Join In On The Action "Register Here" To View The Forums

Already a Member Login Here

Board index Forum Index
User avatar
Ambassador
 
Posts: 16006
Joined: 15 Apr 2004, 6:29 am

Post 31 Jan 2011, 1:47 pm

I suspect that when it comes to health, price is not that much of an issue - people want quality and timely treatment, comfortable places to go to, a doctor they can trust, and easy access. Indeed, money is not much of a criterion against those.

However, what this means is that where there is a 'price' there isn't really a free market on price so much. Suppliers of healthcare can charge what they like (or at least have more flexibility upwards), particularly if there are cartels involved, or if the costs are insured.
User avatar
Administrator
 
Posts: 11284
Joined: 14 Feb 2000, 8:40 am

Post 31 Jan 2011, 1:49 pm

Ahh, but I do shop for my insurance. We are given several options to chose from and unfortunately the share i pay for has gone up and up and up, the coverage paid has gone down down down. I sit down with the missus and we weigh all options, the prediction is in the next year or two the only option will be a terribly crappy one that pays ZERO until you get to something like $2500, then they pay 80%, they pay 100% when you pass I think $3500. They do have prescription coverage before that $2500 and I think there are a very small number of procedures that are covered as well, but VERY few (not even routine check ups) and that plan would just stink on ice!
User avatar
Ambassador
 
Posts: 16006
Joined: 15 Apr 2004, 6:29 am

Post 31 Jan 2011, 1:59 pm

Well, yes, insurance costs will go up. Because the back-end prices are rising but you don't see them directly. In the end, your choice is to pay through the nose for top coverage, pay a fair amount for basic coverage, or eschew insurance and hope you can afford any costs should they arise.

It's not really much of a choice - none are appealing, are they?
User avatar
Statesman
 
Posts: 11324
Joined: 15 Aug 2000, 8:59 am

Post 01 Feb 2011, 4:09 pm

I had posted something earlier which didn't get up...
Here's how an American doctor in the Munk debates described the lack of comeptition in health care.
A new ford dealership comes to town, there's going to be some sales advertised with low prices.
Anotehr CT scanner comes to town...no price change just increased use of the machine.
When you go to a dealership yountell them what kind of car you want, what you want to spend and what options you nwant. Then you might not commit until you compared the exact same thing at another dealership .
Go see a doctor, he tells you what tests he's going to require, whats wrong with you and what therapy will be conducted. Oh, there might be some patietns who go get second opinions , there might be some denial of certain therapies by insurance companies, or there might be the odd person like Archduke who seeks a cheaper CT scan. But those are exceptions.
People do what they need to do to remain healthy. Poor people, who cabn't afford care or insurance, wait, And they end up being diagnosed later, when therapies are less likely to work....and usually end up being treated expensively in emrgency wards...
There are things that exacerbate the increased cost in the US. Pay for service (profit motive) , and defensive medicine,drive up the use of tests that are often unnecessary or even counterproductive.. But on the whole its the basic premise that sick people are not as empowered to seek cheaper health care as they are with every other product or service....
And never will be.
And I appreciate the anecdote Archdukle that demonstrates your personal zweal in living the "free marker". But you know you are the exception. Look at medical inflation in the US versus every regulated helath industry everywhere else in the world. If there were a functioning free market prices would be lower OR someother metric would be marekdly better.
User avatar
Ambassador
 
Posts: 21062
Joined: 15 Jun 2002, 6:53 am

Post 02 Feb 2011, 7:50 am

rickyp wrote:People do what they need to do to remain healthy. Poor people, who cabn't afford care or insurance, wait, And they end up being diagnosed later, when therapies are less likely to work....and usually end up being treated expensively in emrgency wards...
There are things that exacerbate the increased cost in the US. Pay for service (profit motive) , and defensive medicine,drive up the use of tests that are often unnecessary or even counterproductive..


People don't do what they need to do to remain healthy. They smoke. They eat too much. They drink too much. They ingest narcotics processed by black marketers. They don't exercise.

All of which are not an excuse for the government to violate the Constitution and force people to buy a product.

