Thursday, August 28, 2008

What does Health Care Obamanation mean to you?


We've seen the ads. Is there anything in them that actually tell us what the state of health in the U.S. is? What do we really know about the uninsured, and if we knew, would it make any difference to the politicians or to the voters?

The percent of uninsured rose a bit in the U.S. during the Clinton years, dipped slightly in early 2000s (probably from SCHIP, a new program of the late 90s) and now rests at about 14-16% of the population (virtually unchanged in 20 years), depending on which source you use, the U.S. Census CPS and SIPP reports being the most accurate with the longest record. The actual numbers are up because the population has increased, so that's what will be cited in political ads and speeches. No politician will stand at a podium and say, "Despite all our promises and all the taxes you've paid, we're no further along on this than we were 30 years ago because we're inefficient, pork-fed pols who need poor people in order to get elected." However, only about half of that small group are uninsured for a whole year, and the Congressional Budget Office estimates about 16% of the uninsured go for 24 months without insurance. If it’s your family and you’re paying out $1000 a month to COBRA to your new plan, even one month is too long. It’s a bit like rejoicing that military deaths are far lower today than 20 years ago when there was no war. If it’s your son or daughter who died in Iraq, that’s not much comfort.

Who is uninsured? Actually, it’s the youngest (19-24, who also tend to be the people with “it will never happen to me” attitude), better educated, married, and higher income people who are more likely to go without insurance. Some people who claim to be uninsured on surveys actually have it through a government program (Medicaid or SCHIP), and some people who are eligible, don’t apply, and some who could have it through their employment, don’t choose it because they don’t want the co-payment.

Also, being uninsured does NOT mean a person gets no health care. If you've ever been to the ER, you know that. We all wait together. The uninsured may not seek care as early as they should, however, and that might cause problems down the road. Most of the political ads I’ve seen about health care actually involved people who had insurance (like Obama’s mother, or Hillary’s examples), but they were brought up as examples of the need for it to be “universal,” lessening what you and I have, and increasing what others have.

Still, with a new hurricane approaching New Orleans and all the reminders of stranded people, drowning buses, a racist mayor wanting a chocolate town, and a woman governor who didn’t know when to say “help,” I really can’t imagine that we want to FEMA-tize our health care.

1 comment:

Anonymous said...

Looking at that chart over time I am reminded that my children as young adults chose not to sign up for their employers plan; both were in auto accidents. A tough time because of the scare, but there was no problem getting care. Trial lawyers were a much bigger problem than health care when we attempted to go after the uninsured drivers who caused the accidents.

Norma