A Dozen Disturbing Health Care Statistics

Most people know the big number: 45 million. That’s the generally accepted tally of Americans currently without health insurance. With the prospect of a public option all but gone, it appears that any change that does occur will pretty much bring more of the status quo—meaning more numbers like these.

10 Percentage increase that most workers will pay for health insurance premiums and out-of-pocket expenses in 2010. This means that since 2001, the share that workers pay for health care will have tripled.

More than 12 Number of states where lawmakers are currently trying to pass legislation outlawing any requirement that everyone must have health insurance or be subjected to fines.

38 Percentage of unemployed Americans who are eligible and who signed up for health insurance through COBRA after Congress began subsidizing 65 percent of COBRA premiums in 2009. Before the subsidy, only 19 percent of those eligible signed up.

131 Percent that health insurance premiums have increased in the last ten years.

$6,000 Amount that one journalist who used to cover the insurance business estimates he’ll save this year by not buying health insurance.

$15,000 Amount that Medicare spent in 2006 per enrollee in McAllen, Texas, which is inexplicably nearly twice the national average.

$30,083 The estimated average that health insurance is expected to cost one family annually as soon as 2019, an increase of 166 percent from current averages.

$2,821,383 Dollar amount of health care provided free of charge recently at the Forum in Los Angeles by Remote Area Medical, a nonprofit operation that’s based in Tennessee and staffed by volunteers. During the eight-day visit to L.A. over the summer, health care workers extracted 2,274 teeth, saved 5,438 teeth, made and gave out 1,984 pairs of eyeglasses for free, and took care of 8,775 general medical visits.

$4,000,000 Amount that a typical 22-year-old worker can assume he and his employer will spend for health care and insurance over his lifetime.

9,000,000 Estimated number of self-employed workers who essentially pay a tax on insurance premiums because they are not eligible for the kinds of deductions that workers employed by big corporations get on their health insurance policies.

13,000,000 Approximate number of Americans ages 19 to 29, or roughly one-third of all in this age bracket, who do not have health insurance. This group has the highest uninsured rate, by far.

$1.1 Trillion The high end of the estimated amount (one-third to one-half of $2.2 trillion) that is spent annually in the U.S. on unnecessary medical tests, treatments, and doctors’ visits.

Related Topics: COBRA, families & children, health care, Medicare, public option, Remote Area Medical, Borrowing, Budgeting, Careers & Workplace
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  • nurse1967

    i don’t believe that universal health care is the answer, our system is broken and needs to be fixed, as a nurse i do believe that unnecessary medical test and dr. visits are a major problem, i see it every day. What is the answer to that problem? who knows..someone really needs to look at it though..I have health insurance, good insurance,,I don’t need all of it though, why don’t they make health insurance policies more like auto insurance,,for instance, I will use my self as a subject, I am a female of child bearing age, but plan to have no more children, so why do I (or my employer) have to pay for this insurance,,it should be dropped from my policy. And one more pet peeve I have is our already present government healthcare, welfare,,,,who is going to do something about this, and how much money does our country spend on these programs,,I am totally for those truly in need, but those who choose to make a way of life out of it need to be stopped,,wonder how much money we could save there.

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  • carldoty

    I commend you on citing the most troubling healthcare statistics that you could find. I also completely disagree with your implication in the first paragraph, that the reason these trends will continue is the lack of a new public option in whatever gets passed for healthcare reform. The so-called public option wouldn’t fix a single one of the problems that you highlight–all it would do is gradually shift an ever larger share of the liability for costs onto a government that can not afford the liabilities that are already on its books. Medicare is already tracking toward insolvency as is Social Security. So how can anyone in their right mind believe that shifting more costs over to the same government would solve the problem?

    There are several elements of the health reform agenda, proposed by both the left and the right, that if implemented would do a lot of good. Unfortunately, many people are fixated on the notion that new government programs are the answer to all of our problems.

    There are two fundamental truths that proponents of the public option seem to fail to recognize:

    1) COVERAGE is something entirely different than CARE. Stop confusing the two.

    2) Simply changing who pays for health care does not reform the system, it only diverts the costs in a different direction.

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  • sthrash1993

    Don’t forget the statistic of those who CHOSE NOT to have health insurance. That number would come from the group of 19-29 year olds……

  • Brad Tuttle

    That’s a very good point. I don’t know what percent of those 13 million simply choose not to buy insurance, but it’s probably a very big figure. If health insurance — even just some basic catastrophic policy — was more affordable, and easy to understand and use, and if it wasn’t necessarily tied to employment, a lot more people in this age bracket would buy policies. Not everybody, sure, but a lot more than have insurance right now. As it stands, many of these folks are basically taking a calculated risk and deciding that insurance is not worth the money.

  • mekhongkurt

    carldoty: you make some excellent points, especially your closing two.

    You’re correct that to shift the responsibility for payment from under one shell to under another doesn’t affect quality of care. I wish you had taken your argument one step further: the system — neither the insurance system nor the rendering of medical care — are working, at least not well, for a great many people.

    In short, the status quo isn’t very appetizing, either.

    Just recently, I *finally* found a place, a U.S. insurance company, that would pretty much let me customize a medical policy almost entirely. It’s relevant to mention I’m an American living in Thailand.

