When my friend was laid off recently, she was happy to learn that, thanks to Obama’s stimulus package, she’d get to keep her family health insurance at a cost of $330 a month.
OK, maybe “happy” is pushing it.
“It’s insane,” she says. “But it’s better than the $960 I’d pay if I had to buy it myself.”
It’s no secret, or shouldn’t be, that the United States has the planet’s highest health costs, without actually enjoying any better care. While John McCain kept insisting this was because people were recklessly running up doctor bills without first checking eBay for a cheaper kidney, saner minds have concluded it’s more likely one of two problems:
• Doctors have gone pill- and gadget-crazy, responding to every hangnail by handing out four prescriptions and sending you for an MRI; or
• Insurance companies are greedy bastards.
This, once you get past all the mind-numbing talk about “risk pools” and “insurance exchanges,” is what the health care debate comes down to: If we’re going to make health care affordable enough that everyone can have it, we need to spend less — which means somebody’s going to need to earn less, whether it’s doctors, insurance companies, or the people who make the machines that go “ping!” At minimum, that’ll require some kind of public insurance plan that can both compete with private insurers and dictate fees to doctors — the kind that Karl Rove emerged from his bunker recently to say would lead to “a European-style welfare state,” and which insurers and doctors are currently arming their legions of lobbyists to fend off whatever the cost.
If you’re more scared of being bankrupted by medical bills than of Sweden — as polls show most Americans are — then get out your Congress-writin’ pens. Right now, Washington seems inclined to either scrap a public plan entirely or hamstring it by forcing it to pay the same inflated rates as private insurers. If they succeed, we could be left with a sys-tem that “solves” the health care crisis by guaranteeing everyone access to expensive, crappy coverage. That would be a cure worse than the disease.