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	<title>Comments on: You Do Not Have Health Insurance</title>
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	<description>What happened to the global economy and what we can do about it</description>
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		<title>By: Luis Bacon</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-24907</link>
		<dc:creator><![CDATA[Luis Bacon]]></dc:creator>
		<pubDate>Fri, 21 Aug 2009 02:46:30 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-24907</guid>
		<description><![CDATA[I am replying about healthcare and the high cost. I have been married to a Family Practice Medical doctor for over 14 years and my family havn&#039;t had any medical insurance due to the high cost. My wife has a solo practice with 3 employees including me, and the cost for a medical plan was too extreme. We have tried a plan paying over $1500 a month and it was horrible experience trying tyo see a doctor or a dentist so, we dropped it and have been paying in cash. When we planned to take the family to South America to visit family my Uncle who is a airline pilot informed me it would be best if we had a insurance plan to protect me and my wife and kids if we happen to get sick on the trip. I was informed of the bad water and germs that can be easy to catch and i once when i was single i got yellow Fever and with a bad Insurance i suffered weeks of pain. We searched two global insurance companies and decided to go with Pacific Prime which gave us a good price and made me feel protected. Actually i was glad to have  a insurance but hoping not to have to use it so the trip will go well. Everything went well until my son got a bad sun burn that we had to rush him to a hosipital. His back was totally red and burning and i was a wreak worrying what we will have to encounter  with the hospital and getting him treated. on the way to the hospital i called Pacific Prime&#039;s number and  was told what to do and what to say. Everything went as well as possible, i cant compare the experience to another time but everything moved forwards and my son was treated smoothly. One thing i will say is that on our next trip it will be a must to be insured before we take off.
good luck, Luis]]></description>
		<content:encoded><![CDATA[<p>I am replying about healthcare and the high cost. I have been married to a Family Practice Medical doctor for over 14 years and my family havn&#8217;t had any medical insurance due to the high cost. My wife has a solo practice with 3 employees including me, and the cost for a medical plan was too extreme. We have tried a plan paying over $1500 a month and it was horrible experience trying tyo see a doctor or a dentist so, we dropped it and have been paying in cash. When we planned to take the family to South America to visit family my Uncle who is a airline pilot informed me it would be best if we had a insurance plan to protect me and my wife and kids if we happen to get sick on the trip. I was informed of the bad water and germs that can be easy to catch and i once when i was single i got yellow Fever and with a bad Insurance i suffered weeks of pain. We searched two global insurance companies and decided to go with Pacific Prime which gave us a good price and made me feel protected. Actually i was glad to have  a insurance but hoping not to have to use it so the trip will go well. Everything went well until my son got a bad sun burn that we had to rush him to a hosipital. His back was totally red and burning and i was a wreak worrying what we will have to encounter  with the hospital and getting him treated. on the way to the hospital i called Pacific Prime&#8217;s number and  was told what to do and what to say. Everything went as well as possible, i cant compare the experience to another time but everything moved forwards and my son was treated smoothly. One thing i will say is that on our next trip it will be a must to be insured before we take off.<br />
good luck, Luis</p>
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		<title>By: willvis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23871</link>
		<dc:creator><![CDATA[willvis]]></dc:creator>
		<pubDate>Thu, 13 Aug 2009 14:24:20 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23871</guid>
		<description><![CDATA[I agree.  I am a self-employed small business owner and so is my wife.  We work hard, pay taxes and are not eligible for ANY government handouts.  But for Christ&#039;s sake, let&#039;s get it together on health care.]]></description>
		<content:encoded><![CDATA[<p>I agree.  I am a self-employed small business owner and so is my wife.  We work hard, pay taxes and are not eligible for ANY government handouts.  But for Christ&#8217;s sake, let&#8217;s get it together on health care.</p>
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		<title>By: willvis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23870</link>
		<dc:creator><![CDATA[willvis]]></dc:creator>
		<pubDate>Thu, 13 Aug 2009 14:22:26 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23870</guid>
		<description><![CDATA[There is so much more debate about this issue than there ever was about going to war in Iraq.  We are a morally conflicted nation.  Pump every available resource into a pointless, dangerous folly.  But try and insure the uninsured?