    Here’s what I specified:

    (1.) Treatment ONLY in Thailand, not any other country, including not in the U.S.

    (2.) $500,000 deductible. That’s not a typo. A half-a-million deductible.

    (3.) $1,000,000 maximum *lifetime* payout.

    (4.) $250,000 maximum payout per illness/injury.

    (5.) No emergency medical evacuaton, even within Thailand.

    I had to indicate my age (58) and whether or not I smoke (I do). No medical history requested. (I’ll come back to that.)

    I hit the “calculate my premium” button: $1,100. Per month. That’s right: a cool $13,200 a year for a policy I might not ever have pay out a single dollar.

    I thought that had to be an error, so re-did the entire mess several times. But the same number came up every time.

    Of course, that number was tentative; had I gone further, a medical-history questionnaire would have followed, which is fair enough, in my view. I had skin cancer (though not the baddie, melanoma) 10 years ago, and have been clear since. Even so, I wonder how much higher my premium would have been?

    I was dismayed. After all, I can pat myself on the back for saying *I* would eat the first half-million — which would take everything I could possibly get and then some. I thought — foolishly, apparently — that by trying not to be a leech I might get a fair quote.

    I’m sorry, but $1,100/month isn’t on the same page of my dictionary as “fair.”

    Now were the government to pick that up for what I could call a reasonable premium, you’re correct that there might still be quality-of-care concerns. But at least I could get into a hospital to get treated. Without that, sure, there’s no quality-of-care issue — there’s simply no care at all.

    Please understand I’m not tearing you down, simply arguing you need to go a step or two further.

  • carldoty

    mekhongkurt: Thank you for the reply. How about I take this 12 steps further? I’ve worked within–and researched from afar–the healthcare industry for the past 12-13 years. In that time, I’ve become acutely aware of all that ails the system, from insurance (a.k.a. coverage) to delivery (a.k.a. care).

    So, here’s my attempt to distill what I believe are the top 12 ideas for health reform…not surprisingly, the public option is not on this list:

    1) Provider reimbursement reform (change the way that healthcare delivery is paid for, from a volume based payment system to some kind of outcomes based payment system driven by evidence-based standards)

    2) Reform insurance underwriting (a.k.a. guarantee issue; a.k.a. prohibit exclusions due to pre-existing conditions). In essence, ensure that ever American can get basic benefits.

    3) Individual and employer mandates – In order for #2 to work, this needs to be in place. Why? Because as soon as you pass #2, you take the management of risk (that’s what insurance is) out of the equation. So, to spread to risk pool in the most equitable way, you need to require that everyone obtain coverage or risk collapse of the entire insurance system.

    4) Medical malpractice reform (a.k.a. tort reform) – docs pay WAY too much for malpractice insurance thanks to our tendency in the U.S. to sue everyone for everything. These costs are passed on to all who pay for medical services (consumers, insurers, and government)

    5) Level the playing field for individual consumers via the tax code. Today employers use pre-tax dollars to buy insurance for their employees. But consumers who buy their own have to use after-tax dollars. That’s simply not fair. Make health insurance premiums tax deductible for all. Period.

    6) Foster an open marketplace with a national health exchange. Even the liberal lion himself Teddy Kennedy advocated for this. But, it has to be coupled with what Ron Wyden (another Democrat) proposed back in 2005 and again this year – eliminate the arbitrary state regulatory boards that prevent insurance competition today in EVERY state.

    7) Get everyone who is eligible for government programs enrolled in those programs. It’s well documented that there are millions of people who are eligible for Medicaid, SCHIP, etc. who for some reason don’t enroll. EDUCATE, ENROLL, and ENGAGE these people! If you want to expand eligibility for Medicaid too…well, so be it, but you’ve got to figure out how to pay for it first.

    8) Enforce evidence-based medical standards with non-government, non-partisan board that is comprised of physicians from a cross-section of disciplines. Let doctors do the thinking and innovating when it comes to medicine! We don’t need government doing it.
    9) Provide federal grants for medical innovation. It’s hard to argue that a wise investment for tax dollars is in medical innovation to drive research for cures of horrible diseases like cancer, parkinson’s, alzheimers, etc.

    10) Get employers out of the business of selecting one-size fits all health benefits for their employee base. Let them take the same money they would pay per employee, and give it to each employee in the form of employer contributions to health savings accounts. Then, let the consumers use those dollars on a pre-tax basis to buy their own health insurance, from ANY insurer in ANY state they choose. With steps 2 & 3 in place above…you wouldn’t have to worry about pre-existing conditions. Also, with #1 and #6 we’ll have a hyper-competitive market which will keep costs and premiums in check over the long run.

    11) Make it mandatory for consumers to get complete physicals in order to obtain and keep coverage.Why? because prevention is the best medicine.

    12) Steer federal grants and scholarships for med schools toward primary care and away from specialties. Why? Because we have a drastic shortage of primary care physicians that will be a monumental problem when and if we get everyone covered.

    Most of these ideas have already been proposed…and some of them long before Mr. Obama even decided to run for president. Unfortunately, those on the far left in his party (e.g. Pelosi) want nothing less than a new public option. They want it because they know it’s a first step toward a single payer system. Isn’t it ironic that the politicians who least understand the inherent problems, are the ones that continue to try to force ideological “fixes” down our throats?

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