Question:
Why do we have 40,000,000 Americans without health insurance?
anonymous
2008-05-21 13:02:16 UTC
I would like to hear especially from those opposing universal healthcare.

Why do we have 40 million uninsured and more millions underinsured?

Clear arguments...don't storm in here and yell at me...please give me a reasonable argument as to WHY we have such a high number of Americans uninsured. Do you think it's normal?
38 answers:
Realgroovy
2008-05-21 13:13:41 UTC
For a lot of reasons: first dems voted down a bill that would have allowed small business to band together to get large company discounts for health insurance. Why you ask, because the dems in this country don't want people to be able to get there own health insurance because then those people would not have to count on the dems for it.



That bill could have insured over $20,000,000 Americans thru there employers.

Universal health care would bankrupt this country and the Dems know this, it will never happen, universal health care is a political football. Go back and look at the debate of Jimmy Carter and Gerald Ford in 1976. Carter is talking about how he would give us universal health care and every dem since then has said the same thing. It will never happen and they know this.
Cause For Alarm
2008-05-21 13:17:57 UTC
The illegal immigrants and their anchor babies are part of the 40 million. Some illegals have insurance, but most don't. The majority of the other 20 million are young adults who are in college or between jobs. The crisis is in the rapidly aging population and the pressure it will apply to Medicare. The federal government is big enough and screwed up enough. Perhaps more affordable COBRA coverage for those between jobs would be nice, but other than that lets just reform Medicare.
Veteran Voter
2008-05-21 13:40:05 UTC
I am against universal health care. The reason we have so many uninsured is due to a great number of things.



1. Insurance is expensive.

2. Insurance companies deny coverage regularly.

3. Some would rather spend that $2317.00(national average) per year on non-essentials. Every person that I know who does not have coverage smokes and/drinks, eats out, goes to movies and concerts, wears desiner clothing and/or shoes, etc.



So you see, both the insurance industry and the consumer are to blame.
B.Kevorkian
2008-05-21 13:16:24 UTC
What I'd really like to know is why we have 260 million insured. That's a remarkable degree of market penetration for an industry that basically sells fear. Insurance, for most people is a bad deal. You pay in more in premiums than you ever collect in benefits. There are only two factors that make the business viable. One, people buy insurance they don't need out of fear, while insurers sell policies based upon precise mathematical models that impartially assess risk (that is, they work much like casinos, using the law of large numbers to guarantee themselves proffit). Two, insurerers invest the huge piles of money they hold in reserve to pay off claims, making plenty of profit from that, as well as from writing policies.



It's a great deal for the insurerers, sometimes a good deal for those who file claims that are actually honored, and a bad deal for most.



In other words, it's a scam. A confidence game. Racketteering. Insurance shouldn't be required for all Americans - it should be illegal.
anonymous
2008-05-21 13:15:24 UTC
Because they can't afford it, or if they can, they choose to spend their money on other things.



But the high cost of health insurance is due to the state governments legislating mandatory minimum coverages, including mental health, fertility, chiropracty, substance abuse treatment, etc, that end up jacking up the costs beyond many peoples' ability to pay. And since the government doesn't give any tax credit for buying your own insurance (like they do to businesses), then those people are left without the ability to afford it. And states that jack up the costs don't allow competition from other states that don't have the same gold-plated coverages.



The government, in essence, both state and federal, has created the health insurance cost crisis.



Let's get the government out of the health insurance business and find a free-market solution. Let there be choice and competition for health insurance. Let government give tax credit for buying your own health insurance. Let government allow people to have personal tax-free health care spending accounts.



You might be surprised as how much the cost and number of uninsured decrease.



You want Big Brother. I don't.
anonymous
2008-05-21 13:14:14 UTC
1st that 40 million number is a loaded number. It includes people who had a job with coverage, lost the job, and got another job with coverage in the same year. They could have been without health insurance for a month out of the year, but get counted as uninsured for the whole year.



2nd, as someone else mentioned, that number includes people who think they don't need it. There are a ton of 25 year olds who are willing to pay $600 a month for a BMW lease but not $300 a month for health insurance.



Look at it in reverse, 260million American's have health insurance, that's 87% of the population. Now compare the cancer survival rates of countries with universal care and the US. Follow the link:

http://www.telegraph.co.uk/news/uknews/1560849/UK-cancer-survival-rate-lowest-in-Europe.html



A Scottish (country with Universal Health Care) male has a 40.2% cancer survival rate.

If that same male lived in the US he would have a 66.3% survival rate.



