The document discusses the current state of healthcare in the United States and proposals for reform. It begins by outlining various metrics where the US lags behind other developed nations such as life expectancy, healthcare spending, obesity rates, and access to care. It then summarizes key provisions and impacts of the Affordable Care Act but notes it did not address the root problems with the system. Finally, it outlines the proposal for a single-payer "Medicare for All" system as established in HR 676, including its benefits and projected cost savings compared to the current multi-payer approach.
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The Business of Health Care Reform: What's Here? What's Missing? What's Next
1. The Business of Health Care Reform:
What’s Here?
What’s Missing?
What’s Next?
Tom Lieb, MD
Ed Weisbart, MD
2. Projected data for 2013
CIA World Fact Book
Accessed Dec 3 2013
74
76
78
80
82
84
86
UnitedStates
Guam
Portugal
Denmark
Gibraltar
SaintHelena+
PuertoRico
WallisandFutuna
CaicosIslands
Finland
Korea,South
VirginIslands
Taiwan
Belgium
EuropeanUnion
Luxembourg
Malta
FaroeIslands
Austria
SaintPierre+
Greece
UnitedKingdom
Jordan
Germany
Ireland
Norway
NewZealand
IsleofMan
CaymanIslands
Bermuda
Netherlands
Anguilla
Iceland
Israel
Sweden
Spain
France
Canada
Jersey
Liechtenstein
Italy
Australia
HongKong
Switzerland
Guernsey
Andorra
SanMarino
Singapore
Japan
Macau
LifeExpectancyatbirth
Guernsey
Switzerland
Hong Kong
Australia
Italy
Liechtenstein
Canada
Jersey
France
Spain
Sweden
Israel
Iceland
Anguilla
Netherlands
Bermuda
Cayman Islands
Isle of Man
New Zealand
Ireland
Norway
Germany
Jordan
United Kingdom
Greece
Saint Pierre+
Austria
Malta
We’re Number 51 in Life Expectancy
3. We Spend More Than Double
Most Other Modern Nations
Data are for 2011
Sources: OECD 2013; Health Affairs 2002 21(4)88
$2,940
$3,280 $3,140
$3,970
$4,350
$4,780
$5,749
$3,201
$-
$2,000
$4,000
$6,000
$8,000
$10,000
Total US Public US Private
2011healthcarespendingpercapita
$8,950Our taxes already more than
pay for universal care
anywhere else in the world.
4. We’re Not Very Old
Percent of
population
over age
64
Note: Data are for 2012 or most recent year available
Source: OECD, 2013
0%
5%
10%
15%
20%
25%
USA CAN UK FRA SWE GER ITA JAP
Japan is much older but
spends one third
what we spend
5. We’re Not Big Smokers
0%
5%
10%
15%
20%
25%
30%
35%
Sweden
Iceland
UnitedStates
Australia
Canada
Luxembourg
Norway
Finland
NewZealand
Israel
Portugal
Slovenia
Mexico
SlovakRepublic
UnitedKingdom
Denmark
Japan
Switzerland
Belgium
Netherlands
Germany
Italy
Austria
Korea
France
Poland
Spain
CzechRepublic
Turkey
Estonia
Hungary
Ireland
Chile
Greece
Percent of
population
ages 15+
smoking
daily
USA:
14.8%
Missouri:
25% of adults
Note: Data are for 2012 or most recent year available
Source: OECD, 2013
7. We Have Plenty of Technology
0
20
40
60
80
100 USA
GRE
TUR
GER
LUX
ICE
BEL
SPA
DEN
FRA
AUST
CAN
NET
EST
UK
CZE
SLO
HUN
POR
AUSL
ISR
IRE
KOR
POL
CHIL
MRI
exams
per
1,000
people
Note: Data are for 2011 or most recent year available
OECD Data
Accessed Nov 28 2013
8. We Have the
Best Cancer Outcomes
http://www.cancer.org/acs/groups/content/@epidemiologysurveil
ance/documents/document/acspc-027766.pdf accessed Nov 28,
2013
5-Year
survival,
all
cancer
types
0%
10%
20%
30%
40%
50%
60%
70%
