Health Care Lapses are One of the Main Causes Behind Increasing Foreclosures
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Appalling health care lapses have been one of the main causes behind increasing foreclosures. Without jobs and suffering from ill health the people hardly had funds in the pocket to be current with a defective health care system.
The health care debate goes on and one giving rise to the conviction that the system needs basic shakeup. It is necessary to shift from a fee-for-service infrastructure to one that is oriented towards better caring and not concerned merely with the hassles of procedures. Health care has to shift from being employer based that has been responsible for eroding its intrinsic value year after year. The new system has to be more transparent in which the ordinary American can see the result of choices made.
So far the approach taken by Sen. Ron Wyden (Democrat/Oregon) seems to be the best. This approach was first inserted in a bill together with Robert F. Bennett (Republican/Utah). It has been since then watered down to an amendment with the latest bills. It suggests combining a choice together with universal coverage.
By it people would be able to continue with their current plans. But if they did not find it satisfactory they could take from the employer the dollars that the latter spends for it, add extra if required and shop around for better options on an exchange under regulatory supervision. Those without insurance would be offered subsidies to shop at these exchanges.
All would benefit. The people would have alternatives and the thriving exchanges would give rewards to the providers and insurers who proved their efficiency, creativity and innovative skills.
But unless a legislative miracle takes place the Wyden linen of approach would not become a reality – it was to all effects killed by the Committee in the previous week. The business section together with the union groups lobbied frantically against it. They do not want to give up their control over the benefit packages of the employees and the members. In principle many politicians support the Wyden approach but in practice they do the opposite. Their fear is that if they initiate radical reforms to the system the voters would revolt.
Thus Americans should be prepared to get reform in the health insurance sector but not in health care. It means the current system would be adjusted and expanded but it would not be basically changed. The ordinary people would be left with a couple of bad choices.
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