Tag: faux populism

The problem with Medicare for all who want it

Well, there’s more than one problem since real ‘everyone’ creates more efficiencies that ‘some subset of everyone’ fail to create. But the biggest problem is that ‘all who want it’ is a false alternative to employer provided healthcare just like the ACA marketplace options creates an illusion of choice for anyone who doesn’t qualify for a subsidy.

My employer pays a lot of money for my health insurance plan. Like 14,000$ a lot. I pay another 3k. If the ‘all who want it’ platform wins and opens Medicare enrollment to everyone, do I want it? I can take my three grand and look at Medicare, just like I could take my three grand and look at the 750$ a month plans on the marketplace. Oh, or the 1000$ a month plan. My cheapest ACA option was six grand a year more than I’m paying today. And when the company increases their contribution next year and therefore doesn’t increase our salary? I still get nothing, even though they’re not paying anything for my insurance.

So am I a “who want it”? Either the Medicare plan — health insurance, emergency, and prescription drugs — is going to cost less than three grand {and my employer still gets to pocket fourteen grand and call my raise an increase in their contribution to healthcare premiums} or I have the “choice” of paying thousands more for my healthcare. I’d happily pay a couple hundred bucks extra for better insurance. I’d happily take the seventeen grand that’s being paid for my healthcare today and buy a Medicare plan. But there’s no way Medicare is going to compete with employer subsidized coverage.

And I think the “all who want it” proponents know this — set the Medicare for All system up for failure, and the for-profit insurance industry can continue unchanged.