1. It’s not about “needed care won’t be denied “. It’s about implementing the MOST COMPLICATED OPERATIONAL TRANSITION in the history of the world. Moving from the mixed system we have today to a system that is run by the feds is a lot harder than implementing high speed rail. Who does it ? How do they do it. What’s the actual plan ?
Anyone who thinks the transition can happen in two years is an idiot. Truly. This will be so complicated, if it’s done in ten years, with only a few dozen patients getting lost in the system and dying , it would be a miracle.
Companies have a hard time restructuring in two years. You are asking thousands of hospitals, thousands more clinics, practices , and doctors to restructure how they do business.
You are asking EVERY BUSINESS IN THIS COUNTRY , to restructure how they do benefits. It’s easy to say they won’t have to do anything. BUT LET ME GIVE YOU AN ABSOLUTE FACT.
BIG COMPANIES WONT CHANGE THEIR BENEFITS PLANS TO SAVE THEMSELVES TENS OF MILLIONS OF DOLLARS OR MORE, because dealing with care navigation can be difficult. Where in that legislation is there a transition plan for patients to move from the care they are getting today to what is available via your legislation ? Do you really think those hospitals getting paid a premium to do things that only our hospitals can do are just going to accept a fraction of the amount for patients they already have ? Where is your plan for these patients ?
Who helps them when companies disband their benefits people and their TPA/Care Navigation people are fired because the Feds are now in charge ?
2. CBO Projections are ALWAYS WRONG. It is literally impossible to get the projections right. What happens if they are off by tens or hundreds of billions of dollars ?
3. How many years of litigation do you think there will be ? Have you noticed the shifts in our courts and the reality you face there ?
Then of course there are the political realities. Now and in the uncertain future.
Legislation is not a plan. Implementation is not easy. Leadership for anything like this is hard to hire. There are so many challenges that no one in your party even begins to address
There is a path to universal care. But as I have posted,IMO, it starts with either Breaking Up the Big Medicine bill and/or working with the largest employers and providers to eliminate the friction and cost of all the middlemen involved.
Employers don’t know the price of medical care from big hospitals.
Employers don’t know how much their insurance company pays those hospitals or providers for that same care
If you don’t know the price, and you don’t know what your insurance company paid for that care.
How do you know if what your employer should be paying the insurance company for that care ?
You don’t.
Spread pricing from insurance conglomerates is an enormous tax on employers.
Direct Contracting is the answer. It most cases, it costs so much less, the employer can eliminate the employee out of pocket cost !
And
The hospital/provider will make more money with the insurance conglomerate out of the middle.
https://t.co/IjW3BsvfN1 for direct contracts you can use.
There’s no shortage of reasons to be frustrated with insurance plans. Narrow networks. Prior auth. Opaque benefits.
But they are not the primary drivers of rising healthcare prices.
The financial data do not support that narrative.
Hospitals consistently maintain higher net revenue margins than insurers. See the work by @SalpyKanimian (PMID: 38915812). If one sector is capturing outsized surplus, it is not the one most people reflexively blame.
And if the goal is truly to “break up big medicine,” the focus cannot stop at payers. It has to include delivery consolidation. When a single health system dominates a city, buys up physician practices, controls referral streams, and becomes the largest landowner in town, prices go up. That is basic monopoly economics.
There is broader economic fallout as well. Research by Zack Cooper and colleagues, and more recently by Brot-Goldberg (DOI 10.3386/w32613), shows that when hospital systems consolidate, local economies suffer. Job growth slows. Business dynamism declines. Healthcare becomes a tax on the rest of the productive sector.
So yes, scrutinize insurers. But if we are serious about lower prices and more competition, we cannot ignore hospital market power.
Nailed it. The big insurance companies and their subsidiaries get revenue and cost certainty from the government and push the risk to the independent physicians, pharmacists and patients. The people who can’t afford to fight back.
They are Too Big To Care
ObamaCare fraud was created by Congress and can only be fixed by Congress:
Open the books—grant broad access to ObamaCare transactions and usage data—and let the public help detect and deter subsidy fraud.
Invigorate healthcare markets: let patients control their healthcare dollars, let providers compete on a level playing field, let insurers offer plans that consumers actually want, and deregulate and unburden all players.
Hundreds of millions of Americans want better health and lower prices, while countless “builders” are eager to compete, innovate, and earn returns. Their hands are tied by ObamaCare.
Only free markets, free people can unleash American dynamism in healthcare and deliver true access and affordability for all.
The real health insurance scam is that they know as their deductibles go up, fewer people can afford to use their insurance. Which means they don’t have insurance. Despite having to pay premiums.
It may sound counter intuitive , but if you can’t afford your deductible, you MIGHT be better off not getting insurance. When you need care, primary, preventive or worse, your doctor or hospital has financing plans.
And, their cash price that they finance will be cheaper than what your insurance company or employer negotiated
There is still a lot of work to be done before this is easy and convenient. But it’s starting to happen.
Now is the time to find a doctor who is willing to work with you directly and let you pay them directly. See what works for you.
This isn’t a perfect approach , so All feedback welcome !