I can see where you're coming from and I probably should have thought about that before posting. However, I'm fully in favor of universal healthcare as I've stated in previous posts, I'm just trying to be a realist while simultaneously trying to figure appropriate models that might work best for the states. As mentioned, we can't just mimic another country's model and expect it to work for us. We have a lot of variables going against us and trying to stamp it on 300 million people is no easy task.
I like this post. I'm going to pretend that this was addressed to me, instead of the path we went down. Here's my thought:
All countries treat their healthcare systems as a work in progress. They argue over them and they tweak them and they try to make them more efficient and effective. If we accept that it is both necessary and possible to cover everyone, even if they can't afford to pay for private insurance, then, I think, we have the philosophical basis to start figuring out how to do it. The nice thing is, the current system is so dysfunctional and unsustainable that virtually anything would be an improvement.
Without getting into the politics of what one could sell to the electorate, my blue-sky program would basically be:
1. A list of the most effective and useful procedures and medications, a la the Oregon Health Plan. All persons would have these services available to them, with small co-pays set by law, waivable in hardship cases.
2. A drug formulary, as used by the VA. Participants would purchase drugs from the government, which would bargain with the drug manufactures.
3. Generous reimbursements for primary care and preventative medicine.
4. In order to be eligible for reimbursements, health care providers would be required to implement proven methods for reducing costs and errors, such as electronic prescriptions, electronic medical records (standardized and available to all providers), and screening tests for the appropriate demographics.
5. As in the airline industry, they would be no-fault error reporting if a report is made within 10 days of the error. Those insured under the plan, if they need to sue, will be asked to submit to binding arbitration, guaranteeing a settlement in six months with no legal costs. All compensation will be paid by the government. Error management will be directed first of all at identifying and correcting systematic sources of error (there is a good discussion of this idea, and how it has been applied in anesthesia, in "Complications" by Gawande), and secondly at remediation or removal, based the nature and pattern of mistakes, and not on the harm that the mistakes caused.
As in most healthcare systems, those who could afford to pay out of pocket would be free to get whatever care they wanted from whomever they wanted. Any person in the United States would be eligible for services, and the only paperwork would be what would be necessary to minimize fraud (ie, billing imaginary people). The system would replace Medicare and Medicaid, and would be comparable to the VA, without the hellish struggle to qualify for coverage.
With the money saved by collective bargaining and the use of an evidence-based formulary, I would expand grant research, especially for "orphan" drugs and unpatentable compounds. In general, research dollars be increased and would be awarded on the basis of potential gain in mortality and morbidity from a given therapy.
At the moment, we have to use the healthcare infrastructure that exists, and that means an adjusted reimbursement model. In the medium term, one thing society should consider is whether to cut out the middle man and have a national health service. Another possibility would be to expand the use of longitudinal providers like Kaiser. That would address the negative incentive that exists in the reimbursement model to provide as many services as possible, needed or not. Another potentially good idea would be free medical education, as they have in some countries. Personally, I think specialists are overpaid and would like to see those reimbursements held to inflation while the generalists catch up. Family practice is one of the highest value-added physician positions out there, and it's ridiculous to maintain huge incentives for smart, talented people to avoid the field. But these are, as it were, tweaks. Insure everybody, push prevention, ration aggressively based on EBM, play hardball with drug companies, and let insurance companies and their 20% rake-offs go fly a kite. That would be my care plan.