After the increase in premiums this year in the "affordable" program currently in place, there are a whole lot of people who now can't afford or can barely afford health insurance. I work for a decent sized corporation and mine and Craig's insurance premium basically doubled for 2017, just over $40 per month less than actually doubling, for the same insurance program we had last year. My company suggested looking at the healthcare market place to see what your premium would be. I did and the premium came out to be actually more than what I could buy through my company (and with less coverage) because we didn't qualify for any subsidies.
The corporations involved in medical care don't want socialized medicine or an affordable health insurance program, as their profits would have to take a huge hit. It would be great if the U.S. could actually have a reasonably priced program for health insurance in place, but I have my doubts it ever will simply because of the fact that the big corps are not going to want to give up their profits.
This is a very complex issue, and it goes much deeper than simply saying that we will never have affordable health care because insurance companies don't want to give up their profits.
I'm a provider in the health care industry, so I see this on a daily basis.
We have a whole host of issues that come into play that make health care here not only more costly, but that also make the idea of switching to some form of government-subsidized plan (such as a single payor plan) more costly than it is in many European countries.
I did a study a number of years back analyzing our health care industry and came up with ten reasons why health insurance here is more expensive. I don't remember all of them off of the top of my head, and I don't have the study in front of me, but to name a few....
1. Obesity and Lifestyle: Americans are the most obese nation in the world (or we were at that time. I think Mexico is ahead of us, now). Obesity related illnesses, such as diabetes and cardiovascular disease eat up a huge amount of our health care dollars.
2. End of life care: Americans are unique in that we want facilities, not families, to take care of our elderly. For most people, the amount of money spent on health care in the last 3 months of life exceed all the dollars spent on health care for that patient up to that point. If we would take our elderly into our homes and let them die a natural death (with in reason; I'm not saying we don't provide health care when appropriate) instead of extending their lives by a few days or weeks through machines, our health care costs would diminish greatly.
3. Nutrition: Americans have the worst diets of any first-world country. We eat more fat, sodium, processed chemicals, sugary soft drinks and other horrible things than anyone else. Yet, many Americans, including many wealthy Americans, are malnourished and constantly dehydrated. The lack of proper nutrients in our diet, combined with the fat, sodium, sugar and artificial chemicals leads to more disease as we age.
4. Medications: We take more medications than almost any nation in the world. Part of the reason for this is that we have more diabetes (see #1) and hypertension/heart disease (see #1 and #3) than almost anywhere else in the world. Spending years and years on expensive medications and multiple doctor visits increases the cost of health care.
5. "Disability": I put this one in quotes for a reason. America has more people on disability than any other nation and almost twice as many as were on disability a generation ago. (Side note: As a health care provider, I can tell you that about half of the people on "disability" here in the US would not qualify for any form of disability in any other place in the world. Even in Europe, where health care is "free," they police this issue more than we do here). Keep in mind that there are many types of disability, and not everyone on disability is on Social Security or Medicare. Federal programs and state programs have different rules. In many states, the State programs have more lax rules than the federal programs. My state is one of these. I've seen people on disability for dyslexia and for mild anxiety attacks. These are people who are not working and not financially contributing to society.
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I don't want to make this a political post. I think there are ways to solve this issue (at least to some degree). However, the politicians in Washington on both sides don't really have a handle on what's driving costs in health care, and as long as that is the case, they won't have a solution to fix the problem. Expect costs to keep rising for the foreseeable future.