Health care plans on the back of a napkin

My daughter-in-law sent me a link to this article from The Back of the Napkin Blog that sums up the health care debate in terms anyone can understand.

For those who are worried about tax increases, consider this:
WhyReform

If I am presently employed and covered, I will pay more for insurance under all proposed plans.

So why should we reform insurance? Because health care costs are already bankrupting the country and if we do nothing now, it’s going to cost much more very soon.

The writers sum it up very nicely for us:

When all is said and done, there are really only three essential questions we need to ask ourselves in order to know how we should individually feel about insurance reform: first, should paying for our health be a profit-driven business? Second, since change is coming no matter what, how do we want to pay for it: as profits for insurance company shareholders or as taxes to the government? Third, will we be better off by continuing to shout at each other, or by listening and thinking?

Two things to remember: one, it is neurobiologically impossible to shout and think at the same time. Two, there are influential parties in this debate who do not want us to listen or think. Ask yourself who stands to gain the most by encouraging us not to think, and you’ll know which option you are for.

  1. #1 by Larry Bergan on August 22, 2009 - 3:43 am

    Oops. Shouldn’t that be 2000 ‘5 ’10 ’15.

    But the chart is certainly believable.

  2. #2 by Becky Stauffer on August 22, 2009 - 4:37 am

    Oops. Well, there’s no undo on the back of a napkin. :)

    • #3 by Larry Bergan on August 22, 2009 - 12:32 pm

      You can’t throw them in the washer either.

  3. #4 by Kafkaesque on August 22, 2009 - 6:11 am

    Back of napkin, perfect for nation of apparent nincompoops.

    Health care is going to cost us more simply because of demographics, almost half the nation is a senior citizens. Any projection of costs dreamed up by governent are an absolute joke, to wit, Obama’s projected plans combined and their cost over 10 years are to cost 10 trillion, not the expected 8.

    I love it, something of this complexity on a napkin. No wonder we have so many unresolved problems.

  4. #5 by Larry Bergan on August 22, 2009 - 12:30 pm

    Kafkaesque thinks we should “stay the course.”

  5. #6 by Becky Stauffer on August 22, 2009 - 4:46 pm

    Glenn/Kafka,

    Look at that chart again. Whether we do nothing or we do something, costs are going to escalate. The point of this little exercise is not to say the problem is simple, but just to stand back and take a look at the forest. The whole health care discussion is so bogged down in the bits and pieces, we as a nation seem to have lost all perspective.

    But of course, as the resident naysayer, you have to take that position. If I disputed the blog, you would sing its praises. Don’t you ever get tired of your self-imposed role, Glenn?

  6. #7 by Devvy on August 22, 2009 - 5:09 pm

    Any comment on getting the kind of plan our representatives in government get? Why would representatives of, for, and by the People get anything more than the People. An answer is required from you if you wish to continue to shill for this crap plan.

    Why are so willing to settle for a crap plan? Do you think these shitheels in congress are better and somehow more deserving than yourself? If so, why? If you accept this crap plan this is what you will be getting. Demand that the system you get is the system your representation gets.

    Not too hard to follow is it Becky?

    To answer for Glenn, though he may not be present, nope.

  7. #8 by brewski on August 22, 2009 - 8:02 pm

    I was watching that well known astroturfer right wing corporate Christian nutbag Bill Moyers last night. He was pretty much detailing how the current health care bills have been bought and paid for by the drug industry and the AMA. He listed exactly how much they were spending on lobbying, advertising and what special concessions they have extracted from Congress.

    So if you don’t believe me and any of my sources, how about Bill Moyers? Does he count as a legit progressive? Are his criticisms legit? Does it bother you that they are exactly what I have been saying here for weeks?

  8. #9 by cav on August 22, 2009 - 8:23 pm

    “…the kind of plan our representatives in government get? Why would representatives of, for, and by the People get anything more than the People. An answer is required from you if you wish to continue to shill for this crap plan.

    Why are so willing to settle for a crap plan? Do you think these shitheels in congress are better and somehow more deserving than yourself? If so, why? If you accept this crap plan this is what you will be getting. Demand that the system you get is the system your representation gets.”

    I’m beginning to think this Devvy, is one informed, well-spoken (aside from a few ‘craps’ here and ‘shitheels’ there – but who am I to talk down to this?), and useful commenter.

    Thanks for the insights, Devvy.

  9. #10 by brewski on August 22, 2009 - 8:34 pm

    By the way, Obama did promise us the same plan Congress gets. Why is the media forgetting this? Where are the gotcha! “journalists” now?

  10. #11 by cav on August 22, 2009 - 8:47 pm

    “The nearest thing we have to a death panel in the United States is an insurance company claims adjuster.”

    Roger Ebert

  11. #12 by Ronald D. Hunt on August 22, 2009 - 11:11 pm

    interesting link on this subject.

    Developing World’s Parasites, Disease Hit U.S.

  12. #13 by Ironical Chronicle on August 23, 2009 - 4:07 pm

    The final coffin nail for a crap plan?

    http://news.yahoo.com/s/ap/20090823/ap_on_go_co/us_health_care_overhaul

    This isn’t the A’freakin Lyin’ you were talking about is it Cliff?

  13. #14 by Richard Warnick on August 24, 2009 - 9:38 am

    There’s been a lot of discussion of the uninsured, now around 52 million according to a study by the North Carolina Institute of Medicine. Yesterday Senator Orrin Hatch claimed it was “only” 15 million.

    What’s just as alarming is the millions of insured people going bankrupt due to medical expenses. For-profit health insurance is a scam.

    Jane Hamsher has a petition to save the public option, our only hope of meaningful health care reform this year.

  14. #15 by brewski on August 24, 2009 - 10:34 am

    Richard, there are for profit and not for profit health insurers out there basically providing the same product in the marketplace. The behavior of the not for profits is the same as the for profits. The problem lies not in whethere the insurance is for profit or not for profit. Either way there are still the problems of free riders, moral hazard, cost shifting, etc. Dealing with these phenomena are key to the solution and a single payer plan goes a long way with most of them.

    • #16 by Richard Warnick on August 24, 2009 - 12:14 pm

      Maybe I should have said private health insurance is a scam. You already know I agree with you about single-payer.

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