In the national debate about health care reform, absolutely
nothing makes less sense than the positive views of much of the public about
private health insurers.
There is no good reason to have positive views of private
health insurers, the companies that have relentlessly increased the costs for
very limited health insurance. Co-pays, deductibles and premiums have raped
those lucky enough to have health insurance while also making it very difficult
much of the time to get coverage for all kinds of health problems. The US
health care system is unbelievably inefficient, providing far less effective
health care for what is incredibly high costs, compared to all other
industrialized countries. The main reason is the private health insurance
industry.
If you need solid information to believe this view, then
consider these facts.
On the cost side, what is the problem? The current private
health insurance system is the most costly, wasteful, complicated, and
bureaucratic in the world. Its main function is not to provide quality health
care for all people but to make huge profits for companies. Private health
insurance companies spend an incredible 30 percent of each health care dollar
on administration and billing. Thirty cents of every dollar is not going to
doctors, nurses, medicine, medical personnel; it is going to bureaucracy and
administration plus exorbitant CEO compensation packages, advertising,
lobbying, and campaign contributions. More efficient public programs such as
Medicare, Medicaid, and the VA are administered for far less money, less than
10 percent.
From 2003 to 2007, the combined profits of the nation�s
major health insurance companies increased by 170 percent. William McGuire, the
former head of United Health, several years ago accumulated stock options worth
an estimated $1.6 billion; CIGNA CEO Edward Hanway made more than $120 million
in the last five years. CEO compensation for the top seven health insurance
companies now averages $14.2 million. Over the last three decades, the number
of insurance administrative personnel has grown by 25 times the number of
physicians.
The double whammy is that we get so little for so much
spending. The US spends far more per capita on health care than any other
nation, and health care costs continue to soar unsustainably, now at $2.4
trillion and 18 percent of our GDP. Our per capita spending is 40 percent more
than the second most costly national system. The insanity is that we get poor
value for what we spend. According to the World Health Organization, the US
ranks 37th in terms of health system performance; we are far behind many other
countries in terms of such important indices as infant mortality, life
expectancy, and preventable deaths. Even the latest federal National Health
Quality Report concluded: �health care quality in America is suboptimal . . . the
health care system is not achieving the more substantial strides needed to
close the gap or �quality chasm� that persists.�
If Congress and the Obama administration believed in true,
necessary health reform, then they should favor a government run single-payer
system. But they do not because they are corrupted by the money from the
private health insurance industry.
If the public were not delusional and brainwashed, then they
would be screaming for a single-payer system, but the latest Washington
Post-ABC News poll posed this question to respondents: What if having the
government create a new health insurance plan made many private health insurers
go out of business because they could not compete? In that case would you
support or oppose creating a government-run health insurance plan? Remarkably,
33 percent were opposed and 25 percent were opposed if private health insurers
could not compete. Only 37 percent support the government-run option regardless
of any impact on the private insurers.
Considering the predominantly negative experiences most
Americans have had with their private health insurance companies, these results
are depressing. The only rational explanation is that Americans have been
successfully brainwashed by years of propaganda and disinformation from the
health insurance industry. As I and other Medicare users can attest to, a
government run plan has provided me total freedom in choosing any physician and
hospital I want to use. There is no sound reason to believe that a larger version
of Medicare offered to all Americans would in any way reduce the quality of
health care received.
The simple fact is that a huge amount of money can be saved
by shifting from private to government health insurance, $4 trillion over 10
years, more than enough to pay for universal health care coverage for
absolutely all Americans.
What we are now witnessing in Congress and the White House
is a total, ugly capitulation to the money and power of the private health
insurance industry. If the private health insurance industry maintains its
stranglehold on the national system, then taxpayers will pay even more money
for the worst national health care system in the world, if Congress makes that
costly insurance available to more Americans by using government money.
There were some other recent poll results. The New York
Times/CBS News poll found that most Americans would be willing to pay higher
taxes so everyone could have health insurance and that they said the government
could do a better job of holding down health-care costs than the private
sector. In fact, 85 percent of respondents said the health care system needed
to be fundamentally changed or completely rebuilt, nearly 60 percent said they
would be willing to pay higher taxes to make sure that all were insured, and 72
percent supported a government-administered insurance plan -- something like
Medicare for those under 65 -- that would compete for customers with private
insurers, versus 20 percent that said they were opposed.
Part of the disinformation campaign is that people are being
manipulated to think that a government insurance plan equates to government-run
health care itself, which is shear nonsense. Medicare users access exactly the
same private health care system as those with private health insurance. Of
course, private health insurers charge so much money that they pay physicians
and hospitals more money than Medicare, which is primarily a tactic to keep
much of those parts of the health care system supportive of maintaining the
private insurance system.
Dr. David Himmelstein is a founder and spokesperson for
Physicians for a National Health Program. He believes President Obama is caving
to the insurance industry: �The president once acknowledged that single-payer
reform was the best option, but now he�s caving in to corporate healthcare
interests and completely shutting out advocates of single payer reform.�
Contact Joel S. Hirschhorn through www.delusionaldemocracy.com.