Michael C. Moynihan | July 13, 2007
My former colleague Johnny Munkhammar, author of European Dawn—After the Social Model and fellow at the Swedish think tank Timbro, cautions Americans not to get too excited about the single-payer health care model. Europeans, Munkhammer writes in the Examiner, "have already been down that road. So a word of caution is in order":
In my home of Sweden, for instance, patients in need of heart surgery often wait as long as 25 weeks, and the average wait for hip replacement is more than a year. Some patients have even been sent to veterinarians for treatment, and many Swedes now go to neighboring countries for dental care, despite having paid taxes for “free” dental coverage.
This shouldn’t be a surprise. Only with an infinite supply of health care funding can government dole out an infinite supply of health care services, so waiting lists are a natural consequence of state-sponsored coverage.
The same is true, he writes, of Britain's NHS:
In Britain, more than 1 million citizens who need medical care are currently waiting for hospital admission, and every year, the National Health Service cancels as many as 100,000 operations because of shortages.
Only about half of all British adults are registered with public dentists, as dental work is notoriously inadequate and roughshod. The reason? The U.K.’s dentists are paid on a per-patient basis, so their incentive is not to offer the best treatment but to treat as many patients as possible. Surgeries, complicated procedures and other time-consuming treatments are a waste of precious billing time, from the economic viewpoint of the dentist.
Whole article here.
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joe stopped reading after the weak-assed insult to Johnny Munkhammer's patriotism.
The U.K.'s dentists are paid on a per-patient basis, so their incentive is not to offer the best treatment but to treat as many patients as possible. Surgeries, complicated procedures and other time-consuming treatments are a waste of precious billing time, from the economic viewpoint of the dentist.
Well, the "proper" answer would be to remove the economic incentive
of the dentist all together. Clearly Cuba and North Korea lead in
this model so we should look to them for guidance. I mean, every
North Korean is a model of perfect health, yes?
Mark Kleiman has a challenging and rewarding piece on rationing healthcare here.
Kwix:
I would say that every North Korean and Cuban is a model for the
low calorie, locally grown and totally organic lifestyle being
advocated to us by some of the smartest people in the world.
The problem with this article is that defenders of socialized
medicine are unconcerned with rationed care. They simply want to
guarantee a level (even a barely mediocre level) of care for
everyone, regardless of income. And you can't fight the defenders
argument with numbers, because they aren't concerned about net
consequences.
Frankly, I don't know how to fight the argument of the defenders of
socialized medicine. Since they're willing to accept a low level of
care, regardless of costs, as long as it covers everyone, there's
no defeating that stance.
Kleiman strikes me as more than a bit diningenuous. He claims skepticism that cost containment of medical services matters much in the long run compared to spreading costs out to ensure greater access. Okay, but don't you think that absolute availability, supply and demand, otherwise reflected as a price, might have something to do with rationing? Can having fewer MRI machines REALLY not be relevant?
Only about half of all British adults are registered with
public dentists, as dental work is notoriously inadequate and
roughshod.
There's a shock!
Hmmm. We better start getting more veterinarians on the street in a hurry, then!
No health care system on earth can provide high quality care to everyone who needs it right when they need it. So whatever the system, care will be rationed by price or by waiting. The single payer systems yields better results in terms of life expectancy and infant mortality than in the US, at a lower cost per person. Furthermore, they don't have administrators who are paid bonuses for denying care, and they don't dump the uninsured into the streets.
"Only with an infinite supply of health care funding can
government dole out an infinite supply of health care services, so
waiting lists are a natural consequence of state-sponsored
coverage."
Is Johnny arguing that private sector health care services
providers do have an infinite supply of health care services, and
thus could supply such services without any waiting lists? Or does
he mean that in the U.S. only people who "need" heart surgery
receive it? The following dialogue suggests itself.
"What do you mean he didn't need heart surgery? He died!"
"If he needed it he would have paid for it. Death, after all, is
always an option in these matters."
I had quite a lot of dental work done via an outside provider,
and had no problems with waiting.
Why would a two-tier system be so bad? Socialized medicine, paid
out of your taxes, free if you're willing to wait, and private
medicine, where you pay to get treatment?
We are moving towards a socialized system because the present
system has shown itself incapable of providing the services needed.
End of story. Libertarians can bitch about this as much as they
want, but they'd have a better shot derailing the movement if they
went after the insurance companies and got them to fix the
problems.
Do Libertarians honestly want to live in a world where if you're
poor or have bad genetics you get dumped on the mercy of whatever
Jesus-thumping "charity" exists in the neighborhood?
"Frankly, I don't know how to fight the argument of the
defenders of socialized medicine. Since they're willing to accept a
low level of care, regardless of costs, as long as it covers
everyone, there's no defeating that stance."
Sigh. I agree. All you can do is point out over and over again that
they ARE choosing a low level of care and that the cost savings
they see in the offing are illusory. There will be no incentive to
innovate and other systems seem cost effective because ours isn't.
When costs spread out, a chunk of the efficiency argument of single
payor systems goes away. Canada will be hurting when we do
this.
You know, if I wanted to make a case against European health care systems I too would enjoy the ability to look at the thirty-something different implementations and choose the worst examples I could find to bolster my argument.
grumpy:
The problem is that the two tier system is difficult to maintain as
two tiers. The incentives line up for everyone to swamp "free"
care.
Only with an infinite supply of health care funding can
government dole out an infinite supply of health care services, so
waiting lists are a natural consequence of state-sponsored
coverage.
Anyway, it's a good thing our privately-funded health care system
has an infinite amount of money. That must be why it provides an
infinite amount of medical care.
crymethink,
I didn't notice anyone's patriotism being questioned.
And you can't fight the defenders argument with numbers,
because they aren't concerned about net consequences.
Well, you could provide quantitative data that demonstrates that
our system produces superior medical outcomes than countries with
similar levels of wealth and universal systems.
Except, of course, you can't. All your health care data are belong
to us.
"No health care system on earth can provide high quality care to
everyone who needs it right when they need it. So whatever the
system, care will be rationed by price or by waiting."
But we don't have to wait as long as they do in countries with
socialized medicine. Some people are rationed out of the system in
those countries. Some die while waiting for operations and
diagnostic tests.
"The single payer systems yields better results in terms of life
expectancy and infant mortality than in the US, at a lower cost per
person."
