Our healthcare system is the most expensive in the world and it is badly broken. Most of the current proposals for fixing it include maintaining a large role for the health insurance industry. Including the insurance industry guarantees that these proposals will not provide affordable, high-quality healthcare for all Americans.
The insurance industry is in the business of making money, in part, by avoiding coverage for the people most likely to need it, by avoiding payment of claims and by passing along ever-increasing healthcare costs to patients and employers. Healthcare dollars spent on the insurance industry go to people who are neither preventing nor curing illness.
A different solution is necessary: a universal, single-payer healthcare system.
It's called "single-payer" healthcare because one organization makes all the payments to the private healthcare professionals and institutions that you, the patient, choose to use.
It's "universal" because it covers everyone.
By eliminating the duplication, paperwork, overhead, advertising, profits and excessive executive salaries of the insurance industry, and by negotiating lower drug prices with the drug industry, we can eliminate 15 to 30% of current healthcare spending.
Traditional Medicare, itself a single-payer system, spends only about 3% on these overhead costs. H.R. 676, the single-payer healthcare bill now before Congress, is also known as "Expanded and Improved Medicare for All Act ".
H.R. 676 provides for single-payer health insurance for all U.S. residents. It covers all medically necessary care, including: primary care and prevention; inpatient, outpatient, and emergency care; prescription drugs; durable medical equipment; long term care; dental, vision, and hearing care; mental health services; substance abuse treatment; and chiropractic services.
In addition to covering all US residents, this bill seeks to improve the current Medicare program by closing the infamous "donut hole," negotiating lower drug prices with the pharmaceutical companies, and replacing all premiums, deductibles, and co-pays with a with a 3.3% payroll tax on employees and a 4.5% payroll tax on employers, a modest (one quarter of one percent) tax on stock and bond transactions, and a supplemental tax on our wealthiest Americans.
The Western PA Coalition for Single-Payer Healthcare is working to educate the public about