To The Daily Sun,
Healthcare, for those below the poverty level, is the one big need. It has been the case for decades. That stated, what are the implications?
Our census data details that we have a finite number of people in that category. Why they are there stems from a number of causes. One category is broken homes. Another is education level. Lack of education is possibly due, in part, to the first reason. A third involves employment opportunities for those who lack education and/or skills. While it's true that unskilled jobs pay poorly, it doesn't necessarily follow that employers can shirk their responsibility for furnishing health insurance to their workers.
We have a system that provides gainfully and reasonably well-paid workers with healthcare benefits. Aside from the high deductible issue, the employers pay at least a portion of the premiums on most existing plans of that type. Some employers, using high costs as an excuse, collude with providers to shift cost through deductibles. This
allows the carriers to collect significant premiums from the employees while asking them to pay out-of-pocket for many services before their deductibles are met. How fair is that? Can that be fixed by reform? We
I have some ideas, but those who could do something about are not listening to practical solutions. Everything is based on profit margins of the insurers. Why do insurers have to be for profit? Why not try to make them serve as clearing houses for medical needs? Why are we constantly paying double for services? We pay once to the
premium side, then to the provider side because of the deductibles.
Maybe someone should come up with an analysis of the real cost, identify a non-profit solution and present it to all three parties, the worker/patient, the employer, and the insurer. The governments role should be as enforcer of agreed upon rules only! More about this concept will be forthcoming in a separate letter.
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