Sick

I just finished reading Sick: The Untold Story of America’s Health Care Crisis—and the People Who Pay the PriceJonathan Cohn’s surprisingly balanced book about America’s health care system.  Unfortunately for Cohn I think a lot of people will confuse his book with Michael Moore’s unbalanced film Sicko, so they probably won’t bother to read it despite the painfully long sub-title that seems to be symptomatic of all non-fiction books published these days.

When I say that the book is surprisingly balanced it’s because I kind of expected it to be a screed against the evil insurance companies, pharmaceutical companies and hospitals, but in reality it provides a nice historical perspective on the development of the modern US health care industry and uses half a dozen anecdotal cases to signify how real people are affected by the system.  Where I think Cohn earns his stripes is in not laying the blame for the current health care situation at any one group’s feet, but rather pointing out how the actions of the various players (insurance companies, HMOs, government, hospitals, pharmaceutical companies) are logical given the climate in which they exist. 

Not that Cohn doesn’t have an opinion.  He thinks that the fundamental flaw with the US health care system is that it doesn’t treat health as a function of the common good.  He’s very much in favor of some form of universal health care, and he seems to favor France’s model over Canada’s, the UK’s or other industrialized nations, but he doesn’t prescribe specific plans.  Rather he points out that even though we spend 16% of our resources on health care we put too much of a burden on the poor and middle class.  He says other industrialized nations spend less and provide more coverage for all of their citizens.

Throughout the book Cohn explores both sides of the health care debate as described as universal vs. non-universal health coverage.  He acknowledges some of the free market arguments, but de-bunks many of the sound-bite arguments you hear from the non-universal crowd: long lines in Canada, lack of resources in the UK, sub-standard care.  Just as an example he points out that the UK’s problem isn’t universal care but the fact that they are trying to have universal care on the cheap.  Ends up they spend just 7% of their resources on health care.

Cohn also spends some time explaining why efforts by health care reformists have failed to get universal health care passed in the US.  Of course he focuses on Hillary Clinton’s failed efforts in the early 90s, but he also looks at earlier developments under FDR, JFK and LBJ.  In fact the story of how Medicare and Medicaid came into being is absolutely fascinating if for no other reason than to show that our current crop of politicians aren’t much different from 40 years ago. 

By the way, Cohn thinks that if things keep going the way they have been lately then health care reformers have a better shot in the near future than they’ve had in at least a generation.  Without getting too much into the details lets just say that in ’92 the average person still had adequate health coverage through their employers, but now that many middle class Americans are paying a very hefty price for their coverage AND can easily imagine themselves being devastated by a serious illness they are much more likely to support politicians who promise to take that very fundamental worry away.

There’s a lot for people to argue about in the book, but that’s what makes it a worthwhile read.  Heck, the guy provides literally dozens of pages of citations and notes at the end so you can’t say he hasn’t done his homework.   And for those who might wonder what I think it’s that I agree that we need some form of universal health care.  It fascinates me that as a society we seem to have no problem with the concept of paying taxes to fund our armed forces, our police and firefighters and our roads, but somehow it’s a problem to pay taxes to secure a basic level of health care for every citizen.  I also don’t think the system has to be 100% government administered, it can be some sort of public-private hybrid, but I do think that if we are going to continue to be the most prosperous nation in the world then we’ll need to make this change.

And here’s my own anecdotal evidence that there’s serious need for change: I have a relative who shall remain unnamed that is anything but poor or needy yet after retiring from her "career job" faced health care expenses so high that she took a retail job that paid minimum wage in order to secure health care benefits until she turned 65 and when she turned 65 she had a Medicare party. I’m told that Medicare parties are very common in her circle of friends.  So if government-provided health care is such a nightmare why are these middle and upper-middle class folks so happy to get it?

What Those Rugrats Cost You

MSN Money has an interesting table that shows the cost of raising kids in America.  What’s very interesting is that they split the table by annual income for dual-parent households (up to $39,100, from $39,100-$65,800, $65,800 and up) and single parent households (up to $39,100, and over $39,100).  You can see that expenditures for kids go up in every category (housing, food, clothing, etc.) as you move up the income scale, which I guess isn’t too surprising.

Here’s the most interesting thing to me though: at every income level the amount spend on daycare/education went down as the children got older (the tables stop at age 18 so don’t include college).  A dual earner family in the middle income bracket spent $1,380 on child care/education from ages 0-2, but only $470 from 12-14 and $810 from 15-17.  Actually the most expensive years are ages 3-5 at all the income levels.  I wonder if this might help explain why American kids’ academic performance compared to other industrialized countries deteriorates as the kids get older?

Oh, and if you’re wondering how much that average American family is spending to raise each kid here’s the numbers expressed in 2001 dollars:

  • Dual Earner Family <= $39,100: $124,800/child
  • Dual Earner Family $39,100-$65,800: $170,460/child
  • Dual Earner Family > $65,800: $249,180/child
  • Single Earner Family <= $39,100: $118,590/child
  • Single Earner Family > $39,100: $250,260/child

Should I Now Be Considered a ‘Professional’ Writer?

A while back I signed up to be included in Pluck’s Blogburst network and then forgot all about it.  Well it ends up that Reuters ran some of my posts that they found on Blogburst.  Now even though I don’t get one red cent for this I’m wondering if this makes me a "professional" writer or just another kind of "letter to the editor" writer.