USA SWI BELG GMN SPN UK SLOV
9. We Have Nearly the
Worst Infant Mortality Rates
0
2
4
6
8
10
Turkey
Chile
UnitedStates
NewZealand
Canada
Hungary
SlovakRepublic
Poland
Luxembourg
UnitedKingdom
Australia
Switzerland
Austria
Denmark
Germany
Netherlands
France
Ireland
Israel
Greece
Italy
Belgium
Spain
Portugal
Korea
Slovenia
CzechRepublic
Estonia
Finland
Norway
Japan
Sweden
Deaths in
first year of
life per 1,000
live births
Note: Data are for 2011 or most recent year available
OECD Data
Accessed Nov 28 2013
10. Note: Data are for 2009 or most recent year available
Source: OECD, 2011
We Have the
Worst Maternal Mortality Rates
0
2
4
6
8
10
12
14
USA UK CAN FRA GMN Australia
Deaths per
100,000 live
births
11. We Have Rapid Access to
Elective Surgery
0%
5%
10%
15%
20%
25%
30%
NET FRA SWI USA NZ ASTL NOR UK SWE CA
Adults who
needed
elective
surgery and
waited at
least 4
months
http://www.commonwealthfund.org/~/media/Files/Publicatio
ns/Fund%20Report/2012/Nov/1645_Squires_intl_profiles_hl
t_care_systems_2012.pdf
2010-2012 data, report Dec 2012, accessed Nov 28 2013
12. We Don’t Go to the Doctor Much
0
2
4
6
8
10
12
14
MEX
NEZ
SWE
CHI
IRE
USA
GRE
SWI
POR
FIN
DEN
UK
NOR
CAN
EST
LUX
ISR
ICE
SLV
ATL
NET
POL
FRA
AUS
ITA
TUR
SPN
BEL
GER
CZE
SLO
HUN
KOR
JAP
Physician
visits per
capita
http://www.commonwealthfund.org/~/media/Files/Publicatio
ns/Fund%20Report/2012/Nov/1645_Squires_intl_profiles_hl
t_care_systems_2012.pdf
2010-2012 data, report Dec 2012, accessed Nov 28 2013
13. We Don’t Have Very Many Doctors
0
1
2
3
4
CHI
TUR
KOR
MEX
POL
JAP
CAN
SLO
USA
NZD
UK
LUX
HUN
BEL
NET
ATRL
IRE
EST
FIN
FRA
SVK
DN
ISR
CZE
ICE
ITA
GER
SPA
SWE
SWI
PTG
Practicing
physicians
per 1,000
people
http://www.commonwealthfund.org/~/media/Files/Publicatio
ns/Fund%20Report/2012/Nov/1645_Squires_intl_profiles_hl
t_care_systems_2012.pdf
2010-2012 data, report Dec 2012, accessed Nov 28 2013
14. We Have Plenty of Administrators
Data updated through 2013
Source: Bureau of Labor Statistics; NCHS;
Himmelstein/Woolhandler analysis of CPS
GrowthSince1970
Physicians Administrators
3000%
2500%
2000%
1500%
1000%
500%
0
1970 1980 1990 2000 2010
15. We Waste 31% of
Our Healthcare Dollar
Medical overhead,
administration, and
insurance profits
Medical care
31%
69%
Woolhandler, et al “Costs of Health Administration
in the U.S. and Canada,” NEJM 349(8) Sept. 21,
2003
16. We’re Insured, But Not Very Well
Uninsured
84% have
insurance
16%
Commonwealth Fund, Sept. 8, 2011
2012 Biennial Health Insurance Survey
17. We’re Insured, But Not Very Well
Uninsured
Adequately
insured
(Spend under
10% on
healthcare)
Under-Insured
(Spend more than
10% on healthcare)
54%
16%
30%
Commonwealth Fund, Sept. 8, 2011
2012 Biennial Health Insurance Survey
18. Deductibles Began Rising
Long Before the ACA
10%
12%
18%
22%
27%
31%
34%
38%
0%
10%
20%
30%
40%
2006 2007 2008 2009 2010 2011 2012 2013
Kaiser/HRET Survey of Employer-Sponsored Benefits, 2013
Percent of
workers with
deductibles
>$1,000
19. Under-Insurance Drives Bankruptcies
Source: Himmelstein et al. Am J Med. Aug. 2009
Medical
expenses
drove 62%
of
bankruptcies
78%
were insured at
onset of the
bankrupting illness
Uninsured
at illness
onset
20. Massachusetts’ Reform
Did Not Slow Medical Bankruptcies
7,504
10,093
0
2,000
4,000
6,000
8,000
10,000
12,000
2007 2009
Source: Himmelstein, Thorne, Woolhandler.
