Sen. Edward Kennedy never had to worry about getting quality healthcare, but he spent much of his career seeking to guarantee that all Americans had that same access to health services he had. “Every American should be able to get the same treatment that U.S. senators are entitled to,” he wrote in Newsweek last month. “This is the cause of my life.”
Here are highlights of his health policy milestones:

Ìý–1962: Edward M. Kennedy is elected to the Senate from Massachusetts to fill the seat left by his brother, John, who had been elected president in 1960.
Ìý –1966: After a trip to the Columbia Point Health Center in Boston, which provided health care to low-income residents, the first-term senator introduces and helps pass legislation that adds $51 million to the Economic Opportunity Act for a national system of community health centers.
–1971: Kennedy becomes chairman of the Senate Health subcommittee and begins his long campaign for national health insurance.
— 1971: On Jan. 5, Kennedy co-sponsors a bill calling for a significant increase in funding for cancer research – providing a total of $1.2 billion over three years to the National Cancer Institute, more than what was proposed by the Nixon administration. A modified version of the bill is enacted Dec. 23, 1971.
–1971: Kennedy offers his national health-insurance plan. The “Health Security Act” calls for a universal single-payer plan financed through payroll taxes.
With support from organized labor and senior citizens, Kennedy holds hearings around the country and releases his report, “The Health Care Crisis in America,” which aims to garner support for his national insurance plan. President Richard M. Nixon, concerned about Democrats gaining advantages from the issue and a possible Kennedy campaign for president, later offers his own version of a bill, the National Health Insurance Partnership Act. It preserves private insurance but requires businesses to provide coverage to employees or make payments to a government-run fund. It also endorses the concept of health maintenance organizations.
“It’s really a partnership between the administration and insurance companies,” Kennedy says of the Nixon health plan. “It’s not a partnership between patients and doctors of this nation.” But Kennedy’s efforts on health insurance were pushed to the backburner by public concerns about the Vietnam War and later the Watergate scandal.
–1972: Working with other members of the Senate Select Committee on Nutrition and Human Needs, Kennedy helps secure authorization for a two-year pilot project for the Special Supplemental Nutrition Program for Women, Infants and Children, which provides food and health benefits to poor women who are pregnant and their children up to five years of age. In 1974 Kennedy fights to expand the program, and it is permanently authorized by the legislation.
–1973: Under pressure from doctors and other groups, the Nixon administration backs away from its proposal to expand HMO services, but Kennedy moves ahead on the issue. He sponsors the HMO Act of 1973, which is revised several times before it is eventually signed into law Dec. 29, 1973. The bill authorizes the spending of $375 million over five years to evaluate HMOs and requires employers with more than 25 employees to provide them with the option of a federally certified HMO where available. It also prevents states from restricting doctors who want to join HMOs.
–1973: Kennedy puts up “intense opposition” to the appointment of Caspar Weinberger as secretary of health education and welfare, according to a biography by Adam Clymer, a former New York Times reporter. Kennedy and other senators voice doubts about whether Weinberger can serve the interests of the poor, older Americans and uneducated people, but Weinberger is confirmed.

–1974: Kennedy teams up with Rep. Wilbur Mills, D-Ark., the head of the House Ways and Means Committee, to propose a compulsory national health insurance plan to be paid for by payroll taxes and general revenues. Kennedy’s aides secretly meet with Nixon administration officials but Kennedy and Nixon never agreed on a compromise. The Democrats’ plan is opposed by the American Medical Association and other groups. Kennedy tries unsuccessfully to revive the effort after Nixon resigns. Years later, Kennedy tells the Boston Globe that he may have missed an opportunity by not working closer with Nixon to find a consensus. Perhaps, he says, “We should have jumped on that.”
–1976: Although Democratic presidential candidate Jimmy Carter campaigns on the promise of a national health insurance program, Kennedy criticizes him for “intentionally [having] made his position on some issues indefinite and imprecise.”

–1977: Carter, concerned about the strength of the economy, moves away from national health insurance and proposes measures to contain expenses, such as hospital cost control. This prompts Kennedy in May at a United Auto Workers conference to lambast Carter for not setting a timetable to establish his health insurance program – a promise Carter made on the campaign trail. “Health reform is in danger of becoming the missing promise in the administration’s plans,” Kennedy says.
–1979: In March, Carter proposes phasing in a national health program, which he says will cost $10 billion to $15 billion, beginning in 1983. Kennedy quickly opposes the plan, calling Carter’s approach to health reform “piecemeal.” The administration shoots back that Kennedy’s proposal for a complete national health plan is too expensive. Kennedy later credits this disagreement as one of the influences on his decision to challenge Carter for the Democratic nomination for the president in 1980.
–1986: As part of what Kennedy calls “a fairly small step” to extend coverage to the country’s uninsured, he introduces legislation requiring employers to allow employees and others who lose group health coverage to purchase their employer-based insurance at their own expense for a fixed time period. It passes as part of the 1985 budget reconciliation bill. On April 7, President Ronald Reagan signs the Consolidated Omnibus Budget Reconciliation Act or COBRA, which was adopted as the name for Kennedy’s program.
–1987: Kennedy becomes the chairman of the Senate’s Labor and Human Resources Committee (later known as the Health, Education, Labor and Pensions Committee).

–1990: As chief co-sponsor, Kennedy joins forces with with Sen. Tom Harkin, D-Iowa, to drive the passage of the Americans with Disabilities Act, prohibiting discrimination based on disability.
–1990: Joined by Elizabeth Taylor, Kennedy and Sen. Orrin Hatch, R-Utah, hold a press conference on March 6 introducing a bill that eventually would be known as the Ryan White Comprehensive AIDS Resources Emergency (CARE) Act to provide federal grants to improve care for individuals and families hit by HIV and AIDS. The measure passes later in the year and is signed by President George H.W. Bush on Aug. 18.
–1992: Kennedy co-sponsors the Mammography Quality Standards Act, which seeks to ensure that all women have access to quality mammography by dealing with issues at screening facilities, including lack of oversight, inferior equipment and poorly trained staff. The law, which has been reauthorized several times, requires all facilities to be inspected, accredited by an FDA-approved group and certified by the FDA or the state.
–1996: Together with Sen. Nancy Landon Kassebaum, R-Kan., Kennedy co-sponsors the Health Insurance Portability and Accountability Act (HIPAA) to protect workers and their families who change jobs or lose employer-based health insurance from being locked out of health coverage or forced to wait for coverage due to pre-existing medical conditions. It also prohibits insurance from being cancelled because of illness. Also, for what the bill is now most well-known, HIPAA establishes provisions on medical confidentiality. President Bill Clinton signs the bill into law on Aug. 21, 1996.
–1997: Kennedy and Hatch announce plans to provide health insurance for millions of uninsured children through the State Children’s Health Insurance Program (SCHIP) and fund the program through an increase in cigarette taxes. Hatch says, “Some have referred to us as the odd couple of the United States Senate. I like to think of us as the dynamic duo.”
The legislation, although initially a victim to budget rules, passes and is signed by Clinton in August as part of the Balanced Budget Act. It provides money to the states to pay for health coverage for children who do not qualify for Medicaid but whose families cannot afford private insurance. Kennedy calls it “the most far-reaching step that Congress has ever taken to help the nation’s children, and the most far-reaching advance in health care since the enactment of Medicare and Medicaid a generation ago.”

–1998: Kennedy is one of 31 co-sponsors for the Patient Bill of Rights. Although this measure is not the first such bill to be introduced, it becomes the leading vehicle to address public anger toward managed care practices. The legislation aims to protect patients who are members of managed care plans from, among other things, being denied care for the purposes of cost-containment. It also opens the door for patients who are injured as the result of being denied care to sue health plans in state courts.
Later, a more sweeping measure advanced by Rep. Charles Norwood, R-Ga., a retired dentist, passes the House, but Senate GOP leaders hold off Democratic efforts to bring up the bill in that chamber before the close of the 105th Congress. In 1999, the Republican-controlled Senate approves a scaled-back measure while the House, in November, approves a Democratic-backed version. In 2000, after six months of House-Senate negotiations, the conference committee is unable to reach a final agreement.
–2001: Kennedy together with Sens. John McCain, R-Ariz., and John Edwards, D-N.C., introduce the Bipartisan Patient Protection Act, giving patients the right to sue health plans in state courts based on denied care. Although President George W. Bush vows to veto the bill, it passes the Senate 59-36 in June.
The House passes a modified GOP-backed measure that allows employers to protect themselves from liability, the result of a closed-door compromise made between Bush and Norwood, a long-time patients’ bill of rights leader. The compromise, Kennedy said, ”makes [the patients’ bill of] rights unenforceable.” Adding ”a right without a remedy is not an effective right.” A Senate-House conference never convenes to work out differences between the two chambers. Kennedy and the bill’s other primary sponsors continue attempts to reach agreement with the administration, but abandon these negotiations in 2002.
–August 2001: Kennedy and Hatch introduce the Rare Diseases Act. The legislation increases funding for the NIH Office of Rare Diseases and expands its work. It later splits into two different acts–the Rare Diseases Act and the Rare Diseases Orphan Product Development Act–which are signed into law by Bush in November 2002.

–2003: Kennedy backs Bush’s 2003 plan to add a prescription benefit to Medicare that came with a $400 billion price tag spread out over 10 years. But when Kennedy learns that the Medicare Prescription Drug and Modernization Act of 2003 would, for the first time, allow private HMOs to compete with Medicare for patients, Kennedy works to amend the bill, criticizing the proposal for Medicare competition as “an untried, untested, unworkable program.” His efforts ultimately prove futile and he opposes the final bill. The Medicare Prescription Drug and Modernization Act of 2003 passes Congress and is signed into law by Bush on Dec. 8, 2003.
Later, in an interview with the Boston Globe, Bill Novelli, chief executive of the AARP, which broke with Kennedy, a longtime ally, to endorse the Republican-backed bill, credits the prescription drug benefit to Kennedy. “I think the lesson he learned from the Nixon era is a lesson that history teaches us: You should not let the perfect be the enemy of the good,” he says. “The Medicare Modernization Act was certainly not perfect, but the idea was, get it done and improve it over the coming years.”
–2006: Kennedy and Sen. Charles Grassley, R-Iowa, secure passage of the Family Opportunity Act, which expands Medicaid coverage for children with special needs even if their parents earn more than the usual limit.

