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Care market-based health reform options should know about

Review of government is completely monopolized the debate on care health.

Here are seven examples of solutions for health care based on the market you should know.

Health reform government that draws thousands attention of the media. In just one month there were only about 13,000 new stories containing the word "government" and "reform of health. "phrase, however, fewer than 300 newsletters in the past month for both the terms" market "and" health care reform. "

This is a list of 43 articles on the care the government health history for each subject based on the government health care based market "reform" is completely monopolized the debate.

Given the momentum in Congress for some kind of government health examination, media attention is understandable. But while the different versions of the congressional debates and discusses various options Obamacare public, some based on market solutions to health care has gone largely unnoticed, although successful in reducing medical costs and improving access and quality service.

Here are seven examples of market-based solutions to health:

1. Retail clinic. There are currently 1,200 sites Retail health throughout the country that offer basic health care quality at a lower cost than hospital emergency rooms or doctors. Offer a better service faster, more hours and more convenient than the traditional medical consultation.

Suppliers include Target Clinics (Minnesota and Maryland) Clinics time select CVS pharmacies in 24 states, Wal-Mart clinics in 11 states, Taking care clinics that select Walgreens in 32 metropolitan areas small clinics in select Publix and Kroger grocery stores in 11 states, Highway Medical Clinic and pilots serving in the laboratories of the truck stops in three states. Mainly composed of nurses, clinical detail to provide basic services such as sports medical examinations for as little as $ 29, and were received by insurers, employers and consumers for its convenience and accessibility, and as an effective way to serve the uninsured.

2. Retail clinical associations in the hospital. To provide a full range of medical services, vaccines against flu to major surgery, some retail clinics such as Minute Clinics have recently partnered with leading hospitals as Allina in Minnesota hospitals and the Cleveland Clinic in Ohio (see report news here.) These partnerships will enable recommendations to patients in both directions, such as retail clinics to refer to some of their patients to hospitals hospitals for serious illnesses, and see some of their patients at retail clinics for services such as child vaccination against influenza. exchange of health records electronic smooth transition for patients in both directions.

3. Clinics in health care. According to a report from the National Public Radio "More than 1,000 large companies in the U.S. have on-site clinics for health care. They serve 5 percent of the labor force … but that number could reach 15 percent by 2015. "Studies show that companies can reduce costs of health care by nearly 30 percent, according to the report later.

For example, in addition to operating Take Care Clinics in pharmacies across the country, Walgreens Take Care Health Solutions has employer who provides the place clinical work for primary care, pharmacies in the field, dental, vision and programs of exercise and fitness.

4. 4,000,000 affordable generic medicines. In 2008, Wal-Mart began offering more than 1,000 prescription medicines with prescriptions for $ 4 or less, which was later forced other retailers such as Target, Walgreens and Kroger to offer similar discounts. Wal-Mart says its customers have saved more than $ 1 billion from the $ 4 drug program was introduced, without taking into account the savings of millions of dollars to thousands of customers who buy drugs for $ 4 at Wal-Mart's competitors.

In September, Wal-Mart has launched a new program of 10 million prescriptions, including a 90-day supply and mail delivery free anywhere in the country, This will save American consumers more money, and do not even live near a Wal-Mart. Thanks to Wal-Mart and its competitors, the costs of prescription drug have fallen dramatically in recent years, and it is unlikely that any reform of the government against these types of market-based economies.

5. Prepaid care. For about the same monthly cost of a cell phone ($ 480 annual fee for singles, $ 580 for couples and $ 680 for families) The club does not offer health insurance plans at affordable prices that cover pre-paid basic medical services (12 visits) for a member of a medical certificate, no deductibles, or the additional premiums and no co-payments. Clients and doctors are in direct doctor-patient relationship without using a third party, and although the conditions pre-existing covered by insurance n Club. Although not currently available in all markets, coverage is spreading across the country.

6. medicine Concierge. This provides primary care family physicians for an annual fee of $ 1.000 to $ 1.800, and medical reports directly to the patient, not a company insurance or Medicare as their primary client. Concierge practices generally include 24 / 7 access to the mobile phone a personal physician, check out the same day without waiting for the coordination of personal care with specialists, monitoring personnel during their detention in a hospital, and even home visits. If a physician typically has more than 2,000 patients, a concierge physician generally limits his practice between 300 and 600 patients. Examples of health care providers MDVIP today include concierge and concierge medicine.

7. health insurance high deductible plans with savings accounts owned and managed individual health (HSA). This approach focuses on the consumer might be called "MackeyCare" after Whole Foods CEO John Mackey, who described the plan as August 11, 2009, an editorial in the Wall Street Journal, "Alternatives to ObamaCare Whole foods." MackeyCare detail work like this:

Whole Foods Market pays 100 percent of premiums for all team members working 30 hours or more per week (about 89 percent of all team members) for our plan health insurance to a high deductible. We also provide up to $ 1,800 per year in additional health care through deposits into personal accounts for the welfare of employees spend what they want in their own health and wellbeing.

Money not spent a year traveling to another and grows over time. Our members as team spend their own dollars for health care until the deductible is covered (about $ 2,500) and insurance plan comes into play creates incentives to spend the first $ 2,500 of closer. Our plan costs are much lower than typical illness insurance, while providing a high degree of satisfaction workers.

and number of U.S. workers covered by Social Security and high-deductible health plans is now about eight million dollars and should continue to grow unless some form of Obamacare happening with the public option. According to Investor's Business Daily, Health care reform government "has no place for economic plans as the basic insurance coverage just real wholesale costs and insureds need to pay out of pocket for routine care and drugs, but rather favorable "to plans that cover almost anything with little or no co-payment. "

So far as Congress debates how to control the rising costs of health care and expanding access to health care through the intervention government and public choice, the private market and has initiated numerous reforms of the health care of their own affordable access to more than 1,000 clinics in pharmacies, truck stops, and workplaces across the country, drugs to lower the cost of prescriptions for $ 4 or less anywhere in the country, the introduction of prepaid plans and innovative concierge physicians direct patient-doctor re, covering eight million employees with HSA.

When trying to reduce costs and improve quality and service, public enterprises have a bad experience, and competitive markets are a proven track record, excellent. If we make health care affordable and accessible, we must encourage greater competition and more market-oriented solutions such as the examples above, and less intervention government, not more. Unfortunately, politicians in Washington than the reverse.

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