Monday, November 21, 2016

Trump's Version Of Obamacare

There are several key items that should have been part of Obamacare which were not considered.  That is the idea for this blog.

First, all decisions need an objective and it appears that Obamacare never had a clear objective.  Was it to provide "better" health care to those who could not afford "better" care?  I am not sure.  Was it to make health care less expensive so that more people could afford "better" health care?  I don't know.  Was it to increase our capacity to provide "good" health care so that wait times could be reduced?  Was it to reduce the percentage of our GNP that was devoted to health care from its current 17%?  Was it to get our citizens to live healthier life styles, thus to reduce the cost of health care?  Doesn't look like it.  Was it to increase the life expectancy of the citizens of the USA compared to the rest of the world?  Was it to be the first step by a Judas to destroy the USA from within by squandering our national wealth and create an entitlement that would be difficult to undo in the future?  I think that I may be getting close to the answer.

 Rather than focus on real health care, Obamacare focuses on "insurance" when the ideal medical system would be a "distributed" system where everyone paid with there own cash for their medical services.  Do you have medical insurance for your dog or cat?  Why not?  Would it save you money or actually cost more?  Easy question!  Do you think that we need someone in Washington DC telling us how to care for out dog or cat?   Then why do we need anyone to tell us how to take care of our own health?  We don't.

Have you ever heard anyone from Washington DC explaining why people in Japan tend to live almost 10 years longer than we do here in the USA and spend far less on medical?  Why not?  Did you know that when President Lincoln was shot that the doctors actually "bleed" him as a cure for his gun shot wound?  That was not that long ago!  China has a herbal tradition in their medicine and they spend far less than we do and get almost as good of results.  Anyone in Washington DC talking about China's medical system?  Didn't think so.

All we seem to talk about is "insurance".  Trump appears to want to keep kids up to 26 years old on the health policy of the company where their parents work.  Notice how they say, "on their parents policy"?  It is not the parents policy, it is paid for by the person's employer and the cost is added onto the cost of the product or service that their employer provides.  It is not magic. We all pay the cost of this "so call" free bee and most are not aware of it.  There is no free lunch, but there are fewer jobs as result of this "mandate".  Even Trump seems to be falling for the scam!

How about "pre-existing conditions"?  It would be like not having insurance on you car and then when you wreck it, you buy Obamacare for your car!  As in Obamacare, it is against the law for an insurance company to sell you health insurance that does not cover your kids upto age 26 or cover pre-existing conditions.  What if you were in perfect health as a result of your long term responsible efforts to eat right and exercise regularly and wanted a policy that just covered major items with a big deductible?  It would be against the law under Obamacare.  You don't have a free choice to spend your own money the way you want.  I think that Trump is going to have to rethink this one too.

The bottom line is that I don't think that there is anything in Obamacare that is worth keeping and the first thing Trump needs to do is to fire the 40,000 unionized government employees who were hired to force Obamacare down our throats.  That is almost 1,000 per state to administer the plan, not counting all the ones the insurance companies hired and the medical community to administer their share of the program.  In the case of Obamacare "more" is not better.

Since states control the doctors, hospitals and the insurance companies, they should run what ever kind of program the voters in their state want.  If they come up with bad plans, the people can always move to another state.  That is not possible under Obamacare.  You are just screwed.

Remember when doctors made "house calls"?  In that model, you paid the doctor in cash with no middle man taking a cut.  That is how most of the world still does it and it is the least cost model.