–2006: Kennedy, and Sen. Pete Domenici, R-N.M., work with mental health advocates, private insurers and industry on legislation to require private insurers to offer mental health benefits equivalent to traditional health benefits. The bill builds on 1996 legislation seeking to end restrictions on mental health coverage. The Senate approves the bill in September 2007 and the House in March 2008. After negotiations between the Senate and House, language supporting the combined plan is written into law as part of the economic stimulus bill. The effective date for most health plans to make the change is Jan. 1, 2010.
–May 20, 2008: Kennedy is diagnosed with a malignant glioma, a common, highly lethal form of brain tumor. He undergoes surgery and other treatments.
–July 9, 2008: Just a month after undergoing surgery for brain cancer, Kennedy makes a surprise appearance in the Senate, which gives Democrats enough votes to prevent a Republican filibuster that would have cut Medicare fees to doctors. “We got this victory because of Ted,” Sen. Max Baucus, D-Mont., tells the Los Angeles Times. The bill passes later that month after the Senate overrides President Bush’s veto.

Ìý— 2008: Kennedy, weakened by cancer treatment, addresses the Democratic National Convention in Denver Aug. 25, pushing the party to continue his efforts on reform. “For me this is a season of hope — new hope for a justice and fair prosperity for the many, and not just for the few — new hope,” he says. “And this is the cause of my life — new hope that we will break the old gridlock and guarantee that every American — north, south, east, west, young, old — will have decent, quality health care as a fundamental right and not a privilege.”
–2009: On June 9, Kennedy submits the Affordable Health Choices Act, and although Kennedy is sidelined fighting his cancer and not able to participate, the measure passes in his Senate Health, Education, Labor and Pensions Committee as part of the larger Capitol Hill effort on health reform. However, the Senate Finance Committee is expected to significantly alter the bill. In July, Kennedy, along with long-time speechwriter and friend Robert Shrum, published an article in outlining his personal and political experiences with health issues over the years and describing his vision for reform.Ìý He wrote: “For four decades I have carried this cause-from the floor of the United States Senate to every part of this country. It has never been merely a question of policy; it goes to the heart of my belief in a just society.”
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<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=20839&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>People who buy their own health insurance report the most recent rate increase requests have averaged 20 percent, according to the released Monday by the Kaiser Family Foundation. (KHN is a part of the foundation.)
The foundation surveyed just over 1,000 people who don’t get insurance from their employer, finding that 77 percent reported an increase with their current or previous insurer. Most paid the increase.Ìý But 16 percent switched to less expensive plans, either to one offered by their insurer or to one from a different insurer. As a result of those who switched, the average increase for all respondents was 13 percent.
More than half said they thought it would be difficult to switch insurers, often because they or someone in their family had a medical condition. Current law allows insurers to reject applicants with medical conditions on the individual market, a practice that will be barred under the new health reform law starting in 2014.
The foundation conducted the survey “to get a more scientific picture of what is happening,” Drew Altman, president and CEO of the foundation said in a press briefing. “The increases people are being hit with are truly really big increases.”
Insurers Blame Rising Medical Costs
More than 14 million Americans buy their own insurance in the individual market, generally because their jobs don’t provide coverage. Insurers say increases are being driven in part by large increases in the amounts they are paying for medical care.
“We’re seeing price increases of 40 percent to 50 percent from some hospitals across the country,” says AHIP spokesman Robert Zirkelbach. “Data show that premium increases are being driven by the soaring cost of medical care and younger, healthier people choosing to drop their coverage during an economic slowdown.”
Tracking premium increases among individual purchasers is difficult: States vary widely in how they collect and report increases, insurers offer many types of policies and premium increases are based on many variables, many of them policyholder-specific, such as age.Ìý Actuaries also expect higher medical claims the longer a person holds a policy, and premium increases sometimes reflect that.
Other surveys, including data from the lobbying group Ìýand insurance sales website , show the average cost of premiums, but don’t ask about increases.
The foundation survey asked respondents about the most recent rate increase sought by their insurer; the vast majority of requests occurred since March 2009. The survey has a margin of error of plus or minus four percentage points and was taken between March 19 and April 2. It comes as attention is focused on premium increases and the Obama administration’s efforts to implement provisions of the health overhaul law passed in March.
Other findings include:
— More than half of respondents reported being the only ones on the policy. Their averageÌý annual premium isÌý $3,606. A separate survey of employers conducted last year by the foundation showed employer coverage for single workers averaged $4,824, possibly because the benefits are richer.
— Family coverage averages $7,102 annually among those responding to the survey. That’s less than employer coverage for families, which averaged $13,375 in 2009, according to the separate foundation survey of employers.
— Respondents with single coverage, purchased on their own, reported their annual deductible averaged $2,498; family plans averaged $5,149. Twenty-six percent reported an annual deductible of $5,000 or more.
Zirkelbach says it’s hard to tell if the foundation survey accurately reflects premium increases because it asked for the “most recent,” rather than those covering a specific year.Ìý He says “individual coverage continues to be an affordable option for people who don’t have employer coverage.”
Policy analysts say some aspects of the new law could slow premium growth, while others might increase it.
The law does not grant federal authority to reject premium increases. It does, however, call for insurers to justify any deemed “unreasonable.” RegulationsÌý that would define unreasonable are being developed. Federal regulators, working with the states, can also recommend barring insurers with a history of unreasonable increases from the new marketplaces for insurance sales, called exchanges, which are set to open in 2014.
New Law Affects Premiums
Premiums could be affected by other provisions in the law, such as one barring insurers from charging higher premiums based on a person’s health, a rule that begins in 2014. That could mean lower premiums for those with health problems, but higher rates for those who are younger or healthier.Ìý
Insurers must also spend at least 80 percent of their premium revenue on direct medical care for individual policyholders – or pay rebates, starting next year.Ìý Rules about what counts as medical care are still being developed. The requirement could shed more light on what insurers pay out – and how much they keep for administrative costs and profits.
Insurers have warned that some of the immediate effects of the law – such as barring them from rejecting children under 19 for coverage and allowing some young adults to stay on their parents’ policies until age 26 – could add to premium inflation in the short term.
Shane Perrault, a psychologist with a private practice in Silver Spring, Md.,Ìý says he hopes the net result is to slow premium increases overall.
Ìý“The rates go up and up and you just don’t get much for it,” Perrault, 48, says of his experience in the individual market over the last six years.Ìý When he gets an increase, he shops around, but often has to accept lower benefits to keep his premiums from growing.
“I am hoping that the Obama health care plan will be my savior,” Perrault says. “I don’t think it could get worse, I am very hopeful.”
Cindy Holtzman, who has sold health insurance for more than 14 years in Georgia, says almost all insurance companies increase premiums on the policy anniversary date and some premiums increase again on the policyholder’s birthday.
Ìý“The only solution consumers have is to increase their deductible or cancel” their policy, says Holtzman. “Premiums are going up way too fast and way too often.”
But some policyholders say they haven’t had much of a problem with premiums.
Tony Morse and his wife have been in the individual market for five years and have kept the same coverage from Blue Cross Blue Shield. Morse, director ofÌý a public relations firm in Minneapolis, Minn.,Ìý says even though their premiums have gone up, they’ve been satisfied overall.Ìý “We are happy with our coverage. We each tend to have different healthcare needs so we can set up different deductibles to suit our health care costs,” he says.
Between this year and last year, his wife’s premium increased nine percent, while his went up 13 percent. “Frankly, I didn’t realize how much they went up until I just checked the math. In actual dollars the increase has not been substantial – so we’ve dealt with it,” he says.
ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/consumers-who-buy-their-own-health-insurance-report-big-rate-increase-requests/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=29983&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>target=”_blank”>portable electrocardiogram machine
, trumpeting the new product’s ability to help patients wherever they might need it.But the most interesting thing about the MAC 800 is not where it can go, but where it came from: China.
Chinese engineers funded by GE Healthcare helped develop the machine for sale in China. Although initially tailored to local needs, the MAC 800 has found a new market the United States, where hospitals with community programs can easily take it on the road to treat patients.
The company is betting that other products originally created for the developing world ultimately also can be useful here. GE is tapping into the increasingly popular idea that medical innovation should be a global two-way street in which the West benefits from the resourcefulness and frugality poorer nations apply to health problems. The idea isn’t new, but it’s gaining traction, beyond the creation of products and technology, as public health experts rethink ways to prevent disease and deliver care.
Health care in the developing world holds several “general lessons for richer countries,” Nigel Crisp, a former permanent secretary of Britain’s Department of Health, observed in a recent . “Unconstrained by our history, [developing countries] train people differently, create new sorts of organisations, involve families and communities and concentrate more on promoting health rather than on just tackling disease.”
With interest in international health expanding, this type of thinking is likely to become more common. A 2009 survey by the Consortium of Universities for Global Health found that enrollment in global health courses had doubled since 2006. This rapid growth is changing the way people think about health care abroad, says Dr. Michael Merson, director of the Duke Global Health Institute. “I think the old days of development where the rich helped the poor, for the most part have passed,” he says. “I think we go into this with a true sense of shared partnership.”
The Roots Of ‘Kangaroo Care’
While some experts doubt the U.S. is really ready to embrace lessons from abroad, there is a growing number of examples. They run the gamut from basic to high-tech including an electronic medical records program in use in more than 20 countries.
The Boston-based Prevention and Access to Care and Treatment project, which serves HIV/AIDS patients, is modeled on a community health worker program pioneered in Haiti. Since the late 1990s, the project has sought out the most difficult-to-treat HIV patients: those who fail in conventional programs because of factors such as mental illness and poverty. The program reports good results and has been sharing its methods with the New York City health department and hospitals with similar programs.
“,” an approach developed in Colombia, is another example. With a major shortage of incubators, doctors advised mothers to cradle preterm babies in a sling. They did so well that it changed what had been the conventional approach in the U.S., which encouraged only limited human contact while newborns were in incubators.
Merson participated in what became one of the best known illustrations of a borrowed idea. During the 1970s he was in Bangladesh working with other doctors to treat an outbreak of cholera, an acute infectious disease whose symptoms include severe diarrhea. The team made extensive use of a cheaper, simpler treatment for diarrhea, which can result in life-threatening dehydration, and it is now the recommended standard for care worldwide.
“It took a while for pediatricians to use here,” Merson says, “but now we have products like Pedialyte and other kinds of oral rehydration fluids that are used to treat kids.”
These days, it’s increasingly common to find experts without medical backgrounds collaborating on health-related projects for developing countries. One example is OpenMRS, an open-source electronic medical record system that started in 2004 as a collaboration between the Boston-based nonprofit Partners in Health and the Regenstrief Institute, an informatics and health care research organization in Indianapolis. Both programs use the system to manage projects in the developing world. It’s especially critical for hospitals that track large numbers of HIV-positive patients, says William Tierney, an informatics expert at Regenstrief.
Without electronic information, “How do you know when patients aren’t coming in, so you can go out and chase them down to enhance adherence to the drug?” Tierney asks.
Rwanda, Tanzania and Peru are among the countries where the program has caught on. Since the software platform is open source it can be customized by anyone and tailored to specific programs, which would be more challenging with bigger commercial systems. Now it is being used at Indiana University’s School of Medicine where Tierney is a professor as well as at sites in Maryland, Boston and Los Angeles.
‘What Can The U.S. Learn From Ghana?’
Students now in school might lead a new wave of innovation. Anjali Sastry, a global health delivery and system dynamics researcher who lectures at the MIT Sloan School of Management, says her MBA students are increasingly using what they learn to experiment with different models for care delivery. “Ghana tried a national health insurance system, for instance,” she says. “What can the U.S. learn from Ghana?”
Dr. Jaspal Sandhu, a global health designer and researcher with an engineering background, is among those asking such questions. In 2004, Sandhu and two other researchers traveled to Tamil Nadu state in India to closely examine the workings of Aurolad, an affiliate of Aravind Eye Care System, which developed an intraocular lens that significantly reduced the cost of cataract surgery in India. Today, Aurolab exports the lenses to 120 countries, including Canada, Denmark and Israel, though not the U.S.
It’s not just the lenses that interest Sandhu, a consultant who has worked with the World Bank, Microsoft and other clients. It’s the way the Aravind system works. This includes the use of health workers rather than doctors for certain basic procedures-one of a handful of strategies that could promote “lower costs and shorter waiting periods,” he says.