BTW, here’s the stories on Reuters with the number of readers Blogburst says each one had:

It Might Be 39 Cents, Give or Take Three Dollars (90)
Upgraded Time Warner (4)
I’ve Been Living in a Cave; Check Out Nickel Creek (2)
And You Thought the Traffic Rap Was Rough (1)
Debbie’s Blog (1)
US State Departments Official Blog (1)
Was Easley’s Plea More Effective Than Praying? (1)

Talk to Me Like I’m Four Years Old

Here’s the thing about all the crappy financial news we’re reading and hearing these days: it’s complicated.  In fact I’m beginning to believe that even the people who are paid to evaluate and explain developments in the financial and economics fields don’t know what the heck is going on.  What I’d love to see is someone take all this stuff that’s apparently hurtling us towards recession and explain it in a way that a four year old or even your average forty year old could understand.  Nice, simple charts with bright colors would be nice as would real English terms for these financial vehicles. 

Could someone please come up with a nice chart to explain how these things are connected to each other?  For instance show me how Citigroup’s crappy portfolio of whatchamacallits is related to the decline in home values around the country which in turn is related to Bank of America’s purchase of Countrywide which in turn led to some schmo on Wall Street making $4 billion last year and is it a coincidence that’s the same amount of money BofA is spending for Countrywide?  And how does that result in our government promising to send many of us $800-$1,600 to salve our wounds?  And why is that not like giving free coke to a crack addict?

Like I said: bright colors, family tree-like lines connecting all the components and plain English definitions. That would be nice.

links for 2008-01-17

And I Thought Check-Raising Was Bad

I used to play in a lot of basement poker games when I lived in DC.  In fact I played in some basement tournaments that paid out very handsomely to the top two or three finishers, and as far as I know the tournaments were legal because the host kept nothing.  In fact the only game that might have been illegal was one hosted by a guy that asked everyone to ante up a couple of bucks for food and if you charge for anything like that you’re technically running an illegal game.

Luckily for me I never found out if the basement games were legal or not because none of them were ever raided.  Some poor schlubs in California weren’t so lucky as evidenced by this first person account of a raid by the San Mateo Sheriff’s department on what sounds like some pretty low-stakes poker players. 

Back in 05 there was a raid at Ham’s Restaurant over in Greensboro that maybe is a little more understandable since it was held in a public place and the prize was pretty significant ($10,000 seat in a poker tournament). Not saying I think it should have been raided since everyone involved seemed to think they were running a legal game akin to a Bingo Night, but still it’s a little easier to swallow than raiding some suburban low-stakes basement game. Unless someone’s making serious money or scamming the players I just don’t see how busting these friendly games is a good use of law enforcement resources.

Speaking of good basement poker does anyone know a nice friendly poker game in the Winston-Salem area?  I promise I won’t breath a word about it, and as my friends in VA will tell you I’m usually very popular with the other players.  In other words I suck.

links for 2008-01-16

Darwinian Gun Control

Before getting into this story I will make one admission: guns scare the crap out of me.  Here’s another admission: the idea of many of the people I see on a daily basis being entrusted with guns scares me even more. I need look no further than today’s Winston-Salem Journal to find proof that my fears are well founded:

Two men engaged in
a property dispute became involved in what Sheriff Andy Stokes called a
“face-to-face shootout” yesterday as a surveyor worked on the property.

The shooting took place on Zimmerman Road near the intersection with Burton Road, Stokes said

Joseph Reid Wilson, 53, of Lewisville and Bobby Grant Minor, 78, of Zimmerman Road were each shot twice, Stokes said…

“The shooting took place about 300 feet from the road at the disputed property line,” Stokes said.

“A fence separated
the two pieces of property. One was on one side and one was on the
other. They were about 30 feet apart when they started firing.”…

Earlier in the day, deputies went to the dispute to calm down the two men, Stokes said.

“We thought the situation had been settled, but apparently it flared back up,” Stokes said.

Wilson was shot in
his stomach and back with a .25-caliber automatic pistol, Stokes said.
Minor was shot in the right shoulder and left wrist with a 9 mm
semi-automatic pistol.

This happened in Davie County near Advance, which coincidentally is where Baptist Medical Center would like to build a new hospital.  Wonder if they might consider a trauma center now?

Whatever.  I can’t possibly imagine a situation where a sane person would get so bent out of shape that they’d engage in a firefight over some sort of property dispute.  I mean what happened to good ol’ fist fights?  Hell, what happened to litigation?  You can’t walk 10 feet around here without tripping over a lawyer so why resort to gunfighting?

You know that NRA tag line, "Guns don’t kill people, people kill people?"  Well I think we need to keep stories like this in mind when we discuss gun control, because it’s not guns that need controlling but the morons that use them. 

Now, before some of you get all mad at me for calling all gun owners morons let me say that I don’t mean that.  I mean that I wish we had a way of keeping guns out of the hands of idiots.  I know many fine, intelligent people who own guns and I’m even related to a few of them, but I’m also sure that they are far outnumbered by people whose cranium can best be described as having lights on and nobody home.  You know, the people who think Entertainment Tonight is network news, that the Dog Whisperer speaks a previously undiscovered language called Caninish and that we’re being invaded by our neighbors to the north, the Mexicans.  Letting these people have guns is like standing in the middle of the road waiting for Britney Spears to drive by on her way home from a party: it’s nuts.