Healthcare Reform
List and briefly describe 3 of the recommendations for health care reform made by experts
The Annals of Internal Medicine suggests one way to enable more uninsured Americans to afford health insurance is to explore the use of new "revenue sources, including but not limited to savings from capping the tax exclusion of employer-based health insurance, taxing tobacco, and redirecting existing health resources [which] should be mobilized to ensure coverage for all Americans" (Arrow et al. 2009).
To create a larger risk pool and to offset rising healthcare costs, the Annals recommends creating state or regional insurance exchanges to pool risk. "Exchanges in which insurance companies offer a standard benefits package with guaranteed issue, portability, and renewability and no exclusions for preexisting conditions can expand the offerings to small groups and persons at lower rates. Along with mandatory coverage for standard benefits, the exchanges must implement risk-adjusted payments to minimize adverse selection" (Arrow et al. 2009).
The Annals also says there is a need to "establish a securely funded, independent agency to sponsor and evaluate research on the comparative effectiveness of
2009). This agency would not simply approve medications and treatments like the FDA, but would engage in comparisons of efficacy. This would reduce costs by demonstrating what treatments are worthwhile. It would also help patients who struggle to obtain coverage for procedures but are rejected by their insurance companies who claim the treatment is not cost-effective.
Discuss how President Obama's new health care reform legislation fits (or does not fit) with the recommendations
The most notable aspect of the Affordable Care Act is the requirement that all citizens (with some exceptions and stipulations) purchase healthcare insurance. "Exemptions will be granted for financial hardship, religious objections, American Indians, those without coverage for less than three months, undocumented immigrants, incarcerated individuals, those for whom the lowest cost plan option exceeds…
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