If Private Sector Is Better at Solving Health Insurance Crisis, What’s Stopping It?

Here’s a fundamental fact, maybe the fundamental fact, that has been obscured in the debate over health insurance reform: We wouldn’t need a government option if the private sector had a plan for covering everyone, and the only reason the plans don’t cover everyone is greed.

The bottom line for the health-insurance industry is that it is cheaper to kill reform than it is to solve the crisis.

Think about it. The health companies have had since they killed the Clinton plan in 1993 to get their collective act together. Instead, premiums are up, fewer people are covered and the public’s collective health and well-being is in decline.

Conservatives assert that only the private sector can solve the insurance crisis — an assertion that ignores the fact that the military, veterans, federal workers and members of Congress, including even Republican congressmen — are covered by government-run plans that perform comparatively well.

Still, let’s assume for a moment that what conservatives say is true — that only the private sector can fix the problem — then here is a question:

What is stopping it?

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Let’s Talk About Rationing Health Care

In every argument I hear against so-called health care rationing, I think of this very well-said piece by the editor of The Week magazine, William Falk, about his own father’s ordeal.

Medicare paid upward of $20,000 for these last days of my father’s life, during which he received little comfort, moments of agonizing pain and fear, and all the medical care in the world, and then some.

When my father went back to the hospital a year ago, he was clearly close to the end: His lungs and liver were barely functioning, his abdomen was filling with fluid, and he could no longer lift himself out of bed. The hospital’s doctors none­theless treated him aggressively, punching a hole in his chest to insert a drainage tube, which quickly led to uncontrolled bleeding, an infection, and a plunge in blood pressure. Within 12 hours, my father was in a coma, with no chance of recovery, sustained only by a ventilator and a tangle of multiple IV drips. He spent four days in the ICU, until I overcame the resistance of two doctors and had the machines turned off, as per my dad’s living will. Medicare paid upward of $20,000 for these last days of my father’s life, during which he received little comfort, moments of agonizing pain and fear, and all the medical care in the world, and then some.

In the historic debate over health-care reform now beginning in this country, we will hear much talk of “rationing.” If health care is rationed, we’ll be told, we may be denied drugs or surgeries or treatments based on cost, effectiveness, or the patient’s condition or age. It sounds cold and heartless, except when you consider that the only real alternative to rationing is unlimited medical treatment—including a refusal to “lose” the battle with death even when death is near. Unlimited care, of course, requires unlimited spending, which is not viable. Rationing in some form is inevitable; the only question is when we’ll finally be able to admit to ourselves that even in America, there are limits to everything.

My father had a close call about a year and a half ago, and was put on a ventilator for a day. After that, he made my sister and me promise he would never be ventilated again, ever. What worries me is that with the mind-set we see now in health care — to do everything, even when it’s no longer therapeutic but just dragging out the dying process — we might not be able to keep our promise.

So many older people save their whole lives and plan to leave something to their families. Instead, at the very end, in the last few days, every penny is spent on stupid, useless procedures because the loved one was admitted to a hospital instead of signing up with a hospice or just dying suddenly. It shouldn’t be this way. Many of the people who resist changing this system aren’t thinking it through because they haven’t (yet) seen this side of medicine as it’s practiced today. The rest have something to gain from keeping things the way they are, usually a slice of the massive profits.