The Disparate Consensus on Health Care for All
By STEVE LOHR
Published: December 6, 2004
....among health care experts there is a surprising consensus that the United States must inevitably adopt some kind of universal coverage....
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Whatever their differences, they do agree that moving toward universal coverage would surely save lives and maybe dollars as well. A report this year by the Institute of Medicine of the National Academy of Sciences found that the uninsured are sick more often than the insured and likely to die younger, resulting in an estimated 18,000 additional deaths a year.
The uninsured receive medical care, but often when it is most expensive - acute care at hospitals after emergencies instead of regular checkups and other preventive care. And the uninsured pay only 35 percent of their own medical bills, according to the Institute of Medicine report. Most of the rest is paid by taxpayers through subsidies to hospitals and clinics.
Any plan for universal coverage must answer at least three basic questions: Will the move to national coverage follow an incremental, step-by-step path or require drastic change? What role will the government play? What should be covered under a universal system?...
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The Bush administration and conservatives say the way to cover the uninsured is to make insurance affordable mainly through tax subsidies for companies, especially small businesses, and encouraging them to offer high-deductible insurance plans that cost employers less. Individuals, under this approach, are encouraged to set up tax-free health savings accounts to pay for more of their own care....
http://www.nytimes.com/2004/12/06/business/businessspecial2/06universal.html