Dems want to kill consumer-driven health care

The End of HSAs

About the best that can be said about the Senate health-care bill that Harry Reid revealed this week is that it's marginally less destructive than the House monster. By a hair. Its $1.2 trillion cost (more like $2.5 trillion if you discount the accounting gimmicks), multiple and damaging new taxes, and new regulations will make health insurance more expensive for most Americans while reducing the quality of medical care.

We'll dissect the damage in the days to come. But for today let's focus on the damage the bill would do to consumer-driven health plans—the kind that give individuals more control over their health dollars and insurance choices. The 2,074-page bill crushes them with malice-aforethought. [...]

It goes into detail. I have an HSA, and it's wonderful. It allows me to buy insurance with a high deductible. I can then use the HSA to pay for uncovered costs, and to choose the kind of health care I want.

As the article clearly points out, the Democrats want to eliminate our choices, and force us to take what they choose for us, on their terms, not ours. Congress of course, will have their own insurance, and won't be forced to use what they force on us.

It's time for a revolution, time to get rid of the dictators.

     

Enlightened, affordable healthcare, that works

Whole Foods-Style Health Care

[...] Whole Foods has always had a philosophy of treating its employees as intelligent human beings, empowering them to made decisions not normally delegated to people who might otherwise be seen as unskilled labor, and giving them significant incentives to improve their performance and productivity. Part of his formula for treating employees well has been the company's approach to health-care benefits.

He talked about it in a commentary in the Wall Street Journal last week. Here's the essence of it:

Whole Foods Market pays 100% of the premiums for all our team members …for our high-deductible health-insurance plan. We also provide up to $1,800 per year in additional health-care dollars through deposits into employees' Personal Wellness Accounts to spend as they choose on their own health and wellness.

And then later on:

Our team members therefore spend their own health-care dollars until the annual deductible is covered (about $2,500) and the insurance plan kicks in. This creates incentives to spend the first $2,500 more carefully.

Do you see the essence of what he has done? First, by offering high-deductible insurance, he has returned the whole concept of health insurance back to what it should have been all along -- a safety net against the really bad health catastrophes. Second, by giving employees the funding to pay for their own care when they just get the sniffles, he returns health care to the discipline that all other markets for any other kind of service have to face -- consumers making careful decisions about how to spend their own money. [...]

The article goes on to explain how the Obamacare approach is the exact opposite of what whole foods has done, and what it will mean in practical terms if it's forced on us:

[...] If Whole Foods had to switch over to an Obamacare-style approach, its costs of doing business would rise. And his employees would not be pleased, either, because under his enlightened approach to management he's already crafted his company's health benefits to reflect his employees' stated wishes. As he puts it, "Our plan's costs are much lower than typical health insurance, while providing a very high degree of worker satisfaction."

Labor is the largest cost for most companies. Benefits are the fastest-growing component of labor costs. And health-care insurance is the fastest-growing component of benefits. If Obamacare is enacted, labor costs are only going to go higher -- which means that corporate profits will have to go lower, unless companies pass the costs on to consumers.

Any company CEO -- and all the more so, people who run small businesses where labor costs are high and profit margins are already slim -- needs to be concerned about this. But Mackey is coming from another place, as well.

He's pointing out the very good news that corporate profits and providing generous health benefits don't need to be at odds. He's already found the way -- he just needs to keep government from messing it up for him and his workers.

And yet Mackey has been demonized for expressing these views in print. Left-leaning bloggers have tried to organize a boycott of Whole Foods to punish Mackey. [...]

It's scary how they are gong after Mackey to silence him. The article goes on to say how the people who think health care is a right, seem to think that free speech isn't. It also says we have a chance for REAL healthcare reforms that WORK, if people like John Mackey persist in speaking out, and don't cave in to the pressure of threats to silence them.

Be sure to read Mackey's brilliant piece in the WSJ:

The Whole Foods Alternative to ObamaCare
Eight things we can do to improve health care without adding to the deficit.

Yes, eight things that will work, without raising the deficit, that the Obama Administration doesn't want you to hear about.


Also see:
Healthcare debate: "Bring your ideas to the table?" or “Agree with us, or we’ll crush you?”

UPDATE: The union fatcats behind the Whole Foods boycott
     

Lowering Health Care Costs for Everyone

From In order to bring health care costs down, it's important to understand what makes them so artificially high. John Stossel at Real Clear Politics sheds some light on this important issue:

Control Your Own Health Care

Candidates for president have plans to get more people health insurance. Some would compel us to buy it; others would use the tax code to encourage that. Regardless, insurance is the magic that will solve our health-care problems.

But contrary to conventional wisdom, it's not those without health insurance who are the problem, but rather those with it. They make medical care more expensive for everyone.

We'd each be better off if we paid all but the biggest medical bills out of pocket and saved insurance for catastrophic events. Truly needy people would rely on charity, not government, because once government gets involved, unintended bad consequences abound.

If people paid their own bills, they would likely buy high-deductible insurance (roughly $1,000 for individuals, $2,100 for families) because on average, the premium is $1,300 cheaper. But people are so conditioned to expect others to pay their medical bills that they hate high deductibles: They feel ripped off if they must pay a thousand dollars before the insurance company starts paying.

But high deductibles may be the key to lowering costs and putting you in charge of your health care.

Five years ago, the Whole Foods grocery chain switched to a high-deductible plan. If an employee has a sore throat or a sprained ankle, he pays. But if he gets cancer or heart disease, his insurance covers it.

Whole Foods puts around $1,500 a year into an account for each employee. It's not charity but part of the employee's compensation. It's money Whole Foods would have otherwise spent on more-expensive insurance. Here's the good part for employees: If they don't spend the money on medical care this year, they keep it, and the company adds more next year.

It's called a health savings account, or HSA.

CEO John Mackey told me that when he went to the new system, "Our costs went way down." [...]

(bold emphasis mine) The article goes on to describe the many ways this plan has worked out to benefit both the employer and the employees. I have high deductible health insurance, and a Health Savings Account. All my deductible medical expenses can be paid out of that account; Dentist, Optometrist, Doctor, Chiropractor, even Acupuncture if I want it. With insurance, I'd have to have separate Dental insurance. Eyeglasses or contacts are not always covered. Alternative medicine like Chiropractic and Acupuncture are often not covered by insurance. The HSA account allows ME to choose the kind of care I want, and how much I want to spend on it.

Last year I had a severe gall bladder attack; before the year was over, I had surgery to have it removed.

I used up all the money in my HSA account, but not long after that, my high deductible insurance kicked in, so I didn't end up spending a lot out of pocket. But I was also in charge; I wasn't sure I wanted the surgery, and was able to explore options and have addition tests, because I was paying for them, not the insurance company. That experience has made me a BIG believer in HSA accounts.

Read the rest of Stossel's article to see the affect this freedom has had on Whole Foods Employees. The freedom to choose works out best for everyone.


Related Link:

The Democrats corrupt use of children; lying to promote government sponsored health care:

Graeme Frost and the perils of Democrat poster child abuse
I feel sorry for the kids; it's not their fault that their parents couldn't be bothered to buy health insurance, but spent their money instead on things like business real estate and private school tuition for their kids, among other thingsWhat a sham. It would seem the parents feel entitled to spend their money on luxuries, while the rest of us pay for their insurance.

This isn't the first time Democrats have used children falsely to promote government health care. Remember what Hillary Clinton did in 1994:

Hillary's poisoned poster child

The Media was there while Hillary was using this child as a prop, but where were they when the real sordid story broke out?