - it was a huge compromise with insurance companies... Before it was further compromised and sabotaged. It came out of the heritage foundation after all - everything they come up with is some way to cause mass suffering to make a few people a lot of money
On the pro column, they gave up preexisting condition rejections - definitely good - and increased child coverage to 25 - which is nice to have I guess. It also made it easier to get health care not coupled to your job. Which would be great, except insurance gives you so much less protection at this point that people aren't much better off than they were uninsured before
On the minus side, they came up with standards of care, which creates so much documentation it drove most of private practice out of business, forcing them to join healthcare systems. It's as much as 2-4x as much time doing paperwork as seeing patients, and then the doctor has to negotiate with the insurance company back and forth on a case by case basis.
And healthcare systems are basically regional monopolies, which is why costs ballooned so ridiculously. It was always bad in this country, but nowhere near this bad.
They also overwork doctors, which is probably a big part of why outcomes are getting worse - they're running healthcare as a business. People who have zero healthcare training are min-maxing health system policies to make line go up
Not to mention, the one big win was supposed to be a public option on the healthcare marketplaces - the idea is you get something like a government run, at-cost insurance company. That was going to be the base line - private competition with "government inefficiency"
It's all just such a shit show - the solution is so simple too. Insurance does three things - it collects a little money from a lot of people to cover big costs from the minority who suddenly needs a lot of it. It uses economies of scale/collective bargaining to keep costs down on the provider side. And it has to have enough bureaucracy/oversight to keep embezzlement/fraud/kickbacks at sustainable levels (you don't even have to stop it, you could just keep good records and watch for large scale offenders, and come down on them hard)
All of those things are better done without a profit incentive, and they work better the more people are in this kind of union... It's mind boggling that people don't understand how straightforward it is.
Hell, know what happens when a homeless man comes into the ER and racks up a 6 figure bill because they couldn't afford treatment until they're at deaths door? The hospital doesn't just eat the cost, we all pay for it collectively anyways
Because i think you're the thinking sort, I suggest you Google 'how Democrats sabotaged Obamacare' or similar, select a source or sources you trust and see what you take away from your reading.
Edit: look... I don't give a single shit about downvotes, what i want is for you to see... Just do it. Don't be afraid. Do it, and see for yourself
In my view it was similar to the recent Manchin / Sinema travesty. Zero Republican votes, plus some very cowardly or corrupt "centrist Democrats" that neuter or kill bill. A classic recipe for disappointment.
You are right. It was eerily similar. There was even a single scapegoat! His name was Ben Nelson, and he was a former insurance executive.
He joined politics for a few years, vsinglehandedly destroyed the public option, and then quit public service.
Makes you think, huh?
Fuck Joe Lieberman
Am aware, this is why I avoid seeking medical care.
all insurance is a scam but any insurance that doesn't cover you for the only thing it's selling is also fraud.
Insurance companies get away with fraud all the time.
Our (Australian) right wing government stopped increasing the amount they pay doctors when people visit, and the new left wing government isn't doing anything either.
So now I have to "co-pay" $30 whenever I visit, when it used to be free. I found that so outrageous that next time, I'm travelling half an hour to go to a clinic that still "bulk bills" (read: doesn't charge the patient).
If I was an American I think I'd just die of rage. I wonder how much that'd cost me.
Edit: Oops, turns out our new left wing government just recently INCREASED the GP payment rate, so hopefully we'll see more bulk billing places return.
I hope the number of bulk billing places starts to increase again. I get scared thinking about how we're becoming more and more like the US.
To spell out the point here - healthcare isn't the point of the healthcare industry under capitalism - profit is. Any healthcare delivered is going to be the bare minimum required to separate you from your money.
I've worked in hospital systems since I graduated from college. There has been one meeting (out of all the meetings!) that I have absolutely never forgotten due to something that was brought up.
They thought it was super cool to talk about how much cash our new surgical center was bringing in. I know it was small in the scheme of things, but in my head a hospital should be super happy when they don't have to perform surgery on a person. They shouldn't be happy to perform surgery so that they can make money.
For me it was a quarterly town hall with hospital leadership and they kept pushing “we are a business…” and all I could think was “no, we are a hospital…” because being a business is indicative of being profit motivated. I know, I know, that’s exactly what it is, but it just really bothered me to hear that line over and over.
When you have an actual functioning competitive market the money you bring in correlates with the value of the service you provide, so it makes perfect sense to be happy about the money the new surgical center is bringing in. That means it's useful.
The problem is that the health care market is regulated and subsidized in so many ways, many of them conflicting with each other, that competition is very limited and price discovery is reduced to "whatever the patient (and their insurance) can afford to pay" since they can't go anywhere else. Fix that and there won't be any reason for hospital owners or employees to feel guilty about making money.
Most healthcare systems in the US are non-profits. To run a non-profit, you still need revenue to operate no matter where you are or what you do. They have to pay their own bills just like anyone else.
Bring on the downvotes. Then go ahead and take all of your local hospital’s funding and see what happens.
Edit: maybe people misunderstood my point? People are replying and saying that profit shouldn’t be part of healthcare. Yes, but that doesn’t solve the problem of funding. Every hospital gets money. Pick your favorite country, the hospital still gets money.
Non-profits need revenue, true. But many non-profit hospitals are not acting like nonprofits. Here's a NYT opinion piece about it
Here’s an actual study on the issue.
You’re largely right about nonprofits not contributing enough, but that’s a systemic issue that reflects the poor quality of the system and how it’s funded in the first place, such as the way we allow insurance companies to take huge chunks of our money.
Yeah that's not what it's about at all. Hospitals need funding. Hospitals do not need a profit motive. Remove the profit motive and socialize the costs of healthcare. Just like every civilized country does it.
You say I’m wrong and then you go on to reiterate my exact point about money. Hospitals require funding and they are funded in every developed nation. Nonprofits do not have a profit motive. They argue with your insurance company for more money, just like every other developed nation, regardless of whether it is directly single payer or a system like Germany or Japan, which largely rely on private companies.
you're arguing for profit to remain a focus within the healthcare industry. That's anti-people, and why everyone is downvoting you. Everyone knows a hospital requires funding, we just want our tax dollars to pay it.
You’re putting words in my mouth. I never said that. I said anything needs money to run, even a nationalized system or a single payer system.
I want to downvote you simply because i hate this truth. I hate it, so, so much.
One of the most perfect parts of how powerful lobbies constructed it is that, unaffordable as it is, there IS no free market for care, you are forced into networks and PPOs, etc. so if someone DID offer a better price outside of your consumer funnel(sorry, insurance plan), your insurer would just deny the claim at the providers standard 20x cost price for uninsured procedures. Also, 100% price obfuscation so comparison shopping is impossible. It is end-game capitalism.
That's not how capitalism is meant to work at all.
Its obviously and uncompetitive market and something needs to change.
History shows us that capitalism inevitably tends towards monopolies