Genetics and diet have alot to do with life expectancy. Our high
ratio of minorities has a lot to do with a higher infant mortality
rate. Our health care system has nothing to do with those factors
as if there are better health care systems in those other
countries, which is not the case.
"Furthermore, they don't have administrators who are paid bonuses
for denying care, and they don't dump the uninsured into the
streets."
These factors are the result of government intervention in our
health care system. It is the fault of the 1973 HMO Act for the
purpose of controlling costs. Actually, HMO's by paying for routine
care when our insurance used to be more for catastrophic care has
led to overuse and have actually raised costs which has resulted in
our "uninsured being dumped into the streets" because they can't
afford the expensive health care made expensive by our government
meddling. A single payer system is nothing but a giant HMO which
will utilize rationing to lower costs and will result in more
people not getting the care they need. We don't need more
government, we need less government and more competition in the
health care market to make it more affordable for more people.
Several of the commentors are right - for those who want medical coverage provided through first having armed federal agents go out and take the money from the citizens, then there is no argument except trying to show there is a better, more moral, way. If the majority doesn't buy it, then America will get socialism.
A short list of the concerns with the direction we are heading
would look something like this:
1) Nobody on the planet except for US healthcare consumers pay for
innovation or development to any extent whatsoever. If we remove
the profit incentive from the US market, I struggle to see where
innovation will come from. I firmly believe that this alone will
cost more lives than ultimate toll of Iraq will be. You can't
remove the profit incentive and get remotely similar
development.
2) The lower cost per head of nationalized systems is often thrown
around, but without regard to the massive US market subsidy. When
our costs do down, everyone else's go up.
3) The US market serves as an opt out for top shelf care for people
in other nations. This is another subsidy that all these efficient
systems will have to pick up or do without.
4) As if it isn't bad enough already, the advent of single payor
means that public health regulation will explode. In an effort to
maintain cost controls, your neighbor will have their nose in your
refrigerator.
I can't see any possible configuration of positive outcomes from a
nationalized system that will offset even one of these.
joe and AV,
I think johnny's point is that when you put a price of zero on
health care, there is an infinite demand. A privately funded system
puts a price on health care and moves demand down to an attainable
level.
Bill:
Haven't seen you in awhile but I see you are still being
selectively supportive of socialism.
Your statements are patently false. The hospital administrators in
single payer Canada and England are either getting bonuses or
keeping their jobs by faking their wait time and health care
statistics. Thats their job and they are damn good at it. You've
been waiting 6 months for a surgery, get a call at 6 to be in
surgery the next morning, can't make it, no problem, back to end of
the line.
In New york we have both for and not for profit health plans and
the amazing thing is that the not for profit plans have
significantly higher administrative costs with out profits than the
for profit plans with profits (20% vs 15%). But it sounds good when
you say there should be no profits.
The reality is that profits show you finished the job and had some
money left over, not for profit means there will never be enough
money to get the job done.
It was only later that I discovered why the insurance
company was stalling; I had an option, which I didn't know I had,
to avoid all the approvals by going to "Tier II," which would have
meant higher co-payments. The process is designed to get very sick
or prosperous patients to pay to jump the queue.
So he had an option to get things done faster, but did not take it,
and he thinks a system without that option would be better?
Libertarians can bitch about this as much as they want, but
they'd have a better shot derailing the movement if they went after
the insurance companies and got them to fix the
problems.
Many libertarians do have problem with the current insurance
system, especially in the way the payroll tax system encourages
employers to provide insurance, distorting the market. Problems
caused by state interference are generally only made worse by more
interference.
"Anyway, it's a good thing our privately-funded health care
system has an infinite amount of money. That must be why it
provides an infinite amount of medical care."
It provides a hell of a lot more that the socialized medicine
countries.
The true test of a health care system is how well they treat
sick people and what those outcomes are.
Clearly if we use this as a measure the US is superior to all other
systems, even accounting for the fact that 15% of the population
does not have health insurance.
JasonL,
Where do you get this idea that the incentive to innovate will
decline if everybody is guaranteed health insurance?
As Ron Bailey pointed out yesterday, innovation saves money by
replacing more-expensive and less-effective treatments with better
ones, which saves both on medical costs and by making citizens more
economically productive. Why would doctors not prescribe, and the
single payer not cover, the use of money-treatments, thereby
sending the same money to, for example, drug companies? Not to
mention, a single payer (the government) would also have a stronger
incentive to maximize the "making citizens more economically
productive" piece of the equation than a private insurance company
that gains nothing if its customers are more productive.
I don't see where you get the idea that universal coverage means
less money going to drug companies. That certainly isn't the way
Medicare Part D worked out.
"""The problem is that the two tier system is difficult to
maintain as two tiers. The incentives line up for everyone to swamp
"free" care.""""
Only if insurance companies drop clients. I'm currently covered
from my job. If I have the option between free socialized health
care or use my insurance, I would use my insurance, that's a no
brainer. I'm sure how longer lines and less quality of care is more
of an incentive just because it's free. Anyone who could afford
better, would.
"""All your health care data are belong to us."""
Maybe, maybe not. But when all health care is recorded in EMRs
(electronic medical records) it is most likely they will be held in
a clearing house which the government will probably have access to.
I'm pretty sure current HIPAA laws allow law enforcement to access
your records when authorized by law. Who knows, some of those laws
could be top secret. So your statement will probably become true
social medicine or not.
grumpy realist said:
Why would a two-tier system be so bad? Socialized medicine,
paid out of your taxes, free if you're willing to wait, and private
medicine, where you pay to get treatment?
Why, it would be just like public and private schools! Who could be
against that?
Seriously, though, I have some distant relatives who are British,
and they all think that the NHS is wonderful. Of course, they don't
actually *use* the NHS, because they are wealthy, and get private
treatment when they are sick.
Art,
The true test of a health care system is how well they treat
sick people and what those outcomes are.
Actually, much of health care revolves around keeping people from
getting sick, and keeping slightly sick people from becoming very
sick.
The 15% of the country who can get treated by a doctor just as soon
as their chest infection gets bad enough for them to go to th ER,
or who don't get that little lump checked out until it hurts to
pee, would probably disagree that the treatment of late-stage
diseases is the only relevant criteria for measuring the quality of
a health care system.
I gotta stop hitting submit so soon. The above should have
said
I'm not sure how longer lines and less quality of care is more of
an incentive just because it's free. Anyone who could afford
better, would.
