Monday, June 15, 2009

Dear Sir or Ma'am,

How is the Obama administration (or anyone else for that matter) going to save the US taxpayer money by creating so-called "Universal Healthcare"? Considering the following facts:

The Myth of the 46 Million
First off, Did You Know?
That of the number of “uninsured” that is constantly discussed in the media of 46mln that
14mln of them are already covered under a government program but may have not signed up
----10mln of them make over $75k and thus can afford a private plan but chose not too
----22% of all uninsured are NOT Americans citizens at all; even higher in major cities;
----60% of the uninsured in San Francisco aren’t even Americans
----18.3mln or 40% of the uninsured are under 34 so they may have simply made their own cost/benefit analysis and determined the best course for them is to not buy health insurance.
To be clear, the statistic is not pulled out of thin air. It comes from an annual report by the Census Bureau, which most recently pegged the number of uninsured at 45.7 million for 2007. But the problem lies in the way the statistic is commonly cited and understood.
Just a quick look inside the Census Bureau data shows that 9.7 million of the uninsured are not citizens of the United States.

How many people actually spend the whole year without health insurance? It's difficult to say, and recent data is hard to come by. But in 2003, the Congressional Budget Office took a stab at answering the question, and looked at two studies from 1998 that conducted interviews multiple times over the course of the survey period. One study pegged the number of people who were uninsured for the entire year at 31 million, while another put it even lower, at 21 million. In either case, the number was significantly lower than it was in 1998's Current Population Survey, which found 43.9 million uninsured.
Another problem with citing the 46-million figure is that many of those who are identified as uninsured are actually eligible for existing government program but simply never bothered to enroll. In 2003, a BlueCross BlueShield Association study estimated that about 14 million of the uninsured were eligible for Medicaid and SCHIP. These people would be signed up for government insurance if they ever made it to the emergency room.
In addition, some of the 46 million could theoretically afford health coverage, but chose not to purchase any. In 2007, 17.6 million of the uninsured had annual incomes of more than $50,000 and 9.1 million earned more than $75,000.
The Census figures also show that 18.3 million of the uninsured were under 34. Some in this age group may have simply determined that they are young and healthy and thus can do without coverage.
When all of these factors are put together, the 2003 BlueCross BlueShield study determined that 8.2 million (18% of the often used 46mln) Americans are actually without coverage for the long haul, because they are too poor to purchase health care but earn too much to qualify for government assistance. Even being without insurance still doesn't mean they won't have access to care, because federal law forbids hospitals from denying treatment to patients who show up at the emergency room.
Did You Know?
Despite ever-increasing healthcare costs and widespread dissatisfaction with the U.S. healthcare system, a majority of Americans remain satisfied with what they pay for their own healthcare, the quality of the healthcare they receive, and their healthcare coverage. Gallup's annual Healthcare survey, conducted Nov. 11-14, finds 57% of Americans saying they are satisfied with the total cost they pay for their healthcare, while 39% are dissatisfied. These percentages have been quite stable in recent years, after a slight dip in reported satisfaction between 2001 (64%) and 2002 (58%).

1 comment:

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