The meeting will be divided into four segments:
Controlling costs – introduced by the President
Insurance reforms – introduced by Secretary Sebelius
Reducing the deficit – introduced by the Vice President
Expanding coverage – introduced by the President
This is part two, which should be focussed on insurance reform. . . part one’s liveblog can be found here.
12:11 – Republican Charles Boustany says the we all agree that we need insurance reform the question is how to do it. Boustany say exchanges will be overly restrictive. Also wants big health saving accounts. He says Republican solution to pre-existing conditions is risk pools and re-insurance. “This is not the answer”
12:19 – Democrat George Miller says there is some agreement on insurance reforms. Points out a Democrat believe preventive care should not have co-pays. Says the real failing of the Republican alternative is that there is no banning deny because of pre-existing condition. With all his health problems Miller says he he would be dead in today’s market. Calls the high risk pool a trap you can’t get out of.
12:25 – Republican John McCain decides to attack the process. He points out that Obama failed to live up to his promise of putting negotiations on C-Span and let the bill get filled with back room deals. One highlights is the Medicare Advantage curve out of Florida seniors.
McCain goes straight after the PhRMA deal. (possibly the most corrupt part of the entire health care bill and the negotiations.) He is angry that drug re-importation he supported and Obama claimed to support was kept out as part off a buy off for the PhRMA lobby.
12:30 – Obama tells McCain that the campaign is over. (Is that meant to be the justication for breaking many of his campaign promise on health care?)
12:33 – HHS Secretary Kathleen Sebelius says an insurance commissioner she ran a high risk pool in Kansas. She says they simply don’t work very well and are very expensive.
12:38 – Republican Eric Cantor claims his problem is that the bill would have the government define a minimum benefit requirement for insurance. To find agreement Democrats need to set this whole bill aside.
12:44 – Obama “we could probably set up a system were food is cheaper if we eliminated meat inspectors.” In every aspect of our lives we makes some consumer protections. Obama points out Republicans have agreed to some insurance regulation so he wants them to talk about specifically what regulations.
Obama claims the two ways to deal with pre-existing conditions is exchange pooling and high risk pool. (Not true. It is called single payer. It is cheaper, better, used all over the world.)
12:50 – Cantor we can not afford this. In “a perfect world everyone can have everything they want.” (Actually most first world countries give everyone health care and it cost about 40% less than American health care.)
12:53 – Democrat Louise Slaughter says pre-existing condition most go. Woman pay over 40% more for health care than man. She rips Paul Ryan’s terrible plan to turn Medicare into a voucher program.
12:57 – They break until 1:45 so House members can vote and lunch.



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This voodoo about raising costs while failing to talk about the increase in benefits is so freaking annoying.
It is the answer to junk insurance.
Obama keeps trying to go back to “what can we agree upon”
Republicans owned the WH, the House and the Senate for six years. Where were they with all of these proposals then? Where were they?
HSA’s? Yeah, like people in a nation with 25 million unemployed have money to save for insurance.
Republicans keep telling the American people how they feel and think
I wonder where I would have gotten the $100,000+ for breast cancer care when my health savings account went bust. Oh that’s right we did spend 30 years purchasing a house. Guess we’re supposed to put our house in the health savings account.
The republicans like to hear themselves talk more than the democrats do. I wish they would shutup and get to work. THeatrics all of it.
My wrapup on the morning:
http://seminal.firedoglake.com/diary/31732
filibluster
McCain- I get what we are supposed to talk about, but I am going to talk about something else. Oh! And you dammed kids get the frack off my lawn!!
Why, exactly, isn’t someone in the room asking the obvious question:
“Shouldn’t the American people be allowed access to the same health coverage that we, as legislators, receive? If not, why not?”
Anyone who asks that question gets the “Balls of the Day” award.
Wanna hear the room go silent? That, I’m guessing, would be a way to accomplish that feat.
Thanks, Jason. Will read while they’re eating. I think I’ll go run my errands now, while John’s drooling. Blech.
thanks Jason
mccain’s campaign speech is 2 years too late. dude, campaign’s over: you lost.
what a bitter old twat.
Not McCain, oh brother! He needs health insurance and he’s got it and we pay for it. Please can I just call in there and tell them that. I don’t have insurance even though I took care of all those folks while I couldn’t afford my copay or my deductible.
We all know healthcare got out of line, so why is this important. Obama needs to interupt.
McCain telling the American people what they think again. Hope someone is counting how many times the Republicans are telling the American people what they think.
