I was reading this article about how upset the Harvard professors were over the changes to their healthcare plan. I have to admit a certain amount of malicious enjoyment as major universities, such as Harvard, were behind the impetus for the Affordable Care Act. Like congress, I guess they wanted to make laws that would only affect the “other guy”.
Faculty members were quoted as “not being concerned for themselves, but for less well paid employees”, and “It’s the principle”. No, lets face it, any time you give something to someone, there is an outcry when you take it away. The fact that they are the elite of American society, living in a world where they are largely sheltered from the realities of poverty and having to make ends meet makes their belly aching less palatable. The objections they have are what the rest of us have been living with for years. MOST healthcare plans have high deductibles and copays.
I say “why not?”. We need insurance to pay every time we go to the doctor? How about save that sort of transaction for those horribly expensive things, like surgery, cancer, etc. I know there are those who would argue that health care should be free, a right. The sad truth is, nothing is free. Every “free” thing you have ever gotten was paid for, just not by you. Why don’t we educate doctors for free, then they won’t have high debt, so won’t need high salaries? Why don’t we pay their malpractice insurance, relieving them of that cost, so they can distribute their services for free? Why don’t we pay pharmaceutical companies for their R&D, so they don’t have to charge large amounts for their medications? If those ideas sound ludicrous, why then do we insist someone else should pay at the other end?
When all this health care debate started, I had hoped to see some of the basic issues addressed. Insurance distorts the cost of health care. The insured person has no idea what the cost of something, but doesn’t care because he’s not paying it. The insured and the providers have this weird dance going on of formulas and partial payments, obscuring the real cost. Without a direct market, there is no competition, no advertised prices and a huge chunk of the medical cost goes to insurers, who are not directly involved in health care at all.
If you pay 2,000 dollars a month to Blue Cross and Blue Shield, and only use 50$ of that for your health care, does the other $1,950 go to another subscribers bills? Not hardly. Not when insurance companies have enough profit to sponsor every last sporting event and charity in your community. While I don’t mind that they are using that money back in the community, wouldn’t be nicer to have that money to spend on health care? If we have to pay a parasitic third-party, why don’t they take all their profits and use them to open clinics in underserved communities? Or pay the outstanding medical bills for someone who is uninsured or underinsured.
The more we monkey with the system, the more cumbersome and less responsive it becomes. Look at our tax system. It’s all one big complicated game with real winners and losers. Health care is the same. Maybe these Harvard professors, now that they see how superficial the changes they championed are, will go back and lobby for some real change. Lets just make sure that we all experience the changes, that way if they don’t work, they will be quickly scrapped.
Let me know what you think. Does all this get your dander up, like it does mine? Do you feel common sense is sadly lacking in the higher echelons of power?