Health care Napkin 3

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#3 in a series of 4 "back of the napkin" sketches clarifying the health care debate.

#3 in a series of 4 "back of the napkin" sketches clarifying the health care debate.

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  • 1. 2009 © Digital Roam Inc. Dan Roam dan@danroam.com www.thebackofthenapkin.com
  • 2. Today, we have a purely business-driven insurance model. Today, health care in America is a profit- oriented business where costs are mainly controlled by restrictive private insurers. 3
  • 3. There are 3 options on the table: #1 is a less restrictive private model. The first option is less restrictive private insurance. Everyone must be covered by a private plan, and no one may be excluded because of pre-existing conditions. 4
  • 4. #2 is private insurance (like today) in competition with “co-ops”. Restrictive private insurance remains for those who want it. Others must buy insurance through private, non-profit co-ops (or ‘exchanges’). 5 2009 © Dan Roam THE BACK OF THE NAPKIN all rights reserved
  • 5. #3 is private insurance competing with government-managed insurance. Restrictive private insurance remains for those who want it. Others must buy insurance through a government managed program. (Like a really big Medicare.) 6 2009 © Dan Roam THE BACK OF THE NAPKIN all rights reserved
  • 6. Who is behind each? The conservatives didn’t The White House want any change, but they wanted this, but now know change is coming. knows it won’t get it. 7
  • 7. Which bills promote which? 8
  • 8. The private insurance industry doesn’t like any of these options (for good reason). Insuring everyone Competing with Government means insurers’ co-ops means loss prices will costs go up. of customers who undercut private can pay. prices. 9 2009 © Dan Roam THE BACK OF THE NAPKIN all rights reserved
  • 9. Insurance sees the first option as the least bad*, so they’ve poured money into sinking the others. * Then again, if they play this right, they could make $trillions! 10
  • 10. Coming on the 4th napkin: Business and politics aside, what do the options mean to me?