Cooperating for better care.

Medicaid and Medicare

Tag Archives

Prepare for healthcare reform 1.1

 

Benjamin D. Sommers, M.D., a physician and healthcare economist, in a  New England Journal of Medicine piece headlined “Health Care Reform’s Unfinished Work — Remaining Barriers to Coverage and Access,” concludes:

“{T}he ACA is succeeding in expanding coverage and access, with promising indications for population health. But challenges remain; the fundamental political question is how — and whether — they’ll be addressed. Though some members of both political parties favor replacing the ACA entirely, that seems unlikely to happen. Liberals who believe a single-payer system is the easiest method of eliminating cracks in our patchwork coverage approach must face the political realities that derailed a single-payer effort in liberal Vermont and have made it so challenging to implement even a centrist national health care reform law. Many conservatives still advocate ‘repeal and replace,’ but the almost-certain backlash against taking coverage away from more than 15 million Americans makes it hard to imagine this rhetoric becoming reality….”

“What’s likely, then, is healthcare reform version 1.1, rather than version 2.0. We’ll probably see substantial debate over refining the ACA rather than replacing it, much as occurred after the enactment of Medicaid and Medicare in 1965. Perspectives on how to do so will vary; some policymakers will argue that the law isn’t generous enough, while others will insist that it’s already too costly and intrusive. Ultimately, there are likely to be only incremental changes….”


Dr. Carson’s ‘insurance death spiral’

circle

Vicious Circle by Jacek Malczewski,  in the National Museum, Poznań, Poland.

Modern Healthcare’s Harris Meyer looks at Dr. Ben Carson’s healthcare-reform proposals and finds it shows that the retired pediatric surgeon doesn’t understand the economics of health insurance.

The core of Dr. Carson’s proposal is make heath savings accounts available to everyone, with the idea, he says, of weaning people off the government “dependency” involved in the Medicaid and Medicare programs.

He  does say that people could stick with those programs if they wanted.

But the trouble is, says Mr. Meyer, imaking Medicare and Medicaid voluntary  could “unravel the insurance risk pool in the same way that proposals to make Social Security voluntary would unravel the retirement safety net. ”

“Younger, healthier and more affluent Americans could take Carson’s government-provided HSA money and combine it with their own funds to buy comprehensive health insurance plans or pay for their own care out of pocket. But older, sicker and poorer Americans who wanted to stay in a government health insurance program would have to pay much higher premiums and likely accept less-comprehensive benefits because the safer insurance risks had exited the program.

“Actuaries call that an insurance death spiral. That apparently lies outside Dr. Carson’s medical expertise.”


Contact Info

info@cmg625.com

(617) 230-4965

Wellesley, Mass