There is nothing wrong with profit. There is something terribly wrong with the government over-regulating a market so that there is no/little competition. Whatever the problems are with healthcare, the Affordable Healthcare Act is not the solution. Too many regulations. Too many taxes. Too many impositions on States. The whole thing should be scrapped and a far better plan adopted.
User avatar
Ambassador
 
Posts: 21062
Joined: 15 Jun 2002, 6:53 am

Post 02 Feb 2011, 8:17 am

Meanwhile, the NYT decries judicial activism while asking for . . . judicial activism. Fun and games with liberal ideology:

Judge Vinson acknowledged that he was deviating from this practice, but he argued that this is an atypical case in which the individual mandate is so “inextricably bound” to the remaining provisions that it cannot be severed. He may well be right that the mandate is essential to guaranteeing coverage for people with pre-existing conditions because it will force healthy people into the insurance pools and thus keep premiums down. But his argument seems stretched past the breaking point.

He reads too much significance into the fact that the Democrats failed to include a “severability clause” to ensure that if any provisions were found to be invalid then the rest of the law would be unaffected. He believes this shows that Congress recognized the act wouldn’t work without the mandate. It seems much more likely that it was an error in the closing Congressional struggle.

Judge Vinson also seems wildly off-base when he speculates that Congress would not have passed the act if the individual mandate were not included. Judge Hudson said he was unable to reach that conclusion. The mandate is one of the least popular provisions of the law.

The core of these cases is whether Congress has the power to require people to buy health insurance. We believe it can do so under its power to regulate interstate commerce, to impose taxes and to pass laws that are necessary and proper to carry out its intentions.

There are principled arguments on both sides, and the issue will likely be decided by the Supreme Court. We hope the court upholds the individual mandate. But if it rules the mandate unconstitutional, we urge the justices to show modesty and leave the rest of the law intact.


So, wait, it's "judicial activism" for Vinson to presume that Congress knows what it's doing? The Times takes him to the woodshed for taking at face value the fact that Congress did not include a severability clause, which is basically boilerplate language included in most legislation, but says he should have known the mandate was severable because it was not popular?

If that, and not the Constitution, is the standard, then why did Congress pass it? Obamacare has never had a favorability over 50%. We have heard ad nauseum that when people know what's in it, they'll like it. It hasn't happened yet.

What is most humorous to me is that Democrats, Pelosi immediately springs to mind, scoffed at the suggestion that the mandate might not be Constitutional. So far, half the courts have found it unconstitutional. At the very least this proves the idea is not "out on a limb." I suspect the vote will be at least 5-4 against--and may go higher if the USSC does as the NYT suggests and allows the rest of the law to stand.

If the government can compel you to buy a product because it deems it is good for you or good for the country, then freedom from government interference has been eliminated. That's why Vinson brought up the original tea party. The federal government was not intended to be involved in our everyday lives. Over time, the "mission creep" of liberalism to protect us from ourselves has gotten way out of hand and exceeded Constitutional bounds.
User avatar
Dignitary
 
Posts: 3239
Joined: 29 Jan 2003, 9:54 am

Post 02 Feb 2011, 8:47 am

rickyp wrote:And I appreciate the anecdote Archdukle that demonstrates your personal zweal in living the "free marker". But you know you are the exception. Look at medical inflation in the US versus every regulated helath industry everywhere else in the world. If there were a functioning free market prices would be lower OR someother metric would be marekdly better.


That's because people are stupid, lazy and utter lacking in any sense of personal responsibility anymore. I don't feel I should have to be penalized because others have become so acustomed to sucking off the government teat that they can't do anything for themself anymore.
User avatar
Statesman
 
Posts: 11324
Joined: 15 Aug 2000, 8:59 am

Post 02 Feb 2011, 2:28 pm

archduke
That's because people are stupid, lazy and utter lacking in any sense of personal responsibility anymore. I don't feel I should have to be penalized because others have become so acustomed to sucking off the government teat that they can't do anything for themself anymore.


