There is a big discussion in our government lately and Healthcare Reform is it’s buzzword. The idea seems to be to make the current healthcare system work. I’m not entirely sure why the federal government keeps trying to prop up failing industries. It’s like they are saying we must preserve a way of life that doesn’t work. Perhaps they are just hoping that the rest of the country will not notice how much the government is failing.
We the people have a chance to have a say in how Healthcare is Reformed. There is talk of preventative care becoming the norm, and reducing costs, however most “preventative” care has actually raised costs because it doesn’t actually prevent anything, it’s usually just screening everybody for a large fee and in many cases does more harm than good (link). Early detection is not prevention.
Preventative care is treatment that can actually keep you from having health problems, rather than just finding them early. I would like to see insurance companies pay for vitamins, chiropractic maintenance care, and gym memberships if they are serious about preventative care. Of course that’s not really realistic, but I can, hope for change, and even promote good ideas. Which brings up a bad idea, health insurance has shown it’s self to be unsustainable. The costs grow too rapidly to allow this method of payment to survive.
We just bailed out the banks and the auto industry. Will we bail out health insurance companies next. Are they “too big to fail?” We should stop propping up failed models and start coming up with new ideas. Perhaps a wellness plan where you pay until you get sick. That motivates providers to keep you well, or my favorite, health savings accounts where instead of spending $600+ a month ($7200+ each year) in premiums the person saves money that they can spend when they need it. They can pay cash and providers will have to decide how much their services are really worth. There is still a place for insurance. It’s for disasters and rare circumstances such as broken limbs or cancer, or long term care. Share your ideas, or debate mine. What ever you do speak up, here on my blog is a good starting place.
And here are two free ways that you can have your voice heard in this reform debate:
The time to speak up is now, when ideas count, not later in a complaint!