Xiaoaxiao's health blog

Gaozhou phenomenon back from Zhenjiang mode, then it is paying attention to the United States. Health and medical sister hidden for some time, started out participating in the fierce “struggle between the Chinese medical reform.” Health and medical sister said: “We Do not frequently say” I support Obama, or I am against Obama. ” We have to analyze the U.S. Health care reform, why the Americans in favor of Obama or against Obama. “She's such a gentle one that reminds me of the University of Chicago professor Gary? Becker (GaryBecker, 1992 Nobel laureate in economics) an article, in his view from an economist's point of view, that U.S. medical reform is back. I do not know what his political leanings, but we might also read his article, the benevolent view of the embodiment of benevolence and the wise see wisdom of that?

Economist in the eyes of U.S. medical reform

general improvement in people's incomes, changing drugs, medical advances, no matter how different medical insurance system, including the United States healthcare expenditure in many developed countries the proportion of the national budget in surge.

U.S. healthcare spending has been increased to 17% of GDP, which is largely within the current U.S. healthcare system defect directly related. However, compared to the current hot new health insurance bill, I would prefer the U.S. health insurance system, the status quo in the next decade.

This is because the new Medicare bill passed both houses of Congress, but to win over conservative Democrats and hasty compromise on the urgent reform of the project is not involved. In fact, the bill involves more complex – often means worse – the regulation means more subsidies and higher taxes.

health care reform priority is to improve the health insurance pays the cost of the proportion of total expenditure. It consists of gold and common insurance pays less two. In the United States currently pays Medicare spending accounted for only 12% of the total cost of health insurance; and more developed in the health care system in Switzerland, which accounted for more than 30%. Swiss health insurance into the cost of only 11% of GDP, far less than the United States, in large part is due to this.

However, the new health insurance bill not only failed to increase the proportion of pay, and the result of policy changes may also be counter-productive. For example, the income is below the federal poverty line 400% of the individuals and families, through new health insurance exchange to purchase insurance, obtain tax subsidies.

Also, for failure to provide full medical insurance to employees of enterprises, the new bill will take substantial fines. Small businesses to provide jobs attributed to the hardwork on. The new bill would reduce the employment needs of small businesses, reduce the salaries of employees.

I think the U.S. health insurance market, the industry regulator is not “weak” but “excessive.” New bill to increase health insurance industry strongly supervision. For example, health insurance companies limit the proportion of administrative expenses, review health insurance premium charged; does not allow one state to purchase health insurance across state families; some states require insurance companies to include health insurance in normal fertile women, but this is not a contingency medical insurance.

health savings accounts (HSAs) in the past decade, medical services, one of the most important innovations in the field. The accounts require individuals or families pay a higher net payment, and to encourage regular citizens save Medicare spending, the balance can continue to use in the future, and enjoy tax benefits into the pension funds will eventually account. However, the new bill is rarely mentioned health savings accounts, let alone to promote expanded.

the United States to be to enhance the transparency of the health insurance system, consumers need to be more accessible medical information channels. At this point, the new Act made a valuable step, which encourage the development of online medical records and personal medical records of all the people. But overall, the Act to promote consumer awareness no health insurance benefits.

government often taken after the first tax incremental approach, the new medical insurance system can ultimately reduce health care costs remains to be seen. Consumers may mistakenly think that would enjoy a more efficient medical care system, while the new system actually costs more expensive, more interference with individual choice.

new Medicare bill's supporters said that, through the reduction of social medical assistance (Medicaid) and social health insurance (Medicare) funding The new bill would save the United States in the next decade hundreds of billions of dollars; but how to achieve a reduction in funding, the Bill does not give a clear explanation.

In addition, some adjustments to the bill will significantly increase project costs. Such as expanded medical assistance program will cover the social well above the poverty line income of the population, and even repeated to social health insurance coverage has been the elderly. I think that it would not increase the social health insurance savings because of medical insurance payments from the insured person has not increased, while Congress may continue to oppose cuts in social health insurance plan medical personnel and other expenses.

In fact, the reduction of social health insurance funding for the most feasible way is to reduce health insurance platter in the social health insurance plan costs ratio, but this approach may have been strongly opposed. Now there are 40 million U.S. health insurance system are not covered by taxpayers.

such health insurance coverage is limited to health problems, which uninsured people, more cost-effective. Because most of them young, healthy, and do not mind paying your own. The new bill does allow enforcement of health care services, but the pursuit of the wider impact of the subsidies have covered much higher than the poverty line income individuals and families of this force is not pleasant.

short, even if the U.S. Medicare system to maintain the status quo, will be better than the results of new medical reform bill. Overall, the current system more advantages than disadvantages, and the new bill is short to avoid long-Jan.