I listened to much of Obama's so called press conference last night. How can they call it a press conference, when the press is hardly involved? Any question that Obama gets, he carries on for ten minutes until nobody has any idea what the question was in the first place. On top of that, he hardly ever answers the question that was actually posed.
The reason he does this is because his health care proposal is going to cost us more money than the current system, and take health care away from the elderly, and give it to the illegal immigrants.
Now, there's no question in my mind that something has to be done about health care in this country. People need to understand, however, that our system is pretty good. So why would we completely blow it up and start down a socialized path? Why not make some minor adjustments? Then, if that doesn't work, it would be way easier to roll it back and try again. Once you go down the socialized path, it would take a generation or more to fix.
I've listed some very basic ideas that I think should be included in health care reform. Most of the ideas involve the free market, give more choice to individuals, and empower doctors to make choices that would be in the best interest of the patient. I also reject the number that Democrats like to throw out that 50 million or so people are uninsured. As I've explained in a previous post, most of those uninsured are illegal aliens, don't want health care insurance, or become covered again within four months. Keeping that in mind, here are some ideals that should be included in any health care reform.
Tort Reform - Doctors pay so much in malpractice insurance. The reason is because they can get sued for just about anything. This would keep doctors from driving up costs by ordering every test under the sun, just to make sure he doesn't get sued, and lower costs because of lower insurance expenses for the doctors. A good starting point for tort reform would be to force the loser to pay for the winner's court expenses. Don't hold your breath on this one. Many democrats in the house and Senate were trial lawyers before running for office.
Stop Fraud and Abuse - Medicare and Medicaid are riddled with fraud and abuse. Some have suggested that 20% of expenditures under these programs are from fraud and abuse. Even if it's only 10%, that still translates into billions of dollars a year. Private companies are much better at stopping abuse, and could be used by the government to help in this area.
Provide the Consumer with more options - At the state level, an insurance exchange could be created that could give consumers an easy way to compare insurance policies, if they choose to buy one. States could also put their own regulations in place to help prevent fraud, abuse, price gouging etc.
Health Savings Accounts - Allow everyone to create a HSA and invest untaxed money in it every year. Employers as a benefit could also contribute to an individual's HSA. The money could be used to pay for medical care if uninsured, or to pay premiums to insurance companies, and then deductibles when receiving health care. I would not be opposed to the government giving a tax credit, as an advance or refundable, to help jump start individual's HSA's
Disaster Insurance - Individual's who don't wish to purchase insurance for every little thing, and would rather pay out of their pocket for their medical expenses, could purchase, for a reasonable price, insurance that would cover them in the event of a catastrophic illness or accident.
Encourage Innovation - In both the medical field and the insurance field. Help insurance companies empower the individuals they serve. Reward companies or individual for medical breakthroughs such as curing diseases like Alzheimer's or AIDS.
Transparency - Create a public/private board that can publish and enforce quality and price information.
I'm sure they're more ideas out there that I haven't even thought of. I'm open to those ideas, as long as they give the individual more power in making health care choices, help us become a healthier nation, and limit the influence the government has on us.
Check out the
Patients' Choice Act of 2009 for these and other ideas.