Why do other countries treat their sick so poorly?
Amart
2008-05-21 13:11:30 UTC
I dont have it because it is too expensive, I work at a bank and they want $500 monthly for full coverage... Thats a lot of money considering I only make about $1200 and have to pay rent and bills... so I go without it hoping nothing happens, and knowing if something does happen I'll have to venture towards mexico, because its cheaper to see a doctor out there, a dentist, and optomitrist, and its basically the SAME type of care!!!



You see, a bottle of Amoxacillin (Anti-biotic) when I get sick runs about $60 here in the states, vs. the $20 I'd spend in Mexico... Tragic, really when you think about it, because we're supposed to be so advanced... and all that jarggin... As an American, I shouldn't have to rely on the help of Mexico when I get sick, I should have MY country behind me helping me to get better...



Jedi - The problem with that is that almost NO companies have decent plans, I work for a MAJOR bank and they want $500 a month Vs. the $1200 I make per month, I can only imagine what someone at a Burger joint or in the service industry would have to pay... It's not about strong or weak, its about affordability... there is a MAJOR problem when you have AMERICANS flocking to Mexico, Canada, and Cuba for medical aid that OUR OWN country should be helping up with...
Aegis of Freedom
2008-05-21 13:19:43 UTC
What does it matter?

40 million don't have health insurance. So what?

Did 40 million get refused health care? Did 40 million die in the streets? Nope.



The fact is, nobody is refused treatment, whether they have insurance or not. Anybody can walk into any emergency room and get treated. Anybody can walk into an immediate care clinic and get treated for just about nothing (less than $50).



So again I ask you: so what if 40 million don't have insurance? They still get treatment.
wonders
2008-05-21 13:18:06 UTC
People are hard-pressed to pay for the necessities of life. They may have to choose between food, gasoline, medical issues, clothing their children and find that little is left after these needs are met.



I'm not sure that too many have to do without medical care because of having no health insurance. We have emergency rooms and doctors who will give part of their time to those who can't pay. Many free clinics are springing up and there is no charge for medical or dental care.



We do have illegal immigration and people just out of school who rarely have health insurance. Our young are infallible, or so they think.



Insurance has gotten too costly for many to pay for it.



Insurance companies rule!
Michael S
2008-05-21 13:09:06 UTC
Many are young, healthy (and indestructable) and don't need it, so they don't want to pay for it.



Many are in-between jobs, skating on COBRA. I've done this more than once and so have many friends.



Many do not have plans at work and "cannot afford" private insurance. I sympathize, because that stuff is expensive. But if you have a family, you buy that before you spring for the car, the vacation, or the TV set.



The real question is why is health care so expensive? See McCain for those solutions.
anonymous
2008-05-21 13:10:09 UTC
Because wealthy business owners need the extra money for their huge estates and fast cars.Because AMA is very strong and will resist any socialization options.Most lawyers don't care and neither do all insurance companies because without all that paper work they'd be out of business.Almost anybody higher up doesn't want to deal with this issue,after all,they're are already insured.By the way,I'm not for giving free health care to illegals-they already have a good system in their own country anyway.
A.R.
2008-05-21 13:11:02 UTC
As long as health care is handled as a commodity which generates a profit(like sugar or oil or frozen orange juice concentrate), it will be too expensive for a large portion of the population and/or employers. Many people who do have a health plan have it provided by their employers and could not afford it on their own. If insurance companies and their shareholders could be eliminated as the "middleman" in the equation, perhaps everyone could afford to see a doctor. Today, catastrophic illness/injury accounts for about half of all personal bankruptcies.
Johnny
2008-05-21 13:28:41 UTC
Unbeleivable answer so far.



The present health insurance system has been in place forever. You Lib's can't blame GWB for this.



How many of those 40 million have been denied medical care?



How many would rather have a nice car than pay for health insurance?
smellyfoot ™
2008-05-21 13:08:06 UTC
I don't have health insurance because I don't want it. I'm only 25, and I don't think it's worth the 125 bucks a month, when I only go to the doctor or dentist 3 times a year, and spend a whopping 300 bucks. I'm getting married next year, and the man gets great insurance through work....so I'll just wait.
kill_yr_television
2008-05-21 13:12:19 UTC
Here is a true story. A lady I worked with had her yearly mammogram (which health insurance pays all but $25 for) and was found to have several lumps in her breast. The doctor advised her to have biopsies and make sure the lumps weren't cancer. She did some research and found that even with insurance, her portion of the bill for the biopsies would be more than she can afford. Six months later and she is still just living the lumps in her breast. She says "Why bother with the biopsy? Even if I DO have cancer I can't afford to do anything about it!" And she plans on cancelling her health insurance next enrollment period, since it doesn't do her any good when she needs it.