Senator McCain where were you when the Republicans had control? Where was the health care reform then?
Republicans keep telling Americans they want to go back to the beginning. Would that be over a hundred years ago? Where is that beginning?
Obama to McCain “the election is over” “we are supposed to be talking about insurance” “how can we get a bill done”
McCain “the American people care about how we get it done”
Obama to McCain “the election is over” That will be the line repeated over and over again on the news tonight
lol
McCain blathers on
Actually Obama did say that the legislature is covered by the taxpayers.
Wait. Republicans can think?
I don’t think he’s been paying close attention
I don’t know why the republicans keep saying we don’t want insurance. I want the public options.
hehehehe
Obama calls him on it
HAHAH! “let me remind you we’re not campaigning anymore.”
HAHAHAHAHA, ZING!
McCain: “treat all Americans the same.” That would be single payer.
Yes, tee hee. Glad I stayed to hear that. John is such an embarrassment.
In passing. Let’s see the direct question thrown out into the room.
So hey. Got balls, anyone?
When those damned kids are running around on your lawn, it can be distracting…
I have to give to Obama, he nailed McCain.
I listen to CSPAN almost 24/7 and I’ve listened carefully the last 10 years. I NEVER hear Republicans have any concern for an individual. Listen to them. It’s always big business, disguised in their talking points as small businesses. They just can’t help themselves. It’s never about the little guy – it’s always the bad unions, the bad lawyers (as if they don’t all have their own) and any kind of consumer protections.
Who is Marsha Blackburn???
Marsha Blackburn…
I think the main issue of For Profit Insurance is being tiptoed around in sickening fashion here. If these companies are not accountable to shareholders and profitsharing and executive bonus pools we don’t have to shoulder the cost of this reform. If our healthcare providers were willing to accept a smaller profit margin – not no profit, just SMALLER profits – we could readily cover the cost of comprehensive reform and coverage for all Americans. This is just sick. And now Sebelius is talking about just this, kinda.
agreed, I am sick of the republicans and their unfettered capitalism while they are robbing the middle class of jobs. I heard one the other day say, I don’t know why the middle class needs their own house, it ties them down and they can’t go to where the work is. So I guess these republicans would like us all to be migrant workers??
lookit McCain hitting Obama from the left.
And then Obama dodges a worthwhile question.
Obama looks a bit pissed. How many times can he keep sticking his hand out to have it spit in?
McCain just spit a hocker in Obama’s hand.
In sports remember when some losing team members would spit in their hands right before you had to go through the line to shake their hands. I witnessed one young woman spitting a hocker in her hand before shaking. That is what McCain just did
a nit wit. a real nit wit
Good thing McCain canceled that PhRMA fundraiser he had at noon today:
http://www.politico.com/blogs/glennthrush/0210/GOP_Memo_66_Senate_fundraisers_in_54_days.html
what an ass
Cantor brings props
Look, Cantor is hiding in his HCR binder fort.
“Allegedly wronged”?1?
obama just looked like he wanted to strangle cantor.
Thanks I had been lead to believe she was a democrat. I am finding lots of folks that were suppose to be democrats but were really closet republicans who set forth to wreck the democrats.
Cantor really reminds me of one of those guys who gets a woman pregnant and then says “I did not do it” He wants the American public to forget the destructive policies of the Bush administration and the Republicans rubber stamping of all of those destructive policies.
Thank goodness for DNA.
Cantor “we all care about health care reform” Where the hell were these Republicans with their plans when they had the reins?
I wish someone had the balls to just step up and say – pandering to the American people at large – “We need government subsidized health care that costs every American family roughly $5000 a year. That’s it. Everyone gets equal coverage and there are no exemptions for preexisting conditions.” That would get some attention.
I wanted to hear Obama’s answer to McCain’s points.
Its one of the questions I’d ask him myself.
That campaign zinger was a low blow.
Obama’s smart enough that the blowback from that comment would be far less than a truthful answer about the pharma and reimportation deals.
Cantor, you tool, Washington often decides standards! Are you going to argue we should not have work safety rules? Food and Drug safety standards? Environmental standards? Oh, wait, yes you are.
Well said.
McCain’s being disingenuous overall, but let’s face it, the Pharma deal is like a bucketful of acid eating through the hull of reform.
