The Alan Katz Health Care Reform Blog

Reform From One Agent's Perspective

Archive for the ‘General’ Category

Thank You and Happy New Year

Posted by Alan on December 31, 2007

My thanks to all of you who took the time to read this blog in 2007. It’s been a lot of fun creating it and I’m delighted, appreciative and, to be honest, surprised at how many folks stop by to visit.

Health care reform is an issue that generates tremendous passion — and it should. We’re not talking about what the next flavor of Ben & Jerry’s ice cream should be. This debate is about something that impacts everyone’s lives, health and financial well being. 

There’s a natural tension in debates over issues like health care reform. Reasonable people can agree to disagree on how to fix what’s wrong and how to preserve what’s working in the current system. Passionate people can lose patience with the discussion, the seemingly endless negotiations and disagreement. What’s impressed me most about the feedback I’ve received on and about this blog is how readers have engaged in civil discourse without diminishing their passion. Yes, there’s been a few comments that descended to name calling and self-righteousness, but the overwhelming majority have been as thoughtful as they were fervent.

I hope all of you keep your passion and commitment alive in the year ahead. And that you all have a healthy and happy new year.
Alan 

Posted in General | 5 Comments »

Clinton Unveils Her Health Plan

Posted by Alan on September 17, 2007

That was then. This is now.

Then was when, as first lady, Hillary Clinton led the charge for health care reform. Her proposal was so unwieldy,  politically naive and arrogantly promoted that it helped Republicans take over control of Congress for the first time in over 40 years and set back the cause of health care reform by over a decade.

Now is when, as presidential candidate, Senator Hillary Clinton needs to put that history behind her and talk to the future. Which is what she did in Iowa today, unveiling the 2007 version of her health care reform plan.

Her approach this time is to be less original, less ambitious and less arrogant. Instead her new plan shares much in common with several other proposals making the rounds — including those of her rivals for the Democratic presidential nomination. This isn’t a bad thing; quite the contrary. It not only lends her plan credibility, but it provides political cover when it comes under attack.

So, for example, she shares with Governor Bill Richardson the concept that if people are satisfied with their existing coverage, they can keep it. She borrows from both Governor Richardson and Senator Barack Obama the idea of using refundable tax credits to help lower income Americans pay for their coverage. And, like Governor Richardson and former-Senator John Edwards she incorporates the idea of a requirement that all Americans obtain health care coverage and expanding MediCare eligibility.

Like many health care reform proposals — at least Democratic reform proposals — Senator Clinton would require insurers to accept all applicants without regard to their risk profile. As previously noted, she wisely balances this with a requirement that all Americans obtain coverage. What’s unclear is how she would enforce this requirement. Poor compliance by consumers would lead to the burden Senator Clinton’s state of New York bears: average insurance premiums roughly 350 percent higher than those in California.

Senator Clinton makes a major point out of avoiding the creation of new bureaucracies (another approach she shares with Governor Richardson). However, there’s something a bit disingenuous about this claim. True, instead of creating a new government health care program she would open up the Federal Employee Health Benefit Program to all Americans. However, the expansion required of the FEHBP to manage such growth would be the actuarial equivalent of creating a new bureaucracy. But with the added downside of probably disrupting the agency’s current mission.

As with all the health care reform plans put forward by presidential candidates, Senator Clinton’s proposal is more a window into her thinking than a blue print for reform. The new president will need to work with Congress to fashion a detailed reform structure. There will be plenty of debate and shaping of ideas in that process. The outcome may resemble what’s being described today, but then again, it may not.

Yet this glimpse into the approach of Senator Clinton is illuminating. By avoiding a single payer approach she demonstrates her willingness to take on the most liberal elements of her party. By imposing requirements on both corporations and individual she invites attacks from conservatives concerning a heavy-handed government approach to health care. In short, given the context of the health care reform debate as it exists today, Senator Clinton’s package is somewhere in the middle (ok, maybe a bit left of the middle, but close enough for government work). This positioning might be expected in the general election, but its a risky move in the primaries. However, it also demonstrates that Senator Clinton learned something then and she’s applying those lessons now.

Posted in General, Health Care Reform, Healthcare Reform, Politics, Presidential Election | Tagged: , , , | 2 Comments »

Look Mom. We Made the Post-Dispatch.

Posted by Alan on September 5, 2007

The last post, which dealt with health insurance commissions, was self-serving. This one is self-aggrandizement, pure and simple.

The St. Louis Post-Dispatch ran an article listing five “health care blogs gaining notice in the virtual world.” Don’t ask me how, or why, but this lil’ ol’ blog made the list along with the likes a blog affiliated with the prestigious journal, Health Affairs. Again, I don’t know how they found this blog, but it was gratifying to be included.

While we’re in Me Generation mode, please feel free to add a link from your web site to this one. It will help this blog rank higher in Google, Yahoo, MSN, Technorati and other search engines. That means folks searching for information and insight on health care reform will more easily find the perspective reflected here.

This blog started out as an experiment to see what blogging was all about. It’s turned into a whole lot more. My thanks to all of you who found it and made us almost-but-not-really-famous — at least among the readers of the Post-Dispatch in of St. Louis.

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What This Blog Is About

Posted by Alan on January 2, 2007

Welcome to the Alan Katz Health Insurance Blog. My goal here is simply to provide a place to talk about what’s going on with health insurance and Insurance Neighborhood. And maybe a few other topics that appeal to me. 

The comments I’ll be posting here reflect my own perspective and opinions, so please don’t blame my current or former companies or colleagues. If you post a comment, I’m assuming they’ll  reflect your perspective and opinions, so I’ll do my best not to blame your current or former companies or colleagues.  Hopefully, over time, our combined comments will help make this blog a destination to hear the latest news, rumors and gossip concering health insurance.

Particularly, about California health insurance. And, to put an even finer point on it, Individual and Family health insurance (with a signifcant touch of Small Group thrown in for flavor). No doubt there’ll be comments posted here which go well beyond this relatively narrow scope, but, at least initially, that’s where the focus will be.

So please feel free to participate. Link your blog to this one. Post comments. Tell your friends. That sort of thing. Let’s see what happens.

Posted in General, Health Care Reform, Healthcare Reform | 1 Comment »