"I don't see where you get the idea that universal coverage
means less money going to drug companies. That certainly isn't the
way Medicare Part D worked out."
When taxes go up, people start complaining and the government has
to cut down on expenses to control taxes. That means less money
available for R & D. Why is it that most new drugs and medical
technology comes from America?
joe:
A single payor can set his own price down to the margin and has
every reason to do so. What I know is that the US market pays for
nearly all research and development because profits come
overwhelmingly from we fools who 'pay too much'.
Pharma research is an absurd undertaking. Your homerun has to carry
your 20 nightmare debacles, each of which cost a fortune. That kind
of risk has to be balanced by the ability to profit.
At least a large portion of the argument about the cost of
healthcare is framed by the idea that medicine is currently too
profitiable. It isn't.
joe:
To be clear, if there is a way to nationalize while maintaining
market incentives for innovation, we would have a system that would
make me unhappy but without the tragedy.
If the system is redesigned such that the profit motive is removed
from development, I think will will have, no exaggeration, horrific
misery and widespred deaths that could have been prevented.
Actually, much of health care revolves around keeping people
from getting sick, and keeping slightly sick people from becoming
very sick.
Right, like an Health Maintenance Organization.
Raise of hands for anyone who worked in healthcare during the 80's
and 90's and remembers "capitation". I can tell you from a systems
standpoint, that's about eight years of my life I'll never get
back.
"The 15% of the country who can get treated by a doctor just as
soon as their chest infection gets bad enough for them to go to th
ER, or who don't get that little lump checked out until it hurts to
pee, would probably disagree that the treatment of late-stage
diseases is the only relevant criteria for measuring the quality of
a health care system."
Why would they need insurance for routine exams? Most people can
afford the cost of routine exams without having to have insurance
to pay for it.
You don't need more government and you don't necessarily need less government- you need better government. Pooling insurees into statewide risk pools would be a good compromise at this point between dog eat dog Libertarianism and socialized Kommie care. The wall coming down should be proof enough that centralized planning doesn't work and the current sorry state of affairs should be proof enough that the current situation is untenable from both an economic and political standpoint.
We don't really need inovation, people live long enough as it
is. bigger gains could be made for society if more people got the
care we have already and if people didn't smoke or overeat. Sorry
cancer people, you lose. Luckily we will be shutting down new drug
development after the scourge of ED has been largly addressed. I
only wish we had solved the second biggest outstanding disease,
baldness.
Why shoudn't the rationing be a matter of gov't waiting lists
instead of ability to pay? Does anyone not on this site really
think healthcare is a "want" not a "need?" As a guy who can pay, I
suppose I should feel more upset about this, but I'm pretty
comfortable with my mortality. Please Jesus, take me now.
The only problem with sociaized medicine is that many upper middle
class proponents are going to freak out when they realize that
under such a system they will pay more for less than now while the
poor come rushing in and improve their lot the most. Actually that
is not a problem, that's the funny part.
JasonL,
That makes some sense to me. I see the overhead and advertising
budgets of drug companies and HMOs as appropriate targets for
efficiencies, not drug research. What you've mentioned is a
reasonable concern.
I think the key here would be to socialize health insurance, while
keeping providers of health services and products on a free-market
footing.
"In Britain, more than 1 million citizens who need medical care
are currently waiting for hospital admission, and every year, the
National Health Service cancels as many as 100,000 operations
because of shortages."
That must suck, especially having no other option if you could use
it. However, aren't there like, multiple millions of folks in the
US who not only need medical care, but are not even on waiting
lists because they have no insurance at all and can't afford the
treatment? A better way to look at this might be not to assume that
proponents of socialized medecine have to prove their system has no
faults, but do their faults outweigh our systems faults?
The problem is that we DON'T have a true free market system. The
HMO legislation in 73' helped create these organizations
http://www.lewrockwell.com/paul/paul339.html
Paul,
Right, like an Health Maintenance Organization.
See my point above - with a single payer, who also has to pick up
the costs of a less-productive society if sufficient treatment
isn't provided, there is a closer aligning of interests than there
is under the existing HMO system.
Rattelsnake Jake,
Most people can afford the cost of routine exams without having
to have insurance to pay for it.
Figures, please? For example, what's "most people?" How must is a
mamogram out of pocket?
I'm not suggesting I know the answer to that question I posed though. I suspect we do better on certain criteria (like providing specialized care or developing innovative techniques and/or drugs/equipment) while sucking on others (providing equality of care and covering/treating those who can't afford coverage/treatment). But I'm just supposing on these as well, I don't have any access to numbers on these criteria.
Joe,
do you really see a single payer caring about the costs of a less
productive society? What penalty will the beurocrats who work for
this payer incurr that will incentivise them to give a damn?
Right now we have employer based insurance. Who should care more
about declining work productivity than employers? Still we don't
see lavishing of preventitive care on those with these employer
based plans.
I think there is a disconnect there.
"I think the key here would be to socialize health insurance,
while keeping providers of health services and products on a
free-market footing."
I agree in the abstract, but that starts to look odd up close. You
start getting this feeling that insurance isn't insurance any more
at the single payor level. If you are trying to guarantee that
everyone is fully funded for whatever they need, don't all the
competing risk models go out the window? What risk? You will pay
and that is that.
Once you are there, in a place where your actuarial analysis and
selection of your market can't give you cost advantages, how do you
contain costs?
That is the problem. If you are going to buy it no matter what, you
can't contain costs. Your recourse will be to regulate prices, and
down we go.
"The only problem with sociaized medicine is that many upper
middle class proponents are going to freak out when they realize
that under such a system they will pay more for less than now while
the poor come rushing in and improve their lot the most."
You don't think the poor in our system aren't getting medical care
now? It's called Medicaid. It's the middle class who don't have
insurance who have to pay the high prices caused by overuse of the
system caused by Medicare, Medicaid, and private insurance that
covers routine care. I've been there, so I know what I'm talking
about. Medicare and Medicaid don't pay doctors and hospitals enough
to cover their costs, so they have to make it up by charging more
to private insurance and non-insured. We need more competition in
the market place to bring down costs such as voucher systems for
Medicare and Medicaid users with the users paying for routine care
with them, getting to keep the money they don't spend on routine
care by shopping around for the best prices. We need to go back to
catasrophic policies and have patients pay for their routine care.
We need to have means tests for Medicare recipients. All these
things would help bring about lower more affordable health care. We
also need to have tort reform which would bring down medical
costs.
