Now that the presidential primaries are near (at least by campaigning standards), one issue that frequently arises is health care. The media presents touching stories of average people angry or sad because they and their families do not have health insurance. The solutions range from universal insurance to more capitalistic plans like requiring families to buy basic health insurance. I think that most of these solutions miss the point about the high cost of health care and insurance. Health care is a commodity like anything else and subject to the laws of the market. If demand for health care is extremely high, then the cost is going to go up. If the insurance companies pay out a ton of cash to cover those who buy their policies, the premiums will rise. The current solutions all focus on getting more people insured rather than reducing demand in health care, which is kind of like saying the government should pay to fill up people’s tanks since oil prices are so high. I’ve been uninsured and had trouble with less insurance than I needed. So, I understand. I also recognize that short term solutions will require that we find ways to insure the uninsured. However, ultimately, health care costs and insurance premiums can only be reduced by reducing how much we use the health care system. Here are a few ways I want to discuss (based loosely on this article ):
1) Prevention- many diseases are completely preventable through adjustment in diet and activity; the odds of getting others can be greatly reduced in the same way. If Americans made healthy food choices, kept near their healthy weights (I’m talking health here, not looks), and followed even minimal fitness guidelines, health care costs and insurance premiums would probably be greatly reduced. A recent estimate predicts that 75% of Americans will be overweight by 2015. That doesn’t bode well for health care costs.
2) Reduce risky behaviors- Riding motorcycles without helmets. Not wearing seat belts. Smoking. Doing illegal drugs. All of these increase the chance of serious medical problems and even death and they raise the cost of health care for everyone. I’m fairly libertarian, so I’m not necessarily arguing for banning all these activities. However, individuals engaging in these activities should definitely pay more for their insurance premiums. I feel the same way about obese people. Even though it would affect people I love, they must bear more of the cost. If people have to pay more, then they would be more likely to stop the risky and unhealthy behavior. Money talks.
3) Self-Management- Americans view health insurance as free medical care, not something to be used as “insurance” when we get sick. If our otherwise healthy kids have a sniffle, it’s off to the doctor. If we are sore from working out, it’s time to visit doc. That small patch of poison ivy? Better not risk it. Call the doctor. Doctors are great, but they are not needed for everything. For example, there still is no cure for the common cold or the flu. For cases other than kids, elderly, and frail adults, all doctors can do is tell you that you need to rest and drink liquids. If the insurance company has to pay for a doctor’s visit to hear that and to pay for the antibiotics he wrongly prescribes to get you off his back, premiums will eventually go up. If we can use OTC medications, vitamin supplements, diet and exercise to treat an ailment, we should be obligated (morally) to do so.
These are just a few of my thoughts on health care. I now wait for the politician who’s willing to say to the people “you’re too damn fat, too damn immature, and too damn quick to visit the doctor. If you want more people insured and lower premiums, take some personal responsibility!” Ok, that last line was somewhat tongue in cheek. Still, I’d like our leaders to
address the underlying issues of our country’s crisis (even if not full blown yet) in health care.