I'm looking to vote for Ron Paul. I'm really crossing my fingers that people will look beyond mainstream media and that we'll see Ron in the primaries.
My problem with now is that American's have changed in mind set with what they expect from democracy. People want healthcare, education, and low taxes handed to them. People want retirement handed to them, and die an easy going life.
I think people have forgotten what democracy is, where freedom comes with responsibility. To have freedom means you're free to decide how and what to use your money on, where you get your education, and what organizations you want to support with and organizations you don't.
I enjoy hearing about healthcare from Ron Paul, because he speaks from a physicians point of view, as well as a congressman. It's not often you get to hear both sides, and I don't think other candidates can understand as well as someone who experiences the health care system by working in it.
Ron Paul wrote...
Just about everyone is unhappy with the health care system we have now, a system some people wrongly blame on the free market. To the contrary, our system is shot through with government intervention, regulation, mandates, and other distortions that have put us in this unenviable situation.
It is easy to forget that for decades the United States had a health care system that was the envy of the world. We had the finest doctors and hospitals, patients received high-quality, affordable medical care, and thousands of privately funded charities provided health services for the poor. I worked in an emergency room where nobody was turned away for lack of funds. People had insurance policies for serious health problems but paid cash for routine doctor visits.
That makes sense: insurance is intended to protect against unforeseen and catastrophic events like fire, floods, or grave illness.
Insurance, in short, is supposed to measure risk. It has nothing to do with that now. Something has obviously gone wrong with the system when we need insurance for routine visits and checkups, which are entirely predictable parts of our lives.
Today most Americans obtain health care either through a
Health Maintenance Organization (HMO) or similar managed-care organizations, or through Medicare or Medicaid. Since it is very hard to make actuarial estimates for routine health care, HMO's charge most members a similar monthly premium. Because HMOs always want to minimize their costs, they often deny payment for various drugs, treatments, and procedures. Similarly, Medicare does not have unlimited funds, so it generally covers only a portion of any costs. The result of all this is that doctors and patience cannot simply decide what treatment is appropriate. Instead, they constantly find themselves being second guessed by HMO accountants and government bureaucrats.
When a third party is paying the bills and malpractice lawsuits loom, doctors have every incentive to maximize costs and order all possible tests and treatments.
The incentive to cut costs is lost, as physicians (now working essentially as low-level employees) seek to make as much as they can in the new corporate environment and charge the maximum the HMOs allow.
Before 1965, physicians and hospitals (like all other private entities competing for your dollar) strove to charge the minimum; because payment now comes so largely from third parties, they instead charge the maximum. At the same time, patients suffer when legitimate and necessary treatment is denied. HMO's have become corporate, bureaucratic middlemen in our health care system, driving up costs while degrading the quality of medical care.
In all other industries, technology has nearly always led to lower prices -- except in health care, thanks to the managed-care system that has been forced upon us.
The story behind the creation of the HMOs is a classic illustration of what economist
Ludwig von Mises once said: government interventions create unintended consequences that lead to calls for further intervention, and so on into a destructive spiral of more and more government control. During the early 1970s, Congress embraced HMOs in order to address concerns about rising health care costs. But it was the Congress control over the health care dollar from so many consumers in the 1960s, and thus eliminating any incentive to pay attention to costs when selecting health care. Now, Congress wants to intervene yet again to address problems caused by HMOs, the product of still earlier interventions.
Now that the HMOs are all but universally unpopular, the very politicians who brought them to use are joining the bandwagon to denounce them, hoping the American people will forget, or never be told, that
the federal government itself virtually mandated HMOs in the first place.
The most obvious way to break this cycle is to get the government out of the business of meddling in health care, which was far more affordable and accessible before government got involved. Short of that, and more politically feasible in the immediate run, is to allow consumers and their doctors to pull themselves out of the system through
medical savings account. Under this system, consumers could save pretax dollars in special accounts. Those dollars would be used to pay for health care expenses, with patients negotiating directly with their physicians and their choice for the care they choose, without regard for HMO rules or a bureaucrat's decision. The incentive for the physician is that he gets paid as the service is rendered, rather than having to wait months for an HMO or insurance provider's billing cycle.
With the cash for the
Medical Savings Account (MSA) coming from pretax dollars, most Americans could afford deposits that would cover routine expenses that families experience in a year. Insurance would tend to return to its normal function of providing for large scale, unanticipated occurrences, and would become far more affordable.
... Those who favor national health care schemes should take a good, hard look at our veterans' hospitals. There is your national health care. These institutions are a national disgrace. If this is the care the government dispenses to those it honors as its most heroic and admirable citizens, why should anyone else expect to be treated any better?
He's written books on just wanting the government out of our lives. Why does regulation make for better freedom? It's not freedom, it's mandates, and telling you how you're going to be treated, and what you can get, and where you can get it from.
However, in the end even if Ron Paul is elected, people are going to have to pay CLOSE attention to who their senators are and who's sitting in the house seats - because the president himself cannot do a damned thing if the senate says No.