This is a good response to those blockheads who insist that "no one can be refused health care in the ER." You try going to the ER and asking for a free diagnostic test! Sure, they will give her free treatment if the condition becomes acute and life threatening. But by then she is going to die anyways, so why bother?
Pfo
2008-05-21 13:12:40 UTC
You should ask the 40 million uninsured, not the people that have insurance. In most cases those people can't afford it.
anonymous
2008-05-21 13:12:37 UTC
Because our health care system is broken, that is why, and until we can fix it those numbers are going to continue to grow.

When people lose their jobs they lose any health insurance they had, if they had any to begin with, unemployed people can not afford the COBRA payments required to continue health insurance. If a person had been covered and had a non insurable medical condition while covered, guess what....NO INSURANCE company will provide insurance.

Single payer insurance will be a reality in spite of the uninformed population sooner than you, or they think. It is economically unfeasible to continue down this road, even Big Business knows it. They are the ones that will educate the politicians, not you and I.
anonymous
2008-05-21 13:08:09 UTC
Health Insurance can be very expensive, and honestly, most people just cant afford it.

I live in a Country where we have Universal Health Care, and I am ALL for it. But I do realize that there are alot of cons that come along with it. It's still worth it in the long-run though. If I get sick and I need health care, I deserve it just as much as anybody else. It shouldn't matter that I make less than someone else, and can't afford my own personal plan. I'm still human and have the same rights.

But without Universal Health Care, it's very expensive. I hope that answers your question....
anonymous
2008-05-21 13:09:28 UTC
HA! well i am in favor of universal healthcare so you don't want to hear from me BUT we don't have insurance for our son because no company will cover him until he is 6 weeks old! and they won't give my fiance insurance because *he* is expecting a child. and we CAN afford the premiums, they just turn us down! how can they penalize him when it is my body and my decision and all that crap until the baby is born!



edit- all these people who say they don't need it are obviously naive...wait until you have some sort of accident with 100s of thousands of dollars of medical bills....this is what happened to my fiance and if we don't win the lawsuit we are in (which we probably will) we will likely never recover! everyone needs it!
Tim
2008-05-21 13:32:35 UTC
If I had to guess, I would say "personal choice". These people made the decision not to have the expense of health insurance. Just as some people do not have life insurance or car insurance. But if you are looking for an argument against nationalized healthcare, here are my thoughts:



It is always easier to get votes when you tell people that their problems are not their fault. You get even more votes by telling people that you will make sure they do not have to take responsibility for themselves and their own well being.



Healthcare is one such issue. It takes personal discipline and responsibility to eat right, exercise, stop unhealthy habits like smoking, and get regular check ups. Only the last one really costs you anything at all and even then the cost is minimal. Yet these are the most important things you can do to secure a healthy life. No amount of government control, short of mustering every citizen outside for morning exercises on penalty of law, will make this happen. You have to take responsibility for you.



There is nothing wrong with healthcare per se. In fact, we have some of the best healthcare in the world here in the US. You can walk into any emergency room in the country and get treated. And if you cannot pay for it, the hospital still cannot refuse you care and they eat the expense. That is why so many hospitals, especially here in Southern California, are going bankrupt. The problem is the cost of delivering this care. There are several factors that drive this and frankly, I do not see how nationalizing healthcare will have a serious impact on it.



Nationalizing healthcare would dramatically increase government costs. Not just in the actual cost of service, but also in the national bureaucracy needed to maintain the federal program. You are talking about hundreds of billions of additional spending. Free healthcare is, as you would expect, not really “free”. Also, since it would be so widely available, it would be used so much that the system, without the financial limitation on personal behavior, would be quickly overwhelmed. This is what causes rationing of services and delays. There are only so many hours in a day and so many doctors to see patients. One of the major complaints in countries that have a nationalized healthcare system is rationing; having to wait months for knee replacements and that sort of thing.



There are things that can be done to reduce cost, and thus make healthcare more available to the public without the burden of a government bureaucracy. For example, limiting malpractice lawsuits to actual damages is one way. Punishments for gross malpractice should not go to making plaintiffs, and moreso the plaintiffs attorney, independently wealthy. This drives up the cost of insurance to the point that many doctors are simply closing their practices. By limiting lawsuits, you limit the cost of the service, which in turn allows the service to be provided as a lower cost to the consumer.