At this stage, I’d be happier with just drug re-importation; they can keep this corporatist piece of horseshit Senate bill. I can guarantee that the middle class would see a far greater benefit from drug re-imp. than it would from any of the outlays for Medicaid. Basically, by taking a bunch of poor folk off insurance companies’ tab (through the extension of Medicaid), the insurance companies get a ton of healthy (read: cost-free) clients–31 million of them; they get all the benefits, none of the pain. Middle class folks get absolutely nothing from this bill.
There’s some PPV action…
Cantor – we don’t like you mandating essential benefits because then we would have to pay for it.
Where was Cantor when they passed the tax cuts for the rich folks and the Bush administration costly wars? He sure did not care about cost then
The hypocrisy is astounding
Prez calls out Cantor’s props – even before he spoke – saying HC is complicated.
Says here’s an example – food and drug prices could be cheaper without inspectors, but we have bipartisan support for those.
Put money on it Cantor will start telling the American people what they think
Yea! Good point Mr. President! Regulations are good for people, and while they raise prices they produce a better overall outcome!
And nice smackdown on the props.
Cantor has a deer-in-the-headlights look. And the props? Gimme a fuckin’ break, please…
Cantor visibly shrinks
There are bookmakers in Vegas that won’t touch that bet. It’s a damn guarantee!
Prez says you guys already said you approve of regulation; you guys just said can’t drop pre-existing etc. So let’s talk about which regulations you don’t like.
Obama “Americans who thought they had insurance, and then have insurance companies drop them” Man oh man I have met hundreds of our seniors in these nursing homes the last several years that I have been in with my father who were dropped because of one reason or another
You can bet the legislature wants their health insurance regulated because they want the cadillac plan and its free for them because we pay for it.
Cantor visibly shrinks
Very enjoyable, alright…
I think we should call him blow-fish Cantor. He puffs up to look bigger than he is all the time, but he is really just a little fish that is scared to death.
That is the Republicans theme song today and will continue until the legislation is passed. Telling the American people what they think
Prez reminds congresspeeps you guys have low rates because of insurance pooling. Sebelius earlier spoke against high-risk groups vs pooling with healthy peeps.
I thought I was an American People. That’s not what I think.
“We just can’t afford this…” Well, except for the $100B savings, of course. Call him out, Prez.
Cantor really rattled: “We have a very difficult bridge to gap here . . .”
Cantor back on mandates (everyone in one pool) – we can’t afford that.
Cantor saying we can’t afford it. Aren’t we still one of the top three economies in the world?
We can’t afford it….. well lets start cancelling his policy first to save money.
Blow-Fish Cantor does not seem to understand that covering everyone, like all the other industrialized nations do, is cheaper than what we have today. He does not get that single payer is a hell of lot cheaper.
Go back to your fort, Blow-Fish.
Ding!
Prez says that cost is legit discussion. Cantor upset Secy would define basic care. Prez says only in exchange.
Cantor “we can not afford this”
Where was this guy when the Bush administration was starting wars that was going to cost the American people billions into the trillions?
Cantor is a sleaze. He keeps trying to tell the American people to move on forget the last eight years.
He does not get that single payer is a hell of lot cheaper.
There ya go again with that fuzzy math…
Cantor: “We have a difficult bridge to gap here.”
Out of the mouths of
babesdudes. . . .listen up. McCain, McConnell, McCain…they are telling you what you think. Listen up
Cantor, in particular, has a very particular and amplified sleaze factor goin’ on. He just makes my skin crawl…
family violence is a pre-existing condition in 8 states??? OMG!!
I work with statistics, I just can’t help myself….
In the words of Brian and Stewie from Family Guy…
“You mean Germany is manufacturing weapons of mass destruction and we’re not invading them? What the hell, man?”
“Maybe it’s because they don’t have any OIL.”
End this Kabuki now. Fling the whole 2000 page health insurance bill in the trash. Take a single piece of paper and write “Health Care For All” on it.
Now, where’s my fee?
It is his hair interacting with his accent, I think.
Who is this woman talking now. She is good!
Kinda makes you want to throw up, doesn’t it? Health care is truly the biggest racket in the history of this country. Maybe we should try them all under RICO laws…
Ok, I know that republicans are always on message and all, but this constant refrain of ‘setting the bill aside’ is getting so tiresome.
Maybe a de-arithmetic-izing, 12-step program might help?
Yes that would expand the pool and also lower cost. Or they could get rid of their plan and join the one they are suggesting for us.The problem here is there is no LEADERSHIP at this meeting and that goes for Obama who promised us Change.
CHANGE= Single Payer or at least a Public Option
That’s scary. How did he get that by the Secret Service?