Not every expert is as optimistic. , an assistant professor at Columbia University’s Mailman School of Public Health, says in the U.S., “hyper-technologization of everything” leads to rejection of simple solutions in favor of “the stuff that has some incredibly overly technical basis.”
“I think there are a ton of lessons that can be applied in primary care and at community health centers from countries like Rwanda,” says Ruxin, who runs a health and poverty program in that country. “But I haven’t sensed that the United States is ready for that.”
GE Healthcare, a believer, is investing $3 billion over six years in its “Healthymagination” initiative to create low-cost, high-quality products worldwide. It aims to use “reverse innovation,” the same development process that produced the MAC 800. GE learned a hard lesson prior to the initiative. “Quite frankly, when we develop stuff in the U.S. and try to make it available for lower-cost markets, it just doesn’t work,” says Melanie Varin, GE’s general manager of marketing for diagnostic cardiology. Products created that way tend to be too expensive for those markets and are unable to capture “the mindset of the local user.”
That experience led GE to pursue its current approach, which is outlined in an October 2009 , coauthored by GE’s CEO, Jeffrey R. Immelt. “Once products have proven themselves in emerging markets,” the article says, “they must be taken global.”
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<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=31627&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>Consumers Union also released this week the results of a national telephone poll in which respondents expressed significant concerns about the health care system. For instance, 59 percent of the 1,002 adults surveyed said that during the past two years they had experienced increases in health care costs beyond that of other expenses. For 73 percent of respondents, the greatest health care worry was that illness or an accident would cause a major financial loss. Seventy-three percent were anxious about not being able to afford health care in the future. Another 73 percent feared that insurance companies could deny them coverage.
KHN’s Jaclyn Schiff spoke with Guest about the poll results and Consumer Unions’ ad. He described the current debate as the “crunch time” for what may be “one of the biggest consumer issues” in the U.S. ever. Excerpts of the interview follow.
Q. What were some of the most surprising findings in Consumer Reports National Research Center recent poll?
A. The poll underscored that Americans are really being badly affected by the health care system today and they’re worried about the future. One really strong finding is that half of Americans, 51 percent, say they have actually put off medical care. They haven’t filled prescriptions. They’ve cut pills in half. They have not done follow up visits or medical procedures that were recommended by their providers. That’s half the population being affected right there.
Q. This is the first time that your organization has run a TV ad supporting a public policy position. Why now? Did the poll factor into the decision?
A. We made the decision to run the ad before we even had the poll [results]. We’ve been engaged in the health care arena going back to our founding in 1936. In the last few years we’ve been even more active. What is dramatically clear is that reform is absolutely vital to getting costs under control, getting quality improved and providing consumers with care they need in an affordable fashion. This is the year for action. This is the year when we can actually achieve health care reform, which we first recommended back in 1939. So now it’s 70 years later.
We’ve seen it in our polling and we’ve seen it in other work that we do in terms of what’s on the minds of the American public. Clearly this is a very, very big issue. We also feel that this is a unique and one-time opportunity. That is part of why we’re saying the consumer voice has to be very much in the conversation and in the minds of legislators. [This issue] affects consumers and that is why we’re doing this and ramping it up even more than our normal active advocacy.
Q. A lot of Ìýabout the ad have been posted on the Consumer Reports Health Blog. Are you concerned about how the decision to run it might affect your group’s reputation as an independent, unbiased consumer advocacy organization?
A. No, I’m not. Since we started, we’ve been public about our positions. We’ve never pulled punches before. No matter what we say — whether we’re saying Japanese cars are finishing higher than American cars — some people criticize us. [The criticism] is not going to hold us back from saying what we believe.
Q. Your ad calls on policymakers to act and pass a comprehensive health reform bill. What components should be included in the legislation?
A. First, absolutely, it has to cut health care costs. There are a variety of ways to do that. One is to have more competition among the health insurance plans. Another, over time, is to set some things in place that can really change the reimbursement system. Right now doctors and hospitals get paid on volume and quantity not on quality. So the incentives are wrong. We also think that consumers need better information so that they can make informed decisions about hospitals, doctors, medical treatments, drugs or health plans. The other part of it is we really believe that health reform needs to cover everyone.
Q. What about the public option? Is it a necessary component of the legislation?
A. Yes absolutely. There has got to be competition and competition among the health plans and health insurers. That is the best and most immediate way to achieve it.
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Who buys insurance on the individual market?
People who don’t get health coverage through their employer or the government sometimes buy coverage directly from insurers on the individual, or non-group, market. While estimates vary, census data show that in 2007, about 14.5 million people had individual insurance, approximately 5 percent of the population.
Many people with individual insurance are self-employed or work in small companies. A 2007 Commonwealth Fund survey found that 36 percent of respondents with individual insurance were unemployed. Of those who had jobs, about three-quarters were self-employed or worked in firms with fewer than 20 workers. Some people buy individual policies while they are between jobs.
Nearly half of the people with individual insurance are between the ages of 50 and 64, while another 19 percent are between 19 and 29.
What is the current state of the individual market?
Individual insurance is regulated by state governments, so prices and rules vary, depending on the state. Generally, insurers evaluate the medical history, age and other factors of the applicant or family to determine whether to provide coverage and, if so, to calculate a premium.
Only a handful of states — including Maine, Massachusetts, New Jersey, New York, Washington and Vermont — have rules in place limiting carriers’ ability to deny insurance based on pre-existing medical conditions.
In other states, it is often difficult for people with health problems to obtain health insurance at an affordable price — or even at all. The Commonwealth Fund report estimated that about half of adults who tried to buy individual plans during a three-year period found it difficult or impossible to find a plan to fit their needs. Thirty-four states have set up high-risk pools as an insurance alternative for people with pre-existing conditions.
What’s the average cost of individual plans and what do they offer the consumer?
Premiums and deductibles tend to be higher in the individual market than in employer-provided plans, and the coverage is usually less comprehensive. The enrollee picks up the entire tab, rather than sharing the cost with an employer.
The Commonwealth Fund survey found that 64 percent of those with individual coverage spent $3,000 or more on annual premium costs. Almost half spent at least $6,000 per year and nearly 20 percent spent at least $8,000 annually.
How will the reform proposals affect individual insurance?
The Democratic overhaul proposals would have a big impact on the individual market. They would require most people to have coverage, which is likely to funnel millions of people into the individual market. In addition, some lower-income people who now have individual policies might become eligible for an expanded Medicaid program, the state-federal health program for the poor and disabled.
Several of the proposals also require that employers provide coverage, which could mean some people who now have to buy their own insurance would get group coverage at work.
Under the plans, the government would provide subsidies for low- and moderate-income people buying individual policies on newly created insurance “exchanges.” But lawmakers, facing tremendous pressure to lower the cost of the health care legislation, might pare back the subsidies, reducing the number of moderate-income Americans who would be eligible. And some people who receive subsidies might still find them insufficient to buy insurance.
The proposals would also bar insurers from excluding people from coverage or charging more due to health conditions.
Sources:
Employee Benefit Research Institute: Sources of Health Insurance and Characteristics of the
Uninsured: Analysis of the March 2008 Current Population SurveyÌý(.pdf)
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ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/npr-individual-market-explainer/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21707&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>But how does health care in Canada and other countries really stack up when compared with the U.S? Supporters of a health overhaul refer to a 2000 World Health Organization ranking that placed the United States 37th among all countries for health care. (France was number one.) But that report has also been criticized by some analysts for failing to follow a strict, consistent protocol and not adjusting for a wide variety of indicators from the responding countries.
A Canadian Doctor Says Dutch Health System ‘Might Work’ For U.S.
Now a new study examines data from several health systems and highlights the role of health care quality in the midst of the current U.S. debate, which is often focused on improving access.
The , which was conducted by Elizabeth Docteur and Robert Berenson and released in August by the Urban Institute, compared U.S. treatment outcomes and other quality indicators with that of at least 30 developed countries, including Australia, France and the United Kingdom.
Docteur, an independent health policy and research analyst, said she and Berenson wanted to see whether the scientific literature supported the idea that American medicine really is best – a notion often “bandied about in the health reform debate.” They examined health care system research conducted during the past 10 to 15 years and found there was “no hard evidence” that U.S. health care quality stands out across the board. They did find that the U.S. had high scores in some specific treatment areas, such as cancer care. However, it didn’t do as well when compared to other nations at handling preventive care or treatment for acute conditions, including heart disease and hip fractures.
Perhaps one of the study’s most unexpected findings-depending on your political point of view -is that the quality of health care in Canada tends to be higher than in the U.S. The researchers looked at 10 statistically adjusted studies of broad populations and found that five favored care in Canada. The U.S. came out better in two. Three were inconclusive. Docteur points out the universal coverage in Canada helps to ensure that Canadians receive the care they need throughout their lives. “I think the main point is that our study showed quite clearly that it is not the case that the U.S. is dominating Canada in terms of quality of care,” she said.
“The findings are not a surprise to policy wonks,” saidÌýBruce Siegel, a quality expert and professor at The George Washington University’s School of Public Health and Health Services. Siegel-who was not involved in the study but said the authors used “the best information out there for comparison”-thinks their findings have the potential to be a “myth buster.”
Docteur said she hopes that her findings will draw more attention to quality issues, which have been a “bit of a sleeper” in the current debate. The research made it clear that although it’s necessary to find a way to cover more people to improve the country’s health system, “just solving the problem of the uninsured is not going to be enough.” She said she would like to see the debate reframed from a discussion on quality being at risk to a dialogue considering what the best performers are doing.
This <a target="_blank" href="/health-industry/quality-of-care/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21200&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>In the context of the current health system overhaul, he said, governors are most concerned with the prospect of a major expansion of Medicaid, which would pose a “tremendous financial liability” to states. Reforms to the state-administered program can only be accomplished “in partnership” with the federal government, which shares the costs of Medicaid with the states, he added.
With that in mind, Douglas said governors need more details about theÌývariousÌýproposals to determine the actual impact they would have on their states. Regarding the overhaul proposal released Wednesday by Senate Finance Committee Chairman Max Baucus, D-Mont., Douglas said the parts of the measure that deal with insurance reforms and exchanges “still need work,” but that overall the bill is “headed down a path that seems workable.”
He also warned that, although reform is “critical for the stretched budgets of state governments,” legislation that fails to respect these fiscal realities will force states to further eat into other vital programs, such as education. “Unlike the federal government,” he said, “states can’t print money. We have to balance our books.” Reform efforts, he added, also need “to respect that no one size fits all at the state level.”
Douglas appeared Thursday at the National Press Club in Washington, D.C., at an event launching a year-long (.pdf) to help governors reduce health care costs and expand coverage. He said he has talked with House leadership and several senators on the Finance Committee’s “Gang of Six” who have been negotiating on a health reform proposal.
During his talk, Douglas said his “greatest concern” is that the Washington health reform discourse is too focused on the current payment structure, which he says is the “wrong end” of the problem. “No matter who pays, healthcare costs are on track to bankrupt the country.”
The focus should be on improvements to the healthcare delivery system. “True reform really needs to get at the cost drivers,” he said.
This <a target="_blank" href="/news/douglas-nga/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21300&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>For the tens of thousands of individual insurance agents nationwide, the idea of a health system overhaulÌýhits close to home – and work.ÌýThe changes currently under consideration could radically alter how they do business. For example, there could beÌýrequirements that all individuals have coverage, that employers provide insurance for their workers andÌýthatÌýinsurers cover anyone –Ìýregardless of preexisting conditions. In addition, there couldÌýbe a government-run public plan that might compete with insurance companies.Ìý
KHN reporter Jaclyn Schiff spoke to two agentsÌýto find out how they are bracing themselves for the post-reform environment. We edited their remarks.

