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Health care redesign: Books by Greg Dattilo, CEBS and Dave Racer, MLitt.

Why health care costs so much: The Solution - Consumers

FACTS: Not Fiction - What really ails U.S. health care

Your Health Matters: What you need to know about the US health care system

The DVD

Hope4Health Care: The reform you can live with

More articles

Universal Health Care? Mandating that everyone must own health insurance: Will it be effective, or even enforceable?

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Congress and state legislators are considering laws that would require every United States’ resident to own health insurance or to sign up for a government health plan (depending on income qualifications).

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Entanglements to Entitlements

How government's good intentions now threatens our health care system. May 30, 2009.

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Government entanglement in health care threatens to strangle the system. Its micro-management both of the delivery of and payment for health care does immense damage to private health care. Yet, Congress focuses on fixing the private health care system.

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The Congressional Budget Office Reports:

Comparing health care admin cost: Private sector vs. government - Who’s less costly?

(Downloadable Copy Here)

The United States Congress’ Congressional Budget Office (CBO) released a two-volume health reform study in December 2008. It lays out the underlying logic, data, and arguments the Obama Administration and Congressional leaders are using to move their health reforms ahead.

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Government provides health plans for more than 54 percent of U.S. residents – No wonder the cost is skyrocketing

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President Obama, Congress, governors, and legislators are wringing their hands over the cost of health care and health insurance. President Obama says that health care spending threatens our “national balance sheet.” These politicians had better worry since government health plans cover more than 54 percent of all U.S. residents, and these people spend at least 56 percent of health care dollars...

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CBO Lays out the SMEEF plan to replace health agents & move toward government insurance

The CBO shows a clear bias against health insurance agents. It is found on page xv, in the report’s introductory comments: “In general, however, substantial reductions in administrative costs would probably require the role of insurance agents and brokers in marketing and selling policies to be sharply curtailed and the services they provide to be rendered unnecessary.” [Emphasis added]

Early in the report, the CBO outlines five key issues whose outcomes it expects would reduce the cost of health care, and reduce the number of uninsured people – as near to zero as possible.

We see in CBO’s five issues, something different; a general outline of a comprehensive strategy to reform the U.S. health care system. The CBO report points to the eventual adoption of a “Medicare for all” plan.

Universal Health Care? Mandating that everyone must own health insurance: Will it be effective, or even enforceable?

(Downloadable Copy Here)

Their intent in mandating coverage is twofold: 1) to reduce the uninsured rolls, and 2) to force freeloaders to buy health insurance.

Freeloaders are people who have enough income to be able to purchase health insurance, but do not. They want others to insure that if they get sick, everyone else will step up to pay their bills for them.

GOALS FOR MANDATING - ATTAINABLE?

Will a mandate to purchase health insurance accomplish its goals? Could a mandate also provide increased access to health care and help hold down health care spending?

“Universal health care” is the most common term to define what Congress and legislators are trying to accomplish. It is a misleading term...

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New Articles (June 25, 2009)

Community Rating: Is it Fair?

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We hear it often. Health care must be universally fair. Everyone should have access to all the health care they need, and on the same basis. But is that fair?

The fairness doctrine promotes equality and fairness within a community. It protects various groups of people from being unfairly burdened with cost that should be paid by others.

With car insurance, fairness means that older, more responsible drivers pay less premium than younger, less responsible drivers. Why? If a younger driver has five times as many accidents as an older driver, it seems fair that the younger driver should pay five times more for car insurance.

With health insurance, fairness means that younger, healthier people pay less premium than older, less healthy people. Why? Because older people have five times more medical costs than younger people. This is why older people pay five times more than younger people for their health insurance.

(Downloadable Copy Here)

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Who should be the ruler of the United States' health care system?

There is a concerted and well-orchestrated effort on the part of Washington, D.C. government leaders to reform health care from the top down. This would make government the health care ruler in the United States. Why would anyone believe that putting government in charge of health care will solve its problems? Consumers are ultimately the rulers of the United States economy, and when they rule, prices fall while service and selection increases.

(Downloadable Copy Here)

In an economy, there are three possible rulers: Consumers, businesses, or government. Rulers always have servants so it is important for everyone to recognize their rules. In your opinion, which two of these ought to serve the third?

Should consumers and business serve the government?
Should consumers and government serve business?
Or, should business and government serve consumers?

(Downloadable Copy Here)

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2009: The year of our greatest challenge

Financial markets are in trouble. Politicians open the taxpayers' checkbook, and the jaws of the citizens drop. Hundreds of billions of tax dollars fly out the door.

"We must do this to save our economy," says the federal Congress and the Administration. And Americans shuffle off to work, hoping there will be a job for them tomorrow.

What has this to do with health care reform? Everything.

Mandatory guaranteed issue mortgages got us into this financial crisis.

The 1990s Congress and Administration forced lenders to accept mortgage holders who were unqualified for mortgages. To fix it, Congress and the Administration are expanding government's role in mortgage lending, banking, and markets.

Now politicians have declared we have a health care crisis. What is their answer.

Mandatory guaranteed issue health insurance, Congress says, will solve our problems. Oh, really?

The government that gave us the financial meltdown now wants to give us the same bad medicine for health care.

The cure for U.S. health care is in front of our faces - the people with whom we interact every day. Consumers of health care. It is called consumerism.

You are the answer to health care reform. Interacting with markets, and keeping politicians on the sidelines.

We cannot afford a politician-driven health care crisis like the one they created with financial markets.

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