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About Paul Edward Zukowski
Expertise
National politics including Presidential, Congressional issues

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Most of my knowledge is based on 25 years of interest in the field. In answering questions, I try to as much as possible to direct the individual to sources for the information. This way any bias I may have (center right, Republican) will not effect answers.
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You are here:  Experts > Arts/Humanities > Political Science > Legislation, Presidential & Congressional Politics > Health care reform for the underinsured

Legislation, Presidential & Congressional Politics - Health care reform for the underinsured


Expert: Paul Edward Zukowski - 8/26/2009

Question
I am trying really hard to stay up to date with possible health care reform. My struggle is that I don't understand the language that is used by politicians and insurance companies in their arguments for or against the public option. From what I have absorbed, I think I am for the public option. I fall in the 'uninsured' category. My employer doesn't offer a coverage plan and my $19,000 annual income is "over" for our state option, but of course I can not afford any of the my private options. An affordable public option would be ideal, I think.... I have been challenged from a co-worker about how the public option would benefit the underinsured. I said that idea of the public option would potentially force private insurance companies to lower the cost of their coverage and increase the access to quality health care. She isn't satisfied with this answer. I need help. I need help understanding it better myself. Please, in Lehman's terms, break this down for me. Thank you so so much.

Answer
I am sorry but but your friends correct.
The "state" option & "public option" is the same thing in essences.
You already know the arbritrary lines drawn in government programs.
Would you like the same people who said you make to much deciding
what care you can have?

The government does nothing efficently.
Medicaid and Medicare is a financial mess teetering on being bankrup.
Both have massive fraud and abuse. Up to 20% is going to fraud and abuse.

It removes competition as tax money forms a subidizes the program.
It under cuts private insurers,
60% of which are not for profit corporations.
Since 6 of 10 do not try to make a profit where is
the lowering of cost coming from?
Eventually they private insurers go out of business.

If you concerned with affordabibily first thing that should happen is tort reform.
That get rid of meritless lawsuits and lower the cost of malpractice insurence
substantially. It would also stop the practice of defensive medicine that adds unneeded testing to
medical costs. None of that on the table.
Next increasing competition by lowering the restictions that force insurers to only operate
in certain states, would icrease competition and lower costs.

Quality of care depends on the quality of the local hospitol & doctor.
The government would have little effect on that that in the short term.
In the long term, its likily to deteriorate quality of care as it has in Canada, UK, and most of Europe.

The way of solving your own problem is to work you way up and find a better job.
Health insurence is never free. It $3000 to $7000 a year.
Your employer may pay part of it. Its not ever free or inexpensive.

You might unaware that government regulations actually increases costs.
I often prevents less expensive options.

http://www.reuters.com/article/domesticNews/idUSTRE5467KE20090507
http://www.myfoxny.com/dpp/news/local_news/nyc/090304_State_Frowns_on_New_York_D...
http://www.reuters.com/article/newsOne/idUSTRE5660N620090707  

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