So I was travelling down the road in my big truck and listening to 1070 on the AM dial out of LA and all day long they were repeating this story that Covered California, the state’s health insurance exchange under Obamacare, had taken down some list of insurance companies and doctors that their policies worked with because the list turned out to be bogus. I mean people signed up for the insurance, paid their premiums, and then found out the doctors listed were not approved by their insurance. But Covered California is not going to be helping them get any refunds. Well that is outright fraud.
I at one point promised to study up on Obamacare but it is just too convoluted. The good news for me is that so far I don’t seem to be affected by it, at least not directly (I don’t have to navigate the website or do anything). I still have my employer-sponsored coverage (for which I kick in a way too hefty sum) and through some odd quirk (which I need not explain here at this time) I am also on Medicare (some say I am crazy to have both — but all I know is that when I show my cards to the doctor offices it sure seems to satisfy them. I still get bills. And I do a novel thing. I pay them. I think, or I would hope, they are happy with that too).
Now I still think even with all the problems or at least purported or reported problems, Obamacare may in the long run work fine and become sacrosanct as Social Security, but I also think that it was overkill. The problem was that some people could not get insurance. So help them already. But the federal government has interfered with the marketplace for all and may have screwed things up for all in the process (and don’t I sound Republican, and I am not). And then I keep reading or hearing these stories that there are people somehow caught up in a catch 22 in which they cannot afford insurance but also are offered nothing under Obamacare — this was not supposed to happen. I know that problem supposedly has something to do with some states opting out of Obamacare or the Medicaid expansion or something (a Republican tactic to thwart Obama’s signature legislation). I really don’t care. It just sounds like an incredibly reprehensible and absurd situation that only politicians could have created.
Now I have often written that I would prefer or thought it would be better to have some kind of single-payer insurance funded by the government for everyone. It is hard to have an open market in medical coverage because it tends to lean toward monopoly and there is no realistic price setting structure. But the reality in the United States seems to be that we will continue to resist so-called “socialized medicine,” notwithstanding that many would say Obamacare is a major step towards that or is that.
The problem was that President Obama and others who wanted some type of universal coverage guaranteed by the government or provided by it could not figure out how to get it done without the help of the medical insurance establishment. The insurance establishment captured them — some politicians joined the enemy and became lobbyists for the enemy.
And that is the problem. As long as we have people trying to be representatives of the people not with the purpose of public service but instead to line their own pockets, the interest of the public at large will not be served.
I have suggested before — but have been a little hesitant, but I no longer am– that political office should not pay a salary, only a stipend. There would be a danger of paid staff filling a power void with their institutional knowledge, but the people’s representatives would have to be intelligent and vigilant people themselves who could thwart all that.
Maybe that is impractical. But when I read about the Obamacare mess as I described, I just feel like throwing up my hands or just throwing up.