Rep. Louise Slaughter – discrimin against women – prices, testing, etc. Solved by legislation. Also, our manufac goods not competitive. Also, seen hospitals dump patients on the street, excess deaths from no health care. Is this America? We have lost our edge.
Completely OT – I’m watching CSPAN2 right now and they’re showing footage from the British House of Commons yesterday. These guys are yelling at eachother and booing and cheering. It’s great! Why can’t our government do that?
House has a vote – back at 1:45.
They’re only yelling and booing because crowbars, tire-irons and fisticuffs were banned in the house…
Always interesting to see who huddles up when the meetings break.
This isn’t even faux kabuki.
“Tne campaign’s over, John”
“I’m reminded of that every day.”
Exchange of the day.
They’re arguing about cancer treatment guarantees being added to the nation health service. And the Prime Minister is yelling at the conservative party who seems to be against it. It’s like an episode of Jerry Springer. It’s fantastic.
Howard Fineman at Newsweek “The Ice Man Cometh”
“The blizzard had paralyzed Washington. So it was an apt day for a chat (by phone) with Sen. Mitch McConnell, the Kentucky Republican who is working successfully—yet with surprisingly little personal notoriety—to bury the Barack Obama presidency in an unplowed cul-de-sac called the U.S. Senate. As the GOP leader there, McConnell strands Democrats in snowdrifts of parliamentary procedure and nasty talking points. “We are not just reflexively looking for areas where there will be no progress,” he assured me. Having spent many years listening to McConnell, I can translate: he is reflexively looking for areas where there will be no progress.”
Howard Fineman … “he (McConnell) is relexively looking for areas where there will be no progress.”
Health care reform is clearly one of those areas. Along with everything else
The idea that Insurance Companies are a necessary evil for the USA health care system is a joke.
The BABY BOOMERS are going to destroy the current corrupt health care system. Why? the current system can not be sustain.
At the end of day single payer will rule
where did John “bipartisan” McCain go?
Oh yeah! I’m British and have seen it many times. Same in Australia, they hurl insults at each other, I recall the Prime Minister of Oz calling a parliamentarian a “scumbag”, it’s a HOOT!
But who is going to lead the revolution that it will take to bring about that type of change? We don’t have anyone in politics with enough balls to bring about comprehensive reform.
not a flame, just a question.
do you own a car?
do you own a cell phone?
do you have cable TV?
Do you live on your own?
It is sort of tough to put into perpsective what “cannot afford” means in regards to health insurance. It might just be a question of your priorities and your perceived risk.
But generally I find it hard to believe that unless you live in the Northeast or California that your premiums are so high that someone who earns a wage that puts him above medicaid realyl cannot afford health care premiums, especially if you can afford the things I have listed above.
The reason I take those areas out is their state regulations make them extremely expensive places to buy insurance. Trust me, I have lived in many states,a dn many countries, and have seen the difference in premiums in each.
And HSA’s can be bought that cover 100% after the high deductable. That is the general idea of HSA’s…you cover the bills that you can handle, and it kicks in at the catastrophic level.
The risk of a policyholder incurring at least $1000 in health care costs in a year is probably about 50%…but I am pretty sure the number goes down to 5% once you get to $5000 a year, and probably well under 1% at $10,000. If people paid their own way on the little stuff (because if a $5,000 bill is leading to personal bankruptcy, those people were actually bankrupt before that) the costs would come down.
I have not been listening to the hearings. I saw just the first couple of minutes. For me, seeing the faces of Obama, Biden, Pelosi, Reid, Hoyer, and Dodd, forget about the Republicans, was the very essence of why nothing worthwhile ever gets done in Washington. These guys could not organize a one car parade without burining the town down.
I note that almost no mention seems to have been made about Medicare in the comments. The largest chunk of government spending cuts (~$400 billion) are supposed to come from Medicare and Medicaid, but mostly Medicare. Slashing Medicare is an unstated goal of this whole healthcare debate.
I have to say, Obama is not doing as well for himself this time.
He dodged McCain’s good question, then zinged him hard….which doesn’t make either left or right happy.
He’s letting them bring up the whole cost will go up for 8 million thing over and over instead of just slamming an anser into em and saying look that’s the deal as I just said everytime they brought it back up.
He kinda did, but then he kept answering it over and over.
That Slaughter lady was great, she knew what/why and why not. SHe was the one with the answers.
Edge? Cantor? WTF?
This is complete nonsensical bullsh*t!
Isn’t Single Payer the answer to this debate? Things we can agree on?
