freedomdwarf1 -> RE: 20 yr olds Medical bill...viral of the day (1/3/2014 3:28:14 PM)
|
quote:
ORIGINAL: DesideriScuri Now, here is where we agree. We all started out at roughly the same %GDP location decades ago. Then, US costs started spiraling up, up, up. Some have intoned that costs started rising with the advent of health care being made into a perk. Costs weren't railed against back then, but once business decided to use it as a perk - which is how they got around the wage caps government instituted - and government started doling out the tax preferences towards it, costs really started to go up. But, if costs aren't going to decrease, the US will continued to spend 9+%GDP more than anyone else, with costs just shifting to the taxpayers. What's the point of that? They will decrease, in relative terms. If the US price rise by 15%, those self-same items will only rise by 2-4% in the single payer system because they can, to a point, dictate the final price. As time goes by, those differences in the increased prices will start running into multiples and orders of magnitude that we see today. So yes, they are increasing, in a literal $$ sense. But when compared to GDP or average cost demanded by insurance companies, they will actually be decreasing. And it's not a direct shift from personal pocket to government purse as you seem to see it. The NI would be applicable across the board, from coast to coast, as a percentage figure, not a fixed sum. So the more you earn, the more you pay in actual $$'s. Lets take an example (all guestimated figures) of where the US is going wrong... Joe Average earns $30k/pa. At present, probably paying something in the region of 3k/pa just in insurance premiums. On top of that he's paying $50 a pop to visit his GP, $100 for a trip to ER. So for an average year he's spending probably $600+ in GP visits and $100 for the hospital. On top of all this, he has to pay his deductibles and prescription costs and for any treatment he has. What do you think his average yearly healthcare is costing him? I'm guessing (in round figures), around 5k in total. That would be just over 16% of his wages. Now lets take mega-CEO earning 300k/pa in exactly the same position as Joe Average. He has a slightly more expensive healthcare plan. But, he writes off the cost of it from his taxes so it doesn't really cost him a bean. Same costs for hospital and GP visits. His total out-of-pocket expenses is 2k. That's barely 0.7% of his salary. Total $$'s into the healthcare pot would be $7,000. Is that system fair?? I don't think so. Under the single-payer system, they would each pay, let's say 10% of income. Joe Average would pay his 3k in NI. No more GP or hospital costs. Total cost for Jow Average would be just 3k plus medication - that's 10% of his income. CEO would pay 30k in NI plus his medication just like Joe Average. Total $$'s into the healthcare pot would be $33,000. See the difference?? You'd get an extra $26,000/pa from those 2 people alone. Now multiply that by, say 60% of the population that are working and maybe only 70% of the workforce are eligable for NI payments?? That would be something in the order of nearly 140 million people paying into the healthcare pot. Now you have the buying power to dictate the cost of drugs to big pharma and demand a 70% reduction in price. They still make loadsa profit because they would sell more units, albeit at a lower per-unit cost. Now factor in the fact that you don't need any advertising or PR costs - that'll save $$millions. See how this all works desi? Sure, the extra costs involved would come from the public purse if needed. But the majority of the costs would be covered and maybe even have some profits. End cost to the user? Just 10% and it would be faily distributed across the board. The richer people would pay considerably more $'s and the average person would be a lot better off. Big pharma wants to raise the prices by 10%?? No problem. 10% of a 70% reduced cost of meds is shitloads less $$'s than what they are wanting for the private insurance. That's about as good as I can explain it for now. All hypothetical figures used as an example to show how it it works.
|
|
|
|