Sheri Hokin, of Hokin Sternberg Insurance in Northbrook, Ill., has worked in the insurance industry for 27 years and is a former chapter president of the National Association of Health Underwriters. She remembers earlier reform attempts and she’s worriedÌýher fellow agents are notÌýengaged enough in the proceedings.
Q: Do you notice any similarities between what brokers were saying in 1994 and now?
A: I don’t see as much nervousness now. I don’t see my fellow brokers getting involved enough. Financially, the United States was in a different place in 1994, so when the government talked about doing this major universal healthcare,Ìýit was a possibility. Now, it’s going to cost trillions of dollars. So I think (agents)Ìýare looking at it and thinking it’s not going to happen. They think it will be watered down.
Q: Are you concerned that health reform will change the way you do business?
A: It will. But in some good ways. I think that an individual mandate is an excellent thing and that there will be guaranteed issue for anyone who wants to get in the system. I do a lot of individual policies and it is frustrating for a number of people who have minor illnesses or expenses and can’t get covered. That’s ridiculous. Guaranteed issue will allow me to spend more time finding the right products and not to have to go through underwriting and this whole program of people answering health questions and then getting turned down for insurance.
In terms of an employer mandate — saying that if you don’t provide coverage you have to pay for it, I think that’s unfair. If companies and manufacturers can’t compete internationally now, they’re certainly not going to be able to compete when they have even more expenses for healthcare.
Q: Do you think the public plan will put insurance companies out of business?
A: Absolutely. It’s unfair. The consumer is going to say, oh, it’s less expensive for me to go on this plan. They don’t realize in the long run, tax-wise, they might be paying more because of it.
Q: Have you seen any brokers doing anything to prepare for the chance that they might not be as much need for health insurance?
A: There does seem to be a trend in the insurance industry. This has been [the case] for several years now, selling a lot of ancillary products, dental, life and vision … because health insurance is getting frustratingly difficult in terms of underwriting and approval.Ìý
Q: Is there a way to bring about reform to the health system without harming the insurance industry?
A: Oh I think so. Do I have all the answers? No. But I think there is a way of tweaking it If you want more people to afford [insurance], then provide them with subsidies. Give them tax breaks if they buy health insurance. Do other things to encourage them to buy health insurance. There’s an awful lot of people that choose not to buy health insurance because they don’t want to spend the money.

Hank Stern, an insurance agent in Dayton, Ohio,Ìýis also a , a continuing insurance education instructor and a self-described contrarian. He says that people who are focusing on the 1994 reform experience “are missing the boat completely.” The key, in his view, is being able to adapt.
Q: There appears to have been some fear among health insurance brokers back in 1994. Is there the same level of fear now?
A: The gloom and doomers will probably suffer from a self-fulfilling prophecy. But some of us say [that] in every adversity there is challenge, but there is also opportunity. One has only to look across the pond.ÌýThe British have a national health system. Free health care for everybody. So tell me again why they have private health insurance? You can buy health insurance in Britain. It’s a fairly big business. In Canada, they have nationalized health care. [But they are] starting to see health insurance pop up. Why is that? Because those systems are not self-sustaining. Insurance is a risk management tool. It’s a very good one.
Q: Are you doing anything to prepare for the way the industry might change?
A: Nope. First off nothing’s going to happen [with health reform]. And evenÌýif something did, it won’t happen overnight. So things get wound down. New products and new strategies come out. Right now, people still get sick. Today somebody will have a heart attack, somebody else will break their arm. You deal with it day by day and you say: if and or when a change comes then I’ll adapt to it. Most agents don’t have a sense of history and they don’t look and say, “OK, we won’t sell major medical. We’ll sell the supplements to the national health plan or whatever.” People need long-term care insurance, disability insurance, critical illness insurance and life insurance.
Q: What would you like to see out of health reform?
A: The reality is none of [the problems] happened overnight. All of this happened over a long period of time. It seems to me that any solution, to be a viable, sustainable, long-term solution, should also happen over a period of time.
Part of the reason health insurance costs too much is because there are a lot of mandated benefits that states [require]. And, frankly, a lot of people don’t understand what insurance should be for. Nobody expects their auto insurance to pay for oil changes and wiper blades. But we expect our health insurance to pay for flu shots and sprained ankles. Have the insurance so that if you have a heart attack, you don’t lose your house, or you get MS, you don’t mortgage your children
Q: How might the public plan and the exchange alter the industry?
A: They’re both non-starters because they are both government-run health care. [With the exchange],Ìýyou put the evaluation and cost functions into government control. The public plan because it becomes the government option, which can control its costs very simply by saying: we’re not paying any more and you don’t have any choice. [An insurance company] can’t compete against the government. And I don’t care how many insurance companies there are all together, they can’t compete against the government.
ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/insurance-agents-talk-back/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=20965&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>Sen. Edward Kennedy never had to worry about getting quality healthcare, but he spent much of his career seeking to guarantee that all Americans had that same access to health services he had. “Every American should be able to get the same treatment that U.S. senators are entitled to,” he wrote in Newsweek last month. “This is the cause of my life.”
Here are highlights of his health policy milestones:

