Tag: George S Ledyard

The GOP Just Doesn’t Understand Health Care

George S LedyardIt is so abundantly clear that the GOP lawmakers in charge of health care reform simply do not understand the concept of risk sharing or spreading the risk. Asking that people with pre-existing conditions pay more is precisely one of the contributing factors that produced so many people with no insurance that the ACA was designed to fix.
Essentially, what the insurance companies wish to do is sell policies to people that they won’t actually use. Healthy people pay into the system month after month, year after year, and, because they are healthy, they do not use the services. It’s a highly profitable business.
However, folks with chronic health issues use health care services regularly. They require frequent doctors visits, use more expensive services, have much higher expense for meds.
The ENTIRE point of insurance is to spread the risk and the expense. If we had no insurance at all, healthy people would pay virtually nothing and then later in life or with unexpected illness would suddenly be faced with crippling medical expense. Young people would typically need little health care but without exception, they will need those services eventually. So, we are in a situation in which the Baby Boom generation, my generation, are now getting old. In May first I was enrolled in Medicare. After a very active life, I have a number of injuries which need to be addressed. Forty years of martial arts training have made me a “high mileage vehicle” so to speak.
My wife and I have paid a fortune for health insurance every month for years. Yet I have not been able to afford to have my various injuries treated due to high deductibles coupled with insufficient coverage (50% to 80% depending on the condition). And our income as a family is quite a bit greater than that of the average American.
The whole point of national health insurance policy is to have young folks and healthy people “pay it forward”. The younger, healthier segment of the population pays more for coverage than they use thereby subsidizing the folks that have reached the stage in their lives at which they will inevitably need more services. It is precisely at old age, at the retirement stage of life that people end up on fixed incomes and have the least resources to pay for their health care needs.
The right wing of the GOP seems to not understand this concept at all. They keep asking why anyone should be paying for services that they do not use? Why should men pay for women’s health services? Why should the young pay for the old? Why should folks who are healthy pay for the folks that require health care services?
This is a totally “classist” approach. It is a fact that the poor, as a direct result of their own poverty, require more health care support. Since they do not get it under our current system, their general health outcomes are far worse than the general population. GOP proposals would only make this worse.
This is quite simply an application of that Ayn Rand, radical free market, extreme individual responsibility which questions why anyone would do anything that would help anyone else? It’s a sort of radical application of extreme property rights philosophy in which asking anyone to pay anything for something they don’t themselves need is theft and a form of government interference in the rights of the individual.
In reality this is an extreme form of radical libertarian thinking that would love to see health care left 100% in the hands of the market place. Everyone would pay his own way. This would be a return to a Dickensian world in which the poor are not only denied any assistance in health care, housing, food, whatever, but they are actively penalized for being poor. Getting in debt resulted in imprisonment in the work house. It is a world in which any health crisis would simply bring ruination to a whole family. Even with the current system we have, the number one cause of personal bankruptcy is medical costs.
In this world the rich have whatever they need and everyone else is left to their own devices. This is the direction that the Freedom Caucus and the radical right of the GOP wants to take us on health care. We absolutely depend on our Democrats to remain united and hopefully join with the few non-insane, moderate Republicans left in Congress to come up with a fix for some of the issues with the ACA, rather than trashing the whole thing and setting up some libertarian free market program which will throw millions out of coverage and provide substandard coverage for most of the rest of us while the 1% gets the finest health care in the world.
Article: Republican: People With Preexisting Conditions Should Pay More

Moderates and Normalizing Trump

George S LedyardFrom Fareed Zakaria via the Washington Post
“Liberals have to avoid Trump Derangement Syndrome. If Trump pursues a policy, it cannot axiomatically be wrong, evil and dangerous. In my case, I have been pretty tough on Trump. I attacked almost every policy he proposed during the campaign. Just before the election, I called him a “cancer on American democracy” and urged voters to reject him. But they didn’t. He is now president. I believe that my job is to evaluate his policies impartially and explain why, in my view, they are wise or not.”
This is an interesting take on Donald Trump’s Presidency and I think it points out the fundamental misunderstanding of proper roles under which many establishment media folks labor.
The question is often framed this way, “Do you want America to succeed or Trump to fail” . This often comes from the folks who actually voted for Trump. But you also hear it from establishment folks who are trying to be nice. moderate, reasonable types who want to appear to be impartial, like journalists.
They mis-frame the question right at the start. It isn’t that our choice is between the country failing because the President failed or it succeeding if he succeeds. From the standpoint of any moderate citizen, right or left of center, and certainly anyone farther to the left, Trump being “successful” as President is the death of the country as we have known it. It is the undoing of ever piece of progressive social legislation since the New Deal. It is the complete dismantling of 50 years of environmental protections. It is the return to complete freedom to discriminate based on race, nationality, sexual orientation, etc. It is the end of separation of church and state.
For our country to succeed, for it to continue to progress towards a just and sustainable society, Trump must fail and fail almost completely. Fareed Zacharia’s attempt’s at being an impartial journalist actually makes him complicit in the attempts by the President and his team to manipulate public opinion and distract from the on-going daily disaster that is the Trump administration.
I have no problem with Zacharia agreeing with a Trump decision which he thinks is a correct decision. But it’s how he frames that agreement that we are talking about here. When this otherwise disastrous President bombs Syria and you start to re-characterize him as being “Presidential” you are complicit with the efforts to “normalize” him.
You want to agree with the bombing decision? Then describe it for what it was, the disastrously unqualified President listening to his advisers for once. I know that some people like Zacharia work on the principle of rewarding good behavior… If you are going to hammer the President for most of what he’s doing, then you should tell him, and the nation, when he does something right. Maybe he’s trainable and will learn, over time, to do more “right” things.
The problem is that this is a bit like saying Benito was being “Duche-like” because he got he Italian trains running on time. Every horrid dictator manages to do something positive or he doesn’t last long. But they are still what they are… terrible men.
Trump is a self admitted serial sexual assaulter who is unrepentant and publicly defends others, like Bill O’Reilly who are doing the same thing. Trump is a bigot, a racist, and a serial teller of massive untruths. His hold on reality seems so tenuous that we doubt that he even knows all the time when he is telling an untruth.
Trump is inherently, fundamentally, and absolutely incapable of being “Presidential” regardless of whether he manages to make a decision or two that resemble intelligent decision making. The absolute best that this man is capable of, given his utter lack of credentials or preparation to be in the job, is that occasionally he listens to the most qualified of his advisers (and they certainly are not all qualified themselves) and let’s them implement a good decision or two. That is not, in any dimension of reality of which I am aware, not the picture of someone who is “Presidential”.
Trump at worst is a force that could destroy this country and even the world. At best he is a reality TV card board cut out version of a President. Donald Trump and the term “Presidential” is an oxymoron. And every time a journalist even hints that Trump might be coming around and becoming more “Presidential: they are simply colluding with the KellyAnne Conway / Sean Spicer public relations spin machine’s efforts to convince the rubes that Trump is competent and knows what he’s doing.
Zacharis stated that. “If Trump pursues a policy, it cannot axiomatically be wrong, evil and dangerous.”  That is true. It is Trump himself that is axiomatically wrong, evil, dangerous and un-Presidential. Individual decisions with which we agree to do in any way shape or form change who this man is and what his overall agenda is. Attempts to frame it otherwise is a form of  “collaboration” with the enemy and people like Fareed Zacharia should expect to hear from us when they do it/
We must resist and we must never normalize.
Original opinion piece