[blantonl]

The problem is I don't see any "easy" solution to this issue, simply because there will always be an institution in place to decide about someone else's life our death.

Be it a privately run for profit insurance system that runs on perverse incentives, or a government agency that runs on power and influence and corruption.

[bendauphinee]

The “easy” solution is to try and remove profit as much as possible from the equation. Pretty much every other high GDP country in the world has single payer healthcare.

Guess how many people get told their anaesthesia won’t be covered for their full surgery. That shouldn’t even be a question, and yet the US system makes it one.

[Thorrez]

Two people I know who moved to the US from countries with single payer healthcare said that in their previous countries they would have to wait a long time for certain operations, but in the US can get them almost immediately.

[bendauphinee]

Depends on criticality. Yes, the US beats Canada for example on wait time in a lot of cases, however, as a Canadian I can walk into a ER and not have a co-pay.

I had my appendix out a few years ago, I walked into the ER at 2PM, had the surgery done by midnight, and was able to be discharged by 9AM the next day. The only cost was my parking, because I drove myself over. Meanwhile, I've also had friends in the US who were clearly quite ill, and made the conscious decision to not go to the ER because it would have cost them hundreds of dollars.

It's all a balance, but I'm happier with my single pay system, because for the most part, health decisions aren't at the whim of my bank balance being too low. I personally wouldn't be as disappointed in the US system, if the reason someone can get a surgery immediately didn't balance out with something like UnitedHealthcare's 32% rejection rate, because someone wanted a $10MM / yr salary or a $40MM yacht.

[Thorrez]

The US has a law that 80% or 85% of premiums needs to go to healthcare. So if an insurance company is already up against the limit, increasing the rejection rate will actually decrease salaries and yachts (because less money will be spent on healthcare, thus premiums need to be reduced, and the 20% available for employee salary becomes smaller).

https://www.cms.gov/marketplace/private-health-insurance/med...

Although, if increasing the rejection rate allows the insurance company to decrease individual premiums, which causes a lot more people to sign up for coverage due to low cost, that could increase total premium income, total spent on healthcare, and salaries.

[harimau777]

From what I understand, wait time can certainly be an issue with single payer healthcare. However, there's people in the US who have effectively infinite wait time because they can't afford treatment at all.

[ceejayoz]

I have an excellent insurance plan and ready access to a large US hospital system. The wait to see a dermatologist as a new patient is ~6 months. Definitely not unique to single-payer systems.

[alostpuppy]

Also, this wait times in many part of the US are in line with the single payer countries. The quality of care in the US is heavily dependent on location.

[contagiousflow]

Some problems in those countries are also caused by for profit healthcare existing in America. The shortage of doctors in Canada is not helped by the appeal of making much more money down south.

Not to mention Canadian expats are generally the ones who would be able to afford the American healthcare costs.

[goatlover]

Also sounds like Canada isn't paying their doctors enough, which isn't to say America's healthcare is better, but it is something to take into account.

[sudosysgen]

Canadian doctors are extremely well paid by Canadian and international standards, just not by the standards of American doctors (who have to repay massive medical debt). Increasing their wages is not really feasible, outside of a few underpaid specialties.

[wqaatwt]

Dutch and Swiss healthcare systems are entirely private (more so than in the US since there are no Medicare or Medicaid equivalents) yet they are highly regulated and profits are limited.

Why can’t the US just copy paste them? It’s not like single payer is the only option..

[Thorrez]

US health insurance is profit limited too:

https://www.cms.gov/marketplace/private-health-insurance/med...

[lr1970]

> Dutch and Swiss healthcare systems are entirely private (more so than in the US since there are no Medicare or Medicaid equivalents)

and Swiss doctors are paid very well compared to let say German ones. There is long waiting list of German doctors that would like to practice in Switzerland.

[bgnn]

Waiting time increases with accessibility and aging population. Most developed countries with universal healthcare amd the hospitals are full with elderly. The developing countries are often much better due to younger population. Places like Turkey are incredibly accessible and cheap compared to the develped countries.

[Ajedi32]

When you remove profit from the equation, you also remove the incentive to increase supply. That's fundamentally what profit is: a reward for fulfilling the needs of consumers. If you can fulfill those needs better or more efficiently or at a larger scale than your competitors, you get more profit.

