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RE: Cal SB 562 - Universal Health Care - 5/2/2017 7:10:10 PM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: freedomdwarf1
I have tried to explain it to you many times Desi.
quote:

ORIGINAL: DesideriScuri
1. It's cheaper in other countries. No one here is disputing that.

But you are constantly disputing where those cost savings come from.


I dispute that the US will see spending drop simply by changing systems.

And I have given you dozens of examples in multiple threads of where massive savings are made when insurance companies are not involved and when the spending power of a whole country produce economies of scale.
Economies of scale are indisputable facts regardless of where it is applied, including healthcare.
You refuse to believe this yet it is proven everywhere there is any single-payer system in operation.

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
2. No one can show that a country that switched to socialized medicine had costs drop. The only thing anyone can show, is that costs rose slower. So, thinking that costs are going to drop if only the US would switch to a socialized plan, is unproven.

UK 1948 - The government unleased the NHS system.
Medical costs plummeted and everyone was covered no matter who you were.
No more profiteering by private doctors that only the rich could afford.


Cite please.

I have also given you plenty of cites to prove my point as well as personal examples.
Before the NHS was created in 1948, only the affluent could afford to see a doctor or pay for effective medicine.

Here's 2 more picked at random -
From Star Medical: The National Health Service has grown to become the world’s largest publicly funded health service since its launch in 1948. You could argue it’s the most cost-effective healthcare system in the world in terms of the extent of care it provides, and while its difficulties are widely documented, it’s also internationally renowned as a system for quality healthcare delivery.
From Ecenomics Online: Wanless recommended that the current system, based on general taxation, should continue because it achieved the right balance between equity and efficiency.
The report was particularly critical of private insurance, regarding a system based on private insurance as:
1) Inequitable - unfair on the less well-off.
2) Having high administration costs
3) No incentive for cost control - note the problem of third-party payment.


The Wanless report basically identified that private insurance was not as cost-effective as publicly-funded systems.

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
3. Continuing to point out (what the Left does; this comment is not directed specifically towards you) that the socialized systems pay, roughly, 50% of what the US pays (overall) is disingenuous, at best.

My best guess is that it's considerably LESS than 50% of what a typical US citizen would pay.
There are many examples of where a socialised healthcare system caps costs that the US rip-off people.


It's typically 50% lower %GDP aggregate spending, isn't it?

The UK spends less than most EU countries on healthcare as %GDP.
The WHO puts costs per day bed (excluding drugs & diagnostics) at over $1,000/day.
A typical day bed in NHS hospitals are just £400/day (about $500).

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
4. Where are the profits in the US health care system?

With the insurance companies.


Insurance companies are required, by current law, to spend 80% - at a minimum - of premium revenues directly towards care. If an insurance company had no other costs, outside of covered care - no utilities, no staff, no physical assets, etc. - the most profit they could see is 20%. That doesn't get us to 50% savings.

We've had this argument before.
The cost of care in the US is a lot higher than elsewhere so that 80% minimum requirement actually buys you less care than elsewhere.
When that cost, in itself, is a lot lower, that's where you'll gain your savings.
And of course, no profits to account for either.

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
5. I hope you realize that my only real beef with single payer, is the lack of Constitutional Authority for the Federal Government to do it, and that I've already state many, many times, that I would support a Constitutional Amendment granting the authority to the Federal Government to provide a single payer health system for US citizens.

Why would they need authority to do it Desi??
Just introduce it and for those that quailfy or pay into it - let them receive the benefits of the system.
People will soon realise just how much better it is than insurance-based systems.


That's not how the political system is supposed to work in the US. Any Constitutionality question would be moot if all that had to be done was introduce it. The US system sees all authorities existing within the individual, unless authorities were granted to government. The US Constitution was a compact between the People and the States granting authorities to a Federal Government. It didn't grant all authority to the Federal Government, no matter how an Administration acts. Unless provision of care was an authority granted through the Constitution, it isn't supposed to be allowed to do it.