Riots!  Brother against brother!  Mayhem at the Town Hall!

I say all Americans on Medicare and Medicaid voluntarily give up their benefits as a symbol of their dedication to the fight against demon Socialism.]]></description>
		<content:encoded><![CDATA[<p>There is so much more debate about this issue than there ever was about going to war in Iraq.  We are a morally conflicted nation.  Pump every available resource into a pointless, dangerous folly.  But try and insure the uninsured?</p>
<p>Riots!  Brother against brother!  Mayhem at the Town Hall!</p>
<p>I say all Americans on Medicare and Medicaid voluntarily give up their benefits as a symbol of their dedication to the fight against demon Socialism.</p>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23847</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Thu, 13 Aug 2009 07:53:11 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23847</guid>
		<description><![CDATA[reminds me there was quite a brouhaha some years ago that remote hip replacements would open a new age of excellence, give small hospitals access to the market, eliminate human fallibility etc. 
If I remember correctly some of those surgeries had &quot;little flaws&quot; with bad consequences for the human guinea pig and it&#039;s a long time that I have heard no bragging about this branch of technology advance]]></description>
		<content:encoded><![CDATA[<p>reminds me there was quite a brouhaha some years ago that remote hip replacements would open a new age of excellence, give small hospitals access to the market, eliminate human fallibility etc.<br />
If I remember correctly some of those surgeries had &#8220;little flaws&#8221; with bad consequences for the human guinea pig and it&#8217;s a long time that I have heard no bragging about this branch of technology advance</p>
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		<title>By: Yakkis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23818</link>
		<dc:creator><![CDATA[Yakkis]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 23:55:44 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23818</guid>
		<description><![CDATA[Absolutely brilliant Silke.  In this age of remote surgery, why not have a kind of ebay for doctors?

http://en.wikipedia.org/wiki/Remote_surgery]]></description>
		<content:encoded><![CDATA[<p>Absolutely brilliant Silke.  In this age of remote surgery, why not have a kind of ebay for doctors?</p>
<p><a href="http://en.wikipedia.org/wiki/Remote_surgery" rel="nofollow">http://en.wikipedia.org/wiki/Remote_surgery</a></p>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23813</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 23:16:23 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23813</guid>
		<description><![CDATA[wasn&#039;t it in your country (or was it England) where once upon a time there were private firemen companies who would compete who would get the fire sometimes getting into a fight with eachother while the fire kept burning

so why not introducing competition to the health care system by putting an appendicitis up for auction? Never mind that the patient might die while the betting goes on as long as it would be a sure way to lower prices.]]></description>
		<content:encoded><![CDATA[<p>wasn&#8217;t it in your country (or was it England) where once upon a time there were private firemen companies who would compete who would get the fire sometimes getting into a fight with eachother while the fire kept burning</p>
<p>so why not introducing competition to the health care system by putting an appendicitis up for auction? Never mind that the patient might die while the betting goes on as long as it would be a sure way to lower prices.</p>
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		<title>By: Yakkis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23812</link>
		<dc:creator><![CDATA[Yakkis]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 23:10:42 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23812</guid>
		<description><![CDATA[Right MB, and don&#039;t forget the legions of staff that every doctor must employ in order to deal with the insurance companies.  What will happen to them?  

And what about the vast battalions of lawyers who defend the insurance companies?  What about the ones who make a living suing them?  And what about THEIR support staffs?   

And how about all the people in billing departments at hospitals who negotiate with the insurance companies?  And all the HR people in companies who negotiate with them?  