Singling out women as the most expensive is unfair
Singling out the poor (read: Black and Brown) is unfair
39% increases in fees even when you turned a profit
The only answer is Single Payer Health Care.
This is clearly a ploy to make the Republicans look bad, HELLO look at any public poll, they already look bad! (32% approval rating)
This clearly shows the lack of political will to do the right thing. Remaking “1/6″ of the economy is only a minor bump in the road. The great Wall St. Robbery already remade the economy and looks what’s been done to be prevent another one from happening?
Some of these people are honestly interested in doing the right thing, the rest of them need to be identified and suitable replacement lawmaker should be put in their place.
Re-start any talk of Single Payer at the State level.
I hope Obama keeps putting his hand out. And Republicans keep spitting in it. Which is basically spitting on the uninsured.
The Republicans look like a bunch of rich, frozen, rigid, terrified old white men (well Cantor not so old). They are losing power. Keep thinking about Lamar Alexander telling Obama he should “renounce reconciliation.” The method that Republicans have used 16 of the 22 times that reconciliation has been used over the last is it 25 years?
He had to go to the batroom. He has a problem with his prostate.
Dunno, I was listening on da radio. Hard to see what’s goin’ on. *g*
My four person family income last year was $33,938. I live in California with my wife and 2 daughters, 4 and 8. My wife is a full time student and I worked full time. My employer would have charged my roughly $1060 per month to insure my family. The state of California was kind enough to provide no cost healthcare for my children because my family is below the poverty line, but myself and my wife were not covered because we exceeded the income limit.
Now tell me how someone with a health care cost of $5000 per person per year (just taking into account me and my wife) on a $34000 a year pre-tax income is supposed to avoid bankruptcy? We CAN’T. My wife and I went without any type of coverage. We had to. Its a fire-trucking impossibility to buy health insurance for us, and our elected officials need to recognize it.
What are you talking about, hello, most of your lawmakers are BABY BOOMERS!
They hated (still hate?) Gen X, don’t understand Gen Y and forget those under 21 currently.
They got theirs, their motto is GO GET YOURS and you know what?
Its time I got mine, exit one American to Europe.
The Rethugs haven’t done themselves any favours today.
Bet that’s covered by his insurance…
thanks so much for this liveblog. I am at work and do not have a tube. We are a small business and have dial-up internet. I cannot stream the health summit with dial up. So I am so grateful to have this blog. thanks. wendyc.
Are we sheep to be sheared by the greedy CEO’s, Physicians, and Dee Cee propagandists? Baaa…Baaa…
I hope your in favor of SB 810, Mark Reno’s push (yet again) to make California the first state with Single Payer Health Insurance.
In our current socio-economic and political climate, that’s acceptable. Apparently.
Of course I am. And I voted for Obama with the hope that he would force that through congress nationally. I can’t trust the Governator and his wife Skeletor to let that happen here at the state level. Thought I could trust Obama, though…
The story about the woman wearing her dead sister’s teeth was good.
Dood,
that person doesn’t care about any person other than him and is not capable of undestanding that Medical Insurance as a means of gaining access to Health Care is destroying our economy.
Right on, Hugh! That’s a question I want an answer to – how do the Medicare cuts NOT affect the Medicare recipients? Where are the cuts coming from?
Another question I would like answered – Isn’t the mandate against the consitution? And if it isn’t, it sure as hell should be. Feudalism should be against the constitution. An American citizen should never be forced to buy something from a private provider.
I swear they are showing us the shiny thing to look at again, while the dirty stuff slips in under the rug.
How much have they spent on lobbying?????
They tried to justify it in front of the California legislators and they weren’t buying it.
They got a big lump of coal coming.
Mortgage or rent payment
Car payment
Utilities
Credit card bills
Student loan payments
Food
Hey, you might even have kids, add in those expenses
Taxes
25% of current mortgages are now underwater
15 million unemployed, 40% for more than 6 months; 25 million un- or under employed; 2-3 million more no longer tracked, assumed to have left the work force entirely
so fear of job and home loss,
and you think people can just cough up thousands of dollars extra a year for premiums, high deductibles, and copays? Be realistic.
Thank you.
What your seeing is a Congress and Government that is used to not being held accountable 5 mins after they say or do something. They believe a majority of the population is not paying attention, the problem is the part of the population that IS paying attention is extremely loud…
You know, I just don’t TRUST the republicans with my healthcare or social security and I never will. If I could just get Obama to stand with his middleclass constituents I would be happy. He seems to be going to let the rethugs get what they want instead of what we want.
