Health Insurance

Think it could at least be better if we were to subsidize medical places all across the board and set reasonable price ceilings on certain things, helping provide (with tax money) any relief a medical place might need from the price ceiling?

What this should do is make health insurance purchase unnecessary for most people. Also, it would eliminate unnecessary complexity in the system.

Unlike many things, health emergencies can’t really be prepared for with raw cost, so we should have a non-capitalist approach to it.

One problem people talk about is cost for insurance. But what about open enrollment dictating when you’re even allowed to purchase major health insurance? I should be able to get it because I just graduated and am going to another school, but the hurdle even being there felt very threatening to me.

This is a nice thought, but there are a ton of issues with it. I do think we can do more to help people who can’t afford more expensive healthcare, but it’s not that simple.

For example, what’s a “reasonable price ceiling?” Who decides it? What things are covered under subsidized medical care? For instance, a million-dollar experimental chemotherapy regimen that makes you go from a 2% chance of surviving a rare cancer to a 2.5% chance?

I also don’t agree with the dichotomy that subsidized healthcare and capitalism are fundamentally at odds. There can absolutely be capitalist subsidized healthcare, and there can be non-subsidized healthcare that isn’t capitalist. I’d argue the current system in America is not even a functioning capitalist system, because there’s effectively no free market. People tend to get the health insurance their employer gives them (no option to walk away, hence no free market), or can’t afford it in the first place (also no free market). And I’d argue without a free market, a capitalist system doesn’t really function like it’s supposed to. Which is why I think it’s important for people to be able to be in control of their health insurance so if what they’re given isn’t meeting their needs, they’re free to go elsewhere, forcing insurance companies to adapt to compete.

That said, I think regardless of one’s views regarding boots and the strapping thereof, it’s in everyone’s interest for basic, preventative care to be subsidized. Even if you are purely selfish, providing even one checkup a year and free basic drugs (which are decades old and dirt cheap) would cost not even a fraction of what it costs hospitals and taxpayers when people end up flooding the ER with easily preventable problems. At my hospital, almost none of our patients pay because almost none of them can. Whenever a patient comes to the ER, it’d be an actual crime to turn them away even if we know for a fact they don’t have money or insurance. And ER care is expensive. So what happens? We treat them, and the hospital (run by the city government) eats the cost. Which it has to recuperate elsewhere, or with taxes. All while the patient is buried under destroyed credit. Who wins in this situation? Nobody.

The government doesn’t have infinite resources to solve everyone’s problems so it’s true that we can’t go all-out with everything, but if something helps people and it saves rather than costs money, what’s there to lose? There’s room to debate how much further than this we should go, but I feel like if people could set aside their gut feelings about government-subsidized things, we could cut costs simply by keeping people out of expensive ERs that drain hospital resources.

I believe that health care is a human right and thus should be available to all. The United States is the only developed country that does not have any kind of universal or single payer health care thanks to the insurance companies making our health a commodity that they can profit from. As a result, ordinary people (like me) have to turn to crowdfunding to pay off ambulance and hospital bills.

If we take those companies out of the equation, the money that would go toward premiums and claims could instead go into a “Medicare for All” system where everybody pays based on their income and everything that’s necessary is covered, including mental health, dentistry, and vision care.