Health Care and The Deathstar

Tonight we were once again addressed by the President of the United States in what can be seen as the end of the month long intermission that we have had from the healthcare reform debate. For months now we have heard about death panels and never ending lines in Japan as people wait to see a doctor. What the President wanted to do was to get his message to the people in a softer light than has been cast by so many in the last few months.

While there is no argument that the President is great at giving a speech, there are a few different points that need to be addressed. First off, there are some things that everyone agrees about. Those things include access for everyone to affordable health care, the right for people to group together to get better prices on insurance, including those who pay for their own insurance, the need for the people to provide for those who cannot provide for themselves and that insurance companies should be able to provide incentives for those who participate in wellness programs. While these all are very good thing that we need to see in the near future, it is more important to work on the things that there is so much disagreement on. The President tried to correct what he referred to as "misconceptions" in the healthcare reform bill, but there are flaws in what the President feels is solid health care reform.

First, the dreaded "Death Panels" that have been the source of so much debate. This come from the idea that there will be a panel that seniors will have to go before where the panel will decided if paying for health care for these individuals is worth the cost, or should they no longer provide coverage. The President firmly denies these allegations in a very Animal Farm type statement. I believe that the President and members of Congress believe with all of their hearts that these panels will not happen, but what they fail to realize is that the possibility of these panels is there. It will not come in the next 5 or even 10 years, but one day down the road, the bureaucracy of the US Government will start to work its wonders as the need for a set system of rules will bring the likelihood of the denial of benefits creeping closer and closer simply because they do not met a set standard of criteria. While this may not be the problem that it has been made out to be, it will be very important down the road when for the individual that is sitting before the board praying that the government will continue to pay for their treatment.

Second, in what is bound to be the most talked about moment from the speech, the President stated that the program would not cover any illegal aliens, to which Rep. Joe Wilson shouted out "You Lie!" This moment(above), which was clearly disrespectful and should be apologized for, only shows a small hint of a much larger argument of illegal immigration. The questions is who will pay for the hundreds and thousands of illegal aliens who cross the border simply because they are sick and know that they will receive health care free of charge because the people of America cannot stand to see a person in need turned away. Will the border hospitals be forced to continue the current practice of paying for the service of those who get help in their hospitals who cannot pay for themselves? This is a question that needs to be address and not simply brushed off, unless of course we can manage to build a fence that is 1000 feet tall and 1000 feet deep and extends the entire length of the border, and since we don't foresee that happening, we need to address the real problems of this health care that will be provided, coverage or not.

Last, the President wants this coverage to be mandatory for every American. He referred to auto insurance as a successful example of how it will work. Let us look at the problems with this. For one, there is an option with auto insurance. If you don't want to pay for the insurance, you can choose not to drive. That is a real option for some. The ability to remove oneself from the system is a right that we hold dear in America. Forcing everyone to have insurance is just not possible in the current system. How do we do this? We need to have the insurance eligibility based on taxes.

What do you mean taxes? Well simply, to get coverage you must file a valid tax return for the prior 3 to 5 years. This will do two things; first, it will make sure that the American taxpayers are the ones that are receiving the benefits from their taxes. The second, it will encourage a substantial increase in the paying of taxes in the United States. If you provide a benefit for paying taxes, as well as a punishment for the lack of doing such, the tax revenue would jump substantially. This would help pay for the program as well as encourage responsible government participation on the part of the people.

To make this work, there would need to be a punishment for the lack of participation. How can we do that? It is clear that we cannot deny emergency care for those who need it, regardless if they pay taxes or not. What we can do however, is to deny other government benefits to those who do not file tax returns for the last several years. What can these be? No student grants, no subsidies for businesses, and no benefit that helps someone in situations that do not risk the health of the individual. By doing this, the government would be able to encourage the payment of taxes, as well as the healthcare coverage for most of America.

It should be noted that even the President of the United States can see that there are healthcare systems that work, for example he noted the Intermountain Health Care Systems in Utah. It "provides above average healthcare, at below average prices" stated President Obama. It is clear that low cost healthcare is possible. The President was referring to the non-profit organization (including the insurance arm under the name of Select Health) that was started by the LDS Church that now provides some of the best medical care in the world, let alone the mid-west. They recently opened what has been come to be called the Deathstar, as it was believed the new state of the art hospital built in Salt Lake City would kill off any other hospital in the area. Yet this single organization now provides better coverage at lower cost, while always keeping the need and rights of the patients as their main concern and not how much money they can make for their share holders. Now if only the government could figure that out.

There are many other things that need to be address, and we will continue with the discussion in the next post.

A Downsized Education

It has been clear for some time now that the bubble has burst. No longer is "flipping" a house considered a secure way to make a living. So many that passed up the steady career choice out of college are now struggling to get by as the companies that prospered in the time of abundant growth are now forced to cut the people that were hired hoping for the chance to become the next millionaire CEO. No one argues that the sub-prime lending extravaganza led directly to the current economic state. But how far are we willing to let the cash strapped government bodies take their spending cuts?

For years, hordes of people flocked to California as the gold rush of the exploding housing market promised to make a man rich in a year. As long as the people were continuing to make good money, they let the state government create government program after government program that were paid for by the seemingly unimportant taxes that were taken out of every workers paycheck. Programs were created that funded schools, employed workers, provided healthcare for many and others that did everything imaginable to provide for those who could not do so for themselves. Soon there was a second rush of people as those who counted on the government for support flocked to the coast in search of the never ending source of government help.

Things then took a turn for the worst. The housing market collapsed, bringing with it one of the largest banks in the world, starting a chain reaction that saw thousands lose everything and millions more lose close to it. As the dominos fell, incomes were slashed and with them, the tax revenue that so many states count on, in particular California. Face with a budget short fall that rivals the GDP of many small countries, California is now faced with finding a way to fund hundreds of government sponsored programs with no money to do such. They are unable to even pay their current obligations, being forced to send out "IOU" Checks that cannot be cashed until the next fiscal year. Being forced to trim the fat from the various programs, where does the state turn? Education.

With cuts to the Education budget, the California State University system is being forced to find way to save a buck. They started with tuition increases, which are to be expected. Almost every university raises their tuition a small percentage to keep up with inflation. There are few, however, that find it necessary to raise their cost of an education by 30% in less than three months. Even with this steep increase in tuition, teaches will be forced to take a 10% cut in pay by taking two day furloughs every month, resulting in two days of classroom education missed by the students enrolled.

Why is it that so often the immediate effects outweigh the long term results? We know that the only way for a society to grow is through the education of the people. It does not matter in what the people receive an education, be it a degree in marketing or a course in car repair, all that matters is that the people are given a chance to reliably provide for themselves. Californian has always seemed to understand this as they have made higher education in there state more affordable than almost any other place in the country providing a chance at an education to thousands more that may have had the opportunity otherwise. Why is it then that one of the very first things they cut funding too is the education system.

Times are hard. There is no room for waste of resources, but the only way to overcome the current situation is to educate the people in a way that will allow them to provide for their families for years to come. A taxpaying worker is far more helpful to a society as a whole then is the man who still uses government programs to get by because the state cut funding for his education. Yes we need to feed the children, and yes we need to care for those who are physically unable to care for themselves, but close behind is our responsibility to help others provide for themselves. You can give a man a fish, or you can teach him how to work. Downsizing education will only make it more difficult to learn how to cast a line.