Medicare for All

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Medicare for All
Medicare for All.
Everybody In. Nobody Out.

Alternatives:

How to Distinguish Other Options
from
Non-Profit Financing of Health Care


A relatively fast way to evaluate any proposal, idea, organization or campaign related to “fixing” the United States health care is the use of the following critical questions and table of key words, provided below.

Questions

  • “Non-Profit”?Does the alternative make U.S. health care financing non-profit [such as the best non-profit solution of universal health care, Improved Medicare for All, a single-payer health care solution] so that the U.S. can dramatically cut health care costs by going from 70-75% efficiency to 95-97% efficiency
    • This includes the elimination of the for-profit bureaucracy that exists due to the use of over 1300 for-profit health insurance companies for health care financing. For-profit companies would only provide health insurance for health care services that are not provided by the national plan, such as cosmetic surgery that is not medically required because it’s not due to an accident or disease or war.
  • “Non-Government”?Does the alternative dramatically reduce government’s involvement so that the U.S. can dramatically cut health care costs by dramatically reducing the number of government programs and the day-to-day involvement of federal and state legislatures?
    • The public agency managing the national health insurance will be insulated from legislatures: no day-to-day interference and influence by the legislatures of the U.S. Congress or the states and, therefore, little or no influence by the people and organizations which influence the legislatures.
    • A dramatic reduction in the government bureaucracy needs to occur.
      • At a minimum, the proposal or campaign would not support having 50 states involved; instead there would be simplification, such as the use of the 10 current Medicare regions. Those 10 regions would accomplish simplification, but also have an organization that addresses regional differences.

Key Words

Examples of words we DO NOT want to see in a proposal or idea
Examples of words we DO want to see in a proposal or idea

(Poor Options for) Choices
- choice of health insurance plans
- choice of benefits (not automatic) (translation: requirement to decide on the desired set of benefits and costs)
- mandated (forced) purchase of for-profit insurance
- opportunity to choose the next year’s health insurance plan (translation: a requirement to either take your chances for the coming year or spend your time and effort every year researching the “best plan” for you or your family each year to “identify” which one is best for the upcoming year)

Choices
- choice of doctors and facilities (hospitals, etc.)
- automatically-provided benefits from pre-natal through the end-of-life for all medically-necessary care

Money Details
- subsidies
- health savings accounts
- affordable (not automatic)
- health insurance premiums

Money Details
- non-profit
- one payer
- single-payer
- little or no co-pays
- no deductibles
- no major medical bills

(Lack of) Efficiency
- ANY mention of health insurance companies, including how bad they are —- such references sometimes mean that we need to have federal and/or state laws to have restrictions placed on how they operate their businesses.
—– Exception: if it is clear that the topic is true universal health care, Improved Medicare for All,  non-profit single-payer national health insurance, then keep in mind that some single-payer individual supporters and groups complain about for-profit health insurance companies. Let’s focus instead on the positive future of universal health care, Improved Medicare for All: one plan, high efficiency, and very low administrative costs.
Efficiency
- one health insurance plan
- very high cost-efficiency: 95% or greater
- very low administrative costs
- one risk pool for the entire U.S. population

Organizational Complexity
- having the 50 states each be a part of the organization rather than a simplified structure of the ten Medicare regions

Organizational Efficiency
- one public agency with ten regions to handle regional differences
- insulated from the day-to-day influence of federal politicians and 50 sets of state politicians … and hundreds of sets of county politicians
- accountable to the people
- insulated from the U.S. and state legislatures
- H.R. 676: Expanded and Improved Medicare for All

Lack of Freedom
- employer-based health insurance
Freedom
- not dependent to employment and employer
- automatically provided care
- freedom to choose of career, profession, job position or employer, independent of health care
Ideological Justification for Injustice
- whatever words are used to indicate that you are “on your own” in the name of (whatever); this is ideological malarky that makes no sense to those who know the facts about the health performance in the U.S. and the critical need for non-profit financing of health care. Even a Libertarian with knowledge of the facts knows that single-payer is the best solution involving less government in our health care, not more.

Justice
- health care provided as a public good
- health care as a human right

THE BEST SOLUTION:
The solution that answers both of the Questions with a “Yes” is
universal health care, Improved Medicare for All,
non-profit single-payer national health insurance

  • Proposals that maintain the for-profit bureaucracy will make things worse, not better, because they are accompanied by an increase in both for-profit spending and government spending. Citizens will lose twice.
  • See the related web page: “Single-Payer Comparison to Current System”.




Reports about Alternatives

It is not a primary purpose of this website to focus on the alternatives to single-payer. On the other hand, I have written reports about alternatives for which I have received strong positive feedback.

Persons responsible for other single-payer web sites are welcome to link to these web pages, which are also linked here …





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