Sunday, September 21, 2008

Interesting health care tidbit...

...from an LA Times blog:

On Sept. 16, the journal Health Affairs offered a web exclusive with a critique
of the Obama healthcare plan
, saying its costs are unsustainable, and one of the McCain plan, saying the number of uninsured could grow from 45 million to 60 million in the next five years. Another article in the journal suggests that America's healthcare system could benefit from a mixing and matching from each of the plans.
So both candidates have bad healthcare plans?
They said employers would be less likely to offer coverage if they knew their workers could get it elsewhere. In all, the authors projected that 20 million people would lose their employer-sponsored insurance under McCain's plan, while 21 million people would gain coverage through the individual market — little more than a wash...And as monthly insurance premiums rise and the tax break stays the same, even that gain would erode...Another concern is that insurers would gravitate to states with less onerous coverage requirements. For example, 29 states insist insurers in the individual and small group market cover cervical cancer screenings. They could locate in states without such requirements.
The Democrat would set up a kind of government-run shopping mall that would negotiate prices and benefits with private insurers. One choice would be a government-run plan. No participating company could turn someone away because of pre-existing cancer, heart disease or diabetes. Nor would someone have to pay a higher monthly premium based on those conditions...The government would subsidize the cost for many who buy coverage through this exchange. But analysts say using third parties to subsidize the cost of a product exacerbates health inflation. Consumers and providers act as if any service that might yield some value should be covered...Obama would also require all but small businesses to make a "meaningful" payment for health coverage of their workers or contribute a percentage of payroll toward the cost of the public plan offered through the exchange.

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