Am J Med 2011;124:224
Number of
medical
bankruptcies in
Massachusetts
21. Uninsured and Under-Insured
Delay Seeking Care for Heart Attacks
Source: JAMA April 15, 2010. 303:1392
*Adjusted for age, sex, race, clin. charact., hlth status, social/psych fx,
urban/rural. Under-insured=had coverage but patient concerned about cost
1.00
1.21
1.38
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
Insured Under-insured Uninsured
Odds ratio
for delayed
care*
22. Note: Data are for 2011 or most recent year available
Figures adjusted for Purchasing Power Parity
Source: OECD, 2013
We Have the Most “Skin in the Game”
$968
$733
$640
$571
$315 $298 $267
$0
$200
$400
$600
$800
$1,000
$1,200
USA AUSL CAN GER UK FRA HOL
Out-of-
pocket
dollars per
capita
23. Source: Health Affairs 2011;30:2437
Cost Barriers Are the Worst in the US
Percent
Reporting
Problems
(Among
Sicker
Adults)
50%
40%
30%
20%
10%
0 UK FR
A
CA
N
AUL NZ
E
US UK FR
A
CA
N
NZ
E
AUL US
Sick Americans say
cost drove their
access problems
Sick Americans find
it uniquely hard to
pay their medical
bills
24. This really is a
“Patient Bill of Rights”
Affordable Care Act:
Millions of More Insured Americans
New Insurance
Regulations
• Dependents
covered to age 26
• No one is
“uninsurable”
• No cancellations
for being too sick
• No lifetime/annual
maximums
New Insurance
Marketplaces
• Single door
• “Ten Essential
Benefits”
• Priced only by
age, smoking and
location
• 60-90% value
• Navigation
assistance
Stronger Public
Programs
• Medicare
stabilized and
strengthened
• Medicaid
expansion option
Many many
more things
25. How Many People Are Involved in
Medical Bankruptcies Each Year?
CanadaUSA
2 Million62% of Americans file cases
866,000 total cases
affecting 2 million Americans
Excludes those too poor to
declare bankruptcy
Source: Himmelstein et al. Am J Med: August, 2009
26. How Many People
Don’t Have Health Insurance?
CanadaUSA with the ACA
US Census Bureau, 2012
30
Million
27. How Many People Go Without
Some Medical Care Because of Cost?
CanadaUSA
Commonwealth Fund, Schoen 2007
115
Million
28. How Many People Die Each Year
From Not Having Insurance?
CanadaUSA
Wilper, et al “Health Insurance and Mortality in U.S.
Adults,” American Journal of Public Health;
Vol. 99, Issue 12, Dec 2009
45,000
29. The ACA’s Biggest Flaw
Preserves the insurance industry
• Limited lists of doctors and hospitals
• Large gaps in covered benefits
• Financial barriers to care
• Needless complexity
• Millions remain uninsured
31. National Health Programs 101
National
Health
“Insurance”
• Public
funding,
private
delivery
• Medicare
• Canada
National
Health
“Service”
• Public
funding,
public
delivery
• VA
• Great
Britain
“All Payer”
• Highly
regulated
insurance
model
Multi-Payer
• Insurance
industry-
centric
• Uniquely
American
“Single Payer”
32. National Health Programs 101
National
Health
“Insurance”
• Public
funding,
private
delivery
• Medicare
• Canada
National
Health
“Service”
• Public
funding,
public
delivery
• VA
• Great
Britain
“All Payer”
• Highly
regulated
insurance
model
Multi-Payer
• Insurance
industry-
centric
• Uniquely
American
HR 676The Improved and Expanded
Medicare for All Act”
33. HR 676 “Medicare for All”
Builds on Medicare
Fix Medicare
• Comprehensive
benefits
• No financial barriers
• No need for “Medicare
supplemental” or “wrap”
• Preserve private
delivery
Expand Medicare
• All Americans, including
Congress
• Roll up most other
programs
• “Everybody in, nobody
out.”
34. HR 676 “Medicare for All” Provides for
All Medically Necessary Services
Primary care Prescription drugs Substance abuse
Prevention DME Chiropractor
Nutritional therapies Long-term care Basic vision
Inpatient care Palliative care Hearing / hearing aids
Outpatient care Mental health services Podiatry
Emergency care Full dental
Free choice of
providers
No copays, no deductibles, no lifetime/annual maximums
35. HR 676 “Medicare for All” Provides for
All Medically Necessary Services
Primary care Prescription drugs Substance abuse
Prevention DME Chiropractor
Nutritional therapies Long-term care Basic vision
Inpatient care Palliative care Hearing / hearing aids
Outpatient care Mental health services Podiatry
Emergency care Full dental
Free choice of
providers
No copays, no deductibles, no lifetime/annual maximums
36. HR 676 “Medicare for All”
Protects Displaced Healthcare Workers
• “Medicare for All Employment Transition Fund”
Fully funded support
• Two years of guaranteed salary (up to $100,000 per
year)
• Eligible for unemployment after protected salary
period
Two year transition
First priority for retraining and job
placement
37. HR 676 “Medicare for All”
Builds on the Progressive Income Tax
• Roll-up existing federal and state programs
Consolidate current spending
• Modest increase in progressive taxes
• For 95% of people, the increase in taxes is less
than the reductions in premiums, copays, and
deductibles.
