Health care Napkin 3
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The document discusses three options for reforming the US healthcare system: 1) a private insurance model where everyone must be covered regardless of pre-existing conditions; 2) a hybrid private/public model with competition between private insurers and non-profit cooperatives; and 3) a hybrid private/public option with competition between private insurers and a government-run program. Conservatives prefer no change but will accept the first option, while the White House prefers the third option but knows it won't pass. Private insurers oppose all options as each threatens their profits in different ways.
Health care Napkin 3
- 1. 2009 息 Digital Roam Inc. Dan Roam dan@danroam.com www.thebackofthenapkin.com
- 3. Today, we have a purely business-driven insurance model. Today, health care in America is a profit- oriented business where costs are mainly controlled by restrictive private insurers. 3
- 4. There are 3 options on the table: #1 is a less restrictive private model. The first option is less restrictive private insurance. Everyone must be covered by a private plan, and no one may be excluded because of pre-existing conditions. 4
- 5. #2 is private insurance (like today) in competition with co-ops. Restrictive private insurance remains for those who want it. Others must buy insurance through private, non-profit co-ops (or exchanges). 5 2009 息 Dan Roam THE BACK OF THE NAPKIN all rights reserved
- 6. #3 is private insurance competing with government-managed insurance. Restrictive private insurance remains for those who want it. Others must buy insurance through a government managed program. (Like a really big Medicare.) 6 2009 息 Dan Roam THE BACK OF THE NAPKIN all rights reserved
- 7. Who is behind each? The conservatives didnt The White House want any change, but they wanted this, but now know change is coming. knows it wont get it. 7
- 8. Which bills promote which? 8
- 9. The private insurance industry doesnt like any of these options (for good reason). Insuring everyone Competing with Government means insurers co-ops means loss prices will costs go up. of customers who undercut private can pay. prices. 9 2009 息 Dan Roam THE BACK OF THE NAPKIN all rights reserved
- 10. Insurance sees the first option as the least bad*, so theyve poured money into sinking the others. * Then again, if they play this right, they could make $trillions! 10
- 11. Coming on the 4th napkin: Business and politics aside, what do the options mean to me?