Essay and/or background: Our current hybrid system suffers from skyrocketing costs and piecemeal coverage. Both Democratic candidates have proposed expanding programs such as SCHIP and Medicaid and imposing more stringent regulations on private insurers. Will such steps lead to improvements in the efficiency and quality of health care in America, or will they backfire and make an already struggling system worse?
This debate is the latest in an ongoing series of multi-blog discussions hosted by Swords Crossed, and background essays are posted at that site. If you write (or recently wrote) something on this topic, please let me know and I'll add it to the list of resources.
Cruxes...
The top point in support right now is, "Expanding Medicaid will provide people who cannot afford coverage with access to health care. It will increase preventative care, saving on ER costs. "
The top counterargument is, "SCHIP and Medicaid already cover their target populations; there is no need for expensive expansions to subsidize people who can afford to pay for themselves. "
SCHIP and Medicaid already cover their target populations; there is no need for expensive expansions to subsidize people who can afford to pay for themselves.
Preventing insurers from discriminating on the basis of prior illness unlinks cost and risk and will either drive insurers from the market or raise costs for everyone.
If insurers don't leave the market, that means they can get by with less overhead and profit. If they do leave, that means this is an area for a government system, which is fine.
Government programs artificially inflate costs because there is no incentive to avoid expensive elective treatment. Such market distortion does more harm than good.
I agree those plans are a bust, but that's b/c it doesn't support all. A nat'l plan could cover those who are denied, those who can't afford, and those who are underinsured.