[titusjohnson]

    When you remove profit from the equation, you also remove the incentive to increase supply.

Uhhh, what? What kind of wongo bongo thinking is this?

[s1artibartfast]

Would you go to work without being paid? I wouldn't.

The same is true for those working in healthcare.

United healthcare wouldn't even exist if there was a ton of people who wanted to found, fund, and work at nonprofit health insurance companies.

[gambiting]

>>Would you go to work without being paid? I wouldn't.

Do you think doctors and nurses work for free in countries with socialized healthcare?

They do get paid. A lot if you're a specialist too - it's a very lucrative field to be in. Admittedly, not for everyone - nurses and junior doctors usually don't get paid very well, but it's my understanding that in US it's not like these professions make bank either.

>>if there was a ton of people who wanted to found, fund, and work at nonprofit health insurance companies.

That's the whole point that Americans are missing - you don't need the insurance companies in the first place, if the entire system is owned by the public. You go to a hospital, you get an operation done and that's it, at no point is there anyone sitting there are processing your "claim" - if the operation is one allowed by the system(and it almost certainly is) then it's just done and the system pays for it from general taxation budget. No one negotiates rates with the hospital, argues about your excess or premiums or in or out of network coverage. Health insurance is something you get for travelling abroad, like if you have an accident while skiing and need a helicopter to get you out, not for visiting a doctor or a hospital.

[s1artibartfast]

Im responding to a comment that thinks the following is crazy and wrong.

>When you remove profit from the equation, you also remove the incentive to increase supply.

Yes, socialized system countries have doctors because they pay doctors, ensuring supply. This proves the point above.

If you pay people to do something, you get more of it.

Health insurance companies dont provide healthcare. They dont stich you up or manufacture pills. They are in the business of vetting and denying claims to ration healthcare provided by others.

>No one negotiates rates with the hospital, argues about your excess or premiums or in or out of network coverage. Health insurance is something you get for travelling abroad, like if you have an accident while skiing and need a helicopter to get you out, not for visiting a doctor or a hospital.

It works different in various socialized systems, but there is always someone negotiating with the hospital, the workers, and the manufacturers. Sometimes this is the government, sometimes it is private insurance.

I dont know which country you are talking about, but almost every country has some sort of Health Insurance. What differs is the level of involvement by the citizens in selecting it.

A classic example would be Germany, which is a multiple payer system with both government and private insurance. 85% percent of people have the government health insurance, which is paid by employers and employees and mandatory. the government manages and negotiates rates for this plan. You can opt out and get private insurance instead, and those insurers have sperate negotiations and offer different services. There is also supplemental insurance, also private, also negotiated separate.

[thegrimmest]

It’s still an insurance system though, whether it’s publicly owned or privately. There are still bureaucrats who decide what is covered and what is not, and they make that decision for the entire population. Things like cutting edge cancer treatments (often developed in the US) are many years late arriving to public healthcare systems. And many expensive treatments are simply not covered, or covered as second or third line (eg. immune therapy), when patients in the US with appropriately good insurance receive them as first line with far better outcomes.

> No one negotiates rates with the hospital

No one negotiates period. Coverage decisions are made unilaterally by government officials, and services that those officials deem too expensive are simply not offered. The same issue exists with medical equipment. The wait time for an MRI is absurd in eg. Canada because government only funded so many machines. In the states there are simply more machines, because supply was more elastic, and more freely able to meet demand.

[Ajedi32]

What other incentive is there? There might be some willing to go deep into debt in medical school so they can work for free out of the goodness of their hearts, but that's a vanishingly small number of people.

[Daishiman]

And yet apparently countries all over the world have to artificially raise the bar for med school because so many people want to be doctors for incentives aside from just the money.

[s1artibartfast]

What are you talking about? Almost every country has a doctor shortage and Doctors are still well paid professionals there.

[ChadNauseam]

> Pretty much every other high GDP country in the world has single payer healthcare.

This is just completely not true. Take France and Germany for example.

> Guess how many people get told their anaesthesia won’t be covered for their full surgery. That shouldn’t even be a question, and yet the US system makes it one.

So anesthesiologists should be able to ask for any amount their heart desires and the insurance is the bad guy if they don’t want to pay it? Anesthesiologists have a profit motive too, you know.

