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Mandate Model Reform: Keeping Private Insurers In Charge

Mandate Model Reform: Keeping Private Insurers In Charge. Presented to RETIREES FOR SINGLE PAYER HEALTH CARE 02/01/2010. “Mandate” Model for Reform. Proposed by Richard Nixon in 1971 to block Edward Kennedy’s NHI proposal. “Mandate” Model for Reform.

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Mandate Model Reform: Keeping Private Insurers In Charge

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  1. Mandate Model Reform:Keeping Private Insurers In Charge Presented to RETIREES FOR SINGLE PAYER HEALTH CARE 02/01/2010

  2. “Mandate” Model for Reform Proposed by Richard Nixon in 1971 to block Edward Kennedy’s NHI proposal

  3. “Mandate” Model for Reform Government uses its coercive power to make people buy private insurance.

  4. “Mandate” Model for Reform Expanded Medicaid-like program Free for poor Subsidies for low income Buy-in without subsidy for others

  5. “Mandate” Model - Problems Expanded coverage unaffordable Computers, care management, prevention not shown to cut costs Adds administrative complexity and cost; retains wasteful private insurers

  6. The Massachusetts Reform: Headed Towards Failure

  7. Massachusetts: Required Coverage(Income > $31k) Premium: $4,800 Annually (56 year old) $2000 deductible 20% co-insurance AFTER deductible is reached

  8. Crimes and Punishments in Massachusetts

  9. How Many are Uninsured in Massachusetts? State and Blue Cross Surveys – 2.6% Phone survey, few non-english speakers Census Bureau – 5.5% Door-to-door survey, all local languages Mass. Department of Revenue – 5% of taxpayers, as of 1/1/2008 – based on tax returns

  10. Tried and Failed:State Experiments with Mandate Model and Other Incremental Reforms

  11. Massachusetts 2006 “Every uninsured citizen in Massachusetts will soon have affordable health insurance and the costs of health care will be reduced. Gov. Romney.” “The bill does what health experts say no other state has been able to do: provide a mechanism for all of its citizens to obtain health insurance.” Sources: Wall Street Journal 4/11/06 and New York Times 4/5/06.

  12. Public Plan Option:The Next Disappointment

  13. In 1962 Republicans Jacob Javits and John Lindsay proposed a Public Plan Option (H.R. 11253 and S. 2664) as an alternative to a public Medicare plan

  14. Public Plan Option Cannot Solve Cost Problems Achieves only 1/7th of the administrative savings of a single payer plan making expansion of coverage unaffordable. Medicare HMO experience shows private plans undermine fair competition and avoid expensively ill Public plan effectively serves as subsidy for private insurers, taking on many high cost patients

  15. A National Health Program for the U.S.

  16. Public Opinion Favors Single Payer National Health Insurance

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