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2009 © Digital Roam Inc.

Dan Roam                dan@danroam.com   www.thebackofthenapkin.com
Today, we have a purely business-driven
insurance model.




Today, health care in America is a profit-
oriented business ...
There are 3 options on the table:
#1 is a less restrictive private model.




   The first option is less restrictive priv...
#2 is private insurance (like today) in
         competition with “co-ops”.




                  Restrictive private insu...
#3 is private insurance competing with
         government-managed insurance.




           Restrictive private insurance...
Who is behind each?




The conservatives didn’t    The White House
want any change, but they   wanted this, but now
know ...
Which bills promote which?




                             8
The private insurance industry doesn’t like
         any of these options (for good reason).




       Insuring everyone ...
Insurance sees the first option as the least bad*, so
they’ve poured money into sinking the others.




* Then again, if
t...
Coming on the 4th napkin:




 Business and politics aside,
what do the options mean to

         me?
Health care Napkin 3
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Health care Napkin 3

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

Published in: Health & Medicine
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Transcript of "Health care Napkin 3"

  1. 1. 2009 © Digital Roam Inc. Dan Roam dan@danroam.com www.thebackofthenapkin.com
  2. 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. 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. 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. 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. 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. 7. Which bills promote which? 8
  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. 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. 10. Coming on the 4th napkin: Business and politics aside, what do the options mean to me?
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