Tag: insurance
Americans are unhappy with the state of health care and insurance
“the shooting came at a time when health care seemed to be experiencing a bit of a surge in importance among Americans after the election. The share of registered voters who named it as the most important issue facing the country in YouGov/The Economist tracking polls had gradually declined from around 10 to around 7 percent throughout 2024, and even fewer, 4 percent, said it was the top issue specifically in determining their vote in the election. But after the election, that number has gone back up to between 8 and 11 percent.
A YouGov poll last week also found that more Americans, 49 percent, had an unfavorable view of the American health care system than the 42 percent who had a favorable one. Other polling suggests that Americans are as unhappy as they ever have been in recent years with the current state of health care. And while many Americans pointed fingers at the opposing party for the problems they see, more than 6 in 10 overall agreed that pharmaceutical and health insurance companies, as well as corporate executives like Thompson, were to blame for problems in the American health care system.
The U.S. remains unique among its peer nations in relying on a for-profit health insurance system and, as Mangione’s own writings alluded to, many Americans have expressed rage at a system that can deny coverage for people’s medical treatments while making shareholders and CEOs very rich. Despite decades of presidents trying to ensure universal access to health insurance, about 8 percent of Americans remained uninsured as of last year, and a higher percentage, about a quarter of American adults, said they or a family member had struggled to afford health care over the past year, whether they were insured or not.
By and large, Americans are unhappy with the costs of care and often find their insurance difficult to use. The share who rated the quality of health care in this country as “excellent” or “good” was just 44 percent in Gallup’s annual health and health care survey, conducted Nov. 6-20, its lowest point since 2001, when Gallup began asking the question. Even fewer, 28 percent, said the same about health care coverage — i.e., what insurance programs do — the lowest it has been since 2008″
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“A growing share of Americans in Gallup’s surveys seem to want the government to take action to improve health care access: 62 percent said it was the federal government’s responsibility to ensure all Americans have health care, the highest it’s been since 2007. Republicans are the least likely to agree with this sentiment — 32 percent said so, compared to 90 percent of Democrats and 65 percent of independents — but those numbers have increased by around 20 percentage points among all three groups over the past decade or so.
Perhaps surprisingly, YouGov polling found that around two in three Americans are at least somewhat satisfied with their health insurance plans — but that topline figure doesn’t capture a lot of nuance. For example, 89 percent of those with Medicaid were satisfied with their health coverage, compared to 75 percent who are covered by an employer-sponsored plan. Unsurprisingly, those who had had an insurance claim denied were also more likely to be dissatisfied with their coverage.
And despite many being mostly satisfied with the plans they have, a high number of Americans still experience problems using them. KFF, a nonprofit health policy research organization, found in a survey last year that 58 percent said that they had at least some trouble using their insurance in the previous year — including issues like denied claims or difficulty accessing in-network providers — and nearly half of whom said their biggest problem was not resolved to their satisfaction. Overall, 18 percent of Americans with health insurance had experienced a denied claim, and those were more common among people with private or employer-sponsored insurance. Around a quarter of those who’d had a claim denied suffered serious consequences, like a decline in health or not receiving recommended medical care.”
https://abcnews.go.com/538/americans-unhappy-state-health-care-insurance/story?id=116775693
Medicare Advantage: Good? Or Bad? Part Three: Efficiencies, Prices, Administration Costs, Affordability, and Additional Benefits
Medicare Advantage: Good? Or Bad? Part Two: Medicare Advantage Costs the Taxpayer More
Medicare Advantage: Good? Or Bad? Part Two: Medicare Advantage Costs the Taxpayer More
https://www.youtube.com/watch?v=UFkm7WMxIc8
Medicare Advantage: Good? Or Bad? Part One: Introduction and Brief History
A main point to having private versions of Medicare ran by for-profit health insurance companies as an alternative option to Traditional Medicare is to save the taxpayer money by taking advantage of efficiencies gained in private competition and private flexibility while also
Medicare Advantage: Good? Or Bad? LC Sources
Medicare Advantage: Good? Or Bad? LC Sources
Health care costs could spike for millions of families
“For millions of families, a spike in health care costs might be around the corner because crucial subsidies are set to expire at the end of next year. Some families will see their premiums rise by thousands of dollars; others might lose their insurance altogether.
In 2021, President Joe Biden signed into law the American Rescue Plan Act, which included a provision that enhanced the premium tax credit — a piece of the Affordable Care Act (ACA) that subsidized the cost of premiums for some lower- and middle-income families. The Biden-era enhancements, which essentially expanded the number of people who qualify for the tax credit, were originally set to expire at the end of 2022, but Congress extended them through 2025 when it passed the Inflation Reduction Act. (For families at or slightly above the poverty line, the enhanced tax credit subsidizes the full premium. For people making more than 400 percent of the poverty line — people who were previously ineligible for this subsidy — it caps their premiums to 8.5 percent of their income.)
The enhanced premium tax credits contributed to a record number of insured people in the United States. In February 2021, before Congress expanded the premium tax credits, 11.2 million people were enrolled in health coverage through ACA marketplaces. By 2024, that number shot up to 20.8 million people.