Ìý–1962: Edward M. Kennedy is elected to the Senate from Massachusetts to fill the seat left by his brother, John, who had been elected president in 1960.
Ìý –1966: After a trip to the Columbia Point Health Center in Boston, which provided health care to low-income residents, the first-term senator introduces and helps pass legislation that adds $51 million to the Economic Opportunity Act for a national system of community health centers.
–1971: Kennedy becomes chairman of the Senate Health subcommittee and begins his long campaign for national health insurance.
— 1971: On Jan. 5, Kennedy co-sponsors a bill calling for a significant increase in funding for cancer research – providing a total of $1.2 billion over three years to the National Cancer Institute, more than what was proposed by the Nixon administration. A modified version of the bill is enacted Dec. 23, 1971.
–1971: Kennedy offers his national health-insurance plan. The “Health Security Act” calls for a universal single-payer plan financed through payroll taxes.
With support from organized labor and senior citizens, Kennedy holds hearings around the country and releases his report, “The Health Care Crisis in America,” which aims to garner support for his national insurance plan. President Richard M. Nixon, concerned about Democrats gaining advantages from the issue and a possible Kennedy campaign for president, later offers his own version of a bill, the National Health Insurance Partnership Act. It preserves private insurance but requires businesses to provide coverage to employees or make payments to a government-run fund. It also endorses the concept of health maintenance organizations.
“It’s really a partnership between the administration and insurance companies,” Kennedy says of the Nixon health plan. “It’s not a partnership between patients and doctors of this nation.” But Kennedy’s efforts on health insurance were pushed to the backburner by public concerns about the Vietnam War and later the Watergate scandal.
–1972: Working with other members of the Senate Select Committee on Nutrition and Human Needs, Kennedy helps secure authorization for a two-year pilot project for the Special Supplemental Nutrition Program for Women, Infants and Children, which provides food and health benefits to poor women who are pregnant and their children up to five years of age. In 1974 Kennedy fights to expand the program, and it is permanently authorized by the legislation.
–1973: Under pressure from doctors and other groups, the Nixon administration backs away from its proposal to expand HMO services, but Kennedy moves ahead on the issue. He sponsors the HMO Act of 1973, which is revised several times before it is eventually signed into law Dec. 29, 1973. The bill authorizes the spending of $375 million over five years to evaluate HMOs and requires employers with more than 25 employees to provide them with the option of a federally certified HMO where available. It also prevents states from restricting doctors who want to join HMOs.
–1973: Kennedy puts up “intense opposition” to the appointment of Caspar Weinberger as secretary of health education and welfare, according to a biography by Adam Clymer, a former New York Times reporter. Kennedy and other senators voice doubts about whether Weinberger can serve the interests of the poor, older Americans and uneducated people, but Weinberger is confirmed.

–1974: Kennedy teams up with Rep. Wilbur Mills, D-Ark., the head of the House Ways and Means Committee, to propose a compulsory national health insurance plan to be paid for by payroll taxes and general revenues. Kennedy’s aides secretly meet with Nixon administration officials but Kennedy and Nixon never agreed on a compromise. The Democrats’ plan is opposed by the American Medical Association and other groups. Kennedy tries unsuccessfully to revive the effort after Nixon resigns. Years later, Kennedy tells the Boston Globe that he may have missed an opportunity by not working closer with Nixon to find a consensus. Perhaps, he says, “We should have jumped on that.”
–1976: Although Democratic presidential candidate Jimmy Carter campaigns on the promise of a national health insurance program, Kennedy criticizes him for “intentionally [having] made his position on some issues indefinite and imprecise.”

–1977: Carter, concerned about the strength of the economy, moves away from national health insurance and proposes measures to contain expenses, such as hospital cost control. This prompts Kennedy in May at a United Auto Workers conference to lambast Carter for not setting a timetable to establish his health insurance program – a promise Carter made on the campaign trail. “Health reform is in danger of becoming the missing promise in the administration’s plans,” Kennedy says.
–1979: In March, Carter proposes phasing in a national health program, which he says will cost $10 billion to $15 billion, beginning in 1983. Kennedy quickly opposes the plan, calling Carter’s approach to health reform “piecemeal.” The administration shoots back that Kennedy’s proposal for a complete national health plan is too expensive. Kennedy later credits this disagreement as one of the influences on his decision to challenge Carter for the Democratic nomination for the president in 1980.
–1986: As part of what Kennedy calls “a fairly small step” to extend coverage to the country’s uninsured, he introduces legislation requiring employers to allow employees and others who lose group health coverage to purchase their employer-based insurance at their own expense for a fixed time period. It passes as part of the 1985 budget reconciliation bill. On April 7, President Ronald Reagan signs the Consolidated Omnibus Budget Reconciliation Act or COBRA, which was adopted as the name for Kennedy’s program.
–1987: Kennedy becomes the chairman of the Senate’s Labor and Human Resources Committee (later known as the Health, Education, Labor and Pensions Committee).

–1990: As chief co-sponsor, Kennedy joins forces with with Sen. Tom Harkin, D-Iowa, to drive the passage of the Americans with Disabilities Act, prohibiting discrimination based on disability.
–1990: Joined by Elizabeth Taylor, Kennedy and Sen. Orrin Hatch, R-Utah, hold a press conference on March 6 introducing a bill that eventually would be known as the Ryan White Comprehensive AIDS Resources Emergency (CARE) Act to provide federal grants to improve care for individuals and families hit by HIV and AIDS. The measure passes later in the year and is signed by President George H.W. Bush on Aug. 18.
–1992: Kennedy co-sponsors the Mammography Quality Standards Act, which seeks to ensure that all women have access to quality mammography by dealing with issues at screening facilities, including lack of oversight, inferior equipment and poorly trained staff. The law, which has been reauthorized several times, requires all facilities to be inspected, accredited by an FDA-approved group and certified by the FDA or the state.
–1996: Together with Sen. Nancy Landon Kassebaum, R-Kan., Kennedy co-sponsors the Health Insurance Portability and Accountability Act (HIPAA) to protect workers and their families who change jobs or lose employer-based health insurance from being locked out of health coverage or forced to wait for coverage due to pre-existing medical conditions. It also prohibits insurance from being cancelled because of illness. Also, for what the bill is now most well-known, HIPAA establishes provisions on medical confidentiality. President Bill Clinton signs the bill into law on Aug. 21, 1996.
–1997: Kennedy and Hatch announce plans to provide health insurance for millions of uninsured children through the State Children’s Health Insurance Program (SCHIP) and fund the program through an increase in cigarette taxes. Hatch says, “Some have referred to us as the odd couple of the United States Senate. I like to think of us as the dynamic duo.”
The legislation, although initially a victim to budget rules, passes and is signed by Clinton in August as part of the Balanced Budget Act. It provides money to the states to pay for health coverage for children who do not qualify for Medicaid but whose families cannot afford private insurance. Kennedy calls it “the most far-reaching step that Congress has ever taken to help the nation’s children, and the most far-reaching advance in health care since the enactment of Medicare and Medicaid a generation ago.”

–1998: Kennedy is one of 31 co-sponsors for the Patient Bill of Rights. Although this measure is not the first such bill to be introduced, it becomes the leading vehicle to address public anger toward managed care practices. The legislation aims to protect patients who are members of managed care plans from, among other things, being denied care for the purposes of cost-containment. It also opens the door for patients who are injured as the result of being denied care to sue health plans in state courts.
Later, a more sweeping measure advanced by Rep. Charles Norwood, R-Ga., a retired dentist, passes the House, but Senate GOP leaders hold off Democratic efforts to bring up the bill in that chamber before the close of the 105th Congress. In 1999, the Republican-controlled Senate approves a scaled-back measure while the House, in November, approves a Democratic-backed version. In 2000, after six months of House-Senate negotiations, the conference committee is unable to reach a final agreement.
–2001: Kennedy together with Sens. John McCain, R-Ariz., and John Edwards, D-N.C., introduce the Bipartisan Patient Protection Act, giving patients the right to sue health plans in state courts based on denied care. Although President George W. Bush vows to veto the bill, it passes the Senate 59-36 in June.
The House passes a modified GOP-backed measure that allows employers to protect themselves from liability, the result of a closed-door compromise made between Bush and Norwood, a long-time patients’ bill of rights leader. The compromise, Kennedy said, ”makes [the patients’ bill of] rights unenforceable.” Adding ”a right without a remedy is not an effective right.” A Senate-House conference never convenes to work out differences between the two chambers. Kennedy and the bill’s other primary sponsors continue attempts to reach agreement with the administration, but abandon these negotiations in 2002.
–August 2001: Kennedy and Hatch introduce the Rare Diseases Act. The legislation increases funding for the NIH Office of Rare Diseases and expands its work. It later splits into two different acts–the Rare Diseases Act and the Rare Diseases Orphan Product Development Act–which are signed into law by Bush in November 2002.

–2003: Kennedy backs Bush’s 2003 plan to add a prescription benefit to Medicare that came with a $400 billion price tag spread out over 10 years. But when Kennedy learns that the Medicare Prescription Drug and Modernization Act of 2003 would, for the first time, allow private HMOs to compete with Medicare for patients, Kennedy works to amend the bill, criticizing the proposal for Medicare competition as “an untried, untested, unworkable program.” His efforts ultimately prove futile and he opposes the final bill. The Medicare Prescription Drug and Modernization Act of 2003 passes Congress and is signed into law by Bush on Dec. 8, 2003.
Later, in an interview with the Boston Globe, Bill Novelli, chief executive of the AARP, which broke with Kennedy, a longtime ally, to endorse the Republican-backed bill, credits the prescription drug benefit to Kennedy. “I think the lesson he learned from the Nixon era is a lesson that history teaches us: You should not let the perfect be the enemy of the good,” he says. “The Medicare Modernization Act was certainly not perfect, but the idea was, get it done and improve it over the coming years.”
–2006: Kennedy and Sen. Charles Grassley, R-Iowa, secure passage of the Family Opportunity Act, which expands Medicaid coverage for children with special needs even if their parents earn more than the usual limit.

