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Staff members of Carolina Parent magazine provide insight, tips and suggestions on making the most of family life.

Wanted: Universal Health Insurance

If you’ve ever been laid off, you know what’s coming: first, numbness and shock, then hurt and betrayal that your hard work has amounted to nothing. Then comes the real problem: paying the family’s bills, especially for health care.

In 2007, more than 45 million Americans were without health insurance. Now that the recession has hit,
more people are uninsured. Millions of parents are waiting anxiously to see if they’ll able to afford doctor visits for their families under President-elect Barrack Obama’s promised health care reforms.

Even for those with jobs that offer insurance benefits, affording health care is a daily struggle. In North Carolina, family health care premiums rose an estimated 5.3 times faster than earnings for North Carolina’s workers from 2000 to 2007, according to a
report from Families USA, a nonprofit that promotes high-quality, affordable health care for all Americans. In that eight-year period, family health care premiums rose by 74.7 percent, while median earnings rose by only 14 percent. For family health coverage provided through the workplace in North Carolina, annual health insurance premiums in the 2000-2007 period rose from $6,649 to $11,618—an increase of $4,969, according to the report.

I used to hear people arguing that if we adopt universal health care coverage for every citizen, the quality of health care will suffer. I don’t hear that cry so much now that health care is out of the reach of so many. In 2007, health care spending across the nation grew by 6.1 percent to $2.2 trillion, translating into $7,421 per person for the year, according to the Associated Press.

We don’t have much to lose and everything to gain by trying to ensure that healthcare becomes a national benefit for every American, just like a free public education. Educated and healthy: that’s a great start for everyone. Then finding a job might seem less challenging.

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Lets see...the cost to insure the additional 45 million people using your figures...11,600 * 45 Million equals 522 BILLION dollars. That does not include the cost of government ineffeciencies. Are you ready to take on another 500 BILLION in taxes every year? Remember, this is just for the 'uninsured' .

Just how many of those "uninsured" are really uninsured and not selectively uninsured? I personally have selected to be "uninsured" to save money. I have major medical insurance, but have chosen to not have everyday coverage because it costs less to have insurance. If you live a healthy lifestyle then you shouldn't require as many doctors visits as an unhealthy person. Besides, if you have to go to the doctor without health insurance it costs less because the doctor doesn't have the hassle of filing for insurance and waiting 6 months for payment. For you folks who want universal health care why don't you just go onto Medicare and save the rest of us the hassle of waiting for government to get us healthy! Government is not the answer. Just look around the world where there is government sponsored health care; you'll find waiting periods for basic services and you'll no longer have control of your own health! Why don't you move to China or Russia so you can be "saved" by government!

The US already has the most inefficient health care system in the world, we pay more per capita than all other countries, our administrative costs are also the highest as a percent of total health care dollars. This is probably due to the hodge-podge of private insurance companies, their profits and bandaid public solutions that don't cover everyone.

We need to look at all the Universal systems in the world, look at the ones that work best, see how we can fit that into our country. We can save money, get better health care, eliminate the number one reason Americans go bankrupt and make our manufacturers more competitive by tackling this problem.

I am a healthcare provider and have been an advocate of universal health coverage since Clinton was in office. I believe that the US can avoid waiting for specialized health care if the primary care is provided by nurse practitioners and physician assistants. That will free up the medical doctors to specialized (so we have more specialists) and to be able to see more patients.

Do we really want a health care bureaucracy that is as inefficient as the public school system? The "free public education" you hold up as a model is a grotesque characture of what is was meant to be. We throw money at it with no improvement.

nickrk,

Why would a Universal Health care system be anything like our public school systems which are run at a local level?

There are dozens of advanced industrialized nations like ourselves that offer Universal Health care. They have different methods of delivering it, some rely more on private providers and insurers, other more public. All of these countries have lower costs than we do, all provide universal coverage and all eliminate the problem of people going bankrupt due to medical costs.

I don't understand why so many Americans prefer to have such an expensive inefficient system as we have. Shouldn't we be aiming to be number 1! (I think we're currently ranked 37th)

Who wants to be on a waiting list just to see you doctor, let alone for treatments, sometimes life saving, or tests to see if we havae cancer, or a brain tumor or whatever? Socialized medicine is brankrupt in alomost every country that has it. Canadians and Brits come here to receive the necessary treatments they need cuz they can't afford to wait months for them at home. And heaven forbid, they're over a certain age cuz then they aren't even eligible! Is this what we really want or need? I do not want socialized medicine in any of its forms, including anymore taking of my money without my consent to pay someone else who won't work for their own funds! That's what's happening now as the Feds are taking over the nations banks, auto industry and everything else their trying to usurp power over. This is NOT what our Founding Fathers had in mind when the wrote the Constitution...in fact it is the exact opposite! Save our Constitution and our country!

littlegramma,

People in these countries with socialized medicine have longer life expectencies than we have. Instead of relying on scare tactics and myths, look at the actual data.

The US has the highest cost Health care system in the world. We have the highest percent of our dollars going to administrative costs in the World. Medical costs are the number 1 reason for personal bankrupcies.

The sad truth is... If you're healthy or have a government job that provides insurance you're always insured for medical expenses. If you're not, you'll be priced out of the market. Fewer and fewer private companies will provide health insurance in the future as they are competing on a Global market where the competition doesn't provide health benefits.

"I don't understand why so many Americans prefer to have such an expensive inefficient system as we have."

PREFER?

I don't quite think that's the best word here. I don't prefer much of anything that is expensive OR inefficient.

A huge reason for America's problematic ILLNESS industry is that Americans will not & do not take care of themselves. Most do not eat healthy diets nor exercise on a daily basis. Most rely solely on their docs for drugs &/or surgery as the ONLY source of treatment. Most are too busy, do not care, are too lazy, or are too stupid to realize they are just human guinea pigs. The FDA is NOT protecting us, nor the USDA. Big Pharma is in control & wants it to stay that way. The food industry has immensely contributed to this problem as they continue to crank out "new" & "improved" in name only to pursue their bottom line-profits.

The US illness industry thrives along; the docs-hospitals-ins companies-drug companies-FDA want it that way.

I agree with everything you say Animal Lover, but every time there's talk of reform, the Conservatives yell socialism and nothing gets done. Little do these Consevatives know, they're just pawns of the health care industry.

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