You might know Ben Carson as the ignorant theocratic who does not understand the Constitution of the United States or understand separation of church and state. Or you might know him as the Republican who had been challenging Donald Trump for leadership in the GOP race until it became apparent that he didn’t know a thing about foreign policy. Today we were introduced to a new Ben Carson–a doctor who doesn’t have any idea how to formulate a health care plan.
Carson tried to distract from his ignorance about other matters by introducing his health care plan (copy here). There are far more pictures than detailed policy in the pdf. There is a lot of talk about hating Obamacare and of providing a market solution–two lines which Republicans love but which don’t hold up too well if you think about them. The whole reason for Obamacare was that the market was not able to handle providing health care coverage. We wound up with perverse profit motives which led insurance companies to try to profit by denying care and eliminating coverage from those who were sicker.
Carson’s plan relies on “health empowerment accounts,” which are essentially another name for health savings accounts–which people can already purchase with high deductible plans under Obamacare (which is exactly what I have done). Except if you get rid of Obamacare, you also get rid of the preventative care covered without out of pocket expenses, the subsidies to help people afford it, coverage for young adults on their parents’ plans, and the guarantee that nobody can be denied coverage.
The biggest folly in Carson’s plan is to gradually increase the eligibility age for Medicare from 65 to 70. We should be doing the reverse–gradually lowering the eligibility age. (Or better yet, go with Bernie Sanders’ plan and offer Medicare for All right now). Our traditional private health care insurance has generally worked for the young (unless they got really sick and became as expensive to care for as the elderly). The problem has been with covering people as they get into their 40’s and 50’s and start developing more medical problems which private insurance companies would rather not deal with.
Medicare handles the chronically ill much better. Originally this problem might have been dealt with under the Affordable Care Act with either a public option modeled on Medicare or a buy in for Medicare. For the benefit of those who have forgotten the details surrounding the fight to enact the Affordable Care Act, the two most conservative Senators voting with the Democrats, Joe Lieberman and Ben Nelson, would only vote for Obamacare if these ideas were dropped, and there were no votes to spare with the Republicans one hundred percent united in voting against it.
Carson’s idea to increase the eligibility age of Medicare to 70 is awful, although that might not be the worst part of the plan. Carson also wants to replace the government Medicare plan with private insurance companies. Everyone would get a fixed contribution from the government towards purchasing a plan. Presumably if the fixed contribution is not enough to purchase an adequate plan they would be on their own (with their health empowerment plan, if there is enough there), but to conservatives that’s freedom. Medicare patient’s already have the option of a private plan instead of the government plan. We have found that it costs fourteen percent more to care for patients under the private plans than under the government plans–so much for greater efficiency in the private sector.
Brain surgery, along with rocket science, was once considered among the most difficult of intellectual pursuits. Now that America has become familiar with neurosurgeon Ben Carson, we will have to reconsider that idea.