Part 2(limited by WF's character limit)
My take is this. I live making money. Let me rephrase - I love making money. God in heaven knows there is no better feeling than you get when you see checks coming in the mail just for getting someone to click on a link or fill out a form.....
I don't give some hippy stories about how capitalism is bad and we should all become vegans and start trading ivory instead of currency .
Glad to hear it.
That said, I just can't rationalize how the world's wealthiest nation is in the 19th century when it comes to health care. Really.
I hate getting all gung-ho America(those people annoy the piss out of me), but the fact is we're the wealthiest nation because we have historically had a high degree of personal responsibilities.
I've had things get really shitty in my life at different times. And really good. But those good times? They came because I wanted to be able to afford things like health care, food, rent, etc.
If I was automatically able to get all of that without working, I doubt you'd all see me on this forum because I never would've had the motivation to get off my ass and make something of myself.
I am not talking about doing away with plastic surgeons, well trained specialists or the like. In fact, I've probably got a half dozen friends who worked their asses off in med school and want to be able to earn a good salary through working for a private firm so they can pay off those loans and by their parents that wonderful vacation they always promised themselves they would when they finished school....
I don't think anyone is. The problem is we don't have enough of them. There's already big waits for specialists. Longer waits if you want someone that's known for their skill.
When you introduce a flood of new people (including people who take ZERO care of their bodies, hypchondriacs, etc), there's no way for it to not weigh down the system. And even if we were to find some way to get more...the plan they want would be implemented in a tiny fraction of the time it even takes to get through college to assume those positions. So there's not really a lot of hope for a big influx in the near future. Especially since fewer can afford that education.
AT THE SAME TIME, the economic reality of the situation is that there is a market break down when it comes to health insurance due to moral hazard and externalities - that's just how it is...
The market breakdown came from 2 things.
1)You can't vote with your money, because things like rescissions will affect you just once in your life, and it may be the end. This is an acceptable point to deal with through legislation.
2)The government has insulated these companies from competition.
I know it's weird to accept that regulation is both the problem and the solution...but regulation isn't simple. You can regulate in different ways. But it's a pretty unique situation where capitalism can't work because it involves an end-of-life condition. So address that weakness in the system and move on.
Preventative healthcare for instance is the most effective yet THE LEAST PROFITABLE. Insurance companies know this - test after test, denial after denial, this is what makes alot of these companies profitable....
This is simply not true.
Preventative health care makes them money. Prevention requires testing. Testing requires double checking and speculation. Unneeded tests.
Beyond that,
we largely know what makes us unhealthy, and it doesn't impact our decisions - but the ability to make those decisions is IMO a fundamental right.
If someone weighs 400 pounds, no amount of prevention is going to make them not a risk for a heart attack or anything else.
If someone smokes 2 packs a day, no amount of prevention is going to lower their risk of heart disease or lung cancer.
If someone sleeps with 2-3 new men every way, no amount of "prevention" is going to truly prevent them from getting an STD or pregnant. Condoms and anything else do have a failure rate, and require a
will to fix the situation.
And these are a huge sources of the costs on insurance company and the health care system. Prevention sounds fantastic, but it's really pretty nasty.
Another point I bring up is that if we were really big into prevention we probably would've vaccinated our entire population against pointless shit like SARS simply because of the public outcry. And it would cost money, and gain nothing. Because people are morons.
I have a friend who worked in the insurance department of a large corporation. Brilliant guy - dartmouth undergrad, blackstone group Ibanking, then HBS.
Do you know what he told me? Insurance is tilted to make a profit for companies and NOT to cover the buyers....
Find me a single business that's not.
Just because they're profiting doesn't mean they're not doing better than the government would. And once again, they'd do a lot better without government roadblocks to competition in the marketplace.
The gov't is the problem, not the solution. Insurance companies behaved in the way any rational company would in their position.
In any case, I'll just respect people's right to think differently and say this. I bet you if you spend just 6 months hanging out in some hospitals in the USA and Europe and hanging out with some physicians in Europe and the USA you would have a totally different impression you do now.
I tell you what, I am 1000% serious. You come up north to visit me next midsommar and you can hang out with a Swedish dr friend of mine who went to school here in the States then chose to return home to Sweden to do medicine.
I'm not saying Sweden is a bad place or has bad health care. I'm sure it's great. But they don't have the size, population, or lack of population density we have. And they have an entirely different culture. The United States has issues unique to it that serve as massive roadblocks.
How do you get health care into Appalachia?
If you have a city in Montana where there's 1 person per 5 square miles, and they all are forced to pay for it, how close does a hospital reasonably have to be?
Do they have the same lazy culture we have?
Come with an open mind. If I am right you will add me to your skype list from now until infinity and answer every n00b question I may have about some of the quite interesting ideas you have on your blog
Haha I'll add you anyways. Why not
Agreed.