The Real Story On The Uninsured
- From: jose el fontanero <josefsoplar@xxxxxxxxx>
- Date: Wed, 2 Sep 2009 14:54:43 -0700 (PDT)
The Real Story On The Uninsured
Posted August 31st, 2009 at 1.56pm in Health Care.
You hear or read the number all the time. The New York Times
breathlessly reports there are 46 million uninsured Americans and
President Barack Obama routinely asserts the same number. The Census
Bureau estimates, however, do not tell the entire story. The uninsured
are a diverse and dynamic population, and the higher frequency of
coverage loss is not only a function of the recession, but of the
flaws inherent in the health insurance markets, namely the inability
of individuals and families to secure and maintain personal and
portable coverage. Data released by the Agency for Healthcare Research
and Quality (AHRQ) and Centers for Disease Control and Prevention
(CDC) enables taxpayers to drill deeper into the problem.
■According to AHRQ’s The Uninsured in American, 1996-2008: Estimates
for the U.S. Civilian Nonstitutionalized Population under Age 65
(Statistical Brief #259) the number of non-elderly individuals for the
full year in 2007 was 39.9 million.
■That 39.9 million includes 5.9 million children (see Statistical
Brief #259) who are either in families wealthy enough to afford health
insurance or are already eligible for Medicaid or the State Children’s
Health Insurance Program (SCHIP).
■That 34 million uninsured number includes 12 million illegal aliens s
who the proponents of H.R. 3200 swear up and down will not receive a
single dime of taxpayer assistance through the legislation.
■Most of those who are uninsured become insured. As most health policy
analysts know, the insurance market is unstable; it is constantly
churning with people going in and out of coverage. According to the
CDC’s Summary Health Statistics for the U.S. Population National
Health Interview Survey (CDC, Table 25), nearly one quarter of
currently uninsured individuals was due to change in employment. And
according to AHRQ’s The Long-Term Uninsured in America, 2004-2007:
Estimates for the U. S. Civilian Nonstitutionalized Population under
Age 65 (Statistical Brief #258) 55% of individuals ages 18-24 were
uninsured for at least 1 month in the period 2006-07, but only 18
percent were uninsured over a two year period and only 11 percent were
uninsured over the entire four year period.
The AHRQ data reaffirms there are gaps in coverage. There is nothing
new here; it is the problem that conservative health policy analysts
have been trying to address for the last two decades. It is a
structural problem in the insurance markets. While the millions who
lose and gain coverage- the source of middle class anxiety- is not
much different now than it was in the last ten years or more, it is
well to remember that the number of Americans who are poor, sick, and
uninsured for a lengthy period is a relatively small number, about 4
million individuals. This is problem is not hard to resolve.
What Congress should focus on, then, is how to make health insurance
personal and portable; something moderates and conservatives in
Congress, based on their own legislative proposals, know exactly how
to do. Instead what we are getting is just an acceleration of the
already fast tracked government control of health care.
Take the SCHIP data from AHRQ. There were 5.9 million uninsured
children in 1999. In 2007, there were still 5.9 million uninsured
children (Statistical Brief #259). Public coverage went up, and
private coverage went down; but overall, coverage remained the same.
Consider that the cumulative cost of SCHIP and increased Medicaid
enrollment of children has exceeded $100 billion. The data suggests
that much of this spending has simply substituted taxpayer dollars for
private dollars. It’s called crowd out, and it is profoundly
irresponsible public policy. For every two dollars of spending, you
get a $1 worth of coverage. This is likely to be repeated if Congress
enacts the same, tired, old formula: expansion of public programs.
Neither the Administration nor Congress has yet to explain how much of
the $1.2 trillion in new spending under the House legislation will go
to simply replacing private spending with taxpayer dollars.
.
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