Joe:
Your absolutely right. Let's spend all of our money and give all of
our resources to keeping people healthly. And if you get sick then
screw you, it's your own fault.
The reality is that if every person in this country got every
recomended preventative test and treatment the entire, current
health care budget of $1.7 Trillion would be spent on this. With no
money left over to treat any illness.
This is one of the many reasons I hate Health Care Nannys and
socialized health care. They both like "Preventative Care" and give
you plenty of primary care and cheap health care, but when your
sick, screw you.
"I think the key here would be to socialize health insurance,
while keeping providers of health services and products on a
free-market footing."
The problem with that is that the government in all it's profound
wisdom would dictate how much can be charged for pharmaceuticals
and leave the pharmaceuticals without enough money for R & D.
This is a concept that Hillary doesn't seem to be able to grasp
either. If you regulate the prices pharmaceuticals can charge, it's
not a free market.
Frankly, I don't know how to fight the argument of the
defenders of socialized medicine.
The weakest point in their argument is their insistence that the
system has to be universal. Ask why it wouldn't be sufficient to
simply provide health care or insurance assistance to those below a
certain income through a means-tested program.
The only answer I've ever seen to that question is that everyone
must participate in order to create the economy of scale to make
the system more economical than a private system. The flaw in their
thinking is that they don't realize you need two conditions to make
economy of scale work. The first one, scale, is obvious. The second
condition, however, is competition or some other motivation to
economize.
Joe:
And another fact is that most socialized medicine coutries have a
disability rate of about 10% of the workforce.
You can add that 10% to the unemployment rate or to medical
expenses but it is a glaring example of a system that is glorified
without any basis.
"However, aren't there like, multiple millions of folks in the
US who not only need medical care, but are not even on waiting
lists because they have no insurance at all and can't afford the
treatment?"
They could always go to a charity hospital.
neilpaul,
We don't have "employer-based insurance." We have "employer-paid
insurance."
The employer pays exactly the same for the insurance plan,
regardless of the health outcomes. The insurance company does not
save or earn any additional money by making its customers more
productive for their employer. So, no, we do not have a system
where those paying for the costs reap a benefit for keeping people
healthier.
Not to mention, neilpaul, insurance companies can drop customers
whose little illnesses turn into big, expensive illnesses because
of inadequate preventive care, while a single payer could
not.
As for bureacrats, what incentivizes HMO bureacrats, who don't
personally make more money based on the quality of the medical care
they provide? Promotions for meeting company goals, that's what. So
maybe changing the "company's" goals would make some sense.
Art,
The current system over-provides tests for healthy people with good
insurance, and underprovides them for people with lousy insurance.
So, no, socialized insurance would not only increase testing, but
would decrease it as well.
Rattlesnake Jake,
I can see your side, but there is a rather obvious problem with
overcharging for medications as well - it leaves fewer resources
available for other stuff. You need to think it terms of a
balancing act, because falling off both sides is a problem.
They could always go to a charity hospital.
When they get sick enough to go to the ER. Which costs a lot of
money, and produces bad outcomes. And is eventually reimbursed by
the government. All hail efficiency.
First we have to realize that few can actually afford the price
of health care. That's why we have insurance companies. Those
companies actually obstruct the free market forces. If everyone had
to pay out of pocket for the full cost of health care, few would be
able to get it. Therefore the demand would drop and prices would
come down.
So if you really want market rate medical care, abolish the
insurance companies.
Rattlsnake Jake:
You are being ridiculous.
"But we don't have to wait as long as they do in countries with
socialized medicine. Some people are rationed out of the system in
those countries. Some die while waiting for operations and
diagnostic tests"
No system is free of wait times. People have died after waiting for
hours in US emergency rooms. Not to mention the uninsured (about
18,000 per year) for lack of care.
"Genetics and diet have alot to do with life expectancy. Our high
ratio of minorities has a lot to do with a higher infant mortality
rate. Our health care system has nothing to do with those factors
as if there are better health care systems in those other
countries, which is not the case"
Really? Cuba's population is almost entirely Latino and black and
they have a lower infant mortality rate. And to say the health care
system has nothing to do with these rates is silly.
"These factors are the result of government intervention in our
health care system. It is the fault of the 1973 HMO Act for the
purpose of controlling costs. Actually, HMO's by paying for routine
care when our insurance used to be more for catastrophic care has
led to overuse and have actually raised costs which has resulted in
our "uninsured being dumped into the streets" because they can't
afford the expensive health care made expensive by our government
meddling. A single payer system is nothing but a giant HMO which
will utilize rationing to lower costs and will result in more
people not getting the care they need. We don't need more
government, we need less government and more competition in the
health care market to make it more affordable for more
people"
Health care will always be expensive because it is so
highly-skilled labor-intensive. Actually the cost inflation has
been less for Medicare than private insurers. Also, what is
"overuse"? There may be some people who are hypochondriacs, but I
seriously doubt they have a significant impact on overall costs.
And finally, no one is in competition to cover sick people simply
because it's unprofitable to do so.
Guys, we are losing this battle because we are faced with
opposing Santa Claus when it comes to health care. Libertarians had
better come up with some damn good reasons to oppose socialized
medicine or that's what we will get. And two generations from now,
that's all they will have known and will never be able to visualize
how their grandparents lived with a semi-free, semi-private health
care industry.
Just like our kids were taught the Robber Barons operated under
laissez-faire, our great grandkids will hear about how only the
rich got to see doctors under laissez faire medicine in 2007
America.
I said it before on another health care thread, I'll say it
again--
If single-payer health care is a great idea, try it out on the
state level and show everyone how wonderful (or terrible) it is
before dragging the entire nation into it.
Joe,
employers pay and they would benefit from healthier employees by
getting HEALTHIER EMPLOYEES.
Thus we do have a system where the payer gets a benefit for
conferring more health on their insureds. Employers, especially
large ones should be able to insist on a plan that maximizes its
workforce's productivity, yet they don't. This leads me to believe
that the productivity losses of illness among the work force are
less dramatic than presented.
Really? Cuba's population is almost entirely Latino and
black and they have a lower infant mortality rate.
Infant mortality rates are measured differently from country to
country.
neilpaul,
employers pay and they would benefit from healthier employees
by getting HEALTHIER EMPLOYEES.
Thus we do have a system where the payer gets a benefit for
conferring more health on their insureds. Employers, especially
large ones should be able to insist on a plan that maximizes its
workforce's productivity, yet they don't.
