The Health Insurance Game: Why the health system is broken
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What would single payer cost you each year?
What Single-Payer Advocates Stand For
The U.S. spends about twice as much on health care per person compared to all other developed countries. Yet our life expectancy is lower, our infant mortality higher, and our overall health poorer. More than 45,000 Americans die each year because they lack health insurance. Currently, 31% of every healthcare dollar is spent on costs that have nothing to do with health care. We strongly believe that it is morally wrong to allow other Americans to suffer or die because they cannot afford to pay for health care.
Single payer, an improved "Medicare for All", is publicly funded and privately delivered health care. It is a system in which a single public or quasi-public agency organizes health financing, but delivery of care remains largely private. This is similar to how Medicare works in this country. Doctors are in private practice and are paid from government funds. Patients are free to choose their health care practitioner, hospital or clinic.
Everything can be done more efficiently and at less cost without for-profit health insurance companies. Over 90% of Americans would pay far less with a single payer system. Estimates on savings range from $350 billion to $400 billion per year. That's more than enough to provide comprehensive health care to everyone without paying any more into health care than we already do.
Medicare Pays for More than Health Care for the Elderly. It pays for
1. The sickest Americans: the elderly and the disabled
2. Most medical residencies
3. Most durable equipment for many hospitals
For-profit health insurance companies do NOT pay for any of this.
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Health Care For All - Texas
Texans for a National Health Program
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Healthcare Reform Updates
Political Economy Professor Gar Alperovitz says that for-profit health insurers cause the waste of a trillion dollars a year by creating unnecessary expenses but don't create a better healthcare system than those in other nations who have national health insurance programs. Read the entire article . Germany reports a 400 billion euro ($5.28 billion dollars) SURPLUS with their national health insurance program. Commonwealth Fund: August Issue Brief: U.S. continues to greatly outspend other industrialized nations (without for-profit health insurers) but medical outcomes are the worst, near worst or only slightly better than a few other nations. Read the report here. The Commonwealth Fund found Medicare Advantage plans cost more but don't deliver. Read the Report.
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HCFAT members will present on single-payer to your organization.
On May 14, 2010, Health Care for All Texas participated in a debate, "Is Health Care a Right?", sponsored by the Benjamin Rush Society, a conservative medical student organization promoting free market solutions to our health care crisis. Read the opening and closing remarks made by our two single payer panelists, Leonard Zwelling, MD, MBA and Christine Adams, PhD. In Texas, 1 in 4 people are uninsured and almost 1 in 3 adults between the ages of 19 and 64 are uninsured. Less than 33% of small businesses offer health insurance. Fewer than half of all Texans get their insurance through an employer Health insurance companies operating Texas must justify their premium rates to the Texas Department of Insurance, which also handles complaints from consumers about health insurance plans. If you have questions about the fairness of your health insurance premiums, contact the Texas Deptartment of Insurance. Here are the definitions for "justified complaints."
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Gerald Friedman, prof. of economics U of Mass-Amherst, says that America's health care system is collapsing. In a series of articles, Dr. Friedman makes the case that most economists approach health care the wrong way by treating it like a commodity. He explains how we pay twice as much as any other country for health care but our money doesn't go to improving the health care we get. Instead we have excessively inflated administrative burdens while ever more Americans are denied access to health care. Dr. Friedman's article "Funding a National Single-Payer System" lays out how "Medicare for All" would save billions of dollars each year and improve the care we get.