–2006: Kennedy, and Sen. Pete Domenici, R-N.M., work with mental health advocates, private insurers and industry on legislation to require private insurers to offer mental health benefits equivalent to traditional health benefits. The bill builds on 1996 legislation seeking to end restrictions on mental health coverage. The Senate approves the bill in September 2007 and the House in March 2008. After negotiations between the Senate and House, language supporting the combined plan is written into law as part of the economic stimulus bill. The effective date for most health plans to make the change is Jan. 1, 2010.
–May 20, 2008: Kennedy is diagnosed with a malignant glioma, a common, highly lethal form of brain tumor. He undergoes surgery and other treatments.
–July 9, 2008: Just a month after undergoing surgery for brain cancer, Kennedy makes a surprise appearance in the Senate, which gives Democrats enough votes to prevent a Republican filibuster that would have cut Medicare fees to doctors. “We got this victory because of Ted,” Sen. Max Baucus, D-Mont., tells the Los Angeles Times. The bill passes later that month after the Senate overrides President Bush’s veto.

Ìý— 2008: Kennedy, weakened by cancer treatment, addresses the Democratic National Convention in Denver Aug. 25, pushing the party to continue his efforts on reform. “For me this is a season of hope — new hope for a justice and fair prosperity for the many, and not just for the few — new hope,” he says. “And this is the cause of my life — new hope that we will break the old gridlock and guarantee that every American — north, south, east, west, young, old — will have decent, quality health care as a fundamental right and not a privilege.”
–2009: On June 9, Kennedy submits the Affordable Health Choices Act, and although Kennedy is sidelined fighting his cancer and not able to participate, the measure passes in his Senate Health, Education, Labor and Pensions Committee as part of the larger Capitol Hill effort on health reform. However, the Senate Finance Committee is expected to significantly alter the bill. In July, Kennedy, along with long-time speechwriter and friend Robert Shrum, published an article in outlining his personal and political experiences with health issues over the years and describing his vision for reform.Ìý He wrote: “For four decades I have carried this cause-from the floor of the United States Senate to every part of this country. It has never been merely a question of policy; it goes to the heart of my belief in a just society.”
This <a target="_blank" href="/news/kennedy-health-care-timeline/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=20839&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>People who buy their own health insurance report the most recent rate increase requests have averaged 20 percent, according to the released Monday by the Kaiser Family Foundation. (KHN is a part of the foundation.)
The foundation surveyed just over 1,000 people who don’t get insurance from their employer, finding that 77 percent reported an increase with their current or previous insurer. Most paid the increase.Ìý But 16 percent switched to less expensive plans, either to one offered by their insurer or to one from a different insurer. As a result of those who switched, the average increase for all respondents was 13 percent.
More than half said they thought it would be difficult to switch insurers, often because they or someone in their family had a medical condition. Current law allows insurers to reject applicants with medical conditions on the individual market, a practice that will be barred under the new health reform law starting in 2014.
The foundation conducted the survey “to get a more scientific picture of what is happening,” Drew Altman, president and CEO of the foundation said in a press briefing. “The increases people are being hit with are truly really big increases.”
Insurers Blame Rising Medical Costs
More than 14 million Americans buy their own insurance in the individual market, generally because their jobs don’t provide coverage. Insurers say increases are being driven in part by large increases in the amounts they are paying for medical care.
“We’re seeing price increases of 40 percent to 50 percent from some hospitals across the country,” says AHIP spokesman Robert Zirkelbach. “Data show that premium increases are being driven by the soaring cost of medical care and younger, healthier people choosing to drop their coverage during an economic slowdown.”
Tracking premium increases among individual purchasers is difficult: States vary widely in how they collect and report increases, insurers offer many types of policies and premium increases are based on many variables, many of them policyholder-specific, such as age.Ìý Actuaries also expect higher medical claims the longer a person holds a policy, and premium increases sometimes reflect that.
Other surveys, including data from the lobbying group Ìýand insurance sales website , show the average cost of premiums, but don’t ask about increases.
The foundation survey asked respondents about the most recent rate increase sought by their insurer; the vast majority of requests occurred since March 2009. The survey has a margin of error of plus or minus four percentage points and was taken between March 19 and April 2. It comes as attention is focused on premium increases and the Obama administration’s efforts to implement provisions of the health overhaul law passed in March.
Other findings include:
— More than half of respondents reported being the only ones on the policy. Their averageÌý annual premium isÌý $3,606. A separate survey of employers conducted last year by the foundation showed employer coverage for single workers averaged $4,824, possibly because the benefits are richer.
— Family coverage averages $7,102 annually among those responding to the survey. That’s less than employer coverage for families, which averaged $13,375 in 2009, according to the separate foundation survey of employers.
— Respondents with single coverage, purchased on their own, reported their annual deductible averaged $2,498; family plans averaged $5,149. Twenty-six percent reported an annual deductible of $5,000 or more.
Zirkelbach says it’s hard to tell if the foundation survey accurately reflects premium increases because it asked for the “most recent,” rather than those covering a specific year.Ìý He says “individual coverage continues to be an affordable option for people who don’t have employer coverage.”
Policy analysts say some aspects of the new law could slow premium growth, while others might increase it.
The law does not grant federal authority to reject premium increases. It does, however, call for insurers to justify any deemed “unreasonable.” RegulationsÌý that would define unreasonable are being developed. Federal regulators, working with the states, can also recommend barring insurers with a history of unreasonable increases from the new marketplaces for insurance sales, called exchanges, which are set to open in 2014.
New Law Affects Premiums
Premiums could be affected by other provisions in the law, such as one barring insurers from charging higher premiums based on a person’s health, a rule that begins in 2014. That could mean lower premiums for those with health problems, but higher rates for those who are younger or healthier.Ìý
Insurers must also spend at least 80 percent of their premium revenue on direct medical care for individual policyholders – or pay rebates, starting next year.Ìý Rules about what counts as medical care are still being developed. The requirement could shed more light on what insurers pay out – and how much they keep for administrative costs and profits.
Insurers have warned that some of the immediate effects of the law – such as barring them from rejecting children under 19 for coverage and allowing some young adults to stay on their parents’ policies until age 26 – could add to premium inflation in the short term.
Shane Perrault, a psychologist with a private practice in Silver Spring, Md.,Ìý says he hopes the net result is to slow premium increases overall.
Ìý“The rates go up and up and you just don’t get much for it,” Perrault, 48, says of his experience in the individual market over the last six years.Ìý When he gets an increase, he shops around, but often has to accept lower benefits to keep his premiums from growing.
“I am hoping that the Obama health care plan will be my savior,” Perrault says. “I don’t think it could get worse, I am very hopeful.”
Cindy Holtzman, who has sold health insurance for more than 14 years in Georgia, says almost all insurance companies increase premiums on the policy anniversary date and some premiums increase again on the policyholder’s birthday.
Ìý“The only solution consumers have is to increase their deductible or cancel” their policy, says Holtzman. “Premiums are going up way too fast and way too often.”
But some policyholders say they haven’t had much of a problem with premiums.
Tony Morse and his wife have been in the individual market for five years and have kept the same coverage from Blue Cross Blue Shield. Morse, director ofÌý a public relations firm in Minneapolis, Minn.,Ìý says even though their premiums have gone up, they’ve been satisfied overall.Ìý “We are happy with our coverage. We each tend to have different healthcare needs so we can set up different deductibles to suit our health care costs,” he says.
Between this year and last year, his wife’s premium increased nine percent, while his went up 13 percent. “Frankly, I didn’t realize how much they went up until I just checked the math. In actual dollars the increase has not been substantial – so we’ve dealt with it,” he says.
ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/consumers-who-buy-their-own-health-insurance-report-big-rate-increase-requests/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=29983&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>target=”_blank”>portable electrocardiogram machine
, trumpeting the new product’s ability to help patients wherever they might need it.But the most interesting thing about the MAC 800 is not where it can go, but where it came from: China.
Chinese engineers funded by GE Healthcare helped develop the machine for sale in China. Although initially tailored to local needs, the MAC 800 has found a new market the United States, where hospitals with community programs can easily take it on the road to treat patients.
The company is betting that other products originally created for the developing world ultimately also can be useful here. GE is tapping into the increasingly popular idea that medical innovation should be a global two-way street in which the West benefits from the resourcefulness and frugality poorer nations apply to health problems. The idea isn’t new, but it’s gaining traction, beyond the creation of products and technology, as public health experts rethink ways to prevent disease and deliver care.
Health care in the developing world holds several “general lessons for richer countries,” Nigel Crisp, a former permanent secretary of Britain’s Department of Health, observed in a recent . “Unconstrained by our history, [developing countries] train people differently, create new sorts of organisations, involve families and communities and concentrate more on promoting health rather than on just tackling disease.”
With interest in international health expanding, this type of thinking is likely to become more common. A 2009 survey by the Consortium of Universities for Global Health found that enrollment in global health courses had doubled since 2006. This rapid growth is changing the way people think about health care abroad, says Dr. Michael Merson, director of the Duke Global Health Institute. “I think the old days of development where the rich helped the poor, for the most part have passed,” he says. “I think we go into this with a true sense of shared partnership.”
The Roots Of ‘Kangaroo Care’
While some experts doubt the U.S. is really ready to embrace lessons from abroad, there is a growing number of examples. They run the gamut from basic to high-tech including an electronic medical records program in use in more than 20 countries.
The Boston-based Prevention and Access to Care and Treatment project, which serves HIV/AIDS patients, is modeled on a community health worker program pioneered in Haiti. Since the late 1990s, the project has sought out the most difficult-to-treat HIV patients: those who fail in conventional programs because of factors such as mental illness and poverty. The program reports good results and has been sharing its methods with the New York City health department and hospitals with similar programs.
“,” an approach developed in Colombia, is another example. With a major shortage of incubators, doctors advised mothers to cradle preterm babies in a sling. They did so well that it changed what had been the conventional approach in the U.S., which encouraged only limited human contact while newborns were in incubators.
Merson participated in what became one of the best known illustrations of a borrowed idea. During the 1970s he was in Bangladesh working with other doctors to treat an outbreak of cholera, an acute infectious disease whose symptoms include severe diarrhea. The team made extensive use of a cheaper, simpler treatment for diarrhea, which can result in life-threatening dehydration, and it is now the recommended standard for care worldwide.
“It took a while for pediatricians to use here,” Merson says, “but now we have products like Pedialyte and other kinds of oral rehydration fluids that are used to treat kids.”
These days, it’s increasingly common to find experts without medical backgrounds collaborating on health-related projects for developing countries. One example is OpenMRS, an open-source electronic medical record system that started in 2004 as a collaboration between the Boston-based nonprofit Partners in Health and the Regenstrief Institute, an informatics and health care research organization in Indianapolis. Both programs use the system to manage projects in the developing world. It’s especially critical for hospitals that track large numbers of HIV-positive patients, says William Tierney, an informatics expert at Regenstrief.
Without electronic information, “How do you know when patients aren’t coming in, so you can go out and chase them down to enhance adherence to the drug?” Tierney asks.
Rwanda, Tanzania and Peru are among the countries where the program has caught on. Since the software platform is open source it can be customized by anyone and tailored to specific programs, which would be more challenging with bigger commercial systems. Now it is being used at Indiana University’s School of Medicine where Tierney is a professor as well as at sites in Maryland, Boston and Los Angeles.
‘What Can The U.S. Learn From Ghana?’
Students now in school might lead a new wave of innovation. Anjali Sastry, a global health delivery and system dynamics researcher who lectures at the MIT Sloan School of Management, says her MBA students are increasingly using what they learn to experiment with different models for care delivery. “Ghana tried a national health insurance system, for instance,” she says. “What can the U.S. learn from Ghana?”
Dr. Jaspal Sandhu, a global health designer and researcher with an engineering background, is among those asking such questions. In 2004, Sandhu and two other researchers traveled to Tamil Nadu state in India to closely examine the workings of Aurolad, an affiliate of Aravind Eye Care System, which developed an intraocular lens that significantly reduced the cost of cataract surgery in India. Today, Aurolab exports the lenses to 120 countries, including Canada, Denmark and Israel, though not the U.S.
It’s not just the lenses that interest Sandhu, a consultant who has worked with the World Bank, Microsoft and other clients. It’s the way the Aravind system works. This includes the use of health workers rather than doctors for certain basic procedures-one of a handful of strategies that could promote “lower costs and shorter waiting periods,” he says.
