THE AMERICAN HEALTH CARE CRISIS

Each year tens of millions of Americans suffer and die from lack of healthcare. They either have no insurance at all or have high deductibles they can’t pay.  Many more tens of millions suffer painful financial debt and bankruptcy. Everyone is starting to feel the effects of higher premiums, copays and deductibles.

Our healthcare is draining our economy and causing ill effects far beyond healthcare itself.  While it has helped millions the Affordable Care Act or Obamacare has done little to deal with costs and has made it worse in many ways.

This isn’t happening in other advanced nations like Canada, the UK, France, Germany, Italy and Japan. There is much very wrong with American healthcare. It is going to get worse as our “baby boom” generation ages and adds more need for care.

2013_09_HealthCareCosts12

Almost one out of every five dollars spent today in the U.S. goes to healthcare.  The Centers for Medicare and Medicaid Services project a higher than recent overall growth rate to 6% per year. This rate compounded doubles in 12 years.  If things aren’t reorganized, our yearly $3 trillion healthcare bill will grow to $6 trillion.   The U.S. economy cannot afford this.  We will have rising premiums, copays and deductibles to ration healthcare only to those in the higher incomes.

Those who have employers pay for their health insurance are really paying for it indirectly from their benefits package.  Insurance premiums cut what employers can pay in salary. See how.  Health care spending is choking income growth, consumer spending and jobs.  It is concentrating income and wealth into the healthcare corporations and their rich owners.

We spend almost twice per person on healthcare than Canada, Western Europe and Japan. They are as healthy as we are if not healthier and live longer. They have universal coverage. They care for all their citizens.

One of the major causes of our very expensive healthcare is the use of Healthcare Insurance Corporations (HICs). The chart below shows that the countries that don’t use HICs, Single payers, spend a lot less per person and get good results.  HICs are an unnecessary expensive burden.

Healthcare per capitaB&W

In spite of how much we spend on healthcare. Americans are hurting badly, as this pie chart shows how much debt collection efforts go into medical debt:

US debt collection

Medical debt  triggers more than 60% of bankruptcy filings in the U.S. according to a September Bankrate survey. For the full article on this tragic subject from Yahoo Finance click here (please bear with the well earned short commercial).

We must copy from the better proven systems of the world as soon as possible. Healthcare rationing may eventually limit healthcare to the top half in income only.  As the out of control spending gets worse, nobody will be safe from the price rationing.

The purpose of this website and blog is to point out what is wrong with our healthcare in the method of payment, the hospitals and drugs; what needs to be corrected and how we can do this.  You can use the site search engine for specific information.

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  • http://Reorganizehealthcare.com Leftie

    With healtcare costs being double what they have to be we need a discussion on what to do and how to go about it

  • http://wndavis.blogspot.com/ William Davis

    There really isn’t that much to discuss, Leftie. We have several different healthcare systems in the U.S. following different models. The best one is Medicare. It needs to be improved by adding converage for dental, eye, hearing care, mental health and extended to all. Other countries have studied systems around the world and selected medicare as a model.

  • Espn Poster

    So what is it about those other countries that you would want to copy? Just because you have a government that pays for everything does not make it better or cheapter. You cannot pay less than the ACTUAL cost to deliver healthcare, or the system will collapse…no matter who is paying for it.
    The difference between the U.S. and the other countries in your bar chart are this. Those countries do not have a McDonald’s, Jack-in-the-Box, or Wendy’s on every street corner. They don’t sell frozen/processed foods in thier grocery stores. They do not have 30% or more of their population who are obese. Obesity leads to hypertension, high cholesterol, and diabetes, which lead to a myriad of other health/medical problems including heart attacks, strokes, peripheral vascular disease, congestive heart failure, kidney disease, and more cancers. They also do not huge numbers in their population who smoke, leading to lung cancer and chronic bronchitis/emphysema/COPD. These are health problems that are treated and cost so much to treat in the hospitals, emergency rooms, and clinics.

    • http://Reorganizehealthcare.com Leftie

      As I have said over and over on the web site, step one is to get rid of the parasitic Healthcare Insurance companies that add 15-20% to our healthcare with their own admin and profits, but worst yet, far worse, is the added expense of the mountain of paperwork they create for hospitals and doctors due to their multiplicity of forms, rules and trying to weasel out of paying for things.

      None of the other advanced nations have them.

      I wholeheartedly agree with you that lifestyle and diet in America is a disaster. We are paying for it now and will pay much worse in the future.

      • Espn Poster

        That applies to CMS too…the closest thing that we have to a single payor system. Forms and rules created by federal bureaucrats that do nothing to improve healthcare but add mountains of time, expense, and inefficiency.

        • Baldie McEagle

          You plainly know zero about Medicare except what they taught you in Free Market Sunday School.

    • Baldie McEagle

      Nonsense. Millions of non-Americans smoke, have always smoked, and will continue to smoke. Meanwhile, you are blowing smoke.

      ” You cannot pay less than the ACTUAL cost to deliver healthcare, or the system will collapse…no matter who is paying for it.”

      Who has proposed this? No one. The goal is simply to pay much less than we are paying—in other words, greater efficiency. Not just pretending everything is free, per your strawman.

      Unfortunately, as long as the insurance companies are treated like the geese that lay $ millions in political campaign golden eggs, the layer of waste they add to the system—doubling the cost of healthcare—the US will have the least efficient system in the world.

  • http://solidprogressiveview.blogspot.com Harvey Akeson

    Over 55 Million on Medicare 10 Million on Affordable Care Act Millions more on Medicaid the direction is correct, we are limiting financial risks, yet more needs to be done. Keep promoting and spreading the word.

  • factswonthurtyou2

    Canadian here;
    The difference between our system and the American one, including Medicare, is the absence of the need for profit. I’ve read of Medicare Hospitals up charging Medicare.

    Because there is no need for profit by the Hospitals (they operate on a break even basis) rates for Hospital visits including Operations, Births etcetera are set by the respective Provincial governments.

    There are Doctors Unions (known as Associations) that set the rates for their work, hence no surprises to the HealthCare Plans on fees.

    Of course with no insurance company in the middle that whole concept is eliminated for the costs.

    And yes as many or more Canadians smoke, drink and eat unhealthy food as Americans but the key is set rates for all things Medical and no for profit aspect.