Who will stop the catastrophic deflation in the price of health care if these people engage in other productive activities?]]></description>
		<content:encoded><![CDATA[<p>Right MB, and don&#8217;t forget the legions of staff that every doctor must employ in order to deal with the insurance companies.  What will happen to them?  </p>
<p>And what about the vast battalions of lawyers who defend the insurance companies?  What about the ones who make a living suing them?  And what about THEIR support staffs?   </p>
<p>And how about all the people in billing departments at hospitals who negotiate with the insurance companies?  And all the HR people in companies who negotiate with them?  </p>
<p>Who will stop the catastrophic deflation in the price of health care if these people engage in other productive activities?</p>
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		<title>By: Yakkis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23811</link>
		<dc:creator><![CDATA[Yakkis]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 23:04:23 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23811</guid>
		<description><![CDATA[And I have a problem with the government providing fire departments.  This tends to discourage competition among private firemen, leading to lazy and inefficient government firemen who don&#039;t even know how to hold a fire extinguisher.]]></description>
		<content:encoded><![CDATA[<p>And I have a problem with the government providing fire departments.  This tends to discourage competition among private firemen, leading to lazy and inefficient government firemen who don&#8217;t even know how to hold a fire extinguisher.</p>
]]></content:encoded>
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		<title>By: Yakkis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23809</link>
		<dc:creator><![CDATA[Yakkis]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 22:59:41 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23809</guid>
		<description><![CDATA[Don&#039;t worry Rich and Kim!  The health-insurance lobby is on it, and they will swoop down with capes and cargo containers full of cashola, and save the day!]]></description>
		<content:encoded><![CDATA[<p>Don&#8217;t worry Rich and Kim!  The health-insurance lobby is on it, and they will swoop down with capes and cargo containers full of cashola, and save the day!</p>
]]></content:encoded>
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		<title>By: Josh</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23805</link>
		<dc:creator><![CDATA[Josh]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 22:45:27 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23805</guid>
		<description><![CDATA[I don&#039;t have any real disagreements with the points made in the piece above... but why the solution to the problem needs to be government run is beyond me. If the goal is universal health care regardless of health status, then why can&#039;t regulations be written that way without creating/enlarging a government provider? I have no problem with regulating insurance companies... I have a problem with the government BEING an insurance company.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t have any real disagreements with the points made in the piece above&#8230; but why the solution to the problem needs to be government run is beyond me. If the goal is universal health care regardless of health status, then why can&#8217;t regulations be written that way without creating/enlarging a government provider? I have no problem with regulating insurance companies&#8230; I have a problem with the government BEING an insurance company.</p>
]]></content:encoded>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23797</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 22:06:15 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23797</guid>
		<description><![CDATA[Rating for that is way beyond AAA
says great-granddaughter of a village teacher]]></description>
		<content:encoded><![CDATA[<p>Rating for that is way beyond AAA<br />
says great-granddaughter of a village teacher</p>
]]></content:encoded>
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	<item>
		<title>By: Paula</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23795</link>
		<dc:creator><![CDATA[Paula]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 21:51:59 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23795</guid>
		<description><![CDATA[MB,

I am not an expert on the economic impact of single-payer, but it seems to me that there would be lots of new jobs created that could easily be filled by the displaced workers at insurance companies. I haven&#039;t heard any discussion of this idea.]]></description>
		<content:encoded><![CDATA[<p>MB,</p>
<p>I am not an expert on the economic impact of single-payer, but it seems to me that there would be lots of new jobs created that could easily be filled by the displaced workers at insurance companies. I haven&#8217;t heard any discussion of this idea.</p>
]]></content:encoded>
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	<item>
		<title>By: MB</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23793</link>
		<dc:creator><![CDATA[MB]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 21:45:36 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23793</guid>
		<description><![CDATA[This is a great explanation, thanks. The point about health reform being regarded as a poverty program for &#039;other people&#039; is important. But what about Medicaid actually being a poverty program? Lifting the burden of Medicaid from state budgets seems like an all around good deal if genuine health reform was really on the table (thus eliminating a poverty program as well as complaints about it).