Another option, reduce drug costs by changing patient laws. Currently, a drug company will spend billions of dollars developing a drug. Then they have only about 7 years to recoup that cost before the drug loses its protection and generic makers, who do not have a high research cost to recoup, can make it at a fraction of the cost of the name brand. But, if we were to expand the patient protection, require a small royalty for the researching company, or a combination of the two, the financial pressure is eased. With more time to recoup costs, drug companies do not have to charge as high a price for their products.



A third option that can be done is to focus on the excessive costs of training and equipping a medical professional. Currently, a doctor takes out a gargantuan amount of debt in order to go through medical school. They have to pay this debt back and it takes years, even at their pay rates. Same thing with nurses and many technicians. And the costs of some of the equipment, ultrasounds, MRIs, etc, is astronomical. But, if we make changes in how we train and equip medical professionals, we can lower this burden. I do not have any particular proposals that really get my heart racing, but a creative approach like apprenticeships, programs to start students at lower level technician jobs and working up to a medical doctor, a federal teaching school modeled after Bethesda Naval Hospital or Walter Reed Army Hospital but for civilians, business tax credits for the manufacture or purchase of diagnostic equipment, or even direct government support for medical research tied to providing care to the public are all places to start. There is a lot that can be done that does not require the government taking over an industry.



In short, I think the benefits of a nationalized healthcare system, with its accompanying government bureaucracy, are more than outweighed by the negative impacts to patient care and cost. I think that there are plenty of other things that can and should be done to lower costs and improve service that can and should be done. These proposals, like the three I laid out above, I think can reduce costs to consumers, thus making it more available, while at the same time insuring reasonable economic success for medical practitioners, drug manufacturers, and equipment makers. There is a win-win scenario out there, if we are willing to make patient, thoughtful steps and focus on the problem (high cost of service) as opposed to symptoms (people not seeking the medical care they need).
duster360
2008-05-21 13:07:34 UTC
You want it, but your kids, kids will say "what the PUck were they thinking!"



We will have a president running in the future saying" I will put an end to the universal health care mess that has the American people without quality health care and let free enterprise run it!"



Taxes will be through the roof, companies will be out of business, unemployment will be 50%. You will have health care but no food. What do you want?



Looking forward to the future?
Been here before
2008-05-21 13:48:47 UTC
I live in Australia, but my understanding of the US system is, you can only get health insurance through your employer's scheme.

This automatically leaves anyone unemployed without health insurance (with the exception of some basic cover provided by Medicaid etc for some people on welfare). Even some working people have no insurance as it is very expensive - like maybe up to 60% of their wage, if they are in a low-paid job. Also if the wage earner becomes too sick to work, they LOSE their insurance at the very time they need it most.



In Australia we have Medicare, a Government run health insurance that automatically covers everyone for low-cost visits to doctors and for hospital treatment. Doctors may charge more than the schedule fee, so the patient has to make a co-payment, or many doctors charge the patient nothing and bulk bill lthe Government...for this they get a lower rate but they save some on less administration. All pensioners and people on welfare can get their services bulk billed so it costs them nothing.

This scheme is funded by a 1.5% tax levy on every taxpayer, plus an extra levy on those earning over a cerain amount (just raised to $100,000) IF they have no private insurance, to encourage them to get it. Private insurance covers many items the public one does not, eg spectacles and dental work, physiotherapy etc. and pays the additional fees involved in going to private hospitals rather than the public (public waiting times are longer, especially for elective surgery). Private insurance starts around $1000 a year up to $5000 depending on level of cover. Lower income people are not penalised with the extra levy because it is known they might not be able to afford this.

There is also a Pharmaceutical Benefits Scheme, whereby prescription medicines are subsidised by the Government. The $60 amoxicillin mentioned costs $24 here on this scheme, and only $5 for pensioners. ...same price for all medicines.



Those of you answerers who reckon universal care would lead to huge queues......what you are saying is you like to get in without waiting, at the cost of some other people not getting ANY care at all??? There are no huge queues here in any ER, there are medical centres you can walk in and wait not longer than half an hour, and urgent surgery can be had as soon as you need it....important but not life threatening you might need to wait a few months, but that is better than half the population getting their op. this week and the other half never.

I understand many insurers in the US demand high co-payments on top of the high premiums they charge. I saw on a news broadcast the other day HALF of personal BANKRUPTCIES in the US are caused by MEDICAL BILLS.