In practice, companies are offered a few pre-packaged options from
insurance companies, and the rate of denial of claims is not an
option they can express a preference for.
First we have to realize that few can actually afford the
price of health care. That's why we have insurance
companies.
Huh? You make it sound like insurance magically makes health care
cheaper. Insurance is an added cost.
One of the problems is that people don't have freedom of choice in
insurance. The government regulates that insurance policies must
cover X, Y, and Z. Effectively you have the choice of buying a
gold-plated policy or nothing. Cheap insurance isn't just
unavailable, it's illegal.
It is simply ridiculous to assert that externalizing the costs of health care will cause demand for heart surguries and hip replacements -- the two examples given above -- to rise. The demand for heart surgury and hip replacement are INELASTIC. That we do not have people going without hip replacements in the United States does not indicate that demand is any lower, it means that, for reasons you may debate, we are doing better on the supply side.
I think, Max, what he meant is that few people can afford to be the guy who gets the big injury or disease and has to pay for it out of pocket my himself.
Cesar-Could you provide some more info on that claim that infant
mortality rates (IFR) are measured differently in different
nations? I thought IFR was the rate babies from live births die
before they reach the age of one, and I'm not sure how that would
vary due to measurement differences (do some countries count live
babies as dead and vice versa, or do they use a lunar year?).
According to the CIA, however they define IFR, Cuba has us
beat.
https://www.cia.gov/library/publications/the-world-factbook/geos/cu.html#People
https://www.cia.gov/library/publications/the-world-factbook/geos/us.html#People
Sure nice guy, look
here
From the article:
The exclusion of any high-risk infants from the denominator or
numerator in reported IMRs can be problematic for comparisons. The
United States counts many infant births as live which other
countries do not and therefore usually appears to have a much
higher rate of infant mortality than similar countries.The US
counts an infant exhibiting any sign of life as alive, no matter
the month of gestation or the size, but other countries differ in
these practices. For example, in Germany and Austria, fetal weight
must reach one pound to be counted as a live birth, while in some
other countries, including Switzerland, the baby must be at least
12 inches long. Both Belgium and France report babies as born
lifeless if they are less than 26 weeks' gestation.[2]
"You don't think the poor in our system aren't getting medical
care now? It's called Medicaid." Jake, do you think Medicaid is a
good program? Without such a program would not many people not be
able to afford care? If it is a good idea for the government to
give care for these folks, why not give care to the ones who
actually pay for programs like Medicaid, the middle and upper class
taxpayer.
"We need more competition in the market place to bring down costs
such as voucher systems for Medicare and Medicaid users with the
users paying for routine care with them, getting to keep the money
they don't spend on routine care by shopping around for the best
prices."
That is a really interesting idea. I wonder if people would "shop"
for health care, of if people just go the nearest doc when they are
sick (being sick has a way of making prices inelastic I would
think). But, again, I think this is a neat idea with high
potential. Ditto for the means testing.
"We need to go back to catasrophic policies and have patients pay
for their routine care." But isn't it a big problem now that many,
many people cannot afford "routine" care so they put it off
creating a "catastrophic" situation? If it were covered to a lesser
extent people would get less of it (I realize that is partly your
point, in theory that decrease in demand drives down the price, but
to get there you get a lot of people passing up that cholesterol
screening that used to be covered).
"We also need to have tort reform which would bring down medical
costs." I think there are some flaws in tort law, but I really
think this is a canard put out by folks like the AMA. I mean, we
are tough, rightly so, on companies that sell defective products
that cut off your fingers or burn down your house, we are tough on
people who run a red light and cripple you, and we should be tough
on doctors who amputate the wrong leg or leave a scapel in you...I
can't believe the way people who normally espouse a healthy view of
individualism and personal responsibility now attack tort law. Tort
law is all about individual personal responsibility, making sure
that people follow a duty of reasonable care so they don't hurt
people (and thus kill of that injured persons opportunity in
life).
Thanks Cesar. Wow, it's like my old research methods prof used to drill into us: the main question is not what results were found, but how the variables were defined. I was naive enough to think that "babies born alive that do not make it to age one" had too little wiggle room for much to be done, but that's what I get for assuming! For the record, do you know what Cuba's operationaliztion for "born alive" is by chance?
"""Huh? You make it sound like insurance magically makes health
care cheaper. Insurance is an added cost."""
Few people without insurance can afford the cost of health care. If
insurance went away, most people could not afford health care. If
you broke your leg, you would have to take out a loan. I do believe
that outstanding medical bills are a leading cause of
bankruptcy.
For the record, do you know what Cuba's operationaliztion
for "born alive" is by chance?
You're welcome. I just know western Europe has a much looser
definition of "born alive" than the rest of the world, and the US
has a very strict one. I'd wager that our strict definition has to
do with religious influence in politics, "life begins at
conception" and all.
I can't get anything on Cuba's definition, but then again its a
dictatorship so go figure.
If insurance went away, most people could not afford health care. If you broke your leg, you would have to take out a loan. I do believe that outstanding medical bills are a leading cause of bankruptcy.Few people (under 65) require expensive corrective action health care. Insurance is a natural free market response to this limited risk. Abolishing insurance companies is definitely an anti-market approach.
If you broke your leg, you would have to take out a
loan.
I'm going to assume you just didn't choose your example carefully.
I think most middle-class folks could pay for having a broken leg
treated out of pocket.
A single payor can set his own price down to the margin and
has every reason to do so. What I know is that the US market pays
for nearly all research and development because profits come
overwhelmingly from we fools who 'pay too much'.
I'd be interested in seeing some support for that statement. I've
heard that said frequently, but I've never been able to find any
support for it. If anyone can produce any studies to that effect,
I'd like to see them.
Maybe someone has the numbers, but isn't true that some huge percentage of health care costs goes to treating people in their last 5-10 years of life.
It's actually funny how much I hate you Mikey. In the interest
of ensuring that you get the absolute best medical care possible,
you're willing to condemn tens of millions to the worst sort of
medical care and absolutely zero dentistry.
You're a monster.
Every system has a limited supply of product. It isn't only
geniuses such as yourself that have figured that great secret out.
In Europe as in the United states there's only that much medical
care (and lung tissue) to go around. In Europe they ensure that
everyone receives at least the minimum and then (in most cases)
allow the wealthier, more privileged, members of society to pay
more for better insurance and better healthcare. In America by
contrast all of the resources go to the highest bidder and let
everyone else be damned.
