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Originally Posted by
trumptman 
I would suggest that this is because the real solution is to get government out of health care period.
If people could function without government; we'd be angels. There is a reason why government exists in the first place. Government sucks, but at the very least, the type of government we've chosen (Democratic) is the least sucky of the other choices.

Also, as much as I'm an advocate for less government, government still needs to perform at a certain level of competency. You'll never get excellence out of government; but we do need competency. Currently, we have neither unfortunately. If we look at Reagan, we see a government that is run competently, heck, pretty damn well. Made a few mistakes, but it sure as hell beat the hell out of everyone else's leaders.
Quote:
Originally Posted by
trumptman 
Having the government "reform" health care again is really an attempt to have the solve the health care problem they created.
Precisely. Unfortunately, it'll take governmental action to fix a mess started by the government. While their at it, they can at least create a new basic framework for which businesses can profitable operate with significantly lower overhead. Too much to ask? Probable, but the alternative of not demanding it year after year, decade after decade, is - Obama.

Quote:
Originally Posted by
trumptman 
We essentially already do this now. We have Medicare, Medicaid and Social Security Disability. These take care of all the outliers and highest risk health concerns from the general population pool. The reason they do not dramatically lower the cost of health care, but instead increase it well beyond the rate of inflation.
I think you missed the underlying nuance I had proposed. Medicare, Medicaid, and Social Security itself would be destroyed. There would be no special "tax" system for the general population to fund this, and it would be an as-funded program. In effect, a nationalized bank or corporation. Specifically funded in real time to handle this, but not competing directly with the non-subsidized private sector of health care. They'd be taking care of two different segments in the market in effect. One of which cannot be feasible covered by business, hence where government can step in to be effective at that point.
And of course, no taxed health care. Something Obama blasted during the campaign and then went back on and is now considering as part of his health care reform. This is a mistake because it is too hard to build a system of equity - which the government is not particularly good at anyways in complex systems.
Quote:
Originally Posted by
trumptman 
Right now we do not have a system which is at all business based. We have one where the largest single influence is government. If you would like to look at a purely business based medical model, look at the cost of elective medicine and compare the costs there for procedures over time compared with government influenced medical care.
No, we aren't with an entirely business based model - I argued from such a point to create something that would be easier to grasp for others and to further help underline my proposition's point in its effectiveness. We both agree that the current system is not good enough, and that what Obama is proposing is much worse. The question is of how to let businesses operate in this sector of the market efficiently enough to provide competitive & good health care for the American masses.
Quote:
Originally Posted by
trumptman 
The work based insurance model has not dealt with costs as well as it could because the consumer has been removed from the equation. You don't buy health insurance, you get it with your job and have very little choice or control over the matter. This is a result of government as well as this came about during WWII when government imposed wage freezes and companies wanted to retain workers.
I agree - the current model does not work, and the regulation and current structure is not cost effective enough to provide for future generations. I also agree with the historical context in which you present this.
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Originally Posted by
trumptman 
So in terms of what we have, we have an older government model competing against a complete government coverage model.
I agree, both are insufficient. Hence my proposition which would setup a market that could be based around consumers while government takes care of the inherently cost-ineffective niche of the health care sector. Either those people won't be covered, or businesses will suffer tremendously by being mandated to cover them which drastically raises the costs for all consumers.
Think of this in the context of lowering business taxes. You've just given business an incentive to do more and to prosper faster - its about government allowing a situation where business overhead is not exceedingly high in the health care sector. Allowing for a competitive market based around the consumer.
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Originally Posted by
trumptman 
If you mean by loss of richness, loss of your life, autonomy to make medical decisions, etc. then that would be correct.
Actually, when I talked about reach and richness, I was directly referring to some terms used in the book "Blown to Bits." Very good book on business. By richness I mean the quality of care - which you could say could translate into saved lives. By richness, I mean consumer choice.
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Originally Posted by
trumptman 
The problem is that we don't end up with cheaper and we don't end up with magical savings and finally it operates more like a half-breed rather than a hybrid.
We've never had a system that was ever envisioned as I outlined, nor has it been proposed to my knowledge in Congress. An underlying concept is that you need to reduce the operating costs of business - which by doing so, allows for more competition and lower costs directly for the consumer. Businesses already create consumer cost distribution models to figure out how to charge (the mean price to consumers). Government need only directly serve the people in the upper 10 - 15 percent to significantly reduce overhead and costs for businesses in this regard.
Also, we may very well start with my proposed solution getting passed and over the years, it evolves into a half-breed solution (which is bad). Just as the Democrats have been able to slowly swing America into a much more Socialistic system (bad). We can always start with good and end up with bad. It's up to the American public to make their demands known and be strong enough to stand up to politicians who may slowly corrupt and twist the system.
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Originally Posted by
trumptman 
We already have this model in our health care now. We also have it in high education and housing.
I can sorta see how you see it in higher education - which also needs reform, especially the lower tiers. Housing - I don't see what you mean. But lets contain those discussions in separate threads - need to stay closely on topic otherwise people will hijack the thread and turn it into a meaningless back-for rant rave.
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Originally Posted by
trumptman 
You look at any area of the economy where this model is applied and you see the same problems.
The model I suggested is specifically crafted and uniquely suited for the medical sector. And from above, I think you missed what I was suggesting.
Quote:
Originally Posted by
trumptman 
Billing and overhead grows as groups have to deal with government regulations and business matters (double the cost, not half), resources become radically misallocated as government policy drives the agenda rather than market forces, (double the cost to cover what we need vs. what we have) and finally all the costs continue to rise well above the rate of inflation.
The fact that there are people in America who *cannot* be covered by a completely efficient business model is why government needs to take care of that 10 - 15 percent upper niche. Otherwise, what you have is mandate to cover them, and that raises the cost for everyone - very inefficient. You know the Democrats will play to "X millions not covered" and the best - most cost effective way to deal with that concern is the model I proposed. Liberal Democrats won't be happy that the government doesn't control it in the form of socialist universal health care, but we can also deny them the numbers they seek to post with a superior solution.
You can bet good money on the fact that if my proposal went through, people would defend it vigorously against anyone who might try to threaten it - as it threatens themselves - the American people. Take for instance Seniors who were concerned that John McCain would tax their health care - not legitimate however - see how they turned out to vote for Obama who vigorously opposed any tax on health care with the media's help? My system would be hard to de-rail; but not impossible once implemented. Of course; this suddenly makes health care a non-issue every election cycle for both Republicans and Democrats and so its not likely that it would pass.