Hybrid health insurance system for the United States?
Disclaimer: First, I’m a physician from a third world country so I may not be 100% familiar with some of the problems/controversies that the US healthcare system has, but this is based on what I understand from the news reports
On one side of the debate are the people who cant afford private insurance.
* No treatment, we die. Simple
On the other side are the people who are against universal health insurance. Their reasons are more complex like:
* who’s going to pay for it? more taxes probably
* this will drive private insurance out of business
* when government health insurance is a monopoly because private insurers are out of business, then it will not be inclined to improve itself because of lack of competition. what if it decides to enact harsh requirements to cut costs? If its a monopoly you have no alternative. Its too late
I propose a hybrid healthcare system based on my own country’s healthcare system.
* There is some sort of universal or semi universal health insurance but private insurance still exists as a sort of upgrade or total replacement. If you can afford it and you want it you can purchase an “upgrade”
* This universal health insurance still has a small annual fee
* Visits to the doctor will be partially covered so you have to pay a small fee to the doctor when you visit the clinic. For patients that have to be confined in the hospital, the coverage is also partial so whats left is a small fee to be paid by the patient. This small fee exists so that the human psychological reaction of “its free, lets abuse it” wont happen.
* how partial is partial coverage? Make it socialized. By default say only 50%. But you can ask to be re-classified, all dependent on your income. A social worker will investigate you and the amount you eventually pay will be dependent on your income. A rich guy pays a large percentage of his hospital bill but a homeless person only pays a few dollars.
* There are 3 kinds of hospitals: “pay” and “charity” to use the terminology of my country. The 3rd category is “pay” hospitals that have a separate wing or building that is run as a “charity” hospital
* Pay hospitals only accept people who either pay in cash or who have the “upgraded” private health insurance. As to their organization, infrastructure and the equipment, it would resemble a current run of the mill US hospital.
* Charity hospitals pimarily cater to poorer people who do not have private health insurance and only rely on the government universal health insurance but they in theory will accept anyone even those who have private insurance and those who pay in cash because they are rich.
* To reduce costs, some services in charity hospitals would be removed (like in no frills budget airlines).
– In my country laparoscopic surgery is so expensive compared to the savings regained in productivity and shorter hospital stay so old fashioned open surgery might be standard but you would need to compute the cost/benefit ratio for your own situation.
– Frills like airconditioning, TV and private rooms would go. Charity hospitals in my country have large wards with > 50 beds per ward, 2-3 nurses per ward, open to recieve fresh air and mosquito netting and bug zappers for mosquito control. Fresh air and electric fans would cool the patients in summer and if you have snow, then the windows would close and since the building is insulated, minimal heating is required. The ward
would look like a US hospital in the 1920’s or ww2.
– Being ugly is not a health hazard so aesthetic surgery would not be covered. Reconstructive surgery would be covered of course.
– Surgeons would use cheap nylon or silk sutures to close the skin. The trade off for lower price is a worse looking scar. But if you want a better looking scar then go to the pay hospital.
– No more meals in bed so unless you are too weak to move, you eat in a self service cafeteria or ask a relative to fetch you the meal
– since private doctors are expensive, residents (doctors in training) and nurses in training (they both have lower salaries) would primarily be used. Of course, each resident/nurse and each patient eventually has an experienced private doctor/nurse that oversees all the medical treatment.
* the ICU should be more or less the same in pay and charity hospitals except maybe for a worse nurse/doctor to patient ratio
With all the frills gone, there is a powerful incentive for people to work hard so they can buy private insurance. But no one dies because coverage can be universal. The money saved by removing the frills enables more poorer people to be treated
so what do you think????
* oh and to reduce costs, the number of beds and number of staff would be cut, so expect long lines in a charity hospital
a british politician (an MP??) on fox news said that his country is stuck with universal health care because of beaurocratic inertia and. the people are now addicted to it and would rather riot in the streets than accept a total overhaul of their health system which would have good long term results but cause short term pain. That is why they cannot change, because the voters are dumb.