The Real Problem With the Health Care Bill

The Real Problem With the Health Care Bill

- in House of Representatives

In contrast, the thrust of the Republicans’ bill is to lower the cost of health insurance by removing the guarantees of the Affordable Care Act. States would be able to exempt any of the essential health benefits from insurance mandates, and they would also be allowed to exclude patients with pre-existing conditions. Millions are likely to lose their health insurance, but the young and generally healthy would pay much lower premiums.

In short, the two plans are not different takes on the same problem. They are different takes on different problems.

And the two problems are not equal concerns. Yes, the price of insurance is an issue — though a properly designed plan will at least move most of those costs off individuals and small businesses and onto the government’s shoulders.

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Access to quality care, in contrast, is literally a matter of life and death (and, of course, costs to those no longer covered). And not just for the newly uninsured. One principle behind the Republican plan is that patients, as consumers, should pay only for what they need: The sick need more coverage and so pay more (possibly with a small amount of federal subsidies), and vice versa for the healthy.

Here’s the flaw in the logic: Broadly speaking, “sick” and “healthy” are not fixed qualities. The whole idea behind insurance is that anyone healthy can get sick, and so everyone should have the same coverage. When the H1N1 flu virus struck a few years ago, many of the sickest patients were otherwise reasonably healthy adults, who survived only because of intensive care, often costing well over $5,000 a day.

I think we would all agree that such care is worth what it costs, though, since essentially healthy people went to the hospital dangerously ill and left restored. The A.C.A. mandates such coverage, even though it means everyone’s insurance will be more expensive. The cheaper, non-comprehensive insurance policies allowed by the new Republican health care bill might not cover such situations.

There’s one other problem with the Republican plan. It promises to reduce the price of insurance, and it may do that for some people. But it won’t make much of a dent in the overall price of health care, because it doesn’t deal with the fundamental reasons it is so expensive: the profit-driven nature of the system.

For better or (mostly) worse, the American health care industry is a largely for-profit sector. Health care is expensive because companies have to charge more to maintain revenue. That doesn’t mean that everyone in the industry is greedy, though as Elisabeth Rosenthal documents in her new book “An American Sickness,” it’s hard not to see greed in billing practices designed to maximize profit. Health care profiteering also depends on exorbitant prices for medical equipment and deceptive marketing for expensive brand-name drugs. In any case, these profit-focused aspects of health care do nothing to improve care and arguably make it worse, because they focus time and resources on revenue generation rather than on patients.

In this context, the new Republican health care plan is a ruse: Less pricey health insurance that does not actually make health care less expensive, while eliminating the Obamacare protections, is likely to cause millions of Americans to lose their health insurance altogether.

Every other industrialized country offers health care that is cheaper and better, because they use government controls to balance revenue generation and the costs of meeting patients’ needs.

If Republicans really want cheaper insurance policies to equal quality care, then they need to guarantee coverage, and make that affordable by reining in health care profits. Because getting cheaper insurance at the expense of endangering one’s life is not a health care bargain.

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