So you are telling me that the US government isn't allowed to offer anything to the people??
That's crap.

quote:

ORIGINAL: DesideriScuri
quote:

As for the californian system... sounds to me like a parallel insurance-based system; it has all the hallmarks of one.
In single-payer systems, you don't "claim" anything and it doesn't exclude people from using other systems if they so choose.


It's not exactly parallel. The way I read the legislation, any benefits or services "Healthy California" (that's what the legislation calls it) covers won't be allowed to be covered by other insurance.

    quote:

    This bill would prohibit health care service plans and health insurers from offering health benefits or covering any service for which coverage is offered to individuals under the program, except as provided.


So, the choice would be cash or Healthy California for anything HC covers. For everything else, it's cash or private insurance.

And as I said earlier, social healthcare doesn't stop anyone claiming on their own insurance policy.
Of course, that also means they couldn't use HC for their treatment as they'd be using their own provider.
But a true single-payer system doesn't prohibit private plans like HC seems to be doing.
So it seems that HC is indeed, nothing more than a fudged insurance-based system as I suspected.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to DesideriScuri)
Profile   Post #: 181
RE: Cal SB 562 - Universal Health Care - 5/2/2017 7:14:17 PM   
mnottertail


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and that 80% includes salaries and compensation, so just give the management bigger paychecks, whats the prob?

_____________________________

Have they not divided the prey; to every man a damsel or two? Judges 5:30


(in reply to freedomdwarf1)
Profile   Post #: 182
RE: Cal SB 562 - Universal Health Care - 5/2/2017 7:18:38 PM   
freedomdwarf1


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Joined: 10/23/2012
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It pushes up costs, that's the problem.

Cut out the profits and big CEO-style salaries, and put that money towards paying for the healthcare itself.
That gives more bang for your buck and keeps the costs down - less tax for people to pay for the same service.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to mnottertail)
Profile   Post #: 183
RE: Cal SB 562 - Universal Health Care - 5/3/2017 12:09:32 AM   
susie


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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: freedomdwarf1
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: freedomdwarf1
Single-payer systems aren't "insurance".
You have to get the notion of 'insurance' and the concepts behind it out of your thoughts.

That's just semantics, which is why you put quotes around insurance.
Taxes for single payer = premiums for insurance
Government pays = insurance pays
It's true that single payer systems cover more and with less of an out-of-pocket cost, but that doesn't really make it not, essentially, the same as insurance in the US.
Sidenote: What is the employer NI rate? What is the employee NI rate?

Not semantics Desi.
Taxes for single-payer have nothing to do with insurance.
No insurance company is involved with single-payer systems.
Nobody makes a profit like insurance-based systems do.
Single-payer doesn't have investors or shareholders as part of it.
The government pay the costs of treatment, not an insurance company.
I'll repeat what I said -
You have to get the notion of 'insurance' and the concepts behind it out of your thoughts.
No, it's not 'insurance' under another name either; it's a completely different type of animal.


It's essentially the same thing.

Why do insurance companies charge premiums? So insurance companies have the money to pay for the covered care.

Why do you have to pay NI? So the government has the money to pay for the covered care. Here's the neat thing... NI? It's "National Insurance," isn't it?

Imagine that....




True it is called National Insurance but it is not managed by any Insurance company. As I stated earlier all Tax and NI collected are passed on to the Treasury (a Government department) where it is added to all other Taxes (Council tax, Corporation tax etc). The Treasury then allocate funds to the NHS, Local Councils, Prison service etc.

(in reply to DesideriScuri)
Profile   Post #: 184
RE: Cal SB 562 - Universal Health Care - 5/3/2017 4:08:26 AM   
Musicmystery


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Why do you think insurance managed by the government instead of a private company isn't insurance?

(in reply to susie)
Profile   Post #: 185
RE: Cal SB 562 - Universal Health Care - 5/3/2017 4:45:43 AM   
freedomdwarf1


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quote:

ORIGINAL: Musicmystery

Why do you think insurance managed by the government instead of a private company isn't insurance?