Not every expert is as optimistic. , an assistant professor at Columbia University’s Mailman School of Public Health, says in the U.S., “hyper-technologization of everything” leads to rejection of simple solutions in favor of “the stuff that has some incredibly overly technical basis.”
“I think there are a ton of lessons that can be applied in primary care and at community health centers from countries like Rwanda,” says Ruxin, who runs a health and poverty program in that country. “But I haven’t sensed that the United States is ready for that.”
GE Healthcare, a believer, is investing $3 billion over six years in its “Healthymagination” initiative to create low-cost, high-quality products worldwide. It aims to use “reverse innovation,” the same development process that produced the MAC 800. GE learned a hard lesson prior to the initiative. “Quite frankly, when we develop stuff in the U.S. and try to make it available for lower-cost markets, it just doesn’t work,” says Melanie Varin, GE’s general manager of marketing for diagnostic cardiology. Products created that way tend to be too expensive for those markets and are unable to capture “the mindset of the local user.”
That experience led GE to pursue its current approach, which is outlined in an October 2009 , coauthored by GE’s CEO, Jeffrey R. Immelt. “Once products have proven themselves in emerging markets,” the article says, “they must be taken global.”
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<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=31627&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>Consumers Union also released this week the results of a national telephone poll in which respondents expressed significant concerns about the health care system. For instance, 59 percent of the 1,002 adults surveyed said that during the past two years they had experienced increases in health care costs beyond that of other expenses. For 73 percent of respondents, the greatest health care worry was that illness or an accident would cause a major financial loss. Seventy-three percent were anxious about not being able to afford health care in the future. Another 73 percent feared that insurance companies could deny them coverage.
KHN’s Jaclyn Schiff spoke with Guest about the poll results and Consumer Unions’ ad. He described the current debate as the “crunch time” for what may be “one of the biggest consumer issues” in the U.S. ever. Excerpts of the interview follow.
Q. What were some of the most surprising findings in Consumer Reports National Research Center recent poll?
A. The poll underscored that Americans are really being badly affected by the health care system today and they’re worried about the future. One really strong finding is that half of Americans, 51 percent, say they have actually put off medical care. They haven’t filled prescriptions. They’ve cut pills in half. They have not done follow up visits or medical procedures that were recommended by their providers. That’s half the population being affected right there.
Q. This is the first time that your organization has run a TV ad supporting a public policy position. Why now? Did the poll factor into the decision?
A. We made the decision to run the ad before we even had the poll [results]. We’ve been engaged in the health care arena going back to our founding in 1936. In the last few years we’ve been even more active. What is dramatically clear is that reform is absolutely vital to getting costs under control, getting quality improved and providing consumers with care they need in an affordable fashion. This is the year for action. This is the year when we can actually achieve health care reform, which we first recommended back in 1939. So now it’s 70 years later.
We’ve seen it in our polling and we’ve seen it in other work that we do in terms of what’s on the minds of the American public. Clearly this is a very, very big issue. We also feel that this is a unique and one-time opportunity. That is part of why we’re saying the consumer voice has to be very much in the conversation and in the minds of legislators. [This issue] affects consumers and that is why we’re doing this and ramping it up even more than our normal active advocacy.
Q. A lot of Ìýabout the ad have been posted on the Consumer Reports Health Blog. Are you concerned about how the decision to run it might affect your group’s reputation as an independent, unbiased consumer advocacy organization?
A. No, I’m not. Since we started, we’ve been public about our positions. We’ve never pulled punches before. No matter what we say — whether we’re saying Japanese cars are finishing higher than American cars — some people criticize us. [The criticism] is not going to hold us back from saying what we believe.
Q. Your ad calls on policymakers to act and pass a comprehensive health reform bill. What components should be included in the legislation?
A. First, absolutely, it has to cut health care costs. There are a variety of ways to do that. One is to have more competition among the health insurance plans. Another, over time, is to set some things in place that can really change the reimbursement system. Right now doctors and hospitals get paid on volume and quantity not on quality. So the incentives are wrong. We also think that consumers need better information so that they can make informed decisions about hospitals, doctors, medical treatments, drugs or health plans. The other part of it is we really believe that health reform needs to cover everyone.
Q. What about the public option? Is it a necessary component of the legislation?
A. Yes absolutely. There has got to be competition and competition among the health plans and health insurers. That is the best and most immediate way to achieve it.
This <a target="_blank" href="/news/jim-guest-q-and-a/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=22373&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>This story was done in collaboration with our partner
Who buys insurance on the individual market?
People who don’t get health coverage through their employer or the government sometimes buy coverage directly from insurers on the individual, or non-group, market. While estimates vary, census data show that in 2007, about 14.5 million people had individual insurance, approximately 5 percent of the population.
Many people with individual insurance are self-employed or work in small companies. A 2007 Commonwealth Fund survey found that 36 percent of respondents with individual insurance were unemployed. Of those who had jobs, about three-quarters were self-employed or worked in firms with fewer than 20 workers. Some people buy individual policies while they are between jobs.
Nearly half of the people with individual insurance are between the ages of 50 and 64, while another 19 percent are between 19 and 29.
What is the current state of the individual market?
Individual insurance is regulated by state governments, so prices and rules vary, depending on the state. Generally, insurers evaluate the medical history, age and other factors of the applicant or family to determine whether to provide coverage and, if so, to calculate a premium.
Only a handful of states — including Maine, Massachusetts, New Jersey, New York, Washington and Vermont — have rules in place limiting carriers’ ability to deny insurance based on pre-existing medical conditions.
In other states, it is often difficult for people with health problems to obtain health insurance at an affordable price — or even at all. The Commonwealth Fund report estimated that about half of adults who tried to buy individual plans during a three-year period found it difficult or impossible to find a plan to fit their needs. Thirty-four states have set up high-risk pools as an insurance alternative for people with pre-existing conditions.
What’s the average cost of individual plans and what do they offer the consumer?
Premiums and deductibles tend to be higher in the individual market than in employer-provided plans, and the coverage is usually less comprehensive. The enrollee picks up the entire tab, rather than sharing the cost with an employer.
The Commonwealth Fund survey found that 64 percent of those with individual coverage spent $3,000 or more on annual premium costs. Almost half spent at least $6,000 per year and nearly 20 percent spent at least $8,000 annually.
How will the reform proposals affect individual insurance?
The Democratic overhaul proposals would have a big impact on the individual market. They would require most people to have coverage, which is likely to funnel millions of people into the individual market. In addition, some lower-income people who now have individual policies might become eligible for an expanded Medicaid program, the state-federal health program for the poor and disabled.
Several of the proposals also require that employers provide coverage, which could mean some people who now have to buy their own insurance would get group coverage at work.
Under the plans, the government would provide subsidies for low- and moderate-income people buying individual policies on newly created insurance “exchanges.” But lawmakers, facing tremendous pressure to lower the cost of the health care legislation, might pare back the subsidies, reducing the number of moderate-income Americans who would be eligible. And some people who receive subsidies might still find them insufficient to buy insurance.
The proposals would also bar insurers from excluding people from coverage or charging more due to health conditions.
Sources:
Employee Benefit Research Institute: Sources of Health Insurance and Characteristics of the
Uninsured: Analysis of the March 2008 Current Population SurveyÌý(.pdf)
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ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/npr-individual-market-explainer/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21707&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>But how does health care in Canada and other countries really stack up when compared with the U.S? Supporters of a health overhaul refer to a 2000 World Health Organization ranking that placed the United States 37th among all countries for health care. (France was number one.) But that report has also been criticized by some analysts for failing to follow a strict, consistent protocol and not adjusting for a wide variety of indicators from the responding countries.
A Canadian Doctor Says Dutch Health System ‘Might Work’ For U.S.
Now a new study examines data from several health systems and highlights the role of health care quality in the midst of the current U.S. debate, which is often focused on improving access.
The , which was conducted by Elizabeth Docteur and Robert Berenson and released in August by the Urban Institute, compared U.S. treatment outcomes and other quality indicators with that of at least 30 developed countries, including Australia, France and the United Kingdom.
Docteur, an independent health policy and research analyst, said she and Berenson wanted to see whether the scientific literature supported the idea that American medicine really is best – a notion often “bandied about in the health reform debate.” They examined health care system research conducted during the past 10 to 15 years and found there was “no hard evidence” that U.S. health care quality stands out across the board. They did find that the U.S. had high scores in some specific treatment areas, such as cancer care. However, it didn’t do as well when compared to other nations at handling preventive care or treatment for acute conditions, including heart disease and hip fractures.
Perhaps one of the study’s most unexpected findings-depending on your political point of view -is that the quality of health care in Canada tends to be higher than in the U.S. The researchers looked at 10 statistically adjusted studies of broad populations and found that five favored care in Canada. The U.S. came out better in two. Three were inconclusive. Docteur points out the universal coverage in Canada helps to ensure that Canadians receive the care they need throughout their lives. “I think the main point is that our study showed quite clearly that it is not the case that the U.S. is dominating Canada in terms of quality of care,” she said.
“The findings are not a surprise to policy wonks,” saidÌýBruce Siegel, a quality expert and professor at The George Washington University’s School of Public Health and Health Services. Siegel-who was not involved in the study but said the authors used “the best information out there for comparison”-thinks their findings have the potential to be a “myth buster.”
Docteur said she hopes that her findings will draw more attention to quality issues, which have been a “bit of a sleeper” in the current debate. The research made it clear that although it’s necessary to find a way to cover more people to improve the country’s health system, “just solving the problem of the uninsured is not going to be enough.” She said she would like to see the debate reframed from a discussion on quality being at risk to a dialogue considering what the best performers are doing.
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<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21200&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>In the context of the current health system overhaul, he said, governors are most concerned with the prospect of a major expansion of Medicaid, which would pose a “tremendous financial liability” to states. Reforms to the state-administered program can only be accomplished “in partnership” with the federal government, which shares the costs of Medicaid with the states, he added.
With that in mind, Douglas said governors need more details about theÌývariousÌýproposals to determine the actual impact they would have on their states. Regarding the overhaul proposal released Wednesday by Senate Finance Committee Chairman Max Baucus, D-Mont., Douglas said the parts of the measure that deal with insurance reforms and exchanges “still need work,” but that overall the bill is “headed down a path that seems workable.”
He also warned that, although reform is “critical for the stretched budgets of state governments,” legislation that fails to respect these fiscal realities will force states to further eat into other vital programs, such as education. “Unlike the federal government,” he said, “states can’t print money. We have to balance our books.” Reform efforts, he added, also need “to respect that no one size fits all at the state level.”
Douglas appeared Thursday at the National Press Club in Washington, D.C., at an event launching a year-long (.pdf) to help governors reduce health care costs and expand coverage. He said he has talked with House leadership and several senators on the Finance Committee’s “Gang of Six” who have been negotiating on a health reform proposal.
During his talk, Douglas said his “greatest concern” is that the Washington health reform discourse is too focused on the current payment structure, which he says is the “wrong end” of the problem. “No matter who pays, healthcare costs are on track to bankrupt the country.”
The focus should be on improvements to the healthcare delivery system. “True reform really needs to get at the cost drivers,” he said.
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<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=21300&ga4=G-J74WWTKFM0" style="width:1px;height:1px;">]]>For the tens of thousands of individual insurance agents nationwide, the idea of a health system overhaulÌýhits close to home – and work.ÌýThe changes currently under consideration could radically alter how they do business. For example, there could beÌýrequirements that all individuals have coverage, that employers provide insurance for their workers andÌýthatÌýinsurers cover anyone –Ìýregardless of preexisting conditions. In addition, there couldÌýbe a government-run public plan that might compete with insurance companies.Ìý
KHN reporter Jaclyn Schiff spoke to two agentsÌýto find out how they are bracing themselves for the post-reform environment. We edited their remarks.