[bendauphinee]

> All French citizens are required to have health insurance, and there are three main health insurance funds. The funds are non-profit and negotiate with the state on healthcare funding.

> Does Germany have free public healthcare? Yes, all Germans and legal residents of Germany are entitled to free “medically necessary” public healthcare, which is funded by social security contributions. However, citizens must still have either state or private health insurance, covering at least hospital and outpatient medical treatment and pregnancy.

[ChadNauseam]

Neither of those are single-payer systems, which you can see by the fact that both of your quotations involve multiple payers. Google "does france have single payer healthcare" or "does germany have single payer healthcare" for more info

[ceejayoz]

> So anesthesiologists should be able to ask for any amount their heart desires and the insurance is the bad guy if they don’t want to pay it?

Obviously not; if they're billing 72 hours a day, that's fraud.

If my procedure goes long because of a complication, I'd still prefer they not wake me up mid-procedure for a credit card and signature.

[ChadNauseam]

Naturally they would not wake you up mid-procedure for payment, nor ask you for payment later. What anthem wanted to do was put a cap on the number of billable hours per procedure, and have anesthesiologists accept payment based on that cap as "payment in full", meaning they would not expect additional payment for the extra time they spent after a procedure went long, either from the patient or the insurerer. This would have resulted in anesthesiologists making less money (as well as having less opportunity for fraud), which is why they didn't like it.

But it was presented in popular media as if the insurance company was trying to shift the cost of overlong procedures onto the patient, rather than onto the anesthesiologists. Thankfully there was a public outcry and the anesthesiologists won, well-deservedly so considering they must be barely scraping by on a median income of $470,000/year.

[snatekay]

> What anthem wanted to do was put a cap on the number of billable hours per procedure, and have anesthesiologists accept payment based on that cap as "payment in full", meaning they would not expect additional payment for the extra time they spent after a procedure went long, either from the patient or the insurerer.

The policy even had a path for the anesthesiologist to justify the overrun so that portion could be covered too. No doubt Anthem would scrutinize the justification closely and reject cases where they detect abuse, and the incentives are for Anthem to be too strict, but there was nothing wrong with the policy on its face. These sorts of things are absolutely necessary in order to drive healthcare costs, which are absolutely obscene, down.

[SideQuark]

And pretty much every one of those countries also has widely used private insurance because the public one most definitely has price caps, longer waits, and lesser service.

No system could afford to spend unlimited amounts for anyone wanting it. You get triaged since resources are not infinite.

Pick your favorite system, say the UK, and google UK healthcare rationing to find state policy on what limits people face.

[dgroshev]

Any medical system inevitably has limits of what they can spend per patient. Do you prefer the limit to be set and enforced by the government that is amenable to political process, or anonymous profit-seeking insurance company board members, like in the sibling comment case https://news.ycombinator.com/item?id=42375998 ?

[SideQuark]

That comment was about a person on Medicare Advantage, which is extremely heavily regulated by Medicare, the epitome a of govt medically regulated cost per procedure system.

Here is the govt Medicare page about Medicare Advantage Plans, with references to all the pages of legislation and Medicare rules such plans must comply with.

https://www.medicare.gov/health-drug-plans/health-plans/your...

For example, select “What should I know about Medicare Advantage Plans?”

It states, among other things, “ Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) benefits (also called “Original Medicare”), including new benefits that come from laws or Medicare policy decisions”.

Op claims Medicare “always” provides PT, which is not true. Here’s some rules about it: https://www.healthline.com/health/medicare/does-medicare-cov...

Note in particular Medicare advantage will provide any PT where Medicare would.

If you look at peer reviewed research, MA outperforms M in outcomes and satisfaction by a slight amount.

These are reasons why forming or reinforcing beliefs on anecdotes and not understanding the truth is a bad way to make claims.

So now that you see this outcome was medical care “set and enforced by the government” and not the outcome from “anonymous profit-seeking insurance company board members,” will you redirect your outrage?

[dgroshev]

Was it a governmental agency or a private entity that denied coverage in their case?

[barbazoo]

A first step could be to look at health care outcomes across the globe and see if the ones at the top have anything in common: https://en.wikipedia.org/wiki/List_of_countries_by_quality_o...

[bgnn]

There is a huge difference between US and pretty much the rest of the world. The most corrupt healthcare system is US, hands down.