Health Insurance - A burden on business

I don't understand why we burden businesses with the task of providing health insurance.

My company, TriLibrium, is in the process of adding this employee benefit and we've probably spent a collective 20-40 hours of our staff time discussing our needs, creating an employee census, shopping for an agent/broker, supplying information, evaluating options, etc. etc. None of which relates directly to our business as accountants and business advisors.

I have no problem paying the money but wouldn't it be nice if this was simplified? A business tax on all employers in order to provide universal health insurance would level the playing field and eliminate their administrative burden. This administrative burden is a hidden cost of our insane, for-profit private health insurance system.

Like everyone, we all want comprehensive insurance. All of us need access to health care and worry about catastrophic problems that might not be covered due to coverage gaps or maximum coverage provisions.

From an economic standpoint, it makes so much sense to create a single, large insurance pool with everyone in so we can equally spread the risk, lower administrative costs and reduce the fear and anxiety we all have around health insurance.

We need universal health care. I believe the best system is Single Payer. We could solve all these problems by adopting Medicare for All!

Single Payer, not public option

What health care reform proposal is supported by a majority of doctors, an overwhelming number of nurses, has over 70 co-sponsors in the house but is off the table due to the corporate control of our economy and political system?

Single Payer Health Care.

The cost of health care is destroying businesses. In 2008 it cost a small business $12,700 to ensure a family of four. That is expected to rise by nearly $900 in 2009. Who can afford that? This is what the for-profit, private insurance system has delivered.

Add to that the administrative burdens to the employer, the out of pocket cost to employees plus the constant fear of being dropped, denied, or let go and other psychological cost as well and you have a system that is harming this country.

This must change and single payer is the solution. The so called "public option" being discussed by corporate supported Democrats doesn't go far enough to address the root problems in our health care system.

I believe the "public option" will fail to solve our problem and will actually be a major set back for those of us who simply want this problem solved.

Nick Skala, an expert and advocate for single payer recently was in Washington to speak to Democratic Progressive Caucus about single payer. Here is a story about his experience and a link to his video report.

The unfortunate problem is a federal government controlled by corporate interests and lobbyists. The industry spends far in excess of a $1 million per month and all the people making decisions about health care reform have received hundreds of thousands of dollars from the industry.

We need campaign finance reform as much as health care reform but that is another discussion for another day.

Corporate control of our system is one of the root causes of our collective predictments. Corporate media, corporate lobbysists, corporate agendas, corporate control. If you want to learn more about corporate domination, I recommend the movie "The Corporation" and/or When Corporations Rule the World by David Korten.

Single-Payer Health Care

We are over a year into this crisis and we have yet to see a single reform beyond massive government spending programs designed to restart the same system that created the mess.   Isn’t that akin to using a defibrillator on a 75-year old, 1,000lb, diabetic smoker?

While I’ve been advocating the elimination of Wall Street, the implementation of a Carbon Tax with a 100% dividend and the 32-hour work week, today I’ll weigh in on health care reform.

One fundamental change I support [and we don’t hear enough about] is the Single Payer Health Care system. 

Single-payer is the system that removes private insurance companies from the picture; the government pays all the bills, but health-care delivery remains private. People still get their choice of doctors and hospitals. Single-payer reduces administrative costs and eliminates expenses for-profit insurance companies add to health-care delivery. 

How nice it would be to never have to worry about health insurance again!

This would benefit everyone, including business.  Managing health care plans is an expensive proposition for business.   Beyond the high cost of coverage are the hidden costs of shopping for insurance, evaluating options, legal and tax compliance, HR overhead, employee benefit education and communication and other administrative costs.

Despite being closed out of the debate by corporate media, single-payer is developing critical mass.  H.R. 676 "Expanded and Improved Medicare for All," has 65 co-sponsors in Congress.  I myself won’t vote for a politician who doesn’t support universal health care.  Groups like Single Payer Action (I am a paying member) are growing and taking action.

I believe all of us suffer as a result of our for-profit health care system.  We need a system where everybody is in, and nobody is out.  Single-payer is the solution.  I hope you’ll take action (contact Congress, talk to people, get educated, tell your story, etc.)  right now, to help further single-payer.