Because of the structure and the way it is run/organised.

When the US have a government managed thing, it still has a board of directors (on stupidly high salaries), it has investors, and the aim is to make a profit.
Not only that, people have to 'opt-in' to the scheme (or in the case of the ACA, fined if you don't).
It still has exclusions and restrictions, co-pay and deductibles.
And typical of insurance-based thinking, there are clauses that exclude coverage by other schemes.

A proper single-payer thing has none of those.
Everyone pays, regardless (as a percentage of income, not a fixed premium), and everyone (without exception) is automatically included.
On top of that, there are no exclusions, no co-pay, no deductibles, and everything is covered.
The concept of not paying for a private scheme if it is covered under single-payer doesn't arise because everything is covered and private schemes are not excluded - they run in parallel.


This is why those crazy schemes in the US are insurance-based and not a true single-payer scheme as applied elsewhere around the world.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to Musicmystery)
Profile   Post #: 186
RE: Cal SB 562 - Universal Health Care - 5/3/2017 5:46:12 AM   
MrRodgers


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quote:

ORIGINAL: susie


quote:

ORIGINAL: MrRodgers


quote:

ORIGINAL: mnottertail


quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: Awareness
Australia and Canada. Socialised medicine.
Part of the problem here is that you lot conveniently forget about the collusion in the medical industry. The costs of every good and service are vastly inflated because medicine has no competition in this country. In Australia, the government doesn't fuck about and let the medical community profiteer at patient's expense. Medicine is an essential service, not a product whose need for profit is driven by boards and shareholders.
https://en.wikipedia.org/wiki/Healthcare_in_Australia
Note, in particular, this little gem:
"In an international comparative study of the health care systems in six countries (Australia, Canada, Germany, New Zealand, the United Kingdom and the United States), found that "Australia ranks highest on healthy lives, scoring first or second on all of the indicators", although its overall ranking in the study was below the UK and Germany systems, tied with New Zealand's and above those of Canada and far above the U.S.
A global study of end of life care, conducted by the Economist Intelligence Unit, part of the group which publishes The Economist magazine, published the compared end of life care, gave the highest ratings to Australia and the UK out of the 40 countries studied, the two country's systems receiving a rating of 7.9 out of 10 in an analysis of access to services, quality of care and public awareness."
So yes. It works and produces far better results than your overpriced, poorly performing disaster in the USA.


I didn't deleted anything you quoted that your reply had to do with....

1. It's cheaper in other countries. No one here is disputing that.
2. No one can show that a country that switched to socialized medicine had costs drop. The only thing anyone can show, is that costs rose slower. So, thinking that costs are going to drop if only the US would switch to a socialized plan, is unproven.
3. Continuing to point out (what the Left does; this comment is not directed specifically towards you) that the socialized systems pay, roughly, 50% of what the US pays (overall) is disingenuous, at best.
4. Where are the profits in the US health care system?
5. I hope you realize that my only real beef with single payer, is the lack of Constitutional Authority for the Federal Government to do it, and that I've already state many, many times, that I would support a Constitutional Amendment granting the authority to the Federal Government to provide a single payer health system for US citizens.


there is no lack of constitutional authority. congress can make needful laws, and we have the right to life, as well as liberty.


See post 164...there exists and has existed for many years, single payer, govt. run, insurance corps., programs or 'system' by whatever terms one chooses to use.

Again you are talking about INSURANCE. Our pay deductions go directly to the UK Treasury where payments to the National Health Service are distributed.

Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to susie)
Profile   Post #: 187
RE: Cal SB 562 - Universal Health Care - 5/3/2017 5:50:32 AM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
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quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to MrRodgers)
Profile   Post #: 188
RE: Cal SB 562 - Universal Health Care - 5/3/2017 5:53:11 AM   
MrRodgers


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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: freedomdwarf1
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: freedomdwarf1
Single-payer systems aren't "insurance".
You have to get the notion of 'insurance' and the concepts behind it out of your thoughts.

