2009 © Digital Roam Inc.

Dan Roam                dan@danroam.com   www.thebackofthenapkin.com
Quick review: 3 insurance options are on
the table:




All 3 require universal coverage for all citizens.
The difference ...
Note: when the debate started, there was
a 4th, all-government option.




              Sen. Conyers (D-MI) proposed
    ...
This “single-payer” option has been
removed from the debate.




               The White House has pulled support.
      ...
At the end of the day, what
do the 3 options mean to me?




                               6
1) If I’m presently employed and insured,
all options will cost me more.




Higher premiums        Indirect taxes       D...
So why reform? Because if we do nothing,
it’s going to cost even more.




People concerned that reforms will bankrupt the...
The additional costs are unknown. All I can
choose is how my money will be taken
from my pocket.




I’ll pay higher     I...
2) A key issue to debate is whether I will
pay directly or through my employer.




Switching the tax benefit to a tax cre...
3) In all cases, my actual health will at least
not get worse.




All plans let me   All plans let me   All plans will he...
Although today’s debate is really insurance
reform, there are issues on the other side:




Although they’re not core to t...
In the end, how we each decide to support
reform will be guided by 3 questions:




Should health be   Change is coming;  ...
Dan Roam   dan@danroam.com   www.thebackofthenapkin.com
Health care napkin 4
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Health care napkin 4

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4th and final napkin in my health care series. This napkin illustrates what the options mean to us and offers three concluding thoughts.

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Health care napkin 4

  1. 1. 2009 © Digital Roam Inc. Dan Roam dan@danroam.com www.thebackofthenapkin.com
  2. 2. Quick review: 3 insurance options are on the table: All 3 require universal coverage for all citizens. The difference is the amount of government-backed coverage. 3
  3. 3. Note: when the debate started, there was a 4th, all-government option. Sen. Conyers (D-MI) proposed H.R. 676, an all-government national health insurance plan. 4
  4. 4. This “single-payer” option has been removed from the debate. The White House has pulled support. H.R. 676 is effectively dead. 5
  5. 5. At the end of the day, what do the 3 options mean to me? 6
  6. 6. 1) If I’m presently employed and insured, all options will cost me more. Higher premiums Indirect taxes Direct taxes. as private insurers’ through loss of costs rise to cover untaxed more people. insurance benefit. 7
  7. 7. So why reform? Because if we do nothing, it’s going to cost even more. People concerned that reforms will bankrupt the USA need to recognize that health costs are already bankrupting us. 8
  8. 8. The additional costs are unknown. All I can choose is how my money will be taken from my pocket. I’ll pay higher I’ll lose a presently I’ll pay more private insurance untaxed employment direct taxes. premiums. benefit. 9
  9. 9. 2) A key issue to debate is whether I will pay directly or through my employer. Switching the tax benefit to a tax credit will give the government an additional $250 Billion per year with no impact on my compensation. 10
  10. 10. 3) In all cases, my actual health will at least not get worse. All plans let me All plans let me All plans will help keep my existing keep my existing more people be coverage. providers. covered. 11
  11. 11. Although today’s debate is really insurance reform, there are issues on the other side: Although they’re not core to today’s insurance debate, we need to address cost-cutting options on the provider side. 12
  12. 12. In the end, how we each decide to support reform will be guided by 3 questions: Should health be Change is coming; Will I be better a profit-driven how do I want to off shouting or business? pay for it? thinking? 13
  13. 13. Dan Roam dan@danroam.com www.thebackofthenapkin.com
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