Business Coalition for Single Payer Healthcare
The complete solution to health care, Now!
Can you still afford to
provide quality health
insurance for all of
Employers and employees across the nation are hard pressed to continue paying the escalating costs of insurance premiums and healthcare costs. A business coalition has been formed to respond to this critical issue. All business leaders are welcome to join.
Single-payer healthcare is simple. It's really Medicare-for-all. You get sick, you get care and the caregiver gets paid. Simple works, and simple doesn't break.
The fact is, for the same amount of dollars we are paying to cover 85% of the population poorly, we could cover everybody with a first-class system. Yes, Medicare is more costly today because it covers only the people the for-profit industry doesn't want; seniors and end-of-lifers. But fold in the younger generations and the average is less than it is with other systems.
This one risk pool replaces the estimated 1500 existing, costly, bureaucratic medical insurance policies that account for 31% in waste, so the industry will fight it. Get used to it.
Don't be misled.
The term "healthcare reform" is being used and misused by everybody, especially by the for-profit interests that want to keep their profits high at the expense of a system that is broken and inefficient, and even by the presidential candidates that want to obscure their programs.
Universal health care can mean anything from a doctor in every home --to-- mandated and expensive insurance policies for everybody. Thus a lot of fancy names are being bandied about.
Health insurers' success depends upon charging for goods and services that are not delivered. The more they can charge and the less they can deliver, the better off they are. They are unbelievably well off precisely because they charge so much and deliver so little. Why is it so hard for Americans (uniquely in our civilized world) to understand that this is not (but in fact the opposite of) a model of success for consumers? Those are not only free market rules they're breaking, but also ones of common human decency.
R. Sawyer Spoon
Small business owner
Rather than eliminating the 31% of bureaucratic waste that the insurance industry created and enjoys, they want to reassign it to somebody that has less clout than businesses; your employees.
This is not in the best interest of the public, the nation's economy or your employees who will be using even more of their annual income for healthcare costs.
The Business Coalition doesn't want to simply change the 'free market' system, we want to replace it with one that works. We want to eliminate the 31% of bureaucratic waste, not just move it elsewhere. We'll use the 31% savings to offset the coverage of the currently uninsured and to expand Medicare benefits for all citizens, and spend it instead on doctors and nurses and hospitals.
And we'll do it without any additional cost to the public.
The costly middlemen -- the nation's 1500 for-profit insurance companies and the costs of thousands of extra hospital and clinic clerks needed to support them -- will be sidelined. The attorneys that deal with the bankruptcies caused by exorbitant health care expenses -- over half of all personal bankruptcies -- will have to find their clients elsewhere. Hospitals and physicians that now must shift costs because of bad debt, will be freed of this burden.
"America will always do the right thing, but only after failing at everything else."
We will ultimately fix the system, and we will ultimately get to the best solution: to improve and expand what has always been known as the most efficient medical system in the United States, Medicare. But it must be improved and expanded to provide more of our healthcare needs, and it must be non-profit on the administrative side in order to control costs.
An Improved Medicare-for-all system would be a windfall for both patients and businesses alike.
This website will help business leaders find a real solution to the healthcare crisis and to cease paying the 10-15% of wages you are currently spending on healthcare.
If you think it is better to keep wasting 31% of your healthcare costs on insurance companies and HMO's and allowing them to continue controlling our healthcare system, rather than expanding our own national healthcare system called Medicare, a system that we control with our votes, this web site is not for you.
But if you agree that Medicare has been the government's most successful public-private venture ever -- and you prefer reducing your costs to 3.3% of wages* and caring for all of our population -- stick around.
There is a solution, but it requires business leaders to think creatively about bottom-line opportunities. Medicare is not perfect and certainly needs changes in itself. But the private system is much more wasteful. Applying the needed changes can more easily be done to one nationwide system than to 1500 different insurance companies.
It is true that Medicare is (currently) more expensive on a per-patient basis, because it covers the most expensive of patients, the elderly, disabled and end-of-life patients. All the patients the for-profits will not cover.
Expanding it to include the younger generation will redistribute the costs to a larger (single) risk pool -- all 300 million of us -- and it will allow for more services to 100% of the citizenry for the same 16% of GDP it is costing us today.
An Improved Medicare-for-all system provides business with many benefits:
- It reduces labor costs by 10-12% (a 3.3% additional tax on wages* versus today's 10-15% of wages for medical insurance).
- It reduces liability and auto insurance costs.
- It reduces worker compensation costs, likely by half.
- It eliminates health benefits management costs and yearly insurance company and labor contract negotiations for health care.
- It creates healthier personnel and more employee stability, reduces absenteeism, and eliminates employer health system complaints.
- It reduces the need for part-timers, and provides easier recruiting (no pre-existing disease or COBRA issues).
- It eliminates employee health-related debt and personal bankruptcies.
- It will expand the U.S. economy and business climate by freeing up family income to purchase new products and services.
But let's destroy one major myth:
Medicare-for-all is not socialized medicine, as are the VA, Bethesda Naval Hospital and other armed forces health care systems. It is a single payer system like today's Medicare, without wait times or rationing. You go to the same hospital and see the same physicians as you did before, or go to new ones if you choose. The doctors remain private and are paid under today's guaranteed, fee-for-service programs, thus eliminating bad debt and cost shifting.
It's simple: you get sick, you get care, and the caregiver gets paid. Usually within 15 days. There are no pre-existing diseases or exclusions, or cherry-picking or lemon drops. We'll fold in Medicaid and other state healthcare services, and eliminate the needless ER visits as well.
Any of the current non-profit insurance companies can competitively bid on the management of the system (as they now do for Medicare in all of our states).
The current bureaucracy needed to support the private insurance system consumes roughly 31% of health care dollars to cover non-healthcare administration costs (marketing, broker commissions, high executive salaries, high lobbying and campaign contribution expenses, gatekeepers that deny care, actuarial costs, and high shareholder profits). All of these unnecessary costs are added to the system costs and passed on to employers.
They will be gone.
Join us in fixing the system today.
* This is a 3.3% additional tax on wages, bringing the total to 4.75%.