As he points out in the conclusion of his post, there are a lot of people with a vested interest in blurring the lines between these concepts, and woefully few willing to insist on clarity.Firstly—health insurance is not health care. Insurance companies do not provide health care. Care comes from medical professionals like doctors and nurses and other aides that assist them. Care is what is consumed by a healthcare consumer.Health insurance is a scheme of risk mitigation. The idea of insurance is to protect a consumer from financial ruin associated with a costly medical care event or series of events. At least that's how it once worked. Now, health insurance is the primary middleman in complicated scheme of regulation, welfare, and payment approvals. It is the only form of insurance commonly purchased or discussed that is 1) often linked to employment status or employer benefits, and 2) used mostly as a payment scheme rather than an insurance scheme.Finally, there is the element of wealth transfer or welfare. This is one of the government's primary roles in our health care system. It is a substantial contributor to the mess our system is in.
Wednesday, July 12, 2017
Three separate matters of consideration
Justin Hohn succinctly lays out the three components of the public-policy issue we're calling "health care." Getting clear about the distinctions between them would, one would think, be the logical starting point for society-wide and particularly legislative discussions about the subject: