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Health Care Napkin 2

Napkin #2 in a series of four simple "back of the napkin" sketches visually explaining the health care debate.

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Health Care Napkin 2

  1. 2009 © Digital Roam Inc. Dan Roam
  2. 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
  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
  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
  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
  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
  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
  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
  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
  10. Next napkin: What plans are really on the table? (And what is just hype.) 11

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Napkin #2 in a series of four simple "back of the napkin" sketches visually explaining the health care debate.


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