How can a country call itself rich and free when millions have to go bankrupt to get medical care and millions can't get it at all? All the great advances in treatments and cures are meaningless when millions cannot afford a simple antibiotic...or a proper diagnosis of whether they need the antibiotic or have something potentially fatal.

Universal care can be funded only at Government level, as private insurers are in it to make money. They are a powerful lobby who oppose universal care because it will cut into their profits...providing care for the sick is further down their list of priorities.

Here they are forced to compete, both on price and on services offered, because people CAN choose not to go to any of them, without risking their lives. The extra levy on better off people is about the same as private insurance would cost them, so it is worth it for them to get this, for the additional benefits they can get, but they can still go to a bulkbilling doctor or a public hospital if they wish.

This has not sent the country broke, not the insurers. It just means we don't have people dying or being crippled by not being able to see a doctor when they are sick. The saving to the economy is more than the cost.



>>>>

Harry K....re the cancer survival rates.....the US figure of 61% of course only counts those who were DIAGNOSED with cancer. How many uninsured suffer and die from it never diagnosed? or diagnosed but not treated, like one of the other answers says? in Australia a person with ZERO income can have expensive surgery, like heart-lung transplant, if they need it, and EVERYONE can get the same quality of care if they have cancer.
alexg114
2008-05-21 13:13:08 UTC
well health insurance costs money, some people don't have the money. some people have the money yet choose to spend it on other things... some people, like said above choose not to have health insurance.....



Insurance is available for everyone.... not everyone wants to choose it....



we all have to make sacrafices for things we deem important..



I pay $100 for insurance a month, would i like to use that to pay down debt, yes.. would I like to use that for more spending money... of course...



I don't even go to the doctor.. and I pay for it.. but that is my choice...



Thats the best part of living in the US we can all make that choice...



I oppose universal health care because my choice will be gone... will they do universal auto insurance? what about universal homeowners? universal rental insurance? how about universal travel insurance?
anonymous
2008-05-21 13:06:46 UTC
Two reasons.



One: They cannot afford the cost of insurance at rates like 350 to 900 a month for a family.



Two: They are young, single and think they don't need it.
anonymous
2008-05-21 13:09:48 UTC
Because I lost my corporate job and now with my new crappy job If I just insure myself (not even the whole family) it would cost 214.00 a paycheck and right now I cannot afford that
Jedi
2008-05-21 13:11:50 UTC
When you say without health insurance you mean without free health care. What insurance company is going to insure the populace, it would be a losing deal for their part. What you and other people want is free health care for all. How in the heck are we going to afford that. Get a job and pay for your own health care.After all, this comes from the same people who believe in evolution. Lets take a page from Darwin and say "Let the strong survive".
anonymous
2008-05-21 13:09:10 UTC
It's expensive...and most people live hand to mouth barely getting by on what they make.



Have you ever been to the DMV? How would you like to walk into your local emergency room and have to take a number? Because that's what it'd be like if we had universal healthcare.
hush-hush
2008-05-21 13:08:40 UTC
Because they can't afford it, and their employers don't provide it.

Besides, most emergency rooms are not allowed to turn people away so health care is free for them.
Frank
2008-05-21 13:13:39 UTC
Our health care system is set up for profit, rather than non-profit.
STEPH W (Let's do this thing
2008-05-21 13:07:17 UTC
because believe it or not..the majority of the us population are middle class, upper middle class and lower class and they can't afford health care. It cost too much.
anonymous
2008-05-21 13:13:32 UTC
The Republican way is " I don't want to pay for anyone else, I have mine". We are in this together, not only them. All of us are Americans and patriots
anonymous
2008-05-21 13:08:56 UTC
Its because you don't live in Canada where its free and you Americans say how great your military is. We have a real crappy military, but so what. We are more concerned about helping people instead of trying to destroy them. There would have been a lot of wars lost without Canadians helping Americans.
Jay L
2008-05-21 13:05:57 UTC
well, some of those choose not to have insurance.



We have about 20 million illegal aliens in thsi country that are not eligible for most plans.
mblastguy
2008-05-21 13:05:27 UTC
Because most of them cannot afford the premiums. Simple as that.
Corruptfile34
2008-05-21 13:07:48 UTC
most dont want it. They would rather spend that money on other items.
romack44
2008-05-21 13:08:07 UTC
Maybe most of them don't want it.
Republicans crappin their pants
2008-05-21 13:08:39 UTC
Republican greed and insensitivity.
spin
2008-05-21 13:07:32 UTC
i dont know ask the bush administration


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