I&#039;m wondering if you can address an issue about the economic impact if this country actually did create universal healthcare and put health insurance companies out of business. Many people would lose their jobs and that would be an issue, esp for regions where health insurance companies are major employers. Would it be like the impact of shutting down a military base? Can the methods used to manage base closings be applied to manage the shut down of health insurance companies? The reason I ask is that genuine health reform threatens health insurance companies, which threatens the people employed by them, and which gets in the way of this country having a fully informed debate about all options for achieving universal healthcare. Our political leaders won&#039;t touch this issue but citizens can ask about it. What would be the impact of this country losing for-profit health insurance companies? Can that impact be measured and can the transition be managed? On the upside, health insurance employees might lose their jobs but with universal coverage they wouldn&#039;t lose their healthcare :-)]]></description>
		<content:encoded><![CDATA[<p>This is a great explanation, thanks. The point about health reform being regarded as a poverty program for &#8216;other people&#8217; is important. But what about Medicaid actually being a poverty program? Lifting the burden of Medicaid from state budgets seems like an all around good deal if genuine health reform was really on the table (thus eliminating a poverty program as well as complaints about it).</p>
<p>I&#8217;m wondering if you can address an issue about the economic impact if this country actually did create universal healthcare and put health insurance companies out of business. Many people would lose their jobs and that would be an issue, esp for regions where health insurance companies are major employers. Would it be like the impact of shutting down a military base? Can the methods used to manage base closings be applied to manage the shut down of health insurance companies? The reason I ask is that genuine health reform threatens health insurance companies, which threatens the people employed by them, and which gets in the way of this country having a fully informed debate about all options for achieving universal healthcare. Our political leaders won&#8217;t touch this issue but citizens can ask about it. What would be the impact of this country losing for-profit health insurance companies? Can that impact be measured and can the transition be managed? On the upside, health insurance employees might lose their jobs but with universal coverage they wouldn&#8217;t lose their healthcare :-)</p>
]]></content:encoded>
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		<title>By: kim.brew@medtronic.com</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23790</link>
		<dc:creator><![CDATA[kim.brew@medtronic.com]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 21:32:26 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23790</guid>
		<description><![CDATA[My husband and I would like to comment on Mr. Kwak’s article. My husband has been in the insurance industry for almost 30 years as have I in one form or another. I am also a Registered Nurse. I have personally been involved in watching more and more government regulations imposed on the health insurance industry and the effect that it has had in increasing the cost of healthcare to everyone, including us. My additional comments are in pink.



The author thinks he sounds smart and is on to something...Yes we need health reform. We need to get the Government out of health care. That is the type of reform we need. (By the way, the government is the reason we have health coverage dispensed by employers in the first place).

The author tells us we do not have health insurance. He is correct about that, but for the wrong reasons. What we have that is referred to as health insurance, is actually a health maintenance plan. Meaning every little thing we could possible have wrong with us is a covered visit to the Doctor (this is one of the main economical problems we have with uncontrollable costs). The reason for this is due to Government mandate. In the 80’s I helped start a managed care plan here in Jax. The Federal government mandates requiring the plan to offer an extensive array of benefits were incredible as well as limitations on what the plan was able to charge in premiums and list as exclusions. 

It has been illegal to sell real health insurance (meaning coverage for unexpected high cost health issues, while the insured handles all expected smaller costs, you know individual responsibility) in all of the States for almost 20 years. That is the main driver for health care cost being out of reach of actuarial stable programs...Check with the States that have tried Government backed health care, they are all bankrupt and going down fast. Oregon tried this a few years ago and has been struggling ever since.

Our Government politicians knew exactly what they were doing in mandating first dollar coverage. It was to actually ruin the private health insurance marketplace, and they succeeded. I would have expected the economist to pick up on these real causes of the problems with health care.

Also, the nonsense about helping out the uninsured...is a fraud. The current House health care reform bills being pushed admits that under the plan they will still have something like 30 million uninsured after 10 years. If this is to take care of the uninsured, how is that possible?? Make no mistake this has nothing to do with making sure everyone has health insurance. This is all about transfer control of health care over to the Government. We already have government sponsored programs to assist the uninsured or people at the poverty level. The sad part is that there are many people who could qualify for assistance but don’t bother to sign up. They actually have to make the effort to get their government program but they don’t bother.

