Let’s start with a cancer diagnosis. Not likely due to any discretionary behavior on the part of the patient. So, treat it like a natural disaster. Bills go to FEMA or some dept like that. Add other similar diseases and afflictions.
People want Viagra and a hip replacement so they can keep “playing”, then get your checkbook out.
“This is hard to see because the NHS arose from a good idea – that people should be able to get good health treatment without financial worry. Unfortunately for Britain, this was acted upon at a time when centralised state socialism was at its height. So the NHS was constructed to carry out Whitehall commands. It was even imagined that these commands could be so efficiently obeyed that the cost of care would actually fall. The thing was a fantasy of the state planner. It is the reality, not the fantasy, which strikes the patient – and the patient’s friends and relations – every day.”
The problem starts with the idea of employer paid medical expenses. A private industry grew out of the tendency for corps to arbitrage risk — health care insurance it is called. Guaranteed issue was part of that deal, that arrangement.
People that are not paid by their employer (the unemployed of course) through med expenses want that benie also. They also want guaranteed issue, no cancellation, no lifetime caps, etc., etc. They also don’t want to pay $much or at least not more than their cable of cell phone bill (according to Obama).
Obama made irrational, unaffordable promises that simply can’t be kept. How can the GOP disappoint The People now?
Some see major health care episodes like natural disasters. The proverbial “through no fault of their own”, although often times the victim is in fact to blame. Earthquake and flood insurance for examples are available and the government backstops with relief and FEMA.
The problem applying that logic and system to medicine is that almost everyone is a disaster at some time in life. Earthquakes, floods, and lightning strikes are relatively rare, extremely rare. Incidents needing (or wanting) medical care are common place, including serious, expensive “disasters”.
There is not enough money in the world to “save” everyone from every health care incident or to make them financially whole again afterwards.
First Bill Clinton calls ACA, crazy. Now Jerry Brown chimes in.
“Gov. Jerry Brown stuck to his skeptical view on matters of broad healthcare reform on Wednesday, dismissing the idea of a universal healthcare system as something akin to a financial impossibility. “Where do you get the extra money? This is the whole question,”