Health Care Napkin 2

2009 © Digital Roam Inc. Dan Roam dan@danroam.com www.thebackofthenapkin.com

Remember how all the reforms are focused on the insurance side? All the big changes the White House is demanding are directed towards the private insurance companies. 3

The White House should call it what it is: If the White House wins, it will be the private insurance companies sitting on the outside looking in. 4

Is that fair? The only value private insurers bring to the equation is to keep costs down for members. (And pay shareholders. Remember: this is a business.) 5

Is that fair? YES. Without a doubt. Private insurers have failed miserably at keeping costs down. If they can’t manage member costs, why do they exist? 6

Private insurers had a remarkably profitable 2008. (Yes, in the recession.) 2008: Detroit dies.Wall Street tanks. 9.5% unemployed. Private insurance does just fine. 7

Is anybody else being asked to reform? Yes, but not so much: Me: Providers: Take better care of myself. Be more efficient. Try not to get sick. Do more with less. Don’t get fired. (Ha!) Order fewer procedures. (Pharma is being asked to pay an $80 billion gift.) 8

In the end, who will pay for any reform? Me. Assuming I’m presently employed and covered, I’m the only player putting money into the system. 9

And where will the money I pay go? (There are 3 possibilities.) 1. Increase 2. Fund new 3. Fund a new profits for non-profit government Private Insurers. insurance insurance plan (no exchanges. profit allowed). Yes, it is that simple. 10

Next napkin: What plans are really on the table? (And what is just hype.) 11

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Health Care Napkin 2

by Dan Roam on Aug 11, 2009

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Health Care Napkin 2 — Presentation Transcript