Eliminate premiums, copays, etc
38. Friedman, G. Dollars & Sense. March/April 2012
$ Billions
Medicaid Rate Adjustment
Covering the uninsured
Increased utilization (especially home health and dental)
Government administration ($23B)
Health insurance administration
Increased market power (pharma and devices)
Admin costs to providers
New Costs Savings
$74
$110
$142
$153
$178
$215
$200
0
-$200
-$400
-$600
HR 676 “Medicare for All”
Covers Everyone and Spends Less
39. Friedman, G. Dollars & Sense. March/April 2012
New
Costs:
$326 B
Net savings:
$243 Billion
Cover everyone
with better benefits
and spend less.
New
Savings
:
$569 B
HR 676 “Medicare for All”
Covers Everyone and Spends Less
40. Canada Figured This Out Already
Source: Statistics Canada, Canadian Institute
for Health Info, and NCHS/Commerce Dept.
Health
costs %
of GDP
19%
17%
15%
13%
11%
9%
7%
5%
1960 1970 1980 1990 2000
USA
2014
Single Payer
Implemented
Canada
“Uniquely
American”
41. Source: World Bank.
Accessed Nov. 29, 2013
Life Expectancy
Gap
(CA minus US)
(years)
0
1
2
3
1975 1980 1985 1990 1995 2000 2005 2010
Canadians Spend Less and Live Longer
They spend half as much as we do,
and now live 2.5 years longer.
42. The Investment Community Gets This
Smith, R. “How Much Could Medicare for All
Save You?” The Motley Fool, July 21, 2013
“Single-payer would shave
$400 Billion per year
off the national health care bill.”
43. Universal Health Care
Is Not a Partisan Issue
“Every developed country,
they have universal health
care.
“Whether it’s Obamacare, or
son of Obamacare, I don’t
care. As long as we get it
done.”
Bauman, V. Puget Sound Business Journal. Dec. 5,
2013
http://www.bizjournals.com/seattle/blog/health-care-
Colin Powell
Four Star General, Ret.
Former Secretary of State
44. We Have Universal Coverage Today:
EMTALA (1986 Law)
IT’S THE LAW
If you have a medical emergency or are in active labor,
you have the right to receive,
within the capabilities of
this hospital’s staff and facilities:
An appropriate medical screening
examination and necessary
stabilizing treatment,
even if you cannot pay or
do not have medical insurance.
Care for uninsured adds
$1,000
per family per year
45. We Have Built the World’s
Least Prudent Health Care Strategy
Untreated hypertension
• Dialysis: $46,332 per year
• Strokes: $47,800 per
event
Treated Hypertension
• Most medications for
hypertension: $4/month
http://www.ncbi.nlm.nih.gov/pubmed/22237223
http://www.cdc.gov/stroke/facts.htm
Who pays
for all this?
46. What Do You Spend on
Health Care Benefits?
Single Payer ModelUSA Employers Today
7 - 12%
of wages
3.3% tax
on wages
Bureau of Labor Statistics
Business Health Coalition for Single Payer
47. 7 Ways that Single Payer
Strengthens American Businesses
Reductions in
Direct Costs
• Cost of health care benefit
• Health care benefit
management costs
• Worker Comp, auto and
liability insurance
Reduced
Employer Risk
• More predictable future
costs
• Eliminate risk of employees
with high medical costs
• One less item in labor
negotiations
Level the global playing field
for business
48. Americans Are Not as Divided
As You Might Think
Source: CBS News / New York Times Poll, April 14,
2010
76%
62%
19%
33%
5% 6%
0%
20%
40%
60%
80%
National Sample Tea Party Sample
Worth It Not Worth It Don't Know
“Are the benefits from
government programs
such as Social
Security
and Medicare
worth the costs?”
Editor's Notes
Our systems devotes nearly a third of its resources to overhead, administration, and profits, a ten-fold increase over Medicare and single payer countries.
Americans value personal choice, something that is profoundly restricted in our Multi-payer model. Employers pick one or two insurers to offer their employees; insurers build their own networks of physicians, hospitals, and drug formularies. Patients must get their healthcare within these circumscribed lists, losing access to some hospitals, physicians, and prescription drugs.
Our systems devotes nearly a third of its resources to overhead, administration, and profits, a ten-fold increase over Medicare and single payer countries.
Americans value personal choice, something that is profoundly restricted in our Multi-payer model. Employers pick one or two insurers to offer their employees; insurers build their own networks of physicians, hospitals, and drug formularies. Patients must get their healthcare within these circumscribed lists, losing access to some hospitals, physicians, and prescription drugs.