This article from The Atlantic, presented to me by my fellow-lefty acquaintance, ToledoLefty, discusses the merits of Obama’s inclusion of high-deductible health plans (HDHPs) in an effort to reach (further) out to the Right on health care reform, and, specifically asks whether health savings accounts (HSAs) are effective.
In the interest of full-disclosure, I suffer from a chronic health condition that has benefitted from years of high-cost treatment to abate the symptoms. I am not an ideal candidate to take advantage of a HDHP or an HSA. Why, then, did I do it?
I did it because I recognize that much of what I suffer from, I control. I chose to sign up for an HDHP precisely because it gives me a chance to improve my life by hitting ME in the pocketbook when I don’t use maximum effort to control that which ails me.
Some people are not so lucky as me. Some people cannot just control their conditions by diet and exercise, followed by weight loss and health improvement, as I can. For these folks, HDHP and HSA programs are purely Fata Morgana… mirages… worthless. Window dressing.
But, as Derek Thompson suggests in his article, adding this arrow to his quiver is not a bad idea. Anything that works to expand peoples’ options while expanding catastrophic coverage is a good idea.
This said, I’m still for universal coverage under a single-payer system. Why? Because we all contribute to the general health of our economy. As such, we should all reap the benefits of that economy.
