Health Care – A Populist Solution

It should be obvious by now that the U.S. health care system is not going to be happily corrected from the top down. If we truly had a free-market competitive system with many insurance companies vying for the public’s business, that should bring prices of their service down, right?local medical care

How can our President be an honest broker in a negotiation with the fabulously wealthy health insurance corporations, the pharmaceutical industry, and others who were major contributors to his election? It simply is not going to happen. These folks have spent a lot of money and time to get their corporations into a position where they have got the most profitable game in town, and — as we have seen with the heavy Wall Street influence on this administration — they are not going to be forced to give it all up, just to make the American people happy.

An article recently appeared in the newspaper by T.R. Reid, which gives a rundown of the administrative costs of various health insurance plans around the world, with ours included. The U.S. topped them all at 20% being spent on paperwork, reviewing claims, and marketing. The European countries and Canada ran about 4-6% administrative costs. Taiwan came in the lowest at 1.5%! It shouldn’t require private detective sleuthing around the corridors of power in Washington to help us figure out that Americans are under the thumb of an uncompetitive and — I may as well say it — corrupt system.

We have a system where the people with the most to gain, “gain access” to our political leaders with the help of well-connected lobbyists to get their views heard. Then, when election time rolls around, mega-contributions flow into the appropriate party’s account in return for favorable legislation that allows the corporations to maintain their strangle-hold on our shrinking American economy. It’s all a highly-ritualized dance here, but in any Third-World country the same general process is called corruption and influence-buying. The results are the same, whatever we call it.

So how do we, as a nation, break free of the hold the Health Care Industry has on our economy? It is really very simple. We must use one of the few freedoms we have left: Boycott these industries that have been overcharging us for years. And give up the naive notion that your elected representatives will negotiate a fairer deal(for you and me) with the industries that paid to put them into office.

Now, I know what you’re thinking. You’re thinking, “If I give up my current health insurance and something happens to me or one of my family, we’d be sunk!” You have a point, there.

It’s a shame to live in fear of something, out of your control happening to you, isn’t it? But what about the elements of your health that you CAN control? So much of our long term disability develops from simple everyday choices we make that lead to our weight gain, or whether we smoke, whether we drink too much. These are all controllable if we choose. I choose — do you?

Are you doing everything you can to reduce your need for health care? There are many peer-reviewed medical studies showing the health benefits of a primarily vegetarian diet, combined with daily cardiovascular exercise, being very effective at reducing bad cholesterol, lowering high blood pressure, maintaining a healthy weight, etc. Are you availing yourself and your family of these proven do-it-yourself healthcare measures?

Both Health Reimbursement and Health Savings Accounts Offer More Treatment Options and Lower Costs

If you can afford to enroll in a Health Savings Account and live with a $5000 deductible health insurance policy, this has many advantages, not the least of which is slashing the tribute you pay for unused medical care you will get through a standard health care policy. If you are in a high-risk profession where major injury is possible, then this may not work for you. For most people, however, it will.