What you advocate allows for tens of thousands of needless DEATHS a
year, not to mention countless millions of hours of
suffering.
You're a monster.
mnuez
www.mnuez.blogspot.com
joe:
we have "employer-paid" health insurance"
Meh. For myself, my wife, and two kids I'm paying about $540/month.
Granted, that's pre-tax. But dental and eye care are separate. So
to call it "employee-paid" is more than misleading.
Ultimately, it doesn't matter whether your health care is paid
for by the government, private insurers, or out of your own
pocket.
In every case, the care you receive will be either good,
fast or cheap (pick two).
So to call it "employee-paid" is more than
misleading.
Good point. For a lot of people, employer and employee both
contribute to the insurance payments. And, its arguable where one
should draw lines between the employer's money and the employee's
money when doing the accounting.
What it always is, though, is "employer-negotiated" health
insurance. Your health insurance options are different from those
available to someone who doesn't have a job or who works somewhere
else.
In every case, the care you receive will be either good,
fast or cheap (pick two).
A clever adage, but I don't think it applies to the health
industry. The tendency is for the treatments for a particular
disorder to become more effective, more routine, and cheaper as
that disorder is better understood and as patents expire.
I am very sorry I missed out on this thread. First, the measure
of a healthcare system is not infant mortality and life expectancy
alone anymore than test scores are a measure of education. European
countries have very homogeneous populations. They do not have the
large latin American immigrant populations that we have or the
large African American popluations. African Americans geneticlly
are more susecptable for things like diabetes and heart disease,
giving them a lower life expectancy regardless of how good the
healthcare is. Our immigrant populations tend to have a bad habbit
of shooting each other, which lowers life span. This of course
happens in African American communities as well. The fact that
African American males under the age of 25 have a higher violent
death rate than men under 25 had during world war II is not a
product of our health system.
As far as infant mortality goes, Europe does not have anywhere near
the prenatal care the the US does. Babies that would aborted in
europe because of problem pregnancies are miracle premies here. Of
course a lot of those miracle premies don't make it and drive up
our infant mortality rates. The implications of pointing to infant
mortality rates is that babies who would have made it under other
systems are dying under the US one and that is just a lie. But hey
that is what socialists do, lie.
Has anyone ever noticed that every person who advocates socialized
medicine is healthy? My mother died of cancer a few years ago. She
was middle class but got first class care from the getgo and
managed to make it a year. Had we been in Europe, no way would a 67
year old woman suffering from cancer for the second time ever
gotten care. She would have been dead in a month. We got an extra
11 months and hope thanks the US system. Had there been a Canadian
system, we would have had a month and always wondered if she would
have made if only the government had treated her. No thank you.
Cesar, I don't doubt that there really are differences, and that
they may influence the figures to some degree, but I read someone
using terms like "many" and "much higher" in a wikipedia article
about a topic that is relevant to poltical debate, without any
actual numbers being provided, my b.s. detector goes off.
Born at less than one pound, less than 26 weeks, or less than 12
inches? That is a vanishingly small number of the live births
counted in the U.S.
sage,
I assume you meant "employer-paid."
I was only discussing the employer cost in the context that
employers would, allegedly, be able to influence the insurers to
provide care that maximized their employees' productivity.
John provides a classic example of explaining away inconvenient
data. He tells us that infant mortality and lifespan aren't good
ways of measuring the quality of health care (oh, heavans no!), but
does not offer any better measurements, just some anecdotes and
name-calling.
Come to thin of it, I don't ever see any critics of the rather
overwhelming medical-outcome evidence that so badly implicates the
American health care system offering up any counter-evidence. It's
rather like the global warming and evolution debates in that way -
one side offers all the evidence, while the other's only
contribution is criticisms of that evidence, without providing
plausible evidence to the contrary.
The weakest point in their argument is their insistence that
the system has to be universal. Ask why it wouldn't be sufficient
to simply provide health care or insurance assistance to those
below a certain income through a means-tested program.
The only answer I've ever seen to that question is that everyone
must participate in order to create the economy of scale to make
the system more economical than a private system.
No, they have another, and it's the same given against having
private alternatives to gov't-delivered schooling, postal service,
or dispute resolution: That providing for the poor
only is politically unstable. Everyone must have
to use the single server or not enough people have a stake in the
quality of the service. So the service to the poor will be cut to
the point that it's not worthy. Or perhaps it will simply be cut
out entirely. Meanwhile if everyone's forced into the same system
it becomes very difficult to cut much or indeed to restructure at
all -- too many short term losers.
We do see trends running counter to that pattern, or privatiz'n
& private options would never be instituted. But they are at
least partly correct, and that's part of the argument
against what they want as well as in favor.
Also there's the economic argument of moral hazard. Unless the
subsidized service is awfully shitty, it becomes worthwhile for
some at the margin to voluntarily impoverish themselves to qualify.
Happens plenty with Medicaid. Some people will even think it's less
risky to put themselves in line now for Medicaid (there are
look-back provisions for income & assets) than to take the
chance that their income won't be able to keep up with their
insurance premiums or other health costs; some of those people will
turn out to be wrong, and forego income that would have been
sufficient, but they reduced their risk.
joe-
If socialized, single-payer health care is so great according to
you and many liberals, why can't such a system be tried on a state
wide basis for, say, 10-15 years?
If infant mortality et al, drops dramatically in Massachusetts,
then you will have a stronger argument.
If such a system leads to nothing but high taxes, waiting lists,
and government meddling in your private lives, then at least the
rest of the country would be spared.
"If socialized, single-payer health care is so great
according to you and many liberals, why can't such a system be
tried on a state wide basis for, say, 10-15 years?"
It's been tested for just over 4 decades in Canada, where I live.
Why not look at how it's been going up here?
"If such a system leads to nothing but high taxes, waiting
lists, and government meddling in your private lives, then at least
the rest of the country would be spared."
Haw are the taxes? My marginal tax rate is 46.4%. And that rate
applies to all income over ~$100k. Yup, the taxes up here are
high.
Waiting lists? It took me 10 days to get an X-ray and a cast for a
broken hand last year. More recently, my father had to wait nearly
5 months for surgery to repair a torn shoulder ligament. (And he
was at the front of the line due to it being a workplace-related
injury which qualifies for priority treatement. If it wasn't
work-related, he'd have be waiting well over a year.) So, it seems
that the wait lists are long.