That's just semantics, which is why you put quotes around insurance.
Taxes for single payer = premiums for insurance
Government pays = insurance pays
It's true that single payer systems cover more and with less of an out-of-pocket cost, but that doesn't really make it not, essentially, the same as insurance in the US.
Sidenote: What is the employer NI rate? What is the employee NI rate?

Not semantics Desi.
Taxes for single-payer have nothing to do with insurance.
No insurance company is involved with single-payer systems.
Nobody makes a profit like insurance-based systems do.
Single-payer doesn't have investors or shareholders as part of it.
The government pay the costs of treatment, not an insurance company.
I'll repeat what I said -
You have to get the notion of 'insurance' and the concepts behind it out of your thoughts.
No, it's not 'insurance' under another name either; it's a completely different type of animal.


It's essentially the same thing.

Why do insurance companies charge premiums? So insurance companies have the money to pay for the covered care.

Why do you have to pay NI? So the government has the money to pay for the covered care. Here's the neat thing... NI? It's "National Insurance," isn't it?

Imagine that....




Well yes, except that private insurance has a profit left over, the govt. does not. In fact, if the govt. even after collecting premiums doesn't have enough to cover claims, [it] goes to the taxpayer to cover it.

As a conservative, you should be outraged over that...I am. My rationale is that if the govt. can provide such insurance for various other private risk, it can do so for health care.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to DesideriScuri)
Profile   Post #: 189
RE: Cal SB 562 - Universal Health Care - 5/3/2017 6:07:03 AM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
Status: offline

quote:

ORIGINAL: freedomdwarf1

quote:

ORIGINAL: Musicmystery

Why do you think insurance managed by the government instead of a private company isn't insurance?

Because of the structure and the way it is run/organised.

When the US have a government managed thing, it still has a board of directors (on stupidly high salaries), it has investors, and the aim is to make a profit.
Not only that, people have to 'opt-in' to the scheme (or in the case of the ACA, fined if you don't).
It still has exclusions and restrictions, co-pay and deductibles.
And typical of insurance-based thinking, there are clauses that exclude coverage by other schemes.

A proper single-payer thing has none of those.
Everyone pays, regardless (as a percentage of income, not a fixed premium), and everyone (without exception) is automatically included.
On top of that, there are no exclusions, no co-pay, no deductibles, and everything is covered.
The concept of not paying for a private scheme if it is covered under single-payer doesn't arise because everything is covered and private schemes are not excluded - they run in parallel.


This is why those crazy schemes in the US are insurance-based and not a true single-payer scheme as applied elsewhere around the world.


Man you are way off here. There is no so-called board of directors at the FDIC or FCIC etc. or PBGC. These are govt. funded bureaucracies and without any profit but simply reserves to pay claims.

There is no mandate except that if you wish to join the federal banking system which any banker does and pay premiums to the FDIC and any banker would be a fool not to, to get govt. run, govt. funded insurance.

If I am a farmer, I'd be a fool not to eagerly pay the govt. premiums to cover any risk in my farming and some don't even need to do that if they were on direct subsidies.

Get the whole concept down freedomwarf, there are govt. insurance corporations (taxpayers) that provide single payer insurance that the private insurance industry wants no part in.

BTW with Medicare, there is a 'fixed' premium that comes right out of your check. Where do you get this stuff ? Bankers pay the FDIC so much per $100,000 in deposits. Go read up on these govt. corps.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to freedomdwarf1)
Profile   Post #: 190
RE: Cal SB 562 - Universal Health Care - 5/3/2017 6:11:40 AM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
Status: offline

quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


Completely wrong. Go read up on these govt. insurance corps. They all are in fact single payer, govt, run insurance corps. Anytime any fund covers any claims for payment...it is insurance and because you pay the govt. premiums, it is single payer. I just don't understand your thinking here.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to freedomdwarf1)
Profile   Post #: 191
RE: Cal SB 562 - Universal Health Care - 5/3/2017 8:27:15 AM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
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quote:

ORIGINAL: MrRodgers


quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


Completely wrong. Go read up on these govt. insurance corps. They all are in fact single payer, govt, run insurance corps. Anytime any fund covers any claims for payment...it is insurance and because you pay the govt. premiums, it is single payer. I just don't understand your thinking here.

