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    Tuesday, November 19, 2002

    Insurance Conundrum: A reader sent along this email about health insurance and Oregon:

    Since I am not a screaming liberal or "hard line health care universlaist" ( though my father-in-law may disagree) but having a deep concern for our present mechanisms for financing health care I offer the following as a brief counter point to the editorial you posted regarding the failure of the single payer proposal in Oregon. From today’s Oregonian Business News: "

    In Oregon, voters overwhelmingly rejected a measure to create a single statewide health plan for all residents. The measure, which would have required at least $10 billion a year in taxes, failed by nearly a 4-1 ratio.

    And faced with a worsening budget shortfall, state lawmakers last week eliminated coverage of mental health and several other services for about 100,000 low-income residents covered by the Oregon Health Plan. Lawmakers also delayed, potentially indefinitely, the start of the biggest expansion of the state and federally funded coverage since 1994.

    "The kind of expansion we had hoped for likely will not occur," says Jean Thorne, director of the state Office of Medical Assistance Programs, who will keep her post when Governor-elect Ted Kulongoski takes office.

    Soaring premiums, meanwhile, are making coverage increasingly unaffordable for employers and individuals. For Portland-area businesses and their workers, average health costs will jump by more than 15 percent to $5,510 per employee next year, predicts benefit consultant Hewitt Associates. That follows a 14 percent average increase this year and a 13 percent increase the year before. Among the area's small employers, traditional health insurance for workers and families now averages more than $10,000 a year.

    People who've lost insurance are adding to the burden of businesses and individuals who buy coverage. Oregon's uninsured, estimated at 444,000 children and adults, are crowding free clinics and hospital emergency rooms. Hospitals and other caregivers recover the costs of uncompensated care by charging higher fees to private insurers. "
    [ed. note - I wasn’t able to link to the original article, it was no longer on the web page.]

    Single payer, multiple payer, some time payer, what have you--I was disappointed in your brief dismissal of the Oregon results by posting an editorial with limited perspective and no alternative solutions: There are serious financing problems and little substantial discussion of pragmatic solutions:

    1) The cost of administering health care insurance plans is only 2-3% less that we spend on pharmaceuticals (about 8% of total health dollars)--if one wants to be outraged about health care costs give pharmaceutical companies a break--at least they help patients--these costs do not even include the billions of dollars spent by providers supporting medical records and IT systems to manage billing responsibilities

    2) Some one is paying for the a significant portion of the health care for medically indigent--it is employers and tax payers--is this really the way you want to go in assuring limited access--hiding the costs in private premiums and State/Federal Plans-

    3) An employer driven system that depends on private insurance is intrinsically plagued by issues completely unrelated to the persons need for health care--swings in the economy, business closures and relocations, union strength, commercial economic incentives, a patch work of regulatory rules, the personal values of the employer,etc--

    The list could go on and on--The point is--basic reform of some type is inevitable--do I personally support the Oregon plan--I have no idea--but States will be, and probably need to be, the source of imaginative health care reform--


    I agree that our current employer-driven system is a poor model, but I don’t think the solution is a state-run insurance program. Whenever the state decides to run things, politics insinuates itself into even the most rudimentary decisions and policies. That’s one reason we have had such ludicrous spectacles as Congressional hearings on the value of mammograms - because Medicare pays for them. The other thing that happens when the state pays for healthcare is that everyone expects equal treatment, regardless of their ability to pay. Again, Medicare is an example. I have plenty of Medicare patients who own two homes, travel extensively, and yet still manage to carp about the twenty percent they have to pay of a fifty dollar office bill. Then, look at the efforts to get prescription coverage for the elderly. Congress can’t seem to bring themselves to limit the benefit to the truly needy, but instead are considering plans to extend the charity to everyone. It makes no sense for taxpayers to support the wealthy.

    A better system would be to have health insurance work more like car and home-owner’s insurance. The routine stuff, like office visits, medication for acute illnesses, and preventive health should be paid out-of-pocket by the majority of us. Insurance would kick in for the more expensive stuff, and you could buy policies that have different limits - say, $1,000 or $2,000, etc. Right now, catastrophic health insurance isn’t available. The trend has been too much toward covering everything, which is why insurance rates are going through the roof. But, a plan like that would be much more affordable for everyone - for employers who offer it as a benefit and for the self-employed. The only role I see the state playing in insurance is in providing it for the poor, and perhaps in paying for things that are of true public health import such as childhood immunizations or influenza vaccines.

    Some sort of reform is going to be needed, but I hope it comes from the insurance industry rather than government. I’m not surprised that Oregon is now having to cut back on their Health Plan for the poor. They were having trouble before the election, yet in the weeks before the election, advocates of the single-payer system were holding it up as a financial success. Now that the issue has been defeated, Oregon Health Plan’s in trouble again. It makes it look like the single-payer issue was a means to get more tax dollars for the Oregon Health Plan, but the only way they felt they could do it was to offer the benefit to everyone.
     

    posted by Sydney on 11/19/2002 06:12:00 AM 0 comments

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