People are lazy and irresponsible etc. in Denmark and France and norway too. They don't stubbornly stick to a system that underperforms in most of its objectives for health care....
At what point does evidence actually have an impact on your belief system? I ask this is the sense that at some point the failure of free markets in this area has to become apparent to a person who, from what i've seen on these discussions, has a mind open to evidence and information.
User avatar
Ambassador
 
Posts: 21062
Joined: 15 Jun 2002, 6:53 am

Post 02 Feb 2011, 2:34 pm

rickyp wrote:People are lazy and irresponsible etc. in Denmark and France and norway too. They don't stubbornly stick to a system that underperforms in most of its objectives for health care....
At what point does evidence actually have an impact on your belief system? I ask this is the sense that at some point the failure of free markets in this area has to become apparent to a person who, from what i've seen on these discussions, has a mind open to evidence and information.


Objection: is the medical insurance and/or healthcare market "free?"

If so, you've got a funky definition of "free markets."

If not, you're arguing against something that does not and has not existed.
User avatar
Dignitary
 
Posts: 3239
Joined: 29 Jan 2003, 9:54 am

Post 03 Feb 2011, 2:30 pm

rickyp wrote:At what point does evidence actually have an impact on your belief system? I ask this is the sense that at some point the failure of free markets in this area has to become apparent to a person who, from what i've seen on these discussions, has a mind open to evidence and information.


That is a valid question that I am not sure I can answer. I am not an ideologue who stands on a immovable positions and thinks compromise is weakness. Government can be necessary good. The art of governing well is the art of compromise.

However, when it comes to healthcare I have a little bit of a stick up my ass. Perhaps it is because of my job. I deal all day everyday with people who have absolutely no sense of personal responsibility and expect the government to bail them out no matter the issue or cause. Perhaps it is that I don't think the differences in cost is enough to warrent a government take over.

Here is a plan I could suppport. Open Medicaid (not Medicare) to purchase for the General Public. Hell even subsidize the purchase for people below a certain income level. Don't raise taxes or establish fines or fees. Do it by cutting spending somewhere else. Do force everybody into the plan and don't penalize employers for not offering healthcare to employees and/or people who choose not to purchase insurance at all.

If it is that important then make the tough decisions on what to cut but don't force anybody to do it.
User avatar
Ambassador
 
Posts: 21062
Joined: 15 Jun 2002, 6:53 am

Post 08 Feb 2011, 10:20 am

An interesting analysis of the Florida judge's decision:

the removal of the severability clause in the final version of the bill, and the briefs repeatedly making clear that the mandate could not be severed from the main bill — when, as Judge Vinson notes, everyone knew that would be the very first part challenged — are of a piece. Essentially, this is a gigantic game of chicken, aimed at Justice Kennedy: If you discard the mandate, you’re wrecking this giant piece of democratically-crafted legislation. I didn’t appreciate this before, but it now seems pretty clear they’re relying on Kennedy the federal-incrementalist, rather than Kennedy the who-cares-about-federalism-jurist. It’s a remarkable dare. I think it’s sort of stupid — Kennedy is a bit on the dim side, and asking him to decide not to chuck the bathwater with the baby may be beyond his intellectual grasp, though likely not his ego.

Third, I’m surprised Judge Vinson ended up with this case. For a case of this importance, I’d expect an active District Court judge to receive the assignment by hook or by crook. A senior status federal judge is on the rotation for case assignments, but they have a lot of discretion to pass on a case. Judge Vinson is happily in senior status — I believe he goes to flower competitions — I can’t imagine he’s looking forward to the inevitable death threats. I suspect the chief judge didn’t push him to recuse because his case load is so light, and Florida courts (state and federal) are so jammed right now. That’s just a hunch.

Fourth, I have to say I’m amused as Hell to see the port side suddenly so averse to forum shopping and judicial review, problems they don’t seem to register when they get a result they like invalidating a federal law or act out of a District Court in Michigan or California or Massachusetts. I think this goes to a fundamental problem their legislators had when crafting this — they believe that if something (they believe) is so important, so complex, so huge, it must not only be necessary, it must be inviolable. (I’m not sure they believe that the word “constitutional” is relevant unless abortion is involved.) If you look over the government’s briefing, and the amicus briefing, it tends to contain a fairly specific theme: The majority of the bill is constitutional and of critical national importance; the rest of the bill can’t work without the mandate; therefore, it would be judicial activism and a departure from tradition/precedent/deference to strike down the mandate. (Without reading the transcript on oral argument, I infer that they stayed on-message there.) I think this was a terribly bad tack to take with this judge, even allowing for the fact that they’re trying to play chicken with the nine judges who lie at the end of this trail; but more importantly, this insight is the key to understanding the stupid concessions and arguments made in briefing and at oral argument. (Seriously? The government can maybe regulate childbearing?)

