Believe it or not, but you're already paying for other people's health coverage:
You're paying for senior's coverage and the poor through taxes that pay for medicare and medicaid.
If you have health insurance, you are paying for everyone in your insurance company's group of covered lives, and you are paying for a lot of people who don't have health insurance, too. Here's how that works:
People who don't have insurance either pay cash when they get sick or don't pay anything. Most of the time they are afraid to go to a doctor so they wait until they're really sick and they wind up in the emergency room. BUT because they don't have insurance and they can't afford to pay the bill, this winds up as bad debt on the hospital's books. To make up that loss. The hospital raises it's charges. In other words, hospitals build that cost right into what they charge insurance companies for treating people with insurance.
So guess what? You and I and everyone who has insurance is footing the bill for everyone who doesn't already. The only difference is that this way costs a lot more than if we could get them covered and in to see a doctor before they wind up in the Emergency room.
BUT government run health insurance has problems too. Politicians promise lots of benefits but never want to pay for what those benefits cost. That's why England, Canada and other systems have problems. You can buy a Rolls for a Yugo price. In health care there really are only three things you can manage:
- You can manage the access: limit who is allowed to get care. That's not very nice.
- You can pay doctors and hospitals less: that leads to fewer doctors and shortages of care, which we already are experiencing in parts of the US right now
- You can restrict which services are paid for. That's tough choice, but it the only way to keep costs down
Why people like Obama. Electibility. His race has nothing to do with it.
I'm not sure which way I'll vote, yet. But I grew up in the deep south, and I know that Clinton just can't win there, too much baggage. Obama might be able to. I think other people sense that, too.