Re: Study: 'Medicare for all' projected to cost $32.6 trillion
I don't see a bolded line. But I went back over the entire post and don't see where I misinterpreted what you were saying. You offered corner cases and workarounds not evident to most consumers. For instance, yes, a person could refrain from getting an ACA approved plan and just pay the fine; but, IMHO most people follow the law.
*Clipped for 5000 character limit*
My apologies, I forgot to go back and put the line in bold, but it was the very beginning line about "ignoring" the law. I discussed in my post exactly how you interpreted my words incorrectly.
Also, I didn't offer "work arounds". I explained in plain english what the law was. You pay a tax for not getting health insurance. If that encourages some people to buy insurance just to "comply" then so be it. It's very, very likely a good thing for them.
I agree that there wasn't enough done in Obamacare to lower actual costs. But that's a reality of this political environment and a reality of the limitations of our government. Any reductions in price would by in large have to come out of one of the following areas:
1. Medical staff pay
2. Billing/insurance staff pay
3. Medical equipment cost
4. Drug cost
5. Stop procedures that are deemed "un-required" by some agency somewhere.
6. Stop drug prescriptions that are deemed "un-required" by some agency somewhere.
and probably a few others I forget.
Any reduction to the above in even the slightest manner would have resulted in chaos politically. If you somehow try to crack down on doctors performing expensive scans because someone has a stiff neck then that's a death panel or some other non-sense. Not to mention it would require a vast amount of government bureaucracy to even try to hinder procedures like that, which would likely cost more than any savings that they could scrounge up. If you reduce drug prices, people bitch that you are stopping "innovation". If you reduce medical staff pay, then you are punishing doctors who put in a long education for a good paying job. There is no winning scenario.
The common conservative critique is that medical bills would be lowered if it were a completely capitalist enterprise. Get rid of insurance, get rid of subsidies, force people to whip out cold hard cash every time they get any procedure, visit any doctor etc and we would have lower costs because people would require it due to the more transparent costs. The problem with this is that it leaves anyone who can't afford medical care to be sick and helpless. Along with that, the throngs of money that we'd all save on premiums would be wasted by most people so that when a medical emergency actually occurred they wouldn't have the money to pay for it. It would be chaos and couldn't last very long.
The more innovative and impressive our medical care becomes the more expensive and convoluted it will be. It's essentially a tautology to an extent. We can't go back to the days where each city had a doctor or two and everyone paid the doctor for each visit. That doctor provided the bare essentials. If we expect a society where doctors are extremely well trained and very well paid, everything requires a specialist, hospitals are state of the art and aren't busy, doctors can order any procedure they want out of an over abundance of caution etc. then we will have to pay out the ass for it. Period, end of story. Since that is so extremely hard to put a dent in, Obamacare attempted to fix how we pay for it. Rather than letting people get sick, going to the ER and skipping on the bill, now those people get help to pay for insurance, get preventative care that hopefully stops them from being as sick or having very expensive problems that could have been sorted out cheaply if they'd seen a doctor regularly etc.
The most impressive thing about Obamacare is hat the argument has been going on this long and the entire time, while it was being passed and currently, I've only heard people poke holes in it. I've yet to see anyone come up with a better system that would provide better care, reduce costs etc.