Because you don't understand the fundamental differences between insurance-based thinking and single-payer.
And yes, I did have a look at the government run corps - they are insurance policies.

Let me dumb it down and try to explain some very simple differences in the concepts.
Insurance: You opt-in, pay a calculated fixed premium, get some sort of negotiated cover.
When you need to claim, that's what you do. You put your claim forward and they pay out to cover your losses.
Single-payer system: You don't opt-in, everyone is automatically included into the scheme.
Your 'premium' is a percentage of what you earn. Cover is 100% regardless of who you are or what you earn as long as you are a bonafide citizen. You never make a claim - you just use the service when you need it.

If you want some sort of analagy, you could compare a taxi with a greyhound bus service.
They are both transport to get you from A to B for a price.
But here's the difference....
A taxi is transport for you personally. Its service is taylored such that it takes you from where you hailed it to the place you designated. If there is a traffic jam or a detour, you pay for the wait or extra distance because the meter is still ticking. You only share a taxi by choice. A taxi doesn't usualy cruise around empty because it costs money (time/fuel etc) to do that so they wait for a fare.
On a greyhound bus, you catch it at designated stations/stops and it goes to a pre-determined destination along a pre-set route. You pay a price for the journey no matter how long it takes - the fare doesn't rise if you are stuck in a traffic jam or get sent on a detour. Also, you share that bus with many others, it's not dedicated transport just for you (and friends). The bus will leave at its designated time and go to its destination even if it was empty.

Lots of subtle but fundamental differences between the two.
And you, like many Americans, have proved you don't understand the differences between insurance and a single-payer system.
Like Desi, you are under the misconception that because it's paid for by the government, it's single-payer - it isn't.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to MrRodgers)
Profile   Post #: 192
RE: Cal SB 562 - Universal Health Care - 5/3/2017 8:54:47 AM   
WickedsDesire


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Just play they have the most expensive, greediest, most corrupt system in the world. It is a truly broken system. Oh and lob in a pretty picture for them



No need for anyone to add into the here and now http://www.collarchat.com/m_5028210/tm.htm - is this vote supposed to occur on thurs or friday?

< Message edited by WickedsDesire -- 5/3/2017 9:07:23 AM >

(in reply to freedomdwarf1)
Profile   Post #: 193
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:08:12 AM   
Edwird


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quote:

ORIGINAL: DesideriScuri
The US system sees all authorities existing within the individual


Every man a dictator!

quote:

The US Constitution was a compact between the People and the States


Every man a commie!

Ball of Confusion

(in reply to DesideriScuri)
Profile   Post #: 194
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:10:33 AM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
Status: offline
quote:

ORIGINAL: freedomdwarf1

quote:

ORIGINAL: Musicmystery

Why do you think insurance managed by the government instead of a private company isn't insurance?

Because of the structure and the way it is run/organised.

When the US have a government managed thing, it still has a board of directors (on stupidly high salaries), it has investors, and the aim is to make a profit.
Not only that, people have to 'opt-in' to the scheme (or in the case of the ACA, fined if you don't).
It still has exclusions and restrictions, co-pay and deductibles.
And typical of insurance-based thinking, there are clauses that exclude coverage by other schemes.

A proper single-payer thing has none of those.
Everyone pays, regardless (as a percentage of income, not a fixed premium), and everyone (without exception) is automatically included.
On top of that, there are no exclusions, no co-pay, no deductibles, and everything is covered.
The concept of not paying for a private scheme if it is covered under single-payer doesn't arise because everything is covered and private schemes are not excluded - they run in parallel.


