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Additional Details
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auntfran8 | When did the U.S. health insurance "crisis" start and why wasn't something done about it years ago? |
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Bethany M
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First, I wouldn't consider it a "crisis" because it doesn't affect everyone the same. However, you're seeing health insurance premiums steadily increasing because the overall health of our nation is steadily declining. If you look at the average weight of an American 30 years ago and compare it to 2008, you'll see very quickly why health care costs are going up.
Everyone wants to blame the health insurance industry for all the increase in premiums because people never want to take a good look in the mirror. We're doing it to ourselves. The insurance companies are in the business to make a profit, just like every other business owner in the nation. Yet, for some reason, people aren't raising hell about grocery stores raising produce prices to keep pace with the increased cost of shipping.
Insurance companies base their premiums off statistics. They more they have to pay in claims, the more your premiums will increase every year. The people you need to be getting onto are the people that go to the doctor every single time they have a stuffy nose or a cough just because they have insurance. It might not seem like much, but a few million unnecessary doctor visits at $100 a pop will make you think.
To answer your original question, something wasn't done about this years ago because politicians have just realized that this health insurance thing can really get someone a lot of votes. The more they make you feel like they care about you and your situation and are going to do something to "change" it, the more likely you are to cast your vote for them and put them into office. It's all a game. We're just the pawns. |
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fth106
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It started many years ago. Remember Hillary Clinton trying to fix the system during the early years of Bill's administration? That is a good example of how difficult it is to fix something that is so complex.
When Hillary started campaigning for her fix, the then Insurance Commissioner in Washington State, Deborah Sinn, choose to implement it hook, line and sinker. The result was that almost every carrier in Washington pulled out of the market. That was because the new law stated that no one could be denied coverage based on their health condition and that the pre-existing condition clause could only be for 90 days. Cancer and AIDS patients lined up to buy coverage. People moved into Washington just to get the health insurance from the few companies that stayed and tried to make it work. Of course, the result was exponential increases in premiums. Eventually the commissioner was changed and the laws were corrected.
That just demonstrates how hard it is to come up with a fix that will really work. People have been advocating change for as long as I can remember. The cost to consumers is too great. It will cost in premium or it will cost in taxes. Either way, we pay. |
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MSAD
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Remember the first Clinton presidency - Hillary headed up a commission that recommended universal health care then.
It's not new - and it is something the Clinton's have tried to address before. |
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mbrcatz
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Three presidential elections ago.
See, the "problem" isn't as big as politicians want you to think. 85% of Americans HAVE insurance. Half the rest don't WANT it.
For politics, sometimes they just need to CREATE issues.
And the politicians really don't know how to solve it, and frankly, the "politician" solution would be worse than the problem we have now. Unless, of course, you LIKE paying 75% of your income in taxes. |
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The Riddler
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Nothing was done years ago for the same reason social security and many other problems weren't fixed years ago. These are pet issues the politicians can use each election to garner votes-if they fixed all our problems, what would they scare us with? |
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azwintube
 |
hello,
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i just come accross this blog which may help you
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http://the-health-insurance-plans.blogspot.com |
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Zarnev
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"Crisis" is in the eyes of the beholder. As already mentioned, 85% of LEGAL Americans have insurance and many of the rest don't think they need it.
We had a "crisis" back in the '60. Senator Kennedy authored the HMO act of 1973, which provided government subsidies to the HMOs along with mandates that employers offer HMOs to their employees. Of course, in 2001 he became one of the biggest opponents of HMOs, without mentioning the bill he authored and now touting nationalized health care. |
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DeeLC
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because americans are greedy and they are selfish. it started long ago when business owners found that they could save money if they didnt buy health insurance for their employees. then when the crisis started to get bigger people didnt care except when it concerned them. so it is because of greedy selfish people. |
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It's That Guy
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It's been growing slowly for years. President Nixon, believe it or not, was planning to institute some kind of socialized medicine back in the early 70s, but was too busy with Watergate and then, of course, he had to resign.
The real problem is that our priorities are mixed up. The top priority of our health care system is profits for health insurance companies. In other developed countries, the top priority of health care is HEALTH.
The insurance companies now own and operate all the hospitals and clinics and HMOs, and the doctors work for them. They are so rich that they make huge contributions to both political parties, and money is so important in politics that no politician of either party is going to do anything to affect their profits, or the 9-figure salaries of their top execs. Plans put forth by Bill and Hillary Clinton, and even Obama, all feature the govt. buying insurance from the existing companies at their going rate--in other words they only subsidize and strengthen the insurance companies.
What we really need is for the govt. to handle the insurance, so everyone is in the same pool, and insurance companies can't 'cherry pick' only the healthy people to insure. This is how they do it in Canada. It's not -socialized medicine-, all the doctors and hospitals are private and competitive, the govt. just handles the insurance. This is how Medicare works, and if we simply expanded Medicare to cover everyone in the country we would save hundreds of billions of dollars a year.
BTW the cost we pay for health insurance in the US has risen 70% just since Bush has been in office. And it was considered a crisis before that! |
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