Sheri Hokin, of Hokin Sternberg Insurance in Northbrook, Ill., has worked in the insurance industry for 27 years and is a former chapter president of the National Association of Health Underwriters. She remembers earlier reform attempts and she’s worriedÌýher fellow agents are notÌýengaged enough in the proceedings.
Q: Do you notice any similarities between what brokers were saying in 1994 and now?
A: I don’t see as much nervousness now. I don’t see my fellow brokers getting involved enough. Financially, the United States was in a different place in 1994, so when the government talked about doing this major universal healthcare,Ìýit was a possibility. Now, it’s going to cost trillions of dollars. So I think (agents)Ìýare looking at it and thinking it’s not going to happen. They think it will be watered down.
Q: Are you concerned that health reform will change the way you do business?
A: It will. But in some good ways. I think that an individual mandate is an excellent thing and that there will be guaranteed issue for anyone who wants to get in the system. I do a lot of individual policies and it is frustrating for a number of people who have minor illnesses or expenses and can’t get covered. That’s ridiculous. Guaranteed issue will allow me to spend more time finding the right products and not to have to go through underwriting and this whole program of people answering health questions and then getting turned down for insurance.
In terms of an employer mandate — saying that if you don’t provide coverage you have to pay for it, I think that’s unfair. If companies and manufacturers can’t compete internationally now, they’re certainly not going to be able to compete when they have even more expenses for healthcare.
Q: Do you think the public plan will put insurance companies out of business?
A: Absolutely. It’s unfair. The consumer is going to say, oh, it’s less expensive for me to go on this plan. They don’t realize in the long run, tax-wise, they might be paying more because of it.
Q: Have you seen any brokers doing anything to prepare for the chance that they might not be as much need for health insurance?
A: There does seem to be a trend in the insurance industry. This has been [the case] for several years now, selling a lot of ancillary products, dental, life and vision … because health insurance is getting frustratingly difficult in terms of underwriting and approval.Ìý
Q: Is there a way to bring about reform to the health system without harming the insurance industry?
A: Oh I think so. Do I have all the answers? No. But I think there is a way of tweaking it If you want more people to afford [insurance], then provide them with subsidies. Give them tax breaks if they buy health insurance. Do other things to encourage them to buy health insurance. There’s an awful lot of people that choose not to buy health insurance because they don’t want to spend the money.

Hank Stern, an insurance agent in Dayton, Ohio,Ìýis also a , a continuing insurance education instructor and a self-described contrarian. He says that people who are focusing on the 1994 reform experience “are missing the boat completely.” The key, in his view, is being able to adapt.
Q: There appears to have been some fear among health insurance brokers back in 1994. Is there the same level of fear now?
A: The gloom and doomers will probably suffer from a self-fulfilling prophecy. But some of us say [that] in every adversity there is challenge, but there is also opportunity. One has only to look across the pond.ÌýThe British have a national health system. Free health care for everybody. So tell me again why they have private health insurance? You can buy health insurance in Britain. It’s a fairly big business. In Canada, they have nationalized health care. [But they are] starting to see health insurance pop up. Why is that? Because those systems are not self-sustaining. Insurance is a risk management tool. It’s a very good one.
Q: Are you doing anything to prepare for the way the industry might change?
A: Nope. First off nothing’s going to happen [with health reform]. And evenÌýif something did, it won’t happen overnight. So things get wound down. New products and new strategies come out. Right now, people still get sick. Today somebody will have a heart attack, somebody else will break their arm. You deal with it day by day and you say: if and or when a change comes then I’ll adapt to it. Most agents don’t have a sense of history and they don’t look and say, “OK, we won’t sell major medical. We’ll sell the supplements to the national health plan or whatever.” People need long-term care insurance, disability insurance, critical illness insurance and life insurance.
Q: What would you like to see out of health reform?
A: The reality is none of [the problems] happened overnight. All of this happened over a long period of time. It seems to me that any solution, to be a viable, sustainable, long-term solution, should also happen over a period of time.
Part of the reason health insurance costs too much is because there are a lot of mandated benefits that states [require]. And, frankly, a lot of people don’t understand what insurance should be for. Nobody expects their auto insurance to pay for oil changes and wiper blades. But we expect our health insurance to pay for flu shots and sprained ankles. Have the insurance so that if you have a heart attack, you don’t lose your house, or you get MS, you don’t mortgage your children
Q: How might the public plan and the exchange alter the industry?
A: They’re both non-starters because they are both government-run health care. [With the exchange],Ìýyou put the evaluation and cost functions into government control. The public plan because it becomes the government option, which can control its costs very simply by saying: we’re not paying any more and you don’t have any choice. [An insurance company] can’t compete against the government. And I don’t care how many insurance companies there are all together, they can’t compete against the government.
ºÚÁϳԹÏÍø News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about .This <a target="_blank" href="/insurance/insurance-agents-talk-back/">article</a> first appeared on <a target="_blank" href="">KFF Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150" style="width:1em;height:1em;margin-left:10px;">
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