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Growing Unaffordability of Health Care: Incremental vs. Real Health Care Re...
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Increased Costs Decreased Access Variable Quality Increased Fragmentation Increased Administrative Burden Technological Imperative Medicolegal Liability System Out of Control. Major Problems of Health Care System . DRIVERS OF HEALTH CARE COSTS . 1.Technological advances2. Aging of population3.Increase in chronic disease4.Inefficiency and redundancy of private insurers5.Profiteering by investor-owned companies, facilities and providers6.Consumer demand7.Defensive medicine. 
Growing Unaffordability of Health Care: Incremental vs. Real...
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1. Growing Unaffordability of Health Care: Incremental vs. Real Health Care Reform John P. Geyman, MD
Professor Emeritus- Family Medicine
University of Washington, Seattle
3. DRIVERS OF HEALTH CARE COSTS 1.Technological advances
2. Aging of population
3.Increase in chronic disease
4.Inefficiency and redundancy of private insurers
5.Profiteering by investor-owned companies, facilities and providers
6.Consumer demand
7.Defensive medicine
6. GROWING UNAFFORDABILITY OF HEALTH CARE • “Medical divide” at about $50,000 annual income
• Median household debt over $100,000
• Median family income $41,000 a year
• Health insurance premiums to consume one-third of average household income by 2010
9. UNDERINSURANCE A GROWING PROBLEM Average deductible of CDHC/HDHI plans $4,000 a year
Blue Cross PPO plan in Massachusetts up to $12,000 deductible
Annual caps of limited benefit plans as low as $10,000 (Aetna, Cigna)
Profitable industry with little value of coverage
10. PRIVATE HEALTH INSURANCE INDUSTRY IN U.S. 1,300 companies fragment risk pools
Medical underwriting, favorable risk selection
$300 billion a year industry
Minimal regulation, mostly at state level
Average of 80% medical-loss ratios
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Growing Unaffordability of Health Care: Incremental vs. Real Health Care Reform - Increased Costs Decreased Access Variable Quality Increased Fragmentation Increased Administrative Burden Technological Imperative Medicolegal Liability System Out of Control. Major Problems of Health Care System . DRIVERS OF HEALTH CARE COSTS . 1.Technological advances2. Aging of population3.Increase in chronic disease4.Inefficiency and redundancy of private insurers5.Profiteering by investor-owned companies, facilities and providers6.Consumer demand7.Defensive medicine.
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Health Care Reform In Theory and In Reality A firsthand look at the impact of MA Health Reform Eric Linzer, Vice Pres - 2. . If You Don\'t Have Coverage. . Employer Doesn\'t Offer. EmployerOffers. Apply forComm. Care or Medicaid. . . But unable to affordcoverage. >300% FPL. <300% FPL. . May be exempt. . 2007: Loss ofstate income taxdeduction. 2008: Monthlypenalty up to monthly premium. ?. ?. You can buy the
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HEALTH CARE INDUSTRY PERSPECTIVES ON HEALTH CARE REFORM -
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Health Care in Obama s 1st Year or More of the Same is not Health Care Reform - Why Health Care Is On the Agenda: Escalating Cost. Average Annual Premiums for Single and Family Coverage, 1999-2008. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2008.. International Comparison: Universal Coverage at Less Cost -- They Must Be Doing Something Right!. * PPP = Purchasing Power Parity.Data: OECD Health Data 2008, June 2008 version..
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Health Care in Obama s 1st Year or More of the Same is not Health Care Reform - Why Health Care Is On the Agenda: Escalating Cost. Average Annual Premiums for Single and Family Coverage, 1999-2008. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2008.. International Comparison: Universal Coverage at Less Cost -- They Must Be Doing Something Right!. * PPP = Purchasing Power Parity.Data: OECD Health Data 2008, June 2008 version..
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Health Care Reform Overview of Federal Health Insurance Reform Requirements and TDI Implementation Planning - 2. TDI Overview . Presentation is limited to major provisions related to health insuranceMany specific details to be determined by federal Health and Human Services (HHS) regulations or directivesEffect of reform will be different across states, depending on existing statutory and regulatory requirements and current market structureCaution when reading reform summary documents or news stories; many interpretations and inaccuracies .
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