nav-left cat-right

Reorganize the Health Care System

All citizens of our country deserve the security of universal health care that guarantees access based on needs rather than income.

It is a fundamental human right and an important measure of social justice. The government should play the central role of regulating, financing, and providing health care. Everyone faces the possibility of poor health.

The risk should be shared broadly to ensure fair treatment and equitable rates, and everyone should share responsibility for contributing to the system through progressive financing.

The cost of health care is rising. Over the past years its expenditure have risen faster than the cost increases reported in other sectors of the economy. As a matter of fact, the free market doesn’t work for the health care system.

There are two ways of financing health care:

The first is a private method of financing, by means of using workers’ and corporations’ money as premiums for acquisition of private insurance, which provides medical care. The established order leaves far behind 47 million people without health insurance.

The second way, which is used by all developed countries of the world, is by taxing the workers for health care, which generates a pool of money, financing it through the budgets of the countries. The people of our country prefer private medical insurance and private health care. Getting accustomed, in the course of time to the existing system, our people reject all other proposals independent of their merits.

An analysis of the acting system of private health insurance shows that this in essence is a social method of distribution of collected premiums. The insurance companies collect premiums from all insured workers and spend a part of them for health care of needy patients. As we see, private stays only the misappropriation of profits. Social distribution is carried out not on the scale of the full country, but is only limited by every medical insurance company.

Medical insurance companies use as the basis of their operations an unfair practice. They select for medical insurance only relatively young, healthy, working people, which rarely are sick. They constantly increase the premium rates, excluding retirees who need substantially more care. Thus, the health insurance companies established for themselves hothouse conditions. They make billions of dollars in profits, which in essence is a simple misappropriation of unused means of healthy people, that don’t need medical services. Justifiably these means should be set aside in a special fund and used for care when these workers retire.

Under the existing system, medical insurance companies have every reason to limit our care and increase our co-payments and deductibles. HMOs are famous for refusing to cover necessary hospital stay, denying people coverage for emergency room visits and balking at medically necessary procedures and therapy. The main reason our system is so expensive is that it has to support profit-hungry HMOs. In the U.S. thirty percent of each premium dollar goes to pay for administrative expenses and profits.