But an intelligent, pro-human solution is not in the cards. Not in bankster-owned America. Not now, anyway. Both the Democrats and Republicans are owned by the big corporate insurers that stand to make billions from the Affordable Care Act. Before the country, and eventually its political class, get real and get serious, we'll have to waste a few years on attempts at reform.
If I were advising President Obama, here's what I'd tell him to do:
Simplify the pricing structure. The current system's complexity didn't develop organically. It's a feature. Deductibles and partial co-pays are hidden extra fees, like baggage fees charged by airlines. A plan that charges $7,000 a year, but has a $3,000 deductible, should be sold as a $10,000 plan. Sticker shock is good. It encourages competition.
Price controls. Letting insurers charge whatever they want is ridiculous. The Department of Health and Human Services should set prices of everything from tests to drugs to visits to operations. They should squeeze the insurers to a reasonable, rock-bottom profit margin.
Eliminate sleazy out-of-network structures. Every plan should cover every doctor, every hospital, every drug. Americans shouldn't have to live in a world where they can get a procedure at their in-plan hospital only to be told later -- via a surprise bill -- that the anesthesiologist, who works at the hospital, isn't affiliated with it.
Suspend the stick, leave the carrot. The tax on Americans who can't afford to buy for-profit insurance is unfair and cruel to working-class Americans -- those who can least afford either the coverage or the fines.
Make it a national system. Rates vary wildly, not just between states, but even by county. We're one nation. Let's pool our resources as well as our risks. Under Obamacare as it stands, people who live in rural areas pay the highest rates -- even though average salaries are lower away from big cities.
Whether these reforms fail in Congressional debate due to insurance company lobbyists or get enacted but don't do enough to fix the system, they'll get us closer to what we really need: a single-payer system. You know, like the rest of the First World has.