Health Policy
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Transcript

  • 1. US Health Policy
    • What is the cause of the rising cost of health care in the US?
    • How does health policy influence economic policy?
  • 2. Health Care in the US
    • In 2004, 16.8% (48.3 million people) Americans did not have health insurance.
    • 35% of young adults between the age 19 to 24 were at the greatest risk of being uninsured was.
    • Since 2000, health insurance premium have increased by 73%.
    • The US is one of the few wealthy industrialized democratic nations without nationalized healthcare.
  • 3. Types of Systems
    • Primarily Private
      • US
    • Primarily Public
      • UK, Sweden, and Italy
    • Hybrid
      • Canada, France, Germany
  • 4. The US Healthcare System
    • Paul Krugman says that the rising cost is due to “our crazy quilt healthcare system, which has a lot to do with the fact that so much of that system is private rather than public…...”
  • 5. Oxymoron
    • Integrating market mechanisms with reduce cost and increases efficiency.
    • Prices will be pushed down because consumers will be looking for the best service at the lowest price.
    • Failure of the market!
  • 6. Alternative Opinions on the Cause of the Rising Cost
    • Humans by nature are freeloaders
      • With low co-pays, people have no idea the high fees that are paid by insurance companies.
      • People don’t shop for the lowest prices
      • People see physicians for minor issues
  • 7. What Drives US Heath Care
    • Market Forces-
      • Private industry
        • Profits not care drive pharmaceuticals, insurance, hospitals, medical technology, and some doctors
      • Law of supply and demand-
        • Increase demand for medical care and limited supply
        • Growing baby boomer population
        • Increase litigation
        • High cost of technology
  • 8. US Health Care Policy
    • Three pillars of US Health Policy
      • Cost
      • Access
      • Quality
  • 9. Major Actors: Health Care Purchasers
    • Federal Government
      • Congress
      • President
      • Judiciary
      • Bureaucracy
    • State and Local Government
    • Industries and Firms
    • Individuals
  • 10. Major Actors: Health Care Providers
    • Hospitals
    • Elderly care homes
    • Physicians
  • 11. Major Actors: Third Party Payers, Consumers and Interest Groups
    • Third Party Payers
    • Consumers/Public Opinion
    • Interest Groups
      • AARP
      • AMA
      • American Hospital Association
      • Health Insurance Association of America
  • 12. Existing Government Programs
    • Medicaid-
      • State and federal program to subsidize health care for the poor
        • To qualify, must exhaust financial assets
        • The poor make up 75% of the participants, but they receive little more than a quarter of the health funds.
      • Often provides long term nursing home care
    • VHA-
      • Medical, hospitalization, and nursing care provided to any in current service or retirement
  • 13. Existing Government Programs
    • Medicare (entitlement program: both employer and employee pay 2.9%)-
      • Created by LBJ in 1965
      • Designed to offer support for the elderly (age 65 ) regardless to income
        • Seniors and disabled comprise of 10% of the participant, but consume 28% of the govt. health funds.
      • Mixed system were payments are public, but services are provided by the private sector
  • 14. Cartoon
  • 15. Arguments Against Nationalized Health Care
    • Reduces medical advances and innovation
    • Private enterprise is more efficient
  • 16. Bush’s Health Care Policy
    • More market forces-
      • Health savings account (HAS) and high deductible health policy
        • Special account to deposit money to pay for current and future medical expenses
        • Money can be deposited to a the HSA before tax is paid on it
        • The money can be used tax-free for medical expenses
          • medical insurance deductible
          • co-insurance (the amount after which the insurance begins to pay, but less than the amount at which they pay 100% of expenses
  • 17. Quiz
    • How does health policy influence economic policy?