As you read this article, you might wonder "isn't this how it should always have been"? You might remember a time when the doctor was someone who cared about his patients, and when your insurance was there to help you, not turn you down.
Maybe, instead of taxing our benefits or fining those who don't have insurance, we should look at reforming the insurance industry itself. Health care is, as the author states, a moral responsibility of a just society...it's one of those few business areas that really should not be a profit-driven free market.
A mutual non-profit system is his proposal, and it is a good proposal. Think of it in analogous terms to a local electric co-op...the goal isn't shareholder dividends and/or boosting the CEO pay, it's about providing an affordable service to the community it serves. Quality is improved, costs are kept in check, and fraud/abuse is kept to a minimum.Quite simply, making a profit from something as fundamental to human life as medical care seems morally wrong to me. Especially when the profit comes not from providing actual care, but solely from facilitating the financing of that care.
I cannot say that medical care is an individual right. It is not. But I have no problem at all stating that providing medical care as needed is a moral obligation of a just society. Our current private health insurance system does not contribute to fulfilling this obligation. Its sole reason for existence is profit.
Novel idea? It's actually a somewhat old-fashioned idea that probably needs to see the light of day again. It almost reminds one of the days when we all cooperated to help one another, not for gain, but because it was just the right thing to do.
And in many instances, decisions made at the lowest level are better, more responsive, and more attuned to the needs of the end user.
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