Fortunately, the government doesn't meddle too much in my private
life, but that's only because I don't drive without a seat-belt,
ride wihtout a helmet, eat unhealthy foods, smoke, use drugs, have
unsafe sex, drink excessively, or gamble, so I'm not the target of
any current crusades in the name of public health.
What else do you need to know?
It's been tested for just over 4 decades in Canada, where I live.
Why not look at how it's been going up here?
I would, Russ, but those who support socialized medicine in this
country believe you have the best healthcare system in the world.
They also believe that in Canada, there is no crime, no poverty, no
racism, and that everyone leaves their doors unlocked at night. I'm
not kidding.
Haw are the taxes? My marginal tax rate is 46.4%. And that rate
applies to all income over ~$100k. Yup, the taxes up here are
high.
Woah, if thats just federal income tax alone thats really, really
high.
It's combined federal and provincial (Ontario).
The top federal rate is 29%. Provincial tax rates vary by province,
from a flat rate of 10% in Alberta to a top rate of over 20% in
some of the eastern provinces.
There's also a 6% federal sales tax and a provincial sales taxes of
8% (again Ontario).
I leave the forum for a day and Joe gets away with saying something completely stupid without being challenged. The point is that the stats are not a good measure. If you adjsut life expectancy and infant mortality rates for factors like premature babies and violent deaths that are no reflection on the quality of the healthcare recieved. None of the statistic given by people like Joe ever do that. They just site the raw numbers and say "look how terrible America is". Comparing non adjusted raw numbers in healthcare is just like comparing nonadjusted raw numbers in anything else; completely misleading. I can't believe Joe is so stupid he doesn't get that. What should we measur it with Joe? Numbers that reflect reality. It is not my job to give you the justification to impliment your primitive ideas. The burden is on you as the person arguing for change to produce meaningful numbers and raw infant mortality and life expectancy numbers are simply not meaningful. Too bad he probably won't be read this.
Another thing I'd like to ask people who peddle socialized
medicene, how do we pay for it? And please, please for the
love of God don't you say "by rolling back the Bush tax cuts for
the 'wealthy'. Thats B.S., that won't begin to pay for it. You will
either have to A) Raise taxes by a lot, or B) borrow.
In case you haven't noticed, we have a massive deficit and federal
debt. And you want to pile on to it?
The more I read that crap Joe, the angrier I get. You don't have any fucking evidence Joe. That is the point. The evidence you do give is misleading and meaningless. The only meaningful evidence on this thread I see is the anicdotal evidence of Russ R about how horrible things are in Canada. I would also point to the French booing Micheal Moore for lying about how wonderful their systems are. Everyone else in the world is leaving or trying to leave socialized medicine. Wonder why? "One side has all the evidence". Only if you beleive lies. God. Joe you are dumbest person on earth sometimes. You mean well but you are just fucking stupid and so stupid in fact, you don't even realize it.
Ceaser,
You will just get Canada like tax rates, a bigger deficit and much
worse healthcare.
I have a ton of evidence, John. Every comparative study shows
better health outcomes among countries with universal systems.
Whether that evidence is completely reliable or needs to be taken
with a grain of salt, it stands in marked contrast to the absolute
goose egg the opposition can come up with.
One health care measure could skew against the United States
because of local factors. Two, and that would be some bad luck. But
when, time after time after time, the measures just keep lining up
the same way, putting the United States at about 20-25th,
nitpicking at this or that measure doesn't get you very far. It
just defies the law of averages that the data would all skew so
dramatically against the US without it indicating a real
trend.
Also, you need to swear less.
Cesar,
If the money withheld from my paycheck and labelled "employee
health care contribution" gets relabelled as "employee health care
tax," and the money I never see because my employer sends it to an
insurance company gets sent instead to a government office, I'm not
going to notice any difference.
You take the money currently being spent on health care plans, you
take the larger risk pools created by a universal system, you take
the "free care pool" money being spent on really sick poor people
who walk into Emergency Rooms without insurance of a means to pay,
you take Medicare and Medicaid, and you take the appalling overhead
of your typical HMO, and you will be well on your way towards
paying for a universal system.
joe,
would you be willing to allow people to voluntarily opt out of the
state run health system and pay for private-sector insurance
instead?
Russ R. posed one of the questions I wanted to ask, the other is this: what guarantee is there that the feds won't raid the "health care" fund to pay for everything from the Iraq War to sheep research in Montana and replace the fund with a bunch of I.O.U.s, a la Social Security?
It seems that everyone who cites the stupid " the US was ranked
37th internationally in healthcare" survey fails to mention that
criteria totally irrelevant to healthcare, such as the number of
women representatives in the national governments.
Furthermore, if socialized healthcare is so great, why are
countries such as France and Canada trying so desperately to move
away from it.
P.S. Joe, you have proven in past threads that you have absolutely
no knowledge of the United States heathcare system. Please quit
trying to pass yourself off as an expert.
I would like to ask one question of the fans of these surveys
that claim the United States is only 18 or 37th (depending on the
survey) in the world in healthcare? Do you honestly believe
Colombia and Saudi Arabia provide better healthcare than the United
States?
I think the answer to that question is pretty self-evident to any
reasonable and intelligent person. The notion that Colombia has a
better health care system than the U.S. is so laughable, it reveals
those surveys to be the irrelevant nonsense they are.
Few people without insurance can afford the cost of health
care. If insurance went away, most people could not afford health
care.
That's a nonsensical statement, because the cost of insurance
includes the cost of health care.
Insurance is simply a risk management tool. And like any product it
has a (positive!) cost.
I understand why many people would be so adamantly opposed to
nationalized health care. I have great insurance for me and my
family, in part because I have a good job that I worked hard for
(years and years of education). Nationalized health care would
force me and my family to adopt the government plan (I think, I
hear that people are free to get suplemental insurance in some
places that have it), and it could be worse than what I have. So
that's the health of my family you're talking about.
On the other hand, I think the pile on Joe tack is a little much.
Joe is just right that a slew of studies, many by fairly
independent and objective researchers, support his view. Of course
one could sit back and critique this operationalization and that
conceptualization, this indicator, etc. As my research methods prof
used to say no study is going to be perfect, you have to choose
something and measure it in some way. Most of the studies Joe et al
can point to have reasonable though admiteddly flawed indicators.