This is why those crazy schemes in the US are insurance-based and not a true single-payer scheme as applied elsewhere around the world.


Same point. You haven't addressed my question at all, except to repeat why I'm asking it.

It seems that, to you, if a system makes money, it's insurance, while if it does the same thing, but operates for the good of the people insured, as a non-profit, it's not.

Are you familiar with the concept of a Mutual Insurance company? Or Self-Insurance?

It seems to me that the confusion here isn't insurance, but rather an arbitrary and confused notion of business, companies, and administration (in business or government).

* shrug *

At the end of the day, people pay premiums or taxes, show up and get health care.

Call it any fucking thing that pleases you.

(in reply to freedomdwarf1)
Profile   Post #: 195
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:12:34 AM   
WickedsDesire


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Look at the pretty picture. Its called a graph and it speaks volumes.

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Profile   Post #: 196
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:13:16 AM   
Musicmystery


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Go take your meds.

(in reply to WickedsDesire)
Profile   Post #: 197
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:21:49 AM   
WickedsDesire


Posts: 9362
Joined: 11/4/2015
Status: offline
So I may perceive the actual facts as they exist in reality as delusion, conspiracy, fake, fake news - fuk off.

But heh I am a reasonable nice loon, with a flock of three cats, and that ginger thieving bastard from two rows up.

Kindly explain that graph unto me and by all means take your time.

https://en.wikipedia.org/wiki/List_of_countries_by_total_health_expenditure_per_capita

< Message edited by WickedsDesire -- 5/3/2017 9:23:56 AM >

(in reply to Musicmystery)
Profile   Post #: 198
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:42:25 AM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
Status: offline

quote:

ORIGINAL: Musicmystery
Same point. You haven't addressed my question at all, except to repeat why I'm asking it.

It seems that, to you, if a system makes money, it's insurance, while if it does the same thing, but operates for the good of the people insured, as a non-profit, it's not.

Are you familiar with the concept of a Mutual Insurance company? Or Self-Insurance?

It seems to me that the confusion here isn't insurance, but rather an arbitrary and confused notion of business, companies, and administration (in business or government).

* shrug *

At the end of the day, people pay premiums or taxes, show up and get health care.

Call it any fucking thing that pleases you.

There's the fundamental differences between the two.
Yes, I'm familiar with Mutual Insurance Companies.
If they don't make enough to cover costs, they go bust and fold and people lose their investment.

See my post#192.
It's how it's organised and run that is the difference.
Whether they make a profit or not is irrelevant.

Insurance: opt-in, taylored policies, negotiated/fixed premiums, claim your losses/costs.
Single-payer: everyone is automatically opted in, 100% cover for everything (not taylored policies), payment via a tax as percentage of income, no claims as there are no costs incurred to reimburse.

Another example of organisational differences...
Let's say you earn $1,000 a month.
Your insurance is going to cost.... $300 a month maybe and has exclusions.
That's almost a third of your income.
Single-payer would be 10% - $100 a month with full cover and no exclusions.

If the insurance company are making big payouts, your premiums will rise or your condition will be excluded or special terms imposed.
Under single-payer, your premiums stay the same and no restrictions are applied.
If you change jobs and only earn $500 a month, your insurance stays at $300 a month.
Under single-payer, it'll drop to $50 a month.
If the insurance company goes bust, you have no health insurance.
The government doesn't go bust so single-payer cover is still there.

That's just some of the fundamental differences off the top of my head.
Single-payer systems are not insurance even if the end result appears to be the same.
Most Americans can't get their head around the different concepts so they think it's just another insurance thing because they know no different.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to Musicmystery)
Profile   Post #: 199
RE: Cal SB 562 - Universal Health Care - 5/3/2017 12:39:41 PM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
Status: offline
So they're essentially the same, but structured differently.

Gosh, that sounds familiar.


(in reply to freedomdwarf1)
Profile   Post #: 200
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