There are many reasons for the dramatic increase in marketplace coverage — including the fact that millions of people were disenrolled from Medicaid coverage after Covid emergency measures lapsed and had to turn to other forms of insurance, including the marketplace — but the enhanced premium tax credit played a critical role. Its expansion was the main reason so many more people were able to enroll in health care coverage from the ACA marketplace, according to the Kaiser Family Foundation.
If Congress allows the enhanced premium tax credits to expire, millions of people will see a noticeable rise in out-of-pocket expenses. Many will likely lose their coverage, and that’s without considering how much more will be at stake if Medicaid gets slashed as well. For low-income families, particularly those who live just above the poverty line, that could be a nightmare.”
https://www.vox.com/policy/387424/enhanced-premium-tax-credit-health-care-marketplace-aca
UnitedHealthcare CEO shooting updates: Police identify Luigi Mangione as person of interest detained in Altoona, Pa.
“police identified the person of interest as 26-year-old Luigi Mangione, who was spotted at a McDonald’s in Altoona and taken into custody by local police on gun charges. Mangione was found in possession of a ghost gun and suppressor consistent with the weapon seen in video footage of the crime, a fake New Jersey ID matching the one the suspect is believed to have used at a Manhattan hostel and clothing, including a mask, that match those worn by the suspect.”
https://www.yahoo.com/news/live/unitedhealthcare-ceo-shooting-updates-police-identify-luigi-mangione-as-person-of-interest-detained-in-altoona-pa-142515789.html
Why is US health care like this?
” In most rich countries, people don’t have to worry about sifting through a dozen different health plans — and they don’t live in fear of losing their health care after losing a job, and they receive more affordable, higher-quality care than Americans do. The paradox of the world’s wealthiest nation having one of the weakest health systems among developed nations has long been a vexing policy problem — without an easy solution.”
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“American health insurance, as we think of it today, started to take shape in the 1920s, as the medical profession was being standardized and modern hospitals were being built. Some employers started offering payments for hospital-based services as a perk for their workers. Companies had large groups of employees, some in good health and some in bad, to spread the risk and make the finances work much like modern-day insurance does.
This system soon became entrenched enough that President Franklin D. Roosevelt bypassed plans to include national health insurance as part of the New Deal. Then came World War II, along with government-mandated wage controls for employees in the private sector to keep the war machine moving. Barred from offering raises to motivate their workers, companies started pumping up their health benefits — and the government agreed to exempt those benefits both from wage controls and taxes.
By the 1950s, employer-sponsored insurance had become popular among those who received it and progressive labor unions urged the government to make the tax exemption permanent. Congress agreed, enshrining in 1954 the subsidy for company health plans in federal law. Doctors and hospitals, whose industry was growing into the leviathan that it is today, became accustomed to working with private insurers rather than with the government directly.
Today, these work-based health plans still cover roughly half of all Americans.”
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“The problem with the employer-based system was it left out too many people because they didn’t work or didn’t have a job that offered health insurance. To start filling in the gaps, in 1965, Congress created Medicare and Medicaid to cover two of the biggest groups of people who lacked coverage: seniors and people in poverty.
After that expansion, we had a system that covered most Americans — which made it hard to change, because people feared losing what they had.
Those fears, supported by the medical industry’s campaign against “socialized medicine,” doomed the health care overhauls proposed by presidents Richard Nixon and Bill Clinton that would have consolidated most Americans into a national insurance scheme. Certain tendencies in American culture — consumerism and trust in private markets — made it easier to persuade the public that they’d lose under a government-run health plan.
Meanwhile, the US health care system still had obvious holes. Rather than threaten the status quo, policymakers added new patches.
CHIP was approved in the 1990s, covering children of working-class families whose incomes were not low enough to get Medicaid. (Their parents, however, were often left without any coverage at all.) The 2010 Affordable Care Act, also known as Obamacare, was designed to fill that gap by covering people who didn’t receive health insurance through their jobs but didn’t qualify for Medicaid.
Yet even after a half-dozen rounds of incremental health reform over five decades, about one in 12 people in the US lack health coverage and Americans are much more likely than people in other developed nations to say they skip medical care because of the cost.”
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“Other countries built their health care systems more deliberately.
After World War II, the United Kingdom sought to extend medical security to all its citizens, creating the National Health Service; many other European governments followed suit.
A half-century later, another wealthy island nation made the same choice. Taiwan, building a modern democracy after decades of authoritarian rule, scrapped a fractured, inequitable health system to set up a national insurance program that would cover everyone. It was a proclamation of solidarity after a tumultuous military dictatorship had come to an end.
Not all countries have opted for a single government program, but their systems are still simpler than America’s and cover the entire population. In 2006, the Netherlands opted to trade a dysfunctional two-tiered insurance system for a universal program that relied on private coverage but was nevertheless designed to insure everybody. The uninsured rate there today is less than 1 percent (some people opt out).
But the US? We’ve never paused to build a fairer, simpler, uniform health system.”
https://www.vox.com/explain-it-to-me/375082/us-health-insurance-plans-medicare-medicaid
Florida is Uninsurable: What Next?
Florida is Uninsurable: What Next?
https://www.youtube.com/watch?v=aInEjb0Obw4