While not intending to do so, my fellow blogger, Joe Paduda has made a well-constructed argument for single payer health care, all the while examining the impact of health insurance status has on workers’ comp.
Rather than give you my take on what Joe wrote, I am providing the reader with his entire post below:
Health insurance status and workers’ comp
The headlines were comforting – not much change in the number of Americans without health insurance.
Before you breathe that sigh of relief, you’d be well-advised to dig a bit deeper, because there’s plenty of bad news just under the headline.
While the national number of uninsured stayed about the same, that’s irrelevant to you – because healthcare is local. Here’s what I’d be worried about.
Young adults are almost twice as likely as older adults to be uninsured – about one in six younger adults don’t have coverage.
- Takeaway – no health insurance = more incentive to file work comp claims
- Over a quarter of working-age Texans don’t have coverage. Georgia, Florida, and North Carolina are not far behind
Takeaway – no health insurance = poorer health status, more comorbidities, more charity care for providers thus more incentive to cost- and claim-shift.
- 44% of working-age adults were covered by high-deductible plans – but more than half of them don’t have health savings accounts needed to fund those high deductibles
Takeaway – “High” deductible health plans aren’t much different than no insurance at all if the patient can’t afford the deductible – and over half can’t. So, more incentive to cost- and claim-shift.
What does this mean for you?
Workers’ comp will be affected by the Administration’s ongoing behind-the-scene effort to hollow out the ACA and cut funding for Medicare and Medicaid.
But what it also means it that single payer will be the only way every American can be assured of access to health care that is affordable and available when they need it, and is not a luxury they can do without,
It may also mean that the workers’ comp silo may have to be folded once and for all into the health care silo that will cover the elderly, the poor, children, the military and their families, and everyone else not currently covered under any insurance, or under employer-sponsored insurance, which would be done away with.
So, Joe gave us an unintended gift by showing how health insurance status and workers’ comp may lead to the implementation of single payer health care.