Big Steve:
The number I hear a lot is 40 million who don't have health insurance (they used to call it medical insurance). With roughly 300 million of us, that comes to just under 15%.
Lost in all this talk is what we expect someone to pay. We want the best, and we want somebody else to pay for it. Nice to only have to pay $20 for an office visit or $5 co-pay for a script. But does that cover it all? No it doesn't.
BTW, Insurance (any type) is defined as a social mechanism to transfer risk. Risk of what? In most cases, a big number you can't handle. Most of us accept maintenance expenses on our cars for tires, oil changes, etc. and insure against the big loss of a wreck or worse, damage we cause that results in big liability claims what would wipe us out. But when it comes to health care, somehow we expect all the maintenance stuff to be paid for by our insurance....or the government. See above.
Lost in all the government options is the fact that the government doesn't have any money. They have the ability to tax or borrow (some say print, but that is also borrowing). In every case they have tried it, they have failed. Medicare and Medicad are bankrupting the country. I don't know anybody who looks to the VA as a model of what to do....(not a knock on the folks who work for the VA....just the system they are forced to work under).
First place to cut health care costs is to realize what insurance is and insure against some catastrophic loss that would bankrupt us if it happened. Pay for the office visits and scripts out of pocket to a point. Believe it or not, high deductables are your friend. Otherwise, you are just making transfer payments. You pay the insurance company and they pay the doc.....if you get sick. If not, they keep the money. Much better for you to fund a health insurance account that pays those up to a certain level and if you don't get sick, you skip payments and keep the rest. When the payments reach a certain amount, deductables kick in.
Next step is to severely curtail medical malpractice claims. Ever wonder how much liability there is out there? Imagine going into business making and selling smoked sausage to your friends. Not giving it away....but selling it......just to cover your costs. Imagine what would happen if even one person eating that stuff got sick. You didn't intend to, but it happened. Pretty good chance you would be completely wiped out. That risk even applies to medical professionals who render first aid. I've watched docs step away when a person gets hurt at social events due to the liability exposure. States have had to pass "Good Samaritan" laws to slow down (not prevent......you can still be sued) lawsuits to docs and even common folks who try to help but end up doing more harm than good. Let the peers in the profession deal with mistakes and keep the lawyers out of it. If the docs are really bad, pull their license. No golden ticket for lucky guy who got sick (or his lawyer who took 50% off the top) but problem solved.
Again, lots of ways to fix things.....other than what is being proposed....which we may find out is NOT what it's being made out to be.