Who Has Health Insurance In The U.S.?Only about 6-in-10 of us have employer-provided health care insurance, and almost 2-in-10 had no health insurance in 2006, according to the U.S. Census. Children in poverty are more likely (19.3 percent in 2006) to be uninsured than all children (10.9 percent in 2005).
The percentage of people covered by government health programs decreased to 27.0 percent in 2006 from 27.3 percent in 2005. About half were covered by Medicaid.
One political question: how to provide affordable health care to Americans with no insurance?
How Much Does Health Care In The U.S. Cost?According to the Department of Health and Human Services, as a percentage of gross domestic product, known as GDP, health care spending is projected to increase to 16.3 percent in 2007 from 16.0 percent in 2006.
Through 2017, growth in health spending is expected to outpace that of GDP by an annual average of 1.9 percentage points. This projected differential in growth rates is smaller than the 2.7 percentage-point average difference experienced over the past 30 years, but wider than the average differential (0.3 percentage point) observed for 2004 through 2006.
What Is U.S. Public Opinion On Health Care?According to Kaiser, health care was the number two issue early in the 2008 presidential campaign, behind Iraq. It was important to almost 4-in-10 Democrats and Independents and 3-in-10 Republicans. Most people (83-93%) who are insured are satisfied with their plan and coverage. Nevertheless, 41% are concerned about rising costs and 29% are worried about losing their insurance.
Public Agenda reports than in 2007, 50 percent believed the health care system needed fundamental change; another 38 percent said "completely rebuild it." In January 2009, Pew reported that 59 percent of us believe reducing health care costs should be a priority for President Obama and Congress.
What Does Health Care Reform Mean?The U.S. health care system is a complex mix of public and private programs. Most Americans who have health care insurance have an employer-sponsored plan. But the federal government insures the poor (Medicaid) and elderly (Medicare) as well as veterans and federal employees and Congressmen. State-run programs insure other public employees.
Reform plans usually take one of three approaches: control/reduce costs but don't change the current structure; expand eligibility for Medicare and Medicaid; or scratch the system and start over. The later is the most radical plan and is sometimes called "single pay" or "national health insurance" although the terms do not reflect a consensus.
Why Is It So Hard To Reach Consensus on Health Care Reform?In 2007, total U.S. spending was $2.4 trillion ($7900 per person); it represented 17 percent of gross domestic product (GDP). Spending for 2008 is expected to increase 6.9 percent, twice the rate of inflation. This continues a long-standing trend. Health care is big business.
Politicians want to control costs but they cannot agree on how to stem the tide of outlays or the increased cost of insurance. Some want prices controls; others think that market competition will solve all problems.
The flip side of controlling cost is controlling demand. If Americans had more healthy lifestyles (exercise, diet), then costs would decline as health care demand declined. However, we don't yet legislate these types of behavior.
Who Are The House Leaders On Health Care Reform?House Speaker Nancy Pelosi (D-CA) has stated that health care reform is a priority. Three House committees will be instrumental in any plan. Those committee and their chairmen:
- House Education and Labor Committee, Rep. George Miller (D-CA)
- House Energy and Commerce Committee, Rep. Henry Waxman (D-CA)
- House Ways and Means Subcommittee on Health, Rep. Pete Stark (D-CA)
Who Are The Senate Leaders On Health Care Reform?Health care reform is important to Senate Majority Leader Harry Reid (D-NV), but there is no consensus among Senate Democrats. For example, Senators Ron Wyden (D-OR) and Robert Bennett (R-UT) are sponsoring a bipartisan bill, The Healthy Americans Act, which acknowledges the positions of both sides. The relevant Senate committees and chairmen follow:
- Finance Committee, Sen Max Baucus (D-MT)
- Health, Education, Labor, and Pensions Committee, Sen Edward Kennedy (D-MA)
What Is The Obama Plan?The proposed Obama health care plan "strengthens employer coverage, makes insurance companies accountable and ensures patient choice of doctor and care without government interference."
Under the proposal, if you like your current health insurance, you can keep it and your costs might go down by as much as $2,500 per year. But if you don’t have health insurance, you will have a choice of health insurance through a plan managed by a National Health Insurance Exchange. The Exchange would provide a range of private insurance options as well as a new public plan based on benefits available to members of Congress.
Original Medicare has two parts: Part A (hospital insurance) and Part B (coverage for doctor services, outpatient hospital care, and some medical services not covered by Part A). Controversial and costly prescription drug coverage, HR 1, Medicare Prescription Drug, Improvement, and Modernization Act, was added in 2003; it took effect in 2006.