Good morning, all! Doing a bit of co-blogging today so Rod can concentrate on other things.
Is it just me, or does some of the language being employed in the health care debate sound a little odd? For example:
House Democrats on Tuesday rolled out a far-reaching $1.5 trillion plan that for the first time would make health care a right and a responsibility for all Americans, with medical providers, employers and the wealthiest picking up most of the tab.
The federal government would be responsible for ensuring that every person, regardless of income or the state of their health, has access to an affordable insurance plan. Individuals and employers would have new obligations to get coverage, or face hefty penalties. [...]
The legislation calls for a 5.4 percent tax increase on individuals making more than $1 million a year, with a gradual tax beginning at $280,000 for individuals. Employers who don't provide coverage would be hit with a penalty equal to 8 percent of workers' wages with an exemption for small businesses. Individuals who decline an offer of affordable coverage would pay 2.5 percent of their incomes as a penalty, up to the average cost of a health insurance plan. [All emphasis added--E.M.]
Now, there are plenty of other details in the House's plan that seem odd, such as the idea of expand Medicaid coverage for individuals and families up to 133 percent of the poverty line, but for the moment I'm more struck by the words being used. Health care is a right and a responsibility? Americans are obligated to purchase coverage, or they'll face penalties?
I think one of the frustrating things about talking about health care is that just about everyone agrees that people ought to be taken care of when they are ill or suffering. That's health care, and making sure people can get it is a good thing.
But what we're really talking about is mandating insurance coverage--and anyone who thinks that insurance coverage and health care are the same thing probably hasn't dealt with either one lately.
People who have insurance coverage can still lack access to health care. You might live in a rural area and need to see a specialist, for instance--but the nearest one is a considerable distance away, and you'll pay an "out of network" fee for going to see him, provided your primary care physician will give you the required recommendation in the first place. Having the option to buy a government insurance plan isn't going to change that situation for you in the least, and there's a chance that the government plan--should you switch to it--won't cover your visit to a specialist at all, especially if your condition is not life-threatening or doesn't meet other guidelines for care beyond a visit to your primary physician.
On the other side of the equation, people who lack insurance coverage aren't necessarily cut off from health care. The House plan estimates that 17 million people will remain without health insurance, half of them illegal immigrants. For this group of people, the availability of a government insurance plan doesn't change their ability to receive care at emergency rooms or similar facilities--and no, that's not adequate access to health care, but the point is that nothing about the new health care plan will change that. If you are an illegal immigrant in America, your ability to receive health care will be the same after a government plan option is initiated as it is beforehand.
Granted, for some people increasing their opportunities to purchase health insurance, subsidizing that insurance, and offering a government plan to compete with private insurance may help increase their overall access to health care--but for others of us, having more options to purchase health insurance, along with specific mandates to do so or be penalized, won't "fix" the aspects of health care our experiences of the industry find most broken at the present time.
Besides, when we employ the language of rights to talk about health care, I think we're in danger of losing sight of the pragmatic realities. It's true that people have certain basic human rights--food, clothing, shelter, and the like--and that the sick and suffering also have the right to receive care, even if we need to help them pay for it. But mandating that people be obligated to purchase health insurance, private or government-provided, or face penalties for the failure to do so may not change the landscape of health care as much as we'd like to think it will.