MSNBC has Howard Dean on…
I also like what she said a Lee Iacocca. When will the republicans and the dumbed down masses understand that. People just don’t realize that the republicans want finance to be our source of income, not manufacturing.
I would not trust Obama with my Social Security either.
What’s even funnier the Reagan Administration just gave them money and did nothing about the fundamental causes of Chrysler’s problems (Health Care, $1000 per car).
Well, if I had to choose between John Boehner and Barack Obama with my social security I would choose Obama at least for the next two years.
Yeah, the Reagan administration, the great GOD of the republican party……pleeese!
Raygun got us in debt just like BUsh did, always fighting wars so their corporate friends in the oil business and military machine.
Oh my, why do we have to keep bringing up the prior mistakes. Lets move on! I don’t care what was done just what they are going to do.
Rethug credo:
“If you’re not part of the solution there’s a lot of money to be made by prolonging the problem.”
Our elected representatives, on both sides of the aisle, DO recognize it — they just don’t care.
The REAL problem is that they are correct.
excellent !
ain’t that the truth
Reagan was far worse. The number I saw was that the public debt increased 189% (that is, it nearly TRIPLED) during Reagan’s 8 years.
oh FFS
Andrea and Tweety gushing about Obama v McCain
they can’t get any deeper than that.
Elliott, if you’re here. I’m looking for Jason’s Seminal wrap-up, but can’t find it.
here demi
I get so tired of hearing them quote Ronald Reagan. I lived thru his crap and was soooo broke. His trickle down was only a spickett up.
I will NOT forget it took a democrat to balance the budget after Raygun/Bush.
Liveblog Part the Third opens
the BABY BOOMers are going to absorb more health care resources than the current USA Health Systems has and can handle.
Our current Health Care system is not sustain able.
Single Payer or some other govt option is the only solution to the future of USA health care.
I just love how Fox only interviews hardcore republicans on the street.
Not to mention the fact that as a country, we were almost never aware of the homeless until Reagan invented homelessness.
Howdy Pups!!!
Just getting rolling on this out here on the Left Coast, got a good update on the morning session from Jason’s update, scanning Jon Walker’s threads, and of course, the BEST snarky review from YOU people in the comments!!!
Great work one and all!!!! *G*
Only noticed a couple of trollers, weak one’s at that, handled well as usual by the Regular Pups At Hand.
So, the afternoon session has started, I’m poppin corn, and I’ve a bottle of Makers Mark I’m eyeing (it’s only 11am!!!!) and fearful it could be drained within 15 minutes if the word game revolves on ‘bipartisanship’!!!
I may have to hide the whiskey and get out the cranberry juice if I want to be upright by noon!!!
On with the dogs AND the ponies!!! As a Pup said earlier, who KNEW we can haz both!!!
Great snark Pups, thanks for the cheap but quality entertainment!!!
*narrowseyesonCSPAN3screen*
I’d like to see a summit of health insurers and ordinary Americans. Take the politicians out of the equation.
That meeting wouldn’t last long, over in about a minute and a half, tops.
What, and deprive a politician of a chance to tell
us what is best for us?
Stop segregating people on the basis of their health.
Bill has LiveBlog Part 3 up
Then I really have to admit, in that situation health insurance sadly is unaffordable for you. I empathize.
But you have gone without insurance, so you paid your own bills…and what were your yearly bills.
Look I am a cancer survivor who still chooses a high deductible HSA. even with the cancer follow up treatment my yearly bills are about $1200, and for the rest of my wife it is about $500 and for my daughter (also 4) it is about $200….I do earn well above the poverty line, so I chose the highest deductible I could get for a much lower premium. I can cover my family for catastrophic care and everything above my deductable for much less than $5k a year per person, but I can also handle the deductible.
I really hope your wife comes out of her studies with a well paying job, and you are better able to provide the coverage you would hope for for all of you. But to be honest, given your situation, not insuring, and anticipating bankruptcy might make the msot financial sense. that isn’t necessarily a bad thing, because at $34k, you probably aren’t building up a lot of savings anyway.
Again, none of this is meant as a flame…it is just often I hear people tell me they can’t afford insurance and I see them driving a late model care, owning a home, having cable TV and the like, and I think it is just a question of priorities. But clearly not in your case.
how can single payer handle it if the current system can’t?
Either you are talking triage, or forever deficit spending?
The best way to counter the cost associated with the baby boom would be another baby boom….