The WHO study oft cited can be read in full here:
http://www.who.int/inf-pr-2000/en/pr2000-44.html. I won't say I
read this monstrosity entirely, but I glanced at it and the methods
seemed reasonable. Does anyone think a Cato study would have
indicators that aren't worthy of critique?
Many people on this thread have commented on the rationing that
goes on in nationalized health systems. Well, duh. Certainly there
is rationing that goes on in ours too. In fact Sicko is all about
that, how people (and more importantly their doctors) ask for
procedure or treatment x and the insurance company says "heck no we
ain't approving that." BTW-while people wait for that approval or
denial, that's a wait, so we have those in our system too. And one
thing we have that the others do not is a slew of folks who, since
they have no insurance ration their own care to the point of
serious harm.
Where I certainly break with Moore is that he seems to think
insurance companies are evil for denying procedures that if they
approved would put them out of business in about five minutes. Any
system of health care will have cases where they say, look, there
is such a chance this treatment won't help much and it is so
burdensome that we just can't do it. We're sorry.
The American people themselves are fed up with their health care
system (yes, other nations are upset too, but no serious Canadian
or French politician would dare suggest scrapping the premise of
nationalized universal care, they argue for 'reform' of the current
concept). I don't think that is due to demagogues and such, if
anything the majority of spending to convince folks on this issue
comes from the status quo. It's just the reality is for most that
their private insurance companies seem incompetent, inefficient and
conniving.
Here is another study that supports the WHO one. Again, it seems
to be pretty reasonable, and if you click on its board of directors
its hardly a bunch Marxist radicals (it looks more like a country
club executive board).
http://www.commonwealthfund.org/publications/publications_show.htm?doc_id=482678
"Insurance is simply a risk management tool."
Insurance should be a risk management tool, but in this country it
is not. Health insurance is considered by waaaay too many to be a
blank check on the healthcare system. Have hang-nail, access the
healthcare system. Have a bad hair day, access the healthcare
system.
If car insurance was like health insurance, we would expect the
policy to install wiper blades and put gas in the car.
Russ R,
Personally, I see no reason why a universal system can't exist
alongside private options. I pay for my city's public schools, then
I pay out of my own pocket to send the little one to a private
school down the street. If I had my druthers, the health care
system would work the same way.
Cesar,
There is no guarantee, and why should there be? It would be a
federal program, subject to yearly appropriation, just like the
Pentagon and FBI.
Peggy,
Furthermore, if socialized healthcare is so great, why are
countries such as France and Canada trying so desperately to move
away from it. They're not. They're reforming them, or their
methods of paying for them. You might as well point to the
Reagan/Greenspan Social Security reforms in the 80s as proof that
Americans have turned their back on Social Security. No, they're
proof that Americans love them some Social Security, and are
willing to go to the mat to keep it solvent.
As for your helpful advice, I'll treat it with all the respect it
deserves, given your demonstrate expertise about public health care
systems in other countries.
Mark,
The United States provides different levels of health care. The
people who get good health care get better care than people in
those other countries, while the people who get lousy or no health
care here get worse care, and throw off the curve.
joe
Personally, I see no reason why a universal system can't exist alongside private options.
Since I am resigned to the fact that we will eventually get a
National Health scheme I hope our overlords decide against a
single-payer system a la Canada. And also against a
Physician-as-civil-servant British model (but at least the Brits do
have a private sector to act as something of a safety valve).
Two tiered systems such as exist in Australia, Germany and France
do seem to deliver somewhat satisfactory results. And to some
extent have not stifled innovation. Australia, for example, is a
world leader in developing Orthopedic devices like hip replacements
(probably because they are a bunch of sports nuts).
France's system does seem to be buckling under a certain
bureaucratic overload, but that tends to be true of just about
everything there.
Another thing to consider about Welfare states in general is that
they are most nearly successful in small homogeneous
countries.
After all Sweden has only nine million people, and they're all
Lutherans (or at least they were when the system started). Now that
they've raised a couple of generations who don't hold the
Protestant Work Ethic in such high regard and admitted a bunch of
immigrants whose cultures never had it in the first place it's not
working quite as well.
I'm not to sure a country with over three hundred million people
can really sustain a National Plan. It seems to me to be something
to leave up to the States.
Isaac B.,
I see the Canadian "No Private Doctors, Period!" policy as
representing a degree of egalitarianism that is mainstream in
Canadian society, but not in America.
As for Britain, the Labor government that nationalized the means of
prostate exams was practically a Marxist party, and did so during a
period when Western political thought was much further to the left
than it is today, or is likely to be in the near future.
joe,
While in Canada the payer (and the controller of access to
treatment) is the Government physicians and surgeons in Canada are
still considered private practitioners. As a patient you are free
to select any one you choose and he or she is free to refuse to
accept you as a patient (and they frequently do since many doctors
now have terribly high patient loads).
Beautiful second paragraph there ("nationalized the means of
prostate exams" - love it). Yes, indeed, they nationalized steel
and coal too, real socialists, those guys. Not like these wimpy
welfare state "socialists" people complain about here.
I meant to add that in Canada doctors are compensated on a fee
for services basis while under the NHS in the UK the compensation
tends to be on a formula that has to do with the number of patients
one has.
The UK is also the model people seem to be referring to when they
complain about "picking your own doctor". As far as I know it is
one of the few systems that is tha restrictive*.
Also, joe, physicians and surgeons in Canada are still among the
highest paid professionals although they lag significantly behind
dentists whose profession has yet to have a government payment plan
applied to it. Not much egalitarianism there.
But then I suppose the "egalitarianism" lies in the everyone gets
the same lousy service.
*Even to the point of women not being able to geto a birth control
prescription because their doctor did not approve of
contraception.
No, they have another, and it's the same given against
having private alternatives to gov't-delivered schooling, postal
service, or dispute resolution: That providing for the poor only is
politically unstable.
Missed your reply to my comment before. This argument is harder to
counter. I would argue that, historically, giant government
programs that are supposed to treat poor, middle class, and rich
folks equally have always ended up providing shitty service to the
poor.
Only problem is that my argument isn't going to win anybody over
unless they're as pessimistic as I am about giant government
programs. The optimists just reply that, "This time it's going to
be different!"
The other thing I always wonder is why Democrats aren't more concerned about the likelihood that any national healthcare system they set up will be run by a Republican administration about half the time. What happens when our wonderful single-payer system refuses to pay for abortions?
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