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Disease Prevention - the Answer to Rising Health Insurance Costs

Please feel free to use this article as longcompanies where the program has been
as  credit  is  given  to  the  resource box.instituted savings have been substantial. The
drawback is that it tends to draw in young
Keywords: Disease Prevention, Healthhealthy people, and does little to help the
Insurance, Health Savings Accounts, Universalaging, sick or uncovered portion of the
Coverage,  Health Care, New Middle Aged Grouppopulation.
©  Copyright  Arthur  Levine  2007The Democrats by and large favor some form of
Universal Health Care funded by the federal
Words:  843government. The good part is that everyone
would be covered. The drawback is that there
There is now a substantial portion of theis no inducement by individuals to practice
population in the United States, which isDisease Prevention because the government is
unhappy with their health insurance coveragepicking up the tab and this might result in a
or lack thereof. There are approximately 46new massive federally funded program that
million  uninsured  in  the  US.over time cannot be adequately funded by the
government as it grows in light of demands
Members of the New Middle Aged Group arefrom our other entitlement problems such as,
particularly interested in their healthMedicare, Medicaid and Prescription Drug
insurance options because many of them loseInsurance.
health care benefits upon retirement.
Medicare, which is available at age 65, doesToday we find ourselves at the crossroads of
not cover everything, and individual orescalating Health Care Costs and Health Care
family health care insurance policies arefunding requirements that have brought us to
very expensive and for the most part payablethe  point  of  a  collision.
with  pre  tax  dollars.
The solution may lie in combining some form
Health care costs in the US keep rising, andof both of these programs utilizing the
in most years health insurance premiums doplatform of Health Savings Accounts, which
too  often  at  double-digit  rates.  .would be federally funded to the extent
needed to subsidize them so that everyone
Disease Prevention expenses as a portion ofcould be covered including those with pre
Gross Domestic Product (GDC) accounts forexisting conditions either through a series
some 16% of the budget with only 4% spent onof federal corporate or individual tax
Disease Prevention while 50% of Diseases arecredits, or with direct contributions in the
preventable.individual's name to fund the program, but it
is not just about the cost of health care.
According to the Congressional Budget OfficeIt's  about  finding  a  solution.
by the year 2020 health care spending which,
is already more than $2 trillion dollars (16%The solution to our health care needs may
of  GDP),  could  easily  exceed  25% of GDP.well lie in practicing Disease Prevention
nationally.
Americans 65 and older represent about an
eighth of the population and one third ofThe costs of funding this combined approach
health care spending. By 2030 older Americansmight be substantially less than under a
could account for nearly half of health carestraight Universal Health Care plan because
spending according to a study by the Centerspeople would have the incentive to practice
for  Medicare  Services.Disease Prevention once they understand that
it is their money that they are spending on
Government statistics indicate that healththeir health care, which can be rolled over
care spending by Americans between 1970 andfrom year to year similar to an IRA, and
2005 has increased on average 9.8% per yearbecause catastrophe insurance is generally
for private health insurance and 8.9% forless expensive then the current all inclusive
Medicare beneficiaries according to the Newsmall deductible type insurance program being
York  Times.offered.
The Republicans by and large favor a privateTo this end, a Disease Prevention Program
insurance plan called Health Savings Accountsshould be made available to everyone that
(HSA) to solve the Health Care problem. Anwill help them maintain a better state of
overview of this program is that it allowshealth, and enable them to minimize their
businesses or individuals to contribute ahealth care expenses in keeping with good
certain amount of money tax free to a HSAmedical practice and the utilization of best
(Health Savings Account) and take catastrophecare  options.
or major medical insurance for the balance.
The good part is that it encouragesWe have to show people how to practice
individuals to become Disease PreventionDisease Prevention at the same time that we
conscious because most of their medicalseek to cover them with Health Insurance if
expenses are coming out of their HSA, fromwe want to produce a program, which in the
which the balance of funds can re rolled overlong run can be self-funding through medical
like savings from year to year. In majorcost savings.



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