While the statement about difficulties with private individual insurance policies and the cobra issues are out there, the main reason for those difficulties are government coverage mandates. The actual solution to this huge problem was and is the individual health care accounts (which will be outlawed under the proposed &quot;reforms&quot;). Again the democrats/Marxists do not want the people having the power to decide what to do with their money.

Bottom-line, people want someone else to pay for the health care they should take personal responsibility for. Heck, why do that when you can get some politicians to force someone else to pay it for you???

Rich and Kim Brew]]></description>
		<content:encoded><![CDATA[<p>My husband and I would like to comment on Mr. Kwak’s article. My husband has been in the insurance industry for almost 30 years as have I in one form or another. I am also a Registered Nurse. I have personally been involved in watching more and more government regulations imposed on the health insurance industry and the effect that it has had in increasing the cost of healthcare to everyone, including us. My additional comments are in pink.</p>
<p>The author thinks he sounds smart and is on to something&#8230;Yes we need health reform. We need to get the Government out of health care. That is the type of reform we need. (By the way, the government is the reason we have health coverage dispensed by employers in the first place).</p>
<p>The author tells us we do not have health insurance. He is correct about that, but for the wrong reasons. What we have that is referred to as health insurance, is actually a health maintenance plan. Meaning every little thing we could possible have wrong with us is a covered visit to the Doctor (this is one of the main economical problems we have with uncontrollable costs). The reason for this is due to Government mandate. In the 80’s I helped start a managed care plan here in Jax. The Federal government mandates requiring the plan to offer an extensive array of benefits were incredible as well as limitations on what the plan was able to charge in premiums and list as exclusions. </p>
<p>It has been illegal to sell real health insurance (meaning coverage for unexpected high cost health issues, while the insured handles all expected smaller costs, you know individual responsibility) in all of the States for almost 20 years. That is the main driver for health care cost being out of reach of actuarial stable programs&#8230;Check with the States that have tried Government backed health care, they are all bankrupt and going down fast. Oregon tried this a few years ago and has been struggling ever since.</p>
<p>Our Government politicians knew exactly what they were doing in mandating first dollar coverage. It was to actually ruin the private health insurance marketplace, and they succeeded. I would have expected the economist to pick up on these real causes of the problems with health care.</p>
<p>Also, the nonsense about helping out the uninsured&#8230;is a fraud. The current House health care reform bills being pushed admits that under the plan they will still have something like 30 million uninsured after 10 years. If this is to take care of the uninsured, how is that possible?? Make no mistake this has nothing to do with making sure everyone has health insurance. This is all about transfer control of health care over to the Government. We already have government sponsored programs to assist the uninsured or people at the poverty level. The sad part is that there are many people who could qualify for assistance but don’t bother to sign up. They actually have to make the effort to get their government program but they don’t bother.</p>
<p>While the statement about difficulties with private individual insurance policies and the cobra issues are out there, the main reason for those difficulties are government coverage mandates. The actual solution to this huge problem was and is the individual health care accounts (which will be outlawed under the proposed &#8220;reforms&#8221;). Again the democrats/Marxists do not want the people having the power to decide what to do with their money.</p>
<p>Bottom-line, people want someone else to pay for the health care they should take personal responsibility for. Heck, why do that when you can get some politicians to force someone else to pay it for you???</p>
<p>Rich and Kim Brew</p>
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		<title>By: Yakkis</title>
		<link>http://baselinescenario.com/2009/08/05/you-do-not-have-health-insurance/#comment-23782</link>
		<dc:creator><![CDATA[Yakkis]]></dc:creator>
		<pubDate>Wed, 12 Aug 2009 20:41:51 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4585#comment-23782</guid>
		<description><![CDATA[Danke sehr fuer ihrer Gastfreundlichkeit!]]></description>
		<content:encoded><![CDATA[<p>Danke sehr fuer ihrer Gastfreundlichkeit!</p>
]]></content:encoded>
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