Many people seem to think that our health care system is at or near a state of crisis. I certainly hope that it is. Yes, you read that right. I hope that our health care system is at a state of crisis. You see, not everyone uses it this way, but if you look up the word
crisis, you'll see that it's a turning point, a last point at which change can be effected. I hope we are at a crisis, because the alternative is that we've already passed it, and there is no way to salvage things.
There are a great many things wrong with health care, as it stands right now. Most of those things started out with good intentions, but as is often the case, they got out of hand, or had unintended consequences. Over time, however, these things have added up, and we now have a system which is in many ways collapsing under its own weight. The government, of course, wants to fix things. They always want to fix things, and yet, they never actually succeed in those endeavors. The reason for this, of course, is that government, by it's very nature, always attempts to fix things by asserting greater control, which is a lot like trying to protect fine china by packing it in a box full or rocks.
Now, I could talk about incremental steps, or ways to modify the current system, but I won't. Instead, I'm going to go ahead and be radical. America didn't grow from a backwater colony into a world superpower by being timid about new ideas. And if we truly are in a crisis, then the time is ripe for a radical solution. So, I'm going to describe a health care system which I believe could work, could service more people than our current system does, offer better health care to nearly everyone than they currently receive, and cost less. But it does it by getting government and bureaucracy out of the way, and requiring all of us to be more responsible for our own selves. It is important to understand, too, that many of the items I am about to describe cannot stand on their own. These items are interwoven into a system together, and shoe-horning them into our current system would likely to more harm, than good.
- Redefine Malpractice. Our current laws make it very risky to practice medicine. Many physicians pay more for malpractice insurance than they do for the payroll of their entire office staff. As patients, we need to understand, and more importantly, accept that doctors are still human. They make mistakes. Malpractice should only apply to a handful or circumstances, specifically:
- When someone claims greater medical knowledge or training than they actually have. For example, a nurse claiming to be a doctor, or an eye doctor offering heart surgery.
- When action is taken without apprising the patient of the potential risks involved in the procedure.
- Remove medical licensing. Yes, really. In many cases, a nurse is just as good as - possibly even better than - a doctor. When was the last time you saw an MD put stitches into someone? Especially for common injuries - sprains, lacerations, torn muscles - I'd honestly rather see an experienced nurse than a the resident-level doctor I'm likely to get if I show up in the ER. Note the strict dependence here on the definition of malpractice, above. I'm happy to see an experienced nurse. But a nurse can't claim to be a doctor, and if you want to insist on a doctor, by all means, you have the right to insist. And likely pay quite a bit more for their time, in the process.
- Legalize the production, sale, and use of all drugs, subject to tort liability for lack of disclosure about side effects. This is almost a corollary of removing medical licensing, as it does you no good to see a nurse who can correctly diagnose strep, if you still have to see a doctor to get a prescription for the antibiotics.
- Eliminate Medicare/Medicaid through a gradual process. It would be unethical and inappropriate to remove these programs from those who have retired or otherwise planned their living arrangements on the basis of the continuation of necessary medical care from these programs, so simply striking them isn't a realistic option, but stop adding people to the rolls of the eligible, and allow the program to shrivel over time.
- Establish a tax credit system whereby anyone paying for the medical care of another person, including non-dependent relatives, but excluding legal dependents, may claim such payments against their taxes at an initial rate of one half the amount paid. If I pay $100 for my neighbor's broken leg to be put in a cast, I can claim a $50 credit towards my taxes. Doctors and other medical providers may make this claim for any patients they treat who are unable to pay, but only after a 1 year deferment period to allow the patient time to pay (or find a donor willing to pay for them to claim the credit). The exact rate can later be adjusted to accommodate a greater or lesser number of people unable to afford their own care. This helps provide a source of funding for medical care for those who cannot provide their own, as well as giving physicians a certain level of comfort that they will be able to cover their expenses even when patients are unable to pay.
Now, I'm obviously over-simplifying the system as a whole. Nothing like this could be laid out in full detail in a simple blog posting. And it's undeniably radical. The conservatives won't like it, because it legalizes drugs, and disenfranchises the medical monopoly of the AMA. The liberals won't like it because it seeks to end entitlement programs. To me, that's encouraging, because anything that neither of our current parties in power likes is probably a good thing. But ultimately, it empowers the individual - to choose the level of expertise they pay for when seeking medical care; to choose the medications they take, with or without the advice of a doctor; to choose the amount they wish to help their neighbors. I don't see how that's a bad thing, for anyone except those too lazy to think about such important decisions.