Fifth, this was certainly a fairly decently-reasoned opinion. I don’t agree with all of its nuances, but I’m (promise) trying to keep this brief. (No pun.) However, it’s kind of hard to escape the critical question raised in the opinion, the briefing, and the oral argument: If the federal government can mandate this sort of behavior from inactivity, exactly what aggregated activity can it not? I think all of the steam expended to the effect that the government can mandate any sort of activity that in the aggregate impacts commerce (presumably not even substantially) is debatable tactics and worse strategy. If Kennedy votes to toss this, that is what he’ll focus on. They’ve basically supplied the rope, the beam, and the knot-tying directions, and presume Kennedy won’t go through with it because he hates seeing things swing.


At the heart of it is the notion that the bill was written to, in effect, dare Kennedy to strike down the whole bill in light of the negative impact some Americans would suffer. Democrats don't believe he would choose the Constitution over compassion. To me, that's a sad commentary on the Democrats, if true.

On the bigger issue: if the Congress can mandate health insurance purchase, what can they not mandate? What limits are there if they can keep you from NOT entering a market?
User avatar
Ambassador
 
Posts: 16006
Joined: 15 Apr 2004, 6:29 am

Post 08 Feb 2011, 2:20 pm

Archduke - cost may not be an issue at an individual level for many at the point of getting care, but it certainly is for the US as a whole. The reforms under Obama might not be much of a solution, but the pre-existing system wasn't going to be sustainable either. It's interesting that the moves are to repeal, but I've not seen much (from this distance) from the now majority party in the House as for what they want instead.
User avatar
Administrator
 
Posts: 11284
Joined: 14 Feb 2000, 8:40 am

Post 09 Feb 2011, 5:58 pm

we finally agree Dan!!!
User avatar
Ambassador
 
Posts: 16006
Joined: 15 Apr 2004, 6:29 am

Post 10 Feb 2011, 6:00 am

So what are the Republicans in Congress proposing to deal with the ever-rising costs of healthcare?
User avatar
Ambassador
 
Posts: 21062
Joined: 15 Jun 2002, 6:53 am

Post 10 Feb 2011, 9:53 am

danivon wrote:So what are the Republicans in Congress proposing to deal with the ever-rising costs of healthcare?


Step #1 is to repeal the Affordable Care Act, which is so bad that many unions who pressed for its passage have asked for waivers. You cannot stop the ever-rising costs by forcing those costs to go higher, which is what the Act does.

For example, it is folly to believe that eliminating pre-existing conditions as a reason to deny coverage will make healthcare costs go down. Now, it might be a good thing to do, but it cannot help contain the cost of insurance.

Given that Republicans were denied meaningful input into the Act and that it is the first major piece of entitlement legislation ever passed on a completely partisan basis, and that the Democrats' legislation is a fiscal disaster, I'd say repeal is a good start.

Frankly, I think one of the more ballyhooed provisions, that of "children" getting to stay on their parents insurance until the age of 26 is ridiculous. By that age, one may have voted for President three times and yet you are "a child?" You could have been in the armed services for 8 years, seen combat multiple times, and still be "a child?" By the time I was 26, I had a career, owned a home, was married and had three kids. Under the ACA, I guess I would have been able to stay on my Dad's insurance? How much infantilization of our young people do we want to engage in?

The argument would be that this enables "kids" to stay in school. Please. They can get cheap health insurance at school. If this was the consideration, they could simply have passed legislation to extend this sort of policy for an entire year instead of just the school year and attached Cobra options to it.

The question you raise, Dan, would be valid IF Obamacare contained costs or insurance rates. It doesn't and it's going to cost this country a fortune (and no, it doesn't "save" money. If you want to claim it does, first show me the $500B in Medicare cuts Congress has to pass to "save" money, show me the doctor's fix, etc.).

The Republicans can hardly do